vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding their recent action of freezing my account without providing any explanation or reason. Despite my numerous attempts to resolve the issue, Capital One has failed to cooperate and instead directed me to call yet another telephone number, further frustrating and inconveniencing me. 

On XX/XX/2023, Capital One abruptly froze my account, which currently holds a balance of {$9000.00}. To date, no communication or notice has been provided by Capital One regarding the subject matter, leaving me in a state of confusion and financial distress. As a diligent customer, I have always adhered to the terms and conditions imposed by Capital One and have never been involved in any fraudulent or suspicious activities. 

Immediately after discovering the account freeze, I contacted Capital One 's customer service department on XX/XX/2023 to seek clarification and resolve this matter expeditiously. However, instead of offering assistance or addressing my concerns, the representative I spoke with simply provided me with another telephone number to call. This secondary referral has proven to be time-consuming and unproductive, as I continue to be met with automated responses and lengthy waiting times. 

I find Capital One 's lack of transparency and refusal to disclose the reason behind freezing my account highly unacceptable. Not only has this action caused significant inconvenience and distress, but it has also hindered my ability to carry out important financial transactions and meet essential obligations. 

Therefore, I kindly request the Consumer Financial Protection Bureau to intervene in this matter and ensure that Capital One promptly provides an explanation for freezing my account. Additionally, I urge you to facilitate a swift resolution, which entails the unfreezing of my account without any further delays. Furthermore, I ask for Capital One to reassess their customer service protocol in order to prevent similar instances of uncommunicative behavior. 

I appreciate your attention to this complaint and await your prompt action to rectify this issue. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Incessant harassment, refusal to negotiate the damage done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I stayed at XXXX XXXX XXXX as part of a large work group XXXX. I had my own room and provided my Amex for room incidentals. When I checked out I noticed there were {$110.00} worth of charges on my bill that were not mine. The front desk said they were from a food truck. I explained I never went to a food truck. They removed the charges, printed me a new folio, and I checked out. The correct folio amount posted to my AMEX the same day. 

On XXXX I checked my AMEX and what do you know, XXXX had processed the correct folio AND added the incorrect charges 3 days later in a separate charge and they were pending on my card. I promptly called XXXX and accrued {$59.00} dollars in long distance explaining to the XXXX that the charges were incorrect. She told me the charges were alcoholic beverages from the pool ( note : not food truck ). I explained I do not drink alcohol ( technically irrelevant ) and did not order any drinks at the pool. She then asked if I drank water which I said I did and she stated well theres XXXX water on this tab too implying I mustve been a part of the tab because I drank water ( like XXXX other people did that XXXX degree day at the pool in XXXX? ) I got no where and was placed on hold and she never returned. 

At this point fed up, I disputed the charge electronically with Amex and provided my folio and an explanation of the situation. 

On XXXX I received notice from Amex that the dispute was closed and I was charged {$110.00} because XXXX provided a receipt from XXXX XXXX with XXXX alcoholic drinks for {$110.00}. Again NOT MINE ( and not the pool or food truck as erroneously stated by the hotel ). Again I did not buy these drinks or patron XXXX XXXX. 

I reach out to Amex electronically who said this was not filed correctly and was not a dispute but instead fraud. I explained this was a basic run-of-the-mill disputed charge if ever there was one ( aka charged for product I did not receive ). Amex was not hearing it, transferred me to the fraud department who then canceled my card and started a fraud case!

Yesterday frustrated by receiving a new card I called Amex fraud department who told me this never should have been fraud and should have been a DISPUTE, closed the fraud case, transferred me to dispute, where yet ANOTHER dispute was created! I am going round and round. Please help CFPB!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Due to banking issues, I paid my creditor XXXX in 1 month. ( depleting my account ). I asked the creditor for a refund, they refused, said speak to financial institution. Spoke to financial institution, they said speak to creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: GA

Complaint narrative:
Date of Notice : XX/XX/XXXX There is information on my consumer report that are the result of identity theft. I did not provide written permission or instructions for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on a material misrepresentation by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction made by me the consumer! 
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 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 XXXX XXXX XXXX XXXX XXXX You are required by Federal Law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the Date of this notice. Looking forward to your response. 

Thank you

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 2023-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: FL

Complaint narrative:
Original creditor already disputed amount and removed collection from my credit report, but Jefferson Capital picked it back up and placed it back on my account, they repeated call several times daily. Non stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
Opened account via promotional notice met qualifying direct deposit and company is stating that promotion was expired but showed no expiration date and bank has since deleted the promotion. 

The only requirement was to have qualifying direct deposit, as shown in attachment.

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 2023-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have no knowledge of an account that they are saying is 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 non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt in the fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was defrauded by an auto mechanic in XXXX and I immediately reached out to Bank of America and Visa, the card issuer, to assist with consumer protection. I brought my car in for a FULL SYNTHETIC OIL CHANGE AND COMPLETE TUNE UP, but the mechanic performed a conventional oil change and only an incomplete tune up. When I collected my vehicle, I noticed on the receipt that this was not what had been discussed in person and by phone with the shop manager. The clerk informed me that management was away and I would have to call. I did, immediately, and spoke with tech, who apologetically conceded that they did not perform the agreed to repairs. He provided contact information and informed me that I could also expect to receive a call from his manager. When reached by phone, she similarly apologized and offered a partial refund and a re-do of some of the work. I agreed, but when I brought the vehicle back to the shop, the aging owner aggressively approached me. He overruled her on the refund and re-work and berated me in front of the customers. He invaded my personal space and I left the store with a warning that, had I stayed, I would need to involve the police because he was becoming belligerent. About 5-10 minutes, later I received a frantic call from the manager again asking me to return to the store for a partial refund. I informed her that I did not feel safe returning to the store and she admitted that he was out of control. I told her I would handle it with my card company and bank. The Bank of America representative assured me that I neednt worry and that my Visa/BOA card was fraud-protected. The man did not perform the work that was agreed to and I should be due for a full refund. I contacted the Better Business Bureau, but the shop did not cooperate. I similarly reached out to an association of auto mechanics. I eventually received a temporary credit for the charge. I thought this was over until Thursday, when, without warning, I saw that the amount of {$460.00} was withdrawn from my account. I had not even been consulted. Had they asked, I could have included further testimony and documentation. This man, whos shop is currently 1-star rated, did not perform the work he was paid to complete and then physically threatened me when I attempted to resolve the problem. He did perform some work, but it was not what was paid for. I was completely defrauded and the card company inexplicably sided with a merchant with a history of intimidation and shoddy workmanship. I am flabbergasted and have since reached out to local news media about both the mechanic shop and Visas response.

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 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
When using a non TD ATM for withdrawals, TD bank charges me {$3.00} balance inquiry fees that I did not request while making the withdrawal. Therefore, TD bank is able to charge me twice the amount for using the non TD ATM in the same session. The non TD ATM fee is also {$3.00}. This has happened multiple times on my account. TD bank alleges that they are separate transactions within the same ATM session and that I authorized the charges for balance inquires, which I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I received a letter from Select Portfolio Servicing, since XX/XX/XXXX, saying that I supposed to have an amount of {$9900.00} from my escrow. But, I tried more than XXXX calls and until now, not happened. They told me that they sent the last check on XX/XX/XXXX, number XXXX, but I didnt receive that check yet. I asked about the tracking number, but they dont have it. How can I receive it, if the only thing that they say is : " just wait more days ''? Im waiting more than 100 days!!! 
Nobody knows anything about what happened, when I call. I tried to talk to supervisior too, and she said to me : " Call on Tuesday ( XX/XX/XXXX ), and someone will give the tracking number ''. So, I called and again the answer was the same : " we dont have any tracking number, and just wait a couple more days for your check ''. 
Actually, I think that, if there isnt the tracking number, they never sent a check, because there inst any proof about that. I need my check, because its MY money!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX has fallen victim to identity theft orchestrated by Early Warning Services , LLC. This company has engaged in the unauthorized sharing of XXXX XXXX 's personal information with third parties, all for their own financial gain. In response to XXXX XXXX 's demand for the removal of all personal data associated with her social security number, Early Warning Services , LLC left a voice message. This message appeared to be a deliberate attempt to manipulate XXXX XXXX by falsely claiming that the removal of her information would hinder her ability to open bank accounts or acquire credit cards. This assertion is entirely false and constitutes a form of extortion, aiming to withhold consumer rights under the guise of deception. 

XXXX XXXX is resolute in her stance and will not be deterred, as her right to privacy remains inviolable. Please refer to the attached documents for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My son was targeted in his first yoer of College in a teacher work related scam where the scammer sends him a ( fake ) check but real from another innocent party as a work related task. He was asked to deposit it and send the professor ( via XXXX ) a sum of money and keep the rest as his pay. Obviously, the check was returned as unpaid, the Bank ( BOA ) says they can not trace the XXXX Payment ( even though they had the recipients pay info ) and proceded to charge back to my son 's account. This account could not afford the pay back as the funds did not support that payment. So BOA took the funds out of MY account which was connected only by my wife 's name on my account. My sons account was separate and I do not know how that is legal??? 
To the tune of approximatley {$1000.00} They would not reverse nor even negotiate this transaction, so I closed my account with them after about 30 years with the institution! 
I think this policy is ilegal and should not have been my personal account 's responsibility. BOA actually had the scammer 's info but would not persue. 
I also filed a report with the FBI about the scam.

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
CKS PRIME INVESTMENTS is reporting a debt of {$710.00} ... I XXXX XXXX have never had a contract with CKS..This is fraud and nothing more. CKS could never be a creditor as banks and financial institutions dont lend money or 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 2023-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was alerted to the change in my credit report. I have not recieved a phone call, written notification of this debt, or any emails on this debt. 

the only debt I have that this could be, I had attempted to rectify with the company as they could not offer proper cell phone service, they could no longer provide service after 22 years. I called the company numerous times to fix this and they could not rectify it. i could no longer make phone calls, or access the internet. I had to go to a new provider.

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 2023-08-12 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: OH

Complaint narrative:
On XX/XX/XXXX I mailed a letter to TransUnion and XXXX disputing inquiries on my credit report : 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 Even though I included a copy of my Social Security Card, my State ID, and physically signed the letter. TransUnion still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from TransUnion past that point. It has been well over 30 days. 

I mailed the same letter to XXXX, on the same date. XXXX NEVER responded regarding the inquiries.

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 2023-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased my XXXX when the engine and transmission went out, before the month at that point I already paid my differed payments of XXXX, I had to go in person so I could've gotten another car which is the XXXX I got now, they started another contract for the amount of {$21000.00} I didn't start paying til XXXX payment of {$240.00} every XXXX weeks, ever since west portfolio took over I haven't seen my payments going down... and I started to pay them on XX/XX/XXXX. What to do? And west portfolio charges an extra XXXX for debit payment and all I'm seeing is the {$240.00}

Company response to consumer: Closed with explanation