vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 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: VA

Complaint narrative:
I have attached a copy of my recent invoice of my capital one Visa Signature card. The first page has a total charge of {$7.00} for this billing cycle. The second page has an interest charge {$3.00}. That means ( $ XXXX {$3.00} ) {$4.00} is the charge for this billing period which was carried over from XXXX. 

What has happened? 

In XXXX, I disputed few charges and since the dispute was under investigation, I did not pay them. However, Capital one did not stop charging me interest. Disputes were resolved in my favor. Capital one did not update my account. Capital one continued charging me interest. I have written to few people at Capital One explaining the matter but ended up without any response or help. 
In XXXX, I have submitted a complaint to US Consumer Financial Protection Bureau ( CFPB ) Due to CFPBs interference, Capital One removed some interest, but not this {$4.00} which ended up in {$7.00} today. 

So, I am writing to you, to help me. I have tried to resolve it> I wrote to XXXX XXXX but no response. I tried to close the account, they did not respond. 
. 
I Have closed all other accounts with this improper business. I do not owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CA

Complaint narrative:
I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.

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 2020-05-21 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: CA

Complaint narrative:
I applied for an XXXX credit card a few weeks ago and I was not approved instantly but I didn't think anything of it, now today XX/XX/20 I got a letter in the mail saying that the reason that they could not approve me for their credit card is because there are negative accounts or loans on my credit. I didnt know what accounts they were talking about because none of my loans/credit cards have ever been late or in negative standing. I looked through my credit report and I saw more than ten accounts on my report that are not mine. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I don't know who opened these accounts in my name without my permission but I have already filed a police report. I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I ever make any payments towards those accounts. I don't have a contract or relationship with any of the companies I listed.

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 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This claim was filed twice with Chase Sapphire Preferred involving my hotel booking, which was affected by the XXXXoronaVirus ( COVID-19 ). I have tried to cancel and re-dispute this claim, but the Chase Claim investigator initially denied my request because she didnt understand the severity of the CoronaVirus ( COVID-19 ) at the time when I opened my first claim on XX/XX/XXXX. 

My hotel booking in XXXX took place on XX/XX/XXXX. Everyone is aware about the Travel Ban and every country was under quarantine. CoronaVirus has been ongoing since XXXX of 2019, and consequently to its extremity, a travel ban was issued by President Trump on XX/XX/XXXX as well as across XXXX. within my booking date on XX/XX/XXXX. 

Chase Claim 's Dept gave me the excuse that the hotel has its own cancellation policy, but no hotel has a policy about a pandemic disease like CoronaVirus. 

Being unaware doesnt change the fact that I was affected, and I am still eligible for a refund for my booking when its within Travel Ban period. 

As a result, the XXXX XXXX couldnt have provided the service anyways since the Global Travel Ban prohibited us exiting the U.S. and entering XXXX. 

I have tried emailing and calling numerously to the hotel to get a confirmation email for the full refund trip. The hotel staff emailed me and said that the cancellation has taken process, but yet no full refund has been honored. 

My next step will be filing a small claim suit against Chase since I did opt out from their arbitration clause.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I was trying to make a payment on my account and it was a computer glitch and it didnt take my payment and had me being late so i demand them to remove the late payments only

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have been affected by the XXXX XXXX. I was sick in XXXX and XXXX. I left messages on their customer service number, but no return calls. I received a notice dated XX/XX/XXXX, that I wa in default and to call them. I called and left several messages for the contact XXXX XXXX, not return calls. I received a Notice of Intent to Foreclose dated XX/XX/XXXX, again I called. I went online and tried to send an notice, but the account kept giving me a message that I had to call customer service. 

I finally reached a person on XX/XX/XXXX at XXXX XXXX, after she provided me with the collection information required by law, I said I wanted to make a partial payment of {$3000.00} and another partial payment of {$2500.00}, by XX/XX/XXXX and then bring the loan current by XX/XX/2020. She argued that I owed more than what I was trying to bring in. She proceeded to tell me that I was sent a notice that my payment went up to $ XXXX a month effective XX/XX/2020, per my escrow analysis statement provided online on my account. I explained that I have no access to anything online and that I never received the notice. She argued and said nope you signed onto online service and that is all we have to give you. I asked to speak with a manager a male came on the line let me speak, then he said no your are in foreclosure and we are not going to accept any partial payment. I decided not to speak with them any further. 

I have been affected by this virus, I am back at work not making any commission, just the base of {$2500.00}, yet this servicer is not trying to help me or work with me. I can't get through to my assigned relationship manager and they won't work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc.
State: WY

Complaint narrative:
A debtwas opened on XX/XX/XXXX of 2015, in the amount of {$200.00}, for an account with XXXX XXXX. I never received any information of this debt in the last 5 years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I paid an old account a couple years ago however it is still showing as active and currently in collections on my credit report. 

I have reached out via phone and email to the reporting company however I was told via phone and email that they will not make any changes. 

Fair Collections & Outsourcing , Inc . 
XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
XXXX XXXX XXXX have been harassing my dad and auntie throughout the day. This company also tried to tarnish my reputation by calling the receptionist at my job and telling them that I was in trouble and someone was on their way to deliver documents for me to sign. This is embarrassing for them to go around speaking about me to my coworkers and family. They called my company on several occasions with the most recent being on XX/XX/2020. XXXX XXXX XXXX could not produce any proof that I had a debt with them. However, these harassing practices are inhuman, especially while we're dealing with a pandemic ( COVID-19 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have a Chrysler Capital loan. I recently had gone through some hardships were during a 4 month period From XX/XX/2019 to XX/XX/2019 was late twice. Unfortunately its making a big impact on my credit, my on time payment history is 98 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a XXXX  bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
My us banking ReliaCard is blocked and I can not use it. I have been calling the number on the back of the card and I cant get anyone on the phone. I do not have a bank account at the moment.I am trying to get in touch with someone so they can remove the block and Ill be able to use my card again.

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX around XXXX I made a purchase with my cash app card at XXXX XXXX before work with no issues. Later in the day around XXXX I tried to purchase items at the store in which my card was declined and cash app stated it was for my protection. I have a current balance of {$1300.00} in my account there is no reason for it to be declined. I can not transfer money, send money or buy anything at the moment. I have tried contacting them on many different social media sites as well as through email, due to them not having a customer service number. It is now XX/XX/XXXX its been over 24 hours and my account is still frozen there is many others on twitter stating they have similar issues, in which cash app is simply responding we are working on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: IL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. Equifax and XXXX  are reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have  contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On or about XXXX of XXXX, I opened a credit card account with XXXX for a Walmart Credit Card. The account was sold to Capital One on or about XX/XX/XXXX of XXXX. The account was closed without my permission, any notification, or other means of communication. I contacted XXXX, who is the " Senior Account Supervisor '' with Capital One - ID # XXXX - who informed me that she was not willing to even attempt to reopen the account. XXXX admitted that there was no letters, emails, or any other notices, of changes to the account, prior to, or after the account was closed. I asked that the account be reopened since closing the account was unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: FL

Complaint narrative:
See attatched Equifax Report of XX/XX/XXXX ERRORS INVESTIGATED HAVE NOT BEEN FIXED. see attatched XXXX Letter of XX/XX/XXXX CONFIRMING XXXX mastercard credit card ending XXXX was settled XX/XX/XXXX AS DELIQUENT ACCOUNT. See attatched XXXX mastercard STATEMENT of XX/XX/XXXX ending XXXX OOOPPS HOW DID THIS POP OPEN AT THE SAME TIME XXXX SETTLED AND DELIQUENT ACCOUNT. XXXX WOULD NOT OPEN AN ACCOUNT WHEN DELIQUENT?? WOULD THEY?? I DID NOT OPEN THIS ACCOUNT. See attatched XXXX CREDIT CARD FRAUD CLAIM VISA card ending XXXX date XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00}. I DID NOT OPEN THIS ACCOUNT EITHER. XXXX DID WHEN MCs became VISA XXXX. I WAS UNAWARE UNTIL FRAUD NEVER RESOLVED ON ACCOUNTS I DID NOT OPEN BEGINNING XX/XX/XXXX. XXXX HAS NOT YET CREDITED THIS FRAUD OF TWO 1/2 YEARS. I DEMAND MY DRS LICENSE TO OPEN & ORIGINAL SIGNATURE OF WHO OPENED THE ACCOUNTS AFTER CARD XXXX Settled XX/XX/XXXX BE VERIFIED OR ACCOUNTS DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I tried to make a payment and i ran into a computer glitch with their company and it didnt take my payment and im still current but has a late fee on my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My account with CHASE BANK experienced fraudulent transactions totaling {$2100.00}. These withdrawals occurred for very small amounts at first then after 60 days very large amounts were taken. The transactions were through two XXXX accounts. I called both CHASE and XXXX and both organizations could not help me directly but I was told that the bank should open a dispute to work together with XXXX to retrieve my money. Since early XXXX I have been working diligently with both CHASE and XXXX on this, contacting both companies several times, with no results. The fraud on my account is a well known scam that should have been caught by my bank 's Fraud Department. 
A file is being attached to notate the charges in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Thanks for your help in getting this resolved. My credit report is 100 % unblemished aside from this dispute. XXXX has elected to destroy my credit rating over a {$150.00} loan payment from XXXX, XXXX that should have been in forbearance since XXXX XXXX. 

I have repeatedly and sincerely asked XXXX to please update the payment status of my loans from XXXX, XXXX in their records, and to the credit reporting agencies, as on-time or some other non-negative status. They have repeatedly sent me conflicting reasons, denials, and excuses for not updating my payment statuses, of which I have documentation. 

My student loan payments with XXXX were supposed to be on an income driven payment plan as I re-certified this plan in XXXX XXXX, I have ample documentation of my efforts to re-certify from the time. I mailed in all the necessary documents just like I did in XXXX and XXXX never processed my paperwork. The payment amount was supposed to be XXXX. I mailed in documents after submitting my application. Instead of processing my forbearance plan, they began billing me without my knowledge. I do not understand, and still have not been given a reason, why my paperwork was not handled in XXXX, even though I had no issues in XXXX. My sense is they lost my application and are now refusing to take responsibility while simultaneously accusing me of not paying my loans. I absolutely take responsibility for my loans and would never have knowingly paid them late and I 100 % dispute the characterization of my payments as late. 

XXXX reported me to credit agencies without properly informing me that I was being billed or that my repayment plan application was rejected. I paid the due payment the moment I knew about it and now I just want the record to show I was NOT paying late ; I didn't know I had a bill due and would never have waited to pay. 

I am sincerely asking you guys to please help force XXXX to update the payment status of my loans from XXXX, XXXX in their records, AND to the credit reporting agencies, as on-time or some other non-negative status. I paid the due amount the moment I learned about it and have made no other errors with these loans throughout the 6 year life of these loans. I'm am traumatized that I would be treated like this after all my good faith actions and patience in trying to get this resolved. 

Attached supporting documents are chronological receipts of actions from XXXX XXXX that I followed to a " t '' to complete my re-certification plan. I did everything necessary and was never sent any indication that my plan was not accepted. 

Please let me know anything you need to get this fixed. I appreciate you guys handling my request.

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