vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i had a card with Capital One and just made my payments today. They promised to send me a new card as they deactivated mine as I thought it was lost and lost it in the house The old number is XXXX XXXX XXXX XXXX and it is current as I just paid my monthly payment of {$30.00} this morning but they keep sending my card to an old address of XXXX XXXX XXXX, XXXX XXXX, Florida. 

I asked them to change my address but they refused to do so. They send me bills to my current address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida but refuse to send me my new card. 

They say that XXXX  XXXX XXXX, XXXX XXXX, Florida is not the name on file but I changed it many times with them over the phone and they agreed to change it but now not willing to do so, so I will never get the new card. 

I just called Capital One today at XXXX XXXX XXXX but they are not willing to change the address. I just made a payment today. 

I have no card because I changed my address and they are not willing to change it but promised to do it. My social security number is XXXX. They read me a bunch of numbers of cards I never even ever had that I am unfamliar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: NJ

Complaint narrative:
Did a debt resolution with my credit union. Paid off my capital one credit card. Capital one cashed it in XX/XX/XXXX and said they cant find it we faxed cashed check recipient to them. They still havent put towards my account now charging me late fees and ruining my credit. Called at least 10 times and they say under investigation and wont help me. They cashed it I cant get any help and dont know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
During my brief marriage to XXXX XXXX XXXX of the XXXX, GA area, he fraudulently secured credit cards in my name by forging my signature. I now have a situation where a credit management company is trying to garnish my work wages as a result of this fraudulent activity. The company is : XXXX XXXX XXXX XXXX. The XXXX  account number is XXXX and the telephone number is ( XXXX ) XXXX. Filed under my name XXXX XXXX ( 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 2020-03-02 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: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Midland Funding claims they own the debt but repeated requests to provide proof they own it have resulted in no response. This company has also re-aged the debt on my credit reports of all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Siggi LLC
State: VA

Complaint narrative:
This company is reporting 14 thirty day late payments on my XXXX  credit report for a loan that was taken out on XX/XX/XXXX. On the day the loan was taken out, one of the representatives informed me that I had to sit at one of the computers they have set up in their office and set up automatic allotments to get the loan repaid before I would be allowed to leave the premises with the loan check. As I was XXXX XXXX military at the time, I logged into my DFAS account right then and there and set up an automatic allotment for the amount of $ XXXX  monthly. This account was paid every month using this automatic payment. This account was closed in XX/XX/XXXX due to the balance being paid off in full and I even received a refund check as the allotments were still being paid for even after this account balance was at XXXX. I filed a dispute with all three credit reporting agencies as well as the XXXX  on XX/XX/XXXX. XXXX about the false reporting of several late payments on this account. On XX/XX/XXXX the company responded to my dispute saying that I missed one payment on XX/XX/XXXX yet they are reporting 14 late payments on XXXX  and placed a remark stating " no more than two payments missed '' on my credit report. After continuing to dispute this information, the incorrect payment information was deleted from XXXX  and XXXX, but the company failed to remove it from XXXX. Also, even though this account was closed with a {$0.00} balance on XX/XX/XXXX, they reported a 30 day late for XX/XX/XXXX as well as for XX/XX/XXXX. This company is in violation of the FCRA and reporting incorrect information on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation
State: MO

Complaint narrative:
My husband and I had a XXXX, ( South Dakota ), XXXX. credit card debt that was sent to Global Credit & Collection Corp, XXXX XXXX  XXXX, XXXX, MI XXXX, phone XXXX. They have been collecting payments via ACH for many years. I can readily find bank statements back toXX/XX/XXXX and I know they were collecting payments PRIOR to that. 

When we started the authorization of ACH payments, they informed us they would be charging a {$7.00} monthly convenience fee. At the time, I was an XXXX XXXX XXXX ( XXXX ) for the credit union I was employed. I believe I remember we were told in training that consumers were not to be charged convenience fees for using ACH. I informed them that I believed that fee was not a legitimate fee, but they would not process the transaction without charging it. Knowing we really did owe the debt, I reluctantly agreed to pay the fee. 

In XX/XX/XXXX, my statement from them indicated the fee was {$0.00}, but there was no explanation as to why the fee was suddenly dropped and no longer charged. 

My question, as a consumer, is if they finally determined they should not be charging the fee, what about all the {$7.00} monthly charges I have been paying? My current records indicate I have been charged MORE THAN {$330.00} in these fees. 

I have talked with XXXX XXXX at Global Credit & Collection Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

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 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: TN

Complaint narrative:
National Enterprise Systems ( NES ) in XXXX, OH has repeatedly ignored requests from the employee and our corporate entity to refrain from calling employees while they are at work. 

If NES is claiming to be a debt collector, this practice is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If NES is claiming to be a debt buyer/holder, this practice is in violation of the FDCPA pursuant to the United States XXXXourt of Appeals for the Third Circuit ruling in XX/XX/2018 in Tepper v. Amos Financial, LLC, No. 17-2851. Tepper v Amon Financial, LLC ruled that an entity whose principal purpose is the collection of any debtregardless of whether the entity owns the debt it collectsis a debt collector for purposes of the FDCPA.

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 2020-03-02 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 made a payment over the phone to a company that accepted credit card as a form of payment. Without any warning or communication, Bank of America charged a {$400.00} fee for the purchase. I called bofa to inquire and was told the merchant ran the charge as a cash advance which triggered the fee. Bank of America refused to adjust the fee, and refused to allow me to file a dispute of the fee. I contacted the merchant who told me he did not run a cash advance on my card, but rather a credit sale. He told me its impossible for him to get a cash advance using my card info over the phone. So Bank of America has charged me a fee of {$400.00} on a credit card charge, and they are refusing to reverse the charge. I have spoken to 3 different representatives including one supervisor, and my wife spoke to 3 reps including one supervisor. All 6 have insisted the fee can not be reversed. Had I been  informed that a fee would be triggered by the transaction, I would have paid by check. This is the most unfair charge And experience Ive ever encountered.

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 2020-03-02 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: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
Midland Funding claims they own the debt but repeated requests to provide proof they own it have resulted in no response. 
This company has also re-aged the debt on my credit reports of all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am referring back to a complaint I submitted last week the company 's response was that they are not affiliated with this loan and they ARE. Loan Care affiliated with law firm XXXX XXXX that took over for XXXX XXXX. Loan Care has mishandled my mortgage and my home is at stake!!

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 2020-03-02 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: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
I recently opened an Apple Card Account issued by Goldman Sachs Bank USA. On XX/XX/20, I disputed a transaction based on the terms of my Cardmember agreement. On XX/XX/20 I was issued a " provisional adjustment '' in the amount of the disputed charge. I was advised that the funds would be reflected in my available balance immediately and on a provisional basis pending the outcome of the investigation. On XX/XX/20, I called Apple Card back to inquire as to the status of the provisional credit as it was not reflected in the available balance, I was told I would need to wait 90 days until the close of the investigation for those funds to be available. 

The terms of the cardmember agreement do not differentiate between what is defined as a " provisional credit '' and a " provisional adjustment '' and/or the availability of such funds. representatives on three occasions advised I would have immediate access to the funds while they investigating my claim. However, upon " review '' each representative later changed their story after determining they were not able to rectify the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: LA

Complaint narrative:
My wall mart credit? capitol one card was reported lost/stolen late XXXX of 2019. On janruary XXXX two charges were made at store XXXX tchopotouloosuy wallmart one for XXXX and the other for XXXX the posted on janruary XXXX.and are associated with a card ending in XXXX, However after there investigation i recieved a letter six weeks later claiming recieved some sort of benefit from the loss of this card and its costs. This is not true. and i would like them to place this money back into my credit file as i didnt make these charges, I attempted to obtain a police report from wallmart, They said they couldnt provide meone because of the length of time that had passed that they could possibly look into it,. 

Help me with this matter as i would like this resolved Numbers for contact are XXXX this is capitol one fraud divisiion wallmarts number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates
State: VA

Complaint narrative:
On XX/XX/2020, I was called while on the job after i had told them i could not get phone calls before and after XXXX, I was called 3 times in a row. I had told XXXX XXXX if it was necessary for her to call 3 times in a row. Her response was because i was not answering. I had made arrangements on this school loan with someone else, so not sure why I was being called by them. I had made them an arrangement to pay {$50.00} to make an arrangement with them ( i told them i would call and let them know '' However {$2000.00} was being withdrawn from my account on Saturday the next day which i stopped. I called today and told them i had made arrangements with someone else, but XXXX XXXX kept cutting me off, so i got irritated. She said shes going to contact my HR and hung up on me. 

This company is DRS Processing

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST HERITAGE CREDIT LLC
State: TN

Complaint narrative:
I have been harassed on a daily bases by this person named XXXX XXXX. I have told him on 4 different phone calls that I was working with a Debt Settlement Program and to stop calling me. He informed me that his company does not work with Debt Settlement company 's and that he can continue to call me. He has threatened me saying that there is going to be a problem if I don't pay. He continues to make this personal and I am feeling like I am being threatened.I have to add that I have only missed 1 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: IL

Complaint narrative:
On XX/XX/20 I applied for a credit card and was denied for the first time ever based on my TransUnion credit score. I purchased my credit report from TransUnion and my report had my correct social security number but it is mixed with someone elses account. It came up with someone elses name, address, date of birth, and credit history. My XXXX  and XXXX  Credit reports are accurate. This is a problem with TransUnion only. I called TransUnion and they looked up my credit report by name and said nothing is wrong but I have evidence that the entire report is wrong.

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 2020-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On the morning of XX/XX/2020, a wire transfer to my domestic Chase Bank checking account was initiated from another domestic account from XXXX XXXX. This should have been an immediate funds availability transaction. However, nearly three days later and the funds have not posted to my Chase checking account. 

The sender 's financial institution ( XXXX ) confirmed that the wire was sent successfully and Chase has stated that this wire had been returned to XXXX. As of today, there is no proof from XXXX that these funds were returned to the sender. Chase can not explain what happened to these funds or why it is not in my account. Essentially, these are missing funds and need to be reported to the proper authorities.

Company response to consumer: Closed with explanation