vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-10-17 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: GA

Complaint narrative:
I submitted a method of verification to the credit reporting agencies about 3 months ago regarding inaccurate and false reporting of some accounts on my consumer report regarding bankruptcies. I wrote the court and they stated they do not report information to third party companies. These reporting agencies are stating false incorrect information and I even wrote to XXXX XXXX and they also stated they have nothing on file under my name. I demand these accounts be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TX

Complaint narrative:
Capital one is double billing me for something that XXXX decided to give as a courtesy for lying about the hotel room received when booking online. The hotel advertised one image and put me in a complete different room. 

XXXX gave a {$91.00} credit and for some reason CAPITAL ONE has removed that charge from my account. 

See attached screenshot from better business bureau complaint where it shows the XXXX office of XXXX sent the credit to my account. 

This credit had nothing to do with dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
my XXXX  had contract with XXXX XXXX  company. i cancel contract with then in XX/XX/XXXX, i received a letter from company in XX/XX/XXXX that i owe then XXXX because they over paid, i called XXXX and asked them i need a date so i can verify with my bank if i received any over payment i will send a check, they didi not send me any information .after few month i received a letter from caine & weiner colection agency agent name was XXXX  i called her and asked her same thing i need exact amount and date so i can verify with my bank. thursday she sent me XXXX XXXX statement i called her and asked her i need date and exact amount so i can verify with my bank she had no idea. she hang phone on me and threat me. cain & weiner send me a letter without getting any evidence from XXXX over payment information try to collect money from me i been telling XXXX AND CAIN & WEINER i have no issue to pay XXXX any over payment made to my company but they are unable to provide me any evidence of over payment made to my company. i told them i will not pay untill they provide me date and exact amount XXXX deposited in my bank. i am surprised they try to collect money from me with out any information from from XXXX and evidence when i asked her she had no idea and unable to answer my question

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar Mortgage Holdings, Inc ( dba Mr Cooper ) purchased my Mortgage from XXXX  XXXX XXXX. 

During the pandemic, I took the option of a loan forbearance offered by 'Mr Cooper '. 

9 days prior to the end of the Forbearance period, they instructed another company - 'XXXX  XXXX XXXX XXXX XXXX - to enter on to my property, drill holes into my house and attached a lock box to prevent my access. 

I instructed Mr Cooper for my payments to resume on completion of the forbearance period, but they have ignored those repeated instructions. 

I have been in constant contact through their XXXX XXXX XXXX ( @ XXXX ) requesting to resume payment following the Forbearance. They stopped responding some time back. 

I've also tried through the secure massage system on the website, and also to each of XXXX, XXXX, and XXXX via emails to confirm the resumption of my monthly payments. 

I have also repeatedly requested Mr Cooper and XXXX XXXX XXXX to to remove the lockbox and repair the damage from the drilling. Mr Cooper says that's the responsibility of XXXX XXXX XXXX, and XXXX XXXX XXXX are saying they're just doing as ordered by Mr Cooper. 

I have the dated letters from XXXX XXXX XXXX and screenshots from the Mr Cooper portal for the Forbearance periods where they send people to lock up my house during that agreed period. 

I'm still waiting to resume my repayments as Mr Cooper won't respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Trans Union in XX/XX/XXXX and XXXX of XXXX with regards to my account with XXXX XXXX. Trans Union is reporting on time payment in XX/XX/XXXX and 90 day late in XXXX of XXXX. How is it possible to go from on time to 90 day late in less than 30 days?

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
i have been trying to help my wife get in to her bank account where see gets a ssa payment this all started on XX/XX/2021 and we have done everything they have asked for to do and still noting, my wife went all out and gave me power of attorney so we sent all that in like they asked us to do and we get nothing in return

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
My fianc and I used my venom for several months both collecting our unemployment. Venmo one day out of nowhere permanently deactivated my account and locked $ XXXX in the account. It has since been almost 200 days and they refuse to release our funds. My fianc was willing to prove it was him and I both using the account but they are not giving in and will not release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: NJ

Complaint narrative:
I HAD AN IDENTITY THEFT WITH MY DOCUMENTS THEY OPENED AN ACCOUNT WITH ACIMA CREDIT A COMPANY THAT IN A PERSONAL WAY I NEVER DID BUSINESS WITH THEM THEY USED AN ADDRESS IN NEW YORK CHECK MY CREDIT REPORT AND THEY HAVE INFORMATION HERE, {$1200.00} # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
Last year in 2020 I tried contacting my student loans to get student loan forgiveness and they said I qualified but its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One closed my credit card account which cant be done. I am the entitlement holder over the account and securities and financial assets Capital One has in the possession. I demand my account be open and unrestricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 2 complaints that I am filing on equifax one 1.2 Incomplete family support account, does not contain the county that reported it, it is missing information such as the date of delinquency, and it is duplicated on my report fraudulently increasing my debt to income ratio with both accounts ending in XXXX, this should not have been duplicated, they are also inputting fraudulent dates on them re aging both accounts to make it seem like it is two different accounts, I have submitted proof, account this is considered fraud. 2nd complaint, the statute of limitations according to the fcra has ran out to report on this it has antedated 7 yrs, the fcra places a specific time limit on when they can report delinquent accounts starting with the first day of delinquency, both items are stating family support division, both items are stating the account number is XXXX it is the same account. I have submitted proof of the original date of delinquency since they have XXXX and XXXX being the dates of delinquency. The original date of delinquency is XX/XX/XXXX which they have been reporting this account XXXX for 8 yrs now, 1 yr over the statute of limitations since the first date of delinquency, by fcra it is to be treated like a regular account such as a bank, loan, or credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: CA

Complaint narrative:
Experian is reporting for the account XXXX XXXX with a closed date of XX/XX/2019 and an open date of XX/XX/2019. Closed date and open date can not be the same date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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 — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
my name is XXXX XXXX. I am who I say I am and no third party is involved in this complaint. 

it has came to my attention that Genesis FS Card Services, who I entered into a consumer credit transaction with to obtain their XXXX XXXX XXXX, that is issued by XXXX XXXX  XXXX has been benefiting from unauthorized use of my credit card by charging me every month so that I receive no benefit as stated under 15 USC 1602 ( p ). I am also now fully aware that I am the consumer and original creditor to this transaction in which a finance charge was involved. A finance charge is defined as the sum of all charges in any credit transaction that can not be paid in a comparable cash transaction pursuant to 15 USC 1605, But Genesis FS Card Services has repeatedly taken cash transactions from me. It has also come to my attention that my credit card with this company has not been balancing out every month as it should since this is in fact an Open Ended Consumer Credit Plan pursuant to 15 USC 1637. I am aware that Genesis FS Card Services is not only civilly liable to me under 15 USC 1640 for damages, but also criminally liable for willfully and knowingly giving me false and inaccurate information and can be fined not more than {$5000.00} or imprisoned not more than one year, or both.

I will promptly begin litigation against this company if an equitable resolution can not be reached through CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: CA

Complaint narrative:
To whom it XXXX concern, My finance company Flagship Credit Acceptance is using an illegal forwarding company that is based out of XXXX and has no business license in the state of california to operate. XXXX XXXX is the company and XXXX is the owner. 

My car was repossessed in XX/XX/XXXX by XXXX XXXX and XXXX XXXX, they both came into my underground parking illegally and lied about where they picked my vehicle up from. To this day XXXX is still operating out of California illegally. I received a settlement from XXXX XXXX and XXXX XXXX, I wanted to make the CFPB aware of this and the practices of Flagship Credit Acceptance and XXXX XXXX along with their partnership. 

XXXX from XXXX XXXX showed up XXXX on XX/XX/XXXX just before covid. He took pictures and i asked " am I going to get visit from Flagship concerning my vehicle, XXXX assured me I would not. This was the 2nd time XXXX XXXX has come to my place and made contact before or after the CFPB time frame. 

I received a phone call on XX/XX/XXXX at XXXX From Flagship and I am in the state of California and this is the 2nd time this has happened with Flagship. The last time Flagship blocked me from making any contact with them please insure they do not do this again when they are investigating.

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 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Has re-dated a debt from XXXX to make it appear as if I acquired the debt in XXXX. I did not live in XXXX on XXXX the XXXX, XXXX, and could not have incurred an obligation to the cities water services. See pages 41 and 42 of attachment I submitted a complaint with XXXX via XXXX XXXX, but nothing was fixed or removed. 

My understanding is changing the date on debt is illegal. 

Thank you for your assistance! 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion keeps reporting an old child support XXXX XXXX account past the statute of limitations set by the Fair Credit Reporting Act. The Fcra has set specific time limits on how long they can report a delinquent account, the creditor is intentionally putting false dated of delinquency on my credit report to re-age the debt, and they have not reported the correct history on this account, this account was to fall off last year, but they are re aging the late payments on this account, and not reporting the first date of delinquency, being that the credit bureaus have to treat this like a regular credit account, I have submitted the full history and first date of delinquency on this account, the fcra states specifically to the credit bureaus to remove this account if it antedates 7 yrs, this is 1 yr over the statutes. And they are still reporting an that they sent documented proof that they said was deleted from my report completely.. I still she the letter.

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 2021-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
I received a letter from this collection company Contract Callers, who illegally accessed my credit report prior to this letter. The amount in question is due to effects of the pandemic and the company they represent kept my security deposit. Why isnt this amount from the original company paid off? 

I have never heard from this collection company and the wording in their letter suggests my credit will be affected if I dont pay. Im still trying to recover from the pandemic and would appreciate if they do not access my credit without my consent or send threatening mail to my family members home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I already have one open complaint with TCF National Bank. Case number : XXXX. This bank just transitioned to Huntington National Bank. On Friday my son ( XXXX XXXX ) and I had a appointment to open a new checking account per TXXXX 's instructions for case listed above. At arrival every thing was fine, we opened the new account and signed all paperwork, then time to fund the account and we were informed that my existing account that my direct deposit is paid to had a hold on the money with no explanation why. We requested the following : The account had XXXX total, we wanted to withdraw XXXX and transfer XXXX to the new account. We wanted to leave the account with a XXXX balance for the fact that there is an ongoing complaint filed with the FDIC and CFPB. The representative then returned to the office with a lady whom didn't identify her self. She stated that they may not be able to continue doing business with me because I filed a complaint against TCF and now known as Huntington National. After a very tense conversation between my son and the the lady. They advised us that there is a hold on my old checking account so the withdrawal and transfer could not happen. They requested that we return on Saturday to do the withdrawal and transfer. Saturday we show up and end up sitting there for 45 minutes just to be told by the manager that I still connot have access to my money. It is unacceptable that they are holding all of my funds from me but have allowed the wrong people to take over XXXX. I have no pending transactions nor any reason for them to hold my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Dear CFPB Team : Portfolio Recovery, a debt collection company, has been calling my phone since around XX/XX/2021 ; sometimes several times a day. ( On my caller ID, they are " Portfolio Recvy. '' ) They have called me innumerable times under innumerable phone numbers. One phone number was XXXX on XX/XX/2021. The last call was today ( XX/XX/2021 ) at XXXX XXXX  from phone number XXXX. These phone call practices are a violation of the FDCPA. 

After I received approximately 20

phone calls, I looked up who they were on the internet. Then, I began blocking and deleting their phone numbers ; however, they seem to have thousands of phone numbers to call from.

I have a credit score > XXXX. I owe no unpaid debts. I have never answered the phone calls from this company, as I do not want to waste my time talking to a company when they have no legitimate business calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: NJ

Complaint narrative:
There are multiple accounts on my report I do not recognize

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 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: West Realm Shires Services Inc.
State: IL

Complaint narrative:
Access to my account was changed during an app update. I reached out to XXXX. it was very poor support. It took months to get a reply. I was asked to contact XXXX, I am still waiting for a response on my concerns. I was advised ftx has no record of my account. I have a confirmation email, support emails and bank records that support I do I have an account. I had just over XXXX XXXX XXXX coins which I also have screen shots of. 

Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter dated XX/XX/2021 from Chase to close my credit cards ending in XXXX and XXXX. The reason was I had a previous account closed and no other reasons. I've used my account for nothing but personal transactions and do not understand why a previous closure would affect my new accounts.

Company response to consumer: Closed with explanation