vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
More files to upload to previous of which I was not allowed to upload more then 10 MB at a time, as the total file is over 39 MB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NV

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm not sure if this can really be under this category. But I STRONGLY believe that those who have loans from CAPITALONE BANK and are affect by the COVID-19 virus, in terms of financially, are not able to receive any aid from the bank. Capital One continuously claim on their websites that they are trying to aid people that are affected, but when customers are trying to access whatever kind of aid this is ( They never specified what type of aid will be distributed to their consumers ), they are told to call the company. The company then prompts us consumers to use their online sources that are 'available ' to aid us. When we arrive there, nothing is there to actually help us. For instance, I have an auto loan tied with Capital One. Due to the virus, i'm unable to work. As seen from other banks, they are giving their members benefits such as free months until the end of the summer or something of the sort. Capital One states that the are there to help when in actuality they are not providing us any tools or methods to help aid us through these troubling times. Not only is there a virus going on, but I am going to be in debt because of this company. There is no sympathy being provided nor is there any type of relief. In conclusion, Capital One fails to aid their members at desperate times such as the one we are currently in. They are lying to our faces, saying that they will aid but are not providing any. I'm infuriated, I have to worry about more important things such as the health of my family. Not about this bank, who should be there for their members. Completely unfair and definitely puts them behind their competition on this one. No loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Fraud I did not purchase - the dispute is with Pay pal - A full and correct investigation needs to be done. Pay pal closed my case with out doing proper and invetigiation. Pure laziness. Below is the information I have of the fraud activity is to a shipping addresss in the state of PA when I reside in the state of DE.

XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX ) Payment - {$270.00} Shipped to XXXX XXXX XXXX XXXX, PA XXXX United States Have you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Category Retail Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: NV

Complaint narrative:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
XXXX Mortgage sold two of my mortgage loan to NewREZ /Shellpoint Loan Serving in XXXX. 
I no longer have access to the monthly statements from XXXX to XXXX   2019 monthly statement from XXXX Website, called them, their VM said they are out of business and contact the new loan servcer, which is New Rez, called them, sent multiple emails to them request the missing monthly statement and ask them to give detail break down how they come up the XXXX amount, which is not correct to me, ask them about my two loan escrow account, NewRez told me they don't have any of the records for me. 
don't the government require them to keep all the loan records and payment records for 7 years? I only requested the record of 2019.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I was solicited through a credit report check, through XXXX, that I was pre-approved for a Capital One platinum Mastercard with an introductory limit of {$500.00}. I went ahead and applied, and was approved. In XXXX of XXXX, I received this card, with a lower limit of {$300.00}. I installed the app and had everything on my XXXX as well as my XXXX. I made no purchase for a month. I then made purchases and never received my statement, either online or by mail. Everytime I went to the website to access my account it said I wasn't able to access my account and had to use the app to verify my identity, when on the app it told me to go online or call the support number. After many attempts and 2 emails saying only that my bill was due, with the least amount owed being {$25.00}, I called the customer support number on the back of my card. I was never offerred nor could I reach a live person/agent to speak to. So, I went ahead and made my first monthly payment, and I believe around XXXX, after some other failed attempts at accessing my account, statement, speaking to support, and nothing in my mail, I finally gave up on trying to get this run-around to pay my balance. I assumed I would receive something in the mail, and my bank account was linked to this account, also, for payments. I never recieved any correspondence either through email ( an automated email monthly when tried to access was referred to app, didn't have access/locked out, no customer support other than a number to autoteleservices and payments ), or postal mail. I went to access my funds at the local grocery store in XX/XX/XXXX and was declined with an ending balance of less than {$300.00}, plus my payment. I was given no ability to pay other than automated payments with no account information or even receipt of payment. Now, of course, this card claims to have me in collections to which I have attempted a dispute. I had ability to pay but now I don't. I believe this was a scam to access my info, bank account numbers, and deny me a right to full disclosures and a fair accessible way to pay. It has negatively affected my credit, which was the point of opening a credit line to begin with, rebuilding my credit file. I am still as of XX/XX/XXXX trying to access this account and speak to capital one, not the collection company they sent my account to. Without 1 statement in the mail. Not 1 attempt to contact me at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
More files to upload as cfpb does not allow more then 10 MB, and total MB I have regarding is around 39 MB

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 2020-04-17 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Hello CFPB! Hope you guys are doing great! Please forward the following documents to GM Financial. Thank you and be safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am XXXX XXXX military personnel, I have my money deposited for my loan to be paid and USAA is to take the money out as scheduled on the 15 and 30 of each month. The money just sits in the account to be drafted on the specific date scheduled. I have spoke with representatives that are extremely rude, I have also tried to speak to a manager and the leadership refuses to speak with me as well. USAA takes the money out 3-5 days later when the account is lower than the loan amount and then reports to my credit the loan is being neglected which has taken my credit score down 70 points. As a military personnel I am unable to always call as to why my account is authorized for auto draft. These false reports is causing my superiors to be alarmed thinking I have a failure to maintain financial responsibility. I need someone to please assist me so I can continue to do my job in protecting our country with a clear state of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TN

Complaint narrative:
This dispute involves Experian, XXXX, and XXXX. Each of the three agencies is erroneously reporting incorrect information. Experian, in particular, is reported my last reported name as XXXX XXXX XXXX. I have never used this name and demand strict proof that it was reported to Experian. I demand its removal from my credit report and that my legal name and the only name I use to be secured there instead. XXXX XXXX XXXX. On XXXX, party/parties unknown accessed my account in the Georgia DMV and requested an address change as well as a copy of my file to be sent to them. I have filed a complaint with the Georgia XXXX and have requested an investigation as well as prosecution to the fullest extent of the law. My current address is XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX, but each of the three credit reporting agencies is reporting XXXX XXXX XXXX  # XXXX XXXX, Georgia XXXX as my current address. I request that all prior residences be removed from my credit report for security purposes leaving only my current address. I also request that all employers or past employers be removed from each of my reports for security purposes. I request that any inquiries seeking credit or information be met ferociously and that I will be contacted by any attempt. Each of the three agencies refuses to update my XXXX XXXX  account and are severely inaccurate in reporting which in turn interferes with my credit.

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 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My wife and I both have Capital One credit cards and our payment is on auto payment on the XXXX of each month.On the XXXX of this month, we called them to ask for XXXX 's payment to be held back because we are affected by the COVID19 emergency. We are both retired and we are just receiving SS pensions and we had to use our funds to stock up on essentials to cope with the emergency. We talk to a foreign CSR and told them of our predicament and our request for deferred payment. We were transferred to a " local '' agent to finalize our requests and she agreed to grant our  requests. On the XXXX we check our bank account and our request weren't granted.They STILL TOOK OUR PAYMENTS FROM OUR BANK.SO WE CALLED THEM BACK AND WAITED FOR 85 minutes. We talked to another 'foreign CS named XXXX and ask why our requests weren't granted. He could hardly understand me and we couldn't hardly understand him.XXXX, misunderstood our requests that we wanted the auto payment cancelled which was very different from our original requests.. We had to borrow to cover for the funds that we thought wouldn't be taken out of our account to avoid be overdraft on our other expenses.Why don't they use CSreps that will be easy to understand and we can understand. They publish info on how the company cares and will help in this emergency we are experiencing. Not true at all to us. They are all for just profits, PROFITS AND MORE PROFITS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
The company was told to cease and desist, they however filed a civil action, talked with XXXX XXXX and they said have file sent back. I spoke to collection company and they refused to send it back and said it does not appire to meet requirements because your not working ( covid-19 related ). I told them I have zero assets, no income, etc.. however the XXXX XXXX was willing to work out to prevent further issues due to situation, the company refused. I was never notified by company of any pending action or civil filing, the company apparently filed after I said to stop calling me and said it was harassment. 
If they would have sent it back to XXXX XXXX  as requested then it would be handle by me though them but they refuse amd rather file civil action on a emergency service volunteer who lose job due to covid-19 and has no assets or income and only a joint bank account with someone that is under social security XXXX and health issues, they don't care this affects a XXXX XXXX under SS, a XXXX   individual, or a child all in problems due to covid-19, they rather keep file for civil then send back to snycony so I can work it out as they said due to situation they can work out arrangement on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NM

Complaint narrative:
Medical Data Systems Inc. reported a collection account that was previously paid. I called the company at XXXX. I spoke with someone named XXXX, but she refused to disclose her identity beyond her first name. I was directed to XXXX XXXX, the manager. He refused to give me any sort of straight answer while I was speaking with him over the phone. I asked him about the status of the account, but he was unwilling to answer why the account was still listed as open despite the debt having been paid. I requested an account statement or a statement of XXXX balance, but he told me that he was going to give me the phone number of the legal department or hang up. He started counting from 1 to 3, then proceeded to hang up. There was no legal reason for him to have hung up the phone. I retained a copy of the call recording. I was polite, courteous, and professional with him. He was yelling at me while we were speaking. He refused to address the problem. After he hung up, I called back and left a message on his voicemail informing him that I would be filing a complaint here. I have not heard back from his office.

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 2020-04-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to use my card for a business purchase on the XXXX of XXXX, 2020 to find that my card declined I though it might be due to the bank suspecting fraud on my account that didnt let it go thru. I called the bank so I can speak to the fraud department they advised me that closed my business card and personal card because I was a risk to the bank. They advised me that that I was risk because I applied for other credit cards recently to get a 0 % percent interest rate to do balance transfer from higher interest cards. I feel like the bank is profiling me because I have never missed any payments with the bank or any of my other credit cards and on top of that I have over {$22000.00} in my checking in saving account with there instatuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: MO

Complaint narrative:
My wife XXXX XXXX XXXX and I, XXXX XXXX XXXX, have been clients of Credit Karma for years. We have done our taxes though them for the last 3 years. This year they decided to offer a savings account that your refund could be automatically deposited in. We decided to accept. We did but we were never given an account number nor an account number for this savings account. We tried to link my wife 's ebank info to this account but because it was under my name, they would not allow it. So I have been trying to set up an ebank account and finally achieved that on XX/XX/XXXX. Even tho, the check is in both of our names. Taxes were file on XX/XX/XXXX. On XX/XX/XXXX our tax refund of {$48.00} was deposited in said savings account. I have made contact by email, and online chats as Credit Karma in its great wisdom does not provide a customer service number so you can talk to a live agent. Since I was rightfully upset and told them I wanted the account closed since they would not let me link to the savings account now, I told them I had already complained to the better business bureau and intend to contact the MO AG and our local sheriff 's department. In the meantime, our stimulus check was deposited in Credit Karma savings account. So now there is {$2400.00} in said account.I have kept all of those complaints and their replies which are ridiculous.Next I get an email telling me that I have to use the phone to take pictures of my drivers license and a utility bill after logging into creditkarma.com/id-verification Okay, done. They send a code which they never asked me for. I did as they asked, took said photos which were promptly rejected. The email also told me that I would receive a counter check in 15 to 21 days after they accepted my id info. As I said it was all rejected and I was told to contact support again which I tried to do by chat but no agent ever showed up. I did report them to the XXXX XXXX XXXX of XXXX XXXX. However the bank they used for the savings account is XXXX XXXX, XXXX out of WV. I found out that a lot of people have had problems with Credit Karma savings accounts and the reviews are extremely bad. I will be closing all credit karma accounts and taking my taxes elsewhere from now on. 
As of XX/XX/XXXX XXXX XXXX I have received no reply email after sending yet another request to Credit Karma through member support to tell me how they intend to take care of this situation. So I can only assume that they do not care enough to provide a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit Control LLC. XXXX XXXX XXXX XXXX No XXXX and XXXX XXXX XXXX XXXX MI XXXX. 

Credit Control LLC. started calling me daily once the stimulus checks were announced XX/XX/XXXX-XX/XX/XXXX daily and then sent letter stating they would garnish my tax return/stimulus check for the so called amount owed for a debt by XXXX XXXX XXXX without presenting any proof or information other than amount due {$1300.00} with no credit information or address. I have sent them my response but PO Boxes do not accept Certified mail.

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