vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
WHATS IN YOUR WALLET? 

Only half of my money, because Capital One failed to protect my checking and savings accounts! And refused to reimburse me for {$10000.00} of unauthorized, fraudulent withdrawals. 

On Saturday, XX/XX/2020, I received a text message from Capital One asking if I had authorized a {$100.00} payment to XXXX XXXX. At the time, I did not know what XXXX XXXX was. I went to my online statement and realized that there were approximately 98 unauthorized transactions on my accounts, in the amount of {$22000.00}! About half of these transactions were labeled Mobile Debit Purchase XXXX XXXX XXXX sent XXXX XXXX CA. Then the other half were labeled XXXX Payment Sent to XXXX ; which I later learned was some sort of XXXX payment. I have never opened a XXXX acct or used one.

I immediately filed claims with Capital One.

After notifying all 3 credit bureaus, I found out the cybercriminal had tried to open accounts, in my name, with XXXX, XXXX and XXXX. These accounts were shut down and extra protection measures were implemented on all of my credit cards and accounts. 

Also, on XX/XX/XXXX, I filed a police report with the XXXX XXXX County Sheriffs Department and emailed it to XXXX. Detective XXXX XXXX took my case, started an investigation and sent out subpoenas. I continued to make phone calls to XXXX XXXX Claims Department and Security/Fraud Department, pleading my case and trying to recover the money that was stolen from me. I was repeatedly told, They were still investigating. 

Finally, on XX/XX/2020, I received a partial refund check in the amount of {$11000.00}, for the XXXX XXXX claims. Capital One still refused to pay the additional {$10000.00}, for the XXXX claims. I cited what I thought were my federal rights to the representative of Capital One, to no avail. If someone makes unauthorized withdrawals to your bank account using your debit card number, you are not responsible. 

Then, on XX/XX/XXXX, Det. XXXX said he had spoken to XXXX XXXX at Capital One. They discussed cracking the case. Apparently, there was a woman in XXXX, XXXX, that had committed these cybercrimes. Capital One had telephone recordings of her pretending to be me! XXXX said he would reopen the case and continue investigating. 

I continued to call Capital One for updates and a possible resolution. On XX/XX/XXXX, I was told none of the recent police reports had been entered into their system. And on XX/XX/2020, I was told XXXX, the investigator for Capital One ( XXXX-XXXX  # XXXX ) said the case was closed, that was the final decision and that I had no recourse! 

So, I am reaching out to you because Capital One has closed my accounts and will no longer communicate with me. Please help me recover the {$10000.00} that Capital One owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Lending Club Corp
State: KS

Complaint narrative:
I applied for a cash loan from Lending Club but was unaware that they would make me pay {$610.00} per month with an APR of 22,99 %. I am a senior citizen living off of Social Security and have called The Lending Club numerous times to lower my payments which they did for a few months. Now, they refuse to lower my payments or always refused to lower my APR. I advised them that I thought my APR was much lower according to a postcard received by The Lending Club and if they could lower it. The postcard advertised 7 % but it as never applied to my account. They are NOT FDIC insured. I can not afford to pay them that large amount as I wont be able to put food on the table or keep a roof over my head. The Lending Club allowed me to pay {$200.00} for a few months then about {$300.00} for 2 months which was already too much, plus they kept charging me the 22.99 % APR. Now, they wont give me a break at all. They also refuse to allow me to make one time payments online because one is required to put payments on auto-pay or mail in a check. They are money hungry, have no empathy and are making millions off of poor customers. I believe that you need to investigate The Lending Club. Please advise what you need from me and if you could respond I would greatly appreciate it. Thank you. XXXX XXXX. XXXX, KS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-12-12 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: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANNER CORPORATION
State: WA

Complaint narrative:
We opened a construction loan with a float down to conventional mortgage in XX/XX/XXXX. The financial institution was Banner Bank in XXXX Washington. Due to frustrations and poor customer service, we paid off the loan and moved the balance to another institution on XX/XX/XXXX. 

We prepaid inspection fees totally {$1200.00} and only {$600.00} of that was recorded against the escrow. As of XX/XX/XXXX we haven't received the {$610.00} refund or any explanation where the funds are. We've asked repeatedly, via phone calls and emails for a reconciliation and receive no response from the department responsible for the funds.

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 2020-12-12 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XX/XX/XXXX for an account that has been paid and closed since XX/XX/XXXX.It was a manufactured home that i paid off and sold in XX/XX/XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XX/XX/XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I recently had my credit pulled in order to get a home loan and i was shocked to see 2 60 day late pays on my credit report from XXXX and XX/XX/XXXX for an account that has been paid and closed since XX/XX/XXXX.It was a manufactured home that i paid off and sold in XX/XX/XXXX. Its never been on my credit report until this year more then 7 years later. I have called the company and they can not locate my file anymore and have said that they never reported a late payment from the records. So I've tried to dispute it with the credit bureaus but it has not been removed. I've attached a copy of my credit report that shows it closed since XX/XX/XXXX and an email from the customer care company that said they can't find the records of my account. Please help me. I am also going to file a complaint against the credit bureaus for not removing this item from my credit report or looking into it even because if they had the lates would be removed from an account that is obviously closed. Please help me get this resolved.

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 2020-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
DEBT RECOVERY SOLUTIONS : Why does this name not surprise me to see them on my credit report once again. 

I have fought with them and bickered with these rude people everytime I have tried to call them. I have explained to them this debt is not mine, I do not have knowledge of this debt, But these people can not seem to get it through their heads. 

It seems that if this mess can not be resolved then I have no choice but to involve this matter in litigation and tie this matter up in court for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the Equifax date breach. Please resolve this in a timely matter. I will be attaching my original disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 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: CA

Complaint narrative:
I disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the XXXX date breach. Please resolve this in a timely matter. I will be attaching my original disputes.

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 2020-12-12 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: UT

Complaint narrative:
I submitted a dispute via letter with Equifax on XX/XX/XXXX and it is now XXXX/XXXX/XXXX and there was no response and Equifax is non compliant with the investigation an did not response in 30 days and do a proper investigation. The law states that they have 30 days to responded and to do my investigation. I asked for them to provide proof that I was late on XX/XX/XXXX on the XXXX account reporting on my credit report and they did not provide an investigation on the account in question to correct the inaccurate information within the laws timeframes which make them non compliance and in violation. I was never late on this account, all that I ask is that they correct the XXXX account as never late and to update the alleged XX/XX/XXXX late to a positive standing and showing the account as never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
I don't know what these accounts are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had Sallie Mae, the NAVIANT student loans for a longtime. I have been steered in may directions, I originally borrowed {>= $1,000,000} for my schooling which has now grown into a balance of {$400000.00}. First, I believe they have miscalculated the amounts I owe, which includes misguiding me so that options were not discussed and/or any possible ramifications, secondly, no one ever explained anything about deferments, any other options to me thought my loans which I have been paying for nearly 20 years, they do not have any answers for me, when I ask them, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding Has place a collection for XXXX on my credit file and they have no contract signed by me. I have never heard of this company and if they bought it from the dark web all contracts had been cancelled with creditors. I have not opened any counts I have been out of work since XX/XX/2020 due to COVID 19 and underlying medical conditions. Do the the FCRA they are violating my rights and placing adverse Information and amounts on my credit when the president signed into effect that a creditor could not ruin your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I believe I was the victim of false promises made by Charles Schwab and its partner XXXX Loans. If not willful, it was due to willful negligence. 
In summer of XXXX I wanted to refinance and replace a HELOC on my personal residence. I did a lot of research of many programs. At Charles Schwab on XX/XX/XXXX, I was referred to Mr. XXXX XXXX and he told me I could refinance my house and obtain a " piggyback '' HELOC for {>= $1,000,000} ( based on the equity in my house ) at very favorable terms ( 3 % APR, no fees ). Based on what he told me, I chose to refinance with Charles Schwab via their loan partner XXXX XXXX ; the loan closed XX/XX/XXXX. During the refi process, I repeatedly asked when I could discuss the piggyback HELOC and was told to wait until closing. Just prior to closing time I asked again and was told, for the fist time, that my refinance did not qualify for the piggyback HELOC, or for that matter any HELOC due to the type of my refi. No mention of this was made by Mr. XXXX and a Charles Schwab representative later acknowledged he did not properly inform me of the terms of the offer. 

I've attached an e-mail from Mr. XXXX where he informs me of details of the HELOC offerings but does not mention any restrictions and does not inform me that my refi type doesn't qualify me. I've also attached a copy of the Schwab web page where they describe their HELOC products with no mention of the restrictions that later prevented me from obtaining the piggyback HELOC.

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 2020-12-13 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: Self Financial Inc.
State: OH

Complaint narrative:
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for 1XX/XX/2020 XX/XX/2020 XXXX XXXX SELF LENDER # XXXX. Due to the Pandemic shutdown I was effected financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Looking over my credit report I noticed there was a late payment showing and due to the pandemic/hardship I was not able to make those payments on time. The following account that shows late payment for XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic shutdown I was effected financially.

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 2020-12-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX of this year I was charged from XXXX XXXX around XXXX and change for vape oil that I did not receive. When I was living in mass there is a law for flavored vape oil that you sign -- I was left a slip by the USPS and put RTS and denied on the slip -- I did not sign for it and I implore citi bank to have the usps show them or mig vapor to show them where I signed bc I did not -- hence never getting it.

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 2020-12-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have deposited check written in my name to my bank. I did open a new savings account with the bank to deposit the check. When I checked on transfer of the money I was told that money from the account was taken back. I reported to my bank about his fraud activity. The bank has freezed my account and closed it. When I went to the bank I was told that bank is cutting all ties with me and I will receive the resolution letter about this investigation in the mail. I am still waiting to find out what had transpired.

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 2020-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a formal written request to all 3 credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX TransUnion andXX/XX/XXXXon XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.

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 2020-12-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I submitted a formal written request to all XXXX credit bureaus seeking the deletion of erroneous and inaccurate information contained in my credit file on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020 In my letter sent and received by XX/XX/XXXX and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 6 months from my first written request and almost 4 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation