vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One converted my Capital One " Platinum '' Secured Credit Card to an Unsecured Credit Card. The issue I have is they intentionally changed by unsecured credit card so they could continue to bill me {$39.00} per year & exclude me from credit increase eligibility while changing the terms of Secured Credit Cards to no yearly fee & automatic credit reviews for all new applicants.

I've had my " XXXX  '' Secure Credit Card 12 years. Why now did Capital One change my card to Unsecured? They changed it so they could continually charge me $ XXXX  yearly. While new " XXXX  '' secured cardholders are not charged an annual fee. Capital One also said I would have apply for a new credit card if I wanted a credit increase. I never agreed to, or signed up for an Unsecured Credit Card. They converted my card/account without my permission. However, the most corrupt part of it all is to intentionally change my card so that I would no longer have to pay Capital One {$39.00} since new " XXXX  '' do not pay an annual. Its deceitful & fraudulent. 

I spoke to a " supervisor '' at Capital One & she was not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Got a call from random person, saying they are working for some agency that help consumers to eliminate credit debts because they are paying too much interest. They told me not to pay any credits company such as Chase, and other credits card companies for 1 year and they will help me take care everything for me. They were sound very convincing and professional so I fell into their trap So on XX/XX/2021 XXXX XXXX charged me for {$3000.00} as a service fee for help me to eliminate Chase credit card debts. 
I did a research online and realized that these might be a scam, so I contacted Chase credit card to ask for disputes. I also emailed XXXX XXXXXXXX asking to cancel, but not reply at all. So Chase denied my dispute despite that I sent them the supporting documents that I emailed XXXX XXXX To reopen the dispute, I have to fax Chase a letter explaining the details. I sent to Chase a letter about 4 times, and I got denied from Chase every time. Chase told me to call the company and I did, but I always run into voice messages and I left my phone ask XXXX XXXX to call back, but never get any calls back. Chase doesn't want to work hard to help my dispute to get my money back from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Company was included in bankruptcy and after bankruptcy was discharged company added charges to my credit report contract company and stated they corrected it but still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: MA

Complaint narrative:
A scam XXXX account took {$120.00} from my Direct Express debit card. This card is used by the government to deposit monthly social security benefits to recipients. The money was taken out on XX/XX/2021. I immediately contacted Direct Express, and all I have gotten is a run-around. They did not even bother taking a complaint or closing the card as is standard protocol. Today, XX/XX/2021, I called for the 9th or 10th time, and they finally took a report after I spent several hours on hold and talking to multiple people. They then told me that they will send out a questionnaire, which I need to complete and return before they can open an investigation, which they claim will take 45 days. 

This company is a habitual offender. They do everything to not refund money that is stolen from customers ' accounts. And some of the scammers might be working for the company. It is a shady company that must be investigated and audited for its handling of government funds and abuse of benefits recipients. 

DIRECT EXPRESS PHONE NUMBER : XXXX CLAIM N0. XXXX I want this money back, and this company investigated for their fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was taken off of the one year 5.99 % APR plan as excepted, but then immediately put on an 17.99 % APR which is higher than it's ever been. During a global pandemic, American Express, who is making record profits, has refused to reduced my APR or offer any resources whatsoever to address the issue. I have a flawless payment history with American Express and have done business with the company for over 5 years. The only thing a supervisor could do was submit an internal compliant ( Internal Complaint # : XXXX ). If you could address this sudden rise in APR, which is jeopardizing my finances, please contact American Express to rectify the situation. I appreciate your help here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In 2002 I have an XXXX  report of a {$6100.00} payment with Capital One never paid and closed. 

I called the company, Capital One and they do not have my social security on file with Capital One. XXXX  reports I never paid Capital One and I never owned this card. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
On my credit file from equifax prior to me filing a complaint XXXX wasn't being reported as the company reporting my bankruptcy. They didn't list there name on my reports until after I filed complaint about inaccurate information. This all happened once I contacted US bankruptcy court here in XXXX Fl who advised me they don't report and court documents to any of the credit bureaus. This is a violation of the Fair Credit Reporting Act with inaccurate and misleading information. Please! Remove this bankruptcy from my credit files. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
There is a collections amount of {$810.00} from XXXX XXXX XXXX  that does not belong to me. The account number as shown is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Housing Scam on XXXX using Rently lockbox code. 

" XXXX XXXX '' person was able to allow us access into a home he claimed as his own verbally and via text msg. He gained access using a Rently lockbox code. He claims to be the owner and Intends to " meet '' us Sunday XX/XX/2021 at XXXX with keys, confirmed with XXXX XXXX they are the owner so I have no intention of meeting this online scammer. I did not send the additional {$500.00}, however I did lose {$2200.00} via XXXX transaction. 

He told us to pay a deposit of {$1000.00} to secure the home as a rental for 1 year, this person also took another {$1200.00} for " 1st months rent. '' and planned on using a locksmith to remove lock box and change all the locks on the property asking for an additional {$500.00}. 

sent to : XXXX The property he claimed ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Locksmith '' XXXX  XXXX I contacted my bank Chase, they denied my claim immediately and did want further information on my scammer who is still out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 
XXXX XXXX Account Number : 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 2021-08-20 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: GA

Complaint narrative:
On this date XX/XX/2021, experian continues to misreport my actual account balances. I try to dispute at their site but have been denied being able to dispute due to their failed systems. Their misrepresenting my account balances is leading my credit scores to decrease, causing me to lose access to monies.

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 2021-08-20 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: MA

Complaint narrative:
Have opened several disputes with equafax for something that should have been removed. I gave proof it should be removed. Can not open dispute report. Called and was told they would resend and I requested a copy be mailed. Still can not get results and no copy mailed. Still not removed from equafax and only equafax will not remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: DISCOVER BANK
State: OH

Complaint narrative:
A discover financial s credit hard was found in my hard inquiry on my credit. I did not purchase this credit card. Somebody already has my information i'm sure of it. i need the credit card removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2021, I purchased a suit online from XXXX XXXX XXXX XXXX XXXX for {$510.00}. I used my XXXX XXXX. I was thereafter informed by XXXX that the suit I selected was no longer available. I then disputed the charge. Rather than wait for the dispute to resolve, I chose another suit. On XX/XX/2021, my dispute was denied, as XXXX said that cancellations of orders for custom made suits were not allowed. Although this explanation was false, as the suit I ordered had not and could not be made, I did not appeal the denial of my dispute, as I selected a new suit. I let my time to appeal lapse and paid the credit charge for the suit on XX/XX/2021. The merchant states that it has not received my payment. I have made a number of calls to XXXX XXXX. I am advised that the payment was forwarded to PayPal, the collecting company for XXXX. I contacted PayPal and was informed that it is holding the money and will not release it until it receives notification from XXXX XXXX that the dispute is resolved in favor of the merchant. I am informed by XXXX XXXX that there is no other documentation to provide PayPal. On XX/XX/2021, I emailed PayPal and advised it that the dispute was over. I received a stock response that it would take time for PayPal to review my email and was invited to use the online portal for future contact. I do not have access to the online portal as I am not a customer of PayPal at the present time. At my request, XXXX XXXX provided me a letter, through XXXX, dated XX/XX/2021, that the dispute is closed. I emailed it to PayPal on XX/XX/2021. I have not received a response and do not expect to receive one. I also asked XXXX to pressure PayPal to release the funds, as XXXX utilized PayPal to receive the funds. I am getting nowhere. PayPal has given no indication that it will ever release the funds to the merchant on the present facts. I was advised in a call to PayPal that they will never release the money unless they get something more from XXXX, the lending institution utilized by XXXX XXXX, and I have been advised by XXXX XXXX that there is nothing more to give PayPal. The bottom line is that I used a credit card to buy a suit and received nothing. PayPal has taken the proceeds and will not release the proceeds. As things stand now, I have made an involuntary {$510.00} donation to PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: NM

Complaint narrative:
XXXX financial is reporting negatively to credit bureaus. derogatory unsatisfied charged off account. XXXX  XXXX is XXXX. Vehicle was illegal repossessed. Breach of peace. Prior to Vehicle Being repossessed 3 large payments were made through money gram withing a month to bring the account current. GM took the payments and repossessed the car anyway. It was never disclosed where or when the vehicle was sold or for how much. They never kept in contact with me about anything. I was the co signer. The owner is currently in XXXX XXXX and has been for the last 4 years.. I contacted gm a few weeks ago because my credit is showing in public Records a court order to garnish wages.. for some XXXX now they're saying XXXX. Absolutely. I requested a copy of the file and I got a letter from gm stating the account may have been fraudulently established as a result of identity theft .... WHAT??? The person I spoke to wanted me to give him the amount I have to see if my records match theirs.. I'm not gon na send them nothing they can adjust.. I know how much money was sent to get the car current. They applied those payments to court fees repossession fees late fees interest. None of it went to principal. I want them to send me all the statements proof of payments they have I want the date time place and amount the car was sold. I was told that the car was to sell at auction for the balance the balance was XXXX it should of sold for more and there should have been a refund for the overage difference. After looking at the court record GM filed just last year order to garnish. I want to appeal that ruling along with the negative deragory in my credit file. They can give me a XXXX valued XXXX and I'll pay otherwise they are insane to think they can destroy me with their lies. Every attempt was made to pay them they refused if it wasn't past due amount paid in full they refused payment after they had already received 3 different amounts through money gram in the month the car was repoed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted all requested documents to open an estate account under my father 's, the deceased, name. Despite notifying them that not only was I counting on these accounts to pay for food, gas and other essentials, Bank of America continued to take a hard line and are still keeping the money in my father 's accounts from me. 

Three days later, I called Bank of America again at one of their corporate offices, they claimed to not have one of the documents I provided in person, on Monday, the morning of XX/XX/2021. On Monday, the banker at Bank of America claimed it was too much money to open so soon. One of the accounts had only {$1000.00} in it. Bank of America then claimed they had to open them all at the same time, today on the phone, Friday XX/XX/2021. 

The banker at Bank of America at XXXX XXXX, told me it would take a week to set up an estate account. At XXXX XXXX XXXX, they were ready right away and they were surprised it took so long to approve the transfer of my father 's bank accounts into an estate account. They said they could approve withdraws numbering the amount in each of the three bank accounts and the two CD 's, either separately or all at once. 

Therefore, I provided all required documents and Bank of America would not comply promptly in either opening an estate account under my father 's name with me as the executor of the account or in allowing me to open an estate account at another bank. I do need the money for gas, and other essentials. The will has been probated and I am approved as personal representative as of XX/XX/2021, yet Bank of America not only continues to not approve the opening of an estate account under my father 's name, but will not show any compassion and open one of the smaller accounts and CD 's so I won't starve, be stranded or be without other essentials.

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 2021-08-20 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 recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Lloyd & McDaniel, PLC
State: AR

Complaint narrative:
Will not stop contacting me and sending me letters I'm getting sick of it and when I tried to make a payment towards my accounts with lloyd and McDaniel they turned it down

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase checking account. My debit card or account was hacked and because the transactions were linked to my pin chase is stating I made those transactions. Which I didnt .. its not impossible for hackers to obtain all your information and its disappointing chase cousins help me with refunding me my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
My wife and I traded in two vehicles at lease termination and leased a new XXXX XXXX XXXX from XXXX XXXX XXXX  XXXX XXXX, FL. Incredibly, the salesperson neglected to pay off either of the two vehicles. Hyundai Motor Finance, the lender, started making robo calls about the payment was late. When we called, we were assured the payments were up to date. We discovered the problem when a payoff letter was sent that had late fees on the XXXX XXXX and two payments remaining. The dealership admitted their error and finally corrected the credit reporting issue on that vehicle. 
The second vehicle, a Hyundai XXXX, was paid off in XX/XX/2020. Then, the account was found to have late fees of {$190.00}. Hyundai Motor Finance reported us 30 and then 60 days late on a PAID OFF loan. I paid the late fees when notified in XX/XX/2020 ; however, at that point the dealership should have taken responsibility for not including all fees in the payoff and not passed that charge on to the customer. 
This is for a customer who has a nine year history with the dealership and finance company. Now, 18 months after the fact, we are refinancing and the two late payments are affecting our ability to get a low interest rate. Repeated attempts to get the dealership to provide a letter stating the facts and how the error was their fault have gone unanswered. I have the original documentation to prove this but the credit bureaus want the creditor to verify the account history.

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