vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I bank with Capital One and I filed a dispute for a {$400.00} purchase from XXXX. The items purchased were not as described. I purchased hair with the intention of bleaching the hair to then dye and customize for my business. I supplied multiple forms of proof that the hair was described as being able to be bleached by the seller. But the hair was, in fact, not able to be bleached. The seller 's defense was that the items were not described this way, but I submitted screenshots of the seller 's website showing that the items are very clearly described this way XXXX the description is still currently published on the website ). I also reached out to ( 2 ) other hair companies and had them confirm in writing that the hair provided was not as described and could not be bleached. Nevertheless, Capital One has decided to deny my dispute and charge me for the items purchased. I do not believe I should be charged because the seller 's defense that they did not described the items in this way is clearly rebutted by the fact that the very same description of the items is still published on the website and available to the public. It honestly feels like Capital One did not even attempt to look at the facts provided or advocate for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank and XXXX has act in a corporate manner to charge undisclosed fees.

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 2021-03-24 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: FL

Complaint narrative:
While I was reviewing my credit report, I saw an account that is reporting on my credit file but it is false. I do not have any debt with this company, and I have no knowledge of this account. I believe this is some sort of fraud because this account does not even have any relations to any accounts I have approved. The other two Credit Bureaus XXXX XX/XX/XXXXXXXX have already fixed this fraud/error and removed the account. Please investigate this issue because it is stopping me from gaining any new credit! This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
To Whom It Concerns : I received a credit alert today ( again XXXX from GM Financial stating that my account is 120 past due, which is incorrect and being erroneously reported to the 3 credit bureaus. I received a phone call from GM Financial the month of XXXX asking for a payment that I did make and to no avail, GM still reported to the bureaus, I was delinquent 120 past due on the XXXX of XXXX. On the XXXX of XXXX, GM Financial reported that the account was a charge off. Today, on XXXX XXXX GM Financial reported that I am 120 days past due. GM received payment from me, $ XXXX  from my insurance ( as the vehicle was totaled in an accident ) ; as well as, GM received money from my warranty YET they are still reporting twice a month which is against FDCPA rules. I have attached a copy of this information to this report. In addition, I was told over the phone by the representative that the account would not be closed if I made a payment, yet as you can see on this credit alert I have attached, after GM Financial took the payment- they turned around and reported the account CLOSED-CHARGE OFF. Now, they are still sending late notifications to the credit bureau??? I am going to sue GM FINANCIAL pursuant to misrepresenting the amount of the debt ; ( 2 ) repeatedly calling me to annoy me into making a payment and reporting this erroneous information after received payments are collected and the company is still reporting false information to the credit bureaus. I receive calls from GM first thing in the mornings, all day, evenings and EVEN on the weekends- Sunday 's for XXXX Sake! They have threatened me saying if I do not make a payment, the loan would be charged off-yet I made a payment and as you can see from the attachments they reported it 'charged off '' after they received a payment in XXXX!!! Additionally, I keep having to block their calls because they are constant. Each time I block them, they call from a different number and the viscous cycle starts all over again!!!! Notwithstanding they have collected monies from my warranty and were supposed to notify me of the amount, they have not and are misrepresenting the amount of the debt! 
GM has continuously reported to all the bureaus false information more than once every month for several months. If I am correct, this is a violation as well, they will send false information one day and then turn around and report something different the next. Please see attached proof and pay special attention to the dates GM is reporting!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
Advanced Collection Bureau continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Advanced Collection Bureau reported this entry to my reports on XX/XX/2019, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. 

My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Advanced Collection Bureau. To that end, I sent a letter to Advanced Collection Bureau ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Advanced Collection Bureau is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX XXXX XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

Advanced Collection Bureau is a copy of the financial responsibility page as requested, nor did they provide a copy of the signature page with the provider of service to release my alleged information to them, as well as cease any credit bureau reporting until the debt has validated by me and they did not cease.

It is obvious that Advanced Collection Bureau is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have been trying to take my mortgage off of the COVID assistance program since XXXX for a XX/XX/XXXX payment. I have been given the run around for the past month and half! I request for a manager to me back in XXXX after the us bank mortgage rep could not tell me the details of my higher mortgage payment went up by {$200.00} and he said quote I dont know at that point I told him to put whole thing on hold and request a manager to call my wife or I back! Im still waiting for that call! 
We have called back and received different responses from different people! Im tired of being a ping pong! This is not right! 

Im doing a partial claim not a loan mod! 

They say payment is XX/XX/2021 but I have not received one document about this! I dont even know the payment! 

My PITI payment is {$1800.00} normally, why did the payment go up? They cant answer that!! 

How many times do I have to request a department manager to call me because we have been told I dont know why this amount is what it is! 
Also no spoc person either! I keep getting different people. 

How is this? This is a complete violation of TILA and RESPA This is not rocket science as I have over 15 years in the mortgage industry including over 5 years in loan serving the past 5 years! 

Everything should be moved to the back of the loan or a partial claim done! Once the partial claim is completed then US bank gets all the money back! I refuse to double pay, like they are doing! 

Not right or fair to the consumer and will be sending a complaint to FHA as well!

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 2021-03-24 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: PREFERRED CREDIT INC
State: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX  CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  that opened last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
I had a credit card with XXXX XXXX that the minimum had gotten too high. I was unemployed and couldn't pay it. I tried to get XXXX to work with me on a payment plan, but they wouldn't and eventually charged it off. This was a couple of months before the CARES act and the {$600.00} federal UI assistance. Now multiple firms have been harassing me over this debt. This firm called XXXX XXXX has started now. I even received something in the mail stating that there may be some type of judgement against me. I am once again unemployed. I haven't had income since XXXX and have been living off of savings and investments the past few months. This is predatory behavior, and I want the phone calls and letters stopped. I did make an effort to try to pay this debt before it was charged off, but the original creditor was unreasonable. Now they have purchased the debt and intend to make a profit off of me while I am unemployed ... during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited 1- {$100.00} and 14XXXX {$20.00} bills on XX/XX/XXXX. the atm made a funny noise and spit out a receipt that said transaction can not be processed contact your financial institution. we called the number on the back of the bank card and filed a dispute. we got a provisional adjustment but the a couple weeks later we got a letter saying that no error occurred and they reversed the provisional adjustment. we proceeded to make a complaint with the branch directly. They were even aware that a problem occured at the time because XXXX XXXX explained to the branch manager, XXXX, that the employee i pulled aside and made aware of the error right at the time. they took our names and contact info and we gave them an image of the atm receipt. we didn't hear anything from them for a week. i called on a monday and we told that they would call us back that day. they did not. i stopped in the next day and they explained that they keep calling the escalations department and keep getting put on hold. XXXX said she will be bringing this up in a meeting. We heard nothing for another week. i called and XXXX said she was bringing it up to her Regional manager in a meeting. she then sent an email to my husband, XXXX, on the XXXX of XXXX saying that we would be getting a call from the esalations departments in the next 2 business days. we have not gotten a call from them yet and it's the XXXX of XXXX. i called XXXX today ( XX/XX/XXXX ) and she said that she emailed my husband this morning saying he be getting a call today from the escalations department. I informed her that we are now filing a complaints to the FDIC and Attorney General. we did not get an email from her as she stated. my husband emailed XXXX and XXXX on XX/XX/XXXX saying that we were very unhappy about how they are handling this and we never got a response from them. Many times they avoid us and they say she's in a meeting or out that day and we never get a response. They did at one point say that their atm balanced for that day but XXXX XXXX stated to XXXX that they did have a discrepancy with one day about a week later that says they balanced but was indeed off {$180.00}. So how can i trust when the bank says that the atm balanced but then they find an error with that system? they are very unresponsive and not transparent about how they are handling it. i had to ask the branch manager how they plan to handle this and what the steps will be. I explained to her that i was aware that money can get stuck in weird places in those atms and asked if they plan to check that. she said she didn't want to go that route.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
XXXX XXXX  XXXX  XXXX  is charging me {$430.00} for an appointment that was not mine and impossible for me to partake in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
I recently submitted a claim against an outsourcing company called XXXX. They responded to my original complaint today stating they outsourced this debt to different collection agencies. Spoke with XXXX  Recovery and Williams & Fudge and are aware that I have spoke with XXXX  XXXX  regarding identity theft. They suggested I report identy theft to the FTC ( which I did ) so all communication would stop regarding this debt. They also stated and I quote " Nonetheless, as XXXX XXXX continues to alleged that this account was fraudulently opened, we have recalled her account from Williams & Fudge and have placed it in a " FRAUD-PENDING '' status. '' I just received an email now from Williams & Fudge with instructions to clear the debt. Obviously XXXX did not do as they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2021 I sent out an 609 form to Trans Union in order to verify that in fact this was my account XXXX. 
To no response they have not verified nor have they validated my account information from XXXX XXXX showing me proof that indeed I owed or ever had an account with them. I enclosed a copy from XXXX  showing that there account from XXXX XXXX was deleted and removed from there system. This has cause me tremendous stress.

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 2021-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: PA

Complaint narrative:
My wife received an unsolicited Cash App XXXX debit card through US mail. The card was issued by XXXX XXXX, headquartered in XXXX, Ohio. Neither Cash Ap, owned by Square , Inc. nor XXXX XXXX  provide human call-in customer service. Called XXXX and was told it was necessary to have name, address, date of birth and SSN to open account. Became very suspicious and filed incident report with local police. XXXX stated they could not close account, only XXXX XXXX  could close account. Eventually spoke to two representatives from XXXX XXXX. First stated that my wife 's identity had probably been compromised. The second person told me the bank had no responsibility for issuing the account, but the account had been closed. Also, spoke to representative from Cash App, but he would not refer me to their legal department unless I provided my e-mail. I refused. Based on recommendations from local police and booklet they provided on Identity Theft I filed reports with the FTC, FDIC and now, your agency. Also, spent an entire day placing a credit freeze on credit reports and fraud alerts on all accounts ( deposit and investment ). Advised XXXX XXXX representatives and Cash App that I was filing various complaints with governmental agencies and believed they had violated KYC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I applier for a mortgage refinance with the current mortgage processor ( NewRez ) in XXXX 2020. I was initially given a timeline to close on the refinance not probably by end of XXXX, but by end of XXXX the latest. I have been providing all the requested documentation promptly ( typically the day of or the following day. I was told they were trying to save me money by consolidating the new with the old loan which would save about $ XXXX from the overall closing cost. The delay, however, is costing me {$1000.00} every month ( a combination of the PMI I am currently paying, and the lower interest rate for the new loan. 

After my last discussion with the loan officer ( XXXX ), I was asked to provide latest XXXX and pay stub, which I did the same day. The loan processor called on XX/XX/XXXX, I returned the call and left a couple of voice-mails. I did not hear back for two weeks, when I tried reaching either of them, unsuccessfully. They called back only when I called the customer service line and told them I am considering of filing a complaint because of the big delay and information not provided on the process along the way. I was told my credit had expired and they needed to run another credit check, to which I declined until some assurance was provided that this would not be a hard inquiry posted again on my credit report 5 months after the application. I was told the loan processor would discuss with their manager and get back to me the following day, and yet not a word. As I had mentioned, the delay has costed me at least {$2000.00}, and it will keep accumulating at the rate of {$1000.00} per month. If they are delaying the process for all their customers, I can only imagine the amount of money they are making by every month of delaying the process. I just tried reaching the loan processor, but my call gets connected to the voicemail directly ; no email, no returned calls, even from their respective managers or anyone higher up on the organization to provide clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX I purchased several different crypto currencies on coinbase. {$64000.00} USD worth. The value of my account is approximately {$110000.00} USD as of now. For an unknown reason and not upon my request I am locked out of my account in every way. Can not buy, trade, and most importantly sell any of my assets if need be. I was locked out of my account in mid XXXX and tried to fix the issue thinking it was something on my end, but after a lot of research i realized it was coinbase that locked me out, I made 2 formal claims regarding this issue. CASE # XXXX on XX/XX/XXXX and CASE # XXXX on XX/XX/XXXX both describing in detail my situation and I have followed up with several emails and still no response or satisfaction on this matter. I made these purchases on the coinbase app.

Company response to consumer: Closed with monetary relief