vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 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: FL

Complaint narrative:
I purchased a single team subscription from XXXX to watch the XXXX XXXX XXXX in the amount of {$110.00}. 

At the outset of the pandemic, the XXXX CANCELED the XXXX XXXX XXXX season making it IMPOSSIBLE to watch them on XXXX or anywhere else. 

Since it was IMPOSSIBLE to reach the XXXX I disputed the charge with Capital One MasterCard. I was told that under the terms of their MasterCard Purchase Protection Policy they would credit {$110.00} to my account and mail paperwork to me that was to be completed and returned no later than XX/XX/20. 

I received the paperwork from Capital One on XX/XX/20. I completed it, made a copy and mailed it the very same day. Then, on XX/XX/20 I discovered that Capital One violated its own MasterCard Purchase Protection Policy and WRONGFULLY charged {$110.00} back to my credit card. 

I immediately called Capital One to be told that they never processed the completed paperwork that I mailed to them on XX/XX/20. Capital Ones phone rep stated that if I E-mailed copies of all of the documentation that I PREVIOUSLY sent to them that she would PROPERLY CREDIT the missing {$110.00} back to my account. 

She NEVER did what she said that she would do. Its not been two weeks since I was promised a PROPER {$110.00} CREDIT back to my supposedly protected account. I called the Capital One Dispute Line back today. Ive been on the phone for nearly a half hour with a phone rep who said she could fix the problem. When she failed to fix it, she FINALLY transferred me to a supervisor, AS I ORIGINALLY ASKED HER TO. 

Ive been on hold close to ANOTHER HALF HOUR AND NO SUPERVISOR HAS PICKED UP THE LINE AS OF YET!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX XXXX XXXX sending written statements to the fraud. 

I have tried several times to send information to Equifax to be given the same generic response that is not applicable to my case. XXXX has researched & determined the inquiry as fraudulent but Equifax refuses to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital one, without prior notice, has taken action against my credit score by decreasing my credit limit. The unilateral action taken by the bank, negatively affects my credit worthiness, which I work very hard to maintain. 
Upon further inquiry, the bank representatives refused to explain the reasons as to why such action took place. Since the offered no explanation, I feel this action is arbitrary and borderline discriminatory, given that from my name anyone can infer I am not a XXXX person. The credit limit was cut in almost half, from {$15000.00} to {$8000.00} according to the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Please see prior Citibank complaint and full documentation provided. I tried to respond and CFPB website it would provide access to do so, which was not received, then complaint was automatically closed out. 

Specifically : - company response confirmed its retaliatory act of decreasing my credit limit as a result of bank 's improper KYC practice - and bank 's improper KYC practice response revealed & documented it had failed to properly contact me at my current address on file and used one that was out of date, then refused to interface with the bank professional who Knows Their Customer, my banker - the bank failed to provide a transparent, clear response to its foreign transaction fees/exchange rates, misrepresenting what it charges - subsequent bank documentation continues to confirm retaliatory behavior by declining to restore my original credit limit and response documentation confirms one hand doesn't know what the other is doing, nor have any interest in resolving matters when one division 's improper practices or errors creates another division to take improper action. 

It's been over a year and well beyond the time this should have been resolved, especially for a client family relationship of 64 years. I would prefer to restore the relationship over turning the matter over. If it can not be resolved to mutual satisfaction in 60 days, this note serves as my formal request for the CFPB to initiate a class review and/or refer class action firms for next steps, as it is clear this has negatively impacted many throughout the US

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 2020-08-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received a bill from XXXX XXXX - XXXX XXXX in XXXX. I immediately called the number on the statement & advised them that this was not my account & that I had never dealt with XXXX XXXX. They told me to contact the Credit Bureau. I contacted all 3 Credit Bureaus. I have heard from Experian, who said the information had been updated & to contact XXXX XXXX if I'm not satisfied. It is still on my credit report as my account. This is NOT my account. They don't even have my name spelled correctly. When you contact XXXX, they tell you to contact the Credit Bureau & the Credit Bureau tells you to contact the Bank. What exactly must I do to get this off 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 explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are numerous inquiries checking my credit history without my consent nor have I ever heard of most of these & they are : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX - Never Ever Applied for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Never Ever Applied for XXXX XXXX XXXX XXXX XXXX XXXX  - Isn't this for housing? Never Applied Through XXXX  XXXX XXXX of them has done TONS of inquiries & NEEDS TO BE STOPPED

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 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX XXXXXXXX {$9800.00} XXXX XXXX XXXXXXXX {$180.00}

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 2020-08-25 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXXXXXX {$6500.00} XXXX XXXX {$4600.00} XXXX XXXX {$5400.00} XXXXXXXX XXXX  XXXX {$9800.00} XXXXXXXX XXXX  XXXX {$180.00}

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 2020-08-25 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To whom this may concern : I am filing this complaint against Synchrony Bank. A few months ago, two months and ten days to be exact, I sent Synchrony Bank a letter regarding a situation I have been suffering this year. It was a situation with a loan I obtained through Synchrony via XXXX in XXXX located at XXXX XXXX XXXX. 

Near the end of XXXX I went to XXXX to purchase some home furniture. My representative was actually the store manager who goes by the name of XXXX. There will be a letter uploaded with this complaint which explains the specific details of my complaint. So as not to copy and paste everything which is on the letter, I will provide you the main points of this complaint. 

When I was debating on whether to purchase the furniture or not at XXXX XXXX, XXXX convinced me to purchase it by promising me 18 months no payments and no interest. That was what pushed me over the edge to go ahead and get financed through them or rather XXXX XXXX XXXX financing company. Everything seemed Ok until I received a call in mid XXXX telling me I am severely past due by Synchrony Bank. 
I ended up paying them their past due amount, but I have suffered considerable damage to my credit. That is not necessarily why am filing this complaint to Synchrony Bank. I am filing this complaint because I sent Synchrony Bank a letter asking them to consider my situation and asking them to forgive the late payments due to XXXX and XXXX XXXX XXXX willful attempt to deceive me for financial gain. I sent the request on XX/XX/XXXX. To this day I have not received a response from Synchrony Bank. 
Not only did I not receive a response from Synchrony bank in writing, I didn't receive one by phone either. 

Synchrony Bank has my phone number. They were able to call me when they were looking for money, but not to address my correspondence to them. They didn't even have the decency to send a generic or even a pre-generated letter after nearly two and a half months. I am very strongly considering a lawsuit against XXXX XXXX and XXXX at this point but I decided to notify you first just to give Synchrony Bank every opportunity to address this before I decide to go after them too.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My credit limit on my Capital One card was cut from {$9000.00} to {$2000.00} overnight with no warning. I called the company today and they claim I wasn't using enough of my credit. I have a {$400.00} balance on this card which means that my credit usage went from .04 % to 20 %! This will impact my credit score significantly ... because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit and I have higher balances on my other cards. With this cut, i estimate that my revolving credit usage will jump from a healthy range to 74 %! This will have a devastating effect on my credit score.  They gave no warning at all and will not give any solutions either. This puts me in serious financial jeopardy and came with no warning at all! They have done this to thousands of people. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.

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 2020-08-25 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently sent letters over 45 days ago to this bureau or these bureaus and they are disregarding the regular consumer disputes. I'm very stressed, frustrated, and have been sending letters before this an still no response.

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 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Dear reader, About a month ago or so I wanted to check my free 'once a year credit score ' using one of the three credit bureaus and when I did that the page wouldn't load so I would press the back button and click it again. Rather than understanding I only wanted to see it once I believe the companies thought I was checking my score multiple time and thus negatively affecting my overall score. I just want to make sure that I'm not unfairly taking a hit to my credit score when life is hard enough as it is. I'm also extremely sad because I was unaware that when my credit card changed I was missing debt payments. This negatively effected my score as well. I intend to always make payments on time but I was struggling at the time, now, and did not know I was missing anything when it happened. Please help me. 

Thank you, 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 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The 3 credit bureaus, TransUnion, XXXX, & XXXX are reporting accounts that were not authorized by me. I have submitted documentations per 605B supporting these fraudulent accounts. The credit bureaus have failed to remove.

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 2020-08-25 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: TX

Complaint narrative:
I received an e-mail from my credit card carrier ( Capital One ) on XX/XX/XXXX, stating that they were reducing my credit limit from {$7300.00} to {$1500.00} ( a 79 % decrease ). The letter stated that it was due to low activity on the card. When I called Capital One to rectify the problem I was told by a supervisor ( XXXX ) that they save available credit for new customers. I have had this particular account for 19 years with no late or missed payments, I have excellent credit and have had no charges in my income. My wife and I have also financed and paid off cars through this company with no delinquency. They really could give me no answer when I requested the limit be restored but to say they have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}

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 2020-08-25 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: AR

Complaint narrative:
Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX {$2800.00} XXXX XXXX {$110.00}

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