vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WLCC
State: WA

Complaint narrative:
I applied for a loan via XXXX XXXX, and was approved on XX/XX/2020 in the amount of {$1400.00}. I the funds were directly deposited to my checking account. I had all intentions of paying this debt. I had an issue with my account and the payment was declined. I tried multiple times to log into my account to set up and discuss other arrangements. On XX/XX/2020 I sent an email to XXXX stating that I still had not received a reply to discuss my outstanding balance. I finally received a reply stating that the defaulted loan had been sent to Apex Servicing an outside collection on XX/XX/2020. 

My last paycheck had a garnishment of {$340.00}. I was concerned because I have not received any documentation about this garnishment in the amount of {$2000.00}. Per my payroll department the " Writ of Garnishment '' was received on XX/XX/XXXX via Apex Servicing. I contacted Apex Servicing XX/XX/2020, they said because I signed and accepted the loan, once defaulted Apex had legal authority to submit a " Wage Assignment '' to my employer, which they have to abide by. I would have to pay the balance in full to stop the " Wage Assignment ''. I told the operator I have not received anything in writing via mail from " XXXX XXXX '' or " Apex '' that this was going to take place at all. 

I was willing to set up other arrangements. The only way I even found out was because my pay had a large deduction, and I started investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX CA billed me for {$7800.00} dollars was send to collections. On XX/XX/XXXX I was incarcerated until XX/XX/XXXX I reached out to the company and they said because my roommate XXXX XXXX XXXX broke the lease agreement early that we our both liable for payments until they rented the unit again since the apartment lease agreement was in both of our names. they never notified me of the payments and just sent it to collections, plus I had a security deposit of {$1500.00} so I don't even get how I own them anything at all and now its in collections and the balance has risen {$10000.00} I now can not rent a apartment or get a car because of this mark on my credit report and the company will not help me with this unfair situation. I disputed this claim via certified letter on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Account was frozen XX/XX/20 for " further investigation. '' Capital One said they were working alongside the SBA to investigate instances of fraud, and were terminating our business relationship. ( Multiple agents with the SBA have informed me this is not true and my account is in good standing. ) I attempted to verify the validity of myself and my EIDL funding to Capital One XXXX  many times, but was simply told my account was " still under review. '' XX/XX/20, {$2400.00} was withdrawn from my account, with no information provided as to where it had gone. Account was closed on XX/XX/20 and a check for the remaining balance of {$3.00} was mailed to me. 

Per the initial email provided by Capital One XXXX, " Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account, '' however, Capital One XXXX  never contacted me further and provided no option to transfer to an external checking account. ( Note : " your '' linked external checking account. ) I filed a complaint with CFPB regarding this mess prior to the funds being withdrawn, but have been unable to reach the person who responded. " XXXX '' replied with a vague letter and phone number ( XXXX, ext. XXXX ) that has directed me to a voicemail on all six calls. I have left six messages over the past two weeks and have yet to receive a callback.

I have spoken with four different agents with the SBA since this began, and all four have assured me that the SBA is
not involved in this matter in any way, and just today confirmed that my EIDL balance remains at the original amount of {$18000.00}. If the {$2400.00} had been returned to the SBA, they would have been aware of this credit to my account and my balance would now be {$16000.00}. ( All SBA agents have said returning money to such an account via ACH is not even possible ).

I would like to be provided with evidence of this supposed transfer from Capital One XXXX, as I am beginning to feel I have literally been robbed. I do not care about continuing a relationship with XXXX ; I just want to know what happened to my money. 

My next steps will be filing a complaint with the SEC, seeking legal counsel, and pleading my case to every Capital One persona I can find on social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Called from XXXX. On XXXX I was told by someone I was being sued and someone was coming to serve me with papers. I asked what this was about and they said they can not see anything and I would have to call this # to find out more. The # was XXXX. I called and they said they were called national. The person I spoke to was a XXXX XXXX. I tried to set up payment with the company but after not receiving any kind of information by email confirming anything I did not pay the company. They said legal action will be taken against me. The rep I spoke to was named XXXX XXXX. The rep refused to tell me the whole name of the company and only said they are called national. I asked if they were a debt collector and they stated no they are a proceedings office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear DEPT OF TREASURY, Transunion & XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND TRANSUNION including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/2019, I called COMENITY BANK to put the card on hold due to temporary financial difficulties. I had to get an extension agreement. This letter did not arrive. Now my report shows a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Plus Inc
State: KY

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, CREDIT PLUS, on XXXX XXXX, XXXX, XXXX-XXXX XXXX and on XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizati on Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Law Firm of Karl Frankovitch
State: CT

Complaint narrative:
XX/XX/2020 - Contacted via phone by XXXX, ( address unknown ) AZ ( XXXX ) in regards to consolidation and financial coaching. Was to receive a credit card with 0 % finance charge to apply. 

XX/XX/2020 - The Law Firm of Karl Frankovitch, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX ) : received charge of {$1900.00} to my credit card. 
No documentation of phone XXXX  conversation was ever received via e-mail, mail, contract or credit card. 
Services and credit card were never received. 
Contacted The Law Firm of Karl Frankovitch and this person told me to just pay the {$1900.00} or legal action and suits will take place costing me more than the due fee, so just pay it. 
{$1900.00} paid in full with no services rendered or credit card issued. 

XX/XX/2020 - Contacted The Law Firm of Karl Frankovitch for XXXX 's information. I was told that XXXX is no longer a client of theirs. They have no information on the company except the main Corp is out of AZ. Only a phone number was given ; XXXX. Called and sounded automated/fake ; left voice mail anyway. No call back yet. Can not find anything on web or XXXX  site for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OH

Complaint narrative:
Over charge of interest, failure to keep contract. I have contacted Flagstar Bank at least 4 times over this, they either hang up on me or never call me back. I've been a customer of them since XXXX am almost 6 months ahead on my house payment. I have been ahead on my house payment since day one with Flagstar bank. They have failed to calculate daily interest and charge me according to the payment schedule. 
Example : Interest paid in 2020 = {$6300.00} Loan balance XX/XX/2020 = {$100000.00} Loan balance XX/XX/2020 = {$110000.00} Fixed interest rate = 5.375 % APR = 5.5706 % as stated in original contract Flagstar bank states my APR is 5.793 % ( FALSE ) Average loan balance for 2020 = {$100000.00} Annual Interest divided by loan balance =APR $ XXXX {$100000.00} = 5.846 % APR a very close approximation. 
Please help me to stop this crime!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AR

Complaint narrative:
On XXXX Chime sent an email requesting an explanation for a direct deposit amount totaling XXXX. I replied and explained the deposit was from my 401k. I emailed the 401k distribution statement for verification. Later, my account was suspended. Chime stated they also need a copy of my paycheck stub from XXXX XXXX along with ID, SSN card, and a picture of myself holding my ID. I complied with hopes to resolve the issue. More than a week later Chime reaches back out and asks for a statement of my unemployment benefits, which I sent. 

Nearly a month after the initial email, I have no resolution date and I have sent every document along with an explanation. I lost my job due to the pandemic and XXXX XXXX has been paying me severance pay but I still qualify for unemployment. My problem is that Chime hasn't given me a date of the resolution or responded to my email request. I have over XXXX in that account that I can not access to feed my family or pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear DEPT OF TREASURY, XXXX & Equifax : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
I have been dealing with BSI Financial 's Loss Drafts Services because my house flooded and my insurance requires that my loss check be endorsed by my mortgage company. They have had the check for two months, and have made it virtually impossible to get paid. When I finally met all of their requirements and jumped through every single hoop ( which was difficult because every person I talked to told me something different ), they told me they would send me a check ... and then they didn't. It seems like they are actually trying to prevent me from being paid. I'm a fairly reasonable person and a lawyer, but I feel like if they are doing this to me they must be treating others the same way, and it's frankly unacceptable that people with damaged homes need to spend hours and hours begging their mortgage company to give them their insurance proceeds. Right now they are giving me the run around on a check that is over {$40000.00} because they keep doing it wrong ( writing it for the wrong amount, mailing it to the wrong address, etc. ), none of which is my fault. I am at my wit 's end and honestly I think they may want me to default on my mortgage. I would never work with BSI if I was choosing a mortgage servicer. Please be careful if you are working with them and do not let them get away with not paying you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I was looking for a refinance for my primary home and started the application process with Axosbank on XX/XX/2020. I started filling up the online application and went IN and OUT couple of times and still not decided or finalized that either I will go with them or not, so my application was never submitted or finalized. On XX/XX/2020, at XXXX I received an email from axosbank stating " You're almost there. You started your mortgage refinance application, and it will only take a few minutes to wrap it up. Please take a moment to finish, and well move you forward in the process. '' Which also confirmed me that I have not submitted and finalized my application, but later that day in the afternoon I received an alert from my credit monitoring that a lender pulled a report. I looked and found out that Axosbank did it, I emailed and later spoke with my loan officer at the bank who said he is not aware of what happened and he will find out from his manager and get back to me. 
Later that evening my loan officer named " XXXX XXXX '' called me and confirmed me that the I logged in to their system on XX/XX/2020 and never logged in after that and he also told me that since I have started the application which in other word agreeing their terms and condition to pull my credit, they are entitled to do and this is what his manager did. His manager pulled my credit on XX/XX/2020 even though my application was still in draft and never actually submitted. 
my concern is I started the application doesn't give them my consent to pull my credit report until I finish the application i.e. hit the " Submit Application ''. 
Loan officer " XXXX XXXX '' stated that according to his manager this is incorrect. if client started application, regardless of he finished or not, they are entitled to pull credit. 
This is wrong practice and illegal. by visiting their website and click on apply now button and just putting my social and other information doesn't give them the permission to pull my credit. They pulled my credit report without my consent and without my permission. 

There is no where on their application process its stated that regardless of you submit the application or not they will pull the credit. This is illegal and misleading consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation