vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 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: OH

Complaint narrative:
I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 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: FL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
With USAAs history of banking, and the fair credit reporting act provided, I did not expect the notification for payment attached, The debt would be paid and would not have incurred, had the auto claim been dispersed to checking as XXXX XXXX stated in XXXX. 

A fraud investigation is necessary to resolve the issues in a professional manner. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
I have been receiving collection notices for a cable bill from XXXX. I sent a debt verification letter dated XX/XX/XXXX and I received a letter dated XX/XX/XXXX from XXXX listing transaction info, their licensing info from NC and NY. I reside in NJ. No information provided by XXXX that I signed an agreement for XXXX XXXX XXXXhis debt does not belong to me. Furthermore, the information provided by XXXX is from XXXX. I believe there is a statue of limitations and this company is illegally trying to collect on this frivolous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: OH

Complaint narrative:
I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: NJ

Complaint narrative:
I have tried to correct inaccurate information on my credit report. However, XXXX  XXXX XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to XXXX  to file this dispute Return back to 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 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I have been banking with Bank of the West for the past 4 years, never had an overdraft or any other negative activity on my account, I went to the bank provided them with 2 forms of ID changed my account type from starter to any-deposit which is their normal account type. They asked about my citizenship, inquiring which country I had a second citizenship with, while I have SS number and my real CA id presented to the Banker. The banker acted as if she was an ICE or IRS rep not a banker, I was shocked and offended but I answered questions and at the end I asked 3 time were all things in order bc I was sent a letter asking me to go into a branch an verify my Identity which I did 2 weeks ago, I was told all was ok and My bank account is in good standing. I asked my account wont be closed right and was assured it wouldnt be. Yesterday on XX/XX/2021 the bank in fact did close my account and did not inform me of their actions. I went grocery shopping and my card was declined, I was humiliated, I looked at their banking application and it showed my entire balance was debited without my knowledge without an indication of what had happened. I called and spent an hour on hold waiting for customer service to answer, was told a branch location in XXXX California, the original one which I had opened the account in, had closed my account and I needed to go to that branch and find out why, and try to get access to my {$3000.00}. I went today and was told very rudely that the bank doesnt have a manager that I could speak with! I was given a false main number to their bank back offices, I called and it was in fact the same rude teller who picked up and told me to call their 1800 number. I called that again today and their call center says I need to deal with the location branch! I asked if they could expedite my money to me faster and was denied that as well! They have send my money in regular mail, which takes 7-14 business days! I have rent due and other payments without access to my own paycheck which was automatically deposited as it always has been for the past 4 years! I do not see any other reason except for my race and my citizenship that this bank and its personal have taken such an action towards me! I believe deeply that the Bank of the West has discriminatory policies towards members like myself who are not natural born citizen because of the fact that they asked for proof of my citizenship!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello, I had unauthorized charges on my checking account and reported them to the bank. 

The charges were made as XXXX XXXX. I don't even have a XXXX XXXX account and the description also doesn't have my information. 

I called the Bank and claimed the unauthorized charges but they denied the claim. 

Claim number # XXXX filed on XX/XX/2021 for {$6200.00}. 
Claim number # XXXX filed on XX/XX/2021 for {$4000.00}. 

I feel I'm being unfairly treated here. 

I request the company to fix the issue and resolve this as we are going through difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: OH

Complaint narrative:
My two student loans with AES are reporting late in XXXX of 2020 on my credit report. I pulled my payment history snd show a {$190.00} payment on XXXX 1,2020 and another {$200.00} payment XXXX XXXX,2020 and a {$270.00} payment on XXXX XXXX2020 which means there is no way I could be 60 days late on this as I made 2 double payments within those 60 days. I would like this removed from my credit report and updated to on time please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX during a US Bank Reliacard transaction at the XXXX, PA XXXX XXXX XXXX XXXX my Reliacard ( Pandemic Unemployment issued pre-paid card issued by US Bank ) was declined. At XXXX XXXX I called US Bank Reliacard Customer Service XXXX to report the issue. Customer Service Rep Mr. XXXX alleged that a XXXX XXXX transferred {$970.00} from my debit card online at www.usbankreliacard.com. I told the C.S. Rep that I never set up my online account. XXXX said he will put a " Soft Hold '' on my acct so money can be added, but no withdrawals until I call in to request a withdrawal. On XX/XX/XXXX I went to same Post Office, call US Bank to request a withdrawal. Bank Rep XXXX said same person transferred a new deposit load of {$490.00} from my account. I filed a Dispute Complaint by Fax to US Bank Customer Relations. XXXX cancelled my card and said a new card with new # will be mailed to me. I said I do not want a card, I prefer to receive a check by mail only.

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 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I disputed it, now Im waiting on the results. But after further investigation, I was told that theyre not supposed to list a debt owed over and over again. I dont know what the debt is but the same one is on my credit report 19 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cash Link USA, LLC
State: KS

Complaint narrative:
A lawsuit was filed against me for debt with a pay day loan company. The law firm and the creditor never sent me anything by mail about this debt so I was not able to verify the debt. The law firms website is https : //XX/XX/XXXX/. Neither the company nor the law firm contacted me through mail or telephone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am trying to finance a vehicle through XXXX XXXX XXXX. My Experian credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS 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 non-monetary relief
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have been sending requests to Equifax since last year and I'm not receiving responses from them. I have proof they received my letters for an investigation and I'm not hearing anything. I attached the notice of it being delivered. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an offer today via email to apply for the Capital One Quicksilver card with {$200.00} bonus and 1.5 % cashback. 

Generally, to receive an invite like this is practically a 99 % chance youll get the card if you apply. 

I received 2 offers from XXXX recently and I applied to one ( the southwest card ) and immediately was approved. 

My credit score is above XXXX with all three credit bureaus and my debt ratio is 3 %. 

This is the third time Capital One has done this to me. To invite me and to deny me a credit card multiple times is a predatory lending move and has damaged my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
Someone in USAA bank withdrew {$760.00} from my checking account instead of my daughters account for her car insurance payment. The bank has not resolved this obvious mistake on their part. I am out {$760.00} because someone clicked on the wrong line and they will not remedy their mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am trying to finance a vehicle through XXXX XXXX XXXX. My XX/XX/XXXX credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I am trying to finance a vehicle through XXXX XXXX XXXX. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Woodlands Financial Services Inc
State: TX

Complaint narrative:
I never missed a payment with this company. The car did get picked up because of non payment, my mother passed away in my house and we had financial issues and let my insurance lapse and they came and picked it up for no insurance and of course I couldnt pay the repo fees to get it back but I never missed an actual payment. And they never once reported amy of my payments befor this to benefit me so why after you didnt give me a chance to get Insuarnce would you tarnish my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I XXXX XXXX XXXX entered into a consumer credit transaction with Flagship Credit Acceptance on XX/XX/2021. A consumer credit transaction is an transaction in which a finance charge is involved. 

Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Flagship Credit Acceptance sent me a bill which is a violation of 15 USC1692 ( b ). Also this company is criminally and civilly liable for repossessing this vehicle which is a violation of 15 USC 1692 ( f ).

Pursuant to 15 USC 1611, Flagship Credit Acceptance is criminally liable, they are also criminally liable for double the amount of finance charges. 

Pursuant to 15 USC 1640 and they are liable for each FDCPA violation, pursuant to 15 USC 1692 ( k ). 

I am demanding they remove this alleged debt from my consumer report, or remit payment to me violations & apologize.

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 2021-04-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo violated FDCPA rules by calling prior to XXXXXX/XX/XXXX. I already filed CFPB XXXX and reject the response. 

You can not use corporate rules to violate calling times. You can not justify harassment. You can not use Covid as an excuse to violate FDCPA laws, rules and regulations. Wells Fargo DID call me prior to XXXXXX/XX/XXXX and wish to justify their illegal actions!!!

Well No!!! 

They have admitted making the call. I want my {$1000.00} dollars for their clear violation of the law! Wells Fargo can not cite, and has failed to cite ANY state law, federal law or even a fictitious law to support their claim that they can violate the FDCPA!! 

At what point do I get paid for their harassment? Calling prior to XXXX constitutes harassment!! Calling at that time is an automatic fine. Pay up!!

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
This is a complaint is against the AmeriHome ( AM ) ( 1 ) fails to process my payment via XXXX ; XXXX 2 ) making harassing collection calls at my work until I made an extra month of payment ; ( 3 ) rejecting XXXX Proof of Payment and refused to credit the payment to my account. 
On XX/XX/XXXX, XXXX made an electronic payment to XX/XX/XXXX. On XX/XX/XXXX ( XXXX before grace period ends XXXX, I received a collection call from AH at work. As soon as I picked up the phone, there was a recorded message This is a debt and collection call from AmeriHome, if you are XXXX XXXX This is super embarrassing if the call came through reception. I received 2 mores collection calls after that. 
I called XXXX inquiring about the payment and to double check if the bank has all info correct. XXXX confirmed payment was made on the XXXX and cleared on the XXXX. XXXX confirmed the account number was correct and provided a Proof of Payment to be sent to AmeriHome. 
In order to avoid more harassing calls which interfere my work, I made an extra payment on XX/XX/XXXX, expecting that it would apply to the XXXX payment. On XX/XX/XXXX, I called AmeriHome about the issue. The representative, I believe his name is XXXX told me to email the proof to AH. To my surprise, I received a response from AH that they can not respond to my issue because it is unsafe to communicate via email. However, this is the same email address AH has been communicating with me numerous time since XXXX. 
I made a total of 2 payments for XXXX but AmeriHome only credit the payment I made directly with XXXX, refused to credit the one month payment via XXXX provided I sent them the Proof of Payment. Please assist and investigate any other victims who run into a similar issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm filing a complaint against XXXXXX/XX/XXXX for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.

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 2021-04-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm filing a complaint against XXXX XXXX  for the second time. My first complaint was resolved by the company after they attempted to falsely mark my account as delinquent on my credit reports and charge me for fees that they actually owed me because this deposit was what I used to open the account, which was fraudulently used multiple times despite the fact that I had never received a credit card in my hand since I opened it in XX/XX/2020. 

The credit card company refunded me {$200.00} last month and removed all false marks from all three credit bureaus, but my account has now been placed in delinquent status as of XX/XX/XXXX for missing four payments, which is yet another false claim made by the bank. This is completely unacceptable and unlawful ; I feel financially victimized by the credit card company, and I am not alone ; multiple people have had reported similar experiences with the bank.

Company response to consumer: Closed with explanation