vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Starting over two years ago I have been getting credit offers to a person that does not live at my address. I have no idea who XXXX XXXX XXXX is but if he exists he has never lived here. 

By returning the mail to the post office most of the many companies have stopped sending offers. However Capital One has proven impossible to solve. I have called them 5 times now with promises the offers will stop and they have not. 

I have also submitted a complaint to the XXXX and they responded and said they would stop delivering the unwanted bogus mail. Of course that was useless as well. 

I would love to opt out of credit offers but that requires a social security number which of course I do not have. 

I have no idea why Capital One would want to waste $ $ $ sending offers endlessly to a non existent person that has not responded. In a delightful twist I was denied a Capital One credit card because they could not validate my identity. I have an XXXX credit score.

I guess they only want to deal with fake people and pre-approve them no less. 

My guess is that there is a XXXX XXXX XXXX and they live in XXXX XXXX, Georgia and not XXXX, Georgia. My address is " corrected '' by the XXXX heavily and an inadvertent correction may have started this unsolvable mess. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
They had made Two Frauds Transaction in my Td bank account, when I called Td bank to disputes all the transactions, after 7 days I called them and they said that they have nothing to do with it because those transactions were made properly. 
( 1 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl ( 2 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl. Td bank knows exactly what's going on with my account. They give away people info so they could have Fraud going on. I don't know anything about Those Two Transactions. I want them to reimburse all my money back to my account. Thank You

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I opened a BB & T checking account on XX/XX/2018 under a promotion as outlined below : Within 75 days of account opening you will receive the {$150.00} incentive if 1 of the following is completed : - Enroll in and receive two direct deposits of {$100.00} or more OR - Use U by BB & T bill pay to initiate three online payments of {$25.00} or more I did 3 billpays ( each for {$26.00} ) on XX/XX/2018 which fulfilled this requirement. 

In the following 4 months I repeatedly contacted BB & T bank through secured messages online and was repeatedly sent canned responses that delays the opening bonus. 

Their response stated that " Your account will be reviewed between 75 and 120 days '' and " The {$150.00} incentive will be paid within four weeks of qualifiers being met. ". 

It has been 129 days since I met the requirement and they are not responding to my messages anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: PA

Complaint narrative:
I was trying to get a pre approval for mortgage and when my credit report was run, it showed that I had a late payment at XXXX XXXX, even though underneath that information was the monthly payment calendar showing I made each payment. This caused me to not be able to be pre approved. I have been rebuilding my credit and in fact, have been paying XXXX XXXX early. I sent the paperwork they told me to dispute this and have heard nothing. The only issue I had with XXXX XXXX ever was a direct debit issue with my Credit Union last year that was resolved. I need them to remove that late payment blemish on my Experian credit report ASAP. I filed a claim with Experian also and have not heard back. This is criminal that a credit card company can miss report something and it affects my ability to get a mortgage and miss out on a great opportunity of a home I was interested in. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX PA XXXX XXXX XXXX XXXX last four digits  XXXX Thank you

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 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I have been xperiencing outages with Bluebird.com since XX/XX/2018. Customers are unable to take out cash, access their paychecks or other direct deposit funds, access other funds weve attempted to load, make purchases, or get accurate balance information. Again, in XX/XX/2018 these outages have been ongoing for more than 6 days. Customer service reps have been difficult to reach or non-responsive. Tomorrow is XXXX and I am unable to check my account balance for my direct deposit nor make any transfers due to the outage which persists on their website and mobile app. When logging the page just continues to load then returns an error. I realized Im not the only customer experiencing this problem after checking XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: CO

Complaint narrative:
I received a cal from a weinberg and associates lawyers office. They told me that I had until XXXX XXXX that day to pay them an amount of XXXX dollars or they would prosecute me with a several felonies and a warrant for my arrest would be issued that day. She also said that I signed documents saying that they could do this to me. I got scared and I paid the money. the first person I received the call from was in Georgia while the company that charged me was in Florida. This made me suspicious of the company so I called the original company who I received the loan from and they told me that they were unfamiliar with this company and the agreement I signed said nothing that about prosecuting me legally with felonies. He told me it would be just a small claims court and that is what they contract out to their third parties. I was afraid because this company told me that they had papers drawn up and were sending them to XXXX XXXX   County court where I live to prosecute me for Check fraud. I still haven't called the third parties that the original debtor told me was handling my debts but this company collected XXXX from me with a scare tactic, and from what the original debtor told me that was illegal. The companies that the original debtor said is handling my cases were XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XXXX of XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, Transunion, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and Transunion failed to resolve the issue. When I contacted XXXX  and Transunion, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX and Transunion regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX and Transunion. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.

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 2018-11-21 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had an account with Navient ( at the time it was called Sallie Mae ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. Navient began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be  published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, Navient has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and XXXX failed to resolve the issue. When I contacted XXXX and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking Navient if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX  and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX  and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX sent me a bill XX/XX/2018with payment due date XX/XX/18when I went to make my payment online it showed XXXX balance XX/XX/18 and I triend again XX/XX/18. I get a notice in the mailXX/XX/18 datedXX/XX/18 from Creditors collection services on behalf of XXXX XXXX XXXX. I am looking for record of first payment I already made, but I wasnt given the opportunity to even pay by the last statement due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been Paying Capital One the # {$3500.00} I owed. To date I have paid {$3400.00} But has tow situations happen : ( 1 ) my XXXX daughter hospitalized ; and ( 2 ) I was hospitalized for XXXX. I am a XXXX and these XXXX  ( 2 ) were quite serious.

I wound up having to have XXXX  to correct this problem.

In addition, I was denied XXXX XXXX to pay off the debt because of an impending strike with my employer. I received a letter of garnishment from my employer on or about XX/XX/2018, ( a month before my indebtedness ended ), XXXX XXXX University 's Payroll office. The attorney 's who filed XXXX XXXX XXXX XXXX XXXX for Capital One. Attached to this letter from the attorney 's for Capital One was a form for me to complete to ask for a court hearing, to dispute the situation. I filed with XXXX Municipal Court Civil Complaint to dispute the claim and received a court date of XX/XX/2018, since I had just given a payment. I showed up, but they did not. The magistrate ( judge ) told me that I should keep up with the case, since there was nothing she could do. I did. I went to XXXX XXXX XXXX, who I was making my payments through to call the attorney 's as suggested by the judge.

My credit counselor and I waited on a telephone line for almost an hour for someone to pick up and discuss this with us. We never heard from them. I only had an hour appointment. The credit counselor said she would call me if she got a call back. She did not get a call back, so she did not call me.

At XXXX XXXX on XX/XX/2018, in the mail, I received a letter and affidavit saying that they had filed to the court in writing. I called the XXXX   Municipal Court and was told, I could re-file an dispute claim, once took a payment was taken from my check. However, there was nothing the court could do until this happened.

Then, I called the payroll office to see how much money would be taken. I found out it would be 25 % or {$1400.00} from check, which will leave me without enough to pay bills. I am paid once a month. I am concerned, because the numbers of indebtedness is adding up along with court costs.

XXXX State University payroll office says I them {$1600.00}, XXXX XXXX has chronicled payments of {$3400.00}, and Capital One had added another {$1300.00}, plus court costs. I should only owe may {$200.00} or whatever is equal to {$3500.00} not an additional {$1600.00}, and court costs.

I received countless letter for XXXX XXXX XXXX  even when I made timely payments, despite problems I had in the summer of XX/XX/2018-explained above.

I asking that the garnishment be dropped beforeXX/XX/2018 before XXXX XXXX  and I be allowed to pay the balance through XXXX XXXX XXXX I will make the payment on XX/XX/2018. We all have life a crises, but I have tried to make this up and XXXX XXXX XXXX have paid additional money with credits I have had with them to keep me up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Debt Collector repeated call to my number and parents telephone number. Also, paid past due amount and debt collector attempted to get me to pay more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have reached out to XXXX XXXX on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX and XXXX. XXXX removed it per my request and demand, however XXXX  won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, Capital One and then again by the collection agency, XXXX XXXX. XXXX XXXX fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

A copy of my photo ID has been attached.

I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi, My problem is with Walmart/Synchrony Store Credit  Card. 
I was promised a {$25.00} statement credit for signup. That never happened after signed up. Thats problem # 1. 

Now the credit are repeatedly assessing $ 50+ late fee every month after payments above minimum required was shown in online statement. Also, automatic payment was also setup to automatically make payments. 

The fraud of this store card is that its limited to {$100.00} credit limit. Yet they were creative in popping my balance with fees to above {$100.00} limit. 

I spoke with a manager over the phone and she's seems unwilling to help or even acknowledge the erroneous fees with a " XXXX u '' attitude over the phone. I ask them to freeze all activity while investigating it. Yet they refused and then ruin my credit report score after the phone call. This store card unit is very vicious and fraudulent. 

I respectfully seek the help of the CSFB to rectify all the problems here. 
# 1. Remove all the erroneous late fees and continued fees after call to manager. 
# 2. Remove all negative erroneous entries on my credit report after call to manager. 
# 3. Assess heavy regulatory fines on to this organization that creatively make financial problems for consumers.

# 4. Where is my statement credit for signup.

# 5. Close this card that still continue to negative financial things after talking to manager to cease and desist all these activities. 


In relative context, I have other credit cards that have limits much higher than this {$100.00} store card ( Walmart/Synchrony ). This organization 's store card is problem pit and should be fined heavily and removed from consumer markets. They got my attention and I am putting effort in fix it and tell consumers not to patronize this.

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 2018-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Two loans 1- subsidised 1- unsubsidised Navient consolidated loans without my permission - verbal or written Since XX/XX/2010 all payments paying interest only!!! Four years of first double payments, then single payments paying consolidated loans without my permission. Contacted Navient many times. No resolution. I see online that thousands of complaints filed and several lawsuits class action underway. 

This is a nightmare!

Company response to consumer: Closed with explanation