vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I DECIDED TO SIGN UP FOR CREDIT WHEN I ENCOUNTERED THIS COLLECTION XXXX XXXX XXXX XXXX Original creditor HARRIS & HARRIS ( Collection Company ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I contacted XXXX XXXX XXXX and have made a couple of payments online myself I was not aware of the debt at all, spoke to a company rep and she said that my debt is not {$1300.00} like what it is reporting in my credit report if not {$600.00}, she had no clue tried to contact Harris and Harris can't get answers, sent a questionnaire only way to contact them with all the info. I also told medical faculty that I had intentions to pay them per month but never ever got a bill, they had the wrong address, I also informed them that I was paying on website and you have no right to send me to collections while payments in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
This complaint is related to complaint XXXX that was listed as closed but is not closed. 

I spoke with a representative of XXXX XXXX to discuss that my PMI was not being removed. They very quickly stopped charging me PMI but the lady said i would be getting a refund of approx {$600.00}. I got a check directly from the mortgage insurance organization of {$270.00} but I have not received the rest. 

I have called the lady back several times and left voicemails and she is no longer returning my calls. I have been chasing up with her for over 2 months now to have no resolution.

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 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting to the credit reporting bureaus for an account ( XXXX XXXX ) that has been paid in full. PRA also is reporting that there is a balance on the account, and from the last report, has increased. Upon filing a dispute with the credit bureaus, on XX/XX/XXXX, the credit bureaus ( XXXX, XXXX, XXXX ) all claim that PRA has provided that the balance is valid and accurately being reported by the FCRA.

PRA, during the dispute process with the credit bureaus, sent me documentation on XX/XX/XXXX, stating that the account was paid in full. Additionally, they have stated that they would have the tradeline removed from the credit reporting bureaus. This has not happened, instead, the balance on the account was increased by {$11.00} to now show {$22.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Todays date : XX/XX/XXXX AR RESOURCES INC XXXX AR RESOURCES INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious AR RESOURCES INC XXXX AR RESOURCES INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Both cases have been Vacated and the credit bureaus will not take the accounts off my credit report XXXX, XXXX, and XXXX. Please help me to remove them. Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney XXXX XXXX XXXX ( XXXX ) XXXX XXXX Plaintiff N/A XXXX XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Counsel Statement of Costs Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Judgment Default Signed XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$200.00} Costs XXXX  : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$1900.00} Principal XXXX  : XXXX XXXX XXXX XX/XX/XXXX Vacated Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney MIDLAND FUNDING LLC Plaintiff N/A XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Statement of Costs Filed by Plaintiff XX/XX/XXXX Judgment Default Issued/Ordered XX/XX/XXXX Motion Vacate Filed by Plaintiff XX/XX/XXXX Order Vacate Issued/Ordered XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX Vacated XX/XX/XXXX Vacated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I started my US bank business account XXXX routing # XXXX XX/XX/2013! I was only able to use my account for a couple months because of the fraudulent accounts being used! Someone took account information of mine and fraudulently moved my account to routing # XXXX and fraudulently opened XXXX and account XXXX routing # XXXX and account XXXX routing numbers XXXX and routing # XXXX which is a different state! I was recently informed every account is still open and under my information but these local US bank managers XXXX XXXX and others have fraudulently kept me out of my account and funds since i opened my account! I started XXXX XX/XX/2013 and linked it to my US account XXXX routing number XXXX and have not been able to use my funds since XX/XX/2013! Now my square account XXXX is showing as a US bank federal account! It is a shorter version of my XXXX that i have never been able to use because of the fraud going on!

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 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX of XX/XX/XXXX, I was offered a balance transfer promotion by Capital One. I requested the balance transfer for the amount of {$2700.00}, it was supposed to go to my XXXX XXXX account. I noticed it hadn't gone through, but I gave it a few weeks as I know sometimes processing takes longer. 

The balance was never transferred into my XXXX XXXX account. On XX/XX/2020, there is a electronic transfer charge on my Capital One statement. However, the money never appeared in my XXXX account. I have been calling to resolve this for almost two years now with no luck. I've gotten Capital One representatives on the phone with XXXX representatives and tried every method possible to resolve this matter. I ended up paying off the XXXX account, but Capital One never reversed it on their end, so I have been paying this amount in order not to default on my account. I am basically paying the amount twice with interest at this point. 

Capital One requested documentation and said they would start an investigation. These investigations went nowhere and no one contacted me with updates -- I only got them if I called. This was during a pandemic when I was a XX/XX/XXXX, a XX/XX/XXXX, had to hospitalize my mother, helped my grandparents overcome XXXX, buried my grandfather in law and took my mother in law to XXXX appointments. I still made the best effort I could to provide them with the information to clear it up. They claim they can not reverse the transfer because they don't know the account it went to, but in my first ever call on this matter, the representative told me the last four digits of the account it went to -- they were only slightly different from mine, with two of the digits reversed in order. 

My last communication with them was that they couldn't resolve it because XXXX hadn't responded to them. The representative told me they would send me a letter to attest to that so that I could contact XXXX. When I received the letter, it only said that they weren't able to help me with my request -- nothing that would indicate to XXXX that they had tried to communicate and needed information. I have spend two of my most difficult years trying to resolve this issue, and am now paying a balance I technically do not owe. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
For over SIX weeks now, I have been unable to access both my business and personal accounts with PNC Bank after the transition from BBVA. I have access to each account individually but can not transfer any funds between the accounts since early XXXX. I have spent 3 hours in the branch and spoken on the phone with multiple supervisors and escalations departments in personal banking, online banking, and business banking. These conversations have totaled approximately 15 hours of time with ZERO results. The only answer is that accounts have been linked correctly, and now they are just waiting for their computer systems to process the change so that all of my accounts can be seen under one online login ( which would finally enable me to transfer funds between my business and personal accounts ). However, their computer system has not completed anything in over 4 weeks now. I am hearing this is happening to THOUSANDS of clients that had both business and personal accounts with BBVA that transitioned to PNC. This is unacceptable and has become a detriment to my business since I can not transfer funds between the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Trying to refinance our house due to financial struggles and 2 lenders could not open my credit report from EQUIFAX! 
I logged into my equifax.com account to see if I could see the problem, and clicked on, '' View my credit report '', which said credit statue unavailable, " BLOCKED FOR PROMOTIONAL PURPOSES!!! '' I am furious as they have no right to withhold lenders I give consent to to help us in this difficult time while mortgage rates are still low!! 
They MUST release and open my credit report or I will file a lawsuit for financial devastation due to their negligence to comply and take this RIDICULOUS block off my credit report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. Navy Federal Credit Union is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called Navy Federal Credit Union twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I suddenly stopped receiving billing statements on my Capital One MasterCard account in XX/XX/2021. Since that time, I have received neither paper statements by mail nor any email notifications when a statement is posted. The last statement I received, by US Mail, was for the period ending XX/XX/XXXX. I paid the entire balance due promptly as usual. It took me a while to notice that I was not receiving statements. Once I went online and discovered I owed a balance, I paid all of the " transactions '' in full, but not the interest and late fee charges, totaling {$64.00}. I disputed the late fee and interest, by letter to Capital One, dated XX/XX/2021, based on my understanding that the applicable regulations require the bank to send me notice by way of a statement in sufficient time to allow a customer not to incur interest and late fees. I also noted in my dispute letter that my mailing address and email address information are correct on the Capital One website, but when I try to check my " alerts profile '' for my account to see why i am not receiving statements, I get a message as follows : " Unable to retrieve your preferences, but we are working on it. Try again in a bit. '' This message continues to appear on Capital One 's website with reference to my account. I believe there is a an issue with their records on my account which they have not acknowledged or corrected. Capital One responded to my letter by crediting me one late fee, but continuing to charge interest on interest and late fees each month since. I still have received no statements on the account without going online affirmatively myself to see what they are charging me. I contend that the law requires a credit card issuer to provide timely statements. I therefore request full credit for my current balance of {$79.00} and correction to my account that will provide me with timely statement information from now on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2021 I sent a certified letter to Capitol One requesting that they provide verification that the collections account number XXXX shown in my XXXX, XXXX and XXXX credit reports belonged to me. 

After receiving no response I sent a second certified, return receipt letter on XX/XX/2021 requesting that they remove the collections account shown in my credit reports at all three credit bureaus. According to the Fair Credit Billing Act they are required to contact each credit bureau to ask that the derogatory account be removed from my credit file. 

On XX/XX/2021 I sent certified letters to each of the three credit bureaus, along with copies of the letters sent to Capitol One requesting that each one of them remove the collections account number XXXX shown on my credit report. I asked that they update my credit report accordingly and send me a corrected report within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: TN

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On Tuesday, XX/XX/XXXX at XXXX XXXX I received a text message from Wells Fargo fraud alerts asking if I authorized a {$2000.00} XXXX transfer. I immediately responded No. see below : XXXX ( XXXX ) XXXX Text Message Tuesday XXXX XXXX Free Msg-Wells Fargo Bank Fraud Alert-Did You Attempt To Do A XXXX Transfer For The Amount Of {$2000.00} Reply YES or NO Or 1 To Decline Fraud Alerts No Thank for your confirmation case id # XXXX Seconds later I got a call from XXXX which is Wells Fargo customer service so I immediately answered. The guy ( I cant remember his first name but last name was XXXX ) said he was calling with Wells Fargo fraud prevention on a recorded line. He said there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with my name and phone number and redo the attempted transactions. He had me send myself {$1000.00}. Than {$1000.00} again. Than {$800.00} which declined because my funds were depleted. Than the call dropped. I received these text messages : Text Message Tuesday XXXX XXXX XXXX XXXX XXXX WON'T CALL for this XXXX XXXX, Enter : XXXX. Don't share! Reply HELP for help, STOP to end msgs. Msg & Data rates apply.

Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your TD Bank account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Send Money with XXXX message from XXXX XXXX @ XXXX. XXXX XXXX sent you {$1000.00}. 
We'Il deposit this Send Money with XXXX payment to your XXXX XXXX account. Reply HELP for help. Reply STOP to cancel. 
Msg & Data rates may apply. 
Text Message I immediately called back Wells Fargo at XXXX and filed a claim realizing I had been scammed. All my money is gone and Im devastated. Im so mad at myself that I fell for this. Please help.

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