vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-29 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
For years XXXX offered {$19.00} per year membership, then on the renewal bill the charge was {$54.00}. Naturally this increase was not acceptable and XXXX was called multiple times to cancel, but they did not answer the phone but routed to automated system. On XX/XX/XXXX I called and after over 5 minutes when no one picked up, I hung up and then sent an email. Since the previous year was paid with a Capital One credit card that EXPIRED in XX/XX/XXXX, logically no new {$54.00} charge would be authorized. How very wrong was that conclusion. After receiving a Capital One statement with the XXXX {$54.00} charge, XXXX was called again and finally they answered the phone. I confirmed that I wanted to cancel, and I was told the {$54.00} would be refunded back to the Capital One card. On XX/XX/XXXX I called Capital One to dispute the {$54.00} charge. When Capital One contacted XXXX, they were told the {$54.00} charge was valid! XX/XX/XXXX XXXX had processed a paper check, which when it was delivered, I called XXXX  and told them that I did not have a local bank and that the check would be shredded. XX/XX/XXXX I spoke with XXXX in XXXX membership relations and repeated the same information that the card was expired, the membership was cancelled, XXXX promised a refund on the credit card and instead a paper check was issued. She said that because the card was expired, the refund credit would not process. XX/XX/XXXX Capital One again reinstated the {$54.00} charge on the account with a due date of XX/XX/XXXX. XX/XX/XXXX Capital One was told to activate the credit card, even though it was made clear since XXXX that I did not want to continue doing business with Capitol One. Capital One promised to contact XXXX and verify the card was activated and the {$54.00} charge could be refunded. XX/XX/XXXX I called XXXX at XXXX and they hung up on me! I called back and again spoke with XXXX and again explained the entire situation. She said she would have her supervisor call me. At XXXX I received a call from XXXX  employee who proceeded to tell me XXXX  would only process another paper check. She flat out refused to take the credit card information to process the refund on the credit card. Capital One is complicit in this situation for allowing a {$54.00} charge to process on an expired card, manipulating the activation on the expired card, and then payment for a disputed charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
XX/XX/2020 my car payment with Capital One Auto was due. I wrote to XXXX XXXX, CEO to no avail. I called Capital one auto XXXX XXXX. Explained I was in a bad fall due to slipping on milk leaking from an employee s cart and had fractured two XXXX in my XXXX and hurt my XXXX XXXX XXXX. Lawsuit against XXXX in process. The cap one rep asked me to answer questions from a computer and at the end said sorry about that there's nothing they can do. 
I told him I lost my job as I'm a XXXX  and NH has been in shutdown since XXXX. 
He said sorry. 
I have paid 19 payments of {$290.00} every month. 
I asked for lower payments, loan extensions, they just added another {$14.00} late fee even though he said he'd waive it. I just paid it. 
I'm on social security and get s small XXXX pension from a divorce. 

They will not work with me and I'm in a temporary shelter the County put me in due to my age, XXXX and I just got out of the XXXX and was brought to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: GA

Complaint narrative:
so i file unemployment i was expecting my card but my card never can in the mail i start reciving deposit from my state unemployment since XX/XX/XXXX but never recived the card in the mail then later i try to call or reach way 2 to go pogram the only way to contact them by phone but i call they never anwser maybe short of stuff people staying at home and working so i recived total of XXXX total in benefits but XXXX dollars was made in fraud purchases from XX/XX/XXXX to XX/XX/XXXX but i could not see this trancsations because i never recived the card and you cant access the website without a card. and you cant check your account by phone without the card. so i was ok maybe when things get better i call again anyway card is not activated so i try to call multiple times and sometimes i waited 5 hours on hold and the disconect and finally so one anwser and other i new replacement card this was on XX/XX/XXXX so when i was talking to the person i ask what was the balance on my card she said XXXX and ask her why suppose to. be more than that she said it was only XXXX i ask her if the lost card was activated she said no so i know some people was getting payments from unemployment delayed so i think that was the issue maybe but no when i recived my card i activate and made my login for the website and then i spend the XXXX left thinking thata maybe the other payments was delayed then XXXX day i went to see all transactions that when i notice that XXXX was use in fraud purchases i made a report on XX/XX/XXXX of XXXX then it took 46 days to investigate the dispute then they denied me but they make so hard to communicate with them and also they did a XXXX dollar purchase in a XXXX or XXXX and how that didnt alarm them no one spends XXXX in a store in foods

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed the following account with XXXX  and Equifax and after an investigation by XXXX  It was found to be unverified/inaccurate and removed from my credit report. Equifax has still not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I have included a screenshot of the removal by XXXX  from my XXXX XXXX account as proof and I give permission for you to run my credit report to see that it was removed, I am once again asking that Equifax investigates the following account and I would like verification/proof, copy of contract or signature showing the true ownership of these account or the removal of these inaccurate/unverified account. 
1. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are XXXX XXXX, and Regional Acc. I tried getting in contact with these two companies but still havent heard anything from them.

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 2020-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX  reporter debt verified but not sure how it was verified if I have no knowledge of 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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
SYNCHRONY BANK PAYPAL MASTER CARD. 

I have been used this credit card for almost 10 months on row, paying on time and all.Today all of a sudden o get notified by buru office that my credit catd has been closed. 
I called the bank and they said that was because of inactivity. 
The reason that has been provided is not true.i has used this card for almost all my day transactions, so its not convincing to close my account that way.

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 2020-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

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 2020-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bought a XXXX  hoodie on XX/XX/XXXX, and realized that it was not the color Id like 20 minutes after the purchase order was placed, so I sent in the cancellation email to XXXX  customer service to cancel the order on XX/XX/XXXX or early am on XX/XX/XXXX. I called XXXX  the next day on XX/XX/XXXX and no one answers the customer service hotline. On XX/XX/XXXX XXXX  provided a tracking #. XXXX customers service responded on XXXX stating that they can no longer change the order and stated that I could return the item and point me to their website. Then I went to the website and it says the order cant be found, so no return label could be printed. Upon receiving the unwanted order, I declined the package on XX/XX/XXXX. 

I provided the cancellation email and XXXX  refund policy to capital one, and still couldnt get the money back. Their dispute department isnt working very efficiently compared to a few years back. This case is simple and obvious. I even got a return confirmation from XXXX. Not so sure how could capital one not refund my money on such an obvious case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Something is definitely wrong here and I need help. 
I am being overcharged in the transaction. I am being taken for a ride by this institution. 
{$2100.00} being termed as corporate advances. This institution does not pay for neither my property taxes nor my home insurance. What do they call corporate advances? 
{$19000.00} being charged as interest. Chase claimed that the balance due was at that time {$82000.00}. The interest rate comes up to 23.60 %. When the {$2100.00} is added to the {$19000.00}, the interest becomes 26.19 %. 
At 23.6 %, monthly interest charges amount to {$970.00}. 
At 26.19 %, monthly interest charges amount to {$1000.00}. 
The loan was in default for a period of 20 months. 
I have done my own personal research which proves to me that the balance of the loan at the time of default was {$74000.00}. Under these conditions, the interest rate will become 26.21 % and 29.09 %. 
Off course, I am a member of the minority. I can be abused. Its okay to discriminate against me. But. It is not legal. Abuse and discrimination have never been the name of the game. 
Since 2013, Chase has been ignoring my request for an answer. Clueless over the institution 's behavior, I stopped paying the loan with the hope that I will be able to meet someone to discuss the matter. Instead, the loan went back into foreclosure. On the first Court appearance, their lawyer stated that the case can be settled for {$2000.00}. I told him that I'm ready to pay the requested amount provided that I get the information that I'm looking for. He spent a whole year coming to Court every month without an answer. On the last Court date, he told me that he will see me in one month.

I become suspicious because there was no assigned Court date. Before the month was over, I went back to the Court. I spoke to the clerk who told that I have to take quick action if I want to save my house. That was then that I realized that the bank 's lawyer had lied to me. I went home. I called the bank. We started some negotiations. At the end, to add insult to injury, the bank charged over {$15000.00} on top of what they were already charging me. Remember that their lawyer makes me an offer of {$2000.00} that I conditionally accepted. 
The interest amount had always been the main problem. I wanted to know how they arrived at this number, {$19000.00}. It has always remained a secret. This is the secret that Chase has been unable to disclose. 
Best regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
This account has been charged off by the original debtor. It is way past the statute of limitations. It has been sold various times over and over to debt collectors. Ive been a victim of harassment for over 11yrs. Since XXXX or longer Ive had wages and bank accounts garnished with no detailed proof that the debt is actually that of mine. Ive requested to see a print out or statement from the original creditor showing a detailed breakdown of every charge. A fradulent debt from years ago has now turned into this massive debt. I have no idea what I am paying for or how theyve reached the sum of over {$16000.00}. 

To this day, I have no proof of how the debt was created and again that the debt is actually that of mine. Years ago I explained to the credit card company charges were not mine. The credit card company agreed to look into it. I didnt realize fraudulent charges were made on this card in my name till months later. Unlike today you get a fraud alert immediately. Years ago this did not exist. 

Back then I was younger, inexperienced and had no money. I didnt know how to fight it or stop it. To this very day, the fraud continues to haunt and plague me. It is like a curse. 

I spoke with an attorney representing the firm in XX/XX/XXXX explaining that I had been a victim of fraud. He told me to take some time gather whatever info I can get and send it to him. It took sometime to gather all the information again after several years had passed. Some documents I had to send for others were in storage. In XX/XX/XXXX, I sent a huge packet of information, police report and other documents indicating stolen identity, forgery and fraud. They never once by mail or phone, even as a courtesy acknowledged that they received the information, would look into it, try to work with me and help clear my name. Nothing in a caring or consoling nature. 

But instead, by their actions they've proved to be the predatory debt collector who prey on the innocent. They sent me another garnishment letter. How insensitive! I feel like the fugitive, accused of a crime not committed. Will you please help me end this?

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 2020-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: COMMERCE BANK
State: MO

Complaint narrative:
I use commerce bank. On Monday the XXXX of XXXX i deposited a money order for XXXX into my account. They put a 7 day hold on it for a XXXX reason. They still have not released my money for me to use but they have sure started taking part of it. They keep XXXX  my account everyday and changing deposits and transactions around to make my account go negative so they can take more money from me. They are theives and XXXX and someone needs to stop this XXXX before i do. And i do have proof of everything they have done to my account and the money they have stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I reported a Fraudulent account being opened in my name at TD XXXX  ( XXXX XXXX XXXX ) re : XXXX  XXXX  on XX/XX/2020. I can not find a way to communicate with this entity to resolve this matter. I initially communicated verbally to the customer service department on XXXX and reported the fraud, they in turn opened a fraud case and told me the account was blocked. I submitted by mail to TD XXXX, the Federal Trade Commission Identity Theft report with proof of identity and all associated documents to support my position and fraudulent account. Note, at this time XXXX monies were drawn on the account. Since then, unknown to myself, the account had been released and monies were dispersed. As of XXXX the account is in default and TD XXXX  is reporting this negative information to the credit agencies against my credit. Since that date I have tried countless times to communicate with TD XXXX  Customer Service @ XXXX, being left on hold for hours, as long as 4 hours, for weeks unanswered or being answered and then subsequently disconnected. TD XXXX  is virtually impossible to contact anyone who can assist to resolve the matter. I have mailed hard copies for a second time requesting this account be removed from my credit, still no answer in any form. Finally, today XXXX I was answered and during the call I was told the agent was unable to help and indicated I would be receiving something in the mail, sent 10 days ago, then the call disconnected, without a resolution or callback. I have been told from every person at every available phone number for TD Bank ( I'm assuming the parent company ), this is the only phone number and department who is able to help. Obviously, this is a bank and credit card company who doesn't care, regardless of the consumer conscious, and quality of service messages which are played while on hold. I did my due diligence in XXXX to protect TD XXXX  's interest 's and unfortunately, no one was paying attention, and still isn't.

Company response to consumer: Closed with non-monetary relief