vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have a Capital One Venture Card. On XX/XX/2020 I was charged a annual fee of {$95.00}. After I discovered the annual fee, I called customer service on XX/XX/2020 to cancelled the card. At the time the customer representative convinced me to downgrade to another Venture Card so that I won't get charge on the fees and told me that fee would have been waived. 

When I check my statement in XX/XX/2020 I still see I carry the annual fee. On top of that I am being charged interest of {$2.00} per month since then for the annual fee, totaling {$10.00}. 

I called them today XX/XX/2020. I requested for supervisor who is Senior Account superior. Basically she told me that me that that don't waive annual fees. Had I known that I would have just close the account all together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
Hello, I'm seeking you out today in regards to AFNI COLLECTIONS. 
This company has been calling me and harassing me to pay a debt i do not owe. 
I have asked them several times to stop calling me and to take me off their call list. My wife and I are in the process of becoming 1st time homeowners and i'm worried that if this issue is not resolved i will not qualify for a mortgage loan. Afni has not mailed me any documentation pertaining to this debt. I have mailed them a certifed debt vaildation letter request and they have not mailed me anything back yet. On XX/XX/2020 i spoke with XXXX, who stated if i didn't pay this debt of {$170000.00} that they would call the DMV to suspend my license. I do not believe they have been using fair communication tactics.

My wife is XXXX  and this is causing so much stress because we want to welcome our XXXX  in a home of our own, but this is currently hurting my credit and driving priviliges. 

Please let me know how you can help to resolve this issue. 
XXXX Bless!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have been trying to set up my XXXX  account to link to my PNC checking account for a long time now. Every time I try it comes up with an error that says PNC made changes to not allow me to link it. I would like to begin investing but I am unable to use my investing account because of this. The only options left are to file a complaint or change banks which I would not like to do. I need PNC to change this and allow access to transferring money to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: MO

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-07-07 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: MO

Complaint narrative:
PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWELEGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you  have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2020-07-07 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: CORELOGIC INC
State: CA

Complaint narrative:
In response to my complaint files with CFPB ( Complaint ID : XXXX ), Corelogic has provided insufficient and inaccurate information. 
In their response to my complaint, they concluded XX/XX/2020 was the last correspondence with me in this matter requesting my information which is incorrect. 
On XX/XX/2020 I also certified Mail then a request to provide details on their inquiry into my credit report which they have received on XXXX, 4 days prior to responding to CFPB. 
Corelogic is performing unauthorized inquiries into consumers ' credit reporting with XXXX and has failed to provide proof of authorization and stalling every effort to including failing complaints with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I made an online purchase for a 24 foot ladder with Lowes. When the ladder was delivered, my husband told me I had ordered the wrong size because the ladder was too tall to fit our shed. I went back on line to lowes.com and spoke with an rep/agent named XXXX, She placed an order for a 26 foot ladder and reassured me that the 24th ladder would be picked up when they deliver the 16ft ladder and I would be reimbursed for the entire purchase of the wrong ladder, including the delivery fee. I got my XXXX statement and the charge was not reversed as I was told. I have called the online number and have been advised to call 3 different Lowe location. I am will to pay for everything I order from Lowes however I am not willing to pay {$280.00} for an item I did not receive. I was told that the person who does the returns was behind and it should give it 14 days. It has been since late XXXX that this all started. I have been told that management would call me, to date, I have not heard from any one. I have been given the run around and have had to wait on the phone for hours and hours trying to speak with someone. The associates are rude and unprofessional and the managers just past the buck. Please help me.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020, I received unemployment benefits. I went to the Bank of America ATM to withdraw cash. As soon as I was about to withdraw, they didnt have the denominations I wanted to I canceled the transaction. NO CASH was dispensed. I move on to the next ATM, and as I was about to withdraw, it said I only had {$4.00} left. I check my bank statement and it said I made a withdrawal or {$680.00}. I havent even received any dispensed cash or made a complete withdrawal yet. The bank made aN ATM error and doesnt want to resolve it. They said they were gon na investigate it, when I should be investigating them. I was hoping this government agency can help me resolve this issue and stop letting the banks go unchecked.

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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: MD

Complaint narrative:
Today, XX/XX/XXXX I called a collection agency to make a payment arrangement for my debt. I was told I would have to pay the debt in full. I asked why is that & the agent responded by saying because its been too long. I said well it has been 5 years, but I want to make a arrangement before the account closes. The agent responds, no maam we will continue to update the credit bureaus. I then asked to be with a supervisor. I was told this is not a supervisor matter, why do I want to speak to a supervisor. I explained I did not understand because it has been too long. She refuses & I asked again calmly. The agent started yelling at me, saying she will put in the system she has updated me on the information and told me to have a good day and she hung up on me. Within a few minutes later, I am being called and hung up on from different numbers. I do not appreciate being harassed & yelled at for trying to pay off a 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 explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # ( XXXX ) XXXX twice on XX/XX/2020. I advised the rep I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I have also attached an identity theft report to reflect this fraudulently charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: WI

Complaint narrative:
XXXX XXXX just started reporting to my equifax credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with XXXX XXXX. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the XXXX  and XXXX. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with XXXX XXXX ( who is currently in a class action suit for fraud ) and Equifax for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The complaint is against Experian Credit reporting company, I have disputed the account with these people numerous times to no avail. The account XXXX XXXX XXXX  was opened in XXXX and I was working in the State of XXXX and have had my personal info hacked thru the U.S. Government who monitors my credit. 

Also this is in violation of Nevada Revised Statutes of which I am a resident of.

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 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2020 two separate unauthorized charges of {$4000.00} and {$840.00} plus an additional {$140.00} for foreign exchange fees were deducted from Citizens Bank account. These charges were from a website based in XXXX and a store based in XXXX respectively. That same day I went to my email from the bank and clicked on the option that " one or more of these charges are not authorized '' and then contacted the bank immediately after to file a fraud complaint and was assured that it would be handled and I would not be responsible for the unauthorized charges. I received a case number and was told it shouldn't take more than 7 to 10 business to have the money credited back to my account even though the actual investigation may take months. I received a new debit card and decreased the amount allowed to be charged in a day. XX/XX/2020 I received 2 letters dated XX/XX/2020 stating that there was no error and the money was not posted to my account and they would not be crediting my account back the money that was stolen. I have never shopped at any of these locations and based on my history my spending is done with a few trusted places that I have used frequently and for much smaller amounts. Since then I have not used my card for fear that another theft will happen and my bank will not do anything to help/protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Hi it's XXXX XXXX XXXX XXXX XXXX owner operator Chase Bank the problem is pretty much what you questioned me about within the intake I am not able to handle or manage the account wuthin the fact that the representative are not following or processing or making correct decisions based on the checking account policy and regulations I'm filing claims on every transaction I make I don't have access to all my accounts I have to call to access or switch to link clean it card from one check account to the next and ACH transactions procedures or agreement is not followed ... my investment account is on hold by one of the representative which happened in the past when I was in XXXX XXXX..ok my primary office is in XXXX California where I do mist of my primary broker work broker # non-disclosed XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau of the South, Inc.
State: CA

Complaint narrative:
Repeated calls and voice messages claiming that I have a debt with the company. I am certain that it is not mine as the name provided to me was my maiden name which I have not used for over 6 years since I have been married. I don't have any outstanding debt and any old debts from XXXX  and older were discharged in bankruptcy court as of XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

XXXX XXXX has already sent me A letter stating that they did research and the account is not mine but experian still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the XXXX services stating that its not my account driver license and ssn

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 2020-07-07 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: CA

Complaint narrative:
FRAUDULENT APPLICATIONS WERE SUBMITTED IN MY NAME OR MY IDENTITY HAD BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. 

XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2020-07-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, a fraudulent purchase was charged to our account. We protested, Citi sided with the vendor. We protested again and have spent hours trying to make Citi understand. We filed complaint # XXXX with the CFPB on XX/XX/XXXX. Citi responded by stating " ... .we determined the {$4900.00} purchase on XX/XX/XXXX was fraudulently made ''. We thought this meant we would not be charged. 

Citi notified us yesterday that it is again allowing this fraudulent charge to go through our account. I want this case reopened because they lied when they responded to the CFPB and are siding once again with the vendor, who processed a fraudulent charge.

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 2020-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
In XXXX of XXXX i closed my XXXX XXXX service and i also turned in equipment used. On XX/XX/XXXX I received mail and phone calls stating i owed on the account. I asked for verification by mail on XX/XX/XXXX ; I never received a reply from Convergent Outsourcing about the collection. I disputed the collection with all three credit reporting agencies numerous times. On XX/XX/XXXX I requested another verification of the account and was mailed a bill with a date in XX/XX/XXXX after i paid and closed the account. The bill that was sent had no description of charges, only a total due and my name.

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