vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had a checking account with Capital One 360. There was a deposit from SBA in the amount of {$29000.00} deposited into the account in XX/XX/XXXX for XXXX XXXX, due to covid19. In XXXX, Capital One froze that account due to " supposedly fraudulent activity ''. I called them and spoke with the representatives, mind you never speaking with an investigator at any time. I sent them the documents that they requested to show that I do have a legitimate business, with EIN for Sole Proprietor. These documents were sent on XX/XX/XXXX. I called a few days later to follow up with Capital One and was informed, again by the CSR, that the account had been closed and funds returned to the SBA by Capital One investigations. I am trying to find out why with no success. I then called to SBA to insure that the funds were indeed returned and they have no record and can not trace the funds. I am currently trying to trace the funds, along with an attorney from SBA to find out where they were sent. I am not getting any assistance from Capital One. I need this issue resolved so that I can assure I am not held accountable for funds that was improperly returned to the incorrect location and never makes it back to my loan. I have called Capital One several times and am told that I need a subpoena. I can only get a subpoena if there is a lawsuit. I do not intend to or never have I intended to file a lawsuit against Capital One. I need assistance in assuring that these funds are returned and I am not held accountable for the unused portion of the loan. 
In the interim, I am the only person held accountable for the funds from this loan. I am/was the account holder and have no way of obtaining a subpoena for records as I do not have a pending lawsuit against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I report the case to my bank and a credit was issues of the amount of {$1300.00}. Am amount was took out of my bank account through XXXX XXXX on XX/XX/2020 at XXXX with the amount of {$1300.00} from this individual $ XXXX, I try asking for my money to be sent back from that particular person but I was blocked and declined, so I report the issue to my bank which they credited my account with the amount {$1300.00} but later took the money out of my account because XXXX  and my bank can not reach an agreement after I told them I was scam or fraud. I also reach out to XXXX XXXX but they told me I should contact my bank which I did but still I was not been taking care off. And the fact is if XXXX XXXX can not provide my money because they are the third party my bank should because I report the case and they do absolutely nothing to take care of their customers.

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Instarem PTE Limited
State: TX

Complaint narrative:
I initiated transaction to convert USD to CAD via " Instarem '' subsidiary of XXXX XXXX. 
I initiated transfer on XXXX at the time of transaction expected delivery time was 4-5 Business Days. 
XXXX XXXX was added as Payee on my XXXX XXXX account and Transfer was executed on XXXX XXXX. 
Since then " Instarem '' status on the transfer is Awaiting Payment. Even after repeated follow ups status us still the same as of XXXX Every time I follow up they provide me with template answers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: TX

Complaint narrative:
I received my credit report from Experian and noticed a student loan that was placed into collections with a balance of XXXX dollars. I disputed this with the credit bureau and they were able to verify this account and suggest that I reach out to the creditor. I reached out the creditor on XX/XX/XXXX requesting what the money was owed for, how the calculated the amount I owe, and copies of any papers showing I agreed to pay what they say I owe. They have not responded in the 30 days allowed. This company is in violation of the fair debt collection practices and violation of the fair credit reporting act by not providing me this information.

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
To whom this may concern, PayPal permanently closed my account because they said that I have violated their Acceptable Use Policy, specifically the sale of unapproved file sharing services and will not help me with getting it back up and going or even do anything about it on their end to make things clear and resolved. I am not sure if this is some mistake as I assume it has to be because I do not use nor do file sharing services. I have been doing business with Paypal for months and I'm not even doing anything wrong. No business is perfect and in times of chargeback or disputes, I give the full refund to the customer and make sure all cases are closed, so nothing wrong there. I have not been able to get help from them for months but I just remembered I could file a report here as I feel they are not doing their job properly and wouldn't even care to resolve things the right and just way and it is affecting me a great deal as I used PayPal daily for a long time now. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There is an account showing on my report from XXXX XXXXXXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! I would like to have the item removed from my report.

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 2021-02-16 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: CRESCO CAPITAL INC.
State: FL

Complaint narrative:
There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CRESCO CAPITAL Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I received my credit report from the three bureaus and noticed a collection account that does not belong to me. The account is listed National Credit system for an amount of XXXX dollars. I disputed this debt with the credit bureaus and they claim to verify this debt but could not provide me the details as to how they were able to verify this debt. I also reached to the collection agency who reported this debt and requested what this debt is for, how did they determine the amount they said I owed, and to provide documentation as to where I agreed to pay such amount that is said that I owe. I requested this information from the collection company on XX/XX/XXXX and have not received a response. This company is in violation of the Fair Credit Practices Act and Fair debt Collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN THE LATTER PART OF XX/XX/2020, I DISPUTED SEVERAL DEBT COLLECTIONS WITH ALL THREE CREDIT BUREAUS AND THE RESULTS CAME BACK AS IF NO INVESTIGSATIONS WERE MADE BY XXXX XXXX OR EQUIFAX. I MANAGED TO CONTACT THE DEBT COLLECTORS XXXX, XXXX, XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX AND UNABLE TO GET A COPY OF THE INVESTIGATION MATERIAL SUBMITTED BY EACH OF THE THREE ( 3 ) COLLECTORS. I TELEPHONED ALL THREE ( 3 ) CREDIT BUREAUS AND ASKED FOR A COPY OF THE INFORMATION SUBMITTED TO THE THREE ( 3 ) COLLECTORS AND I WAS GIVEN THE RUN-A-ROUNDS. I HAVE REASONS TO BELIEVE THE THREE ( 3 ) CREDIT BUREAUS ARE LYING ABOUT SUBMITTING ANY INQUIRY TO THE DEBT COLLECTION AGENCY FOR THEIR INFORMATION. I BELIEVE THEY PLACE THE DISPUTE ASIDE FOR THIRTY ( 30 ) DAYS AND DECIDE TO LET THE DEBT THAT'S BEING DISPUTED REMAIN ON THE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I had a " soft pull '' of my credit done by a lender that I am considering for a mortgage. Upon reviewing the copy of my credit report I noted an issue noted by two of the major credit reporting agencies. The reports state that one of the " Key Factors that adversely affected my credit score '' is that there have been " Too many inquiries in last 12 months. '' Who is pulling my credit to cause this? I have not applied for credit cards, cars, etc. I am very concerned about identity theft as a result in addition to being miffed about my credit scores being affected. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: NV

Complaint narrative:
MY EXPERIAN MEMBERSHIP NUMBER IS ATTACHED AS AN ATTACHMENT. I'm also attaching an Experian dispute response from them with my exact name, address, and report number from XXXX, which proves that Experian providing false statements to the CFPB in order to close complaints quickly. 

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

THIS IS THE 3RD TIME EXPERIAN HAS USED THIS UNLAWFUL TACTIC OF SAYING I'M NOT THE ONE SUBMITTING THE COMPLAINT TO CFPB TO CIRCUMVENT THE LAWS. 

I also submitted XXXX XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. Experian used the same unlawful tactic to respond to those. They claim I am not listed on the account, which further confirms these accounts should not be on my credit profile. They need to be deleted IMMEDIATELY! 

If I'm not the correct person, and Experian allegedly doesn't have a customer by with my name, SSN and date of birth, why did they remove XXXX XXXX as I demanded since I filed a complaint on XXXX, XXXX, and XXXX? It's because I am the person whose credit profile I've been filing disputes and complaints regarding. 

All these accounts that I have declared not mine have already been deleted by XXXX  and XXXX. My credit profile on Experian is not 100 % accurate. Experian refused to follow the law after repeated attempts to demand that they do. I am going to file a lawsuit against Experian and use these CFPB complaint denials as evidence of their tactics to skirt the law. 

The following accounts need to be deleted from my credit profile IMMEDIATELY per my FTC identity theft report : XXXX XXXX XXXX ( both accounts listed ).

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 2021-02-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. JPMCB CARD XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JPMCB CARD has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OR

Complaint narrative:
Trying to bring loan current and XXXX will not accept payment.

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 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates, LLC have continuously violated my rights as a federally protected consumer. They have yet to validate that the account is mine. They are in violation of FDCPA 15 usc 1692j, FDCPA 15 usc 1692g, FDCPA 15 usc 1692f, FDCPA 15 usc 1692e, FDCPA 15 usc 1692d and probably many more if I do more research. In XXXX of XXXX they zeroed out the account and closed it but have been and still are reporting to XXXX XXXX XXXX XXXX  the it is still {$330.00} owed to the account. I also received the same letter in XXXX of XXXX. But the continue to violated my rights and ruin my reputation with an account that is reporting incorrectly nor have I received its validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: FL

Complaint narrative:
There is a mysterious foreclosure being reported to my credit report from XXXX XXXX. It is reporting a mortgage. This is not my account. I sent letters to the credit bureaus but I have not received any correspondence back. I would like to get this error removed from my credit report.

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 2021-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX I transferred {$300000.00} from my local bank, XXXX into my Capital One account. On the same day, the transfer was reversed. I called to see where the money was, as to date, XX/XX/XXXX, it has not gone back to XXXX. I have spoken to XXXX and they do not have a record of the money coming back to them and it is not in my account. Capital One shows the money coming in, and then going back out, but they do not know where the money is and are not able to trace it. I will attach the snip from my Capital One account showing the money coming in and going back out. 
I have called Capital One five times and gotten five different stories. They are telling me that it is a " known issue '' and on XX/XX/XXXX I was told that the " ACH '' department is looking into this. I was told, on one of my calls to Capital One, that the ACH department would return my call ( they have not ) and that the ACH department would post notes on my account as to what is happening ( they have not ). Today, XX/XX/XXXX, was told that I can now expect a call back from the ACH department ( again ). I called on XXXX, twice on XXXX, and spoke to two different people on XX/XX/XXXX. I also called today. I have tried to file a complaint with Capital One and was told that I would receive a call back in 21 days, and that I can not file a complaint with the office of the president unless I send a letter snail mail. I am at the end with this-not sure where to go. I am filing a complaint with the Office of the Comptroller and also with my congressman. The amount is {$300000.00}, so a lot of money and my retirement. They have lost it, I am not getting interest, and I need the money. It is rightfully my money, and the must account for it. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Promotion is misleading and predatory. Advertised as no interest or interest free for 12 months. I bought furniture in the amount of {$1800.00} in XX/XX/XXXX. Promotion expired XX/XX/XXXX. Since I did not pay off the balance. I was charged {$420.00} dollars in Interest. The interest was deferred. I was not award that the interest was deferred. It was not stated on their promotion. The company could have advice their customers that their promotion is about to end and if they want to avoid the interest charged they have the option to pay off the balance. I was not aware that it was expiring. I was making my monthly payment on time even though I was jobless due to the pandemic. To charge their customers {$420.00} for 12 months period is outrageous and predatory.

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 2021-02-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/XXXX of 2020 care credit ( through synchrony bank ) closed my credit card which had a XXXX  balance, a card that through out the years I have held balances on and always paid my minimum payments and paid it off entirely because the purpose of this card is to be kept and used for medical emergencies ( we got and kept it active for our XXXX  year old dog and if needed our cat, but our dog had XXXX issues and was aging ). At the beginning of this year I was the first affected by the pandemic I had to use my savings the first 3 months before I got through to unemployment and have been on unemployment and at home with my XXXX children through out the pandemic. I Had to rack up all of my credit cards this year during the pandemic while caring for my mom who is XXXX  e compromised with severe XXXX also affected by the pandemic. Upon racking my my credit cards this year my credit score has fallen SIGNIFICANTLY I have to wait for my taxes to pay them off. 

XX/XX/2020 care credit snd synchrony bank who I also have 2 other credit cards with CLOSED MY XXXX BALANCE ACCOUNT. Not my XXXX card, not my XXXX XXXX card both holding a balance both of which I've had for 10+ years. Synchrony closed my XXXX  balance medical credit card that is used for emergency purpises. 

Last month our dog died we had to use our rent money. That same week our cat got attacked by an animal and is still sick and we again had to use our rent money. 

I am living solely on unemployment still and going back to work soon and have racked up all my credit cards including ones through synchrony I have faithfully paid on including interest, and this company was allowed to do this during a pandemic? 


Creditors can't charge us late fees on our accounts during a pandemic but they can close our XXXX balance accounts that are in good standing especially those for emergencies? 


Please tell me you guys have thought of this. 

Synchrony bank told me that have had ZERO COMPLAINTS ABOUT THIS ISSUE. I highly doubt I am the only person they did this to during the pandemic. 


This is something you guys should look into. 

I would love my medical emergency card back but its fine, I will make it one way or another like I always have. But this doesn't seem right, at all. 

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 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. System IncXXXX, is alleging I owe {$200.00} for XXXX  XXXX account. This claim has been disputed with the original creditor and other collection companies. I.C. System has not updated any new information to properly validate this debt. 

I am requesting I.C. System Inc., to provide all information they are withholding and any contractual agreement ( s ) I promise to repay a debt. I also request this negative reporting be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CT

Complaint narrative:
There is an account showing on my report from XXXX  XXXX XXXX. : account # XXXX. It is showing as PAID IN FULL but also as a CHARGE OFF! The account was NOT VERIFIED! I would like to have the item removed from my report.

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