vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I acquired this Capital One credit card in XXXX. Eager to sign up with their web payment service, their website arbitrarily introduced an interface from Credit Wise, a credit reporting vendor they have teamed up with, that I unknowingly signed up with thinking I signed up with Capital One in part due to their logo appearing on the Credit Wise site. 
Unfortunately, they were NOT the same company and as a result of signing up with XXXX XXXX, the ability to sign up with the actual Capital One website was curtailed in cyberspace. So much so that I had to get a level 2 supervisor on the Capital One tech support to resolve my inability to sign up with them. She did and walked me through deleting my new XXXX XXXX account and told me to wait for XXXX XXXX to purge my data. This purge would take 10 days after which, she, XXXX from XXXX, would call me and we would set up my true Capital One account. She called and we did. 
Unfortunately, at the time during this ordeal, I was stuck in the ski ranges of Colorado prior to XXXX calling me and could neither make a payment via the web nor call their phone from any of my or my associates cell phones as we were in a cabin on vacation skiing in Colorado thousands of feet above cell service. All we could do was text. Upon my return, XXXX called and the account went through and I made my 1st payment thinking all was well. It wasn't. Capital One dinged me for a 30 day late payment. No other card has done that as all of my accounts are exceptional having been opened in or around the same months. ( see attached ) As a banking professional, I take great pride on having an excellent score and am accountable for my choices. Yet in lieu of the absolute mess up this ridiculous company has foisted upon many of its 's customers, I will not sit idly by and allow this mark to remain! 
Capital One need to remove this immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH TRANSUNION. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH FIN RECOVERY. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.

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 2021-05-19 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: TX

Complaint narrative:
I disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section XXXX a ) ( XXXX ) ( B ) ( ii XXXX, you are required to notify me of the reinsertion in writing XXXX business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's XXXX and the BBB. Please govern yourself accordingly

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
Simple, a bank that had been merged into BBVA but run as its own company was ultimately folded into BBVA on XX/XX/2021. Simple was a no-fee bank. BBVA is a traditional bank, i.e. full of fees. While they did disclose their fee schedule, " services '' such as overdrafts and paper-billing ( separately charged ) were opt-OUT and applied immediately, regardless of the customer 's ability to access their account ( which many were not ). These services can also NOT be opted-out of via the mobile app, further limiting user 's ability to avoid fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CA

Complaint narrative:
In late XXXX of XXXX I flew into XXXX for a 3 month job. I rented a car upon arrival since I did not have any other transportation. The next day I returned the first car and was charged {$48.00} dollars for it. I then rented a new car under a company contract that same day. I was charged monthly and returned the car on XX/XX/XXXX. After much back and forth I was at last given the final invoice of that car on XX/XX/XXXX and saw it was {$2000.00}. I felt like I was charged more than this so I added up all the charges on my bank statement and realized I was over charged by {$640.00} which was the exact amount of one charge posted to my account on XX/XX/XXXX. I reached put to the XXXX agent assigned to my company and after explaining the issue and being ignored I went to my bank on XX/XX/XXXX and disputed the charge through them. On XX/XX/XXXX they wrote back to me saying the issue was an errant extra month rental that somehow was created. They settled the dispute and awarded me {$560.00}. 

I moved on with my life, took another out of state job, and now that I'm back home I see I have multiple bills from XXXX dated XX/XX/XXXX billing me for the {$560.00} I was awarded and now they say it has moved to a collection agency on XX/XX/XXXX and there is nothing they can do about it now. They are claiming that their records indicate their car was returned on XX/XX/XXXX which is quite impossible. The job I was working on was all about covid safety and required the whole crew to sequester in a hotel for three months. 

I spoke with my bank and they say that when they contacted XXXX about the dispute they never tried to fight the bank on it. I do NOT think this is right and am trying every means to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AL

Complaint narrative:
I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company XXXX XXXX would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at XXXX XXXX XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AL

Complaint narrative:
I initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my Experian account that the account for the company XXXX XXXX would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at XXXX XXXX XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
This is an old credit card debt that was sold to this Company. The amount owed is wrong. The date it was taken out is wrong. No one informed me it was going back on my report after tbe original creditor was removed from..my reports. This account is closed yet this co..is reporting it to be an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MO

Complaint narrative:
This Consumer Credit Reporting Agency received a letters from me demanding them to remove a bankruptcy and other accounts related to that bankruptcy from consumer credit report. In the letters I advised them that they are violating 15 usc 1681 by not respecting my right to privacy and also violating 15 usc 1681b by reporting those item with out having the written instructions of the consumer to whom it relates. They did a " investigation '' and updated the files on my consumer credit report. In the conclusion of that " investigation '' I did not receive any paperwork from the credit reporting agency to prove that they did a accurate investigation ( 15 usc 1681g ( a ) ( 1 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I received an alert from XXXX  Credit Bureau of a collection from the following company : Lockhart , Morris & Mont XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX I never received anything in the mail regarding a debt for XXXX  XXXX. I made several attempts to contact XXXX  XXXX and in one occasion, I was told by a lady in the name of XXXX the debt was for back in XX/XX/XXXX of XXXX. This is almost 10 years ago. I explained to her that I never received a statement I that I had moved 3 times within the past 10 years. She could not give me much information as it wasnt available. I requested to speak to a supervisor at their Financial Services department and was transferred to a XXXX XXXX. I left 2 voicemail messages for her and as of today, I never received a callback to address this concern. 

I disputed this collection with XXXX  and they verified that the collection agency verified as being accurate. My concern is that this is past the Statue of Limitations which I believe is 5 yrs and this collection is just now appearing on my credit. I need help with this matter. I need this collection agency to remove me as soon as possible. 



I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2021 between XXXX I went in to Bank Of America to deposit my unemployment check of {$2200.00}. I told the teller ( XXXX  ) who was there to cover a shift that day from a different branch. She was having multiple errors and confusion. I told ( XXXX  ) to deposit {$2000.00} to my savings and get the rest back of {$250.00}. She was having difficulties, and was taking long. I told her never mind just give me back my check and Ill deposit it outside the ATM she replied and said no I got this denied my request. She made me sign a paper and I didnt have my glasses so I couldnt really read what it said and she did not explain. Teller XXXX XXXX XXXX made a transfer from my savings to checking of {$200.00} which I did not request or approve. She transferred back {$200.00} from checking to savings. Finally she only gave me back {$250.00} from my check. I later on noticed that I only had a deposit back of {$1000.00} from my unemployment check and the other {$1000.00} was missing. I went back and spoke to branch manager. We went over transactions and she told me it says I got back {$1200.00} but I did not. I only got {$250.00}. I told her I want to file a new claim. I called number behind card. Spoke to 7 claims people and no one helped. They all gave me different answers and had me going back and forth to branch manager who also kept telling me to call claims department and claims department. I requested camera footage of that day and get over with and have proof of not receiving {$1000.00}. Claims department kept telling me to go talk to branch manager for her to request the footage. Branch manager had no clue why to do. This has been causing me so much emotion distress, Im XXXX  my XXXX XXXXl and XXXX has been very high. I Finally requested to speak to claims manager and request surveillance of that day. Claims manager denied and asked the only way for manager to obtain footage is from a police report or take it to small claims. I received a letter from Bank of America and they did not resolve my request.

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 2021-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
While checking my credit report, I noticed a collection from Sequium Asset Solutions in the amount of {$160.00}. I was never informed in writing about owing this debt. It just suddenly appeared on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
I applied for a mortgage refinance with Amerisave online a loan officer called several times stating he had me approved a we should move forward He sent me declarations to sign and I did online after submitting the documents he said my house needed to be appraised and it would be {$520.00} I told him I did not want to pay XXXX up front but he say he could get that waved or include it in the closing. After a week or so he contacted me again and said that I had to pay the {$520.00} up front so I forwarded the money to the loan officer Mr. XXXX XXXX and the house was appraised and he said now XXXX need to call my insurance company XXXX and have my policy changed to Amerisave and I did a now still have the document with Amerisave name as the lender.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19 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: NY

Complaint narrative:
I HAVE ATTEMPTED TO RECTIFY THE ISSUE WITH EXPERIAN. THEY ARE CURRENTLY REPORTING FALSE, INACCURATE, AND UNVERIFIABLE INFORMATION REGARDING A NEGATIVE ACCOUNT WITH XXXX XXXX. AS A MATTER OF FACT, XXXX  AND XXXX WAS ABLE TO GET THE ACCOUNT REMOVED. I HAVE ATTEMPTED TO RESOLVE THIS ISSUE WITH THEM ON MORE THAN SEVERAL OCCASIONS, AND NO ACTION HAS TAKEN PLACE REGARDING THIS MATTER AND IT IS VERY CONCERNING TO ME. PLEASE HELP ME RESOLVE THIS MATTER IMMEDIATELY, I GREATLY APPRECIATE IT.

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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is the second time I have sent out a complaint about this account that I have already paid off. This account needs to be removed and deleted from my credit report due to the debt being paid in full, the following account is listed below : CAPITAL ONE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I entered a consumer credit transaction with synchrony bank and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which they claim that an alleged debt is now owed, the interest was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that synchrony bank claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX synchrony bank has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 2021-05-19 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: NY

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I received a {$20000.00} deposit from XXXX XXXX for the XXXX XXXX XXXX. On XX/XX/XXXX I went inside the branch to withdraw {$10000.00} the teller discriminated and initiated a fraud alert on my account by contacting the back end office. 

I was told at that time in order for me to receive my funds I would have to email the fraud dept. a copy of my article of incorporation and taxes. On XX/XX/XXXX I provided by email a copy of my office lease, current business phone bill, merchant account billing statement, XXXX & XXXX tax returns, a purchase order statement, and checks cashed by Capital One on my behalf from the business because I write myself checks every week. 

All my accounts were restricted and I was not allowed to withdraw any funds which was totally illegal, at that time Capital One could have exercised their at will ability to close the other accounts but should have NEVER not allowed me access to the other accounts. 

I was told that someone would investigate the documents and get back to me. On XX/XX/XXXX I called to follow up and have being done so ever since by calling and stopping into the branch and no one has been able to assist me. The teller says they can not verify my documents or touch my account because the case has been assigned to an investigator who clearly isn't doing much investigating. 

On XX/XX/XXXX Capital One accepted the 2nd draw of my XXXX loan although they have informed me several times that the account was closed. They should have rejected the deposit, but instead they accepted the deposit and still has me restricted to access my funds. 

Everything that Capital One is doing is illegal. I am legitimate business owner and I get that there are people taking advantage of this loan but there should be measure put in place to investigate and release the funds to consumers and business owners like myself who pay taxes and deserve this relief!

Company response to consumer: Closed with non-monetary relief