vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me. I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK
State: SC

Complaint narrative:
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy and the plan has been court approved. 
The court approved Chapter XXXX Bankruptcy plan lists the " secured claim '' amount of {$63000.00} to be paid in full over 60 months with interest at 6.5 %, and an allowance for an " unsecured claim '' amount of {$6700.00} to be paid over 60 months at 0 % interest. 
My case has been administratively closed and I started making payments to UCB Bank according to the court approved plan in XXXX of XXXX. When I received my first UCB payment statement via email in XX/XX/XXXX from UCB 's Attorney, XXXX XXXX I noticed right away the principal amount listed of over {$90000.00} was incorrect and payments were being applied incorrectly as interest only. UCB bank increased the payment to match the " secured '' payment ( $ XXXX/month ) listed on the bankruptcy plan but left off the " unsecured '' payment XXXX $ XXXX XXXX. I've asked their UCB 's attorney as well their bankruptcy Department representatives, XXXX XXXX and XXXX XXXX to correct these errors for over 8 months but they have failed to comply. I've also asked for a point of contact for my loan with UCB for that long and continue to have my requests ignored. Now the UCB 1098 mortgage interest statement has the same errors which is causing delays in filing my tax returns with the IRS.

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 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
This claim is against CashApp. Money had been stolen from my account on multiple occasion and i tried to resolve the problem with cash app but they don't have a customer service number. they reach out to people via emails and i can't reply to the emails. after three days they send an email stating that they didn't hear from me therefore my claim is closed. Every time i have to go back to my account and report again the same transactions that i already reported just to get the same result over and over.

CashApp is stealing people money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
Online Information Services ( Online Collection ) are reporting a fraudulen collection on m credit. This account is NOT Mine, and I have no knlowdledge of it. Please remove this account from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
XXXX, Transunion and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with Paypal nor was I aware that an account was ever opened in my name. PayPal is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Paypal. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. PayPal credit card account number XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.

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 2021-01-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX  and XXXX  have constantly abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus " are not operating with in the boundaries of FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: PA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2020, I mailed a letter about inaccurate account on my credit report. It has been over 30 days and I still haven't received a 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 2021-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Credit Card Debt FRAUD from XXXX XXXX purchased by Asset Acceptance LLC c/o Midland Credit Management , Inc. ( Judgement or Decree ) I am trying to refinance current home. 
Title agency pulled my social security number and said it NEEDS to be resolved in order to complete the refinance. 

They are Trying to collect a debt from myself that does NOT belong to me. 
FRAUD alert. 

Case # XXXX Amount of {$3200.00} They are requesting payment in full.

Address is INCORRECT. Never lived at referenced address.

Date of Birth INCORRECT. 

XXXX XXXX XXXX XXXX dated XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I had my car towed back to XXXX XXXX, after it completely Died on me, After SO many complications with this vehicle, then i called the finance company to tell them where it was at, so they could repo it, beings i Couldn't put Thousands into the car, Plus the rest of what i owed, which was XXXX , Plud Another car payment, This was Back on XXXX, Revently, within the Last 2 weeks, the Finance company, Continues to call me, All day Long,,, i just Emailed them as Agrivated as i Am, to STOP, im hoping they do Stop, but its Westlake financial services.

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 2021-01-27 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: PA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-27 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: WA

Complaint narrative:
Hello, I made a purchase on XXXX XXXX  through XXXX and Capital one charged me a " cash Advances fee ''. This was not right, it was coded as a purchase and through XXXX it should have been resolved between the Vendor and Capital one. But neither of them helped me and i still got stuck with this charge. 

The capital one rep stated that this is not refundable by them. EVEN THOUGH THEY ISSUED THE CHARGE. If they cant refund it who can .... 

Thanks,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XXXX XX/XX/XXXX, I applied to open a Citigold Interest Checking and a Citi Savings account via the Citigold Account Opening Bonus promotion page. The terms of the promotion stated that I would receive a {$1500.00} bonus upon maintaining a {$200000.00} balance in these accounts for ninety days beginning within one month of account opening. On XXXX XX/XX/XXXX, I called the Citigold Service Center, and the representative confirmed that this promotion has been applied to my account. Consequently, I deposited {$220000.00} on XXXX XX/XX/XXXX and have maintained this balance continuously for ninety days ( through XXXX XX/XX/XXXX ) and since then, thereby fulfilling the requirement to receive the bonus. However, I have not been credited the bonus as of XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I telephoned the Citigold Wealth Relationship Manager assigned to my account, XXXX XXXX, who assured me that I have fulfilled the requirements for the bonus and that he would make a service request to have the bonus deposited into my account. Furthermore, on XXXX XX/XX/XXXX, I telephoned Mr XXXX again, and was informed that the request to deposit my bonus has been approved and would be deposited into my account imminently. However, by XXXX XX/XX/XXXX, I still have not been credited the {$1500.00} bonus that I am entitled to.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
This debt was reported directly to XXXX in XXXX and I have no record of notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I currently have a debt that was re-transferred to a collections agency in XXXX of XXXX for XXXX. This account had previously been opened in XXXX and closed a year later after disagreements on the bill and account. The company had transferred the account to collections with a company then early last year removed it from collections, bringing it back to XXXX where they contacted me an offered a lower amount they would accept, {$200.00}, in a voicemail on or around XX/XX/XXXX. They then never called back to communicate this offer or discuss options. Then come XXXX of XXXX the account was changed off to Credence collections and I have no contact information for them and have never been contacted from them to dispute or even pay the bill.

I have now had this account hit my credit twice! Recently significantly lowering my credit score while I am in the process of improving it. I am disgusted that this company has never even contacted me but instead did such damage to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
The representative contacted my mother after not being able to reach me on my line. Once I got to the phone, I attempted to inform the representative that I would send a written response to the letter I received in the mail within the 30 day response period. 

The representative then began to get hostile, unprofessional, abusive, and back me into a corner to force me to accept responsibility for a debt that is an inaccurate reporting. I informed her that I would be disputing the account in a written response but she attacked me in a manner that was extremely disgraceful. I do not appreciate being spoken to in a condescending manner or harassed after I repeatedly asked her to stop. I would like to have no further contact with this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
An online banking Service VENMO has received money on my behalf but will not release the money to me claiming the account was frozen due to suspicious activity, however the only activity I attempted was to retrieve the money. 

Continued contact with VENMO included their request for bank statement and drivers license which was supplied to them, but they still will not release the money sent to me. 

I am charging VENMO with THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Id done everything in my power to ensure online credit card account was not easily accessible to anyone. 
Capital one has been my primary creditor for more than 2years ( not consecutively ), and I am a loyal, valuable customer and iI dont want to express my disappointment publicly. 
They closed my credit card account because of fraud application instead of recovering my online account due to it being compromised by a person pretending to be an employee from one of the online stores i used my card in.. they also removed my payment history for 2 years i never missed a payment.. i opened this card in XXXX 


, I appreciate your time and I understand the position youre in. But, please reconsider your decision and reimburse the money the thieves stole from me. Capital one can easily absorb this loss, while my family and I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: NY

Complaint narrative:
My old gym, XXXX XXXX XXXX XXXX, did not cancel my membership due to an accounting error on their side in XX/XX/2019, following a XXXX XXXX  due to their negligence. 

I have since been in touch with the gym to fix the issue, but since the gym had preemptively sent out a debtor claim with First Credit Services, FCS, I have had several debtors call me. It's clear they shared my information somehow because I've never owed a dime and now I'm getting phone calls from several different kinds of companies chasing me for these gym funds. 

The gym has confirmed they told FCS to stop contacting me, but now things have gotten worse. I have to block phone numbers multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I've had and account with Regions Bank for almost 3yrs. 
I took out Pay Day Loans due to the Covid-19 because I couldn't work companies were down sizing. 

I went into to the Regions Bank on XX/XX/2021 t close out my account. The Tailor assured me my Account would be close and gave me the receipt with {$00.00} balance. 

I'm under the impression my Regions Bank account was closed until I receive a thank you for your patient. 

When I went back Regions the Branch Manager advised me the only way they can close it has to have {$00.00} balance. I wasn't told that if something came through within 24 hours it could reactivate the account. 

To day I'm overdrawn by {$630.00}, the Branch Manger was no help at all.

I'm asking my Bank Account to be CLOSED IMMEDIATELY that all I want.

I'm not looking for in Monetary just for this account to be closed. This is affecting my future credit score.

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 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
In XXXX of XXXX I did a change of address in my account and the bank froze my account and card saying I needed to send in a current Id in order to get to my funds. I couldnt get an appointment to get a new id until XX/XX/XXXX. I have bills going past due and my phone has been cut off because of this.

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 2021-01-27 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: Navient Solutions, LLC.
State: DC

Complaint narrative:
After submitting my initial Complaint ( ID # XXXX ), I reached out to Navient on Monday XX/XX/21 in two separate emails, stating the following : # 1 Im on Social Security and no longer obligated to pay, if delinquent, on a co-signed Student Loan.

Please contact the 3 Credit Bureaus and have Navients ( a private Student Loan lender ) account removed from my file as soon as possible. Im trying to get a refi loan that was denied, I believe, because of Navient. 

Thank you for your expedited movement on this request. 

# 2 SSI payments can not be levied or garnished. Treasury 's Financial Management Service can also offset, or reduce, your Social Security benefits to collect delinquent debts owed to other Federal agencies, such as student loans owed to the Department of Education. ( Navient is a Private Lender ) Generally, debt collectors can't take Social Security or VA benefits directly out of your bank account or prepaid card. 

Their response was : Weve received your inquiry. One of our knowledgeable specialists will review your account and respond shortly. 

There response came to CFPB as a no or rejection, that did not deal with this issue at all. 

Although in submitted Feedback, Im told it would go to Navient, but they are not obligated to response to that form of communication.

Company response to consumer: Closed with explanation