vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
**my email to CapitalOne subpoena department ( theres no claims department ) Capital One Customer Support, I am writing to express my deep dissatisfaction and frustration with the recent closure of my three credit card accounts due to erroneous returns from XXXX XXXX This situation has been exacerbated by the fact that your representative had previously assured me that my automatic payments would be scheduled for the 30th of each month, coinciding with my direct deposit dates. This arrangement was supposed to ensure timely payments, yet it was not honored, leading to this unjust action. 

Furthermore, on XX/XX/XXXX at XXXX XXXX XXXXXXXX, I was specifically denied any communication with a supervisor. As a credit consumer, I have the right to fair and transparent communication regarding my accounts. This refusal to engage with me is not only disrespectful but also potentially in violation of several consumer protection laws and principles, including the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions. 

By refusing to communicate with me, Capital One is in direct violation of CFPB regulations, which mandate that financial institutions handle consumer complaints and inquiries in a fair and timely manner. Additionally, this refusal constitutes an unfair practice under the XXXX provisions of the XXXX XXXX, as it places undue financial strain on me and obstructs my right to address and resolve issues with my account. 

Now, I am expected to pay interest and finance charges on top of my existing balance without access to my accounts. This is an outrageous demand under the circumstances, and it places undue financial strain on me. 

To resolve this issue fairly, I am demanding one of the following two options : 1. Reinstate my accounts after three months of large sum payments made on all cards.

2. Agree to a settlement of 30 % -50 % of the total balance due. 

Failure to address this issue promptly and fairly within 24-48 hours will leave me no choice but to escalate this matter further. These discriminatory acts will result in legal action, which I am already preparing to undertake. I have no hesitation to utilize my professional resources, including filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

I expect a prompt and fair resolution to this matter and look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ongoing issue with Wells Fargo, sent a complaint to CFPB regarding issue and still found not in my favor. However, wells fargo has lied in their resolution letter and attempting to steal XXXX dollars from me.

Wells fargo states " a letter was sent to your address we have on file advising you of that information and that provisional credit of {$1500.00} previously provided to you will be deducted on XX/XX/year>. 
Please note that due to the fact that the additional information we requested was received after the closure of the claim reference XXXX, that resulted in opening a new claim to review the additional information and that claim case number is XXXX " wellsfargo claims that due to not providing information before closure of claim, I am not eligible. 

1 ) Wells fargo claims assistance stated on phone i did not need to provide information 1st via phone 2 ) I provided information after a new phone agent stated I actually did need to send an email, and this information was provided on XX/XX/year> before the closure, so again, wells fargo continues to lie.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like to dispute off the following items on my credit report. 

Equifax : EQUIFAX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous XXXX ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XX/XX/2024 I spent {$3000.00} on a purchase at XXXX. The payment was declined by SOFI, but the transaction went pending and the funds were taken out of my account. The transaction sat pending for 6+ business days, before finally dropping off, yet the {$3000.00} that was deducted was NOT returned to my balance.

I have contacted SoFi customer support over 20 times to find out what is going on with this transaction, and they continue to claim the funds were never taken out of my account and that the transaction was void. They advised to contact the merchant, who replied " Thank you for your patience. I'll try my best to resolve this issue. From what I can see, your transaction expired before your funds fully reached us. In this case, your bank put your funds on hold, which means they will return the funds to you. It may take 1 to 10 business days, and the time depends on your bank, not on us. '' The transaction was pending for 6 days, and funds were deducted. Then it just fell off and never posted, but the funds were not returned to my balance. SoFi support agents can not see the transaction and refuse to even acknowledge that it exists. 

I am nearly positive I did not receive my {$3000.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a notification from my bank Truist regarding a charge for {$620.00} that was not authorized. Fortunately that did not clear however since my card was not blocked other charges were made : {$300.00} - XXXX XXXX, {$350.00} XXXX XXXX, {$31.00} XXXX XXXX. I received notification from Truist that the {$300.00} and {$31.00} were concluded as fraud but they are saying the {$350.00} was initiated by me and Truist has now taken the {$350.00} credit back. I have called Truist as I would like to appeal this decision, I did not make any of the above listed charges and I have not spoke to anyone that is able to resolve this. I have banked with Truist previously known as Suntrust since XXXX, I am completely disappointed that the investigation team at Truist has failed. Its horrible enough to have scammers violate you, but a bank to do the same is completely unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland funding is contacting me for a debt of {$6500.00}. I did explain to them that deb is not mine and is the result of an identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit 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: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
I just recently looked at my credit report XXXX. I saw some hard inquiries that did not have a permissible purpose, I also attached evidence : Name : Auto-financing Address : XXXX XXXX, XXXX XXXX, NC XXXX 1. these inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681 B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: SC

Complaint narrative:
After several attempts were made to a college to no avail to resolve a {$2600.00} unauthorized charge to my credit card I filed a dispute with Macy 's American Express. The credit card company sent me a letter a week after filing a verbal dispute of the charge in question. The letter sent with regrets stated it was a reoccurring charge and it could not be disputed. I immediately contacted the card company refuting their claim as a reoccurring charge. I have NEVER purchase or charged anything to this vendor present or in the past. The company stated it would reopened the dispute but it would take up to three billing cycles ( XX/XX/year> ) as they investigate with the merchant XXXX XXXX. 
The unauthorized charge, in the amount of {$2600.00} on my Macys American Express credit card, for enrollment into a project management certificate program which I DID NOT AUTHORIZE. I am simply requesting the charge be reversed, refunded. etc. Again I DID NOT AUTHORIZE the charge and should not be held responsible for payment to a school that won't reverse the card because of its no refund policy. I have exhausted all efforts to resolve this with the merchant and credit card company. The inability to discuss over the phone due to " high call volume '' and being disconnected after extended periods of hold time has proven a cumbersome and ineffective process. I would also attribute the Companys inability to resolve customers complaint satisfactory to customers being forced to interact with oversees based customer service representations who prolong calls and convey inaccurate information for a complaint due to the language barrier. 
I can not express enough that the charge in question is in connection to a class registration at a state University which has a start date of XX/XX/year>. My general concern is that I will be held responsible for the registration cost 1 ) if this issue is not resolved by this timeframe and 2 ) I do not attend the class which I am not interested in attending. 
Resolution : I am seeking the unauthorized charge in the amount of {$2600.00} be removed from my card and 2 ) my account ending in ( XXXX ) with Macys American Express be immediately closed. 

Any assistance in expediating or resolving before this timeframe is 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE WITH ALL 3 AGENCIES address, emails, bank statement, 2 FTC reports ( two separate needed for all accounts ) police report and ID attached for full verification.

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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
COMENITY BANK/XXXX IS on my credit and I don't know who they are and never tried to get credit or a loan from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> requested transfer of {$10000.00} from XXXXXXXX by XXXXXXXX XXXX to XXXX XXXX by Webster bank. 
XX/XX/XXXX XXXX emailed requesting bank statement and drivers license XX/XX/XXXX I notified XXXX that I was no longer interested in the transfer, please stop the process. 
XX/XX/XXXX XXXX told me to contact XXXX and have them ask that the money be returned XX/XX/XXXX I contacted XXXX. They told me the return must be initiated by XXXX. 
XX/XX/XXXX I contacted XXXX. They said it would be in my XXXX account by the XXXX or XXXX for sure. 
XX/XX/XXXX, Money did not arrive at XXXX. I spent 6 hours on the phone with calls to both banks. XXXX says they cant transfer unless they get a letter of indemnity from XXXX. XXXX said they dont do that. I had XXXX and XXXX on the phone at the same time and they could not agree on the process. Supervisors at both banks could not agree on the process. I was told it could take 30 days to resolve this. In the meantime someone is holding my money and I am earning no interest. Online research shows that this is typical for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
XX/XX/year> I purchased a money at Western Union, XXXX XXXX XXXX XXXX  XXXX GA XXXX in the amount of {$150.00} debited on my bank card. I immediately went next door to mail it XX/XX/year> usps, they lost the mail XX/XX/year>. I contacted Western Union foe a refund with stub and money order number and usps tracking number. Western Union is charging me {$15.00} plus I have to wait 30 business days to receive a refund minus {$15.00}. The 1st representative told me he would waive the {$15.00} due to the inconvenience. He was to forward me to a supervisor after 1st telling me of the {$15.00} non Refundable fee, once sent to supervisor, they did not budge even after me telling them the previous representative gave me a refund on {$15.00}. I wan na make a formal complaint to cfpb regarding the policies making consumers wait 30 business days to receive a refund. That's illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
There are 49 transactions that were unauthorized in the amount of {$14000.00}. My XXXX was stolen in late XXXX and unauthorized access was used to get into my Crypto.com account. They purchased {$14000.00} in the span of two weeks and transferred it to an external wallet. 

I have been in contact with XXXX  XXXX XXXX for the last two months trying to get this dispute solved but am having issues because of my previous history with this merchant. 

I have reached out through both email and by phone to Crypto.com with no luck. 

I filed a police report for the stolen XXXX and have attached it below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
This account has inaccurate information this information must be updated as it applies to law code 1681

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
I called Loancare XX/XX/XXXX I was told over the phone that Im in foreclosure. I had not been notified via mail email or phone before that call. I was told I need to submit an application for mortgage assistance right away. He sent the application and it did not come to my email until the XXXX of XXXX. 5 days later. I lost 5 days worth of time right there to submit the application. I sent the application completed that evening. I followed up and was told I was missing documents, I resent another email with the missing documents requested, I followed up again and was told to call back the next evening, Losing yet another day, I called back when I was told and that agent told me that the emails cant be two separate emails they wanted the application all in one. So I submitted it again. I called to follow up the next day, I was told that because the email was too large they could not open the email how it was sent and they are not allowed to open the link it converts itself too when an email is too large. Then they gave me an impossible task, they wanted 50+ pages sent in 1 email and it must be under 25 mb for them to open the email. I tried two more times, I even tried XXXX which is a site that lets you send large files in one document. They refused that as well. Eventually I faxed it over on XX/XX/XXXX. I called XX/XX/XXXX the team my application goes to wasnt even notified my application had been faxed. Ive talked to agent after agent and department after department and no one told me I was too late. Now that Ive submitted my application and I jumped through all the flaming hoops and did my best efforts for my part, now theyre saying my application will not be reviewed because Im too close to my sale date and they never gave me enough time and wasted a lot of my time needed for review. Now my house is up for sheriffs auction XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I recently got a collection with paramount Recovery Services. I never received notice or any communication in regards to this account. I also do not recognize this, I have insurance and go to my personal doctor who requires any payment upfront if my insurance does not cover it. This is not mine and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 

XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE WITH ALL XXXX AGENCIES address, emails, bank statement, XXXX FTC reports ( two separate needed for all accounts ) police report and ID attached for full verification.

Company response to consumer: Closed with non-monetary relief