vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have applied for a Capital One credit card and approved on XX/XX/2020.  I didnt get my card within the timeframe given to me, so I requested for a replacement card. I had 2 different calls at this time, requesting for it to be sent to my new address and requesting to expedite shipping as I am about to leave for a vacation. They told me thats not possible, even though my original card was not received within the time frame given. They also tried to downplay the situation, saying it can take longer than the time frame given. I patiently waited for them to deliver the new card, but finally decided to call in XX/XX/2020 to report that I still do not have the replacement card. I know they said that it can take longer than expected, but a month seems excessive. The representative then told me that he will expedite shipping for me ( originally not possible when I called a month before ). 
XXXX attempted delivery today and said they couldnt get in my apartment complex. They said I can pick it up at a XXXX location. I requested to pick it up at a different location, but was told that Capital One placed a hold on that option, so I would have to request Capital One to lift the hold so I can pick it up at the location of my choice. I called Capital One and spoke to an agent who said that picking it up at another location would not be secured. I asked to speak with a supervisor, who made a conference call with XXXX. We were both told that the sender would need to lift the restrictions for me to pick up my card at a different XXXX location. XXXX ( Capital One supervisor ) told me that she will place me on hold and when she returned on the line, told me theres nothing that they can do about it because their agreement with XXXX is just to deliver it at the address sent. She was with me on the line when XXXX said that the sender needs to lift the restrictions. I clarified with her that what shes saying is that once the card is sent, they do not have anything to do with it anymore. She replied, yes. 
Im not asking for my package to be sent to a new address. Just picked up at a different XXXX location. Their incompetence and unwillingness to assist me have made the situation much more frustrating. It shouldnt take over a month to receive a credit card and customers should never feel like we are on our own once the card has left their hands. This is a corporation that I should be able to trust with my business and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was approved for an Old Navy Credit card in XX/XX/XXXX. I did not receive my card in the mail until 4 months later. I have not made one purchase with the card. I have several credit cards with department stores that use the same bank and Im in excellent standing with those accounts. Have never been late on any account. They closed my account this month, XX/XX/2020, and stated that its due to my credit. This makes absolutely no sense. They couldnt help or give me direct answer when I called and said its their choice. Thats fine and I understand that, but thats terrible business. It dropped my credit score down 8 points. Shame on them. I believe they closed it due to lack of use. I could care less about losing the store card, Im XXXX about my credit score. I have also been reading other reviews from other consumers that are saying the same thing about Old Navy and their credit card. Please reference Consumer affairs website.

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 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2020, I disputed an unauthorized charge on my Venture One card from Capital One for $ XXXX-XXXX XXXX. I did not receive taxi services at any time. XXXX XXXX   was unable to issue credit to me on his machine and told me to dispute it with Capital One. 
On XX/XX/2020, Capital One credited me {$65.00} XXXX XXXX. 
Later, Capital One charged me back for {$65.00} and told me XXXX XXXX, the merchant was contacted and said to give me back my {$65.00}. Capital One credited me {$65.00} Now, Capital One charged me back {$65.00} for a service that was NEVER given to me. 
I have called Capital One several times to make them give me back my {$65.00} and Capital One refuses to credit me, my {$65.00}. 
Today, XX/XX/2020, I called Capital One again for status on my claim and where is my {$65.00}? Agent told me Capital One now has to dispute this with Visa and it will take 90 days. It takes Capital One 30 seconds at most to credit me back-and Capital One was told by the merchant to pay me back {$65.00}. 
Capital One is stealing my money. Violations of the Consumer Protection Act and A.R.S. 44-1522 Unlawful practices by businesses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Friday ( today ) XX/XX/2020 I called Equifax to make a dispute. I gave them my phone number ( which they verified by texting me ), gave them my address, social security umber and birth date. I called to DISPUTE an item on my credit report that caused my credit to go down by 36 points! They wouldn't take my dispute until they " got more information to verify it's me ''. REALLY, they let someone fiddle with my credit but can't verify it's me. They said they needed information about any cards I'd had in the past. I haven't had a credit card in YEARS!!! I'm nearly XXXX. I can't remember that far back!!! I'm livid! This is outrageous. Equifax isn't a company to be trusted that's for sure. PLEASE DO SOMETHING. 36 points!!!! My head is still spinning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Midwest recovery systems is reporting a balance of {$580.00} on my account on XX/XX/20. I don't owe any debt to this company and was never notified in writing by this company of any debt owed, directly in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX   XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX   XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
During the months of XX/XX/XXXX/XX/XX/XXXX. We received a letter from XXXX XXXX sending a demand for payment on the second mortgage loan that was charged off in XX/XX/XXXX. The letter referenced XXXX XXXX was collecting the debt for PHH mortgage company who was listed as the servicer for the loan. 
Since XXXX couldn't provide any documentation that actually provided that PHH Mortgage was the actual servicer of the second mortgage loan, I ask for additional information from XXXX. 

On XX/XX/XXXX I received an email from XXXX and they reference they were in receipt of my dispute with them and they wouldn't be providing any more written correspondence or documents. See a copy of the attached email from XXXX. 
I kept requesting and no information was provided by XXXX. 

On XX/XX/XXXX, I received a demand letter from XXXX and they continued to reference PHH mortgage as the client they are collecting the debt. see attached letter. 

So on XX/XX/XXXX, I send a QWR to PHH mortgage which outlined my request to confirm they actually were the servicer for the second mortgage. Please find a copy of the QWR request. As of XX/XX/XXXX. No response. Please find attached the receipt of the OWR and when it was signed for by PHH Mortgage.USPS certified letter was delivered. 

On XX/XX/XXXX I received an email from PHH Mortgage Corporation asking me and XXXX XXXX, to provide the following : A copy of the title report showing the lien is outstanding and also the following information. 
Please also provide copies of the recorded Mortgage, Assignments and any payoff information you may have, such as a copy of the payoff statement and/or the HUD1 Settlement Statement. This will help with locating the account in our records. 

This last request was very upsetting since if in fact, PHH mortgage was actually our servicer, wouldn't in fact, they should already have this information in their system? Please find attached a copy of my XXXX account that references this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: POPULAR BANK
State: CA

Complaint narrative:
We purchased a Fixed Rate Certificate on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX   XXXX XXXX from their branch in XXXX XXXX, CA. It was to have matured on XX/XX/XXXX. We never closed this account. XXXX XXXX was subsequently purchased by XXXX XXXX, now Popular Bank. In the intervening years we moved out of state and then back to CA. The deposit book has recently surfaced. I have called Popular Bank and they could not help me locate these funds. In talking with the the CFPB I was directed to fill out the complaint form.

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 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I just received an attempt to collect a debt from Discover bank. I have never authorized this debt with Discover and I have never received any type of communication related to this fraudulent account as well. 
Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Enclosed with the complaint are FTC ID theft report and police report. I hope the matter can be amicably settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Paypal all day me my wife been trying to add debit card to her account to pay bill due today Pawn Shop.Because of Paypal will Not take infomation so we can pay today XX/XX/2020 ... .Fist it was XXXX XXXX putting Stupid Security Protection.Well paypal is charging us {$1.00} to add our Debit Card an putting it on Hold.Well that is wrongfully XXXX XXXX.Paypal needs to be counted for us loosing laptop in pawn shop being Jerks they are.Then make us log in get code they will not take card like i done couple days ago no problem and paid for XXXX items.Now my wife tried to do samething paypal giving her so much grief.My wife can not take this XXXX she has XXXX XXXX on her XXXX   it could Burst an die because paypal and XXXX XXXX from XXXX/XXXX with Blocking us with Security Monitor i ask for them to take off we don't live in XXXX Arizona in Utah..Paypal will Not let me add my New Address update because it is GENERAL DELIVERY, funny XXXX let me due it.I just bought many items from XXXX in last 2-3days my address was General Delivery an paypal let me add Credit/debit card within seconds to pay with.But it ask to save i didnot put check mark in.But i did anoughter Trans action, Well Paypal had my Debit Credit Card on file when they suppose to Delete it an Not Save it as i ask ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: NV

Complaint narrative:
I AM VICITM OF AN IDENTITY THEFT, I HAVE BEEN SCREAMING ABOUT THIS FOR THE PAST ONE YEAR IF NOT LONGER, THIS IS RIDICULUS THIS FRAUDULENT XXXX BALANCE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. A THIEF HAS MAINTAINED THIS ACCOUNT AND MADE CHARGES ON THIS ACCOUNT, THE CHARGES AND THE ACCOUNT IS FRAUDULENT, IT IS NOT MINE, DOES NOT BELONG TO ME. 
THIS FRAUDULENT ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2019, I received a promotional offer from Citibank offering me {$500.00} when I opened a new Citibank checking account and deposited {$15000.00} within 30 days and kept it in for 60 days. 

This was the link I was given in order to sign up for the checking account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshot of the promotion I was given by Citibank. 

I then signed up for the checking account directly from this link and followed all of the instructions as given - I even checked with Citibank chat support and confirmed that the promotion was linked to my checking account, and that I just had to wait 90 more days after maintaining the initial 60 day minimum balance in order to see the {$500.00} arrive in my checking account. 

Last week, imagine my surprise and extreme frustration when I was told that there is now NO promotion linked to the checking account I created, and that there is no bonus to be received. Please escalate and validate/make things right here, as I have placed too much money into a checking account for too long to be receiving literally nothing for it due to a mistake from Citibank 's side.

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 2020-02-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I had a direct debit payment scheduled on XX/XX/20. The payment was processed as an electronic check. According to the signed agreement, checks are only created after default. I am not in default with the company and did not authorize creating an electronic check on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$790.00}

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 2020-02-21 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX {$790.00}

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 2020-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allgate Financial, LLC
State: MD

Complaint narrative:
JH Portfolio is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is XXXX XXXX, but now has been sold to Portfolio Recovery Associates, LLC. 
They are claiming that I owe XXXX XXXX {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, XXXX XXXX opened an investigation, and recently as of the XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And XXXX XXXX is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation