vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was an employee working for XXXX up until XX/XX/2018. During my time their the company assumed responsibility of my cell phone bill with XXXX XXXX XXXX. It was either have a work phone as well as a personal, or use one cell for both and the company would take ownership of the line. 

Once I left XXXX I was told by their HR department that I would not have to take any action regarding the phone line, that it would automatically cancel once my two weeks was over and I was no longer with the company. This was a relief because when attempting to cancel the line directly through XXXX XXXX XXXX I was told by the phone company that I had no access to make changes to the phone line, including canceling it, because it was not in my name anymore but XXXX. 

So months go by, the phone line has been cancelled and I am with a new provider when I check my credit on my free App and it has a collection in my name for {$200.00} owed to XXXX XXXX XXXX. I was never contacted via phone, mail, or any other way by XXXX XXXX XXXX letting me know what was going on by the debt collector because they simply had incorrect address and phone information. I called XXXX XXXX XXXX to gather information about this money owed, from what months, for what services, and they could not disclose any details with me. This is because it was not considered my phone line, but XXXX, and they could not disclose any information to me. 

I have the right to dispute collections and so I did and disputed it with all three credit bureaus based on these facts. All have removed it from their reports except for Equifax. They seem to refuse to consider that I never owed a debt, and if I did was not given proper notice of a debt owed prior to being sent to collections, or the I had a collection because XXXX  had very old contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I booked a nonrefundable flight through XXXX for {$470.00} but the flight was cancelled the same day by either the airline or XXXX without my knowledge. I filed a chargeback under the reason of cancelled goods/services. I provided all the necessary information, however, on XX/XX/XXXX I was informed that the claim had not been closed in my favor. The only reason I was given was that I did not provide necessary information when I had. My flight was cancelled without my fault or knowledge and I have lost the money. Case ID : XXXX

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 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased a mattress using my debit card. I returned the mattress and the mattress company provided credits to my account in the amount {$1000.00} on XX/XX/XXXX. Citibank says they have not received the refund to my card. My bank account was closed prior to the credits appearing. The mattress company provided my the receipts for the refunds and Citibank has provided a letter they don't have the funds.

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 2019-09-08 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: MA

Complaint narrative:
I purchased a laptop on my Capital One credit card but the item received from the merchant is different from what was ordered and does not have active version of XXXX installed to it. I have tried to dispute this item with the credit card company but it is simply impossible to get hold of them. Also, their online self-service dispute tool does not work, instead providing a phone number where nobody is picking up or helping you. 

Transaction is : XX/XX/2019 XXXX* XXXX XXXX XXXX XXXX {$1800.00} Please initiate a dispute for this transaction as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - for 30/60 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 for 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 2019-09-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This company XXXX has re-aged the information contained in my credit file and has violated the FCRA. I stated a credit report dispute and they have instead verified the information that shows recent activity well after the account was closed, i.e. Last Reported XX/XX/XXXX, Shows late payments in XX/XX/XXXX and XX/XX/XXXX when the account was closed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-08 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: MS

Complaint narrative:
XX/XX/2019 XXXX XXXX ( XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : FIFTH Notice of unauthorized use of credit Card Account Number ACCOUNT ENDING IN XXXX Dear Sir or Madam : I am the victim of identity theft. My CREDIT card was used for an unauthorized transactions on numerous dates. I have enclosed copies of my statements indicating the charges, illegal charges. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. I previously notified you via telephone when these charges were initially discovered on XX/XX/2019 in reference to the merchants listed on the attached documents, I spent 6 hours on the phone with your customer service, fraud dept, and numerous other divisions that refused to help and never received any help having the charges reversed I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : See Attached ( The total amount of the fraudulent charges totals {$2100.00} with fees, interest and not including {$7000.00} in billable time for professional services and legal fees plus numerous late fees and irreparable slander to my credit. Please remit the sum of {$10000.00} TO SETTLE THIS MATTER AND RESTORE MY CREDIT BY LEGALLY REPORTING TO THE APPROPRIATE AGENCIES. 

A copy of my Identity Theft Report which includes : my FTC Identity Theft Report The FTC Notice to Furnishers of Information Please restore any funds which have been withdrawn from my account.. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that [ any funds have been restored.. 

Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I'm behind on my Capital One credit card payments and they keep calling me even though I told them I'm trying. I just made a {$200.00} payment to them last week. Today, XX/XX/XXXX, they called me at XXXX XXXX on a Sunday morning while I was at church

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
The loan amount account was closed. I called them right after I filed chapter XXXX to tell them that this car loan was not included in the chapter XXXX. I was told that Citizens Bank would hold the loan open and keep tacking the payments from my checking account every month as agreed. It has been reported to all credit agencys that Citizens Bank has closed my loan with out any notice to me or the Bankruptcy Court. Be on notice that my attorney will deal w/them by XX/XX/2019. XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
In XX/XX/2019 the balance on my Barclay 's credit card account was {$0.00} however a bank error resulted in charging a minimum interest payment of {$.00} each month. I became aware of this charge and contacted customer service on XX/XX/XXXX. After spending a long time on the phone the agent confirmed that this interest payment is due to a bank error and that steps would be taken to remove any interest fees from my account, reinstate the account, and inform the credit bureau reporting companies. As of XX/XX/XXXX, there is no evidence of Barclay 's making any of these fixes. This is damaging to my otherwise impeccable credit history and is causing me great anxiety. Please advise on what steps can be taken to have this corrected by Barclays.

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 2019-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Investigation & Recovery Assoc. LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX c.a XXXX tel XXXX XXXX. Amount is {$11000.00} they are calling my job family in XXXX the XXXX call me to take me to court .. yesterday around XXXX XXXX XX/XX/2019 I was working When I receive a call from my wife the A lady dropped paper on my door my wife ask Who are you When my wife read the paper she find out she I s process service For Texas . I  noticed the paper is not. correct the information the signature and date and amount

Company response to consumer: Untimely response
Consumer complaint received 2019-09-08 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: MO

Complaint narrative:
I purchased 10 yards raised bed mix for {$470.00} on XX/XX/2019 from XXXX XXXX XXXX. The company delivered the mix on XX/XX/XXXX. This is not in dispute. 

XXXX XXXX XXXX sent a representative, Mr. XXXX XXXX, to my home on XX/XX/XXXX to discuss a problem with the product. During the visit he stated the company would issue a credit of {$470.00} and would come and pick up the inferior product the first of next week at no charge to me. They did come and pick up the product. However, no credit was issued. When the credit was not forthcoming as promised, I again contacted Mr . XXXX about the credit. He said, I can make that happen. Mr . XXXX 's cell phone number is ( XXXX ) XXXX. 

When I did not receive the credit promised by the company representative I filed a dispute with Capital One stating a credit should be given because they picked up the product ; but, no credit was given. As far as me not providing the the purchase agreement, Capital One has it because they sent me a copy furnished by XXXX XXXX XXXX. There is not dispute about the invoice. I did not have a refund voucher to send them so they closed the case without talking to the company representative who promised the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc.
State: TX

Complaint narrative:
Hello, My income tax has been garnished last year and this year about $ 10k+. I never received an offset letter so that I could make arrangements. When I initially called NCS National Credit Services on behalf of the Dep. of Education to get more info about the loan they could not provide me any information about what the loan was for. Now that all this amount has been taken out I can not get through anyone or get account information with my SS number when calling. Recordings say there is nothing on file. Websites dont work. They have my cell phone number registered and it keeps going to a voice mail. I called from a land line and they answered right away. I cant find any forms or numbers to call to file an offset refund and more importantly I have no idea what this loan is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Please see the attached document which is 4 pages long. The company did not process my disputes correctly. They processed them as unauthorized fraud. That is not correct. I disputed because the ATM DID NOT DISPENSE any funds in these transactions.

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 2019-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I had a car loan from Honor finance was going through a tough time lost job and had a repo. I did not want a repo on my credit so i contacted Honor finance and made an arangement with them to pay back what i was behind on and that i would get the car back. I made my payments every two weeks to catch up i called to make my last payment to honor fiance to get my car back and came to find out the company no longer exists and that they claimed bankruptcy. Due to the bankruptcy my account was reffered to another company called west lake finacial i called them to make my last payment and get my car back to find out from one of there reps that my car was sold in auction and that they had no information of the deal i had worked out with my original company honor finance i am disputing the dept since my arrangements that were set with my original financing company were not followed on there end. I have emails from my original financing company of our agreement and feel as if i was being lied to and cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Residential Home Mortgage Corporation
State: NJ

Complaint narrative:
Before and on XX/XX/2019 XXXX from Residential Home Mortgage Corporation ( RHMC ) disclosed my private information as well as information pertaining to my assets and bank information with my realtor. Also my loan officer XXXX obtained all the required documentation but my loan is being delayed because according to XXXX " XXXX is no longer with the company as he was fired last Friday XX/XX/2019 ''. 
The communication with XXXX has been always delayed as he doesn't respond to my calls and text and only appears to reply when my realtor gets involved. All the documentation from the bank was given to XXXX and XXXX ( who got fired ) and now they didn't send the documentation to the underwriter in a timely manner, therefore my loan is being delayed and the closing date is within 4 days. 
The emails below proof the interaction. XXXX has also asked me absurd information to approve my mortgage loan including the documentation for my daughter being in the intensive care when she was born and I filled for bankruptcy. I have numerous unjustified requests from this company and they are delaying my approval for my loan. Please review the documents attached. I want my privacy rights to be respected. 

XXXX via XXXX XX/XX/2019, XXXX XXXX  ( 22 hours ago ) to XXXX, XXXX XXXX, Thank you for reaching out. I followed up with management yesterday at the end of the day for a status update. They are looking to further review the file, considering the asset issues we discussed yesterday. I am hoping to have a decision on the loan Monday. The main concern at this point is documenting the necessary cash to close, as we discussed. 

Best Regards, XXXX  XXXX XXXX XXXX XXXX " XX/XX/2019 XXXX XXXX " v " XXXX XXXX XXXX XX/XX/2019, XXXX XXXX ( 22 hours ago ) to XXXX, XXXX Hi XXXX , I have been calling you and texting you and no replies why now you are responding to others and now complaining about money to close????? 

Ridiculous your action. I am invoking my privacy rights immediately. 

Thanks, "

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Receive a loan and more interest is being charged, has paid hundreds of dollars and principal still barely going down at all, and deducts this amount out of my accout every pay day every other week. since XX/XX/2019, it is now XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation