vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Dear Sirs. I return on my claim No. XXXX against the company Capital One, which has not given a satisfactory response to my request. 
As a reminder, they blocked my access to my online account and my credit cards, without prior notice. The excuse was that I had to verify my identity ( I have been a customer for 18 years ). 
After my complaint, I have been contacted by an official from Capital One ( Mr. XXXX - Ph XXXX XXXX XXXX XXXX - Ext. XXXX ), who kindly tried to give me a solution to the problem, but to date, he has not been able to. 
I detail the steps I did at Mr. XXXX 's direction, from Capital One : 1 - He sent me an email with the option to send a photo of my passport. ( See screenshot photo No. 1 ). After doing the procedure indicated by the system, I took the passport photo and clicked on the send option. This option did not work in at least 10 or 12 attempts ( see photo of screenshot No. 2 and No. 4, marked in red indicating that a system problem could not be performed ).

2 - Given this problem and after talking with XXXX several times, I tried to send a copy of the passport by fax, as indicated by the Capital One system ( See photo of screenshot No. 3 ). After doing so, he informs me that Capital One does not accept sending by fax, contradicting what they sent me as an alternative (?????? ).

3 - Given this, I continued to insist on the original delivery system, taking the passport photo and sending it, which in the end, I did on Saturday XX/XX/XXXX, after several attempts. ( See photo of screenshot No. 5 ).

4 - After that, it is assumed that the system would be enabled, which did not happen. Given this, I proceeded to call him twice to the agent of Capital One ( Mr. XXXX ), who did not answer me, so I had to leave messages in his mail box. I received no response I require the immediate unlocking of my online account and my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
ALL DOCUMENTS ATTACHED. 

TRIED TO FAX COMPLAINT TO YOU XX/XX/2020 WITH NO SUCCESS ON YOUR END. 

91 PAGES OF SUPPORTING DOCUMENTS COMING YOUR WAY. 

COMPLAINT IS TO : Wilmington Trust , XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}

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 2020-04-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
Good afternoon, HSBC has mishandled my accounts in multiple ways : from telling me to fill out an application to open up a savings account ( after I had already opened up a checking account ) to suspending my mobile and online banking after depositing a government check. I and HSBC tellers have had to wait on hold often times from 20-30 minutes. I called once trying to rectify the concern and had to hang up because I had been going from department to department without resolution and my lunch time was over. 

I have had to send in documentation, I have been in front of tellers and provided documentation and there is no way that this bank should be allowed to restrict access to funds for over 2 months after being provided with i.d., social security number and other information. 

The concerns were supposed to be rectified from prior complaints ( they were not XXXX & XXXX ). This issue began in the latter part of XXXX/first part of XXXX. I was assured that the matter of being able to access my account/my funds was handled : it is not. I sent an email and called on XX/XX/XXXX. It is XX/XX/XXXX : there has been no response and I do not have access to the money. I did take most of the money out when I visited the bank. However, I want the remainder of my funds. 

I called today and had to leave a message like before. 

Please assist me in retrieving my funds, closing the account, investigating HSBC practices and holding the employees responsible accountable ( up to and including termination ). 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uplift, Inc
State: VA

Complaint narrative:
I refinanced my trip through Uplift / XXXX XXXX to speak at a university in XXXX, California on XXXX XX/XX/XXXX, but due to the coronavirus crisis the speaking engagement was cancelled. The total trip, including the travel protection cost was {$1500.00}. XXXX XXXX only refunded Uplift {$1400.00} ( minus the {$100.00} travel protection ). {$1500.00} - {$100.00} + {$1400.00} Since XXXX XXXX won't refund Uplift the {$100.00}, Uplift won't refund me the full {$310.00} amount I've already paid towards the loan using my MasterCard. I paid {$150.00} on XXXX XX/XX/XXXX and {$150.00} on XXXX XX/XX/XXXX. Even though the trip was cancelled, I made payments towards the loan so it wouldn't default and reflect poorly on my credit history. I paid a total of {$300.00} on my MasterCard. I thought I was going to get a full refund of {$300.00}. Because it took XXXX XXXX over 30 days to refund Uplift, the loan incurred a finance charge of {$210.00} which Uplift expects me to pay. 

Uplift is only refunding my MasterCard {$110.00} even though I paid {$300.00}. 

Uplift Loan ID XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: OR

Complaint narrative:
I spoke to a representativewith and expressed to them that I was XXXX  at the time that the account was opened and placed on my credit report. I told them that t a lot of my belongings were lost in the process including my social security card. They advised that I would need to speak to a representativewith XXXX  I called them and they stated that they place the account in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CITIBANK, N.A.
State: TX

Complaint narrative:
The company has reported a late pay on my credit report which inaccurate. I have never paid late mainly because I pay off entire balance on or before due date. I have asked for proof of a late payment and the company 's representatives have failed to show any proof. This is a clear violation of the 15 USC 1692 and 15 USC 1681. This inaccurate reporting is injuring me financially and has caused me to get outside counseling.

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 2020-04-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: ND

Complaint narrative:
MADE ORDER ON XX/XX/2020 - 2 CHARGES, ONE FOR {$6.00} AND ONE FOR {$6.00}. ON XX/XX/2020, I EMAILED THE MERCHANT AND CANCELLED THE PURCHASE, CANCELLATION # XXXX RESPONDED BY TELLING ME MY ACCOUNT WAS CLOSED AND I WOULD NO LONGER RECEIVED ANYTHING NOR WOULD I BE BILLED ANY FURTHER, THEN ON XXXX XXXX NOTICED AN UNAUTHORIZED CHARGE IN THE AMOUNT OF {$91.00} CALLED CAPITAL ONE IMMEDIATELY TO DISPUTE. XX/XX/2020 - NOTCIED ANOTHER CHARGE FROM SAME MERCHANT IN THE AMOUNT OF {$91.00}, CALLED CAPITAL ONE AND DISPUTED CHARGES. XX/XX/2020, AFTER HEARING VIA EMAIL FROM CAPITAL ONE THAT MY DISPUTES WERE BOTH DENIED I CALLED ON XX/XX/2020 AND THE REP I TALKED TO SAID THAT SHE WAS GOING TO MOVE MY CASE TO ESCULATION, I WAITED AND NEVER HEARD BACK FROM ANYONE WITH CAPITAL ONE, SO I CALLED AGAIN ON XX/XX/2020 AND TALKED TO XXXX WHO PUT ME ON HOLD TO TALK WITH HER SUPERVISOR AND CAME BACK TO TELL ME THAT MY CASE WAS NEVER ORGINALLY PUT INTO ESCULATION AND THAT SHE WOULD BE DOING THIS THAT DAY. THE SUPERVISER SHE TALKED TO HOWEVER TOLD HER THAT THE PAPERWORK THE MERCHANT SENT THEM SHOWED THAT I NEVER CANCELLED THE ORDER UNTIL XX/XX/2020 WHICH IS NOT TRUE. THE PAPERWORK I HAVE SHOWS THAT I CANCELLED ON XX/XX/2020. THE PAPERWORK WAS DATED XX/XX/2020 AND I THINK THIS IS WHY THEY ARE TRYING TO SAY THAT I NEVER CANCELLED UNTIL XX/XX/2020 WHICH IS AN UNTRUE STATEMNT. 
CAPITAL ONE HAS DENIED MY DISPUTE AGAIN ON XX/XX/2020 THEY STATED THAT THEY DID NOT FIND ANY ERRORS. I FIND THAT HARD TO BELIEVE BECAUSE IN THE PAPERWORK I HAVE ON PAGE 3 IT SHOWS THAT I CANCELLED ON XX/XX/2020 AND THE MERCHANT STATED I WOULD NOT BE BILLED ANYTHING FURTHER. IT CLEARLY SHOWS THAT I WAS BILLED AGAIN TWICE AFTER THEY ALREADY AGREED NOT TO BILL ME FURTHER. CAPITAL ONE IS STILL DENYING MY DISPUTE. 
THE CLAIM NUMBER FOR EACH IS AS FOLLOWS : XXXX {$85.00} AND THE OTHER ONE IS CLAIM # XXXX {$91.00}. THE ONLY CHARGE I SHOULD HAVE BEEN CHARGED BY THIS COMPANY ARE THE 2 I AGREED TO 1 FOR XXXX AND THE OTHER WAS FOR XXXX ON XX/XX/2020 ALL OTHER CHARGES WERE NOT AUTHORIZED BY ME AND I HAVE TOLD THIS TO CAPITAL ONE. 
IM VERY FRUSTRATED AT THIS POINT BECAUSE THIS IS XXXX TAKEN FROM ME AND DURING THIS PANDEMIC THIS IS MONEY THAT I NEED TO LIVE OFF OF AND CAPITAL ONE WILL NOT CARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased furniture from Macy 's. The product arrived so damaged that I could not return in the packaging that was provided. I offered them the opportunity to refund half of the purchase and I would keep the furniture and they would not have to pick it up. 

Since COVID19, they closed all customer service including their credit card servicing department. I filed a dispute and have heard nothing.

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 2020-04-20 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-04-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

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 2020-04-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Re : Verification dispute of XXXX XXXX XXXX XXXX/XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute Equifaxs claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but Equifax has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert Equifax that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines Equifax has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by Equifax. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( Equifax ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( Equifax ) may not report outdated negative information I may seek damages from CRAs ( Equifax ) and credit reporting data furnishers ( XXXX  ) for FCRA violations I contend that Equifax did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of Equifax being understaffed due to Covid-19. This is evident by Equifaxs drastic cutting of phone support ; however this does not preclude Equifax from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX / XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of Equifax being in violation of the FCRA. I strongly urge Equifax to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for Equifax to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I requested payment assistance from my mortgage, loan depot, but they only offered a 3 month forebearance. The problem with a forebearance is that payment is due in lump sum at the end of the forebearance period. This present a difficult situation for me. I have requested deferral from the company but they claim to not be able to offer it at this point. Please help me secure a deferral solution to my mortgage for more than 3 months. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-04-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian should not be reporting a collection/chargeoff in the amount of {$780.00} on the XXXX XXXX. partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and is reporting in error. I have never had an account with XXXX and I never gave permission for an account to be opened with XXXX. I have tried to contact the bank as well as the bureau to have this line item removed however, I have not been successful. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score. Please remove this line item.

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 2020-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have an american express bluebird prepaid card that I have part of my paycheck deposited and use for ordering specifically online. I have called repeatedly since Saturday XX/XX/2020 regarding an unauthorized charge of {$45.00} Transaction ID XXXX - " store purchase XXXX New Mem # XXXX XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX 
I didn't make this charge. i have an existing membership with XXXX 's that is not due until end of the summer and my fee is {$100.00} for the plus account. THIS WAS NOT MADE BY ME AND I WANT MY MONEY BACK, PLEASE!! 
when you call the XXXX it immediately disconnects after this announcement OR it will tell you to hold to be transferred then says " you have reached a non working number '' then disconnects. I called the NY office and was advised by the receptionist that there was a long hold for the customer service number they had been having trouble. i told her it wasnt a long hold time, it just disconnected, she advised there was no one to speak to or a working number. I need my account fixed. I am afraid to go online and cancel the card due to i want my refund for the {$45.00} purchase that i didn't make. can you help me? XXXX XXXX

Company response to consumer: Closed with explanation