vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a loyal customer of Capital Bank Card for many years and have never missed a payment. The recent national calamity, COVID-19 pandemic has hit XXXX, NY, where my family and I live, probably the hardest of all in the United States. Because of this pandemic, my household income has changed so on XX/XX/2020, I called Capital One and humbly asked them to lower my current APR of 23.9 % (!!! ) to a lower rate. The answer was an unconcerned no. Capital Card 's usurious desire to profiteer in the times of a national tragedy is wrong. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a dispute certified to Equifax on XX/XX/XXXX regarding unauthorized inquiries that were not authorized for employment, insurance, or is it tied to any account. 

XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
{$400000.00} was transferred. They held the funds for over two weeks and utilized the float. Did not respond to repeated requests to release the funds. At 4 % interest {$660.00} in interest is due. Bad Business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a simplicity credit card that had advertising as 18 months interest free. They started charging me interest after 1 year. The did a bait and switch, and then sent me an email saying that they changed it to 12 months. I tried contacting them to get this reversed, but I was transferred around and nobody could help me. Now I am logged out of my account and can't log in. I have lost the information on my account and I can't even call to reach someone to log back in. There is no way to get my login information without my credit card or bank account number. I need to be able to retrieve my account using just my social security card. I also need the interest that has accrued to be removed as it has not even been opened yet. I opened the card XX/XX/2019.

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 2020-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am a XXXX survivor, I was laid off from work then I was hospitalized, when I was well enough I reached out to capitol one to explain and notify that I have missed the XXXX payment due to being in an Covid-19 impacted area and being hospitalized and asked if I could get an extension on payments until XXXX with no late fees and interest payments, which I was told would be honored, until my health insurance was being debited and the card declined due to the fact that Capitol one charged me late fees and interest fees for the month of XXXX and locked the card, I tried to pay my health insurance and was advised that I could only use the card on file due to everyone working from home, they are not allowed to take or change customer finance information on file. I reached out to Capitol One and they clearly stated that they were not honoring the directives of the Cares Act and demanded that I pay the minimum payment due before they would release the card so I can pay my health insurance. I was extremely ill and this is the time that they chose to take advantage of me. I was charged a late fee and charged interest payments for the month of XXXX that they stated will not be removed, which is a clear violation of the Cares Act

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a XXXX XXXX XXXX in California who works as a XXXX XXXX, I applied for the Paycheck Protection Program through Chase Bank as soon as Chase had the application available. 

First, there was not one word for over two weeks, then the funds ran out. 

After Congress initiated more funds, Chase said I needed to reapply with more information, which I did. I have my own income and pay 5 independent contractors monthly. I re-submitted all 1099 's, my Schedule C, bank statements, and an income statement. 

They came back and rejected my loan application because they said they couldn't determine my payroll. All of it was right there, well documented in black and white. I am being discriminated against because my loan amount was minimal ( {$30000.00} ). I applied through another institution, but a couple of weeks later and the docs went through fine, but this was two weeks down the road. Chase chose to NOT process my application and sent it through to the SBA for funding. 

I hold Chase responsible if I do not get a fair chance at the PPP funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
I believe this collection was opened in error with a name that is similar, this account is not mine. I believe that Experian, XXXX, XXXX did not proper investigate this matter. This account is invalid and contains multiple errors. 

The statue of limitations for this debt has passed, This creditor is not licensed in my state. 

I do not have a contract with this collection 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 2020-04-30 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MS

Complaint narrative:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on 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 2020-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

XXXX XXXX has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with XXXX XXXX. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

XXXX XXXX has no rights to collect in my state.

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 2020-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Re : Complaint of Breach of Contract XXXX XXXX v. Ally Auto Dear CFPB Please allow this letter to serve as complaint of breach of contract and continued discrimination by Ally Auto. In XX/XX/XXXX XXXX XXXX and Ally Auto entered into a contract for payment. 

The contract is the result of a conflict that emerged in XX/XX/XXXX where Ally Auto admits they misspoke concerning an alleged amount owed by XXXX XXXX on a XXXX XXXX XXXX automobile. 

Ally Auto partially corrected the billing history problem but failed to fully correct the issue and take responsibility for the financial damages it caused during months of disputes, confusion and the early reporting of negative information to XXXX XXXX credit file which they eventually removed. 


In attempts to avoid litigation in XX/XX/XXXX Mr. XXXX and Ally Auto Senior Manager XXXX agreed to a financial contract. 

The contract stipulates Mr. XXXX 's Ally Auto account will be brought current provided a payment was made at the time of agreement. 

The initial requested payment was made as agreed. 

The contract agreement also stipulates delinquent payment history for the month of XXXX and XXXX will be removed as owed amounts would be placed on the back end of the loan provided Mr. XXXX is not delinquent going forward. 

Phone transcripts records will reflect Ally Auto representative XXXX repeatedly confirmed the derogatory payment information would be removed from credit bureaus as part of the agreement. 

Ally Auto removed the derogatory payment history from Mr. XXXX 's credit files. 
Ally Auto without explanation replaced the derogatory information causing damages again to Mr. XXXX 's credit rating. 


Please note Mr. XXXX is current with no late payment since the execution of the contract with Ally Auto in XX/XX/XXXX. 


In an attempt to resolve this matter Mr. XXXX disputed the information with the credit bureaus and Ally Auto did not agree to remove it. This is a discriminatory breach of contract and predatory as Ally Auto purposely is damaging Mr. XXXX 's credit in hopes of preventing refinance options elsewhere. 


On XX/XX/XXXX Mr. XXXX spoke with an Ally Auto representative going by the name XXXX who stated Mr. XXXX was not eligible for a copy of the contract although the Sen. Manager XXXX never mailed Mr. XXXX a copy of the original contract as agreed. Mr. XXXX has kept accurate well documented transcripts of all calls and conversations for transparency and integrity. 


The Confirmation number of the contract in question is 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 2020-04-30 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}

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 2020-04-30 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}

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 2020-04-30 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have two accounts that both have wrong credit card balances : Wells Fargo Bank credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The WF card balance shows {$1000.00} on the Wells Fargo website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX XXXX XXXX ). Please assist.

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 2020-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
CREDIT MANAGEMENT LP Last reported XX/XX/2020 {$610.00} Open balance 11 XXXX XXXX  Original creditor XXXX   Opened XX/XX/2020 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Affected by natural disaster Original creditor name 11 XXXX XXXX  I had this debt resolved by Consumer Finance before under another debt collection and now it is back again. I was not the person who had this account..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: MS

Complaint narrative:
I have reviewed my credit report and found wrong, inaccurate fraudulent accounts on 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 2020-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2020 I checked my balance and transactions. My available balance was approximately XXXX, I purchased a part at XXXX for {$100.00} at XXXX XXXX on XX/XX/2020. On XX/XX/2020 I checked my account and there was a charge from XXXX for {$6.00} that had been purchased on XX/XX/2020. The XXXX purchased was moved to XX/XX/XXXX and an over draft of XXXX was charged on XX/XX/XXXX. I contacted the bank and XXXX said he would bring it to his manager. Then on XX/XX/2020 Ichecked my account and there was another overdraft charged. I called the bank and spoke to XXXX ( who identified herself as branch manager ) she apologized for not returning my call in timely manner. I attempted to explain to her what was wrong and she said she could not refund the charges and I need to understand how bank accounts work. She tried to tell me that the XXXX charge caused an overdraft before the XXXX charge came in. At that time I had XXXX something in the account ( so no overdraft ) but I was charged one. The next day because they moved the purchase to the next day they charged me another XXXX overdraft. 
I can do math and there is absolutely no way there was 2 overdrafts!

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 2020-04-30 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: Harvard Collections, LLC
State: CA

Complaint narrative:
To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

Harvard Collections has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with Hardvard Collections. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

Hardvard collections has no rights to collect in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid off my XXXX Loan # XXXX on XX/XX/2020. XXXX has updated the credit bureaus that the loan has been paid in full expect Equifax. I submitted a dispute to Equifax and the result came back as still owing a balance. The loan balance had been updated to XXXX and then Equifax placed a balance back on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I noticed there was a debt on my credit report and contacted Cavalry Portfolio Services. I received a call back from a place called XXXX XXXX who said they collect for the debt collector Cavalry. 
Through various communications and letters the amount given ( what they said they purchased & I owe ) changed 3 times. I spoke to several people and was offered a settlement around {$700.00} to close the account & remove from my credit report in which I agreed to just make this go away. Several times I spoke to a lady named XXXX. 
Each time I contacted them I gave them my PO Box as I never received any mail from them with this so called agreement they were sending. On one occasion I spoke to a lady asking when this agreement would be sent and was told it was in my best interest to go ahead and pay it today before it became a charge off and was on my report for 7 years. 
On XX/XX/XXXX I tried to get a loan for a house and was notified about this open account from Cavalry ( I had forgotten about ) and tried calling them again. On the third attempt I got a guy on the phone who was very rude and shut me down telling me he wouldn't talk to me and I should contact their lawyer at XXXX. 
XX/XX/XXXX I contacted the law office and spoke to a very friendly lady whom discussed the issue and then contacted Cavalry about a settlement on the account. Cavalry again changed the amount and told her nothing less than {$800.00}. 
The customer service at Cavalry is beyond horrible.

Company response to consumer: Closed with explanation