vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
To whom it may concern, My name is XXXX XXXX. XXXX # XXXX XXXX Midland Credit Management Inc XXXX MCM is suing me for a credit card debit. I was served on XX/XX/XXXX and was summon to show up in court on XX/XX/XXXX. Then I received a letter stating that the court date has been moved to XX/XX/XXXX. 

I have a dispute and have requested information from a creditor Midland Credit Management Inc. I have not received any information from this company and I requested this information on XX/XX/XXXX. We have a court date of XX/XX/XXXX and I still have not received any information. I have a post office receipt showing that the company received my letter. 

The following information is being requested from MCM. 
**a signed copy of the contract/agreement with my signature stating that I have an agreement with Midland Credit Management XXXX copy of all documentation/paperwork for the XXXX XXXX account showing how the charge amount totals to {$6200.00}. 
** signed documentation showing that I give XXXX XXXX permission to sell my personal information XXXX a copy of the bill of sale and the purchase price that the debt collector paid for the debit and the date the debit was purchased. 

My contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on the Equifax website. It has been over 60 days since submitting my first letter to Equifax and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Equifax has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Equifax to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I leased a BMW car from BMW Financial services in XX/XX/2019. During the Corona Virus lock down, they offered me two forbearance on my lease which I accepted. I applied for at loan at my bank in XXXX of this year and they denied me and made me aware that BMW Financial reported that I had three missed payments and late payments,. I reached out to them and they told me they did not report anything to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: AZ

Complaint narrative:
On the XXXX of XX/XX/2021, I applied to NewDay USA to refinance my home and take advantage of the equity I have available to me. However, I found out today, XXXX XX/XX/2021, that the underwriters were not willing to approve my loan application. Im currently using XXXX XXXX as my mortgage lender, and have been perfectly happy, but after seeing ads for NewDay online and in mailings, I decided to pursue things with them. I gave XXXX XXXX XXXX my account executive ) all of the information to proceed - paystubs, W2s, VA eligibility documentation - the whole kit and kaboodle. The plan was to refinance for 30 years, and pay off a significant amount of credit card debt. But because I took advantage of COVID relief programs legally available to me, and subsequently doing a loan modification, NewDay declined to have me as a customer. 

What is morally and utterly reprehensible is that someone who ( along with millions of others ) didnt know what COVID was going to do for their livelihoods and careers/jobs, partook in the generosity of their lender to take part in a forbearance option. I was in forbearance for 6 months, and at the end, took part in a trial modification for three months, which led to my current loan. But because NewDay didnt like the fact I did all of those things - all of which any smart person would do in times of uncertainty - they opted not to continue with the processing of the loan. 

NewDay and its underwriters need to change their practices to not look negatively at someone making the right decision for them when it comes to their home. Ive never missed a payment, and have always treated XXXX XXXX XXXX XXXX XXXX  right, but NewDay didnt view it that way.

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 2021-05-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2021-05-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: FL

Complaint narrative:
I can not withdraw money or pay my rent from my Way to go card from Florida reemployment. It keeps declining me. It was working fine in XXXX, I went to pay my rent for XXXX, and it declined ; I went to an atm again declined. So I ordered a new card and paid expedited shipping ; thinking this one was damaged, I activated it, and it again declined me. There is absolutely no way to contact anyone. All they have is an automatic response which doesn't provide any help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX # XXXX is reporting late payments with the 3 CRA XXXX 
I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CADENCE BANCORPORATION
State: AL

Complaint narrative:
I enlisted the service of Cadence bank starting in XX/XX/2020 in order to make a transfer of XXXX USD in order to finish paying for a property purchase in XXXX. After four failed transfer attempts ( this string of disasters has been documented with the XXXX XXXX  over the course of approximately six months and almost losing the property due to Cadences inability to fulfill any of the four wire transfers to the XXXX XXXX bank account, I was forced to threaten legal action property purchase be lost. On the fifth attempt, the transfer was successful, which marks the beginning of the complaint that I am now submitting. 
Upon reviewing my Cadence account from which the XXXX XXXX was to be taken, I noticed two things which constitute the bulk of this complaint. Firstly, I had been charged wire transfer fees for each transfer attempt. I do not accept paying for four transfer fees that were never completed. The contact at the bank, XXXX, indicated that I must shoulder these fees due to the fact that despite the outcome, wire work had been performed and therefore I was responsible for these fees. I do not agree ; I did not receive the intended outcome for the service I ostensibly paid for, therefore I should not have to shoulder those fees ( the four failed transfer fees total XXXX USD ). I am obviously willing to pay for the one successful transfer, but not for five. 
Secondly, the amount which was taken out of my account totaled XXXX USD. I only authorised a transfer of XXXX. Upon questioning XXXX, she could not provide me with an answer ( the common response from Cadence is I am asking department X, Y or Z about it but subsequently do not receive any acceptable answer to my questions ). 
Essentially, after four failed international transfer attempts, Cadence has additionally 1 ) transferred more money that I authorised and 2 ) charged me for services that were not provided. 
I have sent an email to XXXX on XX/XX/XXXX explaining my position on these two points, but have not yet received a response from her. After 6+ months of dealing with XXXX XXXX from Cadence, I am understandably reluctant to wait any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX a company called XXXX deducted 6 fraudulent transactions from my account ; 3 charges of {$120.00} and 3 charges of {$490.00} totaling {$1800.00}, for a company called XXXX. XXXX is a company that you can use when shopping online. They partner with online retail stores and allow you to break up your payments at check out, instead of paying one lump sum. I've used XXXX in the past when making purchases through XXXX XXXX XXXX. They have your debit card on file to deduct the weekly payments from your account. When I found the charges on my account I immediately contacted XXXX and disputed them. Within a few days they refunded the 3 charges of {$120.00}, but I've been unsuccessful in getting the other 3 charges back. I have reached out to them numerous times, requesting calls from supervisors, but have failed to receive a call back. I've been told by the reps through the chat option that the charges have been marked as non authorized. One rep then advised me they did not see that I was charged the 3 charges of {$490.00}. I've sent screenshots to them for proof, but still no refund. I filed disputes with my bank ( PNC Bank ), on XX/XX/XXXX and around XX/XX/XXXX, and they denied the disputes, because I have done previous business with XXXX. Today I reached out to XXXX via email and was advised that I need to reach out to my bank and file a dispute. I have also filed a dispute with the XXXX  for XXXX, and they ( XXXX XXXX replied stating that the dispute is still open and they can not refund the money until the merchant XXXX XXXX XXXX has refunded them. So they will not refund me until XXXX had refunded them. No one is taking accountability for this. I have never heard of XXXX, prior to this, nor have I ever done any sort of business with them. I am at a total loss and feel robbed of {$1500.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  shows inquiries on my credit report that I dont recognize from XXXX XXXX dates are as follows XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and one inquiry from XXXX XXXX XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: UT

Complaint narrative:
I had signed up with a debt consolidation company back in 2018. Paid there fines and they had used and opened these accounts fraudulently. I signed over POA to the accounts and the company XXXX XXXX XXXX XXXX They are no longer in business and one of the owners of the company is in XXXX I am trying to get XXXX XXXX and Discover off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I bought a car from Santander consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against Santander consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with Santander consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to Santander consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to Santander consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on credit karma they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was granted a PPP loan as a XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX, and funds were disbursed on XX/XX/2021 did not take out the funds based on the facts my bills for XXXX XXXX XXXX  of XXXX XXXX XXXX was not yet due, and as of XX/XX/2021 the hardship that Capital one has caused my business  is unmerited and I am filing a complaint for discrimination  against my race and business entity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06 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: CarMax, Inc.
State: CA

Complaint narrative:
erroneous and inconsistent information and payment history reporting across credit bureaus damaging my credit report. Multiple disputes and attempts to remove erroneous accounts and information have been made in the past year with no removal of unlawful Car accounts that were settled to delete. Lawsuits are the only next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Problem with Credit Bureaus Removing fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2020, I opened an XXXX store and a PayPal account to begin selling consumer products online. My store quickly gained popularity and I began making an abundance of sales. PayPal informed me that they had to limit my account and hold my funds for 180 days since the products I was selling were at risk products. All items were shipped with tracking numbers and were successfully delivered ( as per PayPal policies request ). 
On XX/XX/2020, PayPal withdrew my money ( which was {$3000.00} to be exact ). They closed my account and I had no way of contacting them due to COVID. The only feature they had available was the customer service chat which I could not use because according to the automated message, my account was limited. I have tried contacting them various times after that but have continuously been told that theres nothing they could do about it. They have my kept money ( even after having proof of the items being delivered ), and I need to recuperate as I did not authorize them to do so. It has been way past the 180 days and I have yet to see, hear, or be able to get any information on what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX, I enrolled in a Debt Consolidation program with XXXX XXXX XXXX. There were 4 credit cards rolled into the program. Capital One & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with XXXX debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my Capital One Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of CAPITAL CREDIT CARDS When I tried contacting Capital One to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by CAPITAL ONE, nor XXXX XXXX XXXX of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, CAPITAL ONE told me to defer to XXXX. 

The same day, I contacted XXXX XXXX XXXX to try to clarify the situation. XXXX XXXX confirmed that the payments were being made to CAPITAL ONE on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
I have tried to dispute this debt. I have stated that this account is not mine, I never lived at the address where this account was set up. I've never had an account with 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