vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc.
State: IL

Complaint narrative:
Violations of the Consumer Credit Protection Act, enacted in XXXX Failure to substantiate date of receipt of this account Failure to Validate the Debt Deceit & false information Using abusive, unfair, or deceptive practices when they collect debts I wrote a demand for authentication of debt on XX/XX/XXXX. The only evidence your company provided was a HAND-TYPED letter that that did NOT include VERIFIABLE proof of any evidence to substantiate this debt. 
Hand-typed letter consisted of the following : -Incorrect dates of transactions -Incorrect dates and/or late fees were added to the account -No contract ; only an Automatic Payment Authorization Form THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) with a WRITTEN NOTE in the right-hand corner 10-month contract that has an address listed that I no longer reside at from XXXX THAT WAS OPTIONAL according to the business AND IS NOT THE ALLEGED CONTRACT ) -No proof of successful payments, transaction numbers -No proof of alleged unsuccessful payments -No proof of signature or contract ( only on an Automatic Payment Authorization form -No proof that identification was supplied, or copy taken when signed to verify that the signature was in fact mine -No official date off when the account was bought/obtained by your company to ensure that you were within the FDCPA regulations. 
-No include statements or amounts documenting how the amounts of {$710.00} and {$760.00} were accumulated by XXXXXXXX XXXX XXXX -Credit Systems NEVER provided actual validation of this debt after A SECOND correspondence to your company on XX/XX/XXXX that the information supplied was NOT enough evidence/proof in accordance to FDCPA laws. And after your company had already exceeded the 5 days legally allotted to supply information to me. And STILL havent done so in these 230 days since my last correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened a company business checking account with TD Bank in early XXXX. My office manager at the time also had a signature on the account. In XXXX, I turned over day to day operations to two others, though maintained my financial interests in the company, of course. 

Sometime later, unbeknown to me, my signature was removed from the account. The company suffered great losses as a result of flooding resulting from Hurricane Matthew in XXXX and ultimately failed following flooding resulting from Hurricane Florence in XXXX. All paper and computer records were essentially lost although I do have bank statements. 

In my ensuing attempts to obtain detailed transaction information, especially check payees, in order to complete financial reporting per my fiduciary duty and regulatory requirements, I have been denied by the bank repeatedly in spite of presenting copious evidence of my obvious entitlement to the information. 

TD Bank states their banking policy requires that account information may only be provided to people with signatures on the account. They have no policy to protect an account holder from having their signature removed from the account without their knowledge or approval. I have provided copious documentation illustrating my ongoing interest in the company. 

Furthermore, they have been increasingly unresponsive to my inquiries leaving me no other options short of expensive litigation to obtain information I am entitled to. I have been dealing with this for well over a year now, and the delay in filings because of this is no doubt going to result in significant penalties and interest when this is finally resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2020, Citibank send me an email addressing me by my first name in the subject and in the email body, inviting me to apply for Citibank Reward+ card and to receive XXXX bonus ThankYou points. In particular, the email subjects reads : <FirstName>, we've enclosed details on our lowest intro APR plus XXXX ThankYou Points after qualifying purchases. Consider the Citi Rewards+ Card | Offer expires XX/XX/2020 I have got interested in this offer and applied for the Citi Rewards+ Card on XX/XX/2020. My application was approved, I received the card, and within two first billing cycles I fulfilled the offer terms. However, I did not receive the XXXX bonus ThankYou points. 

On XX/XX/2020, I mailed to the Citibank Customer Service an inquiry about the promised bonus and a confirmation of the offer I received. In response I received a letter dated XX/XX/2020, saying that " Special offers are not available when an existing account in the same product has been approved or closed with 24 months. '' I'd like to point out that : ( i ) I have never had Citibank Rewads+ card before I opened it in XX/XX/2020 ; ( ii ) I do have another ThankYou points earning card, but since the invitation email mentioned " a limited-time offer for our Citi cardmembers '',  this other card was a reason ( not an obstacle! ) for receiving the offer at first place ; ( iii ) the offer was addressed directly to me and mentioned my name ( even in the email subject! ), so I consider it a targeted advertizement ; ( iv ) Citibank knew the history of my approved or closed accounts with them, and it did not stop them from soliciting an application for Citibank Rewards+ card from me and offering me a bonus. 

All in all, I view the practice of calling my name and offering me a bonus and then denying it deceptive at very least. It is also misleading first to advertize " a limited-time offer for our Citi cardmembers '' and then cite the history of opened accounts as a reason for denying the bonus. 

My attempt to contact Citibank and explain the situation did not succeed, and therefore I file a complaint here.

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 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXXXX claims they update with credit bureaus every 30 days but its not true they reporting based off when they statement month start and ends which is cause me an issue because I paid credit balance off in full XX/XX/2020 and Im being told they cant update credit report with bureaus again until XX/XX/2020 when it should be reported XX/XX/2020 since it was paid in full in previous month of XXXX so Im taking another hit to my credit report coming off the pandemic where I already took so many hits to the report its bad business and as a consumer is causing me to be limited in what actual can obtain because my credit report is still showing delinquent when it shouldnt

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 2020-06-09 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: VA

Complaint narrative:
I purchased ( 2 ) airline tickets on XXXX XXXX XX/XX/2020 on my Capital One credit card. 

XXXX XXXX cancelled the flights and I disputed the charge with XXXX XXXX and Capital One and received ( XXXX ) Purchase Adjustments for {$410.00} on XXXX XXXX, 2020. 

On XXXX XXXX, 2020, XXXX XXXX issued a refund to my credit card for the ( 2 ) airline tickets. 

On XXXX XXXX, 2020, Capital One issued ( 2 ) Transaction Rebills to reconcile the purchases and refunds. 

On XXXX XXXX, 2020, Capital One mistakenly charged a 3rd Transaction rebill for {$410.00}. I phone Capital One on XX/XX/XXXX to dispute this mistaken 3rd charge and after more than 1 hour Capital One stated that the mistaken {$410.00} charge would be reversed before my XX/XX/XXXX statement closing date. I called Capital One again on XX/XX/XXXX to request reversal of the mistaken {$410.00} charge and was informed it would be reversed before my statement date. I also disputed this mistaken charge by certified mail to Capital One - there is no other option ( online or otherwise ) to dispute credit card charges with Capital One. 

Capital One finally reversed the mistaken {$410.00} charge on XX/XX/2020 - nearly XXXX weeks after it was promised. Capital One 's failure to reverse the charge impacted my credit report and credit score XXXX from a XXXX to a XXXX ). 

Capital One is currently repeating the same misconduct with a second disputed airline ticket for a canceled flight with XXXX XXXX. I disputed the XXXX XXXX charge by certified mail on XX/XX/XXXX ( received by Capital One on XX/XX/XXXX ) and spoke with Capital One on Thursday, XXXX XXXX, 2020. Capital One said that the charge would be reversed pending investigation in 2-3 days. I called Capital One again on Saturday XX/XX/XXXX and Tuesday XX/XX/XXXX, but the disputed charge acknowledged by Capital One has still not been reversed contrary to Capital One 's statements to me on XX/XX/XXXX and XX/XX/XXXX. XXXX, Capital One 's misconduct is adversely impacting my reported credit limit, credit report and credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have received several notices from Bayview Mortgage that my payment is delinquent and my loan is now in default. I have attempted to contact them on numerous occasions to rectify the matter but Bayview has been unresponsive. I have also sent them a certified letter trying to resolve the issue but they have not responded. 

My account is fully paid to date. I have sent them documentation of checks sent going back to XXXX 2018 and Ive never missed a payment. 

The accounting error is with Bayview and stems from their attempt to place forced insurance on the property. This increased my escrow amount substantially and so my regular monthly payments were recorded at deficient. I contacted XXXX XXXX of the Bayview insurance department by email who indicated to me that she has removed the forced placed insurance as I provided her with adequate documentation of other insurance. She instructed me to contact the escrow department asking for an escrow review which I did to no avail. 

I am continuing to received calls and letters from Bayview that they intend to foreclose on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: MD

Complaint narrative:
I filed a complaint with Capital One in XXXX 2020. There were multiple charges on my account that I did not make. When I became aware of these charges I called Capital One and I explained to them that I did not make the charges. Capital One investigated for XXXX month and then they reversed the charges and put the money back in my account. Today XX/XX/XXXX I tried to make a purchase with my credit card and it was denied only for me to learn that they have reversed the charges. I called Capital One and spoke to XXXX who identified himself as the manager of the fraud department his ID # is XXXX. He explained that the reason that it was reversed was because I did not mention that the card was in my possession at the time even though I did because I mentioned to the representative the first time that my card was lost/stolen. XXXX told me that I have to go and now get a police report and not once has Capital One communicated any of this information with me. The dates and amounts for these transactions are as follows : XXXX2020-XXXX2020 {$410.00} {$330.00} {$310.00} {$110.00} {$46.00} {$38.00} {$31.00} {$29.00} {$17.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stuart-Lippman and Associates, Inc
State: OK

Complaint narrative:
Attempting to collect a debt that is the result of identity theft,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: The B & F Corporation d/b/a OK Loan Service
State: OK

Complaint narrative:
XX/XX/2020 I paid off my loan in full. 
On XXXX XXXX, 2020, I called to renew the lease based off of my receipt header and the manager said that she was told by home office to deny my loan renewal because of their other loan offices.

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 2020-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The payment process from Kohl 's is very shady. I have had an account with Kohl 's for over 10 years and never had a problem with payment. My account is paid by Autopay and was just recently informed that you have to update your autopay account with they every few months or they will not pull the payment. This is a very shady practice since " no company '' with autopay makes you update your bank account information. I also have not been receiving my account statements so I was not aware of the issue until I was almost 60 days late and then they called me to tell me they were putting me into collections unless I paid the balance. The bank account that I use to pay this account is one of several accounts so I did not think to check it to verify since I thought they would just remove the payment. This is a very shady practice to not only collect late fees but also interest. I paid the full amount and they credited my account for the late fees but not the interest and also added a 30 day late to my credit report. When I requested that they remove the delinquency from my credit report they told me that the info is correct and they will not be clearing it. 
I am not the only one that has had this issue. My XXXX   also said that she was charged a late fee and called about non payment as well and I am sure that many others have had the same thing happen. I think this needs to be investigated. 
Also want to mention that when the rep called me to make payment he used my bank account on file to pay off the amount owed. If they have that information why didn't they just pull the funds and not cause me to have a late payment and also ding my credit report. ( Seems to me this is a way for them to collect additional fees and interest )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on Equifax is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90  days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Account # : XXXX XXXX : Inaccurate information I reported this account was reporting inaccurate information. They still did not update the file correctly. I asked for this account to be deleted if it was not going to report accurately. I had several issues on my credit report. They also would not correct my name which is still being reported inaccurately. This account referenced above is showing two different date 's allegedly being reported from one source yet reporting different information. The " Date Last Active '' for XXXX  shows XX/XX/XXXX and the " Date Last Active '' on XXXX  is showing XX/XX/XXXX. I filed a dispute they changed some information but it is still not accurate. It is inaccurate and I would like it to be deleted from my credit profile as is does not meet reporting standards. 

XXXX Account # : XXXX I reported this account as showing inaccurate information. It is showing a late payment of 90 days on XXXX of XXXX. Yet on XXXX and XXXX of XXXX payments were reported on time. So the reported information reported shows that I was on time and then 90 days late. 

( Original Creditor : ) XXXX I attempted to correct this account and it stopped reporting the creditors name on my credit report. Also, they re-aged the account to show last active date as XX/XX/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 2020-06-09 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: VA

Complaint narrative:
After reviewing my credit report, I noticed items that are listed in the report are a result of identity theft. I mailed in my dispute/request to block these items, but this bureau refuses to block or delete this information despite support documents attached corroborating my dispute. I may have to sue this them if this does not work because I am victim of identity theft and this bureau is refusing to correct my report. They are playing games and I am XXXX about it. See my attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: LA

Complaint narrative:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
I knew the debt was owed, and was making small incremental payments to the original company. They proceeded to send the debt to a collection angency, CBSA Collection, who had the wrong amount owed, told me that the management company said I was not paying or paying too slow. Since that time, I ageed to pay on the account by the 10th of each month, the amount of {$50.00}, which I pay every month and have not missed a month. BUT, every month, I have to contact the company, because the website is always down and unable to access it to make the payment like I should. This month, they have not fixed the website at all, and I am going to have to call and make a payment over the phone. They charge me {$4.00} to make the payment on the website and yet the website is always down. They also report to the credit agencies that the payment is always late. 
This has become a frustration, especially at this time with finances being tight due to the many shutdowns, and it is like they do not want me to make the payment so they can harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09 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: LA

Complaint narrative:
i notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year

Company response to consumer: Closed with explanation