vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: FL

Complaint narrative:
I filed a disputed charge with CapitalOne which while we have not disputed many charges, we have been with CapOne for a very long time and they have a long history of mismanaging disputes which I think their continued failures falls very well into the scope, well, outside the scope of the Fair Credit Billing Act. 

They declined the dispute stating did not provide sufficient information but I believe their policy is first just deny all claims which I am certain most people accept that finding and it's a very effective 'strategy ' and I would hope the CFPB looks at their statistics for this! I provided very sufficient evidence as what we received was not what we were supposed to receive and what we paid for and what I provided proved that conclusively. I sent the proof of the brochure that clearly showed where the folds would be. I sent a brochure as received which clearly was different from the proof and because of it, the brochure looked 'sloppy '. I also provided another brochure showing how if the company had reviewed the brochures they would have easily caught the issue as it just required a simple re-alignment and could clearly see how much better the brochure looked when folded properly. Of course it's unrealistic to refold 5000 brochures and the company was given the option to have the brochures returned which they declined. 

Now anyone could see the issue unless their policy is just deny all claims, that is about the only explanation for this. Yes, their form requested various information that was not relevant or did not pertain to the core issue which strategy # 2 is probably to ask for so much information the customers just give up. Strategy # 3 is not have an online form and do all of this on a paper form which is another inconvenience ... 

What CapitalOne fails to realize is that some consumers like myself primarily use credit cards for the protection they are supposed to provide. I do not need credit, we do not carry balances ... so once that protection disappears, we most certainly can pay by other means. 

Case # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As of XX/XX/2019, ( this year ) I wanted to work on my credit or at least find out why I had no credit. I applied for the Annual Free Credit Report from Equifax. After answering all their questions, they displayed a notice on the screen saying I could not receive my credit report. I then called the number and talking with multiple people, verified whom I was, once again said I would have to mail my Social Security Card and Driver 's License to them to verify physically I am myself. But, after reading about their neglect and abuse and MANY BREACHES of information, I Honestly do not TRUST THEM ANYMORE with ANY OF MY INFORMATION ON FILE. And how do I know Equifax will NOT LOSE THIS INFORMATION AS WELL. I HONESTLY WISH I COULD JUST WALK IN A PHYSICAL BUILDING, present my ID, Fingerprints, and ANY OTHER FORM OF IDENTIFICATION that they may need or already have on file, but to just blindly keep giving Equifax ALL OF MY INFORMATION, POSSIBLY TO KEEP LOSING, YET, I STILL HAVE NO CREDIT REPORT MAKES NO SENSE. TONIGHT I TRIED AGAIN TO SEE MY CREDIT REPORT, AND ONCE AGAIN, DENIED. 
I have luckily been able to see my XXXX XXXX through XXXX through XXXX   XXXX, and Honestly if they had Not helped me at least with that, I would have given up on trying to fix my credit or even apply for any. 
Personally, I think Equifax is a DISGRACE to our economy.

Many hard working people are trying to fix their credit, yet the one job Equifax has ( well 2 ) # 1 KEEP OUR INFORMATION SAFE and # 2 MAKE THAT INFORMATION AVAILABLE TO THE CONSUMER UNDER FEDERAL LAW.

YET, # 1 My information was NOT KEPT SAFE and # 2 My INFORMATION may or may NOT have been given to a criminal to buy a house, a car, open credit cards and various other criminal acts, but Equifax refuses to help me to solve this issue. Instead, they want me to buy their consumer protection monitoring kit but, still will Not tell me if someone has bought a house, car, ect. IN MY NAME!!!

I Called the police about this, and they said I needed a credit report from Equifax to verify this, to press charges, but here we are again, with Equifax giving me the run around about my credit report.

I have NOT BOUGHT A HOUSE OR CAR LIKE THE QUESTIONS EQUIFAX KEEPS ASKING ME AND THEN TELLING ME, I GOT THE QUESTIONS WRONG, SO I CAN NOT GET MY REPORT. What do i do?? And if EQUIFAX JUST MADE UP THOSE QUESTIONS TO TRY TO TRICK ME INTO THINKING MY INFORMATION WAS HACKED, JUST TO SELL ME A MONITORING PACKAGE, AND IT LEAD TO ME FILING A FALSE POLICE REPORT, WORRIED ME FOR MONTHS, THEN HOW IS THIS LEGAL???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My original mortgage was bought by Freedom Mortgage Company. My mortgage with them started in XX/XX/XXXX. My original mortgage amount is {$1400.00}. I made the following payments : XXXX XXXX & XXXX, however, missed XXXX payment. In XX/XX/XXXX I made both XX/XX/XXXX and XX/XX/XXXX payments. Then I made my payments regularly in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XX/XX/XXXX. I was always charged late payment fees of XXXX $ though most of my payments were made over the phone with the Freedom Mortgage Company either on the XXXX ( due date ) of the month or earlier, however, I still was charged XXXX $ late payment fee. The Freedom Mortgage Company did not credit my payments to my account with them and kept sending me letters of no payments and the last one was on XX/XX/XXXX showing high delinquency and outstanding amount of XXXX. I communicated in writing and over the phone with Freedom Mortgage Company and sent all bank statements showing that money was received by them. They kept giving me different scenarios of no sufficient funds in my account and wrong routing & bank account numbers. They raised my mortgage from the original amount of {$1400.00} to {$1800.00} claiming that there is a shortage in my escrow account. I sent them an XXXX sheet that shows all the payments as well as all the bank statements to prove the payment. On my online dashboard with them it shows that I made all the payment, however, they still claiming I did not make the payments. On XX/XX/XXXX, they sent me a letter confirming receiving the payments till XX/XX/XXXX. I made an XXXX payment as well. However, I received a call from them today XX/XX/XXXX confirming that I am delinquent for {$10000.00} and that I did not make my payments. I did not pay XXXX and XX/XX/XXXX. I requested to differ these payments as they suggested as well as XX/XX/XXXX payment, however, I was told today that they do not differ payments. They will rewrite my mortgage and interest rate will change based on my credit score. They were reporting me to the credit bureau since XX/XX/XXXX every month for no payment. This damaged my credit score completely and dropped me below 500. I have proof of all payments, letters, screenprints of my online dashboard with them to provide you to help investigate this matter. I need all my payments to be entered into their system. As compensation, I kindly require XXXX, XXXX & XX/XX/XXXX payments to be deferred to the end of my mortgage and send a letter to the credit bureau confirming that they reported me falsely. 

Note : They had {$520.00} and were put in an unallocated fund account as they called it. They applied this amount to my {$2500.00} In XXXX to cover both XXXX & XXXX Payments. 

Now I have {$1200.00} of the unallocated fund as you will see in the XXXX statement Thank you XXXX XXXX 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 2019-10-23 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: FL

Complaint narrative:
I disputed a charge with CapitalOne and spent considerable time pulling information and sending it but I think the outcome highlight their strategy of using paper forms and the mail service versus an online form since mysteriously our package was not received ( lost in the mail ). I believe their actions should be investigated for a violation of the Fair Credit Billing Act.

The issue was very straightforward as we paid for good that were supposed to ship in 30 days and that was something like 4 or 5 months ago now ( I don't have the paperwork in front of me ). On top of that, the company essentially refused to resolve issues with the products so this dispute was very clear cut but yet obviously CapitalOne didn't want to address it probably to not make waves with XXXX whom I sure they 'earn ' huge fees from ... 

Capital One needs to realize that the only reason use credit cards is for the protection it provides, we could just as easily link to our bank account for most payments ... 

Case No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We received a notice from XXXX, XXXX XXXX XXXX, XXXX threatening to sue me for falsified debt with inflated and falsified interests, penalties and late fees on a debt they titled as Synchrony Bank without identifying the exact creditor XXXX whom the falsified and inflated erroneous debt is relating to. I also assigned this to my legal attorney whom they refused to contact after their office made several attempts to reach someone in the XXXX, XXXX and XXXX, XXXX firm. No one returned our lawyers call and this firm is attempting to damage our credit and collect on falsified information. Also, Synchrony Bank has retailiated against me because I raised a dispute with XX/XX/XXXX and XX/XX/XXXX  Credit Bureaus and shortly after I disputed the debt ; they immediately filed a law suit against me in XXXX County Magistrate Court which is also a form of discrimination because I am a XXXX XXXX XXXX   female who is also a U.S. Veteran. This firm also made false accusations stating that I am not a U.S. Veteran by reaching out to SCRA in an attempt to collect excessive monies not owed. Also, I previously notified Synchrony Bank of our status in XX/XX/XXXX regarding our daughter who was hospitalized for 34 Days including XX/XX/XXXX for a XXXX XXXX condition which was a XXXX  experience for my daughter which left my husband and I very emotionally distraught. I have made several attempts to be relived from this falsified claim and have a lawyer assigned to this case and am requesting that all communications that XXXX, XXXX, XXXX XXXX XXXX claim they have and any attempt to serve be communicated with my law firm whom they have ignored. The law firm they need to reach out to regarding this matter is XXXX XXXX XXXX, XXXX - 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 2019-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
In XXXX I was double charged for my truck payment. When I contacted Westlake financial they said they would try to money transfer it back into my account if not they would send me the double payment check via standard mail. Then 2 weeks later I reached out to them they said it didnt work. I asked to have the check resent. Then Once 8 business days had passed and I have not received the check in the mail, I called back and asked to have the check canceled and just applied to XXXX truck payment. The women told me no problem she just had to email the accounting department to have them do so. I would see it applied with 48 hours. That was Monday XX/XX/XXXX. Then on XX/XX/XXXX. ( The day my payment is due ) I received an email stating i am late on my payment. I have call numerous times asking to have it fixed and asking for a supervisor. Every time I was either told they do not have supervisors, or put on hold for hours at a time. Or just hung up on. Then today XX/XX/XXXX I called, finally was given to a floor lead person named indigo, she told me theres nothing they can do but send another email asking approval for them the send another check for the payment I was double charge. Which I could be denied for again. which will take 7-10 business days do them to start the process. but if I dont pay my payment within 8 days they are going to start charging me late fees if I dont pay it soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: TX

Complaint narrative:
i dont know who is this!!! 
I am requesting that you validate the debt below. 

Last reported XX/XX/2019 Open balance : {$540.00} Original creditor CXXXX XXXX XXXX This letter is not a refusal to pay ; however, I would like to advise your company that I am disputing your claim, I am allowed to request validation from third party collection agencies, so I am asking that your company supply me with a copy of the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect the debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company accessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor ( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9. ) Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor ( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?

If there is anything else you need to further complete our request then please reach : Thank you for your time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This complaint is against Citibank and their potential unethical practices of authorizing transactions. Basically, my credit was at it's max limit without my knowledge. In the event you hit a limit the card should decline. However, Citibank continued to allow transactions to be approved. The put the card into an over limit status. My minimum payment was supposed to be {$89.00} but they withdrew {$630.00} from my checking account as minimum payment. 

We contacted the CEO of Citibank and the matter was not only not resolved it was flat out disregarded and we were told " too bad ''. To make matters worse Citibank no longer issues paper statements to us so we never knew what the payment would have been beforehand. We are considering this unethical and fraudulent on Citibank 's part and would like it to be resolved.

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 2019-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently applied for credit twice and both times I have been denied due a public record recording on my file. I am attaching the most recent denial that states the only reason I was denied credit from XXXX was XXXX A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. 

I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. 

I have submitted a letter to Equifax in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report. This bankruptcy just recently appeared on my credit report within the last year. 

I further disagree with the risk factors Equifax is reporting on my reports : There is a bankruptcy on your credit report Lack of sufficient credit history The balance amount paid down on your open student loan accounts is too low

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I recently got a collection record on my XXXX  credit report from CCS collections saying that I own an amount of XXXX dollars to XXXX XXXX XXXX which I never do business with. It showed up on my account around XX/XX/2019 or so and the account was opened almost 4 years ago. I called equifax about this and tried to dispute it. But nothing happened over a week. this derogatory mark seriously damaged my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: WV

Complaint narrative:
Commonwealth Financial Systems LLC, recently ( between XX/XX/2019 ) added a collection account on my credit reports for the amount of {$370.00}. I was never told about this debt. Commonwealth Financial Systems LLC, never sent me anything in the mail or by phone call regarding this debt. I still dont know what its regarding as I havent received anything from them. By law, they had to give me proof of the debt I owe prior to submitting this to the credit bureaus as I have the right to resolve the debt or to dispute it. I couldnt do so as they just put it on my credit reports without any notice at all. Commonwealth Financial Systems LLC,  did not go about this process legally so therefore the debt should be removed from all of the credit bureaus. I will fight this until the end, they will not get my money. I cant even confirm if this debt is actually mine. Im told its from a healthcare facility in MD or says the credit report information. Yet Ive never been to a healthcare facility in MD. I dont even live in MD and I never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX is the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX is reporting a collection on my credit report that has been paid in full. XXXX XXXX XXXX  is the original creditor.

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 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX I noticed that the Thomas agency, a debt collection agency had reported collection to all three credit bureaus I immediately called the Thomas agency to find out information on what debt this would be. They said it was for a hospital bill under a name that was not mine but with the same last name. I stated that they must be an error because there was no one in my family with that name. The dance threatened me saying that it was my responsibility prove that this was not me. I then called the hospital and found out that they had made a clerical error and charged me and hired the Thomas agency to collect the debt for me under my social security number. Not only did this cost me great distress, but has put a scar on what was a perfect record over the last 7 years with no scars on my credit from any three of the bureaus. did damage has already been done, and I do not see it changing even though they assured me that it would. I asked him how they supposedly contacted me they said that they sent a letter to a town and the dress that I have never lived at and was returned. They failed and using due diligence in confirming that this was me and attached all this incorrect information to my social security number and my phone number. There are no documents to provide as I was never provided with any document by the thomas agency. All of this is recorded by the Thomas agency as stated by the verbal disclaimer when talking on the phone with them.

Company response to consumer: Untimely response