vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
REMOVE FRAUD ALERT

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 2020-04-09 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: JDJ Investments, INC.
State: TX

Complaint narrative:
I have an account with XXXX XXXX XXXX. I was in a XXXX  XXXX situation and had to abruptly relocate. The account was closed in XX/XX/XXXX. It shows I owed {$700.00}. On my credit report, it is showing that I opened the account in XX/XX/XXXX with CBS Collections. I have never opened an account with this company. I have disputed this and asked that they please report that this account was opened over 5 years ago, but it shows that the account is accurate. They are reporting monthly on my credit report. I do not even acknowledge this debt with the apartments. This has severely interrupted my life as it impacts my ability to secure housing in my name. Please help me with this matter.

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 2020-04-09 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: CA

Complaint narrative:
I am writing about Captial One 's management of a disputed charge. In the end, I have learned that if you physically hand your card to someone that the merchant can charge your card any amount they would like without having to offer an explanation for the validity of the charge. 

On XX/XX/2020, my husband traveled to XXXX, XXXX and took a car from the international airport to a hotel. He tried to pay for the charge with his Capital One card and was told that the card was declined. He then paid cash for the ride ( and did not get a receipt ). I woke up that morning and saw a notification that our card was charged {$1200.00} twice, one of which was declined. I immediately called Capital One. When I called, I received a message of potential fraud on our account and was transferred to the fraud department. I spoke with a representative. My husband and I had a three way conference call and explained what had occurred. My husband told the representative that he had paid the driver {$40.00} US in cash after being told the card was declined. At that time, the charge for {$1200.00} was reversed. 

On XX/XX/2020, I received a call from Capital One saying that the charge was not fraud because my husband had physically handed the card to the driver, a fact we had never denied. Apparently we should have been referred to the dispute department and not the fraud department. 

On XX/XX/2020, I faxed a dispute form with an explanation of what had occurred. We have no documentation of having paid {$40.00} cash for the ride. However, I asked for an explanation of why my husband had been charged {$1200.00} for a ride from the airport to a hotel. I received no explanation, and the charge was rebilled on XX/XX/2020. 

I noticed the re-bill on XX/XX/2020 and called to see if I could get an explanation of the denial and if I had any other options for disputing the charge. After a couple of hours on the phone, the people on the phone said they had no additional information, and I never received a written explanation. I wrote a final letter on XX/XX/2020 asking for an explanation of the charge and have not received any response. I have included copies of my correspondence with Capital One and the final lettter I wrote on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt is old deby and is occurring on my credit reports. It is having a negative impact and i would like it removed. I do not know the dates or what the debt is for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
My XXXX XXXX XXXX daughter, while away at school, was the victim of a financial scam. We have notified local law enforcement & the university. The complaint is that USAA Fraud without contacting anyone in the familly made an adverse action and has sent her to collection. USAA in bad faith has refused to provide us with a direct number to " Fraud ' stating that there is none. They also intially offered us an " appeal process '' and then stated there is no " appeal process. '' We have spent over 30 days trying to contact them to provide them with any information they needed to reverse their collection action. USAA has acted in bad faith and has refused to address this issue with us. The only people that " would answer their phone '' was Collection. The few front line staff that does answer the phone stated that they see this all the time, USAA is aware of it, they do not care and they refuse to take any action to protect their customer, the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchase four purses on XX/XX/2020 for {$110.00} in total via Paypal, which is linked to my primary checking account. The merchant never shipped the purses and instead charged my account twelve times for {$9.00}. The total deducted from my banking account was {$110.00} which was NOT authorized ( I authorized {$110.00} ), nor did I get my purses. I went to check on the status of the order and the merchant appears to be out of business as their website isn't coming up now. Paypal denied my dispute in case XXXX and I can not get refunded the {$110.00} even though I never got my merchandise and the merchant appears to have ghosted. I've filled out a new case request of XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: FL

Complaint narrative:
I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of my credit

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 2020-04-09 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: FL

Complaint narrative:
I have check my credit. I notice Accounts that I did not Authorize, how this happen I cant understand how Can Companies Allow. What happen to Verifying and do diligence. however I did not give any consent to have these Accounts open theses Account are not Valid and I want them removed of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NV

Complaint narrative:
at the end of 2018 i statrt receiving a calls from collecting agency called pro collect in regards to lease apartment  at XXXX XXXX XXXX  XXXX  in Texas, so i thought it was a scams calls because i never lived in Texas i live in XXXX XXXX Nevada, then they sent me a mail with all the information, i went to XXXX XXXX police Department and i filled a Fraud complaint, i send i to the collection agency, the said this is not enough they still beieve it's me, and the XXXX XXXX Police department were not able to run invistigation Due to Jurisdiction matter, i report a theft identity and also send it to them a long with my ID and the lease for where i live in XXXX XXXX so to confirm that i was living in the different place for the same time, Also i filled online police report In texas but never get any reply from them, finally i filled a complaint with Texas attorney General and the refere me to report it here please this is on my credit report for the last two years and it's effecting me a lot and all the dates and details it's in the attachments

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 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
in XX/XX/2020 I was apprised of Many MAJOR Negative accounts being reported on all 3 CR bureaus, all due to Theft of my Identity. I disputed MANY times, even Completed the XXXX ID Theft protocol, submitted to Each & Every creditor & All 3 CR bureaus my official statement & Declaration from the XXXX declaring my Identity had been compromised. Only 2 Creditors accepted & Removed said derogatory reoortings. The CR bureaus VERY Hastily " Completed '' their " investigation & in their Opinion, I was WRONG & False Derogatories Remained. There are Several negative reports spanning LONGER than the legal 7 years. There are also approximately 75 Credit Inquiries which I Never Approved nor instigated which has been Equally Detrimental to my credit rating, which they REFUSE to Remove these callous & malicious acts it has Cost me Financially, both by Employment, Housing & vehicular purchase. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: SLM CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : SALLIE MAE XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2020, I was contacted by a representative from Quicken Loans regarding a XXXX XXXX  refinance of my home. My current loan is as follows ... 30 year fixed, 3.375 %, approximately 140 payments remaining of $ XXXX, payoff approximately {$350000.00} ... This representative called me stating he saw that I had recently spoke with another Quicken Loans representative, but felt he could offered me a refi that would be to my advantage ... This guy offered me the following ... New 30 year fixed, 2.75 %, payments of $ XXXX, new payoff {$830000.00} ... He said all that my out of pocket expense would be {$300.00}, for an appraisal fee ... He then had a lady call me to e-sign the preliminary loan application ... The only thing that prevented me from going through with this was asking the 2nd person questions she was unable to answer ... At that point I asked to reschedule to XX/XX/2020, but I have a copy of the contract that they wanted to trick me into ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi! 
My XXXX card is expired since XX/XX/XXXX so I'm not able to use it. XXXX deposit my unemployment last Monday XXXX XX/XX/XXXX XXXX and I'm calling since then but without success. All I need is a new card.

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 2020-04-09 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 non-monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: WA

Complaint narrative:
I bought this car in 2018 XXXX, first the dealership sold me the car charged me higher than the market rate of the car as I was the first tine buyer. Then the interest rate was given was 28 % because my credit score was low and I told them I want to use the car for XXXX/XXXX. The dealership did not give a choice on choosing the car either and took advantage of my situation, when I said that the interest rate is very high then they told me that you can refinance the car after Paying 8 to 12 installments. Which was a lie because the finance company they hooked me with refuse to refinance the car after I made 13 payments. Now due to coronavirus I am unable to work and asked for a gold on my auto loan which is not taken into consideration. I tried to refinance the car with other banks and credit unions but they refuse to finance this car as it is e most basic car has no options and the value of the car is only XXXX $ where they sold me this car for XXXX $ plus XXXX $ interest for 72 months. After paying 13 installments of XXXX $ and down payment of XXXX XXXX I still owe the finance company XXXX XXXX And on the other hand this has not even helped me with my work with XXXX/XXXX  as this cars fuel consumption is very high. While I was trying to get the car refinanced I have learned that the dealership has scammed me on the price of the car, the interest and also in rebate. I am stuck with this car and not getting any help from any bank or credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: WA

Complaint narrative:
On XX/XX/XXXX of 2019, I transferred {$1800.00} from my own personal XXXX account to my own personal Capital One Account. In that process I had accidentally switched the last two numbers of the account number and the wire was sent off, even though the last two numbers of the account number was switched I had put my own name as the recipient and in the notes I said " to myself ''. Capital One did not cross-check the names and it has now led to this mess. For the past 6 months I have called Capital One numerous times, I have gotten a range of answers including that they found the money and would send it or that they didn't know where it was. I don't feel like I have been treated properly as a customer and was continuously told that I had to wait until I called them a week later and they said they were still " working on it '' for the 6 months. That amount of money has been sitting in my credit account and they gather interest from it. The most recent note I've gotten from their call personnel was that they don't know what account it went to, but I have the account number of the mistaken recipient since it's my own with the last two digits switched.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
For 11 years I have been trying to help with my mortgage I'm currently in. It is a fluctuating mortgage started with " XXXX  XXXX XXXX  '' which never worked with us then sold to " Bank of America '' who now is our mortgage lender. 
They will not issue us a fixed affordable mortgage rate. The loan was originally {$190000.00}. + a {$50000.00} balloon mortgage. ( which at the time I was lucky enough to pay off the balloon mortgage ) Currently because we tried fixing this with them, they increased the loan to approx. {$210000.00}. That's the help they gave us to put me more in debt. I'm currently at almost 7 % on my rate. The home is now valued at around {$110000.00} and is decreasing more and more in value over the years. Now I'm cut back at work about 12 - 20 hours a week because of this pandemic ( covid - 19 ). 
Every time I have attempted to contact the Bank it is jumping through hoops to get in contact with someone to help. They repeatedly mention they're a debt collector .... Then once you do get a rep on the phone they purposely make it a way to be intimidating over the phone making it impossible for me to talk to them as well. 
Today I tried speaking with the again about the potential help I can receive in regards to the mortgage and they want you to do it all online. So I set up the ID and now there's a 5 day wait for a password to log in and even try to put through my application. This is a stall tactic on their behalf and I do not have time nor can afford this. I'm going to get behind on payments and this is devastating. 
I appreciate any help or guidance you can help me at this time!

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 2020-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
A debt from 2009, company periodically calls and attempts to start collections. Have notified them numeous times it was included in bankruptcy.

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 2020-04-09 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t received any investigation results.

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 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: FL

Complaint narrative:
No written information on debt. It just appeared on credit report. No validation or verification given

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX, XXXX, and Equifax concerning a Mortgage account on my profile. I sent in a photo copy of my drivers license, ss card and recent utility bill. The account isn't removed and they haven't responded on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i ALREADY PAID XXXX  XXXX XXXX  IN FULL PRIOR TO THIS BEING TRANSFERRED TO COLLECTIONS

Company response to consumer: Closed with explanation