vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lakeside Recovery Solutions
State: FL

Complaint narrative:
On XX/XX/XXXX I received a phone call from my daughter saying that someone called her from Lakeside Recovery Solutions ( XXXX ) looking for me saying that the number they had on file was disconnected and were pressuring her for my number! When she said she wouldn't give it to them and that she would pass along a message, they got rude and said " well you'd better give her the message! ". She did and now I am filing this complaint. They did call my number before and my security app blocked them earlier that same day at XXXX ... .I do not know who these people are so I XX/XX/XXXXthem. Please help! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XXXX and XXXX I was victim of fraud several times on My best buy ( citi bank ) credit card and I reported all of them and opened a dispute. In the begining they gave me credit for those transaction but the following month they rebill me one of those transactions. The amount of that purchase was {$740.00} on XX/XX/21 at best buy store in XXXX NJ. They told me the reason why they rebilled me was because " I stayed that I had my credit card ''. They assumed that I did it because the receipt says " card was present " at the moment of the purchase. I appealed that decision and I submitted proofs that support that I didn't do it. I went personally to best buy store in XXXX NJ and asked them a copy of the receipt. The store manager noticed that on the receipt the card number matched but the id member number didn't. That member ID belongs to other person located in Massachusets. Beside this proof I emailed them a copy of police report, a letter from my job staying that day I was working at my job location in XXXX. Then I verified if they received all documents, They told me that they are going to contact me but they never did it. I called several times and their answer was " there isn't enough evidence '' and the appealed was denied. I asked them to talk with a supervisor, they said that a supervisor is gon na call me and I am still waiting. I want to solve this issue but they aren't helping. I have been his client for over 10 years and I never made a late payment. I've been victim of fraud and spent hours and hours on the phone trying to solve it.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I got a phone call from a Mr. XXXX, he left as voice message stating he worked for an attorney named XXXX XXXX. He was making a final attempt to deliver a summons for court. He tried my home and my work and could not locate me. If I needed any further details, please contact this legal firm. If I did not contact them, it would result in further legal action without my knowledge or consent. I have been served. 

I then called and spoke to Mr. XXXX and told him that I don't have a place of employment, and that I was on Social Security. I also told him that I don't recognize that debt. It was from an Orchard Bank, for a XXXX Visa card, in the amount of {$1800.00} He told me that they would take me to court and I would pay all fees therein, which would amount to approximately {$4000.00}. 
I asked him what was charged on the card and he said he couldn't tell me that information, but I could ask the judge for them to reveal that, but it would cost me another {$1500.00} because we would both have to show up in court again. 

I advised him again that I was on Social Security and could not afford this debt that I wasn't even sure was mine. He had all my personal information. He stated the debt was from XX/XX/XXXX to XX/XX/XXXX, This is 12 years ago, and this is the first I have heard of it? I told him that I was afraid that this might be a scam. He said it was not and gave me the attorney name of XXXX XXXX. 

He also said that he could put me on hardship program of $ XXXX/month, and that would come out automatically every month. He said he would talk to the attorney, and make sure this was a good offer and he would get back to me today. He called and left a message today that the attorney would give me two options and to call him and we would get this going. He emailed me a Docu-sign that I was supposed to sign and email back, it had two offers on it, but I was afraid to open it, so I didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: PA

Complaint narrative:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2021-07-13 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: CT

Complaint narrative:
I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.

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 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
capital one stated they closed my account on XX/XX/2021 due to a returned payment that was in default from a XX/XX/2021 payment. I called in XX/XX/2021 to try to see what happened to that payment and another payment that I tried to pay the balance in full for XXXX dollars. The representative told me as long as I make some kind of payment then my account would be okay which I did for XXXX dollars. The very next day they closed my account. When I explained their system made an error in trying to pull the money from my old bank account the first time, which was verified then they lied and stated that is was closed due to a second payment that was returned from another bank account. When I asked to verify what bank account number they had so I can make sure it was my error in entering in the information they proceeded to tell me that they could not provide that information nor reach out to my bank to verify any account. Even though I was able to pay the account in full they said they reserve the right to keep my accounts closed even though I have been a loyal customer and have made every attempt to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I applied for a cash out loan with Quicken/Rocket mortgage I was quoted a 3.25 % interest rate with 75 % LTV and my current XXXX score at a 1 % charge. I locked in the rate and moved forward. My appraisal came in low and rather than reaching out to discuss options with me they sent a new loan estimate with almost 3 % being charged for the same rates everyone else is charging 1 % for. I received other quotes and locked in with another company for same rate and less than a point charge. I have a 2 part complaint 1 ) when I escalated my XXXX deposit to be returned due to non communication i was told when I emailed and asked for my loan to be withdrawn because of the issue and no communication it was my fault I did not ask for options and that it was my job to reach out to them and discuss options when i received the loan estimate..EXCUSE ME this is the lenders job they should be discussing any changes with clients before making them period and reaching out within a 24-48 period to discuss options - they dropped the ball and want to put it back on me, the consumer - I want my XXXX refunded they did a terrible job at communicating. part 2 of complaint I feel the excessive charge in rate should fall under predatory lending practices they should not be able to charge that much more for the same rate available any where else for so much cheaper. In fact I locked in same rate with higher LTV at 80 % and same XXXX  score. 
i emailed XX/XX/XXXX after waiting at least a week if not 2 weeks to hear from them, escalated deposit issue on XX/XX/XXXX and received return call today XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Money was being transferred from my account to others financial institutions. 
Dates= XX/XX/2021 - XX/XX/2021 Action= Filed a complaint with my bank and the other institutions involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
This complaint is the result of numerous actions trying to get a fair solution to this issue. 

There is a late payment reported in XX/XX/XXXX on the XXXX AUTO LOAN : XXXX XXXX XXXX. Account # XXXX. I am a frontline worker XXXX  and essential worker. I got an extension after lease was extended. I was affected by covid-19. I was locked out of app and when I called XXXX, they told me no payments were due. 

I have been through a really hard situation that has a simple solution. It has affected all areas of my life ( emotional, familiar, financial life ruined, etc. ). Your company has committed multiple violations of the FCRA : - Negligence - Unfair business practices - Failing to provide online access - Failing to give deferment - Failing to send late payment insertion notice My demand is to get the late payment or the entire account removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Remove fraudulent activity from my credit report, enclosed with this complaint is a copy of certified dispute letters that was sent out the Bureaus, I am fade up with this information being on my XXXX credit report, I had no XXXX idea that someone would do this XXXX too me. Delete this information please and send me a copy of my updated credit report. I am being ignored for some XXXX I had no knowledge about.

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 2021-07-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
DISPUTE LETTERS WERE SENT TO THE AGENCY AND WERE DELIVERED ON XX/XX/21 AND XX/XX/21. AGENCY HAD 30 DAYS TO PLACE A NOTICCE OF DISPUTE ON THE ACCOUNT THAT WERE DISPUTED. AGENCY FAILED TO PLACE THE NOTICE OF DISPUTE ON THE DISPUTED ACCOUNTS.

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 2021-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
Hello, Im shocked, surprised, XXXX XXXX both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RoundPoint Mortgage Servicing LLC
State: KY

Complaint narrative:
XXXX, from roundpoint mortgage, left a message using my and my wife 's name on a number covered by the Do Not Call List. I called the call back number on the recording and the ( actually really nice ) lady kept referencing a file but kept saying she could not tell why XXXX had called us on our home phone. I could see it maybe being a wrongly dialed number but he stated me and my wife by first and last name.

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 2021-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX  balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but XXXX XXXX XXXX  reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. 
Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a mattress from Mattress Firm located at XXXX XXXX XXXX in XXXX, TX ( Store # XXXX ). I paid for this purchase in full, using my Visa credit card. I merely asked the sales representative, XXXX XXXX, if they offered any zero interest financing for the purchase and what the length of repayment would be if I were to decide to finance. He told me he would need to check what offers are available, and he asked for my social security number. After a few minutes at his computer, he tells me that they are offering 6 months No Interest if Paid in Full within 6 months. I replied that I'd rather just pay for the mattress in full that day, instead. At no point in our conversation were the words, " credit card, '' " application, '' nor " line of credit '' EVER mentioned, and I thought no more of the subject. 

Five weeks later, on XX/XX/XXXX, I was surprised and confused to find a welcome email from Mattress Firm congratulating me on my new Mattress Firm Synchrony HOME Credit Card. After then receiving a credit card in the mail from Mattress Firm & Synchrony Bank, I decided to go into the store to speak with XXXX XXXX as to why I would have been signed up for a credit card with Mattress Firm, against my wishes, knowledge, and permission. He claimed it must have been miscommunication, which is flatly false. Why would I want to apply for a store credit card with a monthly credit limit of {$6000.00}, when I had already purchased a {$3000.00} mattress -- something I only repurchase once every decade? At that point I asked him what he and his company would do to correct the error. He told me that nothing could be done, and instead recommended that I just close the credit card. 

This fraudulently opened credit card account has already negatively impacted my credit score, and I have absolutely no use for it. I never, at any time, authorized, signed for, nor agreed to open a new credit card at Mattress Firm on a whim. In fact the last time I applied for a new credit card was 5 years ago, and only came after careful deliberation, extensive research, and very clear and explicit authorization to open the 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 non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, I saw an ad for a set of wheels for a car on XXXX account XXXX XXXX XXXX. Contacted the account owner through XXXX messages and asked for the price of the wheels plus shipping. Was given a price of {$500.00}, {$400.00} for wheel plus {$100.00} shipping. Sent {$500.00} thru XXXX from my Capital One Checking account to XXXX XXXX thru his email contact XXXX. On XX/XX/XXXX, Seller sent message stating that was getting ready to ship the wheels, but then requested another {$300.00} for shipping insurance. Told seller that I paid the price I was told for shipping, which was {$100.00}. Asked for a refund and seller stated they did not give refunds. Only gave refund for items that did not meet the buyers needs. I tried to request money back through XXXX, I got a message that there was a problem with the recipient 's zelle account. Also the XX/XX/XXXX page post have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: CT

Complaint narrative:
I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.

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