vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In XXXX of XXXX I forwarded a {$100.00} payment to Capital One along with a note to divide the payment ( XXXX ) ways in which I requested {$50.00} be applied to XX/XX/XXXX payment due, With {$25.00} being applied to XX/XX/XXXX payment due and requested the remaining {$25.00} to be applied to the XX/XX/XXXX payment due. 

Because Capital One failed to apply my payments as requested and to further the matter has failed to reverse the entire {$100.00} payment applied to the XX/XX/XXXX payment, my account is now past due,, as well as the company adding both a late charge and a finance charge. 

I forwarded the {$100.00} payment back in XX/XX/XXXX with the intent to pay ahead as I knew I would have other obligations to take care of during the months I paid ahead and did not want to affect my credit. 

I have spoken with Capital One reps at least ( XXXX ) times about this matter and all calls ar said to be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021 Tuesday at XXXX am, I had a gentleman by the name of XXXX ID # XXXX call me on my cell and said he was calling from Wells Fargo Fraud ( the number that he was calling from, I looked it up online as I was talking to him and that day it was a legit Wells Fargo Number ) and had asked if I made 2 purchases. One in the amount of {$1000.00} and the other in the amount of {$2500.00} I said no and he said that we need to XXXX my money back to me. So he sent me a code to put it in XXXX, typed my name as the recipient, but it actually went to him at XXXX XXXX. As I hung up I knew I fell for Fraud so I immediately called Wells Fargo, they put a claim in and said I had to wait 10 days to see if I get my money back ( Which the transaction was pending that day in my account and when I looked the next day, Wells Fargo had put it through ) So when I called on the 10th day Wells Fargo had told me my claim has been closed because there is nothing they can do and it is what it is. Well I do not beleive it is what it is. I have all documentation showing that I had called them, reported fraud, also Wells Fargo stating that if I didn't send this money or if it is fraud to please call them and I did within 2 minutes of it happening. I have emailed XXXX, FBI, talked to Wells Fargo and contacted XXXX XXXX XXXX XXXX. I think they should refund my money.

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 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
Filed Complaint # XXXX against XXXX which was referred to CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and closed. 

In addition, Complaint # XXXX was filed against XXXX XXXX XXXX XXXX XXXX. Per the company 's response, to CFPB : " The account has been placed in a disputed status and verification of the debt will be requested from our client and mailed the address on file. There will be no further communication until the dispute investigation is completed. On behalf of XXXX XXXX XXXX XXXX XXXX I want to apologize for any inconvenience that this may have caused you. Thank You, XXXX XXXX Compliance XXXX XXXX XXXX XXXX XXXX XXXX '' As of today 's date, I have not received any further communication from XXXX XXXX OR XXXX with regards to the dispute. However, today, XX/XX/XXXX. I received a new collection letter from ERC requesting payment of the same {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I went to the atm outside of the XXXX  on XXXX XXXX in XXXX NC on XX/XX/XXXX at XXXX to do a Cash deposit. The machine took the {$200.00} but failed to give me a updated balance receipt. The error message said the atm can no longer accept cash deposits and that my transaction had been declined. I went to the bank the next day to speak to them, the teller XXXX XXXX was unable to properly assist me as she asked the teller manageXXXX for assistance. She came back to tell me she would file a dispute that may take up to 10 days and that I needed to agree to this statement in order to get my money back. I refused and asked to speak to someone else and she replied the answer would be the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : Under 15USC 1681b- permissible purpose 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 XXXX XXXX XXXX NEVER gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the accounts listed below as a consumer demanding deletion of these accounts. 

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX ACCOUNT NUMBER : 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 non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
I tried to cancel my loan with lendingclub but I was unable to do so because of the XXXX XXXX. When I tried to cancel my loan the next day, I was told that it was 1 day out of the loan cancelation period. I think this is unreasonable and was surprised that they wouldn't work with me to refund the fees charged or offer a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately 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 non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There is a reporting of a debt from an apartment complex that I haven't lived. I'm not sure how my name or ssn was associated with it. I have contacted the collection company but they only tried to collect the debt.

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 2022-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My condo is in a flood zone. My condo board purchases flood insurance. I sent a copy of the policy to my mortgage company, Mr. Cooper, and they acknowledged receiving it. In spite of this they say I do not have insurance and charged me {$1800.00} for flood insurance. This is the third year in a row that they have done this and the only way to get it fixed is to file complaints. 

I called them on XX/XX/XXXX and they give conflicting information. The " mortgage dept '' says I was charged while the " flood insurance dept '' says they have received a copy of my flood insurance and I was given a refund. There is no refund indicated on the paper or on-line statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX Applied for a credit card with XXXX XXXX by ( Comenity Captital Bank XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) XXXX I charged XXXX XXXX received billing for {$17.00} XXXX I paid the {$17.00} with direct paycheck from my bank XXXX. Check attached. You will note on the front upper left corner the account # XXXX ( that's my new XXXX Credit Card #. ) You should note on the back of the check is information showing Comenity deposited into their Bank XXXX XXXX my check on XX/XX/XXXX. ( Due XX/XX/XXXX ) Note on the back showing their deposit of my XXXX XXXX XXXXit was deposited this in XXXX # XXXX. ( thats my XXXXXXXX XXXX XXXX XXXX  ) COMENITY DEPOSITED MY PAYMENT IN WRONG ACCOUNT. ( That is my XXXXXXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Received a Billing Notice from XXXX for {$36.00} ( XXXX ) for LATE PAYMENT FEES ) I have called and talk estimate 10 people to try and clear this. 
XX/XX/XXXX Customer Care said they could resolve the problem. The assistant said to clear this I would have to pay on line to her {$13.00} and she would waive all fees and charges from from my XXXX XXXX and apply the amount to my XXXX XXXX, because the credit of XXXX had been credited to my XXXX 's card. I did that. 
( the letter where Customer Care cleared the problem is attached. ) XX/XX/XXXX -- XXXX I have called many times and written many letters. 
XX/XX/XXXX -- billing was for {$89.00} on account XXXX continues to grow as all amounts were paid and cleared in XX/XX/XXXX I'm attaching a screen shot of where I tried to send them info on their site but all I ever get when I send is there was a technical glitch and was not received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
On XX/XX/2021 I made an online payment on their website. Monthly payment is for {$270.00}. I made a payment for what I could afford that day which was XXXX. 
Website froze, message of, don't go back or refresh pop up and then I was charged {$720.00} instead of what I input for authorized payment. 
Filed a claim with them, multiple calls, emails, 11 overdraft fees for {$36.00} each due to their websites error on my bank account. 

My bank stopped the payment, put money back in my account before all those overdraft fees but Lending point took the money from my account again, knowingly it was a mistake and a claim was filed. 

After lots of back and forth and promises by supervisor XXXX XXXX using her work email, XXXX To refund the whole amount and pay for the overdraft fees, final answer was, her boss told her they won't be able to refund any money or any of the overdraft fees. 
They're violating my consumer rights when it comes to federal and state rules, laws, and regulations that govern financial institutions. 
I'm filing a claim against them for abusive unfair and deceiving business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I sent a electronic transfer to XXXX XXXXk I sent payment to the wrong account number. Once I realized it I called for a reversal. Ive waiting for Navy to send reversal and nothing has happened as of yet. 
I explained to navy Federal that of investigation process takes over 10 days which it has I should be provided provisional credit ( they said they couldnt ) I also informed them that under the EFTA it protects the consumer and Im only responsible for 50.00. Im still waiting for my funds to be refunding. After speaking to XXXX she states that she couldnt give me provisional credit I am aware under the EFTA ACT was passed by Congress in XXXX my XXXX XXXXr this act protects diners with electronic transfers. Navy Federal has not following this law. I have also submitted complaints with the FTC. CURRENCY COMPTROLLER. XXXX XXXX XXXX FDIC Please help Since Im here Ill mention that my credit card is not open ended and by law it should be please check into that too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Your company broke the law!!!! 
Your company is in violation of the following subsection of the Fair Credit Reporting Agency.

Pursuant to 15 USC 1681 the accuracy and fairness of credit reporting. Congress makes it clear that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Pursuant to 15 USC 1681a ( 3 ) Consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit and other information on consumers. Ability Recovery Service assumed this role and because of your assumption, you have negatively affected my life and caused hardship.

15 USC 1681b. Congress also makes it clear, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this company written instructions to furnish anything on my consumer report.

As a consumer reporting agency, Ability Recovery Service used my consumer report for monetary fees, dues that regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means of interstate commerce for the furnishing consumer reports. Pursuant to 15 USC 1681a ( f )

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 2022-01-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It's been 30 days since i disputed the late payments on my report and still yet to receive any outcome or result of their investigation. The dispute was initiated on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 non-monetary relief
Consumer complaint received 2022-01-18 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP
State: FL

Complaint narrative:
Representative ( XXXX XXXX ) for the creditor ( Republic Finance ) continues to call the employer regarding debt. After they were informed via email, fax, and phone - to please do not contact my place of business as I can not receive personal calls of any nature and it can result in my termination. The individual continues to call and even paged me through the hospital system, which is an abuse of use. I have informed my lawyer and have been advised to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 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: Google Compare Credit Cards Inc.
State: ID

Complaint narrative:
XXXX XXXX XXXX scan me with a lot of money because they know I have a lot of money they somehow got into my account which I use the washer and dryer and by doing that they leaked into my account and stole a lot of money the XXXX association tracks how much funding they have to come from me I have a document to give to you on my file with the XXXX which is shut down for some reason this website is not working accurate I cleaned out the system where the XXXX  system will be updated soon so my jobs completed with them they will be having a working foundation now but by the meantime the scamming must stop is against the laws of crime I want my money back in my XXXX  account where they took the money out of and then they leaked into all my other accounts by doing that because my accounts are linked together XXXX a whole bunch of other accounts I have as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I XXXX XXXX XXXX have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companie. Below Is my FTC Identity Theft Report. I have also mailed all respective CRAs my identity theft affidavit please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Bank account opened with TD Bank. My XXXX reported it and I contacted the banks fraud department to report the issue. I received two emails from TD Bank that welcomed me to my new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 non-monetary relief
Consumer complaint received 2022-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ERC
State: IL

Complaint narrative:
I paid off a debt I owed XXXX XXXX XXXX years ago for a past due phone bill. Enhanced Recovery has sought to get me to pay this debt on several occasions. They have tried on several occasions to get me to pay the debt.

Company response to consumer: Closed with explanation