vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I sent an email to the CEO of Capital One - XXXX XXXX inquiring about how Capital One solicited constant emails, voicemails, advertisements surrounding the coronavirus pandemic, and that they were there to support me and assist me during these extenuating circumstances - which I have to disagree. 

Over the course five months I contacted Capital One Auto Finance on several occasions between XX/XX/XXXX through XX/XX/XXXX with regards to my financial situation surrounding the covid pandemic and had requested an extension on the loan and was denied each time. During the course of one of my calls I was told I could get a covid extension by applying online - which gave me hope - and I even had a representative walk me through how to do this - however, I never had the option pop up in my online portal with Capital One. 

I expressed to the CEO that due to the loss of my job - which was directly related to the coronavirus pandemic - I had financial difficulty making my monthly payments and had tried calling in for being considered an extension on my auto loan. After losing my employment I had to wait for unemployment which also took more time than expected due to the high unemployment rates in correlation to the coronavirus pandemic. During this time of being unemployed and waiting for unemployment to kick in I was reported late to all three major credit bureaus for the months of XXXX, XXXX, and XXXX of XXXX. 

In conclusion - due to a direct result of being impacted by the covid-19 situation financially with being laid off, having to collect unemployment, I reached out to the CEO of Capital One to be considered for a goodwill gesture in relation to being reported 30 days past due for XXXX, XXXX, and XXXX of XXXX and asked if they would kindly remove those negative remarks. 

I have friends and family that had received extensions on their auto loans with no issue and some of those loans were relatively new and in this case I feel as though I am being discriminated against. There was no reason as to why Capital One could not have granted me at least one month to say the least. They constantly were reminding me they were " there '' for me - but every time I would seek assistance I was denied. I feel that this was deceptive behavior and was given " false hope '' during one of the biggest pandemics as a nation we have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
The following companies have unauthorized credit inquiries on my report : Ally Financial inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Comenity Capital Forever 21. The Account Opened is Comenity Capital Forever 21 Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

BANK OF AMERICA - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CO

Complaint narrative:
2 charges on XXXX for {$110.00}, XXXX XXXX This was an airport lounge service. We wondered what was included, so the staff offered to walk us through and point out the amenities. They claimed they needed a credit card on file for insurance reasons. We walked through, were not impressed at all with the lounge, and decided not to buy a day pass. I signed a document stating that we would not use the lounge and would not be charged. I have been charged by Chase TWICE for it. I have called in, emailed, or sent in documentation weekly since that time, proving that I wouldn't be charged and showing that the signed paper that the merchant showed was not my signature. It has been 3 months now and no credit from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank client since XXXX, first abroad and then in USA. 
I currently have 3 accounts ( 2 savings, 1 checking ). 
Since XX/XX/XXXX, the online access of my accounts has been constantly blocked by Citibank, for reasons nobody can really explain. 
I have contacted my Executives ( Mr. XXXX, Mrs. XXXX ) many times, and still the problem returns. 
I am a hard worker person ; I travel, I need my accounts to work. 
This has caused me many problems : -Damage of my credit and reputation, because I have been late on payments due the lack of access to my accounts. 
-XXXX  and XXXX. 
-Waste of my time and money ( late fees paid ). 

I have answered ALL the questions the bank has asked me. They say all is my fine, and still, Citibank blocks my accounts ; and then every time, I must go through a long process : phone calls, change of IDs, passwords. 
At the moment I type this, one of my accounts has been blocked ( not online access ) for over a week. 
Who is responsible for the all above damage?

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 2021-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On my Experian credit report, it shows XXXX as the merchant with no telephone number. I reported it fraud to XXXX  and XXXX  which they removed it promptly, but Experian won't. I have no idea who XXXX  is nor do I have any means to contact them. Bottom line, it is a fraudulent account and I demand it to be removed. 

On my Experian credit report, it shows XXXX XXXX that is in a charge off status. I reported it as fraudulent to all three credit bureaus which XXXX  and XXXX  removed it, but Experian did not. I have no idea who's account this is and I demand it to be removed.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I reside in Pennsylvania, and the Department of unemployment compensation sent me a US Bank Relia Card. My Pandemic unemployment Assistance ( PUA ) unemployment compensation payments has been deposited to US Bank Reli card. I went to make a withdrawal at XXXX XXXX, and I am also a customer with XXXXXXXX XXXX and an account holder. I tried to make a withdrawal and each time the XXXX XXXX  would want to charge me a fee of {$3.00} cents per withdrawal. I also tried to to transfer my PUA payments to my primary checking or saving accounts without much success each time more than three times.

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 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
The company shared a pre-approval offer for a loan without stating the principal amount. They provided a monthly payment amount thereby leaving the principal and APR to be free floating. This is a deceptive trading practice. The monthly payment is a function of 3 factors : 1. Principal 2. Interest Rate 3. Loan Term Any attempt to hide any of this three factors is a deceptive practice designed to mislead on the cost of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: DC

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a online purchase with XXXX  and upon submitting my payment information I grew suspicious after the merchant failed to submit proof of the transaction. I immediately requested a cancelation of the order but received no reply after calling and emailing the website. I then contacted Chime customer support to cancel the transaction but was told that the transaction couldn't be canceled while it was pending. After a couple of days the transaction went through and the money was deducted from my account. I then received a transaction summary from the merchant. A few days later I received a delivery notice from the merchant stating the order had been delivered. 

The purchase was for two XXXX XXXX XXXX guitar cases priced at {$90.00} each totaling {$180.00}. The transaction summary I received listed only one item in the order. The delivery notice from XXXX listed a tracking number that says 1 of 4 items was delivered at the front desk. I live in a house. There is no front desk. None of the paperwork sent to me is correct. Chime dispute investigators, however, believe the paper work to be legitimate and haver determined that because a tracking number exist the order is correct and my dispute has been denied. Twice. Every customer support representative that I talked to said that they understood the situation and that there shouldn't be any reason that I wouldn't have my money refunded top me. Chime dispute investigations department denied the claim after it was escalated by there representative whom I talked to after my claim was denied the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX, XXXX I called Bank of American to inquire on the status of my Maryland Unemployment card that I was informed by Maryland Unemployment was send the earlier part on XX/XX/XXXX. After being ask several security questions I didnt know the answer to I was transferred several times to finally reach a very helpful lady in Bank of America fraud department. After spending 5 hours on the phone with her we discovered that my card was sent and received by someone other then myself. The card had been used numerous times between XX/XX/XXXX and XX/XX/XXXX around {$16000.00} if purchase. The card was immediately closed. I was instructed to contact the police files and report then contact the claim department to file a claim in order to have the money put back into my account. Which I provided BOA all of the documentation such as police report, proof of identity etc ... .I then had to contact Maryland to have a new card issued and sent to me. All of this was done the very next morning XXXX XXXX, XXXX. Not even 1 week later I received a letter stating the my claim was denied and closed. The letter was dated XX/XX/XXXX. Two days after filing the claims. I immediately called Bank of America to file an appeal also files an appeal in writing. I called every week to check to status. On or around XX/XX/XXXX I spoke with a BOA representative and was told the a provisional credit was scheduled or be placed in my account that it should be posted within the next 24-48 hours. Then on XX/XX/XXXX my card was closed. Apparently I had been flagged for fraud yet again. After several months of getting the runaround Bank of American would tell me to call Maryland UI and Maryland would tell me to call BOA. Finally after 2 months on XX/XX/XXXX my debit card was reopened. On XX/XX/XXXX I called to inquire about my claim since my card was open again when I was told because the card was closed I would have to start the claim all over again. Once again I called about every 3 days to check the status. On XX/XX/XXXX when I called I was told the my claim was yet again closed!! But not was it closed and denying on the 15 but it was closed and decided on XX/XX/XXXX also. Now once again my claim has been escalated. I have called every day since XX/XX/XXXX to check the escalated status and Im told each time that no escalation was submitted but they will submit it right then. PLEASE HELP!!

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 2021-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Portfolio Recovery has been made known since XXXX of XXXX that any correspondence regarding " debt '' for myself needs to be sent to me via mail and to stop calling my phone. They have since then continued to harass me via telephone. I can provide screenshots of the calls. The final straw was a call just now at XXXX. I have also reported the harassment to XXXX in my debt verification letters. The harrassing calls and dates are as follows : XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have 2 separate XXXX loans both subsidized and serviced through Navient. When I log into my account and look at details of these loans they both state that interest rates are 6.55 % yet it states interest rates are set by Congress and per the CARES act federal loans are 0 %. They claim the reason I am being charged interest is because they do not fall under CARES, however, why does it say the interest is set by Congress and does congress not have rates set to 0 % until XXXX this year? They have not been able to answer these questions. These 2 loans are close to being paid but with the interest I will still be paying until at least XX/XX/2022. I believe they owe me interest on these loans which would help decrease my balance. The way they do their loans in general makes it impossible for people to pay. I have loans where I am paying twice the original amount and they will not work with me at all. I just discovered too late that I could've refinanced those loans into a direct loan to qualify for loan forgiveness as I am a public service worker, yet they never let me know this was an option or that I would not qualify unless I refinanced. I've been making payments under the assumption this would all count towards forgiveness and feel misled and that they are being fraudulent. They do not even make monthly statements readily accessible electronically or through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2021-02-19 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: DISCOVER BANK
State: CA

Complaint narrative:
The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER FIN SVCS XXXX - Acct # XXXX Amt {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX Amt {$11000.00} Opened XX/XX/XXXX DISCOVER BANK- Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX -Acct # XXXX Amt {$6200.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX BARCLAYS BANK DELAWARE - Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX - Acct # XXXX XXXX {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The following companies have unauthorized credit inquiries on my report : XXXX XXXX inquired on XX/XX/2021 XXXX XXXX # XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello, thank you for looking a my complaint. XXXX and TransUnion done had over 60days to respond to my UNAUTHORIZED hard inquiries on my profile. Ive send them two certified mail letters twice with no response. I just want them to remove the XXXX XXXX inquiry off my profile

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