vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: TX

Complaint narrative:
The card I have is to receive child support from the New Mexico Human Service Department ( NMHSD ). The card I currently have expired XX/XX/2020. The address was not updated in the EPPICARD system and had my previous address, so I did not receive a new card. 
In XX/XX/2020, I called t

he 1866 number on the back of the card for EPPICARD and was informed that I must update my address with the NMHSD to receive a new card. I called the NMHSD to verify my current address was updated, which it was. I called EPPICARD to the 1866 number on the back of the card and was again told the same thing and had no luck getting through to the person who answered my call. 

It is now XX/XX/2020. 
I called EPPICARD ( 1866 number on the back of the card ) Friday, XX/XX/2020. I was on hold for a very long time ; luckily, after 30 minutes, I reached a person. I tried explaining the situation again and still, no luck. I again was told to get the address corrected with NMHSD.

I got on the online chat with the NMHSD, and they were able to
send a request to send me a new card. It was issued on XX/XX/2020, with an estimated delivery date of XX/XX/2020. I was thrilled but to see that it was mailed to an address I have never used on my online account. It was being mailed to XXXX XXXX, Nevada. 

I have called EPPICARD again to get someone on the phone to correct this mistake and send me a new card. I called EPPICARD XX/XX/2020, and XX/XX/2020, and have been hung up on. I wait 20-30 minutes on the phone, and when someone picks up, they ask what state I am calling from ; I answer, and they say they can not hear me and to call back again, then they hang up the call. Other times that I call I am waiting 20 minutes, and I can clearly hear someone pick up and hang up the call. I can not get a hold of anyone now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX I received a letter that I didn't have to make my XXXX payment to fifth third bank, XXXX I received call from customer service that I owed {$70.00} when my minimum monthly payment due is {$35.00}. I was told I haven't made a payment since XX/XX/XXXX-which I dispute : I pay my bill monthly by money order. XXXX XXXX I've been getting harassing phone calls from customer service when I've already told them I will make payment on or before XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CITIBANK, N.A.
State: MS

Complaint narrative:
There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card

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 2020-10-23 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: MS

Complaint narrative:
There are multiple credit cards on my report that are not mine. I believe someone used my information to get these card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: PA

Complaint narrative:
The Fair Credit Reporting Act gives me the right to request the source of information that appears on my credit file.

I submitted a dispute request for the source of information, as permitted under Fair Credit Reporting Act, Section 609 regarding XXXX XXXX  Account # XXXX which is appearing on my Experian Credit File.

I asked the CRA, Experian, to remove this item from my credit report, unless they can provide me with the source of the information, such as an original contract bearing my signature. This is a right that I have per Fair Credit Reporting Act, Section 609.

Experian has failed to properly investigate my dispute.

Experian has updated my file, without properly investigating, while not providing me the information I am entitled to under the Fair Credit Reporting Act. They have listed the item as " remains ''. They are in violation for not properly investigating my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a joint account at Capital One Bank. It is checking and savings. On or around XXXX, 2020, they changed the accounts to a 360 account and issued new debit cards. When the other account holder entered the PIN improperly too many times, that debit card was frozen. Funds to the account remained accessible and the account for the other holder also remained accessible. Only that person 's PIN was frozen. 
On XX/XX/2020, attempts to rectify the PIN issue were met with unfounded suspicion and denied. Only after a threat to close the account did this freeze on all funds occur. Both accounts were accessible until this threat to close was made. I went into the branch on XXXX XXXX and verified who I am. Later that day by email, I was advised that no one can make any withdrawals until they have proof involving the other person on the account. They refused to give me any details whatsoever.

While I understand the debit card hold, I find no reasonable basis to restrict access to the funds by way of checks and withdrawals. As a joint holder, Capital One has no basis to prevent my access to the account and has no basis to deny the payment of any checks like the rent check.

Attempts to resolve were met with resistance and no customer concern. This is illegal and the bank must be reprimanded, fined and instructed to release the hold. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon   CitiCard, THD CBNA,  and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.

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 2020-10-23 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX  credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I have been a Victim of ID Theft and multiple Inquiries are reporting on my Equifax credit report from XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XX/XX/XXXX. I have enclosed a letter with the dates of each occasion. I have contacted Equifax explaining the situation and they have referred me to XXXX to have the fraudulent inquiries removed. I contacted XX/XX/XXXX and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have inquiries repeatedly reporting on my credit report from Comenity Bank XX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express is not working with me to resolve this long over do issues and Im still being charged with excessive interest fees and excessive interest rates charges and cash advances I know nothing about even though it states XXXX balance but it also states cash advance activity on the billing statements for XX/XX/XXXX what is going on? And I been paying high interest fees and high interest charges to that cash advances noted on the billing statements. The months of XXXX and XX/XX/XXXX neither of those months on the billing statements had cash advances noted on the statements. The balances are incorrect and on XX/XX/XXXX pay overtime direct interest rate 17.49 percent balance {$11000.00} and promotional pay overtime direct balance {$11000.00} why do you have 2 pay overtime direct balances? This is double billing charge and double billing with fees and interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting erroneous debts on my credit file. I checked my credit and noticed this debt. I never received a call text or notice about this debt and that violates my 30 day right to dispute I called and paid these accounts immediately and tried to work with them to get this debt removed from my credit file and they would not budge. This is ridiculous. If I would of know if the debt I would have paid it immediately. I was never made aware of this debt and that is Express Recovery 's fault. They should of sent me a letter or at least called to let me know of this debt instead of adding it to my credit file. This account needs to be removed from my credit file. I do not owe that debt and they have violated my 30 day right to dispute. The least they can do is remove this debt after ruining my credit without warning.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Company closed credit card accounts ending in XXXX and XXXX while I am aware all companies reserve the right to make the best decision for their business these were closed as a result of returned payments that stemmed from my personal bank account having been compromised stemming from lost wallet and checkbook. 

The creditor was furnished with a police report and bank memo. Multiple reps including one from executive relations stated the account was being reopened allow 30 days. 

I have since inquired 21 times only today XXXX XX/XX/2020 did they follow up with me. They stated the account was in a fraud status as a result of returned payments that had zero to do with them and while they acknowledge miscommunications by former staff they wont reopen but theyll remove it out of the status. 

Im on hold for 16 minutes, Im hung up on they call back and then tell me no they wont remove the block again despite just having told me otherwise 16 minutes prior. The disconnect in service is absurd. Apparently I am now blacklisted for life for something that had zero to do with me. Important to note I still continue to make payments monthly with zero issues and pay with debit card not ach zero issues.

I was told repeatedly that this would be reopened they even stated 2 weeks ago at the very least it appears at minimum one of the 2 could be reopened again neither happened. Again this has zero to do with me I have paid like clockwork since even with the account closed I did not charge it off or just stop lying like you stopped extending credit If this block is not removed and Im not able to either use these accounts again or open new accounts I will continue to exhaust every remedy available and ensure I use every platform to share my negative experiences

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2020, I have applied for a personal loan with XX/XX/XXXX for a amount of {$5000.00} and after a few days have withdrawn from it but turned around and paid off the loan within 10 days. Once I checked my accounts status with XXXX, I have noticed this loan no longer exists on my app and was removed, I have called XXXX to find out why it is no longer there and/or available to me, so I was told this loan was removed since I paid it off and no longer is available to you. I disputed this issue with their Credit Reporting Department and was told " they are not able to remove this hard inquiry from my credit reports ''. 
I should have been informed about pros and cons of XXXX personal loans, the available funds should have been available to me as needed, and hard inquiry should be removed since the life of the loan was less than 10 days.

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 2020-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have inquiries repeatedly reporting on my credit report from XXXX XXXX XX/XX/XXXXon my Equifax Credit file and I never authorized or applied for credit with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: FL

Complaint narrative:
I have inquiries repeatedly reporting on my credit report from XXXX XXXXXX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
Last year I was approved for a Discover Secured Card. After I sent Discover the deposit my credit card was mailed. Next thing I know Discover closed the account and they didnt even send me a letter. Since then I have tried to apply for a new Discover card and each time I apply it declines stating previous experience with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 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: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted. 

COLLECTION {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-23 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: CA

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate as unknown hard inquiry 's on my credit report. Since, I have also disputed over the phone. To this day, over 60 days later, I have not been able to have then remove the inquiry 's that are not mine. I feel that I am being taken advantage of and my problem of them not being mine are being ignored. I demand these accounts be deleted or i will file for litigation. My information was also impacted by both the Equifax data breach and XXXX data breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im having a problem with Capital One Im currently going through XX/XX/XXXX and making payments of {$100.00} every time I make a payment whether its before or after its due date they continue to report it late even when I pay it early Im so sick of this I canceled the card the guy wanted to give me a lecture I dont wan na hear your lecture Ive tried to dispute so many situations with you guys and you do not care about the individual you only care about the dollar and the company I am writing to everyone I am so sick of the way you run your system and you wonder why people are broke homeless XXXX XXXX  and Im not one of those people Im a fighter I went to XXXX XXXX XXXX for four years I paid {$80000.00} to go toTo go to school

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service
State: NV

Complaint narrative:
I noticed a severe drop in my credit score a few months ago and was able to see a negative mark from Clark County Collections. It shows the account was opened XX/XX/2017 although it was only a few months ago that I saw it on my report. I sent a letter on XX/XX/XXXX - Informing them they did not contact me in writing to verify the debt within five days of initial contact, in this case posting the derogatory remark on my credit, stating that I did not accept the validity of the debt, requesting that the remark be removed, requesting that all further communications be delivered in writing. 

On XX/XX/XXXX I received a letter from CCC stating that I was notified on XX/XX/17 about the debt. I was not. Further they did not include any information Validating the debt, only a print out of what their company claims as a chain of contact attempts. No copy of the original bill, no copies of anything I signed agreeing to be in any way charged or indebted and no copies of original letters. 

The only hospital visit I had offered a no-insurance 87 % discount if paid in full at the time of discharge. I made this payment at that time. I am not sure if this in regards to that hospital stay or something else as this company placed a remark on my credit report without ever substantiating the debt or providing any written contact until after I sent the letter above and stating that I would be making a complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had two Comenity Bank cards that were paid off in full never late three years ago. Since then I have been placed on a black list and any of their Cards I apply for gets declined for no reason.

Company response to consumer: Closed with explanation