vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I come back and send you this complaint since you referred the answer to a supposed lawyer that I do not know completely. and I demand the same as in the previous complaint. 

I am not aware of any attorney acting on my behalf. I do not know and I demand that all information be sent directly to me. 

XXXX XXXX XXXX with the Law Offices of Litigation Group Practice. 

15 USC 6809 ( 9 ) ( 9 ) Consumer The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. You are a financial institution according to 15 USC 6809 ( 3 ) ( a ) ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. You as a consumer 15 USC 6809 ( 9 ) I am the natural person, and agent of the consumer XXXX XXXX XXXX XXXX who obtained from you CAPITAL ONE a credit extension, a service that created an account and I want said account to be sent to the original Creditor, I want the funds from this account to be reimbursed to the original creditor of this account. Any digital contract that has been created with this Credit Extension and the issue of the account, card number : XXXX that rests in you is rescinded and it is required that the funds be remitted to the original creditor. As the original creditor I demand that all funds that resulted in the issuance of this account be refunded to me within 20 days. Otherwise I will be forced to file a lawsuit. I have all the relevant evidence to show that you used my credit without my consent. They are not creditor, they are the financial institution that sells financial services, they do not lend money and they have to reimburse me for all money used and obtained without my consent. 15 USC 1602 ( g ). 15 USC 1692 a ( 4 ) 15 USC 1602 ( I ) ( I ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit uis offered or extended is a natural person, and the money, property or the services that are the object of the transaction. are primarily for personal, family or household purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XXXX XXXX A friends XXXX  profile message me I thought it was really my friend. Told me about Federal Government Grant who is the Attorney name is XXXX XXXX. That he RECEIVED XXXX GRANT AND TOLD ME TO TEXT THE NUMBER XXXX, SO I DID. THEN OUR TEXT BACK AND FORT GOING ON THAT AGENT SAID I AM APPROVED AND NEED TO CHOOSE ANY AMOUNT BUT NEED TO PAY DELIVERY FEE. 
So I PICK A XXXX WITH XXXX DELIVERY FEE AND NEEDED TO BE PAID ON THAT DAY SO MONEY BE DELIVERED WITHIN 24 HOURS. I GATHERED SUM OF MONEY AND THAT AGENT WANTS ME TO DO A FUND TRANSFER TO A NAME ; XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ROUTING NUMBER XXXX WHICH I DID TRANSFER XXXX ONLY MONEY I HAVE ON THAT TIME AND AGENT TEXT XXXX BALANCE BE PAID THE NEXT MORNING. 

XXXX XXXX AGENT TEXTED ME XXXX NEEDS TO BE PAID NOW BECAUSE DELIVERY MAN WERE READY AFTER MY PAYMENT IS CONFIRMED AND WANTED ME TO SEND MONEY VIA XXXX TO ANOTHER NAME : XXXX XXXX XXXX XXXX XXXX AND I DID SEND VIA XXXX BACK XXXX THINKING ABOUT I AM RECEIVING MY FEDERAL GOVERNMENT GRANT. 
AFTER XXXX CONFIRMATION AGENT TEXTED THAT DELIVERY MAN WERE ON THEIR WAY. I WAITED AND WAITED NOBODY CAME. WHILE IM waiting, I CHECKED OUR XXXX  CONVERSATIONS OF MY FRIEND ( I THOUGHT HE REALLY WAS MY FRIEND ) ON XXXX/ XXXX  and REALIZED I NEVER HAD A CONVERSATION WITH THAT PROFILE EVER SINCE. NOW I JUST REALIZED I GOT SCAMMED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I continue to receive calls all throughout the early morning to late at night, around 30 calls a day from Midland. I continue to block the calls and they use different numbers to continue the harassments. I have written them and explained to contact me via mail only and yet the calls have continued and they refused to stop calling me leaving harrassing voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I filed a dispute, and regards to the incorrect item on my credit report, its been well over 30 days & I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I filed a dispute, and regards to the incorrect item on my credit report, its been well over 30 days & I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: NC

Complaint narrative:
I've sent Equifax and XXXX  two letters giving written instructions on to remove/delete every account, inquiry, and addresses but everything still remains. Today, XX/XX/2021, I called Equifax and was told they would not remove anything and to send, the same stuff I mailed twice, in one more time and fax. Also, I sent in a FTC Report and they claim they didn't get that either. I reminded everyone Pursuant to 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, Consumer, a natural person, never gave EQUIFAX or XXXX  any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Therefore, I want everything removed. They still would not do so but instead dispute. This is not a negotiate but a demand. I am enforcing my rights as a Federal protected Consumer. I want everything remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: Granite Edvance Corporation
State: TX

Complaint narrative:
I sent a dispute straight to Granite ( XXXX XXXX XXXX ) about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from Granite via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX  and XXXX  and 180 days late at that point with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear CFPB, I file a complaint against Bank of America last year XX/XX/2020. They had escrow my account for my home mortgage and to pay my taxes. I completed a refinance of the exiting loan with another banking company at the end of XX/XX/2020. My township where I live report that none of the taxes where paid from the escrow account, which total over {$10000.00} in escrow. I am unable to speak with an agent over the phone at the number Bank of America provided me with XXXX extension XXXX, even though I have left messages. I feel it is not right nor fair to have to pay back taxes on a loan that had an escrow account set up to pay the taxes, sewer and water. 
Thank you for your continued assistance to this matter.

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 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
This company as been collecting personal financial information about me a selling it as a part of a service they provide. I have never been informed of this collection nor have at any time given them permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The current problem I am having with American Express is that I am paying a monthly payment of {$90.00} per month for the last ( 2 ) years and I notice my balance is still the same basically. Since I have not made any purchases and the card was closed 2 years ago since I entered into a financial program in order to pay off the card. The program allowed me to pay off the balance of the card at a lower interest rate. Since the balance had not gone down recently, I decided to check my recent statements. I found that I was paying {$47.00} - {$52.00} each month in interest and there was an unexplained fee on my statements of {$40.00}, {$29.00}, {$29.00}. Between XXXX, 2021 & XXXX, 2021, I have called American Express countless times, I explain the situation which takes about 2-3 minutes, I am then transferred to another person, I re-explain my exact situation and is put on hold and transferred another time. in XXXX, 2021 I was transferred a total of 4 times. I then contacted the XXXX XXXX XXXX. Finally, I get a call from American Express today explaining to me that they can not offer me any solution to my issue because the program I was in had ended after 1 year. I spoke to a Ms. XXXX XXXX today approximately XXXX XXXX She could not explain the fees I had encountered and was rude and inconsistent & showed no compassion, I explained to her that Amex gave me the impression that I was in this program until my bill was paid in full, and why would this company set-up a program for 1 year knowing the balance would not be paid off and the interest tripled making it impossible for a XXXX  on a fixed income to ever pay off. This is an unfair and taking advantage of a customer and forcing into bankruptcy. Unsuspecting consumers are drawn into a program in an unwitting way while this company well knows in 1 year the balance can not be paid and is something that is probably in the fine writing that no one will read. Thus far I have already paid approx {$700.00} in about 6 months in interest & fees alone and wish to have this reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: UPGRADE, INC.
State: OH

Complaint narrative:
I started the process to sign up for the Upgrade card not realizing it was not a traditional credit card. I never completed the process and sent an email to their customer service asking to cancel. No response and they went ahead and sent me a card anyway, even though I never completed the process. Yesterday I called and a machine told me that the expected wait time was 63-65 minutes and asked if I would like a call back. I never got one. Tonight I have been on hold for nearly three hours and counting. About an hour and 15 minutes into my wait I spoke to a representative who told me that he would transfer me to account services and someone there would be able to help me. Im still holding, going on three hours, and still have not succeeded in canceling my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with a settlement offer for a charge off account with XXXX XXXX  from XXXX ( {$3100.00} past due ). It was sent via certified mail & gave XXXX XXXX  ample time opportunity to decline. They did not, I later sent a restrictive endorsement check for {$790.00} ( via certified mail on XX/XX/XXXX ) and reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the account with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX XXXX  agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX, XXXX  , & XXXX -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the check but did not honor the terms of the agreement. Only the payment was reported to XXXX, XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not 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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my father requested balance transfer {$3500.00} from his own Bank of America account to XXXX and XXXX. Bank of America transferred {$3500.00} from my account instead of my father 's own account. My father was my account 's authorized user but haven't received credit card since 2015. I still have my father 's unused/inactivated card since 2015. He doesn't have new card 's expiration date and security code. When he requested balance transfer, the only information he had is his own account number. I confirmed from him that he wanted to make balance transfer from his own account. 

I contacted Bank of America and opened case on XX/XX/XXXX. Bank of America freeze the account and send me another card with new credit number. 

I received alert from Bank of America apps that someone used my new card which I have never received to make a transfer thru XX/XX/XXXX. 

I contacted Bank of America again this morning about XXXX transaction. Bank of America declined this transaction and promised me that I will receive a new card. I requested the results of {$3500.00} transfer investigation. Turned out that Bank of America itself was the fraud. To maximize the profit, it make sense to use my account instead of my father 's own because I have XXXX balance and higher limit. 

I spend 5 hours on the phone with multiple department today, no one is going to refund my money after it has been transferred illegally 36 days. Bank of America even charged my {$140.00} transfer fee. Both Fraud department and Sales department refused to escalate this case, both department stated that higher level management were not available.

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 2021-07-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to XXXX in regards to the above refenced account. 


FACTUAL BACKGROUND TO THE MATTERS. 

1. XXXX neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. XXXX has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. XXXX has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. XXXX exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management. 

5. XXXX exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process. 

6. XXXX further exhibited lack of professional and respectful account management manners. 

7. XXXX negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. XXXX inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. XXXX ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. XXXX displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further XXXX actions impairing XXXX XXXX 's professional and personal status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.

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 2021-07-17 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: TX

Complaint narrative:
I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX  and transunion and 180 days late at that point with 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 2021-07-17 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:
I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with equifax and XXXX and 180 days late at that point with XXXX.

Company response to consumer: Closed with explanation