vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-27 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: CO

Complaint narrative:
In XXXX while reconciling my bank & credit card statements, I came across 3 separate charges in the month of XX/XX/XXXX on my Capital One Visa card to a merchant named XXXX XXXX which I did not recognize. I tried to find more information on my statement both written & online but there was no other information beside the vague name & it is stated as grocery store. I contacted Capital One & advised them that I did not recognize these charges & needed to get more information about the merchant, i.e. actual name ( XXXX search of a grocery store named XXXX   XXXX delivered no results ) and/or address/phone #. The rep I spoke with said they had no further information about the merchant & that a fraud investigation would be opened to further investigate. I was credited the charges pending investigation. On XX/XX/XXXX I was notified in writing by Capital One that they had concluded the investigation & that it was not shown to be of fraudulent in nature & that I would be debited the 3 charges on my account without any further information about the merchant 's name, whereabouts or other clarification. I contacted Capital One to ask what information they can provide me to prove that these were, in fact, legitimate charges but they could & would not provide me with any other information except to say that the charges were made using my chip card & because I had not reported my card stolen at the time, they concluded the charges were legitimate & they would not contact the merchant for more information. I spoke with two different supervisors ( XXXX - Agent # XXXX & XXXX - Agent # XXXX ) who confirmed that they would not provide any further information & I would be responsible for the charges. XXXX put me on hold attempted to XXXX search the merchant 's name to locate their business & he could not find any information about this merchant. It is hard to believe that they are using the same search engine as I am to try & locate a merchant that they paid funds to. I believe that I am entitled to get more information about this merchant & find out where they are located & the real name of their business before assuming responsibility for the charges. Capital One 's claim that because the chip card was used to make the purchase that I am responsible is not enough since my card could have been used without my authorization without my knowledge during the time of these charges. I am also questioning if this is even, in fact, a legitimate merchant for that matter. It is unbelievable that a credit card company would not provide this basic information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
In XXXX I had a Nordstrom 's card. The day I bought a suit, they offered me a card. I accepted. They ran my credit and put my purchases on the card. They never sent me a card. A few months later it went on my credit report. I explained what happened and they refused to take the info off of my report. Angry, I paid off the balance and closed the account. In early XX/XX/XXXX, I received two pieces of mail. They reopened the account without my authorization. This is fraudulent and it is unacceptable. Somebody could have intercepted it. It took me all afternoon to get the account closed. Furthermore, they told me I had never closed the account. This is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I wanted to call Capital One and ask them to reverse a late payment charge, my first since I have been an account holder for several years. They provide no way to get in touch with them to talk to an actual human - there is no form or email address on the website, and then when you do call the customer service line, it takes you through all of the automated crap and then when you ask to speak to a rep, it says " we are experiencing high call volume right now and can't help you, thank you. '' and then they hang up! No opportunity to leave a message or ask for a call back or anything. Financial institutions should be required to have customer service representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: MA

Complaint narrative:
I XXXX XXXX have received several calls from a debt collector hired by Harley Davidson Credit. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called XXXX XXXX XXXX claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. XXXX XXXX XXXX , XXXX is third party debt collector located in XXXX, Arizona. XXXX has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX. I have never received one collection letter from XXXX, and I want to resolve this matter professionally but in written correspondence only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
My father passed away XXXX XXXX he had an XXXX  XXXX XXXX. He didn't have an will or an power of attorney, so my sister and I had to go to the Power of Wills to get everything straighten out between us. I'm the oldest so I had to be the executive of all his processions. He had three cars and his house. Two cars where sold and the XXXX I took in late XXXX I had called Regional Acceptance where my father had to pay his payments. I explained to them what was going on and sent all my documents I needed. I begin taking over the payments of XXXX. Granted I was late making them because I just got in to starting to pay where he left of from where he passed. Everything was okay until probably the end of XXXX by then I had paid four payments. I began to get phone calls from Regional stating that I wasn't suppose to have the car because my name wasn't on my fathers loan with them. I asked them why wasn't it told to me in the first place about the loan and what it was for or maybe how I could take over that. But I got no answers just harassing phone calls saying they was coming to get the car and that I couldn't do anything about it. I told them I wanted my money back because I had the right to get it back. at the bottom you will see the attachment that I sent to them and I haven't got any response back. Could you please help!!!!! 
Thanks XXXX XXXX I can be reached at 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 2020-02-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX  XXXX reported that I have a balance to the credit company in XX/XX/2019 and I had a XXXX balance. It made my credit score drop from XXXX to XXXX. I have contacted them to update my information correctly, but a letter was sent to me stating it updated. But its not updated. My Equifax report for my XXXX creditcard ending in XXXX is currently showing no payment status on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV Funding LLC opened a collections account on my credit reports on XX/XX/19. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then LVNV Funding LLChas come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with LVNV Funding LLC. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In previous debt dispute letters, I have requested not to called and only to be contacted through mail. I've had to block their numbers they use to harass people.

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 2020-02-27 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: DISCOVER BANK
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA XXXX XXXX XXXX XXXX IS NOT AUTHORIZING ME TO BEING REIMBURSED FOR SERVICES WERE NOT RECIEVED. PROBLEMS COMMUNICATING WITH ME AND OR RESOLVING MY ISSUES. PAY DATES AND AMOUNTS ARE INCORRECT

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a business credit card. It should not be reporting to my personal credit report. I have requested they stop reporting business debt onto my personal credit, which is impacting my scores and hurting my chances to obtain other financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have filed many FTC reports and Police reports with the bureaus stating the inaccurate information. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. 

*There is 1 account listed that is not mine balance stated as {$530.00} although I never owed this company SOUTHWEST RECOVERY SER XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC
State: MA

Complaint narrative:
I XXXX XXXX have received several calls from a debt collector hired by XXXX XXXX XXXX. My balance shows {$190.00} on all credit reports, yet a debt collector named XXXX XXXX from a collection agency called Constar Financial Services claims that I owe a balance approximately {$2800.00}. Accordingly, I demand a full accounting of the account, and a cease and desist of all calls from this point forward as mandated under my rights Fair Debt Collection Practices Act. Constar Financial Services , LLC is third party debt collector located in XXXX, Arizona. CFS has been a party to a Federal Court case over 40 times. They have been accused of violating consumers rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX XXXX. I have never received one collection letter from Constar, and I want to resolve this matter professionally but in written correspondence only.

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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
NCA opened a collections account on my credit reports on XX/XX/19. The only reason I know this is because I have credit monitoring account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then NCA has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with NCA. I can't find any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudulent trade on all CRAs ASAP! I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Today ( XX/XX/20 ) I called equifax to address a response i received in the mail to my dispute. I spoke with XXXX  id # XXXX she informed me that equifax doesn't do independent investigations they only send our disputes to the creditors to be verified by them. im sure this is true but also a violation of my rights. 
on my credit report almost every account has inaccurate information. i have sent two letters to equifax and included the inaccurate information from my credit report.

i have 2 accounts that have been grossly re-aged. I have accounts that show different high credit amounts across all 3 bureaus. I have accounts that i do not recognize also.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/2020, Bank Of America allowed a wire transfer from my account ending in XXXX to transfer in the amount of {$20000.00} to be transferred to XXXX XXXX  located in XXXX. Then again on XX/XX/2020, a second wire transfer from the same account, for the amount of {$23000.00} to be sent to XXXX XXXX  in XXXX. Both of these transfers were done fraudulently via romance scam. Bank of America allowed these funds to be cleared for wire transfer though the amount had hall marks for fraud. Bank of America demonstrated poor practice in allowing fro both wire transfers to be go through to the bank in XXXX, thus Bank of America allowed me to be victimized by this scam.

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 2020-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In previous debt dispute letters, I have requested not to be called and only to be contacted through mail. They continue to call knowing this violates the FDCPA and Texas Debt Collection Act. I've had to block their numbers they use to harass people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: CA

Complaint narrative:
Experian is reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX  XXXX which resulted in serious complications from XXXX XXXX. I was incapacitated for several weeks after the XXXX and consequently, I was unable to function normally. I called the bank and let them know the extenuating circumstances I was dealing and to ask they forgive the lates that are currently reporting on my credit report and remove them. This account has been paid. The representative I spoke with assured me, due to the circumstances beyond my control, they would request the late fees reporting be removed. The bank unfortunately did not keep their word. I was not aware there were lates reporting on this account until I obtained a copy of my most recent credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been trying since mid last year to get a {$150.00} bonus from PNC that is rightfully owed to me. They had a promotion going on that they almost always run, for the Cash Rewards Visa Signature Credit Card that is considered a welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of them ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous. First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. I saw the advertisement. That's what sparked my interest in getting the card in the first place. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If I knew that PNC was going to XXXX me over and not give me my bonus as promised, I would have definitely screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note that if PNC tries to contact me their attempt will be disregarded. I have already spent a total of THREE hours on the phone with them several times over this matter. They need to just put the credit on my account. Period!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: Capital Accounts, LLC
State: TX

Complaint narrative:
I tried to make a payment on line the agent told me I had till the XXXX of the month. On the XXXX received a letter telling me I needed to move out. I went to their corporate office to speak with a manager. He explained that it was a misunderstanding that I could leave the payment there in the office with the receptionist. Went to the bank got a cashiers check returned to the office left it with the receptionist. They later said it was not paid but it was paid to the lady in reception as he had asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation