vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
Patenaude and Felix ( P & E ) reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with XXXX XXXX. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that P & E had taken over for XXXX. In fact, when I called XXXX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to Patenaude and Felix. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called P & F to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the P & E office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. P & E finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I recieved my first stimulus check on my card & the same thing happened they locked my account right after I recieved the email telling me I got the money. So they provided me with a phone # to contact them & after calling the number they provided it tells me that they are not accepting calls at this time. So my accounts been locked for the second time now after receiving my stimulus check due to the pandemic. Last time it took me 4 1/2 weeks to get someone on the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Genesis Credit Management has been calling family members and friends from PRIVATE and blocked numbers. The harassments began in XXXX of 2018. They called a family and threatened to send the sheriff 's department to her home. They called another family member and threatened their religion. All threatening voicemails are documented. They called me pretending to be an apartment complex in XXXX California asking about an application I never filled out. I get 2-10 phone calls per day now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
There was around XXXX dollars worth of charges made to my Home Depot Citi card back in XXXX. I sent in a fraud statement along with an identity theft deport when I discovered the charges. They responded with a letter saying the investigation was done and I was responsible for the charges. The account was closed and it was removed from my credit reports, but they kept sending me bills for the charges, and now sent a letter saying they are going to turn it over to an attorney. I have no idea what kind of investigation they could have done that showed this was me making these charges. I never even went into a Home Depot etc. The card was misplaced and someone used it! I have continued paying on the account, but have asked an attorney about my rights and they informed me to write one last time, and save all my correspondences before they proceed. So that's what I am doing.

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 2020-12-31 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

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 2020-12-31 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have two credit cards through Citibank. Around XXXX 2019 one of my on-time Citibank credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting Citibank support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in Citibank 's " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and XXXX  have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX  and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX  is still pending. I am including all three companies : Citibank, XXXX  and XXXX  on this complaint.

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 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Navy federal government agencies Mobile banking online app XXXX XXXX to The US Department of Labor Freedom of speech tools Consumer financial protection Annual lines of credit permanent end of life declarations XX/XX/2020 Page Transparency mailing address and XX/XX/XXXX Fastest growing occupations federal government credits agencies in the United States of America XXXX XXXX and ages of individuals XXXX down payments XXXX XXXX XXXX XXXX XXXX ; following up on The American Policy holders association XXXX XXXX XXXX producer Update claims case files XXXX owner 's payment tools matching wallets XXXX XXXX XXXX And wife XXXX XXXX real Human services call in numbers XXXX and XXXX garage parking lot declarations Act of Sale Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX change mailing address to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX matching Voters voters Registry sealed permanent XXXX medical necessary services Post and Annual coverage premium XXXX down rates letters enrollments ending Listing courtesy of XX/XX/XXXX / XXXX XXXXXX/XX/XXXX Last checked : 3 minutes ago Last updated XX/XX/2020 Source : XX/XX/XXXXXXXX XXXX XXXX Report a problem verify by Estately Help Credits federal Frontliners workers legal assistance accommodations now direct Clear swift filling pricing LLC premiums registrations shoppers doing business as Early Warning exampt signs XXXX XXXX Dispatch Emergencies first responders 911 Humane rescue law team XX/XX/XXXXsite total protections trusted site sales boosting overview oversight by Webmaster LA- Help Desk work for anywhere XX/XX/XXXX pin code Verify by XXXX Abuse report merchant fraud ebt food sale authorizing EBT Snap entry method swiped approved online hatch XXXX on XX/XX/2020 Invalid # XXXX approved code XXXX total UDS {$3.00} FD Balance XXXX XXXX United States XXXX XXXX XXXX secured profile 's XX/XX/XXXX XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: CA

Complaint narrative:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2020, the COVID-19 global pandemic began hitting the American economy hard. Wells Fargo decided to put it's customers on a " forbearance '' many did not ask for this. Wells Fargo did this as a public relations stunt, to make it seem as if it was helping it's customers. 

For me, I was told that they would pause my payment, and I could just make up for the payment at a later date. I was in a position to borrow money from a family member and continue my mortgage payments as normal, but Wells Fargo convinced me that they would simply pause my mortgage and that their " forbearance '' was a better option. 
In reality what they were doing was creating a new loan/debt in my name, so now i have a new loan to help pay for the loan I already have with them. I now own XXXX more than I did in XX/XX/2020. I have made 3 payments to my mortgage ( XXXX XXXX XXXX XXXX and I still owe more than I did in XXXX ... 
On top of this misleading new debt/loan, they are now telling me that I can not pay it off until I pay off my entire home mortgage. 

Wells Fargo, in an attempt to look humane, and decent in the face of an economic recession, while hard working Americans were losing their jobs and in some case losing family and friends to COVID, were manipulating their own customers into a new loan. While the economy crumbled, Wells Fargo ( the same company that created fake accounts in its customer 's names ) decided to trick people into larger debts by lying and manipulating us into believing they were just going to " pause '' our payments. 

During a crisis, the company found a new way to squeeze money out of its customers, rather than actually helping us out. In the name of doing a good thing, under the guise of helping their customers out, they created this scheme. Deceiving and manipulations might be fraudulent activity, but it is absolutely unethical and amoral behavior by a very wealthy and powerful company that continues to break the backs of average Americans.

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 2020-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XX/XX/20, {$420.00}, notified XXXX XXXX XXXX numerous times explaining this policy was never agreed upon nor did I sign any documents to start an insurance policy they said they would take care of it. The way they took care of it they sold my information to a debt collector

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a checking account with Capital One for well over 15 years. I get my Direct Deposit in this account. On many occasions I have over drafted due to my financial situation. My account was negative {$620.00}. One week before I would receive a direct deposit on XX/XX/XXXX Capital One put my account on Permanent Restriction. I never received any written notice that this would happen. None. 

I had opened a few weeks prior to this a 360 account which I had to over draft too because of my financial situation. My boiler broke and I had no money to fix it. So this account had a negative XXXX in it. When I saw the restriction on the the account that I have received my paycheck in for over 15 years, I immediately called the customer service and spoke to several different representatives who all stated that I would be able to transfer any positive funds into the new 360 account when I receive this deposit. 

On the day the direct deposit went into the account, i was positive over XXXX dollars. I call customer service and speak to several people on XX/XX/XXXX in particular a manager named XXXX -- ID # XXXX. He tells me he doesn't give out his last name. He knows my last name. 

XXXX tells me that they can not give me my money today. He tells that it will take 3 business days to go into the 360 account so that I can access my money. This in itself was unacceptable to me. He suggest I go to the branch and see if they can help me. I did and the story changed when the teller called the department that would be able to lift the restriction and give me access to my money. They refused to do this. They said that both accounts would be closed and a check would be sent out in 5 to 10 days. I am not a well person and this situation has made me very ill. They left me with no money, no food money, no money to pay any bills. My next paycheck is on XX/XX/XXXX and I have no direct deposit account because they said they were closing both accounts. This was my money. Not Capital One 's money. Over the years I have paid thousand of dollars in Overdraft fees.. They close both accounts with no written notice and refuse to give me the remainder of MY money which would be over XXXX after paying the other negative amount which I saw they already paid. I need to see a doctor soon and I have no access to my money. I will continue to make formal complaints about this issue because it is truly an unacceptable situation when a bank refuses to give you access to your own money after any fees are paid. To tell someone who needs their money today that they will get it in 10 days is not acceptable especially in these trying times. I need access to my money today XX/XX/XXXX, not in 5 to 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
I was shopping auto insurance and was told that a accident claim was on my clue report. I know this is not my claim so I asked for the consumer report company that gave them this information and they said LexisNexis reporting agency. I went online to ask for a copy of this report 45 days later they send me a letter that states that LexisNexis has conducted a search of its databases based on information provided to them and is unable to give me a copy of this report. I want a copy of this report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have two credit cards through XXXX. Around XXXX/XX/XX/XXXX one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX ( XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). Equifax and XXXX have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from Equifax is still pending. I am including all three companies : XXXX, XXXX and Equifax on this complaint.

Company response to consumer: Closed with explanation