vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2021 I booked an airplane ticket with XXXX XXXX using my credit card Capital One to travel from XXXX to XXXX, XXXX with one short stop in XXXX. 
On XX/XX/2021 I checked once again my itinerary only to discover that the flight from XXXX to XXXX was cancelled. I immediately cancelled my ticket with XXXX XXXX and asked for a refund. I also called Capital One and spoke to their Customer Service and they stopped the payment to the airline. 
( This was at the height of Covid-19 and I had heard that in XXXX the situation was ghastly. ) At that point I re-booked a ticket with XXXX XXXX using again my Capital One credit card and my flight to XXXX went smoothly. 
Returning from XXXX about a month later I discovered that Capital One had reinstated the XXXX XXXX XXXX based on a cable they received from XXXX XXXX describing how they had offered me coupons and I had not used them! 
I called Capital One 's Dispute Dept. and also sent them a Registered Letter with return receipt. On the phone the credit card officer told me that they justified XXXX XXXX and that the charge stands. I have copies of all my correspondence. I also cancelled my credit card after many years of usage due to their flagrant disservice they've done me. 
I have had an excellent credit record and they lost a good customer but I refuse to pay them the amount they are asking for the ticket I did not use, {$1300.00}. Please help me correct this grave error on their part as well as their not replying to my registered letters though they have signed as 'received '. 

p.s. All my correspondence with the above named credit card, as well as receipts of the Post Office, are available for your perusal. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I, XXXX XXXX, living human being/consumer, am submitting this on my own behalf. No third party is involved. Midland Credit Management failed to properly validate the debt pursuant to 15 USC 1692g sent on XX/XX/XXXX. They also failed to respond to my affidavit of truth, thus creating a fault. They committed FRAUD by collecting a debt not owed, and I have filled a complaint to the FTC for FRAUDULENT activities ( FTC Report Number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under CBNA, which after many phone calls, I found out it was CitiBank. I called them and was told I would have to call XXXX, which I did and then was told Citibank should be helping me. Being somewhat frustrated, I talked to a fraud expert at Citibank who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.

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 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX National Credit System , Inc XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. 
This National Credit Systems collection account with the balance {$180.00} ( Original Creditor is XXXX XXXX XXXX ) is inaccurate because I paid this before it went to collection. I am requesting that the item be deleted. 
I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time.

Enclosed are copies of my 3 checks from my bank account supporting my position. 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
WELLS FARGO BANK AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: AR

Complaint narrative:
XXXX XXXX XXXX  AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I got a brand new XXXX XXXXXXXX card and I used it one time and I have been locked out of my account and I believe my accounts were stolen because my bank card also has a bunch of charges that I don't recognize. My email is also being weird.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I have had an ongoing problem with Shellpoint mortgage. I have consistently fully paid the mortgage monthly since its inception and have never missed a payment. 

The loan was established without an escrow, and I have paid the insurance and taxes without lapse. On numerous occasions, I have supplied proof of insurance to Shellpoint, but they have not updated their records, and have applied lender placed coverage on the loan and added the cost to an escrow balance on the account. Since I already have insurance on the property, I refused to pay the escrow balance, and have asked Shellpoint to rectify this situation. This has been an ongoing issue with them for the past 2 years, and they have not corrected their records. They are now calling me non-stop trying to collect the balance and show the loan 60 days in arrears which is negatively impacting my credit.

I provided Shellpoint full proof of insurance coverage for the past two years including building liability and flood insurance policies via email to XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have requested that they correct their records. Rather than update their information, I have received 2 additional letters from them demanding proof of insurance.

I have tried to resolve this issue through Shellpoint 's customer service, but find them to be useless. Instead of resolving the issue, they tell me they will file a complaint and request that I send the proof of insurance to the email address that I referenced above.

I recently tried to refinance the property to get away from Shellpoint, but the negative impact they are having on my credit is preventing me from refinancing. I need your help to get this resolved and will provide any and all documentation you need to resolve this issue with Shellpoint

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: CLGF Holdco 1, LLC
State: MA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: FL

Complaint narrative:
A debt validation letter was sent to the company I.Q. DATA INTERNATIONAL , INC. located at XXXX XXXX XXXX XXXX, WA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: NY

Complaint narrative:
XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to Transunion and XXXX for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''

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 2021-11-14 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: NY

Complaint narrative:
XXXX 's credit card did not send statements to me and then XXXX XXXX Credit Card services reported me to XXXX and Equifax for delinquency and my credit score suffered. When I asked from XXXX XXXX Credit Card for proof of mailing of credit card statement, XXXX 's credit card could not produce one and removed delinquency from my account, however another department of XXXX 's reported me again, and sent an email to me ( attached ) stating " Under the Fair Credit Reporting Act, we are obligated to report account history based on factual account data. Standards established in the credit industry ensure integrity of data and uniform communication between credit reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have experienced a lot of credit inquiries on my account that I did not authorize. Most of the inquiries happened on the same day. Some of the inquiries are old and some are new but I did not authorized them and I would like the inquiries deleted from my credit report. I am experiencing some type of credit fraud.

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 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Good Day I need your help with Equifax Information Services LLC aka Equifax the credit bureau. I notified XXXX and XXXX in XX/XX/2021 that there was fraudulent information on those 2 consumer reports. So they added an initial fraud alert and they automatically contacted Equifax to add a initial fraud alert as well ; even though no fraudulent information was listed on Equifax that is how this archaic system works. So in XX/XX/2021 XXXX and XXXX took care of the fraudulent information. So I thanked them and asked them via mail to remove the initial fraud alert. They wrote me back via USPS mail with proof that the initial fraud alerts were removed Great. I also wrote Equifax at the same time and Equifax still have not received the initial fraud alert. I wrote Equifax in XX/XX/2021, XX/XX/2021 and XX/XX/2021 with copies of my ID, social security card and recent utility bill, a utility bill for the month that I wrote them for proof of address. These documents were enough for identity verification and address verification. These are the documents their reps tell you to send with any mailed dispute. I have not received any correspondence from Equifax. Granted I have been writing them since XX/XX/2021 to remove the initial fraud alert on my credit report. I mailed 3 letters each month to these Equifax addresses these addresses are listed on Equifax credit reports : XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX. I know Equifax have received the 9 letters from me asking them to remove the initial fraud alert off my credit report. This is ridiculous and I am so frustrated that they won't do their job. I have written them 9 times to the 3 addresses they supply and I included the proper documentation in each letter they require. I need the initial fraud alert removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
USAA, ( henceforth known as financial institution, ) issued clear title to the vehicle. 

They then caused my car to be repossessed by sending XXXX XXXX XXXX, claiming to be an Agent, to collect it. This was the subject of a civil action I filed. The court issued a judgment against the party claiming to be an Agent, declaring the vehicle to be wrongfully obtained. Further compounding the wrongful actions, the Financial Institution has sold the stolen property. This can only have happened as the result of further fraudulent action as clear title was issued to me with no lienholder. 

Theyre now reporting debt still owed despite having never proven the debt when requested by counsel and with no accounting of dollar amounts owed or vehicle appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/XXXX and XXXX I accidentally paid my JetBlue XXXXXXXXCard twice from my XXXX XXXX XXXX account. {$10000.00} was paid twice. I caught the issue in early XXXX and called immediately. Customer servicetold me they would try and cancel the second payment. I called again in mid-XXXX  and I was told that the request had not been processed and that they would issue a check I called again in early XXXX to inquire about the check and I was told I was under investigation. On XX/XX/XXXX They issued a formal letter which I havent closed asking for another 45 days to deal with my issue. What are my rights? This seems illegal that I should be sitting now for 2 1/2 months with a negative balance and money owed to me. Based on their request for another 45 days they will have had 10,000 of my hard earned dollars for over four months

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 2021-11-14 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: NY

Complaint narrative:
On XX/XX/XXXX, I was looking at my credit report and noticed that there were two hard inquires on my account. One I was aware, as I purchased a car in XXXX and took a small loan, which I payed off immediately. The other was under XXXX, which after many phone calls, I found out it was XXXX. I called them and was told I would have to call Equifax, which I did and then was told XXXX should be helping me. Being somewhat frustrated, I talked to a fraud expert at XXXX who explained I had to fill out this form and after receiving a response form you, I would then have to mail it them. The representative has already stopped the card from being used, as the card was sent out, not received by me, but she cancelled the account. 

I have talked to many people regarding this issue, and the most important thing to me is having the fraudulent hard inquiry removed from my credit report. I worked hard to get it where it is, and I should not be punished for what someone else has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: IL

Complaint narrative:
This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX XXXX XXXX aka Certegy and XXXXXXXX XXXX XXXX! Not only did they steal {$25.00} fraudulently from my XXXX checking account under the name of XXXXXXXX XXXX  XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, presented it a second time, then a week later Certegy steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and XXXX XXXX!!! They told the CFPB they did not receive this fee and had resolved all on their end, XXXX XXXX XXXX!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank XXXX XXXX  which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from Certegy  showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL  that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by XXXX or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! XXXX XXXX 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 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TOWNE MORTGAGE COMPANY
State: GA

Complaint narrative:
My taxes went up by {$200.00} and it has caused me to have 2 late payments this year. I would like to have a lower payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: FL

Complaint narrative:
I am a victim of Identity theft. I contacted all 3 bureaus as well as the credit company and I provided each of them with the credit reports with the circled fraudulent information. A copy of the police report. A copy of the letter from the Medical office who wrote me to alert me that my personal information, as well as my identity, had been compromised. I also provided a copy of my current driver 's license as well as my social security card. I have written the agencies 3 xs and have not gotten any relief or support.

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