vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My husbands Capital One card had fradulent charges. Called Capital One and they advised that he get a new card. Then a month goes by and he receives an email that the account is past due. We called Capital One and they said that the account was put on paperless billing, we did not agree to that. So frustrated I told them to send us the rewards credit of about {$300.00}. They said they could not because we owed {$200.00} and they would not apply. I paid the {$200.00} and now they told me I was not allowed to have the rewards credit. I closed the account. Can you help get the {$300.00}? We have been a customer for nearly 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: HI

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The issues that I am facing have been with Amazon which has not delivered the packages yet charge my account for the purchase. I have requested assistance to get this resolved and until I called on XX/XX/XXXX I found out that the matters were not resolved in my favor. 

Amazon has been delivering or not delivering the packages yet they claim they do. What they have done is misrepresent or lie to the credit card company. The deliveries are not left or signed by anyone quite frankly it is Amazon delivery which states its done and it is not. The company operates in a manner that is not only abusive to customers they are constantly cheating consumers. 

My current issue with Amazon charging my chase card for purchases that I never received is a matter that I need assistance upon. I have been through a lot of issues and was advised if I didn't authorize the purchase then it falls under fraud. Amazon maintained my credit card Information and regardless charges for items. 

I do not recognize the charges nor did I authorize them. 

Transactions : XX/XX/XXXX Amazon XXXX XX/XX/XXXX Amazon XXXX XX/XX/XXXX XXXX. overfilled me for transaction should have been {$190.00} not the amount they posted. No receipt provided to me in person on my folio at hotel or email. Now there is a over inflated charge on my account that is posted for XXXX XXXX XXXX direct was sent back product and charged me for the items. I was overcharged for the items. The amount should have been for XXXX not the {$220.00} Chase has informed me that they have setup my responses to be sent to me electronically. I never agreed to this and have not been getting answers until I call. They now claim that the cases are closed without my rebuttal. All purchases from Amazon. They have no proof of signature and the packages were not at my home. They can not claim that if they left a package at someones door it is your responsibility. Plus they have left items from neighbors at my house. This company has no controls. At this time I have none of the items and have been fraudulently charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I noticed a charge for {$2000.00} on my checking account on XX/XX/2020 and immediately called Bank of America to file a claim. I continued to call every three days to check in on my claim as I still had heard nothing back. The transaction was made to a XXXX company in New York. Neither me nor my husband have ever even been to New York or have ever made a transaction amounting to {$2000.00} on our debit cards or credit cards. BOA stated that since Iogged onto my online banking account ( when I checked my account and noticed the fradulant transaction ) that they denied my claim. I logged on and immediately noticed the fradulant transaction and made the claim, so this makes zero sense. It is now XX/XX/2020 and BOA has denied my claim and I have had to reopen it and now wait at least another two weeks in order to even possibly receive my money back. BOA is trying to state that I logged into my online banking account during the dates of XX/XX/2020 and XX/XX/2020 which is one reason why they denied my claim. I did not log into my account at all during those two days.

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC will not link to a XXXX act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020. I sent a dispute letter along with a FTC report to Experian, explaining that I had fraud accounts on my report, and they needed to be removed. The certified letter ( tracking # XXXX ) via USPS. I followed up about 2 weeks later, to find out that the dispute was not even in the record with Experian. The customer service rep explained they had no record of any dispute. The fraudulent accounts still remain on my credit report. On XX/XX/2020, I went ahead and sent out the same letter & FTC Identity Theft report to Experian. The certified letter ( tracking # XXXX ) via USPS. I called Experian on XX/XX/2020, XXXX with Experian Dispute Department verified my information through identity verification questions. XXXX with customer service stated I needed to be transferred again to the special assistance center with Experian. I went through this twice, and when I am transferred, the IVR asks me to leave a voicemail, and just hangs up my call. I have been working to resolve this for months now, and I can not get anywhere with Experian. I have sent the letter & FTC identity theft report twice now, and still don't get any responses. 

I am attaching the dispute letter & FTC identity theft report that I have already sent twice. 

Additionally, I have a free basic online Experian membership, I do not have the ability to dispute my file online, I would like the ability to dispute online. No customer service member with Experian is able to assist me with that. 

I am attaching the error message I get when trying to dispute online. This is NOT a technical error on my side, as I have tried on every browser and 7 different types of computers/phones.

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 2020-06-18 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: NJ

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2020-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
The RS CLARK & ASSOCIATE RS Inc. XXXX XXXX, XXXX XXXX XXXX, Texas XXXX keep calling me to pay the debt since XX/XX/2019. I called them to tell them not to contact me, without my consent of obtaining my personal cellphone number, they said : " they have the right to call me anytime and from a debt collector, not from soliciting business. '' They have numerous number to contact me : XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I went to get a withdrawal of {$10000.00} dollars on the location XXXX XXXX XXXX XXXX suit XXXX XXXX XXXX tx XXXX. 
The person who took care of me asked me so many questions and told me to go inside the lobby just to ask more and more questions to the point that I feel very uncomfortable and overwhelmed. I tried my best to be nice and get out of that situation I FEEL DISCRIMINATE BY HER AND ATTACK!!! 
They only give me {$5000.00} and told me to come back the next day ( XX/XX/XXXX ) Today i went back to withdrawal the other {$5000.00} just to find out she froze my account because she want to know from where I'm getting paid. It is no fair to put me under this stress simply for not sasease the curiosity of an employee " manager '' who is asking me very personal questions. I have every right not to respond especially if this person is making me feel discriminated and personally attanked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TO THE CREDIT AGENCIES, YALL HAVE WILLFULLY AND KNOWINGLY, DISHONORED THE FCRA 605B LAW - IDENTITY THEFT. IT HAS BEEN 3 MONTHS SINCE IVE NOTIFIED THE CREDIT BUREAUS WITH THEIR FALSE REPORTING, I HAVE NOT GOTTEN ANY GOOD RESULTS BACK, AT ALL!!! I'VE CONTINUED SENDING ALL NECESSARY DOCS FOR THE REMOVAL OF THESE FRAUD ITEMS. ALL 3 BUREAUS HAVE UNDOUBTEDLY THROWN OUT MY INVESTIGATIONS TO THE WIND AS THEIR HAVE BEEN NO RESPONSES OR RESULTS, THESE ARE UNFAIR BUSINESS PRACTICES. MY NAME IS XXXX XXXX AND YALL HAVE NOT GIVEN ME A FAIR INVESTIGATION, NONE OF THESE ITEMS I'VE LISTED ON DOCUMENTS BELONG TO ME. THERE IS NO WAY YOU'D HAVE EVER VERIFIED ANYTHING, ESPECIALLY UNDER FCRA XXXX GUIDELINES, SHOW US!

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 2020-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have to believe there's incorrect personal address/employment, and phone number information reporting on my credit report. I am requesting the information is removed/deleted.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX XXXX/XXXX about a XXXX debt due. That month, I settled with them and paid my debt in full on XX/XX/XXXX for {$370.00}. In XX/XX/XXXX, another collection company called XXXX tried collecting on the same account. I emailed them informing that I already paid and to stop trying to collect. They immediately removed it from the credit agencies. In XX/XX/XXXX, another company called XXXX XXXX tries to collect on the same account. Now we are at XX/XX/XXXX and Credence Resource is trying to collect on this same account. I contacted XXXX  via email on XX/XX/XXXX and received a response from XXXX XXXX, Sr Specialist Executive Response, who said they show I still owe a balance, but do show that I made the payment to XXXX  in XXXX. I then call XXXX  on XX/XX/XXXX who confirms that I did settle and paid in full for that account in XXXX. They said they forwarded this documentation to XXXX. I asked if I could have documentation showing this information to prove I no longer owe the debt. They say they can not give me that because it is closed on their end and XXXX should have the information. I then email XXXX XXXX at XXXX and let him know this same information. He responds " You would have to consult the new collection agency as we have no way of enforcing them to remove the debt. Our records do not reflect that the account was settled in full with the previous agency. Have they provided you with any sort of documentation proving this? If so, you may present it to me and I can see if I can do something else. '' So if neither company can give me documentation rightfully due to me so I can get this nightmare to stop, what can I do? This is so unfair and keeps ruining my credit. The most recent collection agency, Credence Resource Management, says I need to speak with XXXX to get them to remove it because they cant do anything. If original creditor and every collection agency tells me I need to call the other person then how will I ever get this resolved? I have bank statements proving my payment and XXXX  recorded our phone call admitting that I paid in full. Please help with this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: WA

Complaint narrative:
On XX/XX/XXXX a scheduled payment of {$93.00} was sent to Capital One to pay the minimum balance for my credit card. The payment was returned for NSF as I was in the process of transferring banks. I was not notified, called, emailed, or reached out to about the payment rejection. I did not know that it was still linked to my old bank account and not my new account ( account closed due to fraud ). In XXXX my payment was rejected again, this time I was sent an email that stated it was rejected and then I received a notice from credit monitoring that my score had dropped. They put a 30 day late for the XXXX payment I was not notified about. I attempted to re-mediate the issue with capital one and they asked I dispute it but that it falls under FCRA and will remain. I have also not been notified of adverse action or information being furnished to an XXXX. This is in direct violation of the FCRA, Capital One has a due diligence requirement to notify their customers of adverse action, and payment issues. Despite having the app, and them having all of my contact info unchanged for the last 7 years they failed to notify me. 

They have failed to fix the situation and are asking me to go through a long dispute process. They refused to provide email or contact information for any individual or supervisor that could help with the process. They refused to provide an email for their executive offices stating there wasn't one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: NJ

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$1100.00}. 
XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) .amount of {$750.00}. i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account to my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

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 2020-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Mortgage servicer NewRez mortgage LLC. allowed my homeowners insurance to lapse for non payment i have contacted them by phone to notify them to no avail my date of coverage voidance was XX/XX/2020 according to the notice i received today. they want me to do all of the leg work to rectify their mistake. my mortgage and escrow accounts are current and have sufficient funds to cover debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute with Experian for verification of a debt which they quickly returned with the conclusion that the debt is accurate, on XX/XX/XXXX. The debt in question is from a collection agency named XXXX representing XXXX   XXXX XXXX XXXX/XXXX  ( XXXX ) in the amount of {$450.00}. Therefore, I proceeded to contact XXXX through written communication requesting a validation of such debt. XXXX responded by sending a few copies of billing statements showing a balance of {$680.00} BUT specifically noted at the bottom of the letter that states " any difference between the amount shown enclosed in the verification of debt is due to some CREDITS. '' My letter of validation was very clear and precise to the type of information I was seeking and XXXX blatantly ignored consumer request numerous times. XXXX refuse to send consumer original contract, list of all payments made to account INCLUDING CREDITS, copy of license to collect in the state of Texas, and when did XXXX transfer the account for collection. I spoke with a representative at XXXX after failed written communications late XXXX or earlier XXXX, and the rep told consumer that they show a credit of {$200.00} applied back in XXXX but she did not have ANYTHING to send to prove what she is saying and told consumer that their office will contact XXXX for documentation of such credit. It is federal law that collection must provide proof of any amount they are reporting and should have that information available to consumer upon request. How are you reporting a debt that is {$200.00} less than {$680.00} that is printed on a billing statement they are sending to the consumer as their burden of proof? How can Experian say that reporting of such debt is accurate when XXXX CAN NOT provide the consumer with adequate documentation? If XXXX can not provide ALL documentation including documentation regarding a {$200.00} credit that the consumer is not aware about, than ALL REPORTING NEEDS TO CEASE! Please be advise, the last mail consumer received from XXXX was XX/XX/XXXX and NO documentation regarding CREDITS was enclosed ... .just old billing statements.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC
State: FL

Complaint narrative:
A debt I don't have no idea about

Company response to consumer: Closed with explanation