vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/21 Citibank closed out my account I was a customer for 3 or 3 1/2 years now until this day XXXX they still have not told me why or what happened ( I have a idea but they did not do a investigation or anything they just close my account ) basically they sent me a letter saying they would mail me a check for the funds remaining in my account which was between {$2800.00} - {$3000.00} in that range/area I ent to the branch in XXXX They have been acting funny about my funds Ive called and visited the branch XXXX XXXX XX/XX/XXXX and XX/XX/XXXX they said they can not issue me any funds I have to wait for a check In the mail. I received a letter XXXX saying if I needs my funds sooner I can go into the branch.I called the fraud or what ever department listed on said letter they said I was always able to go into the branch and get my funds. On XXXX I got back into the XXXX  branch again and when I did they told me on XXXX they already mailed out a check. I spoke to Citibank representatives I called 5 times XXXX XXXX XXXX XXXX and today XXXX and I spoke to supervisors 3 time every time I speak to them I ask when am I getting my check and exactly how much will it be? They keep saying its a confidential matter and they cant discuss it any further with me and hung up and this has been 5 times and I felt that its XXXX for a supervisor or representative to hang up on a customer. Im XXXX  at this point. And that was my loan and credit card company money I need my money ASAP my credit score has dropped and I now have have missed payments smh

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 2021-04-05 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy federal refuse to resolve the issue Thus is my last attempt I was XXXX around by this cheap bank for the past 7 months I will give s law suites against navy federal for abuse stress waist of my time hours and hours on the phone they did and caused me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Alleged debt was disputed several times .After 2 - 3 month Portfolio is listing this unverified debt back to 2 Credit Bureaus and refusing to verify the debt or provide me with correspondence related to their reporting activities. 
1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 5 ) Threaten to take any action that can not legally be taken or that is not intended to be taken 1692 e ( 8 ) Threatens or communicates false credit information, including the failure to communicate that a debt is disputed 1692 f Any unfair or unconscionable means to collect or attempt to collect the alleged debt 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( B ) Collector must cease collection efforts until debt is validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: IN

Complaint narrative:
I have 2 accounts with Synchrony Bank. One is a XXXX mastercard, the other is pay pal credit.. both accounts were payed off.. checks written on XXXX and cashed and returned by Synchrony bank on XXXX. They advised they have not recieved any payments. I have called them numerous times.. I have asked to speak to a supervisor. I was on hold 2 times.. once for 40 min the other for 30 min without speaking to anyone. They continue to call me 3 times or more a day for payment and I keep explaining time and time again and nothing gets done. I have filed a dispute with them on-line and via US mail to no avail. Please help. I have copies of the returned checks indicating they were processed. The mastercard account ends in XXXX and the paypal credit ends in 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 monetary relief
Consumer complaint received 2021-04-05 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$2800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/21 I sent a debt validation letter to XXXX for a debt that I don't recognize and they sent me a bunch of paper and bills. According to the fair credit reporting act they must send a sign contract with my name on it not statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.

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 2021-04-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not receive any response from any bureaus. I sent a dispute letter on XX/XX/2021. Thats over 30 days no response.They have 30 days to respond. They credit bureaus operating any way they want to. This isn't fair at all. I want these items deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage Corporation took over our home loan in XXXX. Zero issues what so ever payments where made on time. For the first four months my father would call in his payments and they would take them and process them with no issues and my father has even added additional funds for the principal every month. Let 's fast forward to the first incident in XX/XX/XXXX my father called in his payment as he always did got his confirmation number and went about his day. Right away at the end of XXXX I had people coming to the home taking pictures asking if anyone was living in the home. Puzzled and confused we call XXXX and they said no payment had been made for the month so they just wanted to verify someone was living in the home. On the phone I mentioned the confirmation number they took it but said nothing existed. After making the payment I asked if my credit would be damaged because of this and they said they did not know. Right away that was a red flag! After countless phone calls, letters and emails at the end of XXXX my credit report was updated with a deduction in points from XXXX to the low 600 's. After trying to explain the situation they were no help what so ever! all I got was a you should have made that payment on time. Now let 's forward to XXXX! My father had some extra cash so he decided he would make his payment early. I made this payment on XX/XX/XXXX for the amount of {$1800.00} and an additional payment to the principal for {$300.00} a total of {$2100.00} for the next month of XXXX. I kept an eye on the bank account but noticed something strange XXXX only took the principal payment of {$300.00} I called to confirm that and they said that was correct! I asked why?? if I made a payment for {$2100.00}. I remembered what we had already gone thru this so I mentioned this to the operator and she said she saw this exact problem earlier in the week with a different customer. I mentioned what happened to us in XXXX and I told her that it feels as if Freedom Mortgage would love the home back since they really want us to miss payments and mess with our credit. I would happily sell the house back to them!!!!!!! but if the payment system has errors why not change that??? why don't you fix this! I tried to buy my own home but was unable to because of the damage to my credit thats just now getting better. I would appreciate it if XXXX took responsibility for the XXXX up from XXXX and for the one for XXXX or is this plane old sabotage?

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 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I received notice from my mortgage loan officer, since I am doing a refi, that my credit report, from XXXX XXXX, my FICO score had dropped significantly by 60 points! 

He stated to me, as result of a {$300.00} Collections on my credit score that I knew nothing about, I know I had return all my XXXX XXXX  XXXX, equipment by XXXX on XX/XX/21. 

I have the receipt from the local XXXX store. It was late, do to me getting sick last year, I called XXXX XXXX XXXX, on XX/XX/21, about my return immediately! of all my equipment and to remove the collection on me. The representative stated, once the next cycle hits, it would be removed. It never did. 

I called XXXX XXXX XXXX a second time on XX/XX/21, to check if they notify Sequium Asset Collection they said they are still waiting for another cycle! I am frustrated now, so On XX/XX/21, I contacted Sequium Assets, the Collection agency, They would not remove or do anything. I returned all equipment and proof, but this did not matter. The representative stated, I had to pay to remove the collection, which he offered me 50 % discount, to settle the collection. 

I mistakenly, by pressure by the stress of this major drop in my FICO score, I paid it! 
This is wrong! 

I want justice! 

This is an unfair credit practices, by both XXXX XXXX XXXX and Sequium Assets, since I returned all equipment and had no ending balance owed by me for anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Account # XXXX for {$49000.00} and USAA Account # XXXX XXXX XXXX XXXX for {$32000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XX/XX/XXXX, SSN=XXXX-XXXX-XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX The collection Agency XXXX XXXX XXXX on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. They have also violated the following laws. 

- 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CA

Complaint narrative:
Many time send letter and online dispute few errors from my credit history in Experian and explain everything to them but still all errors in my credit history Errors is : XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX, XXXX XXXX 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 2021-04-05 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: LA

Complaint narrative:
On XXXX, XXXX, 2020 XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX XXXX XXXX Made an unauthorized fraudulent inquiry on my credit report. 

On XX/XX/2020 XXXX  XXXX XXXX  made an unauthorized fraudulent inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
paypal close my account for no reason and not get help me for gettingit back up ans going.. iam not sure if this some mistakes as i assumed it has to be i have not been able to get help from them for months but i just remembered i could f ile a report from here as i feel they are they are not doing thei job properly and it is effecting me a great deal as i use PAYPAL quite frequently my EMAIL linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a message through XXXX from someone I believed to be a friend. We had a conversation a week or so earlier about things being tough at home. So it was no surprise to me that I received a request from who I believed to be this person for financial assistance. 
This person stated that they were in dire need of money and promised to pay me back as soon as possible. I downloaded XXXX and sent {$300.00} to a XXXX XXXX XXXX who I assumed was a family member. After the transaction, this person had requested another {$700.00} and that is when I knew I had been scammed. I was able to finally reach the actual person by phone and she had told me that she was aware that she had been hacked and apologized for not reaching out to me about it. I then reached out to capital one and placed a claim. Capital One stated that because the money was sent legally the bank would not be able to recoup the money and therefore could not reimburse me for the loss. I challenged it again and was given the same response. This was fraud by an imposter and I should have received assistance from my bank. I contacted XXXX as well about this fraudulent account. They too could not recoup the money for me. This was a financial crime that was done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: OH

Complaint narrative:
I filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # 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 2021-04-05 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: OH

Complaint narrative:
I filed for Chapter XXXX bankruptcy last year 2020 ( XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
Around XXXX, I had applied for checking account online with BBVA bank. On XXXX, I received email application being reviewed, and more documents need.On XXXX I received emails stating the same as XXXX. XXXX, reviewed email stating application being reviewed. On XX/XX/XXXX, reviewed email from BBVA stating application was approved. On XX/XX/2021 {$500.00} was taken off for initial deposit for the account. 
On XX/XX/XXXX, I called BBVA bank customer service, because I forgot my username for online banking, and when I try to retrieve the username for online banking. It tells me I must be enrolled first. When I do try to enroll or activate the online banking service, tells me I already have account set-up. 
However when I called I was referred constantly to different department, and then reffer to a security officer in alabama who not take calls. 
Call them back on XX/XX/XXXX, after I told them what happened, they stated because of there system, they can not retrieve my username, or send link for me to get my username, and not eligible for the computer to send the link or security code to my phone, even though my phone is in my name and I pay the bill every month.

Company response to consumer: Closed with explanation