vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a prepaid card, and I put my own money and, I never get any credit besides my own money, now they report to the credit bureaus that I have to pay more than {$800.00} dollars which is unlawful, I have a rights and please help, because this bank is reporting that Im an delinquent, I see this irrelevant and frivolous and must remove from my credit and update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been violated by Capital One Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Profit Services Group
State: GA

Complaint narrative:
I was first contacted by Profit Services Group on XX/XX/2021, at XXXX am. I sent a letter asking the company to validate the debt on Thursday, XX/XX/2021. On that same day, I received a letter with a claim of the alleged debt and a summary of the debt. 

Thursday, XX/XX/2021, I received a letter responding to my request for validation. I do not feel like the company validated the debt so I sent a letter asking the company again to please validate the debt by providing me : Proof of their right to own/collect the alleged debt, the balance claimed including fees, interest, and penalties plus a contract bearing my signature. 

Thursday, XX/XX/2021, I received the same letter and summary. Wednesday, XX/XX/2021, I sent a letter to the company to inform them that I am going to file a complaint against the company. 

Not only have the company not provided the validation needed to collect the alleged debt, but I was also contacted via phone after requesting them not to.

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 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Aequitas Capital Opportunities Fund, LP
State: TN

Complaint narrative:
CarePayment sent me a " bill '' in the mail and they have violated several sections of the Fair Debt Collection Practices Act. 

1. They included language on the front and back of the envelope that imply that I am in debt. That violates my consumer 's right to privacy and also violates section 15 USC 1692F8 of the FDCPA. All mail carriers and everyone who is at my abode location sees this information!

2. They also stated in the letter that I owe {$120.00}. That is also a violation of the FDCPA section 15 USC 1692B2 because it states that you CAN NOT state that such consumer owes any debt.

3. The Truth In Lending section says that in ANY consumer credit transaction the finance charge is supposed to be the SUM OF ALL CHARGES and there are to be no cash comparable type transactions included. That means I am not supposed to be billed anything under a consumer credit transaction. CarePayment is in violation of federal law 15 USC 1605 AND 15 USC 1692E10. They are using false representation and deceptive means to attempt to collect an alleged debt concerning a consumer.

4. CarePayment also used obscene and profane language in the alleged " bill '' that they sent to my abode location. They used threatening language in the contents of the mail to persuade me to pay a bill that I am not supposed to be billed anyway. They used threatening language of adding late fees 5. CarePayment also violated section 15 USC 1692 ( 2 ) ( A ) of the FDCPA. They falsely represent the character, amount, and legal status of an " alleged '' debt that they sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: EQUIFAX, INC.
State: MA

Complaint narrative:
For over a year now my XXXX XXXX credit card trade line has not been on my Equifax credit report but was on my other credit bureaus reports so I called Equifax and was told the reason for this is that my credit card was removed from my credit file with XXXX so I filled a dispute to get it added back to my Equifax credit report. At the end of the dispute nothing was resolved and the reasoning for this was because XXXX XXXX was no reporting to them. After I received this information I submitted a dispute directly with XXXX XXXX in which it was resolved XX/XX/2021. XXXX XXXX has shown proof along with a AUD number stating that the trade line was added back and they are normally reporting to Equifax. Now 5 months later Equifax is telling me on the phone that they dont not see this and it may be due to a issue with their business department. This is beyond frustrating. It is preventing me from living my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TX

Complaint narrative:
There is a bankruptcy on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove.

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 2021-11-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I have an open complaint XXXX that I wish to add additional new data to. The Collection Agency PHH has sent me another illegal demand to force place flood insurance on my already maximum insured property. This " second and final notice '' is an illegal collection activity and is in violation of all Federal rules and regulations regarding reverse mortgages and collection agency practices

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
Hello, I am not sure what these items are on my credit but I would like them removed NOW please. This is unfair and I have already submitted a dispute to have these removed over 30 days ago but they are still there. I will attach all documents below.

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 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XXXX XXXX I received an email refund confirmation from XXXX for a {$10.00} item credit transaction to be posted to my within 10 business days. The original purchase was made on XXXX on XX/XX/21 using my BOA debit card. I had closed my BOA checking account prior to the credit posting and Bank of America cant locate where my credit went. XXXX confirmed that the credit was not returned to them by Bank of America and that the transaction could not be returned by Bank of America. I believe its in a held account with Bank of America since I had closed my account. BOA would not open a Regulation E claim for the missing deposit on the closed account. They kept telling me they couldnt help me because my account was closed and transferred me multiple times to different departments.

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 2021-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Earnest Inc.
State: WA

Complaint narrative:
My lender is Earnest.com. My regular monthly statement should have been released on or about the XXXX ( XX/XX/XXXX should have been the most recent ). They have not sent it. 

I waited a few days and called in and they said it was a known issue, still no statement. 

A few days later I received an email from them saying to log in and review my statement, still nothing, so I called in the next day. They promised they were fixing the issue and the statement would be out by the end of the week ( XX/XX/XXXX ) - XXXX XXXX came and went still nothing. 

They don't have customer services on the weekends so today- Monday Morning - I called in and they now say they have no ETA on when the statement will be available. 

I have a quote from another lender to refinance this student loan. It includes a {$500.00} incentive and a lower rate. All they are waiting for is a statement from my current lender Earnest and I can not get it. 

Whatever their problem is, this is not a reasonable amount of time to wait for my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
organization : Robinhood Financial LLC XX/XX/2021, I starting using a new Robinhood Financial LLC account. 
Transferred funds from XXXX XXXX to Robinhood Financial LLC. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX $ XXXX each day based on their daily limit. 

I later realized that I likely triggered SEC alerts. My account was locked and Robinhood asked me for additional proof of identification, and XXXX XXXX financial records. These were submitted. 

XX/XX/XXXX, I was given a notice of account deactivation, that they would be returning funds to the originating source, and that the process could take up to 60 days based on my bank. 

XX/XX/XXXX, I visited XXXX XXXX to identify if there were any concerns on their end. Rep said that there were none, and that they were no comments on my account. 

XX/XX/XXXX, request for " explanation of the source of funds '' XX/XX/XXXX, " We are not able to support your account '' " the funds will be returned to you within 3-5 days '' XX/XX/XXXX, message received that my debit card is activated. 

XX/XX/XXXX, full balance continues to sit in the Robinhood account without signs of any return transfer having started.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
I signed up. with crypto.com to buy and trade crypto stock. I sold all of my stock on XX/XX/XXXX and has since not been able to retrieve my money back to my bank account. I was forced to transfer all of my money into crypto.com stock as that was the only option given to me when I sold my stock. I Have tried to set up a XXXX XXXX to retrieve my funds but have not been successful, as I was told I cant be verified. Which is strange because It is the exact same information that crypto.com used to verify me before I could trade on their site. 

I have reached out to them many, many times in the chat with everyone giving me the exact same scripted answer. I was told through chat to upload documents my ssn card just recently and before a utility bill by a chat rep. They can not give me a location on where to load documents. There is nowhere to upload documents I believe unless it's requested by XXXX XXXX. None have been requested. 
We are in week two and I still have not been verified. they keep reseting my account stating everything is good to go you should have no problems. I have litterly done that 8xs. 
In the mean time my money is in their stock. I am loosing money as they hold on to my money in their stock. I was told they do this often by the chat rep. So they are Stealing my money for their stock price to go up along with others. I have no way of contacting anyone higher. 
This should be illegal

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I attempted to close an account with a remote bank - Ally Bank in XXXX XXXX, PA. 

As this was a trust account, the authorization process was much more complicated than the personal accounts I also had at the bank. With those accounts, I was able to transfer funds out of Ally via their website to my local bank. With the trust account, however, I was required to call the bank and go through a very detailed process to ensure that I was the trustee on the account. When we finally got through this process, they ensured me that they would be sending me the account balance via a check. They confirmed that on the day the account was closed ( XX/XX/2021 ) the account balance was {$12000.00} and that I'd have the check in a few days. 

After several months and several phone calls, they indicated that they had already sent the check, but I never received it. They then said they would need a notarized affidavit regarding the lost check, which I sent them on XX/XX/XXXX. Again, I did not receive any check. 

I contacted Ally again in XXXX and indicated that I had never received the check. The customer service rep finally found my affidavit and indicated that it had not been processed yet. After a long phone discussion and the significant delay in processing my request, Ally agreed to wire transfer the money to my XXXX XXXX account. I provided the routing and account numbers and waited. 

I called them again two weeks ago and again asked where my money was. They indicated that after agreeing to send me the funds via wire transfer, they'd changed their minds and in fact needed a different form of affidavit regarding the lost check and wouldn't be sending me my funds, even after a five month delay, numerous phone calls, long wait times, constant transfers amount their internal departments and many broken promises.

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 2021-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
XXXX - XXXX {$540.00} XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$320.00} The above accounts are on my credit report but do not belong to me.

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 2021-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Strategic Funding, Inc.
State: FL

Complaint narrative:
I took out small {$1000.00} loan 2 years ago. I have paid the payment back faithfully for 2 years. So Ive paid over {$3000.00} back on a {$1000.00} loan. I was completely shocked to learn that I still owed Jacksonville Title more than what I originally borrowed 2 years later. I wrote them letters & emails explaining that we are having a hard time financially. My car has been in the shop 3xs in 2 months with the mechanic fees being over {$3000.00}. We also had to start helping my sister in law pay for care for my husbands mom with XXXX. My husbands work truck was wrecked & we are having to pay out of pocket to have tons of body work done -close to $ XXXX-so he can work. My daughter is graduating high school early and have had a lot of college application fees that we did not expect this year. Many things in our life has caused us to be struggling financially a little. The truck that was repossessed was our only working vehicle at the moment, it had a lot of my husbands work supplies in the bed & back seat. It was the only transportation I had to take and pick up my kids from school & after school activities, as my car is in the shop being repaired. the title company took it anyway even though I pleaded to please give me some type of deal on getting loan paid. I really can not believe companies are allowed to do that.

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 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have been violated by Discover on XX/XX/2020. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: RS Clark and Associates, Inc.
State: MS

Complaint narrative:
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED. 

XXXX Account Number : XXXX 01 XXXX XXXX Account Number : XXXX I would also like this inaccurate information to be UPDATED TO POSITIVE : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: CA

Complaint narrative:
Lending Club Bank formerly XXXX XXXX Account was frozen unknown time frame of when my checking account was first frozen. I attempted to log in but the system would not allow me to as shown in screen shots. I also tried a password reset but that did not work either. I also tried to use my debit card but that also doesnt work. 

Spoke to XXXX on XXXX did not have an answer for me said someone will get back to you in a few days I did not like that answer so she said she would talk to a manager to un freeze my account the same days. She advised me that she would get back to me within a few minutes that never happened. 

I called again on XXXX and spoke to a XXXX and all she did was put in a ticket to some mysterious review department and said the same thing that XXXX said, that someone would get back to me in a few days via email. 

I am not sure what operation they are running here but a normal bank would allow me to speak to someone and advise me of whats going on I am not sure what type of review I am under as they can not explain to me why my account is on hold.

Company response to consumer: Closed with explanation