vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one has flagged my account and put it in some sort of category where i have a low credit line and i make a really high income also have investment. 
i have a low credit line of {$900.00} there was a dispute done before for an inquiry they said i made a dispute with my car i owned at the time that i never missed a payment. 
the credit card was supplely disputed never made a late payment as well. i recently applied for a card with capital one and got a line for {$500.00} this is unfair as a customer. i never disputed any of my accounts directly with capital one. the ones that did this was XXXX tarnishing my name and making me look bad. i will take legal action against XXXX  soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
At this point my FCRA rights have already been violated. I noticed CAP ONE AUTO had a discrepancy in the " payment history '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX  and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Also this account is reporting as a collection/charge off which means it shouldn't have any payment history or past due balance ( {$15000.00} ) reflecting. This is a violation! If this is the same account, reported by the same creditor how are these numbers and dates different? Because of this apparent neglect in ensuring everything on my report is accurate consistent and up to date please " DELETE '' this item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My monthly payment is due on the XX/XX/XXXX of each month. I sold my vehicle to XXXX on XX/XX/2020. Capital One Auto Finance sent message vehicle was paid in full XX/XX/2020 and title will be released. They reported my payment as 90days past due even though account was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
i submitted disputes with Equifax and they are either not carrying out the investigation or not sending me the results i submitted a 3 dispute with the CFPB on XX/XX/2020 its XXXX/XXXX/2020 still no results the responded through the CFPB website saying they are carrying out and investigation still no response it has exceeded the 30 days required by law if you look in your system it has exceeded the 30 days required since i submitted through you the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: TX

Complaint narrative:
My previous complaint : XXXX SUBMITTED ON XXXX/XXXX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding XXXX XXXX as current creditor, but from a different company. Credit Control LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XXXX/XXXX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, 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 2020-12-25 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: CA

Complaint narrative:
I sent a letter to get a collection removed And transunion has done this before. 

And they removed the collection but then put it back on later on and I have to keep sending letters. 

So this time around they took it off and my credit score has not gone up as a result of it. 
I had 1 derogatory mark. Now I have 0 and my credit score did not go up.

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 2020-12-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank is in violation of the credit card act of 2009. 

While checking my recent statements within the last 2 months I noticed I've been having a higher interest rat set at 29.99 % APR and another line item for 15.24 % The interest rate was the same in XXXX and XXXX statements. In XXXX I applied for COVID-19 waiver and continued to make payments on time. In XXXX it showed a separate line item of 29.99 % APR. I received no notice of the increase. When I contacted Citi, they advised me that this was due to a returned payment that triggered a penalty APR of 29.99 %. I have paid off the full balance in XXXX but still have a 29.99 % APR and I have never missed a payment. This is a predatory tactic that banks are using to take advantage of people that were affected by the financial impact from COVID-19 especially among Veterans that have served this country.

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 2020-12-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have never had any business with PNC Bank. I received notices that at least 3 new accounts were opened in my name. The customer service telephone numbers provided to report fraud were worthless because hold times were interminable. Finally, I visited a local PNC branch and the manager was somewhat helpful in reporting the fraud. 

I requested information about what private information of mine PNC had fraudulently obtained and presumably still had archived. In response, all I received was a bunch of perfunctory account closing reports with condescending correspondence about how PNC was pleased to help me solve MY problem. 

I had no problem! PNC had a problem in that they had established policies that made it easy for perpetrators to open fraudulent accounts even though it would be easy to institute anti-fraud safeguards. Instead, they opt for expediency, presumably to facilitate higher profits. This creates innocent victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My previous complaint : XXXX SUBMITTED ON XX/XX/2020 PRODUCT Debt collection ISSUE Written notification about debt. 

I have received another letter regarding LVNV Funding as current creditor, but from a different company. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. 

The letter is dated XX/XX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt.

2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease.

5 ) Finally, I would appreciate a direct response to my request and complaint. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: PA

Complaint narrative:
On XXXX XXXX, 2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
Signed up for services, enrolled in autopay the following month. Auto pay was set by rep and was set after due date. I called them several times to confirm no fees were accruing and they assured me that there was nit. Upon the end of the loan term I learned I was being billed monthly for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 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:
I was a victim of identity theft. Equifax not only refuses to remove the accounts from my credit file, now they are pushing the dates of delinquency back so it appears on my report for longer than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I was logged out of my Coinbase Pro account on the app on my phone. When I attempted to login I was prompted to input a code from an authenticator application. I dont recall setting up any Coinbase credentials on any authenticator app or if I did its no longer available on any of my apps. I submitted a ticket so the Coinbases support team to assist with resetting my authentication method. Upon receiving my ticket, the Coinbase specialist disabled both New York Coinbase and Coinbase Pro accounts, logging me out and locking me out of one account that I had no issue accessing and locking me out of the account I needed assistance with the authenticator.

After submitting the information requested by Coinbases specialist the specialist promptly restored my accounts however did not assist with my authentication issue. After I sent a follow up email to the specialist, the specialist immediately disabled my account again and stopped all further communications and work on my ticket. The specialist also refused to close the ticket so another specialist could be assigned to a new ticket. Both my accounts have been disabled for over six days and I have not received any communications from the specialist or any one else working on my issue in over 72 hours. Coinbase support team represented multiple times that my account issue would be resolved in 4-5 days, however its been over six days and I havent even received an update. After searching a few minutes on the public Coinbase help page I found the solution to my original problem described in my ticket. I sent the details and a link to the page to the support analyst who ignored my email despite providing the solution and continued to hold my account and funds XXXX by refusing to restore the account. 

As of today, XX/XX/2020, Coinbase has illegally been withholding access to my accounts for over six days without any justification especially with respect to their decision to restore and then subsequently disable after following up requesting assistance with the reason I submitted a ticket. My accounts total in excess of {$54000.00}. Coinbase in its own policy represents that is has no title to assets held by other individuals, and is illegally withholding my assets and money from me without cause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-25 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
For years I have asked XXXX to remove 3 recorded late payments from my credit report. The payments were not late. XXXX had an issue with processing payments that were sent to them while I was in another country. I was told a few years ago by one rep that they would update the information and they didn't. I then reached out to the bureaus again and they keep saying that XXXX will not remove this inaccurate information.

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 2020-12-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
After countless phone calls and emails and being sent from one department to another over and over again, these people refuse to send me my refund of {$29.00}. They have told me several times that a check is on the way.

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 2020-12-25 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
Debt collection agency Hunter Warfield collected a debt on behalf of XXXX XXXX for alleged damage to a rental property. I contested the debt, but they kept collecting after 30 days. I paid in protest the full amount of {$940.00}, which was mailed on XX/XX/2020. HW assured me that I would receive a receipt and proof of payment within 20 days, which I need because I am going to small claims court to contest the debt. HW refuses to send the recept/ proof of payment even though it has been 3 months and I sent the payment registered with tracking that shows the payment was deliver XX/XX/2020 at XXXX. 
I have wasted hours of my life on hold with HW multiple times requesting a receipt, and they state that they will mail it every time, but they don't. 
Are they not required to provide a receipt? I've been waiting 3 months and my court date is coming up.

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 2020-12-25 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: DISCOVER BANK
State: CA

Complaint narrative:
Though I have previously complained ( XXXX ) about Discover cards false reporting to the credit bureaus, Discover card still failed to correct the wrong report 30 days late/delinquent for XX/XX/2019 payment. 
As a result, I am being discriminated through denial by other banks for simple LOC or borrowing. The latest denial cited the following report from XXXX, XXXX and XXXX : At this time, the following are key factors that adversely affected your credit score : * TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT * TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN * LEVEL OF DELINQUENCY ON ACCOUNTS * NUMBER OF ACCOUNTS WITH DELINQUENCY The only delinquency in my entire XXXX-year credit history is the only false report by Discover as illustrated by my previous complaint to CFPB XXXX. 
It has been over a year of this false report. Since Discover failed to produce any shred of evidence to prove their false statement that I agreed to a wrong random debit account for autopay, I request your kind help to force Discover card to correct the erroneous report to the credit bureaus immediately.

I need your help to have Discover remove this immediately with the correction to the credit bureaus they can produce any evidence of a recorded message indicating that I agreed to a wrong debit account number. The truth was that an incompetent discover employee erroneously placed a wrong debit account and then the Discover people tried to cover up their negligence and incompetency by ruining my unblemished record of XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I believe I have been scammed. I respond to an internet job offer and was notified of my acceptance. 
XXXX received a XXXX  letter pack. In it was a money order for $ XXXXon XX/XX/2020. My instructions were to purchase {$800.00} XXXX and XXXX XXXX gift cards. I deposited the money order then went shopping. I discovered that XXXX XXXX was the only retail store carrying these cards. I completed the assignment. I have all receipts and photos. I sent these documents and was congratulated for my professionalism. 
The Next XXXX  XXXX  Letter Pack arrived on XX/XX/2020. This time there were three money order for $ XXXXI was asked to purchase {$2500.00} on XXXX and XXXX XXXX gift cards. The second assignment was complicated by retail stores would only sell two cards a day. I saved copies of the money orders as will as possessing the actual Gift Cards. I also have receipts as well as all correspondence. I would forward the photos and receipt. I was to receive {$500.00}. for this task. 

I discussed this situation with my family, and we found a great deal of negative comments on the internet. I checked the XXXX XXXX XXXX and Washington State Attorney General. This confirmed that I was duped into to this entire operation. 
I saved everything ; Money orders, email correspondence, photos of the gift cards front and back and the applicable receipt from these purchases. 
I must claim ignorance. I was not aware of this scam. I live on Social Security and was hoping to supplement my income. Instead, I am experience extremely XXXX. I guess you could say I fell for it. 
I am currently contacting all agencies handling fraud. 
I have filed a complaint with the Washington State Attorney General office. 
I am going to file my experience with the FTC I am going to file of complaints with the FBI Please let me now Numeric normally handles situations like this. 
This situation has me rattled. 
My information XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Harris Law Group
State: CA

Complaint narrative:
I received a notice in the mail stating a judgement request had been filed in XXXX county superior court against me by Harris Law Group at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX with contact number XXXX. The suit had originally been filed a year ago and I never received any type of notice as required by law nor any other forms from them related to this debt that it seems was purchased by a third party. The car number is XXXX XXXX the amount of XXXX. I also never received a notice of validation also required by law. I have attempted to handle this directly with the law group and they are uncooperative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation