vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had my Capital One credit card for over 10 years and never missed a payment. During the Covid-19 pandemic, I called Capital One and told them I would be late on payments as the Pandemic had cost me my job due to a state-mandated shutdown. Capital Ones response was for me to make any payment I possibly could afford, and if no payment was made that I could send a hardship letter at a later date to have negative items removed from my credit report. 

I complied with Capital Ones request until I contracted the virus in which I was hospitalized and suffered physically for months. Once I recovered I contacted Capital One and was told my account was delinquent and has been closed for nonpayment. Despite our verbal agreement during the Covid-19 pandemic, I also discovered that Capital one reported every late payment to all three credit reporting agencies, and I was told no agreement was noted on my account. 

On XX/XX/XXXX I was told to send a hardship letter to Captial One via mail, I complied, and once again, I received a response letter stating that Capital One does not remove negative items from credit reporting agencies due to hardship. 

Although the account was closed, I have made payments to bring my account current. On a daily basis, I receive harassing phone calls from Capital One trying to collect on a debt that is already set up for a payment plan through Capital One. When I tell the collectors to stop calling me as I have already set up a payment plan, they apologize and assure me that my name with being removed from their collection list, this has turned out to be untrue, as they call me every day with the same empty promises. 

10 years of perfect payment history, on an account that had a credit limit of {$700.00} and minimum payments of {$25.00} per month, and due to a pandemic that was out of my control Capital One deems fit to destroy my credit, all while ignoring Government policys such as the C.A.R.E.S Act which President Trump signed into law on XX/XX/XXXX, this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances, in which I complied. 

While Capital One is a large company with billions backing them, I do not believe this should supersede the well being of their customers, at some point large corporations need to be held accountable and comply with laws and policies set forth to protect people from credit demise during pandemics and other monstrosities, we have no control over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently attempted to get pre-approval for a mortgage to buy a new house after obtaining a contract on my existing home. I was not aware of any problems with my credit and knew of no issues that might affect me getting pre-approved for a new mortgage. However, the mortgage broker I enlisted said that my current mortgage company, XXXX XXXX, showed me as being 60 days late on my XXXX payment. I have bank statements ( attached ) showing payments made from XX/XX/XXXX to the current date, XX/XX/XXXX, for the balance due, plus additional principal payment, in the amount of {$1600.00}. I have repeatedly called XXXX XXXX but all attempts at getting anyone to help me have been unsuccessful. They will not work with the credit bureaus to remove the 60 day late notice from my credit report. They continue to refuse my requests to speak with someone that has the authority to help with my request. I have been treated with callous indifference by everyone I have spoken to. As a result, I am at their mercy and will be homeless when I close the sale of my house unless I can get this corrected.

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 2021-04-19 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: Atlanticus Services Corporation
State: LA

Complaint narrative:
I have had so many problems with this company since the beginning I should have stopped when I started. The company seems to make there own rules when they want and will lie straight to ur face whenever something does not seem correct. When you go to make a payment on their app it says payments processed after XXXX eastern will POST the next business day. So I decided to make a payment the day before at XXXX am central. I waiting till around XXXX and asked them why the payment had not been postted they proceeded to tell me that the funds will post and Be made available in 2-3 business days. Now that doesnt make since, however when u call to discuss it they get made mad and start to make up rules on the fly to cover themselves and there is nothing you as a customer can do about it but what I am doing now because u can hear them laughing in the background and all they tell u is that how it gon na be and thats the answer your gon na get. Thisis not the first time in have dealt with them. They are not a company and don it have a professional customer service department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This chase business card was fraudulently used to make purchases. I reported this to chase and they did not remove these fraudulent charges from my account. The whole balance of {$8200.00} was due to fraudulent charges. Chase continues to report these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: IL

Complaint narrative:
I received a debt collection notice from Afni Inc regarding an XXXX XXXX XXXX account for {$760.00}. I spoke with a representative and she said the account was opened in my name in XXXX, IN. I have never lived in Indiana nor do I know anyone there. Furthermore, I have never had an XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In XXXX, I cosigned a recreational vehicle loan with my then-husband. In our divorce decree a year later, my ex-husband was held accountable for the loan and I was to be held indemnified in the case of default. 
All payments were made on time to the loan. 
In XX/XX/XXXX, I received a credit monitoring notification that the RV had been repossessed due to unpaid storage fees from a reseller lot. All payments to the RV loan were still being made on time. Despite my legal indemnity, I immediately made arrangements to pay the outstanding fees and reclaim the RV. 
In violation of the UCC code, XXXX never sent me written notification that the vehicle had been seized. They never sent me notification of how I could reclaim it. They did not abide by the 15 day redemption period set forth by the UCC. The vehicle was sent within 6 days to be auctioned. Had I not gotten a notification from my credit monitoring service, the vehicle could not have been redeemed and the bank would have taken a loss. 
Also in violation of the UCC, the vehicle was stripped of personal items such as unattached electronics, propane tanks, the license plate and the keys. By law, I should have been notified in writing of the personal items contained in the vehicle and given an opportunity to retrieve these items. They never provided this notification and the items were never returned. 

Additionally, the reporting to the credit reporting agencies is inaccurate. The date listed for the repossession/voluntary surrender, according to my credit report, is XX/XX/XXXX. According to the account payment history, as shown on the XXXX online account, the repossession occurred on XX/XX/XXXX. 

I insist that this account be removed in entirety from my credit reports as it is, in numerous ways, false and misleading and XXXX violated the Michigan UCC by sidestepping the notification process that could have prevented the whole repossession to begin with.

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 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hi, On XX/XX/2020, I received email from Discover regarding " {$45.00} back when you join XXXX XXXX XXXX ''. Then I signed up on XXXX XXXX on XX/XX/XXXX, but still haven't received my {$45.00} statement credit. 

I have already tried to contact Discover via their online chat, and their agents and supervisors told me that " after reviewing the account, [ he ] found that it did not earn the XXXX XXXX XXXX statement credit. One or more of the requirements were not met. '' Then, I asked which requirements that it wasn't met. Their supervisor told me : There were several requirements which were listed in the email. These requirements include : 1 ) It must have been a new membership 2 ) The new member can not have been a member within the last 6 months 3 ) The offer could not be combined with any other promotions, including membership promotions offered by XXXX XXXX XXXX 4 ) Was only valid for a basic membership ; it excluded Plus memberships, membership renewal, membership upgrades, add-ons, additional memberships, pre-paid memberships or XXXX XXXX XXXX Gift of Membership 5 ) Only memberships bought within the United Sates are eligible Since the credit was not applied, one or more of these qualifications was not met. Is there anything else I can assist you with?

Sill, I have no clue which requirements I did not meet. I feel like that I have been scammed by Discover and request them to pay me back my {$45.00} bonus, since I followed every single step provided by their email promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
After I initiated a dispute with XXXX  over a incorrect collections account from PRA they moved it to closed instead of removing. They added this new account ( XXXX ) under the banking heading with no information. This was removed from my report by the credit bureaus XX/XX/2021 and now just appeared but dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This chase business card was fraudulently used to make purchases without my authorization. I have already reported this to chase but they have not provided me with neither a fair investigation or corrected these fraudulent charges. The whole balance of {$5300.00} was due to fraudulent charges. Chase is also reported these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear, I received letter from XXXX XXXX XXXX , XXXX indicating I owed {$530.00} to PayPal, I dont know how I can owe PayPal usually I buy something and I pay PayPal and PayPal pays It to merchants, I called PayPal about It as fraudulent and PayPal couldnt provided me how i owed It and what but they closed the account as fraudulent now XXXX XXXX asking me to pay for something that I didnt purchased, I called PayPal again today I was told we dont own the account so I called XXXX XXXX and I told them that was fraudulent and PayPal closed It as fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX - COMPANY SOLD THE DEBT!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CREDIT COLL Original creditor : XXXX XXXX  {$0.00} NO BALANCE!!!

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis report says I'm involved in a car accident 's. I requested my consumer report to dispute anything incorrect. LexisNexis refuse to send working PIN number that works. This has cause my car insurance premium to go up extremely high over LexisNexis car report I have no access to. LexisNexis have false car accident 's reports on file I provided the letter with proof on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CREDIT COLL Original creditor : XXXX XXXX XXXX XXXX {$120.00} paid in full!!!!!

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 2021-04-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2021 and XXXX. XXXX, 2021 and I sent in 609 letters and have yet to receive a response back from the bureau or the creditor. I sent in supporting documents and I have called multiple times to get the problem solved. It has been past 90 days and i have yet to get results back from an investigation and the inaccurate information on my credit report has hindered me to apply for new credit. The bureau is neglecting the FCRA laws.

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 2021-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank has unjustifiably closed my account twice. They are preventing me from doing business with XXXX. 

I opened a Chase Checking account online after being told they wouldn't open an account in person because of Covid. So I opened the account and made an initial deposit of {$700.00}. I linked this account with Coinbase to make investments. I made 4 purchases {$25.00}, {$85.00}, {$90.00} and {$100.00}. Only the first two of {$25.00} and {$85.00} were processed by Chase. Chase did not process the {$90.00} and {$100.00} purchases but XXXX did. Chase then locked my account and told me I have to go to the branch and open a new account. They closed my original new account and opened a newer account in my name. They refused to process two payments of {$90.00} and {$100.00}. They transferred a balance of {$840.00} from the first account they forced me to close. There were two deposits made on that account {$700.00} and {$250.00}. There were four purchases made from the account on XXXX totalling {$300.00}. The balance should have been {$650.00}. The balance Chase transferred was {$840.00} though because they refused to process the two payments of {$90.00} and {$100.00}.

I took my new account information and tried to link it to XXXX again. XXXX wouldn't accept the new info. I got an error message saying " you tried too many times and the account is locked. '' This was after one time linking the information. So I went to sign on to my Chase online account and I was locked out again. I called customer care again and they are saying this always happens. This is protocol. I know this is not protocol and Chase is discriminating against me. They are preventing me from doing business and making investments with XXXX. In the process they are harassing me and stressing me out. The Branch workers blame the Customer care line workers. Customer care line workers blame the Branch workers and I don't get to use my account like every other Chase customer does. Its discrimination and its a violation of my rights to make these purchases and do business in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I signed up for an apple card in late XXXX ( XXXX ) using a promotional link to receive {$50.00} in Daily Cash when you spent {$50.00} at XXXX XXXX gas stations with Apple Pay within the first 30 days of being a new cardholder. This is my first apple card as I have never had one before. I made 2 charges at XXXX XXXX pumps using Apple Pay with the XXXX app totaling {$87.00} in the month of XXXX, clearly within the stated time frame to receive the promotional reward. The transactions are even marked as " Promo Daily Cash '' on my XXXX statement. All I got was 3 % cashback for the transactions. Here is the pertinent info taken directly from my XXXX statement regarding this issue : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA USA 2 % {$0.00} {$37.00} Promo Daily Cash 1 % {$0.00} XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 2 % {$0.00} {$49.00} Promo Daily Cash 1 % {$0.00} Total Daily Cash this month {$2.00} Total charges, credits and returns {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: CT

Complaint narrative:
In early XX/XX/2020 ( XXXX email correspondence was XX/XX/XXXX ), in response to an advertisement/solicitation to refinance from our current mortgage provider ( Home Point Financial Corporation ), we initiated the refinancing process based on the savings estimated by the Sr Loan Originator ( about {$500.00} per month ). 

We provided all the necessary information as soon as requested over the course of days and weeks. 

We received notifications of approval but, to date, HPFC has either been unresponsive or has taken so long to respond to our pending refi, that the same ( but updated ) information is needed. NOTE : We are current mortgage customers of HPFC is good standing. 

I'm not sure where to turn. We've escalated to a supervisor ( XXXX XXXX ) and nothing has progressed. We follow up constantly with barely any response and no resolution. 

The HPFC representatives we've had contact with include : XXXX XXXX Senior Mortgage Loan Originator Homepoint NMLS : XXXX Branch NMLS : XXXX XXXX : ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX Senior Processor Homepoint XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX - Processing Homepoint  XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, TX XXXX I am writing letters to executive management at HPFC to express our frustration. 

Please advise what else can be done to prevent this costly and sub-par level of service from continuing. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: Conn's, Inc.
State: TX

Complaint narrative:
Mad attempts to contact creditor that I was sick with covid-19 and will be needing my payment date pushed back and I never got a hold of anyone and also sent an email but still no response then later on my credit report they said I was 30 days late and when I contacted Conn 's they told me they couldn't do nothing about it despite my attempts to get ahold of someone & I've made 2 attempts to fight the action & it comes out then appears a month later

Company response to consumer: Closed with explanation