vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: MA

Complaint narrative:
Hello, I am submitting a complaint against an unfair practice that CapitalOne Credit card is using to close customer 's accounts without any warning due to a returned payment or two. After being a customer of CapitalOne for over 3 years and opening a Secured Credit card, and never having a late payment and generally keeping under my limit for the entire time the account was open, my account was abruptly closed without warning due to 2 returned payments that were made well before the due date and I still had time to rectify and have my bank send a payment before the actual due date. They did not contact me via email or phone to ask the reason the payments may have been returned, and allow me time to fix the issue. All they did was send an email that the account was closed on the same day that a payment was successfully received from my bank. I believe that if a consumer has an account in good standing, with no late payments should be contacted bu a phone call, email or letter warning that if this is to happen again the account could be closed and offer the customer a chance to call XXXX  and explain and fix the issue before closing out an account that is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: GA

Complaint narrative:
Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: ProCollect, Inc.
State: NC

Complaint narrative:
I have paid my balance in full to pro collect. Every time I contact them they say they arent reporting the information that equitable is. But XXXX says I need to call them! The amount is paid in full and the account is closed. Please 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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: ME

Complaint narrative:
I was the victim of 23 instances of fraudulent electronic withdrawals from my checking account between XX/XX/21 to XX/XX/21 for a total of {$11000.00}. The withdrawals said either -- Payment XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The bank account is held at Community Bank, NA in XXXX, Vermont. The bank phone number is XXXX and the address of the bank is XXXX XXXX XXXX, XXXX, VT XXXX. 

I have contacted the bank branch manager, the local police ( XXXX, Vermont ), and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I called the main telephone number for Bank of the West on XX/XX/2021 to close my 2 checking accounts. one with a balance of {$160.00} and the other checking account with a balance of {$230.00}. I updated my address over the telephone from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NE XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX The local Bank of the West branch in XXXX, Nebraska closed both accounts and mailed a single check for {$390.00} to my old address. As of today XX/XX/2021 I have not received the check. I called the local Bank of the West branch on XX/XX/2021 and they told me thet no check could be reissued until XX/XX/2021. I need these funds now for bills. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Common Wealth Mortgage Services
State: UT

Complaint narrative:
My husband and I have been trying to get a 30-day late payment removed from our credit report because it is inaccurate. When we have called, we have been told multiple times from XXXX XXXX ( our current mortgage lender ) that their systems do not show ANY 30 day late payments on our account and confirmed that the payment in question was received well before the end of the month, yet they will not cooperate in getting it removed. I have been emailing with XXXX XXXX with XXXX, the person we were told to speak with regarding the misreporting, yet zero help has been given. Multiple times XXXX has told us she would get her XXXX to send us something, we have never heard back and are left reaching out time and time again with no results. 
As our current lender, they are doing this knowing that we are not able to get into a better, lower payment loan with this reporting on our credit. They are effectively trapping us in this loan. XXXX refuses to give us anything but her verbal confirmation that they do not show ANY 30 day late payments, and tells us to dispute. The issue is that they know that we are not able to do this refinance if there is dispute language on our credit around our current mortgage. We are completely trapped and are getting zero help. Please see the most recent email thread with XXXX attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX 7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is w On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX  7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is wrong and every phone call leads to an automated system. It is reporting derogatory on my credit and I cant even try to resolve it, due to the fact that they are not getting back with me. Can you please help? I have reported this to the attorneys general office as well as the better bussines bureau. At this point, j think I may need to get an attorney. 

Thank you 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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
On or around XX/XX/2021, I received a Citibank Debit Card in the mail that I hadn't applied for and was not a replacement for any of my current credit accounts.

My husband called Citibank ( from a number he got from Citi.com ) and was transferred to the fraud dept. After speaking with them and being put on hold multiple times, he was told to call back tomorrow to speak to the Identity Theft Solutions dept ( was told they were already closed today ).

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 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC
State: MS

Complaint narrative:
I called XXXX XXXX office on XXXX and spoke to attorney handling my case and told her that I received notice from them to collect a debt for republican Finance and that I was already been garnished by my employer. She asked if I could email her the court garnishment order and receipts to prove that my employer was sending payments to republican finance and I did that to her email. On today XXXX I received a letter dated XXXX verifiying debt that I owe debt of more amount to XXXX XXXX from Lloyd McDaniel with the same enclosed documents that they asked me to send to them to prove that I was already being garnishment for the debt. Lloyd McDaniels and XXXX XXXX are using illegal debt collection practices to collect on this debt because my employer has sent payments in the amount of {$230.00} and {$230.00} to XXXX XXXX the Garnishment started on XX/XX/2020. So far I have been garnishment for {$470.00} toward this debt owing {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: LEXISNEXIS
State: MD

Complaint narrative:
I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX and XXXX to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: Convergent Resources, Inc.
State: CA

Complaint narrative:
It appears XXXX is reporting a delinquent account to the credit bureaus that was never delinquent and was PAID IN FULL and ON TIME. 

I recently received a credit alert that XXXX is reporting a delinquent account to the credit bureaus ( see attached ). 

The account was PAID IN FULL, and ON TIME back in XXXX of 2021 ( see supporting documentation ).

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 2021-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XX/XX/2021 vehicle gets repossessed at XXXX No prior notice was given, no one was able to tell us where the vehicle was taken to or let us remove our personal items from the vehicle Called SETF to find out what has happened, was told vehicle was repossessed after 84 days past due balance. 


Asked Toyota why no one had contacted readinf past due balance, was told there was a do not contact on my Account and my personal phone numbers were removed without my permission or knowledge. 

I have been making payments towards my loan, weekly {$500.00} and Toyota has only processed some of them. Claim they did not receive the remaining. 

I had to XXXX XXXX  Toyota almost {$4000.00} to get vehice back. 

This situation has caused me issues in my work day, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.

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 2021-11-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi sir, I have sent multiple letters and i am just baffled at this point that YOU cfpb do not do anything even though i have proof that the negative items on my credit report are incorrect and violated the law. I feel like there has been an unauthorized used of my credit report. I attached all the letters i have sent and never received an answer.

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 2021-11-04 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
The attached documents show WF failed to live up to the terms of the MPN for my Private Student Loans they acquired from Wachovia.

1. WF XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) WF was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. WF XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. WF erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XX/XX/XXXX ( see p. 23 - 24 ) Thus, WF improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because WF failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order 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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2021 PayPal closed my account stating that I violated their policy for some unknown reason. The customer service lady stated that they will hold my {$2000.00} for XXXX 180 days to make sure they didnt receive and charge backs and after that they will release my money to my bank account on file. So today is XX/XX/XXXX and I checked my balance and it was down to {$0.00} because they took my money on XX/XX/XXXX before the 180 day mark and that is fraud to me because that is not what I was told when they closed my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
On XX/XX/2021, this collections account was added to my credit report. I was not ever notified by ASSETCARE , LLC. This just appeared on my credit file in the amount of XXXX. The account listed is XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Assetcare LLC did not verify this debt but instead just put it on my credit report. This is clearly an abuse of collections tactics. This is not my debt. I don't have or have had any business with this company in the past or currently. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from on my credit file with all 3 major credit reporting agencies not to resurface on my credit file again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I was driving down the plaza in XXXX, FL and I approached a stop sign. A lady walked to my vehicle and told me that there is going to be a XXXX XXXX dollar gym being installed in the space behind her. And she asked if I would like to sign up. I told her yes only if I can pay as I go. On the opening day I showed up and looked around the front area of the gym. Never explored any other areas. My debit card was charged XXXX for something I never asked for. I told the manager at the desk that I did not authorize this charge and he told me that I made a committment to pay until XXXX. So I was lied to when the lady said I can pay as I go. I never went! And I am still not going ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The attached documents show XXXX failed to live up to the terms of the MPN for my Private Student Loans they acq uired from XXXX. 1. XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. 4/6 of MPN ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, 2 ) XXXX  was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order 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 2021-11-04 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: MI

Complaint narrative:
The attached documents show XXXX failed to live up to the terms of the XXXX for my Private Student Loans they acquired from XXXX. 
1. XXXX XXXX XX/XX/XXXX response to CFPB ( page 17 of doc ) explains the loans were in deferment XX/XX/XXXX- XX/XX/XXXX and as such " they did not provide statements. '' Page 14 of the attached doc ( p. XXXX of XXXX ) clearly states repayment conditions. Among these are : 1 ) I may, but am NOT required to make payments during deferment/forbearance periods, XXXX ) XXXX was to have supplied statements during the deferment period to keep me abreast of interest accrual and outstanding balances ; 2. XXXX XXXX XX/XX/XXXX states XXXX and XXXX subgroups were in a disaster forbearance that was retroactively applied from XX/XX/XXXX thru XX/XX/XXXX. Therefore no derogatory history should report period ; 3. XXXX erroneously charged off an account that had been in forbearance and/or deferment BEFORE the due date for the statement generated XXXX XX/XX/XXXX ( see p. 23 - 24 ) Thus, XXXX improperly billed and reported inaccurate payment history to the CRAs and violated terms of the MPN because XXXX failed to deliver statements during the deferment and/or forbearance period ( s ). These types of violations are consistent with the haphazard processes that led the CFPB to issue consent order XXXX.

Company response to consumer: Closed with explanation