vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Name : XXXX XXXX Phone : XXXX e-mail : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I booked an award flight with capital one on XX/XX/XXXX redeeming XXXX capital one reward points ( Trip ID # XXXX with capital one, and Agency Reference Number is XXXX ) for 4 passengers flying one-way on XX/XX/XXXX from XXXX XXXX, CA to XXXX XXXX. The flights were reserved using capital one reward points to fly with XXXX airlines. The airlines ended up canceling the flight for what seems to be based on covid-19 concerns, but they were never reachable since before then. On the other hand, I tried communicating my request for a refund or flight credit with capital one, but they also indicated they are not able to reach out to XXXX airlines. I reached capital one via the following numbers XXXX and XXXX ( for their travel department ) since XX/XX/XXXX and throughout almost every month after ( more than 14 times and wasting many hours of being on hold and getting no where with them ), and they finally opened case # XXXX with their travel center in XX/XX/XXXX acknowledging that this is something they would be able to resolve. Capital 's initial claim back then was they would keep on trying to reach to the company for issuing me the refund, and they would give me monthly updates. The fulfilled that promise for 2 months only and then never called after, at which point I started calling them back myself again. On XX/XX/XXXX, I called capital one again, and they told me the company XXXX is out of business, and capital will be therefore refusing to refund the points back to me given that the company is not responding to them. 

My request is to at least refund me the XXXX capital one points back to my account given that the booking was fulfilled with capital one and I was never able to be even given that flight or a replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and my newborn and son are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX 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 monetary relief
Consumer complaint received 2021-06-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
There is unknown inquiries listed on my credit report from CAP ONE NA, dated XX/XX/XXXX and XX/XX/XXXX. I have no knowledge of this company nor did I give consent to authorize anything. CAP ONE NA did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 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: NC

Complaint narrative:
I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and XXXX XXXX and XXXX are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

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 2021-06-01 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: NM

Complaint narrative:
I received an email from XXXX XXXX on Saturday, XX/XX/XXXX informing me that there was a hard inquiry on my TransUnion credit report from XXXX XXXX XXXX XXXX. I had never heard of this bank nor did I request credit from them. 

I contacted TransUnion by phone today ( XX/XX/XXXX ) and they confirmed the hard inquiry on my account and said I should contact the FTC to file a complaint and have the hard inquiry removed from my account. I called the FTC and was referred to XXXX where I was then transferred to this website.

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 2021-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
Coinbase withdrew {$990.00} from my Ct XXXX XXXX. ( said they are not liable. )? 
May 10- 12 withdrawals {$190.00} ,5 times. Co. They would have taken more money out if more funds in there. I also filed claim with Ct Banking though i live in Ma. now.

Coinbase has no live person to talk with. Emails are robo auto responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
Disputed Amount : {$150.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX I purchased 2 plane tickets from interjet to celebrate my honeymoon in XXXX in XX/XX/XXXX. Due to the covid-19 pandemic, we were forced to indefinitely postpone our honeymoon plans, and we contacted XXXX at this time to inquire about their refund/cancellation policy. 
XXXX was unable to refund us the money, so they proceeded to give us a voucher number to be used no later than XX/XX/XXXX. No written communication was ever made by XXXX regarding the voucher. They only provided a voucher number over the phone to be used at the time of rescheduling a future flight. We now just found out that XXXX XXXX has filed for bankruptcy and suspended operations indefinitely. We paid for a service we did not receive, as we never got the opportunity to use our vouchers. We have attempted to contact XXXX XXXX multiple times, but the phone number is disconnected leaving us no way to get our money back. Also, their website is currently down and not operational.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have a problem with CoinBase they block my account without reason. 
I have tried to solve with them but was impossibe. 
They dont solve my problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Months ago an Amex credit card account showed up on my credit report that I never applied for. 

I have filed several disputes through the credit bureau all of which told me there was 'proof '. I called Amex several times ( Customer service, Fraud, etc ) and they tell me every time I need to get in with the credit reporting department ( XXXX ) and this menu has zero options that reach an operator. Every single option ends the call with no option to speak to a real person. 

American Express refuses to remove this account or even provide proof that the application was mine. Because they have none!!!! 

This company CLEARLY has application verification processes that are too relaxed. This would be ok if they had a robust fraud prevention team, but that is not the case either. INSTEAD, American Express doesn't care if someone who applies for their cards is real or fake, and if they're fake Amex doesn't care to fix it. I guess money is money for them. 

But that doesn't stop them from leaving it on my report and shutting down every dispute I submit through the bureaus. 

This is unfair, my opportunities are being stripped from me, and someone else is profiting off of all of this. 

I need help and American Express is failing me for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
If you can not provide me a copy of verifiable proof after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2021 I mailed in letters along with a photocopy that I printed of my license and social security card. I have yet to hear any response with either validation of these inaccurately reported items or notifications that they have been removed. 
I am aware that according to the FCRA laws they are required to act within 30 days. Its been 60 or more days at this point and my rights are seriously being violated. 
Ive tried to contact these companies via phone and been given the run around. I demand that these companies uphold the law or proper litigation will follow these complaints.

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 2021-06-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). This will make a negative effect on my credit transactions. That's why I want this to be taken care of.

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 2021-06-01 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: TX

Complaint narrative:
wrong info : FCRA violations : XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX XXXX XXXX XXXX, LA, XXXX They forgot to put good trade-lines history but remembered the bad ones! 
FCRA violations : see attachments for all the evidence you'll ever need see here also : 1 ). 
XXXX XXXX {$0.00} Closed Unknown payment history 2 ) XXXX XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX 3 ) .XXXX XXXX {$0.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} more mistakes no banks or credit union lends to someone that didnt pay them so this has to be a mistake looks at the date : SEE attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX XXXX Bank has allowed multiple credit cards to be opened in my name. I have reported this to them, only to have the same issue repeat. They have also allowed someone to access the account, change the address and online access, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am someone that has some XXXX and have still been trying to work with Toyota Financial services. I have a loan with Toyota Financial Services. I am trying to work to find out why they forced me to change our first Loan agreement. They changed the interest of the loan. They refused to give me a chance to speak with someone before forcing me to sign a new loan agreement, under threat of taking the car back Immediately and loosing the money that had been paid into the loan. 
I made three payments in one month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they put all three to Interest. I did this to try and pay the loan amount fast, but it went up and they kept the extra payments .My payment on the second contract that was supposed to be XXXX I paid XXXX on XX/XX/XXXX they took all of over payment for interest and loan went up again I asked if their was a penalty for early pay out and was told there is not. 
They talk me into paying Extension fees in Advance on XX/XX/XXXX. I paid XXXX last year for three extension in advance XXXX each I was told I might need them if I could not make a payment for any reason and did not want to pay a penalty charge. 
I have paid over XXXXand the loan went up from XXXX last year to XXXX this year. 
I made a call to Toyota Financial Company and let them know they were being recorded In XXXX of XXXX on call I was told that something was wrong, It does not work like that that cant be the amount I owe. They need to talk to a Supervisor, that there could be no way it was going up like this. When he got back on the line he demanded I stop the recording and Erase it or he would end the call .He refused to send a Break down of what went to Interest and what went to the loan and how the extra payment were Applied. He said that he did not have to send me a copy of loan payment history or how it was applied. I only have copy of loan being paid and staying the same. 
They raised the Amount of the loan agreement with out me agreeing to it, and said I had to pay the new amount .I told them that not legal or is it binding to change a loan agreement its a violation of a contract. But I was told they could change the agreement at any time, and did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: FL

Complaint narrative:
XXXX # XXXX I took out a loan with Lending Club and as of XX/XX/2021 the payments were supposed to be sent to the creditors I chose to pay off with this loan. They stated to give it 4-7 business days for the payment to reach. This would have been XXXX/XXXX/21. I have since called them every day and sometimes twice a day to find out where they payment was. As of XXXX/XXXX/21, the 1 creditor which had not received the payoff sent notice to the credit bureau and marked my count as delinquent. Because of this, my credit score dropped a total of XXXX pts. I am under contract and trying to purchase my first home. This credit score drop could really hurt this and it's not my fault. I really need someone's help asap. This has now been going on for 6 weeks. And, I keep having to pay my previous loan. Also, payment is due to Lending Club, but I don't feel I should have to pay for something I have yet to receive the benefits of! When is enough enough?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have settled an account with chase and they are still reporting charged off instead of settled on my credit. I have the letter showing it is settled and they will not update credit to reflect that. They told me that the credit would be updated to reflect that and it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. I know you guys have 30 days to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been well over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me please help me with these negative items on my credit report it has been well over 60 days at this point I demand for these negative items to be removed it has caused me stress and failure to get employment please and thank you

Company response to consumer: Closed with explanation