vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Between XXXX XXXX and XX/XX/XXXX there were multiple fraudulent " rubber checks/payments '' and charges made to my credit card during the time my identity was stolen. When Capital One 's " Credit Wise '' program alerted me in XX/XX/XXXX of the odd activity on my account, I immediately contacted Capital One claiming my account was hacked, that {$1300.00} in fraud charges were made and that my account needed to be locked. I cut up my credit cards, filed a local police report, and Capital One stated that their " FRAUD '' department was going to investigate. ... ... Well here we are 3 years later and in XX/XX/XXXX I get a letter from a collection company saying I owe {$3600.00} on this card, that CAPITAL ONE CLOSED, due to fraud. Even though I was making payments on the amount of money I personally owed on the account. Since XXXX I have spoken to number Capital One agents in both the Recovery Division and the Fraud department, and NOTHING as been done. Every time I call them to check the status, either no one knows what is going on, or they say my information has to be " RESUBMITTED ''!? Um, I thought it was submitted the last time we spoke?! I am trying to get a MORTGAGE and this is ruining my credit and the pre-approval amount I am allotted! This company is one of THE WORST CREDIT CARD COMPANIES EVER! I had this card opened since XXXX, and this was how I was treated! I would never suggest anyone use them! Not even their supervisors can ever do anything to help you! It's absolutely ridiculous! 3 YEARS OF FRAUD!!!! I received a call today XX/XX/XXXX from a fraud department agent stating that they were not going to change anything because my credit card had a chip on it and because I physically had the card with me, that it could not be fraud. Well sorry to break the news, but in XXXX chip readers were fairly new and not installed yet in all stores. Also, it is very easy for someone to steal your cards information and create a duplicate card, with a chip, and us it as if it were you! They will not do anything to help me at all. This agent apparently has no clue, or chooses to be naive about the fact that nowadays many people create fraudulent cards with real information, that they use for in-store purchases. I didnt know that was a thing I thought most fraud was either with ( physically ) stolen cards or online with card information which was jotted down. I didnt realize that people created fake cards with information from real cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Previously, I filed Complaint with CFPB COMPLAINT ID : XXXX. 
But I am not satisfied with an answer from EQUIFAX because it doesn't have proper answer rather just general information. If they don't have specific information then they should have asked rather than closed the complaint. They are asking to call or email on such and such contact but they never provide solution. You can hear recording of my previous call, how much hard time I faced during call to explain the concern person and he ended up by hung up my call. 

My problem is there is comment on my Equifax report stating " REMARK HAS BEEN ADDED TO YOUR XXXX  XXXX XXXX CREDIT CARD '', now I don't know where this remark came from even if my amounts are paid off. When I asked about this to XXXX  XXXX XXXX, they said just contact Credit Reporting Bureau, they have nothing to do on their side. Its credit reporting company who adding such remarks. So, I just want to know who will tell me the facts rather than playing ball passing game. 


Here is the Response from EQUIFAX for my Past Complaint : " '' '' '' Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to take each complaint seriously and to respond to complaints swiftly. We have reviewed and considered the information you supplied through the CFPB Complaint Portal. The results are below : Please be advised that there are hundreds of credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Unfortunately, we are unable to proceed with an investigation of the concerns raised in Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. If you have any additional questions or concerns regarding the results of the investigation and/or your Equifax Credit Report, please visit us at  www.myEquifax.com. At myEquifax, you may sign in or create a free account where you can manage your security freeze, fraud alert, and disputes and access free Equifax credit reports and other products. You may also contact us at XXXX to speak to a Customer Service Representative. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: LA

Complaint narrative:
I pull my Equifax credit report and saw that my report had errors on it from this particular account. Showing High balance is lower than owed balance, high balance is showing {$7600.00} and owed balance is showing {$9600.00} please removed this immediately from my report. 

XXXX & XXXX Account number XXXX High balance : {$7600.00} Owed balance : {$9600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I opened a prepaid debit card account with XXXX XXXX XXXX  a part of PNC Bank to receive my direct deposits from my state unemployment benefits. The account was fine and I was receiving my direct deposits for months now. Then the following happened. 
I was asked to submit a summary and identification on a most recent direct deposit into the prepaid XXXX XXXX  XXXX account. I emailed them the summary of benefits from the state unemployment. They then asked me to verify my identity and I sent in my drivers license and birth cert. They then said my drivers license address didn't match my address on file. My address on file is my family 's address and that is where I live now since COVID-19 and same address as my benefits. They asked me for a phone bill so I sent that along with a bank statement from the address in my name. I did all of this. They are refusing to release my money. WORST part is that I was asked all this same info 2 months ago in XXXX and I sent it all in at that time and it was all cleared and my account was fine. Now 2 months later same issue and they are not releasing my money. I believe this bank is not a legit bank even though their card is issued by PNC bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NV

Complaint narrative:
I transferred {$170000.00} from my XXXX XXXX account to discover bank account on XX/XX/2020. I received an email from discover saying the funds have been transferred successfully and will be available on XX/XX/2020. When I checked the discover account, the money had been reversed for some reason but the money never made it back to my XXXX XXXX account. I have spoken to multiple people at both XXXX  and discover without any results. All I know is that the money left my XXXX XXXX  account and was electronically transferred to discover bank account on XX/XX/XXXX. Discover bank is telling me they never received the money. XXXX XXXX never received a notification that the money was being sent back. It has already been two weeks and discover has not settled this matter to my satisfaction. Either discover has stolen the money or it has been grossly mishandled. Either way, it is not acceptable. I need the money returned to my XXXX XXXX account without delay. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC
State: CO

Complaint narrative:
On XX/XX/2020 LoanCare reported to XXXX  that my loancare account was delinquent. However, my loan was paid off in  full on XX/XX/XXXX and the previous payments and credit reporting were and are protected under the CARES Act. Would you please correct this reporting error as soon as possible as I need my credit restored. 

Thank you!

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 2020-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX has attempted to collect XXXX dollars from a cable bill from Oklahoma. They have used 3 different collection agencies and every time I get this item removed as not being mine ( identify theft ) when the new collection agency gets it I have to speak with the 3 bureaus and write to this board. I do not owe this debt and I have never lived in Oklahoma. There has to be a law against those type of harassment by XXXX XXXX and the most recent Debt collector. Originally I had also filed with the XXXX XXXX in XXXX, Florida a police report to dispute the original collection attempt.here is the name of the new agency : CONVERGENT OUTSOURCING Past Due Amount : {$1700.00}. My phone is XXXX. This has lowered my Credit score from XXXX to XXXX and you can imagine is causing me heart ache.

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 2020-09-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2020 I applied for a commercial mortgage with XXXX XXXX of Fulton Financial Corporation dba Fulton Bank. I was referred by a former employee and thought it would be a simple process. Turned out, that I was racially profiled and unfairly treated by Fulton Bank representatives. When working with XXXX, I thought that I had done something wrong to her by the way she treated me. It turns out she had a vendetta against the previous employee, also XXXX American. She treated me like trash and ultimately, I was declined for the loan. This was particularly frustrating because I was immediately approved by 4 other banks within a week of being wrongfully declined for credit. When I spoke to the bank supervisors they could not provide me with an adequate reason for denial since, My credit far exceeded the minimum require credit, my debt to income ratio was well below 30 % which is more than adequate for the financing and my experience exceeded the minimum requirements.

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 2020-09-25 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: TN

Complaint narrative:
THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my Veterans service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THE U.S. Department of Education approved my student loan discharge in the amount of about {$53000.00}, due to my XXXX service connected XXXX. I have supplied each bureau with disputes and documents twice, and have not gotten accounts removed. In addition there are entries that I have disputed of companies that performed credit checks that I did not authorize and XXXX  fails to remove account along with a XXXX XXXX secured credit card that is past my state 's statue of limitations on reporting and although the bureaus claim to conduct a honest and fair investigation, this could not be possible because This account, secured credit car, I never opened.

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 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My house payment is {$3000.00}. On XX/XX/XXXX and XXXX I sent payments to BofA through my online banking account with them for {$1500.00} each. On XX/XX/XXXX I messaged them to apply these amounts to my payment due XX/XX/XXXX. They have done this for me multiple times before, including in XXXX. This time I received no response and the amounts were not applied. I messaged BofA through their 'contact us ' feature three more times up until XX/XX/XXXX. Then I began e-mails. On XX/XX/XXXX I finally received an e-mail back from 'Mortgage Servicing Executive Escalations ' stating they had received my complaint and would respond to me soon. One week later I have heard nothing and my payment now shows past due. I tried calling and after navigating the automated system to try to speak to a human being I was told the wait would be 60-90 minutes.  I did not feel it fair to wait that long since I had messaged and e-mailed them multiple times for a payment that I made early and over the required amount.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2020 : I ordered XXXX light fixtures from XXXX, each costing {$200.00}, for a total cost of {$410.00} charged to my Chase United VISA credit card account. 
XX/XX/2020 : Two packages were shipped from XXXX XXXX, NJ, Package # 1 ( XXXX   XXXX ) and Package # 2 ( XXXX  XXXX ). 
XX/XX/2020 : Package # 1 ( XXXX  XXXX ) was delivered to me. This package contained one of the light fixtures I ordered in good working order. I do NOT dispute the charge for this item. 
XX/XX/2020 : XXXX posted a delivery exception for Package # 2 ( XXXX  XXXX ), noting that it was damaged in transit, that they were unable to deliver the shipment, and that they were returning it to the shipper. I was not contacted directly about the package except via the XXXX  Delivery Manager email. Package # 2 was NOT delivered to  me, and I did NOT make the decision to return the damaged package to the shipper. 
XX/XX/2020 : Damaged Package # 2 ( XXXX XXXX ) was delivered to the shipper in XXXX XXXX, NJ, signed for by XXXX XXXX at XXXX XXXX. I dispute the charge for this item, which I did NOT receive. 

I should note that I tried to contact XXXX once by email and twice by phone after XXXX  notified me that one package would not be delivered to me. I received no response from the company at all. 

On XX/XX/2020 I filed a dispute on the Chase VISA website for the charge of the fixture I did not receive. The website did not provide for submitting any documentation. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I sent a letter to Chase via fax, along with all the documentation, to dispute the charge, and I followed up with a phone call on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Chase saying that my dispute was rejected. 

On XX/XX/XXXX, I called the Chase dispute number to plead my case. The person I spoke to reviewed the material and told me that they did not understand that there were two packages sent and that I was only disputing receiving one, not both. She recommended I send another letter to explain more clearly and include documentation. I wrote a new letter to Chase and sent it with documentation via fax and USPS. I was told that the vendor had 35 days to respond. On  XX/XX/XXXX I received a letter from Chase saying that my dispute was rejected for the final time and that they will not consider the matter further. 

My documentation includes XXXX tracking records for two packages, and it clearly shows that one package was delivered to me and one was returned to the seller. It boggles my mind that Chase would reject such an obvious claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
During the pandemic I signed up for the Coronavirus relief program with my credit card with XXXX XXXX. I have a document from The bank confirming this, and an additional e-mail on XX/XX/XXXX stating my relief has been extended for 3 months I do not need to make payment for 3 billing cycles. 

Despite this XXXX marked me as being late on my XXXX monthly payment. This is incorrect and is significantly damaging my credit score. 

This has been disputed twice in writing and over the phone with the company. This late payment must be removed from 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 2020-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
When I submitted a complaint To your agency regarding Barclays, as part of the bank 's response, I was uploaded someone else 's credit file. Yes, using this site, Barclays shared with me someone else 's credit file. I tried to call Barclays and only got a voicemail that did not allow me to leave a message.

So, now I am wondering if this person 's credit info now a part of my file? How secure are our credit files? Has Barclay 's mixed my file into someone else 's? 

Simply look on your site, and you will find the file of XXXX XXXX and a letter written to XXXX XXXX uploaded to me. I am not XXXX XXXX. 

What a mess and invasion of privacy.

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 2020-09-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This was a long time ago but I just read that what they did may be illegal. I disputed a small charge on a jc penny charge because it was paid in person but not credited to me. I had late payments on my report because I was under the impression I was paid in full. The bank SYNCB cancelledmy Penny 's charge in retaliation for disputing that charge. To further punish me they closed my Amazon credit card even though I never made a late payment. What a poor business practice and such a poor way to handle that situation. This happened in XX/XX/2019 but I'm still experiencing the adverse effects of having the card closed by that seemingly disreputable bank. The action taken was clearly meant to punish me. I'm curious to know if the employee who did that to me still has a job there

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 2020-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am trying to apply for a mortgage however underwriting is holding me up because a 2nd mortgage that was discharged in 2010 is still showing as " active '' in the MERS system. 

We have contacted the MERS system and they have told us to contact Nationstar Mortgage / Mr Cooper to resolve. However, Mr Cooper states they have no record of the loan and can not help.

Company response to consumer: Closed with explanation