vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 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: NJ

Complaint narrative:
I booked an airline ticket for my in-laws using my Capital One credit card on XXXX. The flight is from XXXX to USA with travel date of XX/XX/XXXX. 

Due to Corona virus the flight was re-scheduled on XX/XX/XXXX and I decided to cancel this on XX/XX/XXXX. I got confirmation email from XXXX that the tickets have been canceled and they are working with the Airline to get me a refund. This is on XX/XX/2020. This is after I pointed out the Department of Transportation enforcement directive that was published on XX/XX/XXXX that clearly states I have an option to request full refund. 

" Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier. The longstanding obligation of carriers to provide refunds for flights that carriers cancel or significantly delay does not cease when the flight disruptions are outside of the carriers control ( e.g., a result of government restrictions ). '' This is what DoT has is in its enforcement directive published on XX/XX/XXXX. 

After not receiving the refund for several days, I have disputed this charge with Capital One. After a few days Captial one came back to me stating that the Merchant ie XXXX XXXX came back to them stating that I can re-book my tickets to a later date if I want to. 
Please note XXXX XXXX never said that I am not entitled to a refund but Capital One went ahead and charged me back the amount. I tried calling them numerous times about this and they keep saying they need to follow Visa guidelines. I have also tried to point out to them that Visa guidelines can not be used to override Department of Transportation enforcement notice for which their reply is that the enforcement notice was optional and not necessarily required to be followed by Capital One. 

Now the enforcement notice is pretty clear that it applies to everyone and is not optional. I want CFPB to make it clear to Capital One that breaking rules of US government will have serious consequences and that they can not make up any rules that would be against or supersede US governments. 

I have been chasing XXXX XXXX, XXXX XXXX Capital One for over five months now. The tickets were canceled on XX/XX/XXXX and I still dont have a refund on XX/XX/XXXX. I urge CFPB to take immediate action against Capital One. 

Name : XXXX XXXX Dispute Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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:
Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX  that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law. 

Please have it remove now in good faith and follow FTC guidelines.

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 2020-09-02 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:
Just saw an incorrect open account from XX/XX/2020 from XXXX XXXX XXXX XXXX list with a collection agency called XXXX XXXX that I have no knowledge of. And, did not open any account with a communication company on XX/XX/2020. 

In addition, never received a disclosure in accordance with Federal Truth in billing or credit reporting act as a matter of law.

Please have it remove now in good faith and follow FTC guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Incorrect collection account shown on my credit report from XXXX XXXX listed as open communication account with XXXX XXXX XXXX XXXX XX/XX/2020 with a balance. No know of such account and never received documents from them in accordance with FTC guidelines. This is bad faith billing and credit reporting practice.

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 2020-09-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card for XXXX charged my account and I submitted this as fraud or dispued account. I spoke to the company once before and found out that they had reversed the charge. The company charged my card after 3 months and this time went to fraud. The person ask me questions that were not appropriate such as do you have family members that steal from you? Do you give the credit card to someone else? Did I have plaster or work done on my home? The asked if I had any loans that I applied for or credit cards. In addition, the representative was going to ask more about my personal details and I advised them I was calling about a incident that I am being charged that I was told was closed. The company replaced the card due to the breach and now I had a customer service agent accuse me indirectly that I have a charge that they can ask my whole financial history. My request was simple where did the money get deposited and to whom did the money get deposited. They didn't have any of the information it was a one sided discussion where the company wanted to charge me and not look into it even though it has been over 60 days since it has been closed. The company had to send me a check for overpayment. This shows up as a new charge on the card. I have asked for the supporting documents and the company has provided none. They are overstepping their rights under the Fair Credit Reporting rights in addition the representative was rude.

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 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, recently I had a problem with Citibank. On XX/XX/2020, Citibank froze my account without notice or explanation. When I discussed this with the bank, they said that there was fraud on my account. They told me the investigation timeline is from 30-60 days, but I never received any statement saying this. It is now XX/XX/XXXX, and its been almost two times longer than what they initially said it would take. All my attempts to contact the bank on the phone and in the local branch have been pointless. Each time I call, they transfer me from department to another with no result, and then after a certain amount of time on the phone hey disconnect me. During this difficult time I have to fight the bank, for them to give me my own money back. I am a single mom, and I have a lot of economic problems, and I just don't have the knowledge or time to fight with one of the biggest banks in the U.S. I  can keep calling the bank with no result, but It would be of great help if you can hep me resolve this issue. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number : ( XXXX ) XXXX Citibank Account Number : 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 2020-09-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, 2020, before the problems with COVID 19 appeared, we paid {$61000.00} for a XXXX Cruise using our Citibank Visa card. On XX/XX/2020, XXXX XXXX XXXX ( XXXX ) informed us that had to cancel our cruise due to CDC guidelines. We chose to receive a refund instead of re-booking another cruise next year. On XX/XX/2020, XXXX returned {$61000.00} back to Citibank creating a {$54000.00} excess credit in our account. We called Citibank on XX/XX/2020 and spoke to customer service. They initiated the process to wire transfer {$54000.00} to our checking account and that it would take 3-5 business days. We never received any money from Citibank so on XX/XX/2020, we called Citibank Customer Service again. This time we were told that because it was such a large amount, it had to be approved by 2 different supervisors and that the final approval had been done on XX/XX/2020. We were told again that we should see the money in our checking account in 3-5 business days. Again we never received any money so on XX/XX/2020, we called Citibank customer service and this time we asked and spoke with a supervisor named XXXX. She could not give us any reason why we hadn't received our money yet and she would have to research 2 departments to find out what happened. She gave us no timetable as to when we were going to receive our money but that she would contact us if she found out anything, As of XX/XX/2020, we have received no money and no information from Citibank as to when we will receive our money!

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
A complaint was submitted to CFPB on XX/XX/2020 after certified letter debt validation letters where sent to IC SYSTEM ON XX/XX/2020. IC SYSTEM responded on XX/XX/2020 to my complaint with a credit removal document with corrected spelling of my name, and stated that this would no longer be reported and it would be removed off of all credit bureaus. As of XX/XX/2020 the following debt still appears on XXXX  and XXXX. 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 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank refused to return {$17.00} claiming that they recently refunded late fees. 
The recently refunded fees were THEIR FAULT - I even had to go through CFPB to fix my credit history because Synchrony Bank reported the account as delinquent to credit bureaus, even though it was THEIR FAULT for accumulating charges on my credit card because they forgot to take care of some charges. 

Moreover it is absolutely ridiculous that Synchrony Bank is allowed to charge {$17.00} fee on a {$17.00} purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I attempted to notify these companies of the proven ID theft I was a victim of with my FTC report and I did not even receive responses from most of the companies who allowed fraudulent accounts opened in my name. 
I am now notifying them and you publically of the error and asking for removal NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am the victim of ID THEFT and my name and SSN was used to open FRAUDULENT ACCOUNTS. 

Please see attached FTC report for details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe I was victim to a money laundering scam on XX/XX/2020. I shared personal information over the phone with a man pretending to be a loan officer for XXXX XXXX. The man said he was going to deposit money to my account, but that I would have to send some of it back using XXXX XXXX. I realized this was likely a scam and immediately called Bank of America and notified them of the situation. They froze my checking account and I was advised to open a new one. On XX/XX/2020, I opened a new checking account with Bank of America. This morning, I checked my mobile banking app, and neither account was there. I called the bank and they said they closed my accounts for business reasons and that they could not reveal any other information. I reported the incident to the FTC on identitytheft.gov on XX/XX/2020 and I reported the incident on the XXXX website on XX/XX/2020.

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 2020-09-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX SSN : Transunion XXXX. XXXX XXXX XXXX, PA XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I disput
e XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. This company has not sent me any notification of debt. By FTC Law I have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP.

Three inquires are not mines or authorized. 
XXXX Inquiry from XX/XX/2020 Finance XXXX/XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I placed a pre-sale order at Macy before covid-19, the sales lady told me to pick up the cosmestic after couple weeks or they could deliver to me. But then due to covid-19, Macy was closed, and nobody from Macy connected me. I did not receive the cosmetic from them.

But they send me a letter ask me to pay the bill, and I called them to tell them I did not receive the cosmestic, and I do not want to the cosmetics anymore. They said ok, I do not have to worry about it, they cancelled it. But they sell keeps on called me and sending me letters and penalized me for XXXX. I called them so many times, but still they did not do any investigation. And gave me bad score on my credit score. I am very upset about them.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
A couple of months ago, I asked Discover card to raise my credit limit. Discover card Associates kept making excuses why they couldnt raise my credit limit also they were telling me that I have serious delinquencys on my credit. One of the associates that I spoke to told me that my credit score was XXXX. So I dont know where he got that from. They said they have there own credit bureau. Thats how they judge you on your credit score not the three bureaus XXXX, XXXX, and XXXX. I spoke to several people about getting the credit raise but they would not raise the credit limit. So I reached out to the executive office XXXX. He had an executive lady from his office reach out to me and she told me that they was not gon na do it and never really gave a decent or intelligent answer on why. So I asked to speak to someone else about the situation in the executive office they wrote me a letter by email stating the same thing. So never did get any  resolution to this problem. Then three days ago, I received an email stating that they were going to close my account in 30 days from the date of this email also they were going to lower my credit limit. So once again, I reached out to the executive office XXXX. To get this problem resolved. XXXX had this lady call me. As soon as I started talking with this lady she was very rude and Disrespectful. So while we were talking she started telling me that yeah we did an investigation on you and matter fact we did another one on you just lately. I said well what was the investigation about. So as I proceeded to started Talking about this subject. All of a sudden she says is there anything else that I can help you with. I told her I wasnt even done with the conversation. So no theres nothing else you can help me with. She stated you have some serious delinquencys. I said I look at my credit report daily what are you talking about. Then she stated, you havent did any Activity on  your credit card in six months.

( Within the last six months we have been in COVID 19 ) This is  almost like a situation with a landlord and a tenant. The tenant is not able to pay at this moment ( Due to pandemic ) and the landlord Gives the tenant eviction notice out of Spite. 

I Told her most credit Card company dont closed your account within 6 months. For no activity. 
I spoke to another associate before I spoke with her. He told me that it had to be no activity in 10 months. I ask the CEO ( XXXX ) of  Company will they send me the disclosures that I sign at the time. About the 6 months inactivity will terminate your account. Also, the serious deficiencies that they see in their own credit bureau. I would like The consumer Financial bureau to investigate what type of Credit bureau is discover going by. Because they have stated several times that they do not go by XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ

Complaint narrative:
After a XXXX in diagnosis XX/XX/2020 and XXXX there are many bills to pay not just our mortgage. Carrington Mortgage is not helpful at all. Even though I let them know this at the beginning of our situation. They require thousands of dollars to get current and right now we can do payments but they are not willing to work with us to accomplish that. There is money being held in suspense and we just mailed additional money XX/XX/2020. They informed me today that if that money is received they probably will not accept it, that is just down right XXXX. We have spoken to them on several occasions some of the representatives are friendly and caring and want to help and some are downright rude. Telling us our home is in foreclosure, when it really is not ( yet ). We have no where to go to borrow money and no real resources at this point. What to do? We are scared.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Self Financial Inc.
State: OK

Complaint narrative:
I have my account set up on auto draft, and they have been taking my payment out every month, but for some reason auto pay was taking off in the system and it cause it to be 30 days late and i wasn't notified at all whats so ever. Which caused my credit score to drop 50 points, causeing me to be in a real financial bind. I'm in a process of starting a business, but because of that one late payment its going to be rough. I've made 9 on time payments with this company

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  and Equifax continue to report negative fradulent information on my credit report. They are in violation of the FCRA

Company response to consumer: Closed with explanation