vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: SC

Complaint narrative:
I received a letter in the mail from Source Receivables Management dated XX/XX/2021. This is the first letter that I received from this company. It is regarding a bill on the letter it stated that I had 30 days after receiving this notice to dispute the validity of this debt, or any portion of the debt. I sent my response letter dated XX/XX/2021, certified and per the tracking, results were delivered on XX/XX/2021. As you can see this is well within the 30-day notification window. By law, if a consumer requests validation of debt the creditor should not report this to any credit reporting agency until I have had my legal timeframe to validate the debt. I have yet to receive a response from Source Receivables Management, but just yesterday it started reporting on my credit report to every agency. This collection account needs to be deleted from my credit report as I was not given my legal right to validate this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: AES/PHEAA
State: LA

Complaint narrative:
My educational loans are showing closed or transfered when they're not on the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX XXXX debit card had unauthorized charges on it that I didn't realize until I went to use it for a hotel on a out of town trip and had a issue using the card. I went to check my transactions and saw multiple {$5.00} charges going back to XXXX XXXX to XXXX XXXX for XXXX XXXX and a few from XXXX which were around XXXX dollars. I reported it right away on XXXX XXXX and XXXX XXXX  closed that account and issued me a new card. After there investigation they say shows no fraud and I will not be credited {$360.00} is what the total amount was. I told Adp that I am not a XXXX XXXX  subscriber or XXXX and I do not use those services. They recovered some funds back from XXXX but are saying the XXXX charges is not Fraud! I would like to know who did this investigation and how to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My interest rate was hiked 25 % from 12.24 % to 16.24 % WITHOUT LEGAL NOTICE. My FICO score is in the XXXX. Have been a cardholder for 30 years. A 45 day notice of interest rate increase is required by law. American Express willfully and knowingly violated that law. American Express must be forced to comply with financial regulations to protect consumers and small businesses. American Expresss management is arrogant and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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
State: VA

Complaint narrative:
my PayPal is a business account, on XX/XX/XXXX I got a transaction of {$2500.00} and PayPal blocked my account all of a sudden putting it on 180 days limitation, please I need the account to be rectify because its my business account and I am fully aware of the transaction on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Booked a snorkling tour on XXXX XXXX, Hawaii, on XX/XX/2021 for the tour on XX/XX/2021 at XXXX XXXX  for {$300.00} ( including rewards points ) through Chase Banks ultimate rewards site using my Chase credit card. Trip was confirmed by leaving a message for the vendor XXXX XXXX XXXX. The vendor never showed up for the tour and I called up Chase Bank about it by XXXX XXXX, and on several occasions after that to get my refund. Chase Bank refuses to issue refund until they get money back from the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FlexShopper, Inc
State: GA

Complaint narrative:
I am writing this complaint in regards of fraud activity going on in my checking account. I went to XXXX XXXX XXXX XXXX on XX/XX/XXXX, at XXXX XXXX XXXX XXXX, GA XXXX. My car needed A LOT of repairs done to it, and the total costing of it was around $ XXXX. The man who fixed my car signed me up to a program called Flexshopper ( also known as FlexTires ). I did not have much of a say whether I want to join this program or not, and the entire transaction and information explained to me was inadequate. The man forge my income when I did not have a job at the time, and suggested that doing weekly payments was acceptable. Once we got to the end of the entire process, to sign my name was typed and not actually in signature form. Fast forward, weeks passed and I see the payments being taken out every Monday. Recently, XX/XX/XXXX they took out the payment and right behind that payment they took money out AGAIN on XX/XX/XXXX. Not sticking with the agreement they went in AGAIN, and took out another payment on XX/XX/XXXX. I went online on a computer browser to check my lease, and it claims that I do not have a lease agreement. When I use the Flextires app it states I have an agreement ; looking closely at the agreement there is errors, my name is not signed, the signature of the company does not look real, and my payment is only suppose to be {$46.00} and some change ( payments do not state they are authorized ). Tried to called the company three times no one answered, sent them two emails no one answered. Went to my bank ( XXXX ) to report a fraud and paid a {$31.00} fee. The fraud department did not do their job and now another payment has been taken out on XX/XX/XXXX. I am XXXX XXXX XXXX, stressed, working extremely hard to pay bills, to go back to college, and so forth. Having someone forge my information, taking out random deductions out of my checking account is infuriating. I have proof of everything I have said in this complaint and I need serious consequences to be handed to this company and XXXX XXXX XXXX XXXX. Also, my car is still messed up, my windshield fluid was completely empty, windshield wipers smudges, alignment not great, breaks are squeaking and creaking A LOT, I could go on. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My Certificate of Deposit which was opened in XXXX was closed on XXXX without my consent and it was transferred to my wife 's account which was not even listed as an external account on the certificate of deposit. I never provided any authorization to close this account. This account was having 2.85 % APY. 

When I contacted the customer care, they said this was done by mistake and asked me to wait for a few days as they would fix it. 

Few days later when this was not completed, the customer care team on XXXX XXXX asked me to open a new CD for 3 years ( 0.3 % APY ) and transfer the funds into the new account. They told me that the new CD account APY would be updated within 5 days. The reason they asked me to open a new CD because they were not able to pull the fund from the external account. 

Between XXXX XXXX and XXXX XXXX, I called customer care multiple times and every time they said it's pending with the system and would be done by XX/XX/XXXX. 

Today on XX/XX/XXXX, when I called again, they said APY can not be updated to 2.85 % and even though it's their mistake, they would not fix it. This is a clear case of fraud as the CD was liquidated without my consent and feeling really helpless here. 

The customer service team manager said, whoever I have spoken to between XXXX and XX/XX/XXXX, they all misled me. 

There are two things to note here.

1. The CD was closed without my authorization 2. The money was transferred to an external account which was not even listed in my account. 

How can Capital one liquidate an account without customer authorization and transfer the fund to an external account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-17 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: FL

Complaint narrative:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected 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
Consumer complaint received 2021-07-17 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: FL

Complaint narrative:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: CURO Intermediate Holdings
State: MO

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
I've disputed this account directly with XXXX several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.

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 2021-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have a checking account with Chase Bank. While visiting with the bank to service my checking account involving another matter, I was informed by the banker who was attending to me that I had been pre-approved for a Chase credit card with a credit limit of {$2000.00}. As I have never possessed a credit card, and do not currently have much of a credit history, I found the offer fortuitous, providing me with an opportunity to build a credit history and improve my credit score. As everyone knows, in today 's economy, a solid credit score is very important to acquire such things as housing, employment, etc. That being said, I applied for, and was approved for the credit card in question. Subsequently, I received the card in the mail and used the card as intended for various purchases. Having reached my credit limit, I therefore repaid the account in full. Following this payment, I received notification from Chase Bank that the account had been closed. I immediately contacted the bank for an for an explanation. I was informed by banker that the funds I used to settle the account were returned due to insufficient funds. I have contacted the issuing bank in question and they have assured me that the account contained sufficient funds. It would appear that Chase Bank returned the funds for unknown reasons and falsely claimed that the issuing account lacked the necessary funds for payment. I was further told that I would be receiving a letter in the mail from the bank providing further explanation. I have received this letter from the bank, dated XX/XX/XXXX, XXXX.The letter states that the account was closed for XXXX reasons : 1 ) not enough credit information on file 2 ) the accounts on your credit report have not been open long enough. These conditions existed prior to the issuance of the card. It is my contention that Chase Bank was aware, or should have been aware of these conditions prior to the pre-approval and the subsequent issuing of the credit line. It is my further contention that Chase Bank 's behavior in this matter has been arbitrary, capricious and duplicious. I am requesting that the CFPB investigate this matter on my behalf and that Chase Bank properly restore my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: PA

Complaint narrative:
I've disputed this account directly with Equifax several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
As of XX/XX/2021. This company has reported me to various credit bureaus for a collection that I have no knowledge of. In the amount of {$1000.00}. I have sent this company several letters disputing that this debt does not belong to me. As well as requesting that they provide me prove of my opening such an account.Including my signature.They have not yet provided me with this information. Which has been past 30days. I would appreciate your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: FL

Complaint narrative:
I was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated. No consent is identity theft Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I do not give XXXX  any written consent or was advised about having the right to not have my reports furnished how is this possible when this is not legal this is Identity theft, I demand the deletion of these transactions listed below immediately they are a violation of my rights as a federally protected consumer under USC 15 title chapter 41 Under penalty of perjury, I agree everything is true. I have sent over this letter to equifax, and I know that I am a protected consumer and i demand these items be deleted. 
XXXX XXXX  account number XXXX XXXX XXXX  Auto Loan / Account number XXXX XXXX XXXX  / Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
I recently, discharged from bankruptcy after 5 five years, I made all my payments on time. My compliant is with Specialized Loan Servicing, their information is not aligning with my statements I received from my bankruptcy attorney. Below is what my attorney sent me in an email and I also have hard copies to back it up ... XXXX Have reviewed the statements, and I am attaching the mortgage claims paid in full by the Trustee. It appears from the ongoing mortgage claim, your mortgage balance at filing was {$64000.00}. Through the plan, you have paid the mortgage company a total on the balance of {$45000.00}. On the arrears claim, you have paid through the plan {$11000.00}. That is a total paid of {$56000.00} thereby leaving an approximate balance on your mortgage of {$7800.00} ) Specialized Loan Servicing statement that I just received for the month of XX/XX/2021 is showing {$49000.00} like I haven't paid anything at all.

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 2021-07-17 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: Convergent Resources, Inc.
State: MO

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 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: MI

Complaint narrative:
I submitted an FTC report and I haven't got a response back from the major bureau. I am a victim of Equifax data breech this is fraud on my account. I never agreed to having these credit cards on my account, I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation
State: LA

Complaint narrative:
I went to get a tooth pulled from XXXX XXXX of Louisiana. I received services and paid in full. Starting immediately after this visit an aggressive " follow up '' campaign began of weekly calls and texts stating I needed to make additional appointments for cleanings and such. I did make 2 additional appointments. Both times I PAID IN FULL!! The " follow up '' campaign continued for some time after that. Skip ahead to XX/XX/2021 I noticed a collection on my reports. I tried calling them to explain they had made a mistake that I had paid in full for ALL of my visits, they did not return my calls. I went into the office and this is when I discovered I wasn't in collection for failing to pay for services rendered, I was in collections because of a " missed appointment fee '' of {$75.00}. Long story short I reluctantly agreed to pay this bill because they said they would remove it. I paid it on the spot. XX/XX/2021. I waited a month and still no removal. I called the dental office and they stated again they would get it removed. I then disputed through equifax that I had paid this bill and its still reported as unpaid. The collection company " Tele Recovery of Louisiana '' told equifax that it was still unpaid! Even after a month of it already being paid! Is it even legal to put someone in collections over a debt they didn't know about? XXXX claimed to send invoices to an address I no longer lived at. Neither of these two entities bothered to call me and let me know I even owed this debt, before putting me into collections, even after all the harassing calls to make appointments. I am XXXX years old and have worked all my life to finally get to a place where I had a spotless credit report and this all seems malicious in its intent. Can you even be put into collections over a " missed appointment fee ''?

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 2021-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I asked Capital One to assist me with late payments I had over the years with them that have destroyed my credit history completely. When the payments were late, I notified Capital One that I was struggling and the payments were not supppsed to be reported as late. I had to move across the country to care for an ill parent with XXXX and could not find employment. 

I contacted Capital One this year XXXX XXXX ) and they gave me access to a portal to submit a good will letter with details all to turn around and say I dont have accounts with them. This is a total waste of my time. Capital One is a predatory lender, completely unwilling to help those who need help the most. 

Now, when I am trying to start a family of my own, its nearly impossible. I wish Capital One would remove these payments! I havent missed any payments with them since XXXX!

Company response to consumer: Closed with explanation