vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I stayed in XXXX XXXX XXXX. Upon checking into the first room we noticed there were Hairs on the floor and the tub did not work. My XXXX  went down to the front desk and they offered to move us. We moved the next day as the new room was not ready until XXXX ( XX/XX/2021 ). Upon checking into that room we walked in the the cabinet door was falling off we were traveling with our XXXX yrs XXXX so it was a big safety concern. We contacted once again the front desk and they stated they would send someone up ASAP, that never happened. The engineer stated on the phone it was a cabinet guy issue and he was got for the day then the engineer stated is not his job, this was on the phone only they never came to the room. Later the night I attempted to take a bath and the tub was backing up into the shower. I called and they once again said they would send someone to fix it, that never happened the whole time we were in that new room you could not use the hot tub. Upon check out the front desk XXXX stated we would not be charged for the room. We arrived home in XXXX and noticed they in fact charged my credit card which I never signed nor authorized was charged. The room was always under my XXXX XXXX name. I gave them my card to move to the new room just for a hold not to charge me, I also questioned it upon check out and was told it would drop off, it did drop off and I locked my Capital One card but Capital one still allowed a charge to post a few days later. I contacted Capital one immediately and disputed the charge. They received a rebuttal from XXXX showing the invoice which does not have my signature on it. Capitol One required I supply several documents which I did and still will not refund my money. I have spoken to several supervisors at Capital One the last one I spoke to was Operator XXXX who stated to contact XXXX and deal with them. I have attempted on several occasions to rectify this issue with XXXX and Capital One with no success. I am requesting this be investigated and a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
earlier this year I was impacted by COVID. I paid and settled one account with Midland credit, and told them the maximum amount I could pay to settle the other was between {$200.00} and {$300.00}, the entire amount in my savings account at the time, as I had just received what was my final paycheck from the job I was let go from due to COVID. I was told they simply could not do that on the phone and online when I inquired, and that there were no other options for me. I can not afford the entire balance on any of their " convenient payment plans. '' Since then, they have threatened a lawsuit, serving papers, etc. I find these threats both inappropriate and poor business practice since I chose first to reach out to this business and settle with them, and have settled another account with them. As I know collectors purchase debt for pennies on the dollar, I know they CAN help me, and are choosing to threaten me instead, which is an unfair tactic, and also harassment. I receive calls multiple times a day, all hours of the day, which impacts my work, as I am finishing a XXXX degree, entirely on a scholarship I wrote for, because I couldn't afford school, so I won't be IN these situations. Further, legal action could jeopardize my licensure, which is intentional, since I told this to the representative on the phone, as I was desperately begging to settle and make good on the debt as best I can given my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: CA

Complaint narrative:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( XXXX ) and account number ( XXXX ) .This request has been denied and I would like these inaccurate information to be removed. 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN EQUIFAX ONLY XXXX XXXX XXXXXXXX XXXX IN XXXX AND EQUIFAX ONLY XXXX I would also like these inaccuraXXXX information to be updated XXXX 



IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX IN XXXX XXXX AND EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ONLY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: LA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Money was sent to this company/individual who scammed me saying never received money after I sent him wire transfer date XX/XX/2021, amount {$400.00}. I messaged him via text and pls find enclosed attachment of the conversation, his reply ( never received money ). I tried contacting my bank SANTANDER and they have denied my claim 3 times without even contacting the XXXX XXXX for dispute and claiming my hard earned money back.

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 2021-12-10 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: SC

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: LA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I submitted a dispute ( note the below Complaint ID below ) 3 weeks ago regarding XXXX XXXX XXXX and XXXX that said I owed over XXXX for a card that I never applied for nor used. They said the XXXX was due to origination fees and late fee 's. Your company helped me resolve their errant reporting. But they also sold the debt to a debt collection company ( NCA that is Reporting still ). This is linked to the above account and should be removed as well. Please see their information. 



Original Complaint Filed COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit card or prepaid card ISSUE Getting a credit card Please see the company ( Debt Collection Company Below hired by XXXX XXXX ) NCA Last reported XX/XX/XXXX {$430.00} Open balance XXXX XXXX XXXX XXXX AND XXXX XXXX  Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 3 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXXXXXX XXXX  AND XXXXXXXX XXXX Report info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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:
XXXX XXXX XXXX acct # XXXX - disputed multiple times came back verified, I am not now nor have i ever been a customer of this company, the credit bureau has failed to provide an original signed copy of any agreement as required and are therefore reporting information that is not 100 % accurate XXXX has already removed this account due to error

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 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastpoint Recovery Group, Inc
State: FL

Complaint narrative:
Calling family members and leaving voicemails with personal information. 
Calling wife 's work phone. 
Never sent written information about alleged debt. 
Leaving false claims in voicemails. 
Calling repeatedly. 
Threatening to take adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Someone charged {$800.00} on my paypal account without my permission. Their shipping address was listed as XXXX XXXX XXXX, XXXX NY, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
For the last XXXX of months whenever I try to log into my XXXX Credit Card account, managed by Synchrony Bank, I am unable to log in and manage my account due to errors with their sending a security code to my cell phone. They continue to show an old landline number for my account on the log in page. They say they have removed the landline number, but in fact they have not. They say they have reset the page but they have not. 

I believe this is a deliberate attempt by Synchrony Bank to force customers to make payments " as a guest '' instead of being able to log in and see details of their 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 2021-12-10 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: Rausch Sturm LLP
State: FL

Complaint narrative:
I closed My XXXX XXXX account after 20 years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX  card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. 3 months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " Second Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a lawyer to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a lawyer with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!

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 2021-12-10 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: TX

Complaint narrative:
We operate a XXXX  dollar business that generates XXXX in revenue monthly. All because of an incompetent representative in the backoffice that decided to flag our brokerage account that we wire to on the daily and weekly basis without doing their research, we are losing money by the day. We make XXXX XXXX  weekly, a Gold Preferred Business Checking client, we collect thousands of dollars in echecks from our merchant that deposits into our bank daily. There was a false flag on the payee account that we send our funds to which belongs to us, that millions of others use and that brokerage holds over several billion in assets. A client made a false complaint back in late XXXX or sometime near XXXX XXXX XXXX that caused this whole commotion. They said one bad apple doesn't ruin the bunch well that isn't true in our case. Our deposit for {$64000.00} in a form of echecks was deposited and cleared, now is being held because of the payee we transfer our funds to?? You would think that this clown would look into our extensive account history dating back from XXXX up until now with this payee that everything checks out as legitimate. This person put a hold and useless investigation that not even managers or supervisors in the fraud department can attempt to resolve. We literally run our business on a daily basis and the last 3 days now this person has caused us to miss out on 6-7 figures in weekly revenue. Unbelievable. This is how you treat a business client who has been banking with you guys for over a year due to a false report in the wire system?? Are you kidding me!!? I have already filed a XXXX  complaint as well. I have talked to over six representatives and their supervisors/managers and not even they can resolve the issue. It is not fair that you prevent us from not only transferring but also halting our business from collecting the echecks? Our clients are wondering what the XXXX is going on as the funds have been collected and we have not responded to the status of their orders. We are still recovering from this financial crisis and this person that is " investigating '' and puts their own notes is preventing us from moving forward. Our balance is now depreciating rapidly and will soon be negative thanks to the " Smart '' person in the department that claims they are trying to protect us which in reality is hurting us. This needs to be addressed now, we love this bank but those are all swaying to the other side now due to just one XXXX  person.

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 2021-12-10 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
They only gave me some credit not all and wont do anything else, even though the transaction that made my account negative plus their overdraft fees was unauthorized

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 2021-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On my drive from Virginia to a job interview in Florida my car was repossessed in Georgia where I stopped to sleep. Toyota Financial Services never sent me a letter of demand or plan to sell property before repossession. They never notified me that they issued an order to repossess my car. My car was grabbed on XX/XX/2021 and the person who took it did not notify the police or sheriff which is against the law. Toyota agent told the police that they did not issue the order for repossession on XX/XX/2021 and its in the police report. Toyota informed the police that they received my full payment and a prepayment for XXXX and that the loan is reinstated. I borrowed money from a friend and paid {$2300.00} in full and Toyota accepted it the morning of XX/XX/2021, then 4 days later on XX/XX/2021, I called them for any letter in writing and they emailed me a notice of a plan to sell the property if I don't pay over {$12000.00} by XX/XX/2021 with no reinstatement rights. Toyota gave me the phone number to XXXX XXXX XXXX for any questions about my property inside the car or whereabouts of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Meridian Financial Services , INC has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Meridian Financial Services , INC reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.

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