vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I purchased a generator online from a vendor named " XXXX   '' on XX/XX/2019 on XXXX XXXX for {$220.00} I received an email giving an order number, XXXX, and that the order was being processed. My credit card was processed on XX/XX/XXXX with a description " XXXX ''. ( attached ) I emailed a reply on the XXXX asking what the status of my order was. The email came back unavailable. ( attached ) I became suspicious and immediately tried to find the vendor. When I couldn't I researched the vendor " XXXX '' and found a XXXX video called " IT XXXX STORE SCAM ''. It tells how they use 3 countries from a set up site to scam victims. 
The url is : XXXX : XXXX? XXXX I IMMEDIATELY disputed the charge and sent them everything I am sending you today. Capital one took the charge off on XX/XX/XXXX only to REBILL it again on XX/XX/XXXX. I called them and they AGAIN REMOVED the charge on XX/XX/XXXX! XXXX attached ). 
I had become disenchanted ( for lack of a better word ) with this company so I paid off my bill so I could close the account. They IMMEDIATELY REBILLED that same amount of {$220.00} A THIRD TIME on XX/XX/XXXX, preventing me from doing so. 

I have called them no less than 6 times during this time and have been told it was taken care of, that they would call me back if there were any issues, etc. Now they are saying time has elapsed and they are not taking the charge off after they had done so twice already. 

I have spoken to Capital One no less than 6 -8 times over this and I am at my wits end. 
I have a friend who lives 5 blocks away who bought the same generator and his card was credited 2 days later. 

This has become very frustrating!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am a caregiver for a XXXX veteran on XXXX XXXX. On XX/XX/2019, a representative from Midland Credit Management ( XXXX ) called my XXXX-year old grandmother and began harassing her about a false " credit report '' associated with me. I have no association with Midland Credit Management and they are harassing my grandparents on a Sunday. When I asked them to identify a promissory note they demanded my social security number. I refused to give them my social security number because they could barely speak English and were very rude to the point of being belligerent. This company is a disgrace, calling elderly people on Sundays and causing trouble with false credit reports. I implore your organization to stop this company 's harassment. When I reviewed various websites, I discovered that this company is harassing people all over the country with false credit and debit reports, often leaving " extension numbers '' with their parents, grandparents, and relatives. It appears that I am just another victim of this company 's nation-wide scam. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: AZ

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/2016 This debt in question of {$9400.00} was paid through XXXX XXXX XXXX XXXX of Illinois medical plan. Any and all amounts or out-of-pocket expenses have been paid and settled accordingly. 

XXXX XXXX XXXX XXXX has since sold this account to another agency XXXX XXXX XXXX XXXX and placed with MBA Law for collection, and forfeited their right to collect any further money from me.

Company response to consumer: Closed with non-monetary relief
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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
XXXX XXXX continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but Experian has not, even after documents, and several attempts.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Technology Federal Credit Union
State: PA

Complaint narrative:
I have noticed that FIRST TECH FCU have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FIRST TECH FCU and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX and I write to you to formally file a complint against Citibank. On XX/XX/XXXX, I called the bank to close both savings and checking accounts because they were charging {$25.00} maintenance fee for not keeping {$10000.00} as minimum balance. I, like many people do not have that kind of money to keep in a bank that only pays 0.20 % ( APY ). Therefore I opened a maintenance free Online bank account and moved all my money there. 
Unfortunately, on XX/XX/XXXX my XXXXyr old Father made a teller deposit of {$300.00} to the Citibank checking account- that I thought it was closed. The following day I called Citibank to get the money back ; the customer service representative told me that I would get a refund check on my mail and that it would take between 5 to 10 business days. That check never arrived. I no longer have an ATM bank card so withdrawing the money is impossible. I am stuck. 
On XX/XX/XXXX, I called back and asked to talk to a Supervisor so he can explain why I still did not receive the refund. I was put on hold for a long time that had to hang up and call back again. I spent about an hour on the phone that day. The only thing I did before hanging up is that I filed a complaint with Citibank ( Complaint # :  XXXX ). I never received a letter from Citibank about the complaint I filled that day. 
I am not sure if there are more customers out there facing this predicament, if there are. I am formally requesting an investigation of Citibank practices, which I believe is breaking Federal and State laws ; I am also requesting for a full reimbursement of both my savings and checking accounts which totals {$320.00}. 

Best Regards, XXXX XXXX XXXX Debit Card # : XXXX Savings Acct. # : XXXX Checking Acct. # : 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 monetary relief
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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Because I should not include personal information, I will strictly be using initials. Full former ( maiden ) and current legal name will be provided upon request. 

I requested a credit report from Equifax on XX/XX/2019 - and discovered that they have falsely reported my maiden name ( former name ) as my current name, and my present legal name as my former name. To be more specific - I was previously XXXX XXXX and have since married, becoming XXXX XXXX Equifax 's records indicate I was once named XXXX XXXX, and am currently named XXXX XXXX. 

I filed a dispute with Equifax to correct my current legal name to XXXX XXXX on XX/XX/2019 by mail. With the dispute, I gave Equifax the following information : 1. NY State Marriage certificate to show previous and current names, 2. Copy of my Social Security Card showing my current legal name as XXXX XXXX, and 3. Copy of my New York State ID  showing current legal name as XXXX XXXX XXXX included a cover page which stated the mistake and the expected correction. 

Equifax sent me an acknowledgement of dispute received and its the dispute result on XX/XX/2019. The Equifax Dispute result shows Equifax refuses to correct my legal name to XXXX XXXX, and acknowledge my legal name change. There are consequences for this issue - which affects my credit history and future creditworthiness. 

I have a long history of credit under XXXX XXXX and since having changed to XXXX XXXX, I am unable to access the credit to which I am due.This is a proactive approach, because I know that under XXXX XXXX, there is no history with Equifax. A simple example of this is when I try to prove my identity over the phone and on Equifax 's website. They do not have a record of XXXX XXXX. - which means, that should I ever decided to leverage my good credit worthiness. I will duly fail. 

I would like to correct this on my Equifax profile. I have all pieces of evidence documented with a thorough paper trail, and seek your expertise to compel Equifax to correct their mistake. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was charged two insufficient funds fees on XX/XX/19 and XX/XX/19 for {$38.00} each ( {$76.00} total ) - Both of these charges were mistakenly applied to this account rather than to a debit card I have linked with another account. I had previously declined overdraft protection and don't believe that I should have been charged either of these fees.

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 — Public record information inaccurate
Company: LEXISNEXIS
State: NH

Complaint narrative:
Nexus Lexus continues to report a chapter XXXX bankruptcy as dismissed, but it was terminated, and should not be on my report. XXXX has removed it, but XXXX has not, even after documents, and several attempts.

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: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX SCAM SEE ATTACHED LETTER AND DECLARATIONS.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have noticed that PNC BANK have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both PNC BANK and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I bought Visa giftcard for the amount of {$500.00} at XXXX XXXX XXXX, and went to the XXXX to buy a money order with it. I swiped this subject card, and was told by the CSR that it did not go thru, try it again. I tried a few times, still it did not allow me to buy a money order. I returned home and call the Visa giftcard phone line at XXXX, and the recorded voice said it was loaded for {$500.00} and was redeemed on the same day, XX/XX/XXXX. 
I waited for the fund returned to the card. Money never returned to the subject card. Finally on XX/XX/XXXX, I claimed to Blackhawk Network who handled. On XX/XX/XXXX they replied to me by email saying that credit issued to my account was final!! I never received the new card with money nor {$500.00} in my subject card. The XXXX email crews stopped answering my emails. When each time I called XXXX ( from back of the card ), each one of them told me lies, saying the new card was shipped, wait a few more days, etc. Now when I called this number about my subject card, it said it no longer phone support and hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FACTUAL DATA CORP.
State: PA

Complaint narrative:
I have noticed that FACTUAL DATA have placed an inquiry on my XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both FACTUAL DATA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have noticed that BK OF AM have placed an inquiry on my XXXX and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested XXXX XXXX XXXX XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
To Whom It May Concern, Refinance House Loan Amount {$330000.00} Payoffs and Payments : XXXX XXXX : {$300000.00} ( Only paid {$300000.00} XXXX XXXX XXXX : {$9400.00} ( Paid in full ) XXXX : {$7100.00} ( Paid in full ) XXXX XXXX {$2300.00} ( Paid in full ) XXXX XXXX XXXX ( Paid in full ) XXXX  Card {$290.00} ( Paid in full ) XXXX {$49.00} ( Paid in full ) I was told by XXXX XXXX that I would get back all of my escrow money, which was {$1500.00}. I only received a check for {$58.00}. I am not going to sign the check for this amount. XXXX kept {$1400.00} of my escrow. I was told by XXXX that XXXX did not pay the full amount and they only received {$300000.00}. They said that XXXX XXXX told them to take my escrow money. I then called XXXX XXXX and they said that Cross Country called XXXX and told them to use my escrow money to pay the difference. 

I was lied to by XXXX XXXX. He told me I would receive all of my escrow money, then proceeded to call XXXX and take it. I was never told they were taking my escrow and I never authorized them to take my money. If I would have known this, I would have never taken the loan. That payoff was supposed to come out of the {$330000.00} that I borrowed. 

When it came time to sign the papers, they tried to pull a fast one and wanted me to pay {$1600.00} up front. I was not aware and I told the person I am not signing anything. He left and then I called XXXX XXXX. XXXX said that was a mistake and then called the XXXX XXXX to redo the paperwork. The person called back in a couple of hours. They took off the {$1600.00}, then they pulled this with the escrow account. They robbed me of my money. I am wondering if they gave the person that we signed papers with the money. Something seems fishy about this situation. 

He also had some {$1600.00} on the paperwork for half a point. I asked him what that was and he said dont pay attention to that, youre not paying for points. I asked him why that was on there. I told him I dont pay for points, I would never do the loan if I have to pay for points. 

XXXX XXXX from Cross Country told me that they changed the payoff on the mortgage after I signed the papers. The escrow that they took out from XXXX, said they took it to pay the insurance because the insurance went up. The insurance is only {$870.00} a year and it does not come out until XXXX. Then he said that the money came out to pay the mortgage company. They also changed the mortgage amount without me being informed and then XXXX XXXX said that I already signed the papers and it's too late, that I am stuck with the bill. I was deceived because they didn't follow the truth in lending law by informing me that they changed the mortgage amount and if I would have known that then I would of never done the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
New details on a previous complaint I made have been brought to my attention ; I am requesting proof that Bank of America had an " XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX. '' in the summer/fall of 2015. 

For reference, I am attaching official paperwork I signed/received during my mortgage application process during that time. 

Thank you, 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 — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  to release my medical information to a third party. 
The following accounts that need to be disputed are as follows : 1. CHOICE RECOVERY : ACCT # : XXXX 2.CHOICE RECOVERY : ACCT # : XXXX 3.CHOICE RECOVERY : ACCT # : XXXX 4.CHOICE RECOVERY : ACCT # : XXXX 5.CHOICE RECOVERY : ACCT # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation