vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE : 1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I've disputed this account several times with the collection agency that this is not my account. I filed a FTC report as well and they're still trying to collect this debt. This collection is damaging my credit report and causing me several thousands of dollars in higher interest rates as well as I lost the ability to purchase an investment property. 

I've spoken with this agency several times with no resolution. They also can't provide any information after making several requests to verify and validate the debt. We're seeking litigation as well to resolve this matter.

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 2021-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
Lakeview Loan Servicing company has been the worst experience of my life. Their website or mobile app rarely works. They advertise to use the online option but does not allow you to make payments. The biggest complaint is that my property taxes were due on XX/XX/2021 and it is not XX/XX/2021 and they still have not been paid and no one can tell me why. The managers and employees appear to be lost as well. Starting feel like this company is one of these companies that will close down, take the money and run. I know that is not how loan servicing works especially by it being a FHA loan. But that is how I feel. This company is terrible and I was not surprised to find out they have a rating of XXXX with the XXXX. I am not sure why the government uses them.

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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XX/XX/XXXX CRA reported a late payment on my consumer report past due balance 0f {$38.00} dollars and XX/XX/XXXX CRA reported a late payment on my consumer report past due balance of {$60.00} They are in violation of the FCRA 15 USC 1681b ( 2 ) I never gave a written consent to furnish these on my consumer report I tried resolving with the CRA not the results I was looking for

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 non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am a victim of identity theft, my information is being used fraudulently since the XXXX Hack in XXXX. This account with this company showed up XX/XX/XXXX on my credit report however the credit reporting agencies are reporting that this collections account was opened on XX/XX/XXXX. I have sent the company multiple letters asking for an verification of debt bearing my signature however I have not received a response. I do not have an account with XXXX XXXX nor have I had one in the past. I have attempted to contact the company and additionally I have been working with law enforcement to get this straightened out and corrected. I was given a police report number XXXX Please assist with getting this rectified this is not my debt I am requesting that Portfolio Recovery Associates immediately remove this collections account from all credit reporting agencies ( XXXX, XXXX, XXXX ) I want them to immediately cease and desist all written and telecommunications attempts to collect this debt. Portfolio Recovery Associates states that I owe them this debt of XXXX. I have repeatedly asked them to provide validation/verification of this debt BEARING MY SIGNATURE. As required by the FDCPA Section 807 ( 8 ). I have never done any business with them, signed a contract nor do I owe them money. XXXX, XXXX and XXXX have stated that account information disputed by customer, meets FCRA requirements. They have not marked this account as disputed which is also a violation of the FDCPA with a sentence of customer has disputed validity of this item. Which has been over 30 days by law they have to add the dispute notice within 30 days. The credit reporting agencies included but not limited to XXXX, XXXX, XXXX are in violation of the law and must remove Portfolio Recovery Associates from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I initiated a Transfer of Assets from my CasApp account to my XXXX account. The transfer consisted of XXXX shares of XXXX stock. As of XX/XX/XXXX, XXXX had submitted my transfer request to CashApp, and my XXXX account showed a completion date of XX/XX/XXXX. I found this odd as both websites stated that transfers generally take 3-5 business days. I contacted XXXX twice via email chat in the span between XXXX to check on the status. Both times I was assured that everything was fine with my transfer and they were just waiting on CashApp to respond. The shares were not transferred as of XXXX, so I called XXXX to check. Again, I was reassured that everything with my transfer was fine on their end, they were simply waiting on CashApp, who had yet to respond to the request by this time.

I have attempted to contact CashApp several times during this time span as well. I sent emails on XX/XX/XXXX, XXXX, XXXX and XXXX. To date, I have received one response on XXXX, and it was a generic copy/paste email that did not address my concerns directly. I contacted chat support through the app on XXXX, but was told that my question would have to be answered via email. I also received a generic email as a response, stating they'd be in touch with me in the future. I have tried calling their customer service phone number numerous times, but it rings once and then goes to dead air. 

My shares/money have been tied up for a month now. I'm unable to buy/sell/trade with my CashApp as it could cause the transfer to fail, and possibly create additional problems. This is now causing me financial hardship as I can not touch my own money and would like to sell off some of my shares to take a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on XX/XX/21 i was making a deposit thru the atm upon me depositing check atm powered off the atm keep my debit card and didnt make the deposit but kept the check I went inside branch to summit claim # XXXX i was told i was going to get a provisional credit in the amount of XXXX the following business day. on XX/XX/21 i made another deposit for a check endorse over to me for XXXX now my account froze 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 2021-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I attempted to receive my credit score on the XXXX for my Transunion credit score, but it did not list my score only my credit report. On the website it stated, pay only XXXX to review credit score from Transunion. After putting in my card information it did not charge me XXXX cents but signed me up for a subscription instead, which is not what I was aware of and was completely deceiving. When I tried to cancel my Transunion subscription online, it kept circling back to the login page and never took me to cancellation. I finally called Transunion customer service and told them I wanted to cancel my subscription. Before the customer service representative asked for any verifying information, he just asked for my credit card number right away. I told him I was not comfortable just giving my card number out when he did not even verify my identity. He then proceeded to yell at me saying he needs the info to look up my subscription in which I hung up. This entire experience was not only deceitful but a complete SCAM!

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 2021-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX  continue to call my mother and leaving her messages about filling a complaint agaisnt me, I have never rcvd a call from them. The first time i spoke to them they advised that i had an account with capital one for cc for {$900.00} with interest is going to {$2200.00} from year XXXX put could make a payment over phone for {$1300.00} to settle out of court. I advise that i have never rcvd any documentation on this account ever, then she when to saying that she would wait til end of day to submit on XX/XX/XXXX. the calls continue to my mother the following week reach out to them on XX/XX/XXXX they provided me with the company name of XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, the kept threatening with taking me to court and the she would have an office serve me with document i did request to have the phone calls stop to my mother then XXXX become irritated and getting an attitude with me that i ended the call, they advised to contact capital one which i did the only info capital one provided me was a cc for {$400.00} that was sold to different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020 I got a Cashiers Check from my XXXX XXXX checking account ( acc XXXX routing XXXX ) In an attempt to move my funds to an account which a local branch in XXXX. 

On XX/XX/2020 my check went missing in the car. I knew the person who took it so after filing a police report they gave it back to me with my other belongings they had taken. 

On XX/XX/2020 I opened an account with Suntrust Bank ( acc XXXX ) and deposited the cashiers check. A few days later I found out that I wasn't approved for the account and it was flagged for fraud. I thought the person who stole my check might have tried to cash it so I filed a stolen check claim with XXXX XXXX on the XX/XX/XXXX with XXXX XXXX. I was told the process takes three months. After three months I still didn't receive anything XXXX XXXX was ignoring my emails. The XXXX XXXX customer services had no clue about my claim. I reported the matter to CFPB # XXXX. That was when I found out that my check had been cashed by Sun trust Bank and there was no reason for them to flag it as fraud because I am the one that endorsed it. 

Suntrust claims to have contacted XXXX XXXX to verify the source of my funds but that is not true because XXXX XXXX a XXXX XXXX branch manager followed up. They claim to have sent me a check of the interest not the initial {$50000.00} I deposited and it was sent back to them because my apartment number was missing on my account. I fixed that with one of their staff members but till date I haven't received anything. They want XXXX XXXX to recall the funds but XXXX XXXX they can't help me with that because it has been past 7 months. 

I can not contact the Suntrust fraud department only their staff can do that but when I go to the branch they are not willing to help me at all and they have an appalling attitude.There is no fraud whatsoever that they claim to be investigating they are just unfairly holding my funds for no reason. With no communication at all. 

Its been a very hard 7 months without my funds that were meant for my business and I've been forced to dissolve my company because of this issue. I am very appalled by how I've been unfairly treated by both banks that are doing the bare minimum to give me my money bank. 

I would be overwhelmed with gratitude if the CFPD would help solve this matter because Sun Trust is clearly biased. Based on their reviews on XXXX thesis a norm for them. 

I am looking forward to hearing from you. 

Sincerely 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 2021-06-09 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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX BANK, XXXX. - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXXL - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX FCU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX ACCEPT on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 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: TX

Complaint narrative:
On XX/XX/2021 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. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX  ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the Consumer Affairs website regarding the Transworld system - XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2021 I tried to use my LLBean Mastercard at a local retailer. The card was declined. 

This card has a {$10000.00} limit, I use it infrequently and pay the balance in full monthly. 

I had made a payment of {$11.00} on XX/XX/2021. 

Unfortunately, the amount I paid, which was in a large green box in print larger than any other print on the bill was my XXXX XXXX XXXX, not the balance to be paid. The actual balance to be paid was in small black print at the bottom of the bill. The actual balance due was {$14.00}. 

The credit card company declined my card for an outstanding balance of {$3.00}. There was no other past due amount carried over previously. Just an amount of {$3.00} not paid. 

What i can not understand is why the credit card company did not allow a balance of {$3.00} to be carried over to the next month and charge interest on that amount. 
Why did they decline the card and cause me the embarrassment of declining the card and have to leave my purchase at the retailer. I was a long-standing customer with this credit card. I had a balance of {$3.00} not paid that month. I mistakenly took the large printed amount of the reward earned for my amount due. 

I feel I was treated very unfairly. Also, the amount due should be the largest print on a bill, not the rewards earned.

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 2021-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
my account was closed around XX/XX/2021 without ant reason i had XXXX in my account

Company response to consumer: Closed with explanation