vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is a matter regarding Capital One. In 2008, I purchased several XXXX XXXX XXXX at XXXXXXXX XXXX which was subsequently absorbed by Capital One. Recently this year, I discovered two of the XXXX 's in my safe that had not been cashed. When I went to cash them, I was informed that the monies from the XXXX 's had been placed into my bank account once Capital XXXXne became responsible for them. It must be noted that this process occurred over 12 years age. When I requested documentation and evidence regarding this matter, Capital One stated that after 7 years, they are not responsible to maintain records on accounts. With that being said, how was Capital One able to have records about monies being transferred from the XXXX 's to any other account. Clearly, their response is contrived. They dropped the ball. They are trying to steal {$17000.00} plus interest from me. I have the the XXXX XXXX 's. In order for them to be cashed, I would have to endorse the back of them and give them to the bank clerk for processing. Capital One even denied that was the process which by the way, was the manner in which I cashed all of the others. In addition, Capital One created a financial hardship for me with their mishandling of {$30000.00} that I had deposited by sending the money to an Unclaimed agency. The money was in Bank Checks which I later was informed had a 5 year life. Capital One has been negligent in explaining their policies and time frames for XXXX 's and Bank Checks. And, in this case, they are trying to cover their tracks by claiming they have no records to verify their claims of what happened to the XXXX funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a credit card with XXXX XXXX XXXX XXXX XXXX I make payments on the due date but sometimes after XXXX. I am charged a {$35.00} late fee for payments made after XXXX. My most recent statement I have {$310.00} in fees charged in 2021. I may have made a payment the next day once or twice I'm not saying every fee should be waived however I think its wrong to be charged a {$35.00} fee for making it after XXXX when 95 % of other cards you have until XXXX pm to make a payment before being assessed a fee I contacted the credit lender and they said because they are in a different time zone it goes by there time zone. I am looking for resolution from your office this is unfair to the consumer I feel like it is an extra way for them to take advantage of the public and charge these fees. All creditors should operate with the same practice of XXXX PM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Refinanced my vehicle loan with Capital One in XXXX. A new loan has been opened under my name with a payment due XX/XX/21 however capital one continues to fail paying the bank that currently holds the title. I have reached out multiple times with no success reaching a solution to the problem. I have been told countless times they would get an overnight payoff sent and call me back to confirm and never hear back. I have been sent to multiple departments including XXXX with the customer resolution team who continues to give me a different story every time I reach out and fails to follow up with me as promised. 

I now have two open accounts on the same truck and two payments due and no help from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
We have been trying to refinance, with what we thought was a good credit record that has no missed or late payments for the past 25 months, no negatives on our credit report, yet was told today that our loan is showing a 50 year ( 600 month ) loan and the first three payments made when the loan transferred to SPS Mortgage on XX/XX/XXXX to XX/XX/XXXX not being reported to the credit bureau is stopping us from refinancing with any of the top mortgage lenders. We've disputed this with SPS various times before with they're response for the 3 missed payments being a litigation filed. 

There was an initial court filing but was soon withdrawn by the attorney because he did not want it stand in the way of us refinancing. SPS response to them not reporting the first three months was because of a litigation. The litigation was soon after removed but they refuse to correct the reporting to show that we have made consistent and on time payments. 

Concerning the 50 year term. That does not exist for our loan, we were told to look at the Note for the loan that dated XXXX that is the same date of the loan they list on the credit reports. That loan was an 30 year XXXX XXXX loan and that a mortgage Servicer follows the Note, which as they listed would be the one dated XXXX which is the same year of the Deed. 

The prior ( to SPS ) mortgage servicer also listed the date of the loan as XXXX, but they reported the terms accurately of being a 30 year loan ( 360 month ). 

There was a loan mod, that changed things to a 40 year loan, but Servicers follow the Note as what the prior Mortgage servicer did because it also referenced the loan by the 2005 year date. 

Every time we applied to refinance we were told that the 50 years term makes our loan look really bad and that it should not be on the credit report because there is no NOTE to support it. The year of XXXX and the original loan amount of {$190000.00} that SPS reports for the loan should also include the original terms that properly represent the loan that is 30 year fixed. I have attached both documentation to both problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
COMPLAINT DESCRIPTION I entered a contract by deception with XXXX XXXX XXXX in XXXX of this year XXXX. The down payment of the contract in the amount of {$2000.00} was placed on a RCI credit card with zero percent interest for six months. The only other billing that should have been placed on this account was the maintenance fee of {$81.00}. Three consecutive payments made to RCI to pay off the down payment are as follows : XX/XX/XXXX-check # XXXX/ {$1000.00} ; XX/XX/XXXX-check # XXXX/ {$500.00} and finally on the web site XX/XX/XXXX- {$500.00} confirmation # XXXX  for a total of XXXX. Payment for the resort was being paid to a company called XXXX XXXX XXXX in the amount of {$300.00}. Consecutive payments were made to this company as follows : XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-reference # XXXX  ; XX/XX/XXXX-refence # XXXX  and finally XX/XX/XXXX-reference # XXXX. I notified RCI dispute department as soon as I noticed the first of double payment made by XXXX XXXX on XX/XX/XXXX. When nothing changed a second charge occurred on XX/XX/XXXX which prompt me to speak directly with a manager in hopes of clearing up this problem. Manager XXXX, ( in the dispute dept. }, asked me to send documents proving payments made. I received a denial response to my mailing ( XX/XX/XXXX ) saying that they never received documents from me allowing them to pursue credit from the merchant. I called and spoke with XXXX XXXX Financial Service Manager Mr. XXXX XXXX on XX/XX/XXXX. He emailed me documents of my contract on ( XX/XX/XXXX ) but never addressed the issue of the double billing. I called to speak to him again, however, he has not responded to my calls. This leads me to believe that he feels there is no real issue. My last attempt to clear up this misunderstanding was to call the RCI FRAUD Department, where I spoke with manager XXXX ( ID # XXXX ). XXXX asked me to send in documentation once again as proof of payments. The documents were mailed on XX/XX/XXXX by priority mail. The tracking number showed RCI received my documents on Monday XX/XX/XXXX. I called on XX/XX/XXXX to follow up on this issue to the Fraud department. Relationship manager XXXX talked to the Fraud personnel only to find out there was no documentation on my file for Fraud. That was my last straw. There appears to be a total lack of communication, documentation, and interest to the status of clients associated with RCI. Please note : the RCI account is charged and interest rate of 18.24 % on all outstanding balances and a {$29.00} late fee for non payment.

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 2021-10-29 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX -XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX -XXXX XXXXXXXX  # XXXX -XXXX XXXX XXXXT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have submitted numerous disputes to to the bureau 's to have this fraudulent collections account removed from my credit report because I have not contracted with them They/Midland credit management do not have my signature verbal or written

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On Friday XX/XX/2021, I was attempting to Purchase an XXXX XXXX XXXX with XXXX XXXX XXXX. This is a monthly installment plan, financed through Citizens One. You can see the link here : https : XXXX I was able to move through the XXXX, inputting my personal information, including Social Security Number to have my credit checked by Citizens One before proceeding to the " Place Your Order '' page. My credit was approved, but when I went to " Place Your Order, '' I got an error. I assumed that this meant that the device sold out. 

I contacted XXXX XXXX support and was told that when I received a Welcome Email from Citizens One, I would be able to place the order. I received the email about 1 hour later, at which point my shopping cart had timed out. I set up my account on their website anyway : http : XXXX After setting up my account and logging in, I noticed that my Available Credit on the Citizens One account was diminished by the cost of the XXXX XXXX XXXX package ( {$920.00} ). But again, I never got to place my order with XXXX XXXX. I contacted XXXX XXXX customer support again. 

After the ( very kind ) representative took time to investigate and see what happened, she informed me that the XXXX were sold out, but that XXXX XXXX could not do anything about the loan, and I should contact Citizens One. When I tried to call them, I was presented with a phone menu that did not allow me to speak to a customer service representative or give me any relevant options that would help resolve my issue. 

As of the time of this submission, 5 hours later, XXXX XXXX is still allowing people to set up a Citizens One account, but not actually checkout and purchase the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2021 around XXXXXXXX XXXX EST, I received a phone call from someone posing as a Wells Fargo Bank representative. The person identified himself and called from the Wells Fargo customer service number ( XXXX ). The person informed me that someone in XXXX, Florida by the name of XXXX XXXX was trying to wire {$3500.00} via XXXX from my Wells Fargo debit card that ended in XXXX. The person told me I needed to log onto the Wells Fargo website. He informed me that the money in my account ( he knew the nickname on my bank account ) was froze. He told me I needed to wire {$3500.00} via XXXX back into my account. Initially I was unsure if the person was an actual Wells Fargo representative, but since he called from the Wells Fargo phone number, had my cell number, and knew the nickname on my bank account, I thought he was a real representative. In addition, I am unfamiliar with XXXX. So I followed his instructions and completed four transactions that totaled {$3500.00}. Unfortunately, I provided him the verification code I received via text message. After I completed the transactions, the person immediately hung up the phone. I immediately re-dial the number he called from, which was the number to Wells Fargo customer service. I spoke to a Wells Fargo representative and filed four claims. Just fyi, prior to this incident I lost my wallet at a restaurant in XXXX, VA. Therefore, I believe this person had my old debit card number and go access to my personal information and bank account information. The person sent me a message alert via text from XXXX. 

I received a status update from Wells Fargo on XX/XX/2021. Wells Fargo informed me that the bank contacted XXXX to try to get refund on three of the four claims. Wells refuses to accept one of my complaints, although I did not knowingly nor intentionally transfer my money to scammer. Wells Fargo also informed me that the bank is at XXXX mercy and XXXX does not have a specific time frame ( and perhaps obligation ) to respond. 

This complaint is against Wells Fargo.

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 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I have been trying to get my consumer report from Early Warning Services for 8 months now. They have a online system that is available to receive a consumer report however they have not sent it to me via their online system and I have mailed them to request my consumer report and they still haven't sent it to me. This is unacceptable. As a consumer, I have the right to know what is on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
The accounts for Affirm were closed and the debt has been i paid in full, accounts show still owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The accounts for XXXX were closed and the debt has been i paid in full, accounts show still owed

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 2021-10-30 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: NJ

Complaint narrative:
The accounts for XXXX were closed and the debt has been i paid in full, accounts show still owed

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 2021-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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: ATG Credit, LLC
State: IL

Complaint narrative:
I have file several dispute to the bureaus, and creditor in regards of the inaccurate, errors, name, addresses and derogatory items on my credit report.. It's well over 90 days and I haven't received any results nor correction or deletions off my credit report ... At this point the parties involved is in violation of the FCRA and compliance law.. 

pleas help me by assisting with making them comply and and remove the items off my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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:
Ive recently gotten a copy of my credit report and disputed the accuracy of of the accounts that are in question. The credit bureaus responded saying that the items were verified, Ive taken another look and I find it hard to believe that these accounts were verified. EVERY single account is INACCURATE and violates the FCRA. Ive documented ALL of the INACCURACIES and I want all of these accounts removed IMMEDIATELY. The credit bureaus are in VIOLATION. I refuse to be taken advantage of. If the accounts are verified I want proof of it. I refuse to keep getting computer generated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Ive spoken to several representatives at Equifax concerning the problem of them not receiving any documentation that I have clearly submitted! I have mailed in documentation that was mailed via certified mail and I have also faxed in all necessary documents requested by Equifax to fax number XXXX. Ive spoken to agent XXXX in the XXXX XXXX Care Fraud Department and his supervisor XXXX employee number XXXX  on Wednesday XX/XX/21. XXXX instructed me to yet again wait until Friday XX/XX/21 for the documentation that was faxed in on XX/XX/21 to be uploaded. The US postal service gave me confirmation that my dispute letters and supporting documentation was received by someone at Equifax on XX/XX/21. I also called in today on XX/XX/21 to follow up again and I was told that they havent received any documentation from me since XX/XX/21! Thats ridiculous! I have inquiries on my consumer report that I have instructed Equifax to remove and they refuse to follow the FCRA! They are clearly violating my consumer rights! The agent that I spoke to today has stated that she filed a complaint on the mail department because they arent doing their job by not uploading my documents, and the complaint number is XXXX, and she also filed a dispute to remove the unauthorized inquiries listed in my FTC report. The Dispute confirmation number is XXXX. Equifax has refused to upload my dispute letter which has supporting documentation to remove the unlawful late payments being reported on my XXXX accounts. This under the FCRA is defined as willful negligence and violates 15 usc 1681n.

Company response to consumer: Closed with explanation