vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I attempted to make a purchase of {$2500.00} on XXXX XX/XX/2020 with my credit card. The company declined the charge, twice. I called the company and had to sit on hold for 20 minutes before getting to talk to a lady with an accent so thick she was nearly impossible to understand, forcing my having to ask her to repeat what she'd said over and over. When I asked why they'd declined the charge, she kept repeating that the attempted charge had " triggered their fraud protection program '' and refused to provide any other information. She would not say why the charge was declined nor whether the same thing would happen again another time. She also repeatedly said that the charge was now approved, even after I told her several times that I'd successfully made the purchase with another credit card company 's card, which accepted the charge on the first try, so it didn't matter whether Capital One approved it now. 

The company provides no means to contact them by email. The only options for contact are calling and sitting on hold for an extended period, only to talk to someone incomprehensible who can't understand you, either, or by US Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I received an email on XX/XX/2020 stating that I owed a debt to a payday loan company and that I can settle it by paying in 2 installments. They also stated that they will garnish my paycheck from my employer for the amount of {$1300.00}. When I started to reply stating that I could not pay, they started to threaten me with taking the issue to court and being arrested and put in jail for a year. I started to question them with details of the company, their company name and requested the documentation of the loan, they kept threatening me with arrest. They also have been emailing me to give them information as to when I would pay them. I emailed the loan company that they say I have a unpaid loan with and they stated that if the emails are threatening arrest that they did not come from them. I have the emails and I can forward them if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: TX

Complaint narrative:
Good Day, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Back on XX/XX/XXXX I mistakenly made a payment to Citibank credit card for {$1200.00}. Then I received a letter from my mortgage company XXXX XXXX XXXX XXXX  XXXX letting me know I was late. I looked into the situation because I am always on time and realized the error I made and immediately called Citibank on XX/XX/XXXX. I explained the situation and asked how I could get those funds returned to me due to it being for a mortgage payment. I was told that the only way was to have a credit refund check sent to me..I advised the agent of my address and was told I would have a check within 7-10 business days. Then I waited until XX/XX/XXXX ( 14 business days ) and checked with Citibank again because no check. This is what I was told : " I see that the refund check had been mailed out n XX/XX/XXXX, as you had not received it by XX/XX/XXXX we had cancelled that one and a new one was mailed out, it should be with you in this coming week. Could you confirm your mailing address for me please? I gave them my address and was told it went to a different address!!!!! I just got through talking to another agent and am being told that I should have a check within 3-5 business days!!!! The agent also suggested that he cancels the check request and once it is back in the Citibank Acct they can then send it to my checking account???? Really?? I asked for other ways to get these funds quickly so I can pay my mortgage and that was not an option back on XX/XX/XXXX but is now?? I even went to a bank to get a cash advance and was declined and found out that I can only get {$300.00} cash advance!!! In the meantime, I sit and wait for MY money that they want to play with and make more interest on and it is just not right ... XXXX.I made the mistake and paid the wrong creditor and that is my bad however, they know the situation and I asked for the check to be overnighted and that was not an option!!!! Any assistance would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, XXXX, and TU via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3600.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX, XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX XXXX : {$5500.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2020-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CT

Complaint narrative:
There is an account listed on my credit report with FIDELITY CREDITOR SERV. The account number is XXXX and the balance is {$2500.00}. I do not have a debt owed for this amount to anyone and I explained this to the company. I called them on XX/XX/2020 for help and was hung up on. I am requesting the original contract for this account. I need to see why this account has this balance and make sure this was agreed to with my signature. I am worried there is an error somewhere or even worse that someone has abused my personal information. Fidelity has not sent me anything I requested and I need them to comply with the laws to protect consumers. They are ignoring my requests. As this account has an in dispute indicator, I need the copy of what was already disputed and how they came to this meets requirement of " fair credit reporting act '' result they have on my credit. This is urgent and I am forwarding all correspondence to an FDCPA attorney of my choosing. I have already consulted with one attorney and will bring suit for all damages regarding this account. I am looking to get a mortgage and this account will cause me to lose the best rate possible. I will seek compensation for all lost monies if this is not removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I had a mortgage with Ditech ( account # XXXX ) until I sold the home in XX/XX/XXXX, at which point the loan was paid off on XX/XX/XXXX. On XX/XX/XXXX, my insurance company, XXXX, sent Ditech a {$1900.00} check for the overage amount of my homeowner 's insurance which was to be credited to me by Ditech ( XXXX has sent proof of the check that was sent to Ditech, which I have included as an attachment ). XXXX also has proof that the check was cashed on XX/XX/XXXX. 

Ditech has filed for bankruptcy and is no longer in service, and has no working phone number. I have tried since XXXX to get in contact with someone at Ditech. I previously filed a complaint with the CFPB and someone from Ditech responded that " it is likely that the check was forwarded to and cashed by [ Shellpoint Mortgage Servicing ] ''. This is 100 % not true ; I have contacted Shellpoint as well as their partner company NewRez, and they both have proof that Ditech never transferred my case over ( which makes sense, as I did not have a case/account/active loan with Ditech for them to transfer it over as part of their bankruptcy ). 

Someone at Ditech stole my homeowner 's insurance credit check of nearly {$2000.00}, and it has 7 months and still no one has attempted to send me my money. Even more infuriatingly, there is no way of getting in contact with anyone at the now defunct company, and they lied in their last CFPB complaint response.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have a lease with XXXX XXXX XXXX ( Chase bank ) which is coming to an end in XXXX. I decided to purchase my car out of the lease, on XX/XX/XXXX Chase received the payoff ( {$24000.00} ) from my bank for which they sent me the buyout package offer for. The payment posted on the Chase account on XX/XX/XXXX. This is when all the problems began, I called them the following week around the XXXX and XXXX and they didnt realize the payoff was deposited in my account (??? ). I was told during that phone call that the Payoff was going to be transferred over and my account was going to be closed the following day or within a few days along with my title transfer/ bill of sale sent to me. That never happened. From there I continued to call every week to check what was going on, for which there response was that its noted on my account that they received the payoff and Im going to have to wait. The first date they gave me was around XX/XX/XXXX then XX/XX/XXXX, now they are saying XX/XX/XXXX. While all this is going on they are still asking for monthly lease payments that I do not owe them. They have tacked on late fees and have acknowledged that I do not owe them anything yet are still asking for payments. On their end Im over 15 days late for lease payments. I expressed to them that Im worried my account will be sent to collections and my credit will be affected. They responded by telling me that may happen but they will just back date the account. Clearly its not that easy once my credit is hit by this. This is completely unprofessional and illegal, I have done everything and paid everything that was owed but they have not held up their end of the contract. This can not continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  from one business account to another was made a wire transfer of {$1500.00} what, based on the charged fees by Bank of America, should be deposited on the next business day. On the XXXX of XXXX, either XXXX or XXXX money still was not in the account. We called the customer service to figure out the problem, they were not able to find that transaction at all. We requested to fill out the claim about, but they were refused, referring to the fact that they could not find this transaction and since there is no transaction, so there is no case ... Just to be patient and wait. For how long, it's a big big question. 
Since the bank charges fees for, it should be full responsible for any oversights. 
As a customer we would like to be respected, as this is not the first time happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Last month, I got a letter from Capital One dated XX/XX/XXXX. The letter is 2 sentences long and it says my account was closed and " if you have any questions, please get in touch ''. There's no phone number or email address to reach anyone. I'd never received any other communication saying the account was going to be closed. 

On yesterday, I got my regular statement for XX/XX/XXXX with, as expected, a XXXX balance. This time there was a phone number on the statement. Today, Thursday XX/XX/XXXX, I called the bank to get the money that had been in the now closed account ( XXXX ). I was told that the money had been sent to the state ( XXXX  ) and I would have to contact them to get it. The bank gave me a website, which led me to the XXXX XXXX XXXX XXXX XXXX XXXX. There was no record of money from the Capital One Bank owed to me listed by the program. I called the bank back ( this was about my 7th call to the bank at this point ) and this time I was told that I would probably just need to wait for the money to show up to file a claim with the XXXX  government. 

Summary- 1. The bank never contacted me to let me know that they were going to close my account. 
2. Immediately upon closing the account, the bank immediately sent the money to the state even though one of the customer service agents that I spoke with today said normally the bank waits a " while '' to send the money to the state after they notify the customer that their account has been closed. None of the customer service reps who I spoke with today would quantify what a " while '' usually means. 
3. They have no idea when the money will be received by XXXX  government so that I can file a claim. 

Bottom line - Capital One was responsible for taking care of my XXXX and they didn't. They told me that my only recourse is to chase it down from XXXX  government. As an aside, getting money from XXXX  government takes years as my history with them has shown ... irresponsible and frustrating ...

Company response to consumer: Closed with explanation