vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I FILED A DISPUTE WITH CAPITALONE ON OR AROUND XX/XX/XXXX FOR THE DOLLAR AMOUNT OF {$600.00}, A DISPUTE OVER A DANGEROUS USELESS ITEM PURCHASED ONLINE THAT CAN NOT BE USED AT ALL, NOT WHAT WAS ORDERED FROM THE COMPANY NOR WHAT WAS ADVERTISED BY THE AUTO COMPANY. IF THE ITEM IS USED IT WOULD CAUSE A SERIOUS DANGEROUS HAZARD ON THE ROAD, BECAUSE OF THE POSSIBLITY OF THE ITEM COMING OFF AT A SPEED OF 40 MPH OR FASTER, WHICH MAY CAUSE SERIOUS ACCIDENTS AND/OR DEATH TO OTHERS. THIS ITEM HAS NEVER BEEN INSTALLED ON THE VEHICLE AND CAN NOT BE INSTALLED BECAUSE OF THE DAMAGE. CAPITAL ONE REFUNDED THE CHARGE UNDER THE DISPUTE POLICY, HOWEVER ON XX/XX/XXXX PLACED THE CHARGE BACK ON MY CREDIT CARD, DESPITE THE FACT THAT IN ITS OWN CONTRACT WITH THE CREDIT COMPANY, I HAVE EVERY RIGHT NOT TO BE CHARGED FOR THE USELESS ITEM, WHICH WOULD CAUSE A ROAD HAZARD. I ATTEMPTED TO RESOLVE THE PROBLEM WITH THE AUTO COMPANY, HOWEVER TO NO AVAIL. ON OR AROUND XX/XX/XXXX, I PAID IN FULL, IN ADVANCE, AND WAS CHARGED {$600.00} FOR AN ITEM FOR A VEHICLE PART THAT WAS PURCHASED ONLINE FROM XXXX XXXX XXXX LOCATED AT XXXX XXXX XXXX XXXX, XXXX, IL. THE COMPANY CHARGED MY CREDIT CARD IN FULL {$600.00}, BUT REFUSED TO SEND THE ITEM. WHEN I CONTACTED THE AUTO COMPANY, THEY MADE ME WAIT WEEKS TO RECEIVE THE ITEM AND SHIPPED THE ITEM DAMAGED TO ME. I HAD TO REFUSE THE ITEM AND HAVE IT SENT BACK, HOWEVER THE COMPANY KEPT MY MONEY. I HAD TO REQUEST THAT AN ITEM THAT IS NOT DAMAGED BE SHIPPED TO ME. AGAIN WEEKS WENT BY AND THE COMPANY SHIPPED OUT ANOTHER ITEM THAT WAS DAMAGED AND HAD THE DAMAGED CONCEALED UNDER SHIPPING PAPER TO HIDE THE DAMAGE. UPON FURTHER EXAMINATION OF THE ITEM, I CONTACTED THE COMPANY ABOUT THE DAMAGED ITEM, THE COMPANY CALLED ME A RACIAL SLUR " XXXX  '', " XXXX  '' AND A " XXXX '', SAID " XXXX XXXX '' AND LAUGHED THEN REFUSED TO SPEAK TO ME, KEPT HANGING UP ON ME, REFUSED TO TAKE ANY OF MY CALLS AND REFUSED TO REFUND MY MONEY OR EVEN SHIP OUT AN ITEM THAT IS NOT DAMAGED AND PICK UP THE DAMAGED ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. CAVALRY PORTFOLIO SERVICE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX  XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OK

Complaint narrative:
XXXX I contacted US BANK for assistance due to COVID-19 that affected job hours. US bank did let us skip payments for 7 months and ONLY thing they advised about adding the amount to the end of the loan, but never ONCE explained that this would have to be paid all up front before we can refinance. I tried to refinance with another lender for multiple time and most of them are only going to do 80 % LTV if you do cash out to take care of this extra amount, since I do no have enough equity built in, I am not able to refinance and stuck with this company with HIGH interest rate and they are not willing to help in any way or form or shape. It's very unfortunate that I requested assistance without knowing that we were getting XXXX  over in the end, especially without any knowledge. In addition to 7 month of payments that was behind, they also added escrow balance to that amount as well which is over {$9500.00}. Very frustration for people that are in this situation like myself. Please help US all to get this fixed.

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 2021-03-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX. And XX/XX/XXXX they still didnt have it resolved i filed a dispute with Equifax about a BANKRUPTCY that they needed to verify andsend proof to me. they failed to supply results to me in 30 days and by law it must be removed. I called and asked them to remove it according to section 611 for failing to provide proof of verification within 30 days and they refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent several letters to Trans Union about my credit reportAnd unfamiliar items on my credit report I havent got a response or any change to my 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 2021-03-09 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: DISCOVER BANK
State: IL

Complaint narrative:
XX/XX/2020, my COVID-related benefits unexpectedly halted and paused my primary source of income. Discover contacted me within the same month and I conveyed clearly my financial situation, however still coerced {$180.00} to be debited from my bank before the end of that month. Again, I was very clear about the uncertainty of income and could not confirm having that amount available by then. 

The scheduled payment was inevitably denied. Since then, the company has called up to 6 times a day ( excluding Sundays ) and has relentlessly filled my personal voicemail box ; rendering it as unusable during the length of our national emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I was contacted by BB & T VIA mail that I had a account balance of {$50.00} in the supposed account. I then went to the Local BB & T Branch where I live in XXXX South Carolina. Upon arrival I inquired about the account and the bank teller said that it was fraudulently opened online and she asked me to provide her with my social security number. She then cross-referenced the information on the computer and realized that the individual that did this had indeed my true social security number and that's how they opened the account.

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 2021-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I have an escrow account through PennyMac. PennyMac failed to pay a Property Tax bill that was due on XX/XX/2020. PennyMac paid the bill after I called in and reported the missed payment, but I had to pay for the penalties for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I am attempting to buy a home. This account is the only account standing in my way. Over the past two weeks I have made multiple attempts to settle this debt. I have sat on hold for hours at a time before speaking with anyone. Each time, I was given a different Collection Agency to call to pay it. Each one explained to me that they no longer have my account and it was sent back to Barclay, that I need to speak to them to pay it. Thus, I immediately re-contact Barclay who say that they can not collect the payment from me either. Finally on Friday I spoke with XXXX XXXX XXXX who went in to far more detail with me. I was told that I am only required to pay 42 % of the outstanding debt to clear the matter per Barclays standard practice. I was also told that no collection agency has my account. That it is in " limbo '' and until Barclay passes it to another collection agency I will not be able to pay the debt. I was told this could take months to be reassigned to another collector. 
Phone Number to XXXX XXXX : XXXX My Reference and Account Number can be provided upon request

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 2021-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TMAGNUSONE Inc
State: GA

Complaint narrative:
I was looking into a XXXX  forgiveness program once it was time to start paying back my loans. XXXX XXXX XXXX  discussed 2 options and I went with what best suited myself. I made my monthly payments, sent emails, made phone calls, sent forms, and everything they asked. But its a scam. For the past year and a half, my payments have been pocketed and 0 % was put towards my loans. Then I find out they made an account in my name, created their own security questions, and making changes to my account. I am a victim of this fraudulent activity and Im unsure of what to do moving forward. Hopefully someone else who takes the time to thoroughly research XXXX XXXX can avoid the same fate.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
This is my fifth complaint with NCA. NCA according to documentation started reporting to credit bureaus prior to XX/XX/XXXX. I subsequently filed a complaint, which was closed with no action and I have never received anything via mail to allow validation or verification of debt.Based on your own admission, in the attached documentation, something was sent to me, however never received on XX/XX/XXXX. This is AFTER reporting had started and was not given written opportunity to request validation or verification of the debt. 

Laws have not been followed and my credit reputation has been damaged as a result. I have never been notified of this collection. As per the FDCPA, I have the right to request a validation of this debt prior to reporting and that was not done I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, or I am given in writing an opportunity to dispute you can neither continue collection activities nor report this information on my credit report. 

NCA has had several complaints and opportunities to provide proof of notification prior to reporting and has not demonstrated so, via 4 Complaints here and 1 XXXX  complaint. This is prof no notification of debt was sent prior to reporting in XXXX or sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
SYNCB/TJX CO XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, My name is XXXX XXXX XXXX XXXX. 
I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. 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 2021-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I was brought in to XXXX XXXX by XXXX police i didnt want to go there i wanted to go to the va because i am a veteran, i would'nt sign the admission so the nurse and the officer forged the paperwork and said that i was'nt able to sign.I have explained this numerous times to the company collecting the debt but they refuse to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: PA

Complaint narrative:
There is a PNC Bank line of credit for {$15000.00} that is a closed account. 
This was my ex husbands account that he took full responsibility for during our divorce because it was under his account. He had me as an authorized user for this account. 
I in NO way have any connection to this debt. My ex husbands name is XXXX XXXX XXXX. Phone number XXXX XXXX. 
I have discussed this debt with my ex husband and he told he it had already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or about XX/XX/2011 Wells Fargo XXXX XXXX in XXXX, California paid forged, Fraudulent checks equal to the sum of {$460000.00} to total strangers from an elder account holder. 
Furthermore, Wells Fargo has acknowledged and produced a document with instructions to contact the account owner in the event any checks were presented for payment above the average amount. 

Here are the forged check amounts signed by strangers, approved & paid by Wells Fargo Bank : {$96000.00} {$94000.00} {$88000.00} {$93000.00} {$91000.00} Account owner has spent $ XXXX in legal fees in efforts of recovering damages with no success. 
We feel Wells Fargo should be held responsible for damages since fraud was committed by one of its employees according to a signed statement dated XX/XX/2011 signed by XXXX XXXX, CFE Vice President and Investigator of Wells Fargo Bank For inquiries please contact : XXXX XXXX XXXX XXXX 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 2021-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I was looking over my credit report and I saw this negative collection item the is drastically affecting my credit score, for something I do not recognized from a company called PRO COLLECT INC the report shows the account was open XX/XX/2017 and the original creditor was XXXX XXXX XXXX XXXX I would like this to be permanently removed from my credit report thank you for your time

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 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had been reported by bank of America to XXXX XXXX, early warning system and others agencies because I close my account when I owned XXXX dollar on it. they told if I pay the bank they will remove me from XXXX XXXX. I have pay the money I owned and now bank of America is telling me that they can't remove me and XXXX XXXX is telling me the samething. the only thing I can get from then is if a goverment agency contact then they will remove me.

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