vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Applied for a credit card to be subsequently denied because " Based on your application information, application submitted is incomplete or can not be verified ''. Upon contacting Capital One they said my form of ID was not valid and could not be verified within their system despite my ID being a Georgia State issued Commercial Drivers License. I spoke to the following agents at the fraud detection department ; XXXX XXXX, XXXX XXXX & XXXX ( who just hung up on me. All agents were incredibly disrespectful, all agents said that my application was denied and they couldn't tell me why my ID couldn't be verified and advised me to reapply, I asked them to please just look into my ID issue and forget about my application and the rudely refused. XXXX started bickering with me when I mentioned that a CDL ( commercial drivers license ) is an even higher rated type of ID than a regular one and she said its not because her dad has one and she looked it up on the internet, dismissing the fact that I am a CDL Holder and I own a XXXX XXXX that hires other CDL owner and I know what I'm talking about. She proceeded to tell me that no one was going to be able to look into this for me. XXXX told me the same thing not before speaking to me in an incredibly condescending manner, saying that he could not provide me with " life advise '' when I was not asking for that rather for someone to look at my ID and figure out what went wrong. He transferred me to XXXX who just hung up right after answering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To my knowledge, I was never late on my Kohl 's credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 4 loans reported late in XXXX and XXXX of 2018 in which the loans were on approved deferrement. I disputed the error with Experian but they verified the reporting as correct information. As supporting documentation I have the approval letter of deferrement covering the time that was reported late.

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 2019-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
To my knowledge, I was never late on my GM Financial auto lease with account number XXXX. But I realized that I was reported as being past due multiple times which is not true. I have had this lease since XX/XX/2015 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: DISCOVER BANK
State: MD

Complaint narrative:
I used a discover card for a purchase on XXXX XXXX  for a vacation rental. The rental property didn't exist and so I was charged money by a fraudulent person through XXXX  using a Discover Card. I notified the police immediately in the town and had them run an investigation in which they pursued people of interest and sent the report to Discover Card. Discover Card after an internal investigation ruled against me and ordered me to pay the penalties and interest. I will pursue this further but would like to initiate a formal complaint that their dispute process which agreed that I can be billed for a service that I clearly never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX and Transunion has as 3-4 security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called Transunion for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XX/XX/2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report

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 2019-03-13 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: TN

Complaint narrative:
I have an account with experian. when I try to log on, I can not. I have sent numerous emails, phone calls, XXXX messages, reset password, confirmed user ID. nothing fixes it, no one responds, can not speak to a person on any phone number. the year of birth is wrong and I am trying to fix it.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I worked with Early Warning Systems a year ago. Please see attached document. I am a victim of identity fraud. They sent my report ... it is attached here. I just applied for a bank account and was denied due to Early Warning Systems. It appears that there is new information or they put back on information that was already removed. All I need is for this to be fixed like it was before. I am also attaching my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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 — Problem getting your free annual credit report
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma and XXXX has as XXXX security question they asked in which were answered correctly and via Annually Free Credit report I have been refused to be sent a copy of my credit report. I them called XXXX  for a copy and they said one is being mailed. The mail came today and it was and application to provide them with other documents. I have submitted all my information on the website and I will not be denied a free credit report by being forced to submit documents by mail. If they want further information that can be sent via fax. I move to Indiana in XXXX of 2018 and have lived my entire life in XXXX, Washington. They have been given both address and my current one here in XXXX, Indiana. My name, date of birth and Social Security and they refuse to send me a copy of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One XXXX XXXX XXXX XXXX XXXX IL XXXX. When I got the credit card in XXXX I signed on for 23 % interest no annual fee on the internet. In XXXX they charged an annual fee of {$19.00}, I disputed that couldn't find my copy of the terms, until recently. Since I started paying and not using the card the interest rates it has increased 1.6 % every year since without notification.

I called and spoke to Capital One, XX/XX/XXXX customer service in XX/XX/XXXX because the interest rate rose to 27.65 %, she stated they would lower my interest rate on sales back to 23.15 % and it would stay at 27.15 % on sales for 6 months, I said ok. I received a letter around XX/XX/XXXX stating I agreed to a variable rate, which I never agreed too.

On that day she went to reading me about a variable rate and I was told if I didn't agree my interest rates would return to 26.65 % for all purchases. This has happen to several friends and family with credit cards. My credit score continue to rise, but these interest rates steady rise, is this legal? I never thought Capital One would do this, one thing I learned when applying for a Credit card never do it electronically I will stick to paper. I have uploaded statements from Capital One showing the rises in interest rates and I never was notified of the increases until they switched me to variable rate in XX/XX/XXXX by force.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
i have inquiry 's on my credit report that I did not authorize nor where they a firm credit offer. I have tried to get Experian to investigate, I have written each bank the pulled my credit with no response, prior to me filing suit in the federal district court of western Oklahoma, I am asking for the final time for Experian to investigate these inquiry 's and remove the one that don't meet permissible purpose as out line by 15 U.S. Code 1681b.Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; I have attached a list, these company 's either need to provided a written consent form with my signature or a letter showing that they gave me a firm offer of credit.

if neither can be provided as proof the they must be deleted from my credit report.

I am allowing to 15 days to investigate prior to filing in court.

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 2019-03-13 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: NY

Complaint narrative:
On XX/XX/17, we purchased 2 adjustable gold necklaces at a price of {$690.00} from ''XXXX XXXX XXXX , in XXXX XXXX , XXXX XXXX . 


Unto this day, we have not received the items. The credit card company was contacted and the merchant as well, but to no avail. 

The credit card company has reached a stage where they said they are not involved in this matter and contact should be made directly with the merchant. 

We tried with the merchant via numerous emails but no resolution have been made, only promises. 

Attached are communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I responded to a telephone call message left by Ford Credit. Instantly, I realized that I had not been paying my monthly auto loan. I responded immediately by calling the number left by the message. I then explained to the representative that I had not been receiving the monthly billing statement, which I rely upon as a reminder to pay my bill. This was due to a XXXX   mailperson, who frequently puts my mail into other boxes in my neighborhood kiosk mailbox. She also frequently puts neighbor 's mail in my box. Complicating matters was the fact that I had been away on vacation for most of XXXX, my last payment being in XXXX. When I returned from vacation, I paid all bills in my held mail, but the Ford Credit statement wasn't in the stack of mail waiting for me. It was also not delivered in XXXX or XXXX. I received the call from Ford Credit on XX/XX/XXXX. The credit representative, upon explanation, waived the accumulated late fees and I immediately sent in a payment covering three months, with my next payment scheduled for XXXX, which I then begin paying regularly as before. I also went to the Post Office and spoke directly with the Post Master, to ensure that misdelivery would not happen again. I then was notified of activity on my credit score by XXXX and others, so upon looking, I found that my credit score had dropped from XXXX to as low as XXXX ( XXXX  ). I wrote an appeal to Ford Credit to amend their report, or file another to help address my falling FICO score, but their response was basically that they would not assist in my request. I have made regular ( never late ) payments to Ford Credit on new trucks since XXXX and never before or since missed a payment. I am merely asking for credit reporting assistance from the CFPB to bring back my credit score to something over 800, as I immediately remedied the problem and have not been remiss since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC. 

I, XXXX XXXX, had lost my job in XXXX. Notified the mortgage lender, HSBC, of the matter. I didn't land a job until approximately 3 months later, informed HSBC that I will began making payments in doubles until I was caught up, however, they had told me that there was a new policy stating that the whole past due amount ( totaling appx. 5000.00 dollars ) would need to be paid. Furthermore, no payment smaller than the past due amount would be accepted. 

At that time, it was winter going into spring, in XXXX New York. Therefore, I was behind in the heat and electricity, the car loan, and owed back payments in child support. There was no way for me to be able to pay the amount that was requested by HSBC. Hence, the house ended up in foreclosure. I could not afford a lawyer, at that time and still can not. 

After many phone calls, and time passing, the loan that had plagued my life, had been closed. The house was sold in an auction in XX/XX/XXXX of XXXX, according to XXXX XXXX XXXX XXXX ( contact info : XXXX ). Although, on my credit report it shows that the account had been closed on XX/XX/XXXX. I do not understand how they had closed the account on this date when I was still making payments until I was unemployed. To make matters more confusing, this Monday, XX/XX/XXXX, I received a notice via XXXX XXXX stating that I owe HSBC a past balance of {$120000.00} dollars, yet the loan was for {$55000.00}. Even more confusing is that it states that I made a payment on XX/XX/XXXX. I WAS LIVING IN XXXX!!!!!!!! THE HOUSE WAS SOLD ALMOST A YEAR BEFORE THEN!!! WHICH, I HAD NO PRIOR INFORMATION ABOUT!!!!! 

I called HSBC ( contact info : HSBC BANK USA NA CREDIT INFORMATION DEPARTMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ) looking for more info on the matter and they had directed me to XXXX XXXX XXXX XXXX. No one had given me any information proving to me that I owe the amount, yet there is still another account on my credit report showing that I do not owe HSBC anything. I will print a copy of the report and send it to your mailing address along with a copy of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
On XX/XX/2019, I received a call from XXXX XXXX ( XXXX ) XXXX. The message when I answered said I may be a party to a claim and that I could lose my chance to collect on the claim if I didnt hit 1. I hit 1 and was transferred to a debt collector. I then asked for information to be mailed to me and they told me no. I then asked that they not contact me at this number and they said they could. I again asked that they mail me something and they still refused. When I told them the robo message was deceiving and I wanted the name of the Debt Collection agency and their license number they refused to give it to me and hung up on me. I looked this number and name up online and nothing comes up, so I am unsure how to even figure out who the debt collection agency is.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank is committing MORTGAGE FRAUD & is in Violation of a Court Order by the NJ Superior County Court. 

PNC BANK Refused to follow a Court Order Power Of Attorney, granting me ANY & ALL access to manage, make changes, sign on behalf of the borrower ( my ex ). 

The Court Order was sent 3 times by fax & Email ( Exhibit attached - emails & Fax Records ) The Consumer & Mortgage Fraud & PNC 's efforts to STEAL my property, are evident in the bank having selectively provided me with information regarding this account at times, then denying access to the account balance and variable payments required by the payee, so as to set up the payee towards a default. 

DESPITE BEING THE PAYEE MAKING PAYMENTS & HAVING RECEIVED THE POA & THE PRIOR AUTHORIZATION TO ADMINISTER THIS ACCOUNT SINCE XXXX, AND MY REPEATED FAXED REQUESTS FOR MAILING STATEMENTS TO THE PROPERTY ADDRESS, PNC HAS INTENTIONALLY IGNORED ALL OF THE ABOVE. 

NOW THIS FILE IS IN LOSS MITIGATION AND PNC REFUSES TO PROVIDE ME WITH ANY INFORMATION ON THIS ACCOUNT I have been making payments diligently on this account. 


Despite the Power of Attorney & authorization, PNC Bank has consistently denied me access to ANY information on this account. 

Further, despite receiving my check payments, with the property address listed as my address, AND despite the repeated faxed and emailed communications to PNC, to mail me statements and relevant documents, I have NOT RECEIVED EVEN A SINGLE STATEMENT, NOR ANY DOCUMENTATION REGARDING THIS ACCOUNT FOR ALL OF XXXX & XXXX YTD. 

I have made several calls to PNC customer service throughout XXXX and visited the XXXX XXXX NJ branch several times ( XXXX XXXX the issue being escalated to Executive Client Services ( XXXX XXXX - XXXX ) and PNC Legal Department. 

In the end I was informed by XXXX XXXX ( Loss Mitigation Department ) that PNC Bank WILL NOT FOLLOW THE COURT ORDER BECAUSE THE BANK WAS NOT PARTY TO IT & I COULD GO AHEAD AND FILE A COMPLAINT IF I CHOSE TO. 

Please investigate PNC CORRUPT BANK and the named staff for a resolution. 

I have been a loyal customer since XXXX and this bank is trying their best to steal my house from me, a single mother of a special needs child ... and make me homeless DESPITE MY MAKING THE PAYMENTS EVERY MONTH! I HAVE NOT MISSED A SINGLE PAYMENT SINCE STARTING IN XXXX!

Company response to consumer: Closed with explanation