vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
For over a month now, Capital One has been treating me as if I were a criminal trying to steal my own identity. It began on XX/XX/2020, when XXXX locked me out of my XXXX account ( just days after a hacker tried to access it ). As an American working in XXXX, I relied on emailed statements from Capital One to stay updated on my secured credit card account. So on XX/XX/2020, I called and asked them to change my email address. Before doing so, I paid for a recent charge of {$24.00} that I had made on XX/XX/2020 for online membership with XXXX XXXX XXXX. 

Not having an American cellphone number, I was asked to post my drivers license to a secure link, which I did. On XX/XX/XXXX, I called again, and was told to post a copy of my social security card. I told them that I did not have it with me, having been unable to find it before leaving the US. Having just gone to XXXX XXXX ( because of the coronavirus ) I did not know where a new card could be mailed, or even if it was possible to apply for one while overseas. I offered to show Capital One another proof of my social security number. They refused. 

In America, my mother searched for the card and could not find it either. So on XX/XX/XXXX I asked Capital One to send paper statements to my home address in XXXX. They again demanded to see my social security card. Soon after this, I discovered that they had disputed the XX/XX/XXXX charge as fraud and reversed the payment to XXXX XXXX XXXX. 

Thinking if I could just get a replacement social security card, all would be well, I tried and failed to set up an online social security account. I then tried calling the Social Security Administration long distance, and got put on hold for so long my phone disconnected. I  finally concluded that the only way to apply for a replacement card was to mail my original drivers license and an authenticated copy of my birth certificate, which I did not feel comfortable doing. 

Then on XX/XX/2020 I finally recovered my XXXX account. I thought that since the problem had begun with a simple request to change my email address, getting back my original email account would end the ordeal. But Capital One not only refused to take the fraud alert off my account, they even refused to refund the money I had paid them on XX/XX/XXXX for the charge they had later disputed as fraud. This is unacceptable. 

I believe it puts an unnecessary burden on me to have to mail valuable, original documents internationally in order to obtain an extremely sensitive document that could get stolen by identity thieves. I also think it is wrong for Capital One to keep my money after denying me the services for which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Because I submitted a complaint and keep requesting for Capital One & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Im in the process of trying to buy a house and when my morgage guy went running my report to get me a preapproval he came across an acount which has been placed in collections with the original creditor claiming to be XXXX XXXX and the collection company being Convergent Outsourcing Inc stating I have an account opened on XX/XX/2019 with a balance due of {$1100.00} I tried to call this company at XXXX XXXX XXXX XXXX and they cant twll me anything without an account number which I dont have. I have a slight problem with this issue since I dont owe any money to XXXX and never have I actually had to fight an issue like this a few years ago between XXXX and the XXXX to which it was deleted by XXXX but now I see they must have done something with my info for they are at the middle of this issue being the one who was the original creditor not juat this time but thw last time also so unless you can give me verifiable proof to thia debt pleaae make thwm delete this it has not damaged my report twice and this time could have ruined my chance at buying a home

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 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX/XXXX  added a negative account for what appears to be a credit card in XX/XX/2019. I've sent online disputes asking the credit bureaus to to their job and investigate because I have never had a XXXX Credit card.I 've sent dispute letters to the three Credit Bureaus certified with the following tracking numbers : XXXX XXXX XXXX It still remains on my credit. I contacted XXXX to get more information and tell them I believe its fraud and asked them to send me a copy of the original paperwork where I applied for the card. I gave them 30 days and they wrote me back stating they could not assist me at the time, and their apologies for the inconvenience. I then sent a dispute letter directly to them on XX/XX/2019 with the tracking number : XXXX ( which was delivered on XX/XX/2019 ) asking them once again to verify. I understand that they have 30 days to respond or delete. It is now 72 days and I have not received anything from XXXX at this point it needs to be deleted from my credit file. Every month they are updating more days late. Which is harming my score. They are breaking the law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: FL

Complaint narrative:
I settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.

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 2020-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I settled and account with XXXX XXXX and noticed the bureaus were still reporting the account with a lower balance but not a XXXX balance. This was settled and should have been deleted and had the bureaus actually investigated as requested this would have already be resolved.

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 2020-03-13 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: AL

Complaint narrative:
XXXX is reporting on my credit report but I dont have an account with them checked into it and the address that they have is not mine.

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 2020-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has violated my rights, by not removing incomplete and inaccurate information on my credit report. I have sent 2 certified letters and proven to them that with in there system of validating the company information was not validated correctly. I started a dispute on XX/XX/XXXX completion date was for XXXX I call on XX/XX/XXXX, they informed me that an investigation was complete and all was validated. On my experian website it states that an update was completed on XX/XX/XXXX under the reinvestigation tab a statement was placed that reads " reinvestigation results '' this item is a result from your dispute on XX/XX/XXXX Experian claim that there has been 2 updates to my report regarding XXXX XXXX  but XXXX dose not report to Experian. The last update was in XX/XX/XXXX what made this so upsetting is I call experian, I called 7 time to resolve this. Representative huge up on me 3 times, and the few times I was able to escalate it to a supervisor I waa told to hang on and a supervisor would assist me, twice I was told they would call me back it never happen. The time I was able to speak with someone I spoke with a dispute supervisor by the name of XXXX no last name given she laugh at me, refuse to assist me, refused to transfer me to another supervisor, and hand up on me. The abuse of power they have over me is frieghting. My concerns where ignored. The information posted is inaccurate and even if they said it was completed with in the 30 day the report says something else I an enclosing report number XXXX it clearly shows status update XX/XX/XXXX on a Dispute I stated on XXXX with a completion on XXXX with an update in XXXX the 30 days expired an they claim its correct

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 2020-03-13 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: MARINER FINANCE, LLC
State: AL

Complaint narrative:
Fraudulent account and have not been removed

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 2020-03-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Fraudulent account and have not been removed

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 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I CONTACTED THIS COMPANY ARS IN AN ATTEMPT TO CLEAR UP THIS MATTER BUT WAS UNSUCCESSFUL. THE REP WAS RUDE AND DISRESPECTFUL

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 2020-03-13 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Commenity Bank I was always pd ahead but had a setback spoke with commenity worked out a payment arrangement. They were to take funds from my checking account if I agreed then balance would remain stopped no late fees account would remain open and show in good standing. They would review account show in good standing as long as I stayed on plan. I have remained and held up my deal but they closed my account, increased my balance, charged fees and interest and the status is showing account closed by them and derogatory status. They continue to withdraw the agreed amount from the checking account. They also sent me deals to purchase which I have not done I have continued to pay as agreed but they have never followed their agreement. They need to either go back to last XXXX when this agreement was made show acct current quit doubling my previous balance and show acct in good standing paid as agreed OR quit withdrawing from the checking account and not applying to my credit card acct. thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
There is an inquiry that has been placed on my credit report on XX/XX/2019 by Synchrony bank from Syncb/PayPal. I disputed this inquiry with the credit bureau XXXX asking them to verify the inquiry because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for this inquiry, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated this inquiry when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate this inquiry. This application was submitted fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
Collection opened on XX/XX/2020 from XXXX  XXXX XXXX / XXXX. Debt is attempted to be collected by Sunrise Credit Service. This is a violation of the Fair Debt Collection practices act. As this debt was never validated nor was I properly and legally made aware of this debt prior to it being attached to my credit report within the statutes in the fair debt collection practices act. This debt does not belong to me and I wish to have it validated, upon resolution, removed from my credit report immediately.

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 2020-03-13 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: Hunt & Henriques
State: CA

Complaint narrative:
Because I submitted a complaint and keep requesting for XXXX XXXX & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Because I submitted a complaint and keep requesting for XXXX XXXX & Experian to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.

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 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I opened an account with XXXX XXXX  through Cash App on XX/XX/2020 and was due to receive my first direct deposit on XX/XX/2020, which I didn't. I reached out to the app, who informed me that I would receive the deposit in 3-5 business days. It is now 5 business days and I still haven't received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XXXX, My creditor paid {$2600.00} as a balance transfer to Capital One that should not have been paid. On XXXX, I opened a credit card account with XXXX and made a balance transfer in the amount of {$2600.00} that was credited to Capital One. My Capital One account had a {$0.00} balance. XXXX charged me {$78.00}, in transfer fees. Capital One then credited {$2500.00} back to my credit card. They took {$39.00} for Interest charges. This was done fraudulent. I never made two transfers. Because of this, XXXX has charged me two transfer fees in the amount of {$150.00}. As well as, I asked Capital One to use the awards balance in the amount of {$31.00} that was on my account and credit it back to my account which may take 2-3 business days before it reflects into my account. Im an Identity theft victim and there was fraud involved on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
-- XX/XX/XXXX - asked to obtain a note from my manager to " prove '' I could work from home. Employment verification was completed but I received 3 requests to get a " note from my manager ''. 
-- XXXX - asked to get a document from the City of XXXX for a dect 6 years ago when I provided proof I'd paid the debt in full. 

-- XXXX - approved closed on the loan XX/XX/XXXX - closed on the loan but not sent my cash out checks not received nor a notice or option of how the cash out would be paid. Contacted Better to get clarity. 

-- XX/XX/XXXX - repeated requested the checks be sent made payable to me as the loan had been closed for 2 weeks and bills are due ; awaiting these funds -- XX/XX/XXXX - sent checks and made payable only to my debtors ; stated in loan disclosure form. Checks made out to my debtors with no way of debtor knowing I'm the payee. Payout checks are useless. 

-- XX/XX/XXXX - checks sent made payable to me and debtors ; banks refuse to deposit. Checks useless and loan funds have not been received to date. My debtors nor I have funds from loan closed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Good morning my name is XXXX XXXX, I am writing to let your office know that I'm still being harassed by ZWICKER & ASSOCIATES. 
I first reported this business on XX/XX/2019 ID # XXXX XXXX because they were trying to collect the debt by suing me, they send their notice with a sheriff to my home. They are supposedly trying to collect on a debt for XXXX XXXX, by the way that account has been closed. 
All I'm asking is verification and a signature. A contract that shows my signature. I dont needs statements. 
If XXXX XXXX couldn't provide it either and instead chose to close the account why is this collector continue to harass me. I am trying so hard to clean this mess and I don't need collectors pretending to collect on a debt it doesn't exist. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently had my debit card stolen, and because I had many automatic payments linked to this debit card I ask for Bank of America to rush deliver the new card. Not once in the entire call did the representative inform me that the rush delivery would be {$15.00}. Had I known this I would have waited for a normal mail delivery. I have to told the bank that the representative never told me about this fee and to reverse it. They have declined, and on top of that, I called for my new card on Tuesday XX/XX/20 and as of today Friday XX/XX/20 I have not received my 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 monetary relief