vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had money wire transfered and the company will not return my money ( {$1000.00} ). they go through a process that should be criminal, like they have to verify that you are you. I transfered the money from my credit union so I have proof the money was sent, and are in this companys ' possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
XXXX fraudulently obtained service contract. My client is XXXX and did not agree to services. I have written to them in XX/XX/2021 telling them not to contact my client and to go through me. I wrote to Nationwide credit in XX/XX/2021 stating the same. ( see attached ). I again sent a letter to Nationwide on XX/XX/XXXX. In XXXX the alleged balance was {$60.00} and they further sent another letter to my client in XXXX with a {$650.00} balance. This is after I have repeatedly asked for verification of debt and stating that my client is represented by myself, a lawyer. XXXX actually had the nerve to come out to my client 's house just last week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: GA

Complaint narrative:
ERC is reporting this collection and making attempts to collect a debt not owed as this was charged off in bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: CA

Complaint narrative:
Just recently found out about, while opening o new checking account, about an item on my Experian credit report about a loan denial with XXXX XXXX  on XX/XX/2021. It was not me asking for a loan with this entity.

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 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I received text msg ( XXXX XXXX XXXX ) ( XX/XX/2021 ) from XXXX XXXX XXXX indicating that XXXX XXXX XXXX. has sent a debt for collection to Halsted Financial Service for their action. 
I do not recognize XXXX XXXX XXXX. for any accounts ( present or past ) and called XXXX XXXX Security office ( XX/XX/2021 ) and spoke to a manager with XXXX XXXX. I explained the circumstance, and he checked their records for any accounts registered with my cell phone number. he said there was nothing in their system. Additionally, he indicated that the XXXX XXXX XXXX phone number in the initial text is not valid to XXXX XXXX. 
Today ( XX/XX/2021 ) I received a further message from XXXX XXXX XXXX ( Halsted Financial Service? ) which specifies that an email has been sent to me, regarding this collection. No email associated with this cell phone ( or any other email accounts ) has been received regarding this situation. Halsted web page does not list a XXXX XXXX XXXX as a contact number Neither of the two phone numbers appear valid for the two respective organizations.

No email communication has been received from either organization XXXX XXXX mail has been received from either organization. 

What can be done to resolve this situation, which appears to be a phishing scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Contacted debt collector that this is not my debt. I do not have a PayPal account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and XXXX XXXX XXXX need to stop attempting to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR

Complaint narrative:
After multiple disputes, this company continues to falsely report that I owe them a debt. They have not responded to any disputes or sent anything in writing to confirm by debt with them wich is law

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 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Hello, On Wednesday, XX/XX/XXXX I began receiving repeated calls ( at least 4 ) to my personal phone number with an automated message which is as follows ; This message is intended for ****. We've been retained to process and facilitate a civil complaint. Which means you as responded. It is protocol to locate you, either your place of employment or your residence in order for you to be served prior to our client taking legal action. We are attempting to contact you first directly in order to give your statement of descent through mediation. Please contact the mediation department at ( XXXX ) XXXX XXXX. Otherwise, we'll have to list it as a direct receivable. And you'll be notified to appear. This is your official notification. 

I returned the call the same day, no answer, no company name, no option to get to different departments. 

They called again on Thursday, XX/XX/XXXX and I answered. The caller identified me by First/Last Name and last 4 of my Social Security Number . They recounted an old credit card through HSBC ( no account number ) that they state was closed off in 2016, I do not have a credit card closed in 2016, nor do I have any charged-off, or in-collection credit card debt. 

The caller stated that I would be served to appear in XXXX County Court and would provide no information, including account number, or even their full company name, the caller only answered the phone with " XXXX ''. These are the numbers they called from ; XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: IL

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts. Ive been a victim of identity theft.

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 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I went this auto shop on XXXX  to purchase a XXXX XXXX XXXX the check engine light comes on and another light i been notified XXXX XXXX i been notified the owner i originally went to help XXXX XXXX with his landscaping company in which he registered at XXXX XXXX under XXXX XXXX XXXX option and they probably gave him a debit card of XXXX or something like that where he could start a loan company under this bank. Now this same person came to me and got {$600.00} cash told me he would give me {$900.00} plus pay ticket if got stopped by police i got stopped right by XXXX XXXX on XXXX  of the day of court he told me he would give me my money i called no reply from him about my money i dont want his lawn mower or trimmer for cause it is no where near what i gave him period. He is a swindler thief and i want my money he owes me out his chase account this money i gave him was money for my vehicle to be registered with dmv he never gave me not a penny of my money back period this fake person is not welcome in Nothing of mines with government nor anybody thats like him. Him and XXXX XXXX think they slick and probably XXXX XXXX  they been stealing how are these people getting jobs at Banks and taking people money this same lady i used to give money to turned around and bite the hand that helped her i did nothing to this lady her and XXXX XXXX  is wicked. And i think they are doing this under XXXX  XXXX  XXXX XXXX  etc. When most of these banks like XXXX XXXX  are connected to places marketing companies that are slave holder like XXXX the prophet noble XXXX XXXX said if u aint carefully your brother will try and keep you in slavery XXXX XXXX  acts like that type brother people that mooch off people act like that rich people get rich off poor people that is slave wages and unions loan shark XXXX XXXX is a crook give him a fdic federal case of loaning money from me and not paying it back from chase like suppose give him a federal case and see if like it cause he playing with my money and got me in trouble. I reported him to fbi already. XXXX XXXX robbery is what im calling his charge.

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 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
I am writing this complaint because I am not comfortable with the way I am being handled as a consumer and a Natural person. Per my request to Santander Consumer USA I advised them in writing that I was mislead and mistreated on the day I purchased my dream car with a out of state dealership. I notified Santander in writing and sent the notice by certified mail which was signed for ; expressing my concerns with their company. The contract took effect on XX/XX/2021 and I have been struggling with this complaint since! I spoke with a representative due to a returned XXXX on XX/XX/2021 a whole month later! She advised me that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call today XX/XX/2021 by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Santander is in violation of is 15 USC 1662 Which states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. When this vehicle was advertised for sale there was no advertisement of a down payment, the down payment that was put down on the car was what the finance company forced me to place a down payment before taking possession of the vehicle. The rep advised me this was NOT against the law which is incorrect!

15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing.

At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind was also not provided to me in writing or verbally I am demanding this contract to be null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint currently holds the mortgage lien. This was a second mortgage that was initiated in XXXX. The original mortgage holder, XXXX, accelerated the mortgage in XXXX and demanded full payment. It refused to accept past due amounts and told us that the new maturity date was no longer XXXX ( a sixteen year mortgage ) but that the maturity date was now XXXX and all amounts were due and payable. The mortgage was transferred to XXXX XXXX in XXXX. They also demanded full payment. It was transferred again to Ditech in XXXX  and full payment was again demanded. Ditech transferred to Shellpoint in early XXXX. Shellpoint did not notify us of its servicing until XX/XX/XXXX when we sought a release of the underlying lien. Shellpoint refuses to release the lien even though this is a time-barred debt under Indiana law . It is illegally blocking our intent to transfer our real estate to a buyer.

Shellpoint can not provide any payment history from previous servicers. It is also conveniently unable to provide documentation of correspondence from XXXX changing the terms of the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, Capital One closed my credit card account and threatened me for law suit. I had a Capital One credit card during the Covid lock down. Since impacted by the Covid locked down, my hours were reduced. I missed 2 payments and Capital One closed my account and demand me to pay the full amount. That's given I did make up the late payments which they charged my all kind of late fees on. This is not right that we are being treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MECHANICS BANK
State: CA

Complaint narrative:
This has been an ongoing problem with end in sight. I was involved in a car accident, where I was rear ended and my vehicle was a total lost. The insurance company paid off my car loan and everything was clear. After the car paid, I see this charge on my credit report. I contacted the loan company, they informed me that the charge was sent to collection and they had no information about the loan. I filed a complain with the credit agency and this is the result, " Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ''. 

I have no idea what to do, I have asked for a bill, to explain this additional charge and have not received anything. I did not receive a statement from this loan company after the insurance paid them off. 

I ask for assistance in this matter. The loan company is refusing my request and continuously put me on hold and disconnect the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian REFUSES to remove inaccurate information on bankruptcy. This item is still being reported incorrectly and is extremely detrimental to me. This has caused me emotional and financial hardship because Experian does not want to act in accordance with the Fair Credit Reporting Act, Section 1681i.

I have requested that the inaccurate information of : 1. Chapter XXXX BK-XXXX  be verified by including : 1. Names of individuals you contacted for verification 2. Their addresses 3. Phone number I need to have this certification so that I can check it as well.

If Experian can not furnish those items requested then they must remove according to the law.

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 2021-11-04 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: TX

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery calls me often. They know that I am aware of my debt as I have talked to them and I make a monthly payment to them. I make my monthly payments around the same date every single month. I do not miss any of them. They still try to contact me about my debt because I am not on a payment plan. I do not wish to set up a payment plan. The reason I don't want to set a payment plan is because it requires automatic deduction out of my checking account, which an auto deduct is not a problem, but their auto deduction never pulls the money out of my account, then I have to leave my desk at work, make a phone call, cancel my plan, reset a new one, etc., etc. and this would happen every month, so, I am not going to put myself through that hassle when I can just make my payment on my own with no problems or complications. I am doing everything I can to get my debt with them paid off. They do not need to call me anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today I am writing to you in regards to my Bank of America Account # XXXX. 
I paid off my account in full in XX/XX/2021. As far as I knew this account had no balance. It seems that interest was put onto the account after the payment was made. I was unaware that any balance remained and only became aware of the issue when I applied for a home loan. A late pay showed up in XX/XX/2021. This is impacting the ability to close on my home.

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 monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: MA

Complaint narrative:
Zwicker & Associates mailed me a Judgement For Plaintiff notice on behalf of XXXX credit card. Zwicker & Associates claims I was served a summons on XX/XX/21. I was never served a summons. Total amount payable to plaintiff is XXXX, XXXX, according to this default judgement. I was never notified of a court date. Zwicker & Associates claims the complaint was filed on XX/XX/21, and a copy of the complaint and summons were served to me, XXXX XXXX, on XX/XX/21 " as appears from the officer 's return. '' I was never served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LendUp Loans LLC
State: WI

Complaint narrative:
I did not receive the favorable credit reporting that was promised after multiple loans over the past year

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
The collection agency is in violation of law for reporting inaccurate and fraudulent collection account reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion is not in compliance with the FCRA and are furnishing incomplete information on my consumer reports.

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 2021-11-04 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: GA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation