vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 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: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
Which in return lowered my credit score significantly I have no missed payments with them I have not asked for help or forgiveness during your covid-19 I have actually made more then asked payments,, There are also a couple other credit cards that have lowered my limit resulting in Lowering credit score

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
according to sunoco rewards card there saying on my account that im just making mimium payments WHICH im not and that my account is XXXX plus change I honestly believe believe this is wrong Ive been paying XXXX amonth never later or miss this was there reply Our record reflects that your account has revolving balance of {$1000.00}. which requires minimum payments each month as noted on your statement. Furthermore, Interest charges begin the day a charge is this was mine reply First of all I make more then just minimum payments and second my account showing more then XXXX it showing close to XXXX so your telling me i have XXXX in INTEREST no way I dont have any promations Ive never been LATE OR MISS ANY PAYMENTS I WANT THIS STRAIGHTEN OUT

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 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX my mortgage with Fifth Third Bank was paid off. They have {$1500.00} in my escrow monies account which should have been paid/refunded to me by now. To date, they have not sent me a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
I paid for wire transfer of {$50.00} ( XX/XX/XXXX ). After I paid, the agent told me the money was on hold until I placed a call to answer some question. When I called I was told there was an hour hold time. I was then transferred to another department for a refund code. I was given a code. When I went back to the store and presented the code, I was told it did not work. ( XX/XX/XXXX ). The agent at the store called and was told that the refund was sent to the country I was sending the money to. I came home and spoke to a supervisor named XXXX ( XX/XX/XXXX ) I was told that I would be called in 24 hours  with a new refund call. I havent received a call. I call again ( XX/XX/XXXX ) and spoke to another supervisor who now says a refund code has not been generated and I should wait 48 hours for a call to be given a refund code. My big mistake is that I paid cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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:
On XX/XX/XXXX a charge in the Amount of XXXX appeared on my statement. This was charged to my capitol one credited card The vendor name was XXXX * messy. I contacted capitol one emediatly to dispute transaction. I was informed that a dispute resolution form was being mailed. The amount was taken off my account. I never received any form. I followed up with capitol one on about XX/XX/XXXX XXXX. On XX/XX/XXXX the amount of XXXX was back on my statement. I spoke with 6 different individuals from Capitol one in reference to this issue. No one seemed to care or was willing to help. At the end of the day I was left with no results and furthermore XXXX capitol one canceled my card that was current and in good standing. Goal is to have capitol one to issue me another card with the same terms as this problem is no fault of my own. The capitol one fraud claim # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
To whom it may concern : Security Credit Services is reporting an " alleged debt '' in the amount of {$11000.00}. 

This account was never validated. This is a violation of my Constitutional Rights. Please request deletion asap.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
On XX/XX/2016, DOCTORS BUSINESS BUR added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
To whom it may concern : Enhanced Recovery Company is reporting an " alleged account '' with a balance of {$170.00}. 

This account was never validated and is in violation of the FDCPA and of my Constitutional Rights. Please delete asap. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, CREDIT COLLECTION SERVIC added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT COLLECTION SERVIC has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
To whom it may concern : Online Information Services is reporting an " alleged account '' in the amount of {$100.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: WA

Complaint narrative:
Chrysler Capitol decided to turn off the autopay on my lease for the last month which caused my lease payment to go late. After three years of auto payment with no distinct warning it was changed. I paid it immediately on late notification from my credit monitoring - no late information ( call/email ) from Chrysler. The company has removed the late fee for my account but refuses to remove the reporting to the credit bureau which is incorrect. Please correct my credit score as the late fee was acknowledged by Chrysler as incorrect and was waved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
To whom it may concern : Navy Federal CU is reporting an " alleged account '' in the amount of {$14000.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To whom it may concern : Bank of America is reporting an " alleged account '' in the amount of {$1900.00}. 

This " alleged account '' has never been validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Although getting charged extra at certain stores does happen from time to time, this complaint is predominantly about random adults hacking my online account to view my personal business, and when it's " convenient '' to them, they alter the transaction name. For example, I donated XXXX dollars to my XXXX School Program. A XXXX freaked out, so he or she hacked my American Express Serve online bank account and removed XXXX. Why? And how can these people get away with this? My account is " secure. '' This is unlawful. Another emethical act these people like to do is PRETEND they made a deposit that " I '' really made. Deposits are now hidden. I have to click VIEW MORE TRANSACTIONS to see my deposits. Why? 
In conclusion, please make AMEX keep these haters OUT of my business. 

Thank You, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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:
To whom it may concern : Synchrony Bank is reporting an " alleged account '' in the amount of {$1800.00}. 

This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. 



Thank you.

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 2020-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage contacted me to thank me for my service and offered to refinance my mortgage loan at no cost to me with exception of the VA funding fee. Freedom Mortgage then gave me a loan estimate which had high closing costs as well as a higher interest rate than the national average. I didn't agree with the first estimate and told them i was no longer interested and decided to look else where. The lender then sent a new, much more reasonable loan estimate, which included lender credits as well as a great interest rate. I changed my mind again and decided to proceed. Freedom Mortgage then sent a final closing document 2 weeks later for me to sign so we could get a closing date scheduled. After reviewing the final closing documentation I quickly realized this was completely different from the 2nd loan estimate I received, the lender credits went away, closing costs doubled and the payoff for what I currently own on my house was higher than what I actually owed. I contacted the loan officer regarding the changed details. I was told the numbers were not accurate and they would change later and I just need to sign. Do not use Freedom Mortgage, they are not ethical and are trying to take advantage of your refinance. This was a waist of my time as well as another knife in the back of yet another unethical company trying to take advantage of a veteran.

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 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To whom it may concern : AMEX is reporting an alleged account in the amount of {$1400.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a dispute with capital one on XXXX informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature.capital one never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To whom it may concern : American Express is reporting an alleged account with a balance of {$5800.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a loan to buy a condo, start the process around XXXX of 2020 with the bank of America. I have been an account holder for more than 15 years. During the process with the Loan Officer I got the pre-approved letter for XXXX. My credit was check twice, first on XX/XX/2020 and last on XX/XX/2020. Everything was crystal clear, my direct deposits from my work goes to my account at the Bank of America. I spent a lot of time looking for a place, and finally I got the one I want it to buy. The Loan Officer help me to do everything I needed to be satisfied with the bank. The condo 's price was XXXX so I assume was within the price I got the pre-approval. Therefore we went ahead with the process. Already in XX/XX/2020 the XXXX said everything is fine with the loan. The closing was for XX/XX/2020. Additionally I proceed with the Inspection {$150.00}, the Appraisal which was paid to the Bank of America {$580.00} ( XX/XX/2020 ), HOA application {$100.00}, The officer said I need a online class for first time home buyers {$35.00}. After all six months of stressful and expensive process, I got a call from the officer that my loan was DENIED! I feel discriminated and deceptive by the Bank of America. Why they did NOT denied the loan at the beginning? They caused me a big financial and emotional distress.

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 2020-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I have never received any communication from Phoenix Financial prior to them putting this {$1500.00} debt on my XXXX and XXXX  credit reports. No letters, nothing. In the two reports they claimed my first date of delinquency was XX/XX/XXXX, yet I didn't even go in the hospital until XX/XX/XXXX so how could I be delinquent before I went in the hospital? Is this even my debt? I don't think so. All medical debt incurred for my ONE hospital visit was paid by my SSI XXXX insurance so I truly believe this to be a scam. 

For months Phoenix Financial reported this unverifiable medical debt to my XXXX and XXXX credit reports erroneously. After disputing this debt online and sending Phoenix Financial a debt validation letter ( with no response ) XXXX and XXXX removed this debt from my credit reports. Fast forward a few weeks, to today, XX/XX/XXXX. I was alerted to activity on my XXXX   credit report. It turns out that Phoenix Financial is now reporting that same bogus medical debt that was removed from XXXX and XXXX now to my XXXX report AND IF THAT WASN'T BAD ENOUGH, they duplicated it and reported the same account for the same amount of money FOUR TIMES, EACH with a different " open '' date and none of the dates matched the date they first reported on my other two reports.

That's right, they took the same {$1500.00} debt and duplicated it four times using different " open '' dates. These are highly deceptive, fraudulent practices by this debt collector who is knowingly breaking federal law under the FDCPA. If they don't remove these false debts from my credit report I will sue them and I will win! This is criminal and I will not continue to let them harass me like this. I appreciate any help you can give me with this rogue company. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Netspend Corporation
State: CA

Complaint narrative:
Have tried resolving issue with NetSpend regarding transactions that were not authorized by me. I went to check my account balance on XX/XX/20 and it was drastically less than what should have been in the account. Had my stimulus and tax refund in the account before I was XXXX for a XXXX and did not come home 7 weeks. Looking at the information that NetSpend provided ; appears that they allowed someone to change all the information on my account and failed to see the red flags. The address, phone number, passwords were all changed and a 2nd debt card was also ordered. According to the bank transactions, they all occurred in XXXX CA and during the time I will staying in the XXXX. My XXXX had to help me reset my information, but we could not get into my account because all the information was changed. There were multiple purchases made in the amount of {$1800.00}. I only made one purchase with the card at XXXX in XXXX CA and this was a transaction I made. I was not aware of the other activity on my account. Netspend denied my claim because they say my pin was used, but I had my card with me in the hospital the whole time. That is when I was told that there was an additional debt card on file. They would not tell me what address was being used, but did say that it was in XXXX CA. Netspend asked for my medical records, which is strange because it is against HIPAA laws to request medical information. I will gladly provide this as I was unable to move, nor make calls during my stay at the XXXX and XXXX XXXX. Please help resolve me resolve this issue. I have already taken precautions to put freeze alerts with the credit bureaus in fear that someone has my personal information.

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 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$4700.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$10000.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 



Thank you.

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