vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-27 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: Westlake Services, LLC
State: NC

Complaint narrative:
I have sent numerous amounts of letters to this company to fix the problem but they refuse to do so and have ignored my request my only sending me a letter that was completely irrelevant to my request. I sent this company a letter requesting that they update the account being reported to my XXXX  credit report because it is reporting payments being made that have not been made after the account has been closed, how can you be reporting payments when the account is closed? You are keeping activity on the account by doing that, so I then disputed this account with XXXX  and they didnt change anything wither. Im lost as to what I should do now but currently the account is being reported inaccurately and should be removed from my credit report, that is my final request but they wont do that either

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 2021-03-27 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
i have disputed this inquires on XXXX and i still have not receive any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This Collection Agency continues to report an account on my credit report even though it have not establish that I owe this debt.It have continued to ignore my compliance letters, For the record I have never had an account or a contract with this Agency, Therefore Im requesting that they remove any negative accounts they have in their offices from all of my credit reports,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Financial Services has harassed me for years and went ahead and placed a Derogatory mark on my credit. I disputed this issue with the Actual Credit Card company who investigated the issue and they confirmed it was a fraud and reported it to Midland. Midland does not care and still writes. Send me letters. Calls and harasses to try to force me to pay. 

I have sent them the finding from XXXX XXXX and they still don't stop or care to stop. 

I need this issue resolved so I can refinance and get my finances situated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: Winklevoss Exchange LLC
State: GA

Complaint narrative:
On XX/XX/2021, I made several attempts to withdraw funds from Gemini.com. One for {$500.00}, {$450.00}, and {$400.00}. At the time, I had a balance of XXXX {$560.00} in XXXX. All were denied with the explanation being " Your transfer requires additional review by our risk team and can not be completed at this time. '' This is really frustrating, and I don't consider the explanation provided as legitimate. Why does withdrawing funds that are rightfully mine pose a risk? Those funds are my rightful property and I should be able to withdraw them at any time, irrespective of any risks to me from doing so. Alternatively, if the message implies my withdrawal in such small amounts is a risk to Gemini, I would respectfully suggest that Gemini 's capitalization deserves further scrutiny. If a simple {$500.00} withdrawal request can put millions of consumer investments at risk, that is an issue worth looking into. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i have disputed this inquires on XXXX and i still have not receive any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I am customer of XXXX, XXXX in XXXX  XXXX. Changed my home insurance in XXXX and I received a XXXX dollar check from old insurance which I immediately sent to XXXX to be applied to my escrow account. Instead it was broken up and applied to hazard insurance. As a result my escrow account was low and my mortgage was raised around 65 dollars. This increase is a financial problem for a low income XXXX senior on social security. First I was told they did not get the check and my bank and I had to prove they received it. I called many times, sat on hold for hours, spoke to XXXX, XXXX, and last week XXXX who hung up on me. I was told by all three and several more that they more doing a TICKET and the money would be put in the proper escrow account. Then I was told on XX/XX/2021 that they never received my XXXX payment even though I emailed them a copy of the check to the address they gave me. Then I was told the check had to be used to pay for XXXX 's payment. Of course I paid XXXX XXXX mortgage payment. This company will ruin my credit rating which is over XXXX as I try to figure out how to eliminate this company from my life. I am never late and I never have a late fee from anyone.

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 2021-03-27 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: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third bank has improperly reported on my credit report a late payment. I have tried with them and through the XXXX  to get them to reverse it and they refuse. I contacted them the day my business was mandated closed by our state and had numerous phone calls and emails with numerous staff and not once was I told that I had to call any other person or number to note that my small credit card also needed stopped. My mortgage, business line of credit, and bank accounts all were stopped vis the branch manager and the staff I called or emailed and I had no idea I had to contact yet another number for the small crest card I have with them. The CARES Act notes that once you contact them they should stop all reporting. Fifth Third did not specify that multiple parts of their company needed to be contacted. The branch manager even tried to help me with this because it is absurd considering the volume of communications and problems I have had to try to survive through this. I contacted them even before any COVID processes were in place and then almost daily for weeks with the issues I had. As a small business owner trying to survive, this has hurt my credit report SO much. The payment was only {$35.00} and I have almost all of may accounts with them Not only did they not tell me to call another area for this, I never did not have {$35.00} to cover this. This is sheer harassment and unethical in such a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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 — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA refuses to remove {$190.00} worth of fraudulent charges on my credit card. 

Between XX/XX/21 and XX/XX/21, I had a total of {$650.00} in obvious fraud ( multiple transactions in XXXX XXXX XXXX ) post to my BBVA account that had a {$0.00} balance at the time. 

My card was in my possession at all times, and I nor anyone else make these charges, nor even have any idea what the companies are that were listed, nor ever recall buying anything in XXXX XXXX XXXX ) I don't know why ( if it was part of the scam ), but some of the {$650.00} in fraud was refunded a few days later, but it left me with {$190.00} in fraud on my card. 

I contacted BBVA to dispute, and was given a case number, and was assured they could see it was obvious fraud. I then received a letter dated XX/XX/21 that BBVA was refusing to credit me for the {$190.00}. My credit card now shows I owe BBVA {$190.00} which is wrong.

-- - Further, BBVA is incompetent and should be investigated by the CPFB. They do not allow any online way to dispute the transactions, and their fraud department is out-sourced with people who frankly have difficulty with the English language ( which likely means they didn't understand many of the points I was trying to make ). 

Worse, this is a MASSIVE DATA BREACH with similar transactions hitting multiple card holders that they should have been aware of, and through incompetency MANY people are having issues with BBVA fixing the problem. In fact, three members of my family wo have these cards got hit as well ( and likely filing their own complaints ) As an example, please review comments in these links, and look at your own database to potentially take action against BBVA for their breach and lack of interest in fixing : https : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Global Lending Services LLC
State: GA

Complaint narrative:
i disputed this inquires on XXXX, it has been more than 45 days and still no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to know what type of math equation is used that a customer owing {$700.00} in expenses turns out to equal {$6400.00} to this date in XX/XX/XXXX. I have never known a account to continually go up rather than be paid down monthly. 

I have paid {$8100.00} on an account that if my statements are examined what is reveled is no charges in 2-1/2 years. It looks like all of my payments have been added as money owed on the account. I have more than paid for this account to be closed. 

The calculations for the credit limit added with the interest on the money that has been paid into the account has resulted in a outrageous monthly bills. 

How many letters do I have to write addressing this very problem. Capital One should be ashame of themselves taking advantage of a consumer who pays their monthly expenses. I would like advise on how to close this account out as soon as possible. There is no way fairness has ever be used since XXXX sold the account to Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Call every Monday-Saturday When they first made contact it was to my fiancs phone number whom they assumed to be my spouse. They told him all the information in regards to the debt which is illegal being he is not my spouse. They had his phone number but not mine. Ive talked to them before and told them Id call back when it was convenient for me as I was working when they called my phone number. 
Now they have not stopped calling every single day, Monday-Saturday. Now today they have had called three times. 


On Saturday XX/XX/XXXX they called 3 times, XXXX, XXXX and XXXX Friday, XX/XX/XXXX XXXX Thursday, XX/XX/XXXX XXXX Wednesday XX/XX/XXXXXXXX Tuesday XX/XX/XXXX XXXX Monday XX/XX/XXXX XXXX Saturday XX/XX/XXXX XXXX I attached a screenshot and their number shows as Credence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-27 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/20 Ordered Printer for Step Daughter as tool for XXXX XXXX XXXX {$440.00} XX/XX/20 Step daughter email exchange ending in agreement with Seller to return printer for refund less restocking fee of {$130.00} ( 30 % ) for a refund of {$300.00}. CC still billing me for full amount of a printer that the seller has?? 

XX/XX/20 Printer returned as agreed XXXX track # XXXX proof retuned, please check yourself I just did again and it shows he signed for printer.

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 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from I.C. SYSTEM, INC/XXXX XXXX last reported XX/XX/XXXX in the amount of {$160.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both I.C. SYSTEM, INC/XXXX XXXX individually and have not received any reply back

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 2021-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft. The tradeline, which appears on my credit report from Portfolio Recovery Associates/XXXX XXXX last reported on XX/XX/XXXX in the amount of {$1900.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both Portfolio Recovery Associates/XXXX XXXX individually and have not received any reply back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 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: Total Card, Inc.
State: GA

Complaint narrative:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX purchased a debt owed to XXXX XXXX XXXX  on a closed checking XXXX overdraft account. The original amount was approximately {$1000.00} and they have been attempting to collect about {$2400.00} through their assignee XXXX XXXX XXXX. 

I have had multiple communications with XXXX XXXX XXXX about this matter indicating that I am aware of the debt and the balance of approximately {$1000.00} but I requested validation and verification of the debt, copies of invoices, billing statements, contracts supporting the balance they are attempting to collect for about 2 1/2 times what was originally owed. 

I have made several payments in an effort to show good faith and my intentions to resolve the amount I actually owe although they have neglected to provide the requested documentation they are required to furnish by law ( FDCPA 95-109 808 = Unfair Practices and 809 = Validation of debts ). 

I also disputed this with the credit bureaus and they validated this I believe illegally because they haven't validated the debt with me so how could they respond to the credit bureau complaint in the affirmative! 

I have have already paid them {$1100.00} which is near the original amount I think I originally owed. 

# 1 FDCPA violation by not validating the debt # 2 Potential violation by adding fees and costs not agreed to in the original contract # 3 FCRA violation - validating the account with the bureau after I disputed it ( back to # 1 -if they can't validate the debt with original contracts, documentation then how can they verify the debt with the bureaus Spoke with Ms. XXXX XXXX XXXX XXXX XX/XX/2021 @ XXXX MST.. she transferred me to XXXX " Camera XXXX? - Operation Manager who was unhelpful, he stated that I need to work through XXXX XXXX XXXX even though they own the debt and XXXX XXXX XXXX is only the assignee and I explained that XXXX XXXX XXXX 's portal has my account " disabled '' to access any info and no one replied to my last email several weeks ago on the validation, documentation request. 

If XXXX had retained the account this communication issue with XXXX XXXX XXXX would not be an issue and now that there is a problem they are not taking any steps to intervene with the assignee to facilitate communication of the requested docs and resolution with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a copy of my credit report and noticed fraudulent accounts.

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 2021-03-27 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

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 2021-03-27 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.

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 2021-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: IL

Complaint narrative:
I also want to inform you that you have indeed federally violated my consumer rights as a consumer. The federal law under the FDCPA stated as in order to disclose my personal information you have to have my written consent and also there is no disclosure with an opt in or option notice requirement which is under 15 USC 6802. There was never a disclosure that exercised my nondisclosure option for this reason you have committed a FEDERAL FRAUDULENT ACT by making me feel you were supposed to have my personal information which is unlawful making you liable also under the 15 U.S Code 1640 Civil Liability section. I also have the right to privacy as a consumer which is stated in 15 USC 1681 ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report I need to see a contract with my permission that allowed you to do this in the first place so please produce a contract that granted you the permission to furnish my report & if so reply back in affidavit form and have a senior executive or yourself create an affidavit with it being notarized. If there is no permission consent delete the following accounts listed below.

Company response to consumer: Closed with explanation