vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-01 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: NY

Complaint narrative:
I am really disgusted with Capital One Bank the charges of $ XXXX has been reversed and then rebilled several times! 

I asked Capital to send me copy of XXXX XXXX SIGNED delivery acceptance receipt and all gone to DEAF EARS! 

For the 4th time request SEND ME COPY OF DELIVERY RECEIPT so I know who signed and took my package XXXX XXXX SO DISGUSTED with Capital One!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT.ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received an email from a company called Sequium regarding their attempt to collect a debt on behalf of XXXX XXXX XXXX XXXX for {$840.00}. I have never received a phone call or anything in the mail even though the email communication informed me that XXXX XXXX XXXX shared that information with them. I paid off my account in full with XXXX XXXX XXXX and closed it. I do not owe this company money and they practiced deceptive ways to ruin my credit without verifying the account with XXXX XXXX XXXX first. The account in question is under my married name XXXX. I have been divorced and legally changed back to my maiden name in XXXX. President/CEO failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA. I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the Consumer Financial Protection Bureau, FTC and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: AL

Complaint narrative:
This company has failed to provide me with a debt ( right to dispute ).. They are saying they did but the address they are advising they used, which i am not associated with. I have documentation after documents to prove this .... I want to know who the original credit is because if it has been within the last 5 years then there is no reason, they should have the wrong address. Also, I do not have in lingering debt to my knowledge so this seems to be fraudulent. Again, they are going against my consumer rights. 

This needs to be removed. My next step will be filing a small claim because yet again, I did not receive a right to disputer- which I am entitled too. 

Secondly, this company has failed in all communications to do the right thing. 

All I am asking is give me the proper legal way to review this account and to actually KNOW what it is. Legally- that is my right and my right to dispute it if I have no knowledge. You can not just add a collection to a consumer 's credit report. 


Please remove this from my report, allow me time to review and dispute if needed. If this debt is actually mines and this is not a fraud Then we can deal with options, however this needs to be done the correct legal way. 

Please again remove this from my account- provide the original creditor the date it was open- as stated if within the last 5 years there is no reason you should have an incorrect address that i am not associated with. Please also provide proof the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE FILED DISPUTE IN REGARDS TO INCORRECT ITEMS ON MY CREDIT REPORT.ITS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

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 2022-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: WA

Complaint narrative:
I took out a small {$300.00} loan from speedy cash loan, I want to say 8 years ago online while living in Arkansas and I paid every 2 weeks on the loan, so much money, I paid more than triple the amount of what I borrowed. So I stopped paying, my aunt who I lived with at the time talked to them for me and told them I wouldn't be giving them anymore money because I already paid more than triple of what I had borrowed and they still wanted more. Now for the past two or three years they've been sending me emails randomly, threatening to have me arrested mainly and have my wages garnished. They say I've committed 4 crimes : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Threatening to have a warrant for my arrest unless I pay {$890.00} immediately. I have all the emails saved. I believe in one of them they said the deputies in my area have been notified of my warrant and to arrest me. I just got another one today and I just found out that that's illegal for them to threaten me with being arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
I use Square to receive payments for my candle business. Square sent a payment to a old account with XXXX XXXX ( closed XXXX ) instead of my current account which Square already have on file. I dont understand why this happened, I previously received payments to my newer account. I reached out to XXXX XXXX, customer rep advised being that my acct was closed, they sent the funds back to Square XX/XX/XXXX. Ive emailed Square several times, its been over 130 days and I have not received my funds. If a customer acct is closed with Square, they will not communicate via live customer service, instead they give you a code thru chat online, you must enter the code only to be told your acct is closed. {$63.00} is owed to me since XX/XX/XXXX, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
We have suffered greatly as the result of Covid. Our business, which involves catering to the needs of Corporate gatherings, has gone from being very profitable before Covid to utter failure due to the lack of Corporate gatherings, conventions and so forth. We have contacted our Mortgage Servicer more than 8 times in the past 3 months. The Mortgage servicer is SLS. SLS has promised on several occasions to have one of their Mortgage Assistance Specialists reach out to us to help us understand the program and to help us work through the documentation. The have broken every promise and have left us in a very dire circumstance. It almost appears that they are purposefully ignoring our pleas both over the phone and by electronic communication. 
We have kept every communication and documented every phone call. We have a complete file documenting their failure to assist in any way. Our loan number is XXXX. Our home address is XXXX XXXX XXXX XXXX in XXXX Utah. We would love to attach communications with SLS since XX/XX/2021. We have been promised that one of their specialists would work with us directly. After more than 8 good faith attempts on our part SLS has failed to even put forth the smallest effort to communicate with us, let alone try to help us. 
We can be reached at ( XXXX ) XXXX. My name is XXXX XXXX ... my wife is XXXX XXXX. Please help us... we are scared to death that SLS has motives to foreclose on our home which is valued at {$690000.00} and has only a {$370000.00} mortgage with no other liens or encumbrances of any kind. 
Please forward an e-mail address to which we can send very compelling and sizeable documentation that SLS is not acting in good faith. 

Thanks! 
XXXX and XXXX 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 2022-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
This company claims I owe them an alleged debt. They are reporting negative information on my credit. I did not and I do not give them consent to report on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an e-mail from Citibank on XX/XX/2021, that indicated : Your Citi account ( s ) will automatically close within 60 days Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your Access Account account, we found that you have violated the terms of your account per the client manual. I called Citibank on XX/XX/2021, and asked why my account was closed. The Citibank account supervisor from the Client Relation Unit indicated XXXX XXXX said the personal check deposited into my Citibank checking account was reported as a stolen check and Im a XXXX XXXX. I then called XXXX XXXX. XXXX XXXX indicated Citibanks position is incorrect. XXXX XXXX confirmed they honored the check ; I have sufficient funds ; the check is not stolen ; my checking account ending in XXXX is open and in good standing. I then conferenced call XXXX XXXX and Citibank at the same time. Citibank said they would research further and if my personal check is good and not stolen, they will NOT close my account. XXXX XXXX will mail me an account verification letter on their letterhead proving my account is open with sufficient funds. I am very upset with Citibank closing my checking account due to no fault of my own during a deadly pandemic when I need access to my money. I plan on retaining a consumer law attorney to file suit against Citibank. I look forward to arbitrating this matter. Criminal and civil claims will be pursued.

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 2022-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2021 I opened a safe balance account online using my payroll check of over {$600.00} as my account opener. On XX/XX/2021, I attempted to login to my app and received a " account locked contact customer service @ XXXX '' error message. I placed the call and was told I would have to go to a branch to verify my identity, which I did. At the same time, I was told I had a positive balance of of {$650.00} and could make a withdrawal from the teller, which I did for {$400.00} leaving a balance of + {$250.00}. Shortly after that, I deposited a mobile check for {$520.00}. On XX/XX/2021, again I attempted to login and received the previous error message along with 3 emails stating a hold was placed on my account. Contacting the same previous number I was told that my acct was being closed by the Risk Dept. due to lack of identity verification, which I told them I had done the day before. I was then told it didn't matter the account was already being closed and it was not reversible, so I asked about my balance and was then told I was overdrawn by {$400.00} and I would have to pay that before I could be set up with a new acct. None of this makes logically sense, nor does it in anyway seem legal. I have contacted my attorney who suggested that I attempt to resolve the issue with a supervisor or manager before he makes any court filings so that is what I am doing now. All of this has not just caused me unnecessary stress but put myself and my family into serious financial hardship and suffering. We were force to miss XXXX with family due to lack of funds to travel, I have no way to pay for the propane that is for cooking and heating my home, my mortgage payment, car registration and insurance are now all past due resulting in late fees totalling {$350.00}, all caused by poorly trained bank employees!

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 2022-01-01 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: CA

Complaint narrative:
I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, and sent the same information to XXXX, Equifax and XXXX. 

I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX XXXX XXXX XXXX is still reporting this fraudulent information to my Equifax Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've had a credit card for years with Bank of America. In XX/XX/XXXX I paid off my balance and because I had it on auto pay, it continued to pay and I ended up with a credit balance. They notified me repeatedly since they didn't want the credit balance so I turned off the auto payment and they sent me a check. 

Then in XX/XX/XXXX I did another balance transfer. I forgot I had turned off the auto payment so I received a late fee on XX/XX/XXXX. I get it, it was my mistake so paying the fee was fine. Then on XX/XX/XXXX, I received a fee for " minimum interest charge '' even though I wasn't supposed to be paying interest due to the balance transfer at 0 %. 

I didn't notice the fee in the beginning but called in XXXX when I noticed they had charged me a fee each subsequent month. I talked to somebody to ask why I was being charged this fee. They said because I had the late fee in XXXX, it will continue to charge this every month. My understanding is they aren't supposed to charge interest on fees so I'm confused how they are justifying this to begin with. They said they would refund the fees ( they just refunded one as far as I can tell ). When I asked what I could do in order to get this fixed so I wasn't charged this fee monthly, they told me they couldn't do anything to fix it but I could call every month and request a refund. Seriously?? I was very upset at this point due to their unreasonable response and believe I even talked to a supervisor. Asking customers to take the time to call each month to request a statement fix for {$1.00} is craziness. It's their error. I realize it's only {$1.00} but it's wrong and they could be doing this with a million customers each month. 

They have continued to charge this fee every month as they can see on my statements. I obviously just need to pay it off but want to bring awareness to this predatory fee practice. This definitely violates UDAAP and am surprised this is happening at such a large financial institution. 

I look forward to hearing the resolution on this matter and hope there can be further investigation as to how many customers are being charged fees inappropriately.

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 2022-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
i have reached out several times to this company and also to the credit reporting agencies regarding this account that is listed on my credit report. its a joint account which has not been validated to be an account that I requested to open. Ive never given anyone permission to open an account with this company and have gotten no response since then regarding this matter

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 2022-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was recently informed that this ( Midland Funding ) somehow obtained a judgement against me. I was completely unaware of this judgement which was from over 10 years ago. I am curious to know where they got this debt from. I have requested a transaction history, itemized details of the so-called debt ( all the way to the original creditor ) Also I want to know what previous creditor charged off this deb, payoff information. I reached out to the ( Fair Credit Reporting Act in reference to this matter. I am considering contacting the court ( after the Holidays ) to file a motion to vacate the judgement, since the court has no proof of service. I never received this debt. I came across this article which shows illegal practices with this company, such as robo-signing and other illegal activities. Perhaps this company needs to be investigated. I am still waiting for proof of this debt. I want to know where the judgment originated from. Perhaps the news investigative department can investigate matters such as this. It would be good to see the news go into their office so everyone can see their illegal practices in person. I take this very seriously because I was not aware of this judgment until now 11 years later. I am attaching the document which was provided from a search that was done on the property. I wonder if other consumers are having similar issues such as mine. This is why I thought perhaps the district attorney, congressional leaders, consumer protection bureau, XXXX XXXX XXXX could possibly investigate, look into this situation. Please see the website link pasted here Midland Funding Settles Collections Abuse Probe - CFO. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX and XXXX keep reporting a collection in the amount of {$9700.00} that has been tuned over to the Phoenix Recovery Group, # XXXX against me. I have written documentation from the original creditor that this is NOT my debt and I am NOT responsible for paying this debt. I have sent certified letters to both Phoenix Recovery Group on XX/XX/2021 and to both XXXX And XXXX ( XX/XX/2021 ) but it is still showing up as a collection on my credit report. I need this {$9700.00} Collection deleted from the credit bureaus because I am trying to obtain a mortgage loan and keep getting denied. I have even gone to Phoenix Recovery in person and showed verification that this is not mine and they have failed to remove it and this is why I am submitting this complaint. They should have removed many months ago. Please help me by getting this erroneous debt off of my credit report and I would be truly grateful.

Company response to consumer: Closed with explanation