vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Numerous past complaints have been filed pertaining to a close out check sent to me on XX/XX/XXXX with a stop payment placed on it and a replacement check which was intercepted by a third party while I was away on vacation. I requested Capital One compare signatures on both checks in prior complaints, they failed to do so and have not reviewed information provided concerning the third party whom forged my signature. I provided information showing my whereabouts at time of check cashing, they refuse to review this information as well and hose to mark my complaints as duplicate to avoid addressing it. The account in question was opened as a result of data breach, opened in XXXX. Capital One rep by the name of XXXX stated there was no breach at that time, however, the time period in which information was exposed is from XXXX to XXXX and my information was on file with Capital One from past accounts which were opened as far back as XXXX. It is highly possible the account was opened due to breach as two credit accounts were also opened in my name, both with Capital One. Again, I request Capital One compare signatures on both checks, one cashed on XX/XX/XXXX and second intercepted check, both in the amount of {$4200.00}. Failing to do so, the attorney representing me in data breach will be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sent funds in exchange for goods via XXXX on XX/XX/19 in the amount of {$290.00}. Unfortunately I assumed the XXXX service was insured by bank of America considering they had taken the liberty of building it into their app. This is not the case despite the fact that the closest thing they have to a warning or disclaimer is " transactions can not be cancelled ''. I have realized I was the victim of a scam and would like a full refund from Bank of America considering their willingness to advertise a company they do not insure with no clear warnings.

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 2019-10-06 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: Informative Research
State: AZ

Complaint narrative:
Unauthorized Inquiry XXXX XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a Discover card in early XXXX. I reported income that I expected to make in 2019. I was issued a card based on this information. I received a few emails asking me to call Discover. At  first, I thought they were scam emails so I did not call. After receiving a voice mail indicating that Discover was trying to verify my income, I called the XXXX # on the emails. I was told that the income reported was not verified and therefore the card issued was closed. I hadn't used the card nor had it been activated. I asked why they would have issued a card prior to income verification and a response was not given. Unfortunately, this now shows up on my credit reports as a card opened and closed with a very short duration. This is affecting my credit score. I called Discover on XX/XX/2019 to ask if the open/closed account had been sent to the credit bureaus and if this was standard practice for situations like mine. The reply was " yes ''. 

Are credit card companies allowed to open a card prior to verifying income and then closing said card and then reporting said card as having been open/closed ( when card was never used or activated )? It's almost as if this was double jeopardy or adding insult to injury - denying card and then reporting it as open & closed. Discover said "  yes '' to these questions. 

My credit score has dropped to XXXX and as a result, XXXX XXXX is increasing my interest rate from 7.99 % to 13.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: CA

Complaint narrative:
My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is these unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Transunion to cease and desist all reporting of these fraudulent accounts. Transunion instead filed a dispute, I am demanding under legal requirements of the FCRA 2009 that these be blocked, not disputed. I have filed the paperwork with the FTC for this to happen. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. The account is the account with XXXX XXXX Deposit account with a balance of {$2200.00}.

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 2019-10-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I had received a Form 1099-C claiming that I had a cancelation of debt at {$8800.00}. and that the identified date is from XXXX, from CIT Morgage Servicing, NOT the company that I have my mortgage with. On attempting to contact them via phone a few days later on the XXXX, no one had picked up, I kept calling until I had finally conversed with, Ms.XXXX ( agent id # XXXX ) on XX/XX/XXXX, where they told me that they could not find any information about me in their system, ranging from SSN to my name. She had given me an email address to contact them. I had emailed them ( at XXXX ) telling them to issue a CORRECTED 1099-C form to me and the IRS where the amount was XXXX. They had given me a ticket number ( XXXX ) in response to this on XX/XX/XXXX, claiming that they had assigned the case to someone. Never having received a response, I emailed them again XX/XX/XXXX with nothing but a confirmation that they had received it. There has been no other contact attempted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Hello! 
Bassicaly i am trying to log in into my account into Kraken and it's saying account temporary disabled and i contacted Kraken and ask why is that, they asked me about my email i don't remember ( 8,9 years ago in the XXXX ) and they said to look thru all emails altough i didn't do nothing wrong was easier to log in and change the email from there or they could have done if wanted to help.Insteed i got the same answer over and over again and sent the same form i have already complited once but no answer why i am not being let log into the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: LA

Complaint narrative:
Transunion deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to transuion and the cpfb. 
My last payment was in XXXX they have written to cpfb and transuion I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from Transunion!!!!

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 2019-10-06 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: LA

Complaint narrative:
XXXX deleted an account off my credit in XX/XX/XXXX. They added the account back with out any notification. 

The account holder is falsifying information to XXXX and the cpfb. 
My last payment was in XXXX they have written to cpfb and XXXX I made a payment in XXXX for {$760.00} This payment would bring the account to {$40.00} I never made such payment this is fraud. And the date they are reporting is fraud There were two accounts and both were deleted one ve back with no notification from 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 2019-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding is reporting an account that does not belong to me. I have never opened any good nor have I benefited from this account! This account is not mine. I am not liable nor am I responsible {$930.00}. THIS MUST BE REMOVED FROM ALL of my credit files! I have been a victim of identity theft. Please see attached FTC with LVNV listed on it. RESOLVE AND REMOVE IMMEDIATELY! I have not opened this account therefore I am not responsible for this account however LVNV Funding is holding an innocent individual like myself liable for this fraudulent account/amount ( {$930.00} ). I will also be filing a XXXX towards LVNV Funding for holding me liable for this account that I never opened nor have I given anyone authorization to do so therefore this account was due to fraud. Resolve issue ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: Block, Inc.
State: FL

Complaint narrative:
Having problems with cash app. I was at XXXX XXXX XXXX and left my card in the machine. Whoever came after me used my card to buy a meal without me knowing. I tokd the company only the first charge was mine the second was unauthorised but they refused to issue a refund. Said i  had to file a police report over a XXXX dollar sandwich charge. Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
I got this pay day loan 2 years ago.I don't remember the exact amount of the loan. He said its {$970.00}! I started paying it back on my own, then I started paying it back through this company called XXXX XXXX XXXX! Then all in a sudden they stopped paying ACE ; with no notifications to me. Than XXXX XXXX Investigative Officer of ACE started contacting me by email ONLY! No phone number. & demanding that I pay {$200.00} bi weekly on a prepaid debit card! I put the money on a XXXX card so that I'll be able to track it! Now I get emails stating that I have to purchase a XXXX XXXX  card INSTEAD! Keeps harassing me telling me that if I don't get this payment that ALL my wages will be garnished! I'm starting to think that this may be a Scam because of his PERSISTENCE!!! & truthfully I think I already paid off this debt! I NEED some help! I don't know if this is REAL or not! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
After notifying RESURGENT capital services several times that I, Am being represented by an Attorney, They are still sending me letters about a debt that, I do not owe and is not communicating with my attorney a directed. This is a violation of Federal Law. They are falsely claiming that, I owe {$1000.00} ( Dollars ) concerning the above debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX INFORMED ME IN 2017 THAT I ALONG WITH 125 MILLION OTHER INDIVIDUALS IN THE UNITED STATES HAD THEY'RE PERSONAL CREDIT INFORMATION BREACHED AND THAT THEY WERE RESPONSIBLE. 

EQUIFAX ADVISED THAT I WOULD HAVE FREE MONTORING AND CREDIT REPORT FREEZING FOR SEVERAL YEARS. 

WHEN I HAVE COTACTED THEM SERVERAL TIMES OVER THE YEARS TO UNFREEZE MY CREDIT FOR CAR PURCHASE OR INSURANCE QUOTES IT HAS BEEN EXTREMELY DIFFICULTLY, TAKING OVER A HOUR EACH TIME IN DOING SO. 

-I HAVE A USER NAME AND PASWORD AND THE EQUIFAX WEBSITE DOES NOT RECKONIZE THE USE NAME AND PASSWORD EVEN WHEN I CHECK AND RE-CHECK AND SUBMIT PASSWORD SEVERAL TIMES. 
-AFTERT FAILURE TO LOG IN I CONTACT THEY'RE CUSTOMER SERVICE NUMBER AND THE AUTOMATED SYSTEM DOES A CONTINUES LOOP OF REPETATIVE QUESTIONS WHICH I ANSWER BUT THEN REBOOTS OR DISCONNECTS FORCING ME TO RETART AGAIN AND I CAN NOT AND THERE IS NO ACCESS TO OPERATOR TO ASSIST -AFTER SEACHING EQIUFAX WEBSITE FOR CONTACT NUMBER XXXX GET SERVICE REP WHO CAN NOT HELP RESESOLVE ISSUE AND I AM TRANSFERRED TO ANOTHER REPRESENTATIVE-THIS PROCESS, EVERYTIME I WANT TO UNFREEZE MY CREDIT REPORITNG TAKES APPROX. 2 HOURS- -WHEN I UNFREEZE XXXX AND XXXX THEYRE COMPUTER AUTOMATED SYSTEM WORK  FAWLESSLY AND THEY'RE REPRESENTATIVES ARE EASY TO CONTACT AND UNFREEZE AND REFREEZING OF MY CRIDIT INFORMATION TAKES 10 MINUTES AT MOST. 

I STRONGLY BELIEVE THAT EQUIFAX, WHO IS LIABLE FOR BREACHING CONSUMER INFROMATION-IS INTENTIONALY MAKING IT DIFFICULT IF NOT IMPOSSIBLE TO DEAL WITH THEM TO FREEZE AND UNFREEZE CREDIT -TO HAVE CONSUMERS WHO HAVE BEEN AFFECTED BY THIER SECURITY BREACH GET SO FRUSTRATED AND DISMAYED BY LACK OF ANY COMPETENT WEBSITE, LOOPING OF AUTOMATED WEBSITE SYSTEM ENDLESSLY, NOT PROVIDING ACCESS TO OPERATORS/REPRESENTATIVES-ANOTHER LOOPING OF TELEPHONE SYSTEM ENDLESSLY-AND FAILING TO PROVIDE EASE OF ACCESS TO PHONE NUMBER OF REPRESENATIVES WITHOUT A WEB SEARCH AND THEN TRANSFERRING TO OTHER REPRESENTATIVES ; THIS INTENT IS TO HAVE CONSUMERS DROP THIER SERVICE WITH THEM THUS REDUCING THIER LEGAL OBLIGATIONS- EQUIFAX HAS DONE THIS INTENTIONALLY NOT ONLY TO DISMAY & DISCOURAGE CONSUMERS AFFECTED BY THIER BREACH BY THE LACK OF PROFESSIONALISM, EASE OF USE AND FAST EFFICENT WEBSITE OR AUTOMATED PHONE SYSTEM BUT TO HAVE CONSUMERS DROP THIER FREE SERVICE THAT THEY ARE OBLIGATED TO DO BY LEAGAL AGREEMENT WITH GOVERNMENT SETTLEMENT DUE TO THIER BREACHING OF OVER 100 MILLION CONSUMERS. 

I REQUEST THAT EQUIFAX IS INVESTIGATED FULLY-WITH FOCUS ON THEY'RE COMPUTER USER WEBSITE-AUTOMATED PHONE SYSTEM AND LACK AND DIFFICULTY OBTAINING AN EQIFAX REPRESENTATIVE-THE PROCESS TAKES OVER AN HOUR EVERYTIME I TRY TO DO SO-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
This is the continuation of COMPLAINT ID XXXX-XXXX which was not resolved. The company just sent me a letter dated XX/XX/XXXX in which they state they've canceled my monthly automatic drafts. I need their clarification in writing that they're only canceling the auto-draft of additional principal payment in the amount of {$520.00} and not canceling the regular interest+principal auto-draft of {$560.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: Synovus Bank
State: RI

Complaint narrative:
i have sent multiple letter to this creditor pointing out the fact that they are reporting erroneous information to the credit bureaus, to experian they say i was " 150 days late '' o XX/XX/XXXX nad to XXXX  they say i was " late 120 days ''. They claim i have made payments of {$9.00} on this account on XXXX, XXXX and XXXX of XXXX and i have not, this account has been closed since XXXX. They are not reporting any information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, also another company is attempting to collect on this alleged debt on their behalf, and as i have read if another company is attempting to collect a debt then the original creditor can NOT report a past due or a balance on your credit report.i am not having a fair and accurate credit and is harming my possibility to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Patriot Finance, LLC
State: GA

Complaint narrative:
I have been experiencing poor communication methods from this debtor.i was at one point on time with all payments and using auto draft. This company has shown to be very difficult to communicate with and very nonprofessional. 

I had asked them to stop contacting me at work which didn't stop. They have called extended family and friends who don't know me well without authorization. I never gave these people as a reference. That's embarrassing. 

XXXX XXXX who is the primary caller, always threatens to garnish my wages on every conversation. On XX/XX/XXXX XXXX stated that the authorities of XXXX co had already been contacted and papers were filed to serve me. So of course out of nervousness and not wanting to hurt my employment, I asked what could we do to catch up the debt and get on a plan. She said she didn't what she could do but that I needed to pay the past due amount of {$1200.00} before anything else could be done. 

Once I shared that I would talk to my husband and see about paying the past due XXXX went back and forth on whether or not papers had actually been filed. At one point she said. " I can't tell from the notes if it has actually been filed ''. Her whole reason for calling me was to tell me that I would be served by police officers at work. She knew that calling my job was a huge concern and I believe she used those comments as a threat. When asking another member, they stated that no papers had been filed and that wasn't the process. 

On XX/XX/XXXX I gave authorization to draft 2 payments. One on the XXXX for {$600.00} and one on the XXXX for {$600.00}. This would help to catch up the past due. At that time I authorized to autodraft {$430.00} a month moving forward but I asked for them to draft biweekly on my payroll dates as they used to. 

On XX/XX/XXXX they completely overlook my payment arrangement and drafted a 3rd payment of {$600.00}. When I contacted them to dispute I shared that I would be disputing with my bank as they have charged me to overdraft with my account as a result of their unapproved charge. There are two problems : unauthorized amount and drafted on unauthorized date. 

After submitting an email explains why I disputed once again XXXX threatens with garnishment. I shared with her that I was trying to pay my debt down. 

I have not heard back from her with regards to a payment plan. In XXXX the company Patriot Finance has pulled my credit report for the second time without permission. 

This debtor has been very difficult to work out an arrangement with. Their practices are unruly and unprofessional. I should t feel frightened that police are going to show up to my job. That makes me fearful of losing my iob

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Have contacted the Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating this items comes back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Loan statements would come in mail on the XXXX or XXXX of each month giving us time to send check on the XXXX for a mortgage due date on the XXXX of each month. 

Now loan statement comes on XXXX or XXXX of month not giving us time to send check for due date on the XXXX. 

Seems Loan company wants, in my opinion, us to do auto payment or paperless billing. 
Why the change in receiving our loan statements? Had to mail check without current loan statement again for XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 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: LA

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation