vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-19 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: GA

Complaint narrative:
I contacted Capital One on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.

I also informed Capital One that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is/was found, including but not limited to late payments, on any of my credit reports by their company, I will not hesitate in bringing legal action against them for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. 

I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.

In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ). I have over 60 exhibits with 5 ( + ) violations on them a piece. They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
XX/XX/XXXX. Fraud early warning system went into effect and blocked an important purchase I was attempting to make in the amount of {$1800.00}. All three representatives I spoke to including a supervisor refused to lift the block on the account despite having provided them with the correct account information and security questions information. The supervisor even said 'he didn't blame me ' when I told him that I would be reporting Citibank to the CFPB. This company is deplorable with the worst and most antiquated policies. Phone numbers should not be the only means of determining card ownership. I am tired of going through this with them. I want the credit score restored from the time before they pulled a credit check in XX/XX/XXXX. I hate this company and want my credit restored at once.

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 2021-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: SKO Brenner American, Inc.
State: TX

Complaint narrative:
This company called Me at XXXX XXXX which is way outside of the time that they can call me they left a voicemail that was automated which is so unprofessional. The main concern is they are calling at almost XXXX oclock at XXXX this is ridiculous and they need to be reported for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX of 2021 I send off a 609 letters to all of the credit bureaus. I dont agree to the amount of {$58000.00}, and the lender rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
On XX/XX/2021 my account had a positive balance and started to receive multiple overdrafts per day at {$37.00} each for no reason. My account was never negative and when i spoke to someone at the branch, the teller claimed that a merchant, XXXX XXXX who debited my account in the amount of {$82.00} with card ending in XXXX. It was a temporary hold on XX/XX/2021 in which the transaction expired and the charge had fallen off and officially posted on XX/XX/2021. Between XX/XX/2021 and XX/XX/2021 I was charged {$37.00} a day numerous times. My first attempt to have this issue corrected resulted in the branch stating their systems were down and there was nothing they could do. While the systems were down, i continued to receive overdrafts. On XX/XX/2021 the branch only agreed to refund {$200.00} back into my account. There should have never been any fees period. This is a demand letter that the remaining fees are refunded back to me. I had deposits going in the account and the account was always positive balance. I contacted XXXX XXXX and they advised that they dont have the authority to place any kind of internal holds on my account. The branch was trying to rip me off and keep my money, not allowing my deposits to cover transactions trying to clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Contacted wells fargo bank about a charge on my account. XXXX XXXX lost my package worth {$110.00}, i tried to contact XXXX XXXX and they tried giving me someone elses tracking info from a different state and told me it was delivered. Disputed the charge at Wells Fargo, they denied my claim. I sent screen shots of me trying to contact XXXX XXXX and the carrier service and they took back the credit and i lost {$110.00}.

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 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well.. 

Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off to avoid interest. Thank you very much for your time. Have a wonderful day and please be safe.

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 2021-06-19 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: AFNI INC.
State: CO

Complaint narrative:
Noticed this on my credit report and descreased my score substantially. I dont have an account with AFNI. 

XX/XX/2021 Major Derogatory AFNI, INC.

It looks like your account with AFNI, INC. received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've been sending letters to Equifax since XXXX of 2020 asking them to investigate accounts I feel are reporting inaccurately on my account. I have yet to receive a response for a couple of accounts. XXXX is still reporting inaccurately with no update, notation or anything letting me know an investigation was completed. Also, I have an account with no creditor on my report. How can I verify or even know if an account is mine if there is no creditor listed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
In XX/XX/2021 I received a welcoming/confirmation letter from Huntington Bank stating an Checking/Savings account was opened in my name on XX/XX/2021. Along with the letter was a debit card. I never opened an account ( s ) with Huntington Bank, nor did I consent or give authorization to anyone to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Credit Card ( Spirit Airline Brand ) XXXX Paid off in XX/XX/2021 Still shows I owe {$27.00} Why? And How?

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 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
As per the Congressional law I was granted by them to request the documentation associated with this account. I am requesting for the wet ink contract that I singed with Child Support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- INSTALLMENT LOANS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Paypal closed my account for no reason and will not help me with getting it back up and going to have my funds released I have tried many time and was told I had to wait for an email but yet months and months go by with no resolution it has been well over there 180 wait and still nothing. I did a search and found I could file a complaint on here I am very upset that I had to wait about 10months and counting they are defiantly in violation of their own policy and should be address I shouldn't had to wait this long for my own money that has caused me even more issue due to them closing my account and holding my funds. my email linked to my account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
XX/XX/2016 amount XXXX I don't why they but me I check the landlord they say we don't no you have to dispute and we don't have any money own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XXXX of 2015 I opened my first credit line with Synchrony Financial through Amazon.

I have been paying my loan off for the past 6 years & I have recently gained access back into my Synchrony online account to review why my balance is in fact increasing rather than decreasing when I have been paying 2X the minimum payment towards my loan for the past 6 years. 
Upon reviewing my recent statements I noticed that 65 % of my loan payment has been allocated to my a mysterious " Card protection fee '' for the past 6 years. This fee was initially a couple of dollars on my first statement which was under a line item of a " Security 5 Fee '' which ultimately led me to believe it was a general fee that was included with the credit line. Once I had accumulated a larger credit balance & had opted for paperless statements this fee was raised to $ XXXX {$48.00} over the past 6 years. Which i had no idea about. 
I have gone through all of my emails & any mail that I had stored from Synchrony & Amazon from when I signed up for the credit line in 2015 from which I could not locate any information regarding that I had signed up for a " third party service '' as stated by the Synchrony account manager. So for the past 6 years I have been paying 65 % of my payment towards a product that I never agreed to sign up to nor did I even receive any information in regards to this. The worse part is that Synchrony has not once notified or even informed me that I have been paying for these services instead they have been allocating 65 % of my monthly payments to this fee & increasing my total credit balance due to the payment I am making is not covering the interest on the loan due to the 65 % going to this mysterious fee that was scrupulously added to my account. Synchrony has not even tried to contact or inform me of this practice even though my credit balance has increased almost {$1000.00} due to my interest payment being $ XXXX {$15.00} short on every monthly bill because 65 % of the payment is being allocated to this fee.

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 2021-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Miscommunication with due dates payment owed and payment amounts. Adding on hundreds more in payments and fees after making payments.

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 2021-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I filed for bankruptcy in XXXX of XXXX. The company called everyday pretending to be a federal agency saying my bank account had be breached, my social security had been stole, I had a warrant out for my arrest, through out my bankruptcy processing. They continued to make impersonating claims of this manner. In XX/XX/XXXX the auto-dialer that made the same call every day with a different number had an dial number 1 to speak to a federal agent. I pushed one and someone on the other end responded XXXX XXXX. 
My mothers car recently got repossessed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX phone number ( XXXX ) XXXX She was in bankruptcy too and they would not let up through the bankruptcy and after. 
They are still calling me. I still use my car but they are calling everyday with a new number and the same auto-dialer. I have filed complaints with the Federal Bureau of Investigations, Internet Crime complaint center because i thought it was a phishing scheme but they will not let up even though I have an automatic stay. They are a creditor and can not contact me for the purposes of repossession or any restitution of the loan that was vacated by the bankruptcy filling. When I communicated with Toyota Motor Credit Corp they seemed to be in complete agreement with the way their employee did business. 
The latests call was XXXX at XXXX XXXX  XXXX XXXX XXXX using phone number XXXX. 
XXXX XXXX XXXX  at phone XXXX XXXX XXXX XXXX  at phone XXXX XXXX XXXX XXXX XXXX at phone XXXX. 
the list is endless every day for almost two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off. Thank you very much for your time. Have a wonderful day and please be safe.

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 2021-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I posted a graded sport card lot on XXXX on Wednesday, XX/XX/2021, and XXXX happened to messaged me about the cards. He said that if the cards were still available and I said yes. After that, he wanted me to text him through his phone number so he can negotiate a deal for me. First, XXXX was asking me what's my final asking price for the trading cards, and I said {$500.00}. Keep in mind that the trading cards that I sold to him were worth {$200.00} total. So, XXXX " agreed '' to do {$500.00}. However, I received this email from XXXX and they showed me the confirmation of XXXX sending me {$500.00} plus {$50.00} for the shipping so I can send the trading cards to him. I assumed that the email was from PayPal because it had a PayPal logo and they formatted the receipt on the email just like PayPal. The next day, I went to a XXXX store to ship out the trading cards and XXXX wanted me to ship it out Next Day Air. The shipping cost me {$58.00} and I gave XXXX the tracking number of the package because he wanted me to give him that as well. The next day, the email, XXXX, told me that if the funds of {$550.00} were to be transferred to my PayPal account, I have to sent pictures of me buying {$500.00} worth of XXXX cards. I did that and then I received another email from them saying that " apparently, the buyer sent another {$500.00} by mistake, so in order to get my funds, I have to sent pictures of me buying another {$500.00} worth of XXXX cards. And now, the package is already sent to him, so I can't get back the trading cards and my money back on the shipping. I also lost another {$500.00} because I bought XXXX gift cards with them, and I can not return them to the store that I bought it from because all sales are final. I also can't use the XXXX gift cards myself because I tried to test it out buying an item on XXXX in case XXXX may have used all of the money on those gift cards, and it turns out there is no money left on the cards. I am really mad and frustrated about this situation, so if you guys can help me out, that would be great. In total, I lost {$750.00} from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19 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: IL

Complaint narrative:
On XX/XX/2019 I started chapter XXXX bankruptcy. Everything but the mortgage was put into the bankruptcy. I have gotten XXXX  to fix their issues with my report. But I still can't get XXXX  and Trans Union to fix theirs. 
My mortgage is not included in the bankruptcy, it isn't closed, and I have never had a delinquent payment. They say I have a derogatory account. The account is XXXX XXXX XXXX XXXX These same to companies have started a new inaccurate account that was already in the bankruptcy. They also say this one is a derogatory status. The account is XXXX XXXX XXXX. 
I have disputed the mortgage information the whole time, and now I am disputing the information for XXXX XXXX XXXX. 
It's almost 2 years that I have been disputing this misinformation, and my credit rating is just as bad then as it is now. 
XXXX  shows I have a credit rating of XXXX, whereas Trans Union has my score at XXXX and XXXX  as XXXX. 
My credit was in good standing the day I filed the bankruptcy, and it even shows on Trans Union report that I was in good standing. So how could I have both of these accounts in derogatory now when I started the bankruptcy, they were fine? 
I have contacted both XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX, and both have said they are reporting to you the same as what they were when the bankruptcy started. 
I have sent this information numerous times about what is included in the bankruptcy and what it is good standing.

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