vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I made a down payment for furniture at the beginning of XXXX under the impression I would be moving by mid XXXX for the amount of XXXX dollars. About 2 weeks later I was placed on bed rest due to complications with me XXXX. I contacted the company I purchased the furniture from and requested a cancellation. Spoke with the manager and was told to dispute the charge with the bank when they refused to work with me on a refund. As well as the unit I was promised never being vacated by the previous tenant, effectively canceling my move for the foreseeable future of at least a year. My bank has effectively issued a credit from me opening a dispute and taken it back from my account with no warning. I am unemployed due to XXXX and the pandemic resulting in lay offs in my career field which is XXXX so its disheartening to punished for complications beyond my control. I never received the furniture and had a remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: PA

Complaint narrative:
Around XX/XX/2020 I received email notification of XXXX charges on my Capital One card. I called Cap 1 and went through the usual fraud reporting and the charges were removed and a new card was mailed to me. BEFORE I received the new card I started receiving email notification of charges from XXXX that were mot mine on that card. 

So I checked my XXXX account and none of the fraudulent charges are in my XXXX account. 

I called Capital One and reported the fraud but did not request a replacement because I think somebody has hacked Capital One since the hackers are getting brand new credit card numbers faster than the actual cards can be delivered in the mail. Representatives of Capital  One denied this. 

Yesterday, my girlfriend 's Capital One account was hit with fraudulent XXXX chages. She has never used XXXX and has no XXXX account. 

I think consumers should be notified about the hack at Capital One. It should be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have written several letters to Portfolio Recovery Associates asking them to verify 4 debts that they are requesting me to pay. All this company do is send me a bill with the amounts of XXXX, XXXX, XXXX and XXXX. I have asked them to send me documentation bearing my signature that this debt belongs to me. My last letter was dated XXXX and once again I was sent a bill nothing validating the debt. This violate my right under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I called Merchant Medical once in XX/XX/2020, and again in XX/XX/2020 to have XXXX XXXX taken off my credit report because the debt was paid.I still have the debt on my credit report.I contacted XXXX XXXX and they say I owe nothing. Merchant Medical is ignoring this imformation, and continuing to ruin my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
i recently obtain a copy of credit report and noticed accounts i did not authorize

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I paid out Caliber Home Loans - loan number- XXXX. According to my mortgage statement I had an escrow balance in excess of {$1100.00}. I sent 2 e-mails starting on XX/XX/XXXX and have left 2 messages. To date no response. Their automated system states that they will get back to you in 5 days that didn't happen. 
Their XXXX number is XXXX. According to RESPA the refund should have been issued within 20 days. 

Mr. XXXX XXXX is the Chief Executive Officer and should be made aware of what I believe to be a gross negligence that could result in a revocation of a Lender License for not complying with Federal Laws. At the least customer correspondence should be answered in a timely manner. 

My number is XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made my payment to my cap1 Walmart credit card instore on the XXXX of XXXX when it was due. I have a reciete showing the date on it. When I called cap1 on XXXX the manager said I must not of made it by cut off and quoted me times for online or over the phone payments. No place on my statement does it say how in-store payments will be processed. I received a {$39.00} late fee for making my payment on time! They should stop taking pymts instore if there is a cut off. 
XXXX was so much better of a company to work with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2020 I tried to purchase a swimming pool ladder. The vendor was XXXX they were using PayPal as method of payment. The advertised price was XXXX. After providing my credit card information I was given no receipt or tracking number. I them checked my credit card and was charged XXXX. I contacted paypal to report fraud. I also contacted XXXX XXXX to report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authroize

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 2020-08-30 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authroize

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 2020-08-30 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: MD

Complaint narrative:
i recently obtain a copy of my credit report and noticed accounts i did not authroize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: MD

Complaint narrative:
i recently obtain copy of my credit report and noticed accounts i did not authorize

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 2020-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
I requested validation of a alleged debt from Optimum Outcomes ... ... they sent me a letter with no date on to claim that that is their proof of validation, Yet OOI failed to include answer to the questions in my request for validation Pursuant to the Fair Debt Collections Practices Act and the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
Fortiva Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed Fortiva Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and Fortiva VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, XXXX  decided to REMOVE this entire account from my credit report although Fortiva has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to XXXX  multiple times and Fortiva multiple times and the account is still not reporting to my XXXX  file. I have paid this account and would appreciate if it could reflect my payment history greatly on my XXXX  file. 

Equifax claims it's an issue with Fortiva, Fortiva claims it's an issue with XXXX. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND FORTIVA AND XXXX  CONTACT EACH OTHER DIRECTLY! 

FORTIVA RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Retail Credit account. Your correspondence expressed concern that you would like for your Fortiva Retail Credit account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a Fortiva Retail Credit account to finance a purchase in the amount of {$2400.00} with Vivint Smart Home. The Fortiva Retail Credit account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay  more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued Fortiva Retail Credit customer. Sincerely, XXXX XXXX On behalf of Fortiva Retail Credit* XXXX XXXX  XXXX  XXXX  is the creditor of the Fortiva Retail Credit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed XXXX Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and XXXX VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, EQUIFAX decided to REMOVE this entire account from my credit report although XXXX has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to Equifax multiple times and XXXX multiple times and the account is still not reporting to my Equifax file. I have paid this account and would appreciate if it could reflect my payment history greatly on my Equifax file. 

Equifax claims it's an issue with XXXX, XXXX claims it's an issue with Equifax. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND XXXX AND EQUIFAX CONTACT EACH OTHER DIRECTLY! 

XXXX RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your XXXX XXXX XXXX account. Your correspondence expressed concern that you would like for your XXXX XXXX XXXX account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a XXXX XXXX XXXX   account to finance a purchase in the amount of {$2400.00} with XXXX XXXX XXXX. The XXXX XXXX XXXX account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued XXXX XXXX XXXX customer. Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX is the creditor of the XXXX XXXX XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 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: New Era Asset Management, LLC
State: TX

Complaint narrative:
On XX/XX/2019 XXXX-XXXX add 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 it's mines. According to the FCRA. NEW ERA ASSETS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reserved a car on XX/XX/XXXX at XXXX to be picked up on XX/XX/XXXX I paid nothing and only gave them my drivers license .Never signed anything or gave them my SS # I picked up the car on XX/XX/XXXX at which time I was given a receipt for the amount put on my credit card.I was then shown a tablet and asked to initial XXXX : insurance and dogs. I was NEVER at any time given the entire lease agreement nor again did I give any XXXX my SS # After I had signed I was emailed the statement but had to search for the terms and agreement, again this was not discussed or shown at the time of pickup. 
I was notified by credit monitoring that XXXX pulled a credit report on XX/XX/XXXX ( when I reserved the car ) and again on XXXX when I picked up the car. 
Again I never gave them my ss # nor was I given or did I sign or read the lease provisions at any time while at the location.. 
I want XXXX of those requests taken off my credit report as they had no right to pull a credit report prior to me actually signing for that car. 
That makes XXXX dings to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
just started building, and monitoring my credit a few years ago. I noticed that there was a {$340.00} amount listed under derogatory remarks. This was listed as XXXX, for the company XXXX. I tried several times to dispute through XXXX XXXX. Results came back that monies were owed. One of My issues is that I never received a phone call, or bill in the mail about this at all, ever. I have no idea when this debt was from. The other issue is that this was listed on my credit with XXXX, for XXXX, then was dropped off of my credit on XX/XX/20, then this debt was re-added on XX/XX/20 under another debt collection company called IC Systems, for the company XXXX. I believe that this may be something from many years ago, but I don`t really know. Also, how is it possible, or legal for this to be removed from my credit for approximately a month, with one debt collection company, under XXXX, then re-added to my credit by another company, under current business name, XXXX, same debt? 
I currently have, and have had XXXX  services for many years, and never received any notification of any monies owed. I believe this original so called debt of mine is way too old to be on my credit at all.

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 2020-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: NY

Complaint narrative:
To : Freedom Debt Relief Crossroads Financial Federal Trade Commission Consumer Financial Protection Bureau Attorney General of New York, California, and Arizona Bar Association of New York, California, and Arizona XXXX XXXX XXXX To whom it may concern : My wife and I entered into the Freedom Debt Relief Program on XX/XX/XXXX current on all debts and financial obligations with the promise and guarantee to save us money at end of program and out of debt. In the 10 months of the program we going to end up with a much larger debt at end of program and are now exposed to law suits, liabilities, liens and possible garnishing of wages. This was due to extremely misleading debt procedures and actions. Our credit rating and resources have been so devastated this short time that our credit life may never recover from our dealing with Freedom Debt Relief. The quality of our life has severely affected by our plummeting credit rating and residual effect on other credit cards being so limited or now not usable. After more research online and information from financial advisors, we ended the program on XX/XX/XXXX with Freedom Debt Relief. 
We contacted XXXX XXXX at XXXX to get out escrow funds released and was told that it would be a three to five week time period for funds to be released. I was then transferred back to Freedom Debt Relief and after 55 minutes on phone being transferred around for clarification of the time period stated. I was then transferred to XXXX in the resolution department and was told that all funds in the escrow account ( {$3300.00} ) would not be returned and was to go to Freedom Debt Relief for services rendered. 
The following is from the agreement signed by my wife and me : You may terminate this Agreement and  withdraw from your debt resolution program at any time, without any termination fee or other penalty. Upon withdrawal or termination from your debt settlement program, you are entitled to receive all remaining funds in your Dedicated Account Respectively, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/30 I found out via email ( in Spanish ) that an electronic transfer was submitted through PayPal. I immediately went to PayPal.com and the first problem was after entering my email address ( username ) everything was in XXXX with no way to convert to XXXX. I found out *after* you log in, you can change the language preference - which, of course, was of no help to me in the moment. I deciphered the foreign language through an external translator, and got what I needed to log-in. I saw a pending {$1000.00} bank transfer from my linked bank account in PayPal with an estimated delivery date of XX/XX/XXXX. The transaction was initiated a couple hours prior. I immediately changed my password and turned on two-factor authentication. I tried to call PayPal, and after several minutes of XXXX prompts I was told " I'm sorry we can not help you over the phone '' and it disconnected. I read through their XXXX how to report unauthorized activity. I went through the directions in the XXXX XXXX. As this is the only transaction in the history, I selected the {$1000.00} ACH transfer and clicked XXXX. I was taken to a page that stated : " We're unable to file a case on this transaction. Since this is money youve received, you'll need to contact the sender directly to resolve your issue. '' I tried this a couple times to make sure I had everything right ( which I did ) and ultimately have been unable to mark this transaction as unauthorized. Tried to call PayPal again - was also brought to the abrupt disconnect announcement. One last thing, I also tried to change my security questions on PayPal ( on a desktop computer ) and -you guessed it- problems there too. After changing the XXXX questions, it says " Sorry, something went wrong. Please try again. '' So I did. And again. Same problem. So how am I supposed to ensure the same dirtbag doesn't hack into my account again if I can't update the security questions? This is unacceptable for a company of this size and volume. The fraud protection, prevention, and resolution area is completely unprepared or unable to address unauthorized, criminal, and fraudulent activity. I think an investigation needs to occur at the company and in particular the tools and resources they've so poorly designed for the consumer.

Company response to consumer: Closed with non-monetary relief