vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've been a card holder for over 3 years now. I've always had a {$1000.00} credit limit. I've asked multiple times for line increases that were never granted. I use my card about once a year and usually have no problem paying off the balance. This year Covid-19 has turned the word upside down and my annual purchase I haven't quite paid down as quickly as I normally would due to my business financially struggling. They reported 2 late payments to the credit bureau. I sent them a goodwill letter explaining my current hardship and ask that they remove the negative reporting to the credit bureau considering that we are in a global pandemic. 

They sent me a letter XX/XX/2020 stating that they have changed my credit limit from {$1000.00} to {$300.00} due to a significant decrease in my credit score. I currently still have a balance on my credit card that is about {$310.00}, so not only did they decrease my credit limit out of nowhere, but they decreased it past the balance that its currently carrying so that I'm automatically over my limit. These actions are extremely antagonist in nature. A credit card company reporting an over the limit credit card balance can drop your score over 25 points. I've never had a late payment ever with this company and the year that the entire world is suffering economically and financially Comenity Capital Bank rewards me with a stab in the back and then rubs salt in the wound. This is absolutely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 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:
XXXX XXXX XXXX  charged me for some device ( a XXXX I think ) that it said I was responsible for returning it to XXXX XXXX XXXX. The dispute went for two years then XXXX XXXX XXXX admitted it was its mistake and refunded the money to me and notified the credit rating of the mistaken report. Before XXXX XXXX XXXX reported the problem to the credit rating companies, my score was XXXX. Now, the issue was resolved in my favor, XXXX  continues rating my credit at XXXX, XXXX  XXXX and Experian XXXX. I have got no response from them with my complaints. I am applying for refinancing and can not get the favorable rate.

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 2020-08-24 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-08-24 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: VA

Complaint narrative:
XX/XX/XXXX Used my Capital One credit card to purchase XXXX XXXX roundtrip flight for my daughter XXXX from XXXX XXXX to XXXX, XXXX for University XXXX XXXX program for {$690.00}. 

XX/XX/XXXX XXXX flew XXXX to XXXX, XXXX for her U.XXXX   program. 

XX/XX/XXXX I contacted XXXX XXXX to change ticket return due to program cancellation by XXXX government. XXXX rebooked return flight to XX/XX/XXXX and I paid {$130.00} for fare difference. 

XX/XX/XXXX I received XXXX XXXX email cancelling flight-unable to reach XXXX XXXX by telephone or at airports. XXXX booked flight on XXXX XXXX  ( which cancelled ) and then paid for second return ticket on XXXX  XXXX. 

XX/XX/XXXX I submitted written dispute via Certified Mail to Capital One for return portion ( half ) of {$690.00} ticket charge or {$340.00}. I also spoke with Capital One telephone agent regarding refund for cancelled XXXX flight and was required to submit additional Capital One form by email or fax. 

XX/XX/XXXX I submitted Capital One form for reimbursement of {$340.00} by email with supporting documents including XXXX ticket receipt, XXXX email re : flight cancellation and US Department of Transportation Enforcement Notice stating " obligation to refund passengers for cancelled or significantly delayed flights. '' Capital One later credited my account for {$340.00}. 

XX/XX/XXXX Capital One rebilled the {$340.00} transaction without written notice to me for the XXXX flight. On XX/XX/XXXX, I again submitted the Capital One form and supporting documentation regarding XXXX XXXX  flight cancellation via fax and Certified Mail. 

Additionally, XXXX XXXX responded to my refund request on XXXX XXXX website stating that the refund was unnecessary due to the credit card chargeback by Capital One. Also, XXXX XXXX has still not resumed service to/from XXXX, XXXX from the United States as of XX/XX/XXXX. 

Finally, I believe that Capital One 's actions on rebilling this transaction mirror their actions when went through months of communication, letters, and calls to reverse charges made in error by Capital One for XXXX XXXX  tickets that were refunded in XXXX but rebilled by Capital One in XXXX and XX/XX/XXXX before my statement period ended. Capital One 's actions have lowered my credit scoring according to its own credit monitoring service, XXXX XXXX, along with other credit monitor services. Capital One 's actions in the XXXX flight cancellation, as well as prior actions in the XXXX XXXX  flight cancellation, have negatively affected my application for my first home mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I would like to file a complaint against PNC Bank for not being able to locate my old bank account that had Wire Fraud Activity take place during for time period XX/XX/15 - XX/XX/15. I put a Wire Fraud Activity request in once I discovered the money was missing, and PNC Bank was unable to recover my money in the amount of {$17000.00} that disappeared from my bank account. The banks explanation for no recovery is they are unable to locate my old bank account. After my third request since XXXX, I received a final response from PNC Bank Branch Representative, XXXX XXXX that they had no success locating my account. As of today, XXXX XXXX and I agreed, I should contact the XXXX XXXX XXXX to inquire about how to recover my money. I contacted the XXXX XXXX XXXX, and was referred to Consumer Protection Bureau to assist me with my needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: FL

Complaint narrative:
In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from XXXX  & Equifax. Since these are hard pulls, they negatively impact my credit score. In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, Equifax has not corrected this hard credit pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I used Cash App for 18 months. Three of the payments ( {$200.00} XXXX XXXX XXXX XXXX, {$50.00} XXXX XXXX XXXX XXXX, and {$3500.00} XXXX XXXX ). expired .. The money was deducted from my checking account. I have called Cash App to request a refund. My calls were met with rudeness. They have hung up on me, my CA history and my account were deleted. Letters from myself and my attorney remain unanswered, I wrote ( U.S.Mail ) to CFPB XX/XX/2002. Early XXXX I received a VM stating that I should call Cash A, reference my refund. A callback number was not left. The number per voicemail ( XXXX ) in addition to the number on the internet number ( XXXX ), " could not be completed as dialed. '' On two occasions, I reached someone who instructed me to purchase XXXX XXXX as " a test. '' Based on my history with cash App. I did not trust this process. Most recently, I received an email stating, my account received a {$65.00} credit, and " the matter was considered closed. '' it should be noted, I have continued to used Cash App during this period. help put me in touch with someone professional. Attention must be brought to the matter of my {$280.00} refund. I have documentation, unable to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I have more then one law firm contacting me for the same credit card, i have ended by paying two law  firms for the same card i have cleared check numbers from bank statements for XXXX XXXX XXXX XXXX ( payments of XXXX ) along with signed documentation for payments with cleared debits from my bank account with a letter that states the debt was paid in full to the XXXX XXXX XXXX XXXX XXXX  for the law firm of XXXX XXXX XXXX ( payments of {$130.00} twice a month ) All three law firms have the same information about this account. Account number XXXX & the creditor being barclayXXXX XXXX ( XXXX ) The third law firm XXXX XXXX has taken me to court three times first court day of XX/XX/2020. Which was the date of my finally payment to XXXX XXXX for the agreed amount of {$440.00}, the paid in full letter has case number & account number. 
All three Law Firms were & still are belittling, aggressive & demanding to a point of not knowing what to do ... ..The only reasoning i have for paying two Firms at the same time for the same card and the reason i will not pay the third! 
My personal information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX il XXXX XXXX law firms in the fight of charged off debt XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/20 I paid total amount due on my credit card {$2200.00} in cash. The next month I was charged an additional {$20.00} for interest. I called Bank of America and was told that Total amount due was not Total amount due because it didn't include interest posted on the XXXX of each month? I am also concerned about the new Total amount due for my next billing. Is there interest on the interest? Is this a black hole that can never be satisfied? TOTAL AMOUNT DUE should be just that - unless there is some tricky financial advantage in hiding actual amounts.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an issue with the credit bureau XXXX 
I have spent more than 30 hours in total on phone trying to solve the issue - XXXX does NOT report any credit cards on my report, and marked my score as " - ''. 
XXXX and XXXX reporting all credit cards and my score is around XXXX points. 
XXXX reports 1 credit card ( XXXX XXXX ) with No score and does not report all mine 6 credit cards as authorized users. 
I spent already a few months trying to solve and now kindly asking you to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020, I sold my house and used a Title Company ( XXXX XXXX XXXX in XXXX XXXX, TX ).  They sent a wire transfer of funds to Bank of America in the amount of {$64000.00}. Bank of America has confirmed that they received the wire transfer. My HELOC balance is about {$61000.00}. Yet they have not applied the wire transfer funds to the balance. I spoke with them last Thursday (XX/XX/20 ) and confirmed they got the funds on XX/XX/XXXX. The fed funds wire # is XXXX. I spent roughly 2 hours and 20 minutes on the phone with them today on hold or actually talking to reps in the loan Department ( XXXX ) and the wire transfer Dept. Both parties said they couldnt help me and blamed the other department. I need my HELOC paid off and closed. I am buying a condo in 7 days. I need the overage placed in my Bank of America checking account.

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 2020-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also

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 2020-08-24 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: IL

Complaint narrative:
I been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020, I applied for a XXXX XXXX ( XXXX ) credit card, and Experian ( XXXX ) did not provide a credit score on my behalf, giving the reason that I had " Insufficient Credit Experience ''. While XXXX   generated my scores for the other credit reporting agencies, their omission of my Experian score resulted in me being denied my application. For several years I have been working to improve my credit scores, but it appears that my efforts have been in vain. Over the past year, I may have also been turned down for other credit facilities, and may have suffered higher rates or other less favorable terms as a result of Experian 's omissions.

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 2020-08-24 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: FL

Complaint narrative:
Recently I established a credit report account with XXXX to see my current credit score and was surprised with countless fraudulent and false accounts that weren't done with my consent. I sought legal counsel to further educate myself on such crimes because it is the first time I experienced such fraudulent activity. In my country there is no such crime due to the lack of resources so apparently I would like to see these accounts removed from my credit report because they weren't my doings. I am extremely shocked and embarrassed to learn that people can be victims to such fraud without having any physical proof of identity to attain such accounts without legal consent. Please again remove these false items from my credit report as soon as possible. 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 2020-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WI

Complaint narrative:
Due to the Corona Virus I applied for a forbearance and was granted a 90-day forbearance by Select Portfolio Servicing. My financial circumstances improved after 60 days and I called to make repayment arrangements. I paid {$1000.00} and was to resume payments of {$1200.00} until XXXX - at which time I would be caught up. I began getting letters saying that I needed to contact the company to make repayment arrangements. When I called, I found out the arrangement had never been entered. After an hour on the phone, I was disconnected. I was called back by a woman with a thick XXXX accent who spoke very quickly which rendered the message not understandable. I have spoken to them and requested my original deal but was told that was not possible. Each time I reach out to Select Portfolio Servicing I spend time being passed between agents and more times than not end up getting cut off. 

I am trying to do the right thing but they seem incapable of handling my situation. 

XXXX 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 2020-08-24 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: HI

Complaint narrative:
I call Experian, sent proof of this account Not my account, certificate letters and dispute

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 2020-08-24 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to a re investigation for inaccurate information reporting on my credit reports. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation