vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Financial Corp
State: AL

Complaint narrative:
I requested to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the account listed below. The collection agency sent me a generated bill as debt validation.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( I ) ( A ), the collection agency is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

You have not provided me a copy of a contract with my wet original signature to validate I owe the debt. 

Please remove these negative unverified accounts from my credit file. 
CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account CAC FINANCIAL CORP XXXX No contract, contract canceled. Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CBC Companies, Inc.
State: GA

Complaint narrative:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: ID Analytics, Inc.
State: GA

Complaint narrative:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: CA

Complaint narrative:
XXXX This is the complaint on file. I have been on the phone with XXXX today as I have received 3 emails from " XXXX '' that did not come from XXXX according to the person on the phone. I have also not received the label to send back the microphone that was sent to me through fraudulent Identity theft. I am attaching the 3 emails from today XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
The issue was that this company gave us wrong information in regards credit score I had to open an investigation with the Credit Bureaus and contact them to find out that your company told us was extremely low we are talking about a credit score XXXX  to be lowered supposedly XXXX this outrageous. Also refuse to show us the scores nor give us the source of your third party company witch was extremely wrong. I wanted to stress this incident also it reflects the unprofessional service and malice and discrimination process to the FTC Credit Laws in our State.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have paid my bill every month on time. Maybe a day or so late a few times but i just had my credit pulled and i see where they have shown me late every month since XX/XX/19. I did lose my job due to Corona and then i actually contracted Corona myself. When this happened i called the company in question to get relief and close the account. they said that if i paid XXXX initially and made the minimum payments due then I wouldn't have to worry about late pays on my report so i paid them the XXXX initially and then i continued to get enough money to make the minimum payments on a closed account but the late pays continued to be put on my report. I have tried to get them removed because this is not what i was told on the phone and i made the payments. The account was also closed. Please help me. Its effecting my ability to get a home loan.

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 2020-10-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XXXX deposits were made buy the ODJFS un employment of Ohio un the amount of {$4800.00} and {$900.00}, I was made aware of this by correspondence. I called the relia card number with the correct card number and it indeed said that there was two deposits made to the card. I go to the us bank to make sure and the balance said XXXX, I call several times and the deposit amount did not change the balance still said XXXX I contact a tier2 relia card rep and was told I had no other cards out there that this would have posted to and she had no record of this deposits even after I told her the transactions number abd that I had contacted a rep at unemployment. I called 6 times on XXXX XXXX. Everyone of of the reps had a different answer. I called the entire week and on XXXX a relia tier 2 rep tells me that the money was on an inactive card. I said how could this be that it was inactive? Plus it was on the active card 3 days ago that someone had to transfer it from their system. So she said the only say i would receive this money is if a new card would be sent. This is after a prior supervisor told me she would transfer the funds and that did not happen. So once i got the tracking number i look on XXXX which I was told i would have the card in 2 business days it was send to another address by that tracking number. The ups driver validated identity. So the same tracking number was given go 10 people. The tracking number did not match what was logged onto the relia card system. i called XXXX at XXXX am spoke to a supervisor. He promised me that i would have my card today XXXX, I received the tracking. number and the same has taken place. Card are being mailed out to residence with other peoples tracking number. My address and name was correct package at XXXX not the tracking number. I could not use that card as the supervisor made it inactive when he ordered another card. THERE IS FRAUD GOING ON WITH THIS COMPANY. I STILL DONT HAVE MY CARD OR THE FUNDS I WAS AWARDED.

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 2020-10-15 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: GA

Complaint narrative:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I have been a Union Bank personal and multiple business account customer for about 25 years. 

I normally make our two separate monthly mortgage payments on our two separate properties via Union Bank 's automatic online bill payment program from our personal checking account. Because we were refinancing both of those loans by entering into new mortgage loans, no XXXX mortgage payments were due. 

So on XX/XX/XXXX I went to the Union Bank online bill payment program to delete both of those " old '' automatic mortgage loan payments that would otherwise be made on XX/XX/XXXX. However, when I tried to do so, I found that they showed to be " In Process '' and I therefore could not delete them. 

On XX/XX/XXXX I contacted Union Bank customer service by phone. Initially, I was assured that they would just stop those payment checks from being sent out since they were still " In Process ''. But after spending almost three hours on the phone, I was told that they actually could not stop the checks from being mailed out. Instead, they would stop payment on both checks, assuring me that those checks ABSOLUTELY COULD NOT BE CASHED AND WOULD NOT BE PAID. I then told the agent that I wanted to receive confirmation of that IN WRITING. Although they tried to avoid doing so, they finally agreed. 

On XX/XX/XXXX I received an email from another individual at Union Bank confirming that the stop payment orders had been issued on both checks, and that " these items are unable to be cashed ''. 

On XX/XX/XXXX, despite assurances to the contrary, Union Bank PAID BOTH CHECKS BY WITHDRAWING NEARLY {$3500.00} FROM MY ACCOUNT WITHOUT MY AUTHORIZATION, AND WITH MY SPECIFIC INSTRUCTIONS TO NOT DO SO. 

I immediately contacted customer service again and accomplished nothing. I then contacted the branch manager who tried to get things resolved, but was only able to escalate the case to the " Office of the President ''. It is now XX/XX/XXXX, I have spoken to a person from the " Office of the President '' myself, and STILL nothing has been accomplished and they still have not credited the funds back to my account.

In my opinion, Union Bank has STOLEN {$3500.00} from my account, AND I WANT MY MONEY BACK IMMEDIATELY!!! Further, they should be criminally prosecuted for their theft of funds from my 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 monetary relief
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Today, XX/XX/2020, I went to make a cash deposit at the Capital One ATM in the XXXX Target, at XXXX XXXX XXXX XXXX, XXXX, XXXX, WA. 

I inserted {$830.00}, XXXX - {$20.00} bills and one {$10.00} bill. The machine pushed the {$10.00} bill back out. The machine continued to make noise, and nothing else came out. A yellow banner appeared on the screen stating I hadn't removed rejected bills and they were being " retained ''. 

I assumed it was an error, reinserted my card and proceeded to deposit the remaining {$10.00}. I checked my balance and it read {$41.00}. I removed my card, reinserted and checked again. Same thing. {$41.00}. I stood in front of the ATM and called the bank immediately. I was told ; only the {$10.00} was seen. I was then transferred to the claims department and explained the situation verbatim. I was told the matter would be investigated and could take 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i sent out disputes to the credit bureaus about account that are being reported on my creditthat were not authorized by me. I lost my wallet a couple of years ago which contained myid and social i believe i have been a victim of identity theft. I have filed an ftc report todocument this and would like you to help me resolve this matter.

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 2020-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
In XX/XX/XXXX I had an account with sprint, I had owed a balance of {$720.00}. In XX/XX/XXXX since I had yet to make a payment, XXXX took the balance I owed from my bank account that I made my payments from in the past. The way that my bank account is set up if I dont have the funds available my bank will cover the charge from an account that I have used before. At the time I did not have the funds in my bank account but my bank still covered it, but 2wks later I then paid that amount to my bank. XXXX had sent me a confirmation that my balance was {$0.00} as of XX/XX/XXXX and even unlocked my device. They then try to claim the payment returned 2months later, when my bank statement shows it never did and also my bank called in my behalf to XXXX multiple times stating that payment never returned and was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: LEXISNEXIS
State: GA

Complaint narrative:
i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I took a loan out with one main financial for XXXX and I signed up that if u lost your job u didnt have to make payments for a year and of course after 2 payments I lost my job but they still sent me to collections I'm still without a job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I initiated a dispute with Simple bank for {$13000.00} and the dispute was denied as I had filed it improperly, so upon the banks recommendation I reached out to the merchant to settle. Upon the merchant telling me take it up with your bank I refilled the dispute on XX/XX/XXXX. For three months not one member of the disputes team reached out to me, I tried to call multiple times and was left on hold for over an hour having to eventually end the cal each time without speaking to an individual, and sent numerous support messages that werent responded to for sometimes weeks. I provided Simple with a police report proving an identity theft had occurred and a signed affidavit that the charges were not made by me. On XX/XX/XXXX I was informed that my dispute would not be accepted and my funds not returned. I am filing a complaint to hopefully return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.

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 2020-10-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I corresponded with these companies over 30 days ago and asked them to investigate disputed accounts and provide proof with my signature or their method of validating these accounts and they have failed to do so.

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 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: OH

Complaint narrative:
Atlantic Recovery Services ( ARS ) is a debt collection service that is attempting to collect debt for an ex-husband ( XXXX XXXX ) whom i divorced 10 years ago. After repeated calls to me over the past six months and repeated discussions advising I have no legal connection to my former husband, I continue to receive harassing phone calls. I've been advised by several of the companies representatives, including management that i would be removed from a calling list. However, i continue to receive calls. I have even tried blocking the company 's number. They are circumventing the block. These calls are adding to my anxiety in these stressful and tumultuous times. I filing a complaint as a hopefully final recourse to stop the harassing phone calls for debt that I do not owe. 

XX/XX/XXXX Call from ARS. Called back and spoke to representative. 

XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXXCall from ARS.  Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS. Called back and spoke to representative XX/XX/XXXX Call from ARS. Called back and spoke to representative XXXX Call from ARS XX/XX/XXXX Call from ARS XX/XX/XXXX Call from ARS. Called back and spoke to several representatives XX/XX/XXXX Call from ARS. Voice-mail left on my phone

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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:
Previously had two accounts when I lost my wallet my bank account was compromised resulting in auto payments being returned. I sent the bank police report and bank memo I was advised over and over by multiple reps accounts were being reopened. Then I was advised they are not simply reapply. Based on my experience I wasnt exactly in a hurry to get back on board with Capital One. The accounts are restricted for something that had zero to do with me. I periodically check prequalify to see what I might be eligible at no cost to my credit. 

Today I was advised that I am blacklisted from the thousands of reviews I have seen it basically says I can never use capital one again which is beyond crazy especially for something that had nothing to do with me and if anything life happens maybe ease up like a lot. 

Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement. 

Seriously you blacklisted me for life?? I guess we have to cancel all of our other services with you as well for our home and business?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I had a truck loan that i never missed a payment on. I paid it every month from XX/XX/XXXX- XX/XX/XXXX. It was paid in full and i had even put on new rims and other accessories. The company in question came and took the vehicle and said that i hadn't made payments. I had paid it from different accounts each month and i no longer have the record of it because it was so long ago but it was paid in full. Now i see that it is on my credit as a charge off for XXXX dollars no less. I have tried to get this fixed with the company in question but had no success. At the time we got tired of fighting it with them and didn't know what to do so we accepted that we just lost a vehicle but now that we see they are showing we still owe XXXX it has gone to far and we don't know where to turn short of getting a lawyer. This has been extremely stressful. We owe nothing at the very least. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've disputed twice and both times without providing any documents they verify as true and correct which is completely false and far from being the truth. This is causing me many issues due to this company negligence and not properly investigating

Company response to consumer: Closed with explanation