vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Reference : Capital One Mastercard # xxxx, closed by consumer last year, due to the preference for a different rewards card. I had made a deposit for a cruise on XX/XX/XXXX of {$600.00} to XXXX XXXX on this account back when the account was open. The cruise was cancelled on XX/XX/XXXX, by the cruise line due to Covid-19, and I chose the option of receiving a full refund with the cruise line, which would be paid in 60 days. The service, a cancelled cruise by the cruise line, was never provided, and they never refunded my deposit or balance paid on another card, XXXX. I then sought reimbursement from Capital One, initial {$600.00}, and XXXX which the balance was purchased on. XXXX credited our account immediately but Capital One will not send the paperwork to file the dispute. 

I spoke with a representative named " XXXX '' on XX/XX/XXXX, at XXXX. XXXX stated Capital One will send a packet immediately, in order to provide the details of this dispute. After a week, I called back and explained I haven't received the packet, and they asked that I wait 2 weeks. I just called today XX/XX/XXXX, spoke with XXXX, and was told it would be 30 days before I would see this packet to file a dispute. I fear this particular company is employing a stall tactic. 

Background on the cruise line not crediting my account : On XX/XX/XXXX, XXXX stated Your Refund Reference Number for this request is xxxxxxxxx. Your refund will be processed within 60 days. I have reached out to XXXX and the travel agent, XXXX XXXX XXXX but with no success. I then contacted Capital One for the {$600.00} placed on this card. Per card conditions, since the services were never provided, the credit card should be crediting my closed account for {$600.00}. 

I am asking that Capital One credit my account for {$600.00} and subsequently send a check given that I closed the account last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX, XXXX, XXXX ( TU ) Names : XXXX XXXX ( TU ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( TU, XXXX, XXXX ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU, XXXX  & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( XXXX  ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX  ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( 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 2020-07-03 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: GA

Complaint narrative:
There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, XXXX, Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Equifax & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( Equifax ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Im not aware of this hospital debt, I need this debt to be verified, and if it is not verified then it needs to be taken off of my credit report. Please and thank you Collection Open date : XXXX XXXX XXXX Original Loan amount : {$420.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-03 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NOTICED THAT BECAUSE OF THIS, THERE HAS BEEN A DROP IN MY CREDIT SCORE. IT HAS CAUSED A GREAT DEED OF STRESS ON ME.THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is about account ending Double Cash ending XXXX. I received a letter in mail on XX/XX/2020 asking me to review suspicious transactions on my Citi Double Cash Mastercard ending XXXX. However, I do not remember my login information to Citi and can't review the transactions. I have also lost the card and without full account number customer service representatives won't help me over the phone. Please mail me a new card with updated account number.

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 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP
State: IL

Complaint narrative:
My XXXX  XXXX office uses US Bank to collect online payments. Their accounting system sends autogenerated letters, presumably when payment records are not transmitted among the different parties. 

I received a notice that I had over {$200.00} in payments due to the pediatrician in a letter datedXX/XX/XXXXwhen I knew I had paid several of the bills. The most recent charge was {$79.00} for a visit on XX/XX/XXXX. On XX/XX/XXXX when I opened the letter and saw the stark " will be forwarded to a collection agency '' message, I called to understand the payments ( I had receipts for them ) and a woman named XXXX who worked for XXXX XXXX XXXX hospital indicated only the most recent charge was due. Note that the doctors office typically collects a co-pay and then if there are additional charges after the copay, they send the bill to my home - so between XX/XX/XXXX and XX/XX/XXXX the only bill I received was a " Final Bill Notification '' threatening to forward it to a collection agency if not paid within 10 days. In any case, I made a note of my conversation with XXXX, thanked her and immediately paid the XX/XX/XXXX remaining charges via XXXX 's online portal, hosted by US Bank. 

A few weeks ago, a letter arrived stating I still owed the {$79.00}. I threw it in the trash because I have a receipt and credit card statement showing that it was paid. Today, XX/XX/XXXX, another letter arrived, dated XX/XX/XXXX, stating that I sill owed the {$79.00}. This is abusive and it is likely due to some bad programming between the customer ( XXXX ) and the bank ( US Bank ). I wonder how many other parents receive these letters and have to waste time calling to confirm they paid, or submitting a complaint to CFPB? It is also a waste of paper. Please investigate US Bank for their threatening tactics and poor IT design/management that results in customer abuse.

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 2020-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have an XXXX account and PNC won't allow me to link my checking account and XXXX Account to round up my purchases to use as investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I made a purchase on XX/XX/2020 and I haven't been able to make any more purchases since..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
In XXXX of XXXX I sent the offices of Suttell & Hammer ( XXXX XXXX   XXXX XXXX, WA XXXX ) a letter requesting the validation of an alleged debt from XXXX XXXX. On XX/XX/XXXX I received solely billing statements as a response. In my original request for debt validation I requested a total of 14 different pieces of information including the original signed application and agreement. In my original letter I stated the following. 

" Your claim can not and will not be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. '' Billing statements alone do not provide sufficient evidence needed to validate a debt. 

On XX/XX/XXXX I was notified by a housemate that a process server had come by in an attempt to serve me papers for a lawsuit. I then called Suttell & Hammer and inquired as to why they would move forward with legal action without properly completing the debt validation process. The dropped the suit the same day that I called them. 

On XX/XX/XXXX, almost seven months later, I received another envelope from Suttell & Hammer with the same billing statements as well as an affidavit of plaintiff. The Affidavit in no way provided any evidence that this debt belonged to me and stated only that the Affiant had alleged " personal knowledge '' about the record keeping practices at the original bank in which the debt allegedly originated from. 

I believe that it is an unfair practice to not only wait almost seven months to respond to a debt validation request, but it is also an unfair practice to use intimidation tactics such as lawsuits and affidavits as a way of collecting on a debt that can not be validated sufficiently. 

I would like to ask Suttell & Hammers collection practices be investigated and I would also like to request that if they can not provide the adequate documents to verify this debt, that they discharge it at once. 

Attorneys cited on Affidavit include the following XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When I apply for my CR online, per their website ( Experian ), I get referred to this site : https : /XXXX Alas, when I enter my information into this site both XXXX  and XXXX provide my report immediately, but Experian states there is a problem with the site and I have to request my report by mail. This happens every year. They deliberately make it difficult for us to get our report. I should not have to apply by mail. 

( We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 non-monetary relief
Consumer complaint received 2020-07-03 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: FIRSTBANK
State: CO

Complaint narrative:
I opened a checking account with First Bank in XXXX. In XXXX I made a transaction that First Bank paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. First Bank decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from First Bank from XXXX. I have shredded all paperwork associated with First Bank since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to First Bank several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since First Bank opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt First Bank does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, we closed the sale of a condo located at in XXXX, AZ. Selene Finance is the servicer of the loan we had on the subject property. We never received a XXXX Form 1098 in order to file taxes. Since we paid off the loan, we were no longer able to log into the account to obtain the 1098 on our own. 

On XX/XX/XXXX, I contacted Selene and requested a copy of the 1098 be sent to me in order to prepare for taxes. I was advised it would take 7 days via email to receive it. I never received it. 

On XX/XX/XXXX, I contacted Selene again to advise I never received the 1098. I was advised it should take 3 business days to receive it by email and it will come encrypted. I never received it. 

On XX/XX/XXXX, I spoke with XXXX at Selene and advised since I did not receive the 1098 by email, please send it by regular mail. He confirmed the mailing address and advised it would be mailed within 3 business days. I never received it. 

On XX/XX/XXXX, I attempted to escalate the matter to a supervisor. I spoke with XXXX in customer service who advised her supervisor, XXXX, would call me by XXXX Eastern. I never received a call. 

I am not sure why it is so difficult to receive a copy of a 1098. But if I do not receive it, I will not be able to file my federal income taxes. This is a big problem. Since no one at Selene, not even a supervisor, seems to be able to assist me with what should be a simple task, I have no choice other than to escalate this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The options I chose are not exactly what happened but I chose as best as possible. I was the victim of XXXX  malpractice. As a result I had to see a number of specialists, an ER visit for several days, etc. My husband arranged payment plans for all my bills. We were making regular, monthly payments with this particular creditor until XXXX when the coronavirus really hit us financially. We did fail to contact them to tell them of our hardship - it was kind of sad and embarrassing to be honest - however with utilities, et al giving hardship forgiveness, we figured these creditors would too. However, they never sent us a warning or final bill ; never tried to contact us to see what was going on - even though it should have been obvious. They just sent it straight to collections. I feel this is horrible - really uncaring and inconsiderate all things considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: MA

Complaint narrative:
I ordered custom-made-to-order Kitchen Cabinets from XXXX XXXX on XX/XX/XXXX in the amount of {$3800.00}, using my CitiCard credit card. The day I was told they were to ship, the Company went out of business. I have never received my order and the Company XXXX XXXX XXXX, that eventually purchased the bankrupt XXXX XXXX has not been able to locate my order or provide any assistance. They state XXXX XXXX XXXX is the primary point of contact for claims, but the Website they referred does not exist. I called CitiCard and disputed the credit card charge, and the amount was deducted from my statement. My XXXX statement from CitiCard included a letter dated XX/XX/XXXX reversing the disputed amount, based upon XXXX XXXX XXXX XXXX response to the dispute. The response included no insight as to what happened to my order. CitiCard states they have closed their investigation, and I would need to provide confirmation that I have still not received the merchandise. I mailed all copies of all correspondence to CitiCard on XX/XX/XXXX, with no response, so I remailed everything on XX/XX/XXXX via Certified Mail. I paid my XXXX CitiCard statement, but deducted the disputed amount.

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