vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
XX/XX/XXXX I received a letter from I.C. Systems regarding an account with XXXX. I did not open an account. On this date, I spoke with XXXX XXXX and XXXX with I.C. Systems regarding account # XXXX and I.C. Systems ( I.C. reference # : XXXX, phone # : XXXX ) did share it was services for location at XXXX XXXX XXXX in XXXX XXXX, NV between XXXX, XXXX to XXXX, XXXX. I do not live in XXXX XXXX, NV nor do I have any family members that live there. We indicated to XXXX that this fraudulent and not my account. She then indicated to go onto XXXX and submit fraudulent submission, which I did. The amount due on the account that was opened is {$760.00}. I also filed a police report with my local police department and filed with FBI 's website. Today, XX/XX/XXXX, I am filing this report with the FTC. I.C. Systems continues to report the collection item as a new account and it having a negative effect my credit profile.

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 2021-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
Kohls/Cap One is reporting me late for XX/XX/20 and I would like it removed. Due to the unforseen events with the Covid 19 pandemic I had an extremely hard time when things began to unfold. My employer ended up losing a lot of work therefore my hours were cut. I am usually very diligent about paying my dues, but this was a difficult time. I ask that Kohls make a goodwill adjustment to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
XXXX XXXX : Stearns Lending , LLC. XXXX XXXX XXXX XXXX  XXXX, VA XXXX Stearns lending took over service of mortgage XX/XX/XXXX. As you XX/XX/XXXX transferred service, effective XXXX XXXX to XXXX XXXX  XXXX dba XXXX XXXX. Notification was received by mail on XX/XX/XXXX, which is 6 days in advance of change. I was not provided 15-day notification under the law. Additionally, no notification or documentation has been received by XXXX XXXX  XXXX XXXX XXXX XXXX as to the terms of the mortgage under their management.

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 2021-06-25 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft SUNCOAST CU Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TN

Complaint narrative:
Beginning XX/XX/2021, I received an email regarding my Discover card account that it was suspended from use, pending verification of some kind of tax records for the IRS. 

I submitted the required forms, then called Discover customer service or two different occasions on XX/XX/2021 to get an explanation of why my account was suspended. 

I have paid off my account monthly without hardly ever carrying a balance and have used it responsibly. 

If they wanted to verify my current income, I could have easily provided pay stubs from my employer, but instead they have not given me a reason as to why this sudden verification must take place, and the explanation was that it was a random automated verification. 

However, I noticed I was singled out after a request for a credit limit increase, which they provided instantly online with their system online, as well as approving an additional card to use. 

Both times I spoke to the accounts verification team I was terminated from the calls. I was upset and told them I may want to just close the accounts due to this inconvenience, and they I was abruptly hung up on, and no return call was attempted. 

I have also messaged them through their app with resolution, and they told that I was informed my account would be suspended for 5-7 days verbally, but never was informed verbally of this action, only by email after the account was already suspended. 

Pursuant to local state and federal laws, I believe I am singled out for discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I request that your offices provide me with competent evidence that I have any legal obligation to pay these alleged debts. 
Please Be advised this is not a refusal to pay, but a notice that these claims are disputed and VALIDATION is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 



1. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 2. XXXX XXXX XXXX XXXX Unsecured loan with account # XXXX 3. XXXX XXXX XXXX XXXX Credit Card with account # XXXX 4. XXXX Credit Card with account # XXXX 5. XXXX Credit Card with account # XXXX 6. XXXX XXXX XXXX  XXXX Auto Loan with account # XXXX 7. XXXX Charge Card with account # XXXX 8. XXXX XXXX XXXX - with account # XXXX 9. XXXX / XXXX  XXXX  with account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have been working on this issue for over a month now. I was on a forbearance due to Covid from XX/XX/XXXX to XX/XX/XXXX. I opted to stop the forbearance and pay the past due payment in full. The bank was requesting {$30000.00} to bring the account current for the XX/XX/XXXX payment which need to be paid by XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid LoanDepot a total of {$30000.00}. That's {$26.00} more than what was requested. After many hours over the past 30 days in trying to find out why the bank still considers me a month past due I was informed by a rep on this past Monday that LoanDepot double applied monies to the escrow account and now refuses to move those monies that were misapplied to the escrow account to the payment side to bring the account current. Their action will be reported as a late on my part to the credit bureau when the only reason for me still owing them money is due to their misapplication of my monies. How is a banks error my fault. They want another {$2000.00} from me in addition to {$1300.00} they are holding in suspense to bring my account current whey they have all the monies from in their possession to bring the account current. Collections has called and harassed me every 2-3 days over the past month. Customer services sees the error made by LoanDepot but claims a manager refuses to release the funds from the escrow account to remedy the error they have made. An error, if not made, would mean the account is completely current. I have provided bank statements, account registers, and an excel spreadsheet as evidence I have paid every penny I owed in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 Saturday I was charged fraudulently for {$39.00} by a gym I am not a member of. I immediately contacted US Bank and told them about the charge and they said they couldnt do anything because it was pending. I requested a call back on Monday to fix things to which they agreed. I never heard anything and after about a week I contacted US Bank again this time the charge was reversed. They informed me I was being sent paperwork to certify the charge wad fraudulent. I returned the paperwork and everything seemed ok. But today they have removed {$39.00} from my account. This time it appears to be US bank taking the money out. They have not contacted me with any explanation for the debit. 

This has been such an inconvenience and I just cant understand why they are taking my

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Regions fraudulently accessed several XXXX fees on my checking as a result of a debit transaction that come through on Wednesday XX/XX/21 at approximately XXXX. It put my account in the negative {$12.00} on the same day I transferred XXXX bucks to put my account back in the black. I had XXXX XXXXavailable. After making the transfer I screenshot my account online as proof that I had indeed transferred enough. The following day Regions charges me XXXX dollars. I called and spoke to a Supervisor named XXXX who says I didnt transfer enough and he didnt know why Regions mobile app didnt show the correct amount. I told them they were participating in illegal resequencing and that I was filing a 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 explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: TX

Complaint narrative:
I was contacted by AlliedInterstate about an unpaid bill. The total amount due was {$220.00}. AlliedInterstate offered a settlement in full for the amount of {$67.00}. I paid this amount via my debit card and it was applied to my account on XX/XX/2021. Later I received my settlement in full letter dated XX/XX/2021 from AlliedInterstate stating the debt was settled and they would notify their client. I am attaching a copy of this arrangement. 

Apparently, Allied Interstate did not do as required, and notify the original creditor that they debt was settled in full. They only reported a {$67.00} payment towards the balance, not a legal settlement that was agreed to. So now, the original creditor has sent this same account out to two other collection agencies to try to collect the remaining balance, when the account has already been legally resolved months ago. 

A collection agency named XXXX XXXX is reporting it now, and another named XXXX XXXX also has their hands on it. It is highly illegal for all of these parties to continue to do harm to my credit for an account that was resolved months ago.

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I sent money to XXXX XXXX and XXXX XXXX who I met on XXXX through wire transfers through wells fargo it spanned from XXXX to XXXX it was over XXXX dollars it was 12 different times the money was deposited into a wells fargo account and nothing was red flagged it to all of my savings and I have 3 different loans now for five years I need help. The bank has the information but won't help.

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 2021-06-25 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: TX

Complaint narrative:
Ive disputed several times to XXXX, Equifax, and XXXX about XXXX XXXX.Ive sent the errors reporting across all three.Payment history on Equifax section is reporting 120 days late and XXXX is nothing reported, XXXX shows co.Equifax is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am having trouble since XX/XX/2020 getting my overpayment on my account refunded to me. I have been in touch with them 12 times and each time they state that the check was mailed so they would put a stop payment on the account and reissue. To date I have not received anything. The amount is {$230.00} and I do not believe they EVER sent checks ... how can 12 checks disappear. My new case # XXXX. The bank is Barclays Bank Delaware. I would appreciate anything you could do for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I TERMINATED TWO USAA SECURED CREDIT CARDS NEARLY 60 DAYS AGO I'VE BEEN GIVEN THE 'RUN-AROUND '' BY USAA REGARDING THE RETURN OF TWO SECURED XXXX 'S THAT SHOULD HAVE BEEN RETURNED TO ME WEEKS AGO I HAVE SAVED ONLINE CHAT ON THREE DIFFERENT OCCASIONS PROMISING THE RETURN OF SAID FUNDS FOR THE LAST SEVERAL WEEKS NOT RIGHT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TX

Complaint narrative:
XXXX Visa card said that I was 30 days late and STILL late on a payment. I have showed proof of payments etc., and Experian will not help. They do an investigation and I get an email 4 hours later that the investigation is complete.. I highly doubt that. There is no infrastructure to XXXX Visa, so trying to talk to customer service is speaking in a foreign language. Experian does absolutely nothing to help and XXXX Visa will XXXX up your credit. I lost my job due to the pandemic, yet I still paid. Thats more than I can say for what most people did to take advantage of the situation.

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 2021-06-25 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: NV

Complaint narrative:
There are accounts on my credit report that I do not recognize or do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
On XX/XX/2021 My Pay Pal account was charged for {$89.00} from a company named XXXX XXXX XXXX XXXX. I called and complained and they denied my claim due to the fact that they said I had agreed to the charge and that is not true. 
I am XXXX and a veteran having served overseas for our country and my wife passed in XXXX and this bothers me so much. I got a denial with the address where I could make a final appeal and I did so. They never even answered me. So I called the credit card company for Pay Pal and cancelled my account and cut up the card. 
There was an email that said " download or cancel '' and I clicked on cancel. I didn't even know what they were selling. This is elderly abuse and I will tell you that Pay Pal is paying anyone that says they have money coming because there was no checkout to a point about paying or anything. I am on Social Security and cannotr afford this bill. The credit card company Syncrony told me I should pay it to keep myself out of collection while I was waiting so I did. 
Please help me with this as I am feeling totally used.

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: AL

Complaint narrative:
Notified Experian on XX/XX/XXXX by phone that two positive tradelines present on XXXX and XXXX were missing from my report. CS agent was able to locate the tradelines elsewhere and entered a ticket into the system to move the tradelines to my report which I was told would happen in less than a week This has not happened. Subsequent calls to CS have been unfruitful and they blame the missing data on the furnisher not reporting it. Yet I know it is there because the original CS agent found the lost data

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 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
The company did not send validation of the debt in writing within 30 days of initial contact The company did not have permission to contact me. 
The company did not satisfy my request to validate the debt as the following were not provided : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Commission for debt collector if collection efforts are successful.

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 2021-06-25 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: UT

Complaint narrative:
Recently I applied for a new credit card from Capital One. The Card 's Landing page stated that if I was not approved for the card I had sekected, I would see a list of cards that I would be considered for. 
My application was declined, and no other cards were offered to me. 
I also recently received a letter from Capital One with the reasons for denial : 1. Too many recent inquiries. 
How many inquiries is too many? There is no language on the bank 's website informing me of how many they consider to be too many, so that I can avoid an unnecessary hard inquiry. 

2. Too many new revolving accounts : Once again, there is no information on the website informing me of how many new accounts are considered too many. It would have been nice to know the exact number, so that I could've avoided a hard inquiry. 


3. Too many new revolving accounts : Once again : how many accounts are considered too many? 

3. Too many recent credit inquiries : Yet again : how many is too many? 
What is the difference between this denial reason, and the first one? 

I have shown a 100 % on-time payment history while I was a Capital One customer, both with them, and with all of my other credit obligations. 
I have no nogative credit marks on my credit file. 
There is no pre-qualification opportunity on the site. I have to simply have blind faith that I will be approved, so that I do not waste not one, not two, but three hard inquiries,

Company response to consumer: Closed with explanation