vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Hello, On XX/XX/XXXX I got an alert from XXXX, XXXX, and XXXX that I had an account, XXXX XXXX XXXX XXXX XXXX  ( Original Creditor ), go into collection by SOURCE RECEIVABLES MNG. This account is not mine. I have not received anything for this debt nor and most importantly I did not authorize this charge/account. 

Please remove this ASAP, I am in the process of buying a house and this has completely ruined my mortgage rates making it impossible to get a good mortgage loan. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Synchrony bank/lowes.This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Synchrony bank/lowes ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.

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 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I showed interest in the room but because of the unfair treatment they treated me, I went in for a new apartment because the document sent to me was a dummy.

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 2021-09-13 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: MS

Complaint narrative:
on XX/XX/2021, I wrote a letter requesting the investigation of accounts on my credit report. I never received a response so I mailed another letter on XX/XX/2021 stating that I hadn't gotten a response. Well it's XX/XX/2021 and I still haven't gotten a response yet. It has been 4 months!! The fcra gives 30 days for a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This complaint is in regard to a Capital One Quicksilver credit card. 

I was locked out of the web portal for a year because the two step authentication insisted on sending access codes to an old phone number I no longer used.

So when I needed the card 10 months later I had to call and update my information to get a current card and access the we portal to keep track of things, I expected that but this is where it gets drawn out on their side.

It took 8 calls, with the 8th call being over an hour long for Capital One customer support to update my phone number. Which I had tried to previously do on prior calls. This is really my contention. It should not have taken two months and 8 calls to update my phone number.

Once I got the phone number updated I could log in online and update my address, which they would not do over the phone ( because they were once more verifying my uploaded ID pictures ). Then I could get the replacement card which they did to their credit expedite to me via XXXX, after two more calls of course.

Additionally Capital One would not provide me the phone number to C.F.P.B. I had to get your contact information from one of Capitol One 's competitors XXXX XXXX. That is the second contention. 

Capital One is attempting successful Fraud protection, which I appreciate but them referring me to a smartphone webpage to upload pictures via a cumbersome interface with incomprehensible symbols for interaction doesn't help. Then them locking you out after two attempts also doesn't help. The worst part is the representatives silence as you ask them how to use the darn id verification via smartphone provision. I had to upload my ID pictures 4 times. Yes the last set of pictures was the best and clearest but their ID check via smartphone needs a really good camera and equally good phone to use. I had to email pictures taken via XXXX camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: OH

Complaint narrative:
Reporting of negative information on my accounts an refuse to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TN

Complaint narrative:
Sunrise Credit Services , Inc is in violation of multiple FDCPA laws. I am attaching proof of violation in the contents of this letter as well.

Exhibit A-15 U.S. Code 1692e.False or misleading ( 14 ) The use of any business, company, or organization name other than the true name of thedebtcollectors business, company, or organization.

Exhibit B-15 U.S. Code 1692f.Unfair practices ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that adebtcollector may use his business name if such name does not indicate that he is in thedebtcollection business.

Exhibit C-15 U.S. Code 1692e.False or misleading ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed.

Exhibit D-15 U.S. Code 1692f. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless
such amount is expressly authorized by the agreement creating thedebtor permitted by law.

Exhibit E-15 U.S. Code 1692b - Acquisition of location information ( 2 ) notstatethat suchconsumerowes anydebt ; Exhibit F-15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating

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 2021-09-13 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: CA

Complaint narrative:
I contacted Capital One just about 9 months ago to change my credit card due date from the XXXX to the XXXX. I was told over the phone that they would. Strangely though, they also decided to report the account with 30 day late payments. I was very upset so I called to get these lates removed. Even if Capital One wanted to consider me late for not paying on the XXXX, paying on the XXXX would still only be 14 days late. The 30 day late reporting is completely inaccurate. I conveyed this to them, and they promised me they would remove them but the 30 day late marks are still on my report. In XXXX, I sent them a written notice explaining the situation but Capital One continues to report this account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
In XXXX I opened two secured accounts with USAA. One being a Secured Visa account ; the other being a Secured XXXX XXXX Account. I was using the cards responsibly paying my obligation monthly. In XXXX, unfortunately, I had medical issues that forced me into the hospital- not having the proper assistance, these accounts went into default. USAA used the monies that secured these accounts though an outstanding balance was left. 
USAA began reporting these collection amounts to all three major credit bureaus. # 1 ). I do not feel I owe these amounts and have inquired with USAA regarding them. I continue to get the run around. Once they sent documentation which explained nothing. # 2 ). Both accounts are being reported to all three major credit bureaus incorrectly and inaccurately. I have attached an Identity IQ credit report that I purchased for your review. Dates are not consistent, why are they reporting a credit limit on a closed account, high credit amounts are incorrect/inconsistent, date last active and date of last payment are not consistent. Refer to payment history. XXXX is reporting nothing, XXXX is reporting monthly charge offs and XXXX is reporting that the accounts are being paid as agreed. WHAT?? INACCURATE/INCORRECT/POOR BEST PRACTICES. 
I have been disputing these accounts with both the bureaus and USAA. I am being told they are verified/validated as being correct. HOW??? what is there verification methods. I spoke with USAA just last week and the woman in the collection/dispute department told me that USAA does not correct credit bureau reporting ... .that is only done by the bureaus. WHAT??

This could all be resolved if USAA would just remove these tradelines from all three credit bureaus. I've suffered with this since XXXX. XXXX is enough please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was previously with Simple Bank and switched over to BBVA. I joined Simple as they did not charge any fees. They heavily advertised Banking without fees. I do not wish to bank with BBVA and want to close my account. I feel it is not at all what I signed up for.

BBVA refuses to close my account. I contacted them XX/XX/2021 to close my account. They refused as I had a dollar in my account. From there they have strayed to charge me overdraft fees. I contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to close my account. All three times they refused as now they say I owe them money, and the amount increases every time. 


I feel they should close my account and not continue to charge me any new fees. The terms of the account have been significantly changed since I originally signed up and they are imposing many new policies on me that were the exact things I tried to avoid by choosing the bank with Simple.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX, I the consumer, a natural person sent Great Lakes an affidavit of fact and they default on the rebuttal. Law states you have to rebuttal with a rebuttal or the affidavit stands as true. 
Affidavit uncontested unanswered [ United States v. Kis, 658 F. 2d 526,536 ( 7th Cir.1981 ) ; Cert . Denied, 50U.S.L.W. 2169 ; S. Ct. XX/XX/XXXX ] " Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit ''. [ Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp. 327 ] An affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true. 

On XX/XX/XXXX, I sent a Default and Opportunity to Cure with an invoice of consumer laws broken. They still defaulted with no verification of their claim against me. ( a sworn affidavit )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been disputing specific collection items that do not belong to me and I have no way to prove they do not as I have no accounts with these companies. TransUnion and XXXX stated they would not reinvestigate. These are still not my accounts or charges. 

I have had an identity theft reported in XXXX, XXXX and XXXX XXXX did reinvestigate and removed the accounts from my credit report.

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 2021-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
In XX/XX/XXXX, I leased an XXXX XXXX. I knew that my first payment would be {$480.00}, and that is the amount I paid on XX/XX/XXXX. Shortly after that, I received a " welcome '' packet from Audi Financial with a booklet that states " your account information has arrived. '' In the booklet, there is a page that clearly states the monthly payment amount is {$440.00}. There are no monthly statements sent, only this booklet at the beginning of the lease. This is the amount I have been paying every month starting in XX/XX/XXXX. At no point has Audi contacted me to say this amount was incorrect. Today, XXXX XXXX, XXXX, I received a letter from Audi Financial saying my account is past due in the amount of {$270.00} - this includes {$230.00} in past due lease payments plus {$37.00} in late charges. 

I called Audi Financial to speak with someone. The person explained the amount I am supposed to pay is on the contract I signed. This is one page of MANY that I signed that day, and I distinctly remember being told the actual monthly payment amount might change - wait to get the account statement/booklet. He then explained that after 10 days, a late charge is applied to the account ; after 29 days, it's reported to the credit bureaus. I am not clear why I was not told anything about this until XXXX, if they've known I've been paying the incorrect amount since XXXX. 

I understand I have been paying the incorrect amount and will certainly pay what I owe on this account. However, I now have a much better understanding of why I was turned down for a personal loan earlier this year. I had no idea Audi had reported me to the credit bureaus without telling me there was a problem. Had they notified me earlier, I could have corrected this earlier. 

I think Audi 's leasing practices are deliberately deceptive or completely incompetent. If I could turn the car in tomorrow, I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was defrauded by two clients. of Bank of America and Bank of America knew or should have known that the accounts were fraudulent. I sent several XXXX dollars by Wire transfer and XXXX XXXX for the purchase of Medical examination gloves to their clients but after they received the payments, they stopped answering my emails and XXXX XXXX messages. I reported the matter to XXXX XXXX XXXX XXXX and I also called the FBI who referred me to the XXXX Police. The XXXX Police filed a report for Fraud and upon investigation, they informed me that the Bank Accounts at Bank of America were fraudulent and they used other people 's identity to open the accounts, but before I made the wire transfers they told me that the Accounts are in the name of the company XXXX XXXX, XXXX and they sent me copy of their instructions. Since the company purported to operate from XXXX and they sent me an invoice with their address, I felt comfortable paying them at Bank of America since it was a local bank. Later, I hired an XXXX Private Detective and they reported back to me. that there is no such company as XXXX XXXX  registered in XXXX and the address is false. There is no such address. Later, I had a call from XXXX XXXX XXXX to come to the Police Station and she informed me at that time that since the accounts are fraudulent, it would not be wise for them to arrest the person whose identity was stolen to open the accounts. They have suffered enough, but I should contact Bank of America and request a WIRE TRANSFER REVERSAL I immediately contacted Bank of America RISK department, but they told me since I am not a client of Bank of America, I should ask the sending Bank to start the claim. I immediately contacted the sending bank XXXX in XXXX, and they sent several emails to Bank of America but to this date, they have not received any response. I urge you to look into this matter at your earliest possible convenience. Sub-joined are the supporting documents. Sincerely XXXX XXXX How can your complaint be satisfactorily addressed? 
Bank of America should return the payments i made to their fraudulent client as they should have known that the accounts were fraudulent Print

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 2021-09-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Won't stop calling and calls are from 4 or 5 different numbers back to back all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This started with XXXX in XXXX of XXXX. We moved that month and were told that upon moving, our internet would go through a " transfer-of-service '' ( meaning that our account and set billing cycle would stay the same and just be transferred to the new address ). This did not happen. After two days of being on the phone with XXXX, we finally were able to get our internet up and running, I was told on the phone by the rep that a new account would have to be made, but the old account from the previous address would be cancelled- which was fine by me. 

Fast forward a month a later ( XX/XX/XXXX ), I get an email from XXXX saying that our bill was past due ( and the address in reference was the old address. Unfortunately, I can not recall the amount at the time, but it has since gone up to {$480.00} ). I called XXXX and explained the situation. I was told by their representative that they would waive the bill due to us moving/ transferring service, and that the charge would be removed. I was glad to hear that. A few months later, we received a letter in the mail from a debt collector ( company name is Convergent ) requesting payment for an amount of {$480.00}. At this point, I'm livid. I called XXXX to explain my situation ( again ), and was told by the representative that this would be taken care of, and not to make any payments because I have no charges or debts associated with my current account or the previous account that was closed. 

Since then, we have several more letters requesting payment for {$480.00} from Convergent. In fact, we just received one that was dated XX/XX/XXXX. I didn't make an attempt to call due to XXXX 's assurance that the charges would be waived and their advice to not make payment.

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 2021-09-14 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: Union Credit Corporation
State: FL

Complaint narrative:
There are a few accounts that reflected on my credit from a company Union Credit / XXXX, I wasn't informed It was owed until it was reflected on my credit file. I have insurance and as soon as I saw it appear I took care of it. I feel it is wrong to have such accounts listed on a consumer 's credit file without even knowing it was owed. Please help I am requesting it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: Credit Plus Inc
State: MI

Complaint narrative:
On XX/XX/2020 a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached.

Company response to consumer: Closed with explanation