vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX, XXXX XXXX an alert was sent to my phone from XXXX tracking for package delivery. This was a package that I did not order. I immediately opened my account to see a pending charge for a company XXXX XXXX XXXX. I called the capital one bank and notified the day of the pending transaction ( XX/XX/XXXX ). I was told, I had to wait for the charges to clear to file a dispute. On XX/XX/XXXX, I filed dispute after the transaction posted. Capitalone is denying my claim because the merchant ( XXXX XXXX ) said that my name and address matched the order. The total was XXXX. I attached the XXXX  shipping tracking information, in which it is plain as day that the package was rerouted multiple times before ultimately being sent to XXXX. My identity was stolen to make this purchase. I did not even receive a package that I Have now paid for and have no idea what was even purchased. So, if both parties, ( capital one and XXXX ) are saying that I made the purchase, I didnt receive a package. Which once again clearly showed it was sent to XXXX ( 2000 miles from my current location. I filed an appeal with capitalone and called the merchant myself. Capital one is now sending me their investigation findings as of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: NY

Complaint narrative:
On XX/XX/2020 i filled an online dispute # XXXX with XXXX  that was incorrect also with XXXX XXXX dispute # XXXX and Experian dispute # XXXX please have it removed.

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 2020-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
wire transfer payment, person to person was made internationally to pay for tuition. 
The bank failed to provide disclosure as to fees charging and dollar to euro exchange rate. 
I have requested a recall of the funds From my bank, Bank of America, within 6 months from the transfer. I had explained the party the funds were transferred to, the business failed to provide services I had requested or was paying for. 
I was no longer a student and requested my tuition/money to be reimbursed, retracted. 
I provided documentation to bank explaining that I had tried to remedy the situation with the business I had paid and requested the refund from them. 
I provided documentation as to the payment was for and proof that I am not being provided a service which should constitute as proof that the services were not provided by the business that I initiated a payment to.

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 2020-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
information on credit report is not reporting correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
The loan is with Comenity Club XXXX XXXX. Comenity Capital Bank. 
It was a loan to payed fro XXXX procedures. Opened in XX/XX/XXXX, for the amount of {$1500.00}. Account under my name, finishing in XXXX. 
There has being numerous late fees applied to this account, since the beginning, despite direct linked account to XXXX and latter to XXXX, both bank accounts they have being authorized and link to. 
During the pandemic, completely and lawfully ignoring the CARES ACT and despite numerous phone calls and secure messaging though their website asking for a relief, by only being behind on one payment they charged me overdraft fee and reported to the credit agencies. 
I have many writing communications with them though the secure messaging system complaining of all this. 
I notice that they just stop taking the payment in XXXX, with out any notice and I have being charged two late fees since then despite having access to the bank information they have being linked to since XX/XX/XXXX. 
Again not communication in any shape or form to let me know of any updates on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: NY

Complaint narrative:
On XX/XX/2020 i filled an online dispute # XXXX with XXXX that was incorrect also with Trans Union dispute # XXXX and XXXX  dispute # XXXX please have it removed.

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 2020-09-04 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:
On XX/XX/2020 i filled an online dispute # XXXX with Equifax that was incorrect also with XXXX XXXX dispute # XXXX and XXXX  dispute # XXXX please have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I had XXXXXXXX XXXX XXXXXXXX XXXX withdraw money from my account to pay this debt off with Midland Financial on an XXXX account. XXXX is showing the account is not settled and Midland Financial is playing both sides with me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT WORLD SERVICES, INC.
State: AL

Complaint narrative:
COLLECTIONS Cr World S Opened XX/XX/2017 - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MD

Complaint narrative:
Before the Covid-19 pandemic I have tried to get in a payment plan with Sallie Mae. They have continously given me the run around with no real assistance. Since the pandemic I was granted 1 covid forbearance. I've tried multiple times ( 7 - 8 ) times to get this handled and applied again but am told that there is nothing that can be done to help me. Today ( XX/XX/20 ) I spent almost an hour on hold waiting for my account manager to get back on the line to tell me what repayment options I had. She never returned and the call was disconnected. I called back, they stated she was unavailable and then told another associate to tell me to call back after XX/XX/20. Once again, no options and no help! I feel as though they want me to default on this loan. I am trying to pay what I can every month but can't afford it. Every single time I call someone gives me a different answer or a wrong answer. Its utter disregard for the customer and disgusting practices by Sallie Mae.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.

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 2020-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ghidotti | Berger LLP
State: AZ

Complaint narrative:
On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. 
They called me the first time at XXXX XXXX  and the again at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I called Relicard Customer service to order a replacement card. The duration of this call from start to finish was 6 minutes and 58 seconds. The representative I spoke to gave me the option of priority shipping at the cost of {$15.00} that would be deducted from my card. I choose this option. The representative then advised me to callback Friday morning for a tracking number to track the shipping of my new card that will arrive on Friday. She explained it was important to callback for this tracking number, so I was aware of the time it would arrive since a signature was required upon arrival. 
XXXX XX/XX/2020 at XXXX XXXX  I was on hold for approximately 1 hour and 41 minutes. ( Total call duration was 1 hour and 49 minutes ) The representative I spoke to was at first unable to find my current account information. This representative was extremely unprofessional. After she was able to access my account information she advised my card would arrive in 7-10 business days. I then tried to explain what I was advised on XX/XX/XXXX, and tried to get an explanation to why priority shipping was not applied. She then repeated herself, very impatiently that the card would arrive in 7-10 business days. I then asked for the representatives name that I spoke to on XX/XX/XXXX. After a brief hold she advised there were only initials in the file, no name provided. This representative then repeated the time frame within the card will be received and asked if I had anymore questions. I said yes, can you see if the charge of {$15.00} was applied for the priority shipping. She then repeated again, the time frame in which the card will arrive was 7-10 bussiness days. At this point I am begging her not to hang up, as you can hear in the recorded call she wants to end this conversation. I wanted to speak to a supervisor at this time. The representative then hung up on me abruptly. I have never dealt with someone so unprofessional in a customer service department. I am extremely disappointed in the lack of service 's provided by both representatives. The representative on XX/XX/XXXX was very unhelpful, inpatient and just quite rude. I am considering opening another account with a different bank and receiving direct deposits for my unemployment, just to avoid dealing with a Relicard representatives again.

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 2020-09-04 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: IL

Complaint narrative:
XXXX  and Experian are fraudulent on my following accounts : XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX/XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # 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 2020-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.

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 2020-09-04 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: PA

Complaint narrative:
I submitted a dispute letter because their was inaccurate information reporting on my credit on XX/XX/2020. I then sent out another certified letter due to the bureau 's failure to respond to my dispute on XX/XX/2020. I still haven't received a response and it is well over the 30 days allowed for re-investigation. It has now been over 60 days, This is a direct violation of my rights given by the laws in the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Between XXXX and XX/XX/2018 when I was sick, my credit cards were stolen and account access by a XXXX  XXXX  family member. I filed an identity theft report through FTC # XXXX. I advised the creditors and disputed with all credit bureaus and they are still reporting the information that was due to identity theft. Please delete all negative information as I paid these cards/bills on time prior to the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I purchased XXXX ETH  on Coinbase on XX/XX/2020. 

When trying to transfer that same sum of Ether out of my Coinbase wallet and into my own personal wallet, my funds were unexpectedly withheld for undisclosed " security '' reasons. Even after completing two-factor verification for the transaction, I received a message saying " A withdrawal from Coinbase is being delayed as a security precaution. '' The status of my transaction being displayed as " WAITING FOR CLEARING ''. My funds are gone from my account, but they're being withheld without any ETA or explanation. Coinbase support has been useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I filled out an on-line loan application. Based on the quote, I authorized them to pull my credit report. The quotation was 2.875 % for 30 years, with a loan cost of {$1600.00}. I then was instructed to call them to finalize the application. When I did XXXX XXXX ( XXXX ) of AmeriSave Mortgage Corporation said the 2.875 % 30 year mortgage loan would cost {$17000.00}. This is clearly a bait and switch operation. Please shut this fraudulent operation down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 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: TX

Complaint narrative:
Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report fromXX/XX/2019XX/XX/2019, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened up two credit card accounts with two different stores : Ashley Furniture & Lumber Liquidators. Both stores advertised the accounts as no interest for 24 months, but I noticed after a few months that I have been charged a monthly " card security '' interest fee on both accounts since the cards were opened. Synchrony Bank claims it's a " benefit program '' that I opted into, but I never willingly opted into this when I applied for the card at each store. Synchrony Bank, Ashley Furniture and Lumber Liquidators are scamming their customers and this should not be allowed to continue.

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