vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchase tickets to go to a trip on XX/XX/2020 of XXXX and was schedule to leave on XX/XX/2020 .The goverment shut down travels to go to the destination due to corona virus. I went through a company called XXXX  to try to cancel and was giving the complete run around the lady on the phone at the company of XXXX  XXXX at the time would not listen she sent me to a chat and told me she can not do cancel she only does booking. I went to the chat and there was no corresponse back i called back several days trying to cancel and went to manage my booking to cancel i did not get no email no phone calls.I put in a claim with my credit card company i sent proof i brought from XXXX  and sent the invoice to them. I explain in a letter the complications with the company and that they was not responding in regarding my cancelation situation after informing them and disputing.Capital one sent me a can not assit letter and told me i have to reach out to the company in which i had already informed them there is no way to contact them and they are not able to contact with this problem and i am being liable for {$960.00} In which i feel is not fair at all. I did want to go on this trip and i couldnt due to the pandemic and now its like because of this i have to pay they are saying i did not show proof of cancelation. How when the company did not sent me a cancel and was giving me the run around in order to obtain it.I am distraught with this and make things worst my hours was cut on my job i have finnacial difficulties already and now Capital one is not being understanding at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX I made a {$1000.00} principal payment on my Mortgage at the XXXX PA branch of Santander. The teller processed it correctly, and my receipt clearly states " principal ''. I expected the payment to be posted on XXXX, the next business day, but it did not adjust my principal balance. Their app shows they accepted my {$1000.00} payment, but it does not state a Principal payment, and it is not credited towards principal, interest, or escrow. My balance on my Mortgage did not change at all. On XXXX I contacted the bank through their website with no reply. On XXXX and XXXX I emailed XXXX XXXX XXXX, the branch manager in XXXX, who said she would contact the " mortgage company '' but I have not heard a reply. On XX/XX/XXXX I emailed XXXX XXXX, a customer service assoc in Santander 's Executive Offices, who said she would forward my concerns to their mortgage servicer. Apparently, XXXX doesn't care, because they have been contacted at least three times regarding this situation and have not replied at all.

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 2020-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XX/XX/2020 Dear XXXX XXXX : This letter is in reference to the negative payment reporting from XXXX XXXX, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to XXXX XXXX reporting department. I have been a customer for a number of years with XXXX XXXX with which I had an auto loan that was paid off and credit cards in addition. The XXXX credit card however is the issue. I did not receive a statement from XXXX XXXX in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from XXXX XXXX. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from XXXX XXXX have destroyed me credit report and I understand XXXX XXXX may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from XXXX XXXX about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling XXXX XXXX and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2020 Dear Capital One : This letter is in reference to the negative payment reporting from Capital One, that is now listed on my credit report. I called customer service last week and I spoke to two individuals, whom I was trying to get this issue resolved. The first representative with whom I spoke with was very rude and not pleasant in reference to my concern I wanted to address. The second person I spoke with presented me with the information, I needed to submit a letter to Capital One reporting department. I have been a customer for a number of years with Capital One with which I had an auto loan that was paid off and credit cards in addition. The XXXX  credit card however is the issue. I did not receive a statement from Capital One in two months, I was not aware a had a little balance on the credit card. I assumed I paid off the balance. My statements are sent electronically, but however I did not receive the two statements. Sure, enough if I had received the statements, I would have paid on time as I have done. I am sorry I just did not receive the statements. I checked my spam folder in addition, and I did not receive any statements from Capital One. What prompted my quick attention to my account was an email I received that stated I was two months behind. I could not believe this has happened to me, as this have never happened before. If you were to review my payment history on all three of my credit reports, you will see I have never missed not one payment on any of my accounts. This impact from Capital One have destroyed me credit report and I understand Capital One may show that my statements were sent out. I would never miss any payment as I want to keep my credit history up to standards. However, once I received an email from Capital One about the missing payment, I immediately that day made a payment of {$150.00}. I would never miss a payment without first calling Capital One and working out an arrangement. I would ask if you can please forgive this mishap and report my payment history back to great as it was before. I appreciate your assistance with this matter. I also appreciate the time you took to read my letter. Any questions or concerns, please feel free to call me at : XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MA

Complaint narrative:
I am filing this complaint against Equifax regarding my mortgage account with XXXX XXXX XXXX XXXX Since XX/XX/XXXX, they have been misreporting and changing my Date of First Delinquency. 
In XXXX of XXXX, I checked my credit report with Equifax and could see that XX/XX/XXXX was listed as my Date of First Delinquency in a string of late payments that went through XXXX of XXXX. 
This information matched my reporting from the XXXX XXXX XXXX. In XXXX of XXXX, I again checked my online credit report with Equifax to confirm that the string of late payments was removed since it met the seven year statute of limitations. Unfortunately the Date of  First Delinquency had changed to XXXX of XXXX. The Date of First Delinquency is the beginning of the seven year count for removal of late payments from a credit report. THIS DATE DOES NOT CHANGE!!! Even more disturbing is that by law the string of uninterrupted late payments following the First Delinquency Date are to be removed too. I disputed this information and no changes were made and the date actually pushed out again. 
Equifax has continually pushed out that date and I will never meet the seven year anniversary that will allow removal my late payments from my credit report. The Date of First Delinquency is now listed as XX/XX/XXXX. This reporting is in violation of the Federal Fair Credit Reporting Act. If you are unaware the FCRA law regarding the Date of First Delinquency and the following consecutive late payments please refer this complaint to your legal department. You are in violation and are now on notice. 
I believe this may be a computer generated issue and someone needs to review this historical information with common sense and not just assume the computer is correct. You are not reporting a full seven years, you are change the DOFD, you are removing single late payments and not adjusting the string of late payments that should be removed. 
I have attached two of my Equiifax credit reports showing the change in a date that should never be altered. Also attached is a letter from the XXXX XXXX XXXX XXXX notifying Equifax that it is reporting the information submitted by the bank incorrectly, that it is erroneous and needs to be corrected. 
Again, if you do not understand the law regarding the importance and removal of the First Delinquency Date and the sequential uninterrupted late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: MI

Complaint narrative:
We are loyal Capital One card holders. We use your cards for business purchases for our XXXX XXXX XXXX. One of my mother 's Capital One accounts ( ending in XXXX ) was cancelled. This is the second time this year that the account was flagged / suspended. The first time it was re-instated because of an Capital One error that your team acknowledged. 

This has happened again! The Agent  XXXX XXXX states that the account has been cancelled and our thousands of rewards points have been lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15 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: MA

Complaint narrative:
This complaint is regarding Tranunion and it's reporting of my mortgage account with XXXX XXXX  XXXX XXXX XXXX. I have submitted countless disputes regarding Transunion reporting of my First Date of Delinquency. They have continuously changed the First Date of Delinquency. THIS DATE DOES NOT CHANGE. It is the marker for the seven year count. XX/XX/XXXX was the First Date of Delinquency with the XXXX XXXX XXXX XXXX XXXX  and their reporting reflects that information. I continued with uninterrupted late payment through XXXX of XXXX. In XXXX of XXXX I met the seven year mark therefore XX/XX/XXXX and all the following uninterrupted sequential late payments should have been removed. 
With my last dispute Transunion changed my First Delinquency Date to XX/XX/XXXX stating their decision was based on the Statute of Limitations. Please use some commonsense when reviewing this decision. If late payments are coming off of my report because they have met the seven year mark, ALL THE LATE PAYMENTS ARE TO BE REMOVED. This is based on the Federal Fair Credit Reporting Act. If you are not familiar with the FCRA, the Date of First Delinquency and the removal of sequential late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT. You are in violation of law by not reporting this issue correctly and should now consider yourself on notice. I have attached a letter from the XXXX XXXX XXXXXXXX XXXX XXXX reflecting their disapproval with your reporting of the information they have provided 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 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a capital one platinum card and recently found fraudulent transactions on the account. The rep i spoke with closed the account and I'm having to wait 7-10 days for a decision to have it reopened. I was not told the account was going to be closed or did I receive an notification that this had happened until i looked at my bill again and noticed additional fraudulent charges and call back. Please help me to get my account reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX transferred my loan to Select Portfolio Servicing , Inc. while on a loan modification trial period, which is against the terms of the attached contract. I entered into a loan modification contract with XXXX  XXXX XXXX on or before XXXX, which was the due date of the 1st trial payment ( see Offer/Acceptance Letter attached ). I made all 3-month trial payments on time ( see attached payments confirmations and copies of checks ). On XXXX XXXX  XXXX XXXX sent me a letter notifying me of their transfer of the loan to Select Portfolio Servicing , Inc. ( see attached ). I had to cancel my 3rd trial payment because XXXX XXXXXXXX XXXX wouldn't take the payment. I suffered great monetary loss and struggled for a refinance of the mortgage that was transferred to a servicing company that did not have my account set up in their system and that changed the terms of the loan modification contract agreement and added more fees and costs such as late fees, attorneys fees, loan level advance fees, ect ..., to my account and sent my account to foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Date Opened XX/XX/2018 Amount reportedly owed- {$4800.00} This down payment for this vehicle was never paid in full. and for that matter, this account is a fraudulent account. Addresses ', balance, are inaccurate along with other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: PA

Complaint narrative:
XX/XX/XXXX {$1500.00} EFT P2P Netspend froze my card for a transaction, upon calling i was told someone tried to do a person to person transfer of funds and they stopped it. I was advised a new card would be expedited to me. The next morning i received a call from Fraud Prevention department. He had me verify my information and then said the hold would be removed from my card and to disregard the new 1 coming. Later that day i noticed my phone no longer working. upon calling my provider i was told my number was ported to a phone i TX i reside in PA. i immediately tried to check my netspend account and my info was changed and i couldn't log on. I called Netspend only to find out that XXXX was electronically transferred to a card with my information attached.The rep told me they froze P2P transfers on my account and yet that how my card was emptied. They wouldn't freeze my account before the funds were taken per the ELECTRONIC BENEFITS ACT guidelines! I have not received a provisional credit as stated in netspend terms. I have found over 20 people who have experienced the same EXACT FRAUDULENT ACTIVITY with netspend IN TEXAS and their refusal to refund transferred funds under REGULATION E, EFTA, XX/XX/XXXX. I am also contacting ATTORNEY GENERAL office XXXX XXXX of Texas, XX/XX/XXXX, and a consumer protection attorney. As it appears a rep with Netspend is providing consumer information to commit fraud on their consumers. The FEDERAL BUREAU OF INVESTIGATION and TEXAS POLICE DEPARTMENTS have also been contacted due to the number of proved cases of fraud out of Texas where our funds is transferred to additional cards bought at the XXXX  or XXXX XXXX  in Texas despite us residing in other states using our private information .Netspend is a scam and never want to return funds they have stolen. I have made it my mission to get this out to the public and alerted the news. I will also be contacting FDIC and ATTORNEY GENERAL OF THE UNITED STATES!

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

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 2020-08-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I missed a payment in XX/XX/XXXX. I asked the bank who has my mortgsge if I can pay the missed payment over time to get current on the payments. I was granted a payment plan for XX/XX/XXXX to XX/XX/2020to pay extra and get it caught up. Meanwhile my credit is reporting late payments form the past 6 months. I fulfilled my financial agreement and obligation to pay the agreed upon extra each month on time for 6 months. As of XXXX, my loan would have been current and no more late payments reported to my credit report. 

In XXXX I payed my regular mortgage payment on time. I was sent back a portion of the full amount and told it wasnt enough to cover overages so they are sending {$440.00} back to me. And they continue to tell me Im late with payments for the next 2 months. I called and tried to pay this amount of {$440.00} back but i can not be assured it will be applied correctly. I called several Times each time im not able to get ressolution. im told that someone will get back to me about the situation, im told one of the 6 paymentd where I payed extra wasnt applied correctly. The bank admits mistakes were made but reguse to help tske care of this for me and help me. At this point I feel like theyve not done what is right by me, the customer and dont seem to even care. I am forced to file a complaint about this to get someone at the bank to take notice and correct the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

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 2020-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are many credit inquires and debts that arent mine. I have reached out to all 3 credit agency via phone XX/XX/2020, XX/XX/2020 and XX/XX/2020. I have also reached out via mail XX/XX/2020 and XX/XX/2020. I can not get a response. There are many credit inquires that were not completed by me. There is also multiple things that are on my report that are not even mine.

Company response to consumer: Closed with explanation