vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
Re : XXXX I have obtained additional evidence supporting my complaint, and I'm told I can not re-open the original complaint but can file a new one. 
I have two Capital One credit cards, at issue is my CapOne Quicksilver card. I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX of XXXX, an organization that supports families of fallen police officers. CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne XXXX charges more than 29 % interest on the cash advances. I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus anadditional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. 
CapOne 's response contained multiple false statements. I had been a customer for many years, and NEVER was it disclosed to me that XXXX transactions were considered cash advances prior to my phone call with Cap1 on XX/XX/XXXX. Additionally, the Cap1 XXXX app CLEARLY indicates XXXX was not a cash advance but a purchase. In no case did I ever receive cash from ANY of my XXXX transactions, therefore how could it be a cash advance? Not a cash advance. Had I known XXXX was deceptively labelled as something it wasn't, I would never have used it and avoided debtors prison. No matter how much I send to Cap1 in payments, my balance continues to grow well beyond usage. What other hidden fees are they assessing? I have attached statements that do not indicate XXXX is considered a cash advance, and one screenshot from the XXXX app showing XXXX is a purchase. The XXXX app doesn't allow access to statements or older transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
As dated, XX/XX/2023, I demand cease and desist. See attachments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
My husband was in an accident on XXXX XXXX of XXXX. 
We filed a claim with our insurance company XXXX. 
The car was deemed a total loss and they sent a payment to Us. But due to a glitch in their system a payment for the loan was not made to Westlake financial services. 
Us not knowing This happened, on XX/XX/XXXX I received A credit alert that my score had dropped dramatically dew to a delinquent account. 
I checked to see what this account was, contacted XXXX  and they went back discovered THEY had never sent out payment for vehicle that they deemed total loss. 
I have a letter from The claims manager stating that this was indeed on their fault, and Westlake financial would not hear it.

I would like to try and get my credit score back because this is 100 % the fault of XXXX  insurance, and without this being fixed it can cause further damage to myself in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: MI

Complaint narrative:
Equifax keeps reporting fraudulent items on my credit report. The account is XXXX XXXX I dont when it was opened but Ive attached the police report and FTC report and again this placed back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC
State: WA

Complaint narrative:
Global lending services calls me multiple times a day and leaves voicemails. They call at least 3-5x a day and have exceeded 7x/week repeatedly. I have asked them to stop but they say my number is on an auto dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
After reviewing my credit report on XXXX I identified a discrepancy with my account listed under NATIONAL CREDIT SYSTEMS and a validation request was requested as this is an account I do not recognize. I reviewed my credit report again on XX/XX/2023 and the accounts continue to reflect on my credit report as ACCURATE and I have not received any correspondence from the creditor correctly validating nor has my credit report been updated to reflect the account is disputed therefore a 2nd attempt to validate was sent. After reviewing my account on XX/XX/2023 there were still no updates and the account is still reflecting negatively on my report. I do not believe this debt belongs to me and I do not believe this creditor has authorization to access this account nor has authorization to attempt to collect on the account and this account continues to negatively affect me. Please strike and remove the account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
My previous complaint ( XXXX ) with Aldous & Associates was closed without getting a valid response from the company.

As indicated in my complaint, Aldous & Associates continues to state that a fraudulent contract they provided is " proof of a debt " they are trying to collect. The signature on the contract they provided is not my name and not my signature There is absolutely no way I could have known this fraudulent contract existed and there no way that I could have a debt related to a breach of contract that I did not know existed.

Aldous & Associates is threatening to report this as a defaulted debt to credit reporting agencies unless I pay them {$100.00}, but they wont even give me any information on how the {$100.00} was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NJ and used my Coinbase debit card to pay. The amount was {$47.00} + {$10.00} tip = {$57.00}. ( Receipt attached. ) A few days later, while the transaction remained pending, the charge had changed to {$230.00}. I gave it about two weeks to correct because the charge was pending. After two weeks, I reached out to the restaurant and they said that the charge is completed on their end and I would have to reach out to the bank. 

Afterwards, I reached out to Coinbase, and they told me I have to go to the merchant because the transaction is pending and can not be canceled. I had gone back and forth multiple times with no resolution. 

After about a month, the total of the charge updated to {$57.00} - the correct amount. However, my account balance still reflects minus- {$230.00} - and the transaction remains pending. 

I keep on following up with Coinbase, and their response is always, were looking into it and will reach out when we come to a resolution. This issue has been going on for over two months, and at this point they no longer respond to my emails about this issue. 

Attached is a copy of the receipt, a screenshot of the transaction taken from the Coinbase app and another updated screenshot taken today which clearly shows both amounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX and his active military daughter completed a modification request with Well Fargo in XXXX of XXXX giving their full and complete SSN 's. 
XXXX believed his home was lost to a foreclosure that was completed in XX/XX/XXXX. 
XXXX believed he was being allowed to " re-purchase '' the property in early XXXX, giving no party any SSN 's and having no credit report run. 
A hard money loan was acquired through XXXX XXXX XXXX ( owners moved to FL and now reside there ) for what XXXX believed was a " purchase '' loan to re-purchase hi foreclosed upon property. 
What actually happened was : Wells Fargo, XXXX XXXX of XXXX XXXX, and XXXX XXXX XXXX ( attorney ) : Coerced XXXX XXXX into signing ( what was identified to him as ) a " purchase '' transaction ( after his XXXX foreclosure was completed in XX/XX/XXXX ) that was later identified as a non-owner occupied transaction making XXXX believe this transaction was completed with his name and SSN. It was discovered upon the submission of the non-military affidavit in relation to a foreclosure filed against XXXX XXXX  property, the account was actually in a created identity with XXXX name and his daughter 's XXXX. 
The the " purchase '' was later identified in bankruptcy filings by who XXXX believed to be the " XXXX '' as a non-owner occupied transaction, and a transaction that sent monies to the " foreclosing lender '' ( Wells Fargo )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.

Complaint narrative:
The Citibank Banking Products and Services Portfolio NXXXX XXXX was contracted with XXXX Citibank XXXX XXXX it was paid in full until the moment the bank client suffered a claim due to serious illness, the claim was filed on XX/XX/XXXX, it was I present the request for the Protection of the Client with Eleven ( 11 ) Clinical Histories and the coverage of the Portfolio of Banking Products and Services Citibank NXXXX XXXX : Products Covered with the Debtor Life Policy : Credit Check No.- XXXX, Coverage {>= $1,000,000}. 
TC City MasterCard N.- XXXX, Coverage {>= $1,000,000}. 
Citibank Visa Credit Card N.- XXXX. Coverage $ XXXX. 
*Total Product Coverage : $ XXXX. 

Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
Policy XXXX XXXX XXXX, Certificate No.- XXXX, Coverage $ XXXX. 
*Total Customer Coverage : {>= $1,000,000}. 

For Total Coverage : $ XXXX. 

XXXX Citibank XXXX XXXX and XXXX Only Paid Citibank Visa Credit Card XXXX XXXX. Coverage $ XXXX. On XX/XX/XXXX. 

Pending Payment Total Customer Coverage : {>= $1,000,000}. 
Total Product Coverage : $ XXXX. 
For Total Coverage Due : $ XXXX. 

XXXX Citbank XXXX and XXXX Abused My Fundamental Rights and My State of Defenselessness of My Wife and Minor Children in XXXX, their abuses continue XXXX, XXXX. They have the nerve to continue charging. 

It is reported that each product has an individual complaint in the CFPB, to force the individual and collective Solution of portfolio Citibank XXXX. 
Complaint ID : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
Phone call from XXXX ( XXXX ) XXXX saying that an amount was taken from my account, and the number tried to get me to make a XXXX account. Was posing as Huntington Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: NC

Complaint narrative:
Every major bank ( XXXX XXXX, XXXX  XXXX XXXX, XXXX 's, XXXX, XXXX ) that issues credit cards has four ( 4 ) options for paying a statement balance except Capital One which only has three ( 3 ).

1. Minimum payment due 2. Statement balance paid in full 3. Remaining statement balance which reflects any credits received to offset the statement balance 4. Current balance Capital One willfully chooses not to offer cardholders the option of paying the Remaining Statement Balance ( option 3 ) because they would lose out on billions of dollars in interest-free money paid to them weeks early that is not due to them until the next statement due date. 

I understand their policy is likely legal or their vast compliance department would not authorize it but it is grossly unethical and the laws must be changed to prohibit credit card companies from not offering a Remaining Statement Balance payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Eagle Accounts Group, Inc.
State: MO

Complaint narrative:
I filed a complaint on XX/XX/XXXX. The following is a copy of a portion of their response in relation to this issue. The information continues to be reported on my credit report. This has caused me personal issues as it relates to my overall credit score. 

" XXXX XXXX XXXX XXXX XXXX, did request a deletion of the item from XXXX XXXX credit report. I contacted XXXX before writing this response and XXXX verified that the account is no longer reporting to XXXX XXXX 's credit. We advised her on XX/XX/XXXX that we were requesting deletion from credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I can not establish an account with Venmo ; I am a victim of fraud and Identity theft. The person responsible has been arrested.I can not establish a legitimate account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
When at XXXX, I got offered a credit card that would give me 25 % off a large purchase. I took it. Comenity was the bank offering the card. 

For the first payment, it took me FOREVER to find a phone # to make the payment as I never got a bill/statement. I finally found a phone # on the web, and make a full payment of my entire balance, on time on XX/XX/XXXX. I paid via my bank account with XXXX. 

I called Comenity on XX/XX/XXXX and XX/XX/XXXX as they never took out money from XXXX account. Comentiy told me their IT systems were being repaired, but my account was paid in full, I owed {$0.00}. 

In XXXX, I received a paper bill at my house. Comenity claimed to have a returned check from my XXXX bank on XX/XX/XXXX. Due to the " returned check '' ( which never was ), they charged me late fees and interest fees, and returned check fee. 

XXXX, my bank, has no record of a returned check, and I have enough money to pay the full bill. Comenity never tried to take out the money. I went to XXXX so I had tried evidence to submit to Comenity. I got a report from XXXX showing I had to returned check fees. When I tried to submit the report to Comenity per their advice, the and Comenity website kept saying " issue - cant accept attachments '', and the messages I wrote on the Comenity " secured message center '' kept disappearing due to " system issues '' at Comenity.

Comenity is a Fraudulent company. All these young people who shop at XXXX, many of who are minorities, are getting charged for things that are not accurate. 

The Feds need to investigate!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While attempting to review my free credit reports in XX/XX/2022, I was unable to receive my Equifax report through XXXX ; I received the shown error message. Life ... got in the way, so while I continued checking every few weeks since then, it was always during a time when the call center was closed, and I always received this message. 

I was finally able to call during their hours today, and it was a horrific experience, to say the least. The person on the phone, XXXX, was incredibly rude and condescending. He repeated himself constantly, often interrupting me, that the annual credit report website being broken is not their fault and I must create an account on the Equifax website in order to access my report. 

When I shared that the website functioned just fine for my other two reports but presented the shown error message for only Equifax, I was told that, again, it's their fault, and I need an account. I stated that I was entitled to a report without making an account through their website, and he said there was nothing they could do about it. He recommended I try again later but implied I didn't have the patience to wait ( to which I responded that I've been trying for months ). 

He FINALLY asked me for my information after 15 minutes of this and then stated that no, my account is fine, not locked or anything. I asked him to then escalate the issue to the tech team, since it must not just be me, it must be their whole system. He refused. I stated that if he would not escalate the issue himself, I would like to be connected with someone who did. 

He refused my request to transfer me multiple times. When I finally did get transferred, I let the supervisor, XXXX, know that I would be reporting this issue to the CFPB. She stated that I should do that because they have no control over the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Select Portfolio Servicing is the mortgage company. 
-The seller of the home is the personal representative for the Estate. 
-Home was sold on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Payoff quote valid until XX/XX/XXXX of {$92000.00} was provided by SPS to XXXX XXXX XXXX on XX/XX/XXXX. 
The correct amount of mortgage payoff funds were received by SPS on XX/XX/XXXX, following sale of the mortgaged property. 
XXXX XX/XX/XXXX, SPS accidently issued a check to XXXX XXXX for taxes. The check amount was {$2500.00}. XXXX XXXX issued a refund to SPS on XX/XX/XXXX because the taxes were paid during the closing of the house on XX/XX/XXXX. 
- Subsequently, SPS erroneously issued the estate a check in the amount of {$2800.00} on XX/XX/XXXX - The estate cashed the check - The personal representative contacted SPS in XXXX of XXXX after receiving multiple Mortgage Statements and notice that SPS was purchasing home insurance for the house. 
- The personal representative contacted SPS 3 times for an account review. 
- The first account review determined that there was a mistake and that they should not have issued the Escrow Check and determined that a value of {$2400.00} should be issued to SPS to close out the account. This was on XX/XX/XXXX. The letter does not specify the type of check or what date that check needed to be submitted by. 
- That requested amount was sent in to SPS ; check was cashed by SPS on XX/XX/XXXX and credited to the mortgage account. 
- SPS has failed to release the lien on the home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation