vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I applied for a Capital One Visa card and I was denied due to company errors of new credit card application Capital One Mastercard approval back on XX/XX/XXXXor XX/XX/XXXX. 
In which six months has past as of XX/XX/2018 as Capital One Administration stated their guidelines is six months in applying and I had a Pending Capital One Mastercard Credit card back in XX/XX/XXXX orXX/XX/XXXX. 
That Pending Capital One Mastercard credit card application was approved onXX/XX/XXXX or XX/XX/XXXX in  ending # XXXX in which is active from XX/XX/XXXX or XX/XX/XXXXtill Present. 

I have been making timely payments since XX/XX/XXXX till Present and I pay over the $ XXXX monthly payments of {$100.00}. 
I spoke to Capital One Credit card rep on XX/XX/XXXX from my cell phone XXXX and requested for Capital One to " Reconsider Application of XX/XX/XXXX as Capital One pulled my credit and place a hard inquiry on my credit report and it decreased my credit scores on XXXX, XXXX and XXXX 

Also on my resisting Capital One Mastercard ending in # XXXX I requested a credit limit increase over {$750.00} and I was denied because of my XXXX XXXX. 
My XXXX XXXX Pension XXXX  income is around {$53000.00} a year with a XXXX % XXXX   increase every year on XX/XX/XXXX, so my XXXX Retirement income increases every year onXX/XX/XXXX. 
I am Retired and XXXX XXXX.I am also a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
They numerous times and threaten to sue me. And the debt date is wrong when the collection agency received my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX, I logged on to my Navy Federal Credit Union ( NFCU ) app to check my account balance. Once in the app, I checked over the transactions and saw my husband 's paycheck for {$680.00} was deposited by his company as a credit on XX/XX/XXXX ; I also noticed a pending adjustment/debit for the same amount of his paycheck, {$680.00} that had already been taken out of our account. As soon as I saw this adjustment I contacted NFCU right away. 

I called in to the checking account inquiry line, who reviewed the account activity and said the adjustment/debit was for a credit card we had previously with their bank that needed to be paid. The representative then transferred me to the credit accounts and I spoke with a female representative there who stated they tried to contact my husband multiple times regarding payment, and because they were unable to speak to him regarding a payment, they debited our checking account for a payment. I then asked the representative if they were able to adjust the debit back in to our account, to which she told me no, they could only give us back {$100.00} of the debit due to non-payment, so they kept {$580.00}. I was very unhappy about this, but honestly, I dont know if there's anything I could have done to have them put the full amount of the debit back in to our account. I set up a weekly debit for the card account so they will receive a payment each week until its paid in full. 

My main grievance with NFCU is that they took my husband 's entire paycheck out of our checking account with NO NOTICE. Are they allowed to take the money out of our account like that?? I asked the representative, " how are we supposed to live until he gets paid again if you take out his entire paycheck? '' to which she had no response. I have been a NFCU member since XX/XX/XXXX, and have NEVER had any issues until now, but this issue is enough for me to consider closing my accounts with them. Can you please assist and advise me if NFCU 's actions were legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Purchased two {$100.00} Visa Gift Cards from XXXXXXXX XXXX XXXX. Went to register the gift cards online so i could use at gas stations. Once logging into the website i noticed the balance is zero and the spent activity is around a town ive never been. Im 100 % sure i did not compromised my gift cards as they never left my person/home. After researching i believe the gift cards were stolen, tampered with, and put back on the shelf where i then purchased the cards. The bottom of the packaging has a brownish rubber cement type glue which is think was used by the thief to seal the cards.

I contacted Giftcardmall and theyre asking i wait 90 days for a verdict too see if i even get my money back. 3 months is unreasonably too long to hold my money if i even get it back. 

Purchased from XXXX on XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Gift card packaging says distributed and serviced by Blackhawk Network. 
Back of actual gift card says issued by XXXX, card also lists giftcardmall.com/mygift XXXX for support.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04 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: OH

Complaint narrative:
Well i got capital one card never used it then it was used fraud and all charges on it were not made by me at all then i was fraudly paid off then i told them i did not make any of the charges and they cleared it so told them to cancel it i cut card up now on XX/XX/XXXX i got phone call and ssyed i owed it and the store is saying to them i did it but i never did and about to scream i found the person who did it her name is XXXX XXXX on XXXX and XXXX and her number is XXXX ( XXXX ) XXXX get her in trouble for fraud me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
I had a collection account with Portfolio Recovery for the original creditor being XXXX XXXX. I contacted Portfolio Recovery by phone on XX/XX/19 and asked them if I paid the collection would they delete the tradeline on my credit report. They said that they do that for all there collections. It even goes as far to state that on their website. So I paid the amount they requested and here it is over a month later and when I went to check my XXXX  credit report and it is still there. It has not been deleted and all they did was update that it was paid. This is not what they stated they would do with their tactics to get my money. I was even told by the person I talked to, to make a recording of him saying they would delete it. I tried to dispute this with XXXX directly but they did not delete the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I ordered some things from XXXX previously. They had the option of getting {$50.00} off for opening a Chase Credit Card. I opened the Chase Credit card. Later I ordered some items and put it on my debit card. I never heard anything until about 6 mos later stating I owed an amount of {$220.00}. They could not tell me what items had been purchased. Chase said I would have to call XXXX and they could not tell me what the items were either. I knew I had not charged anything on the Chase card. So I asked them to report it as fraud. 

A few mos later I got another bill stating they associated it with my email. They named off items I had ordered but I never put anything on a chase card. I always ordered things with my debit checking account. 

Supposedly, according to them I put three amounts on the Chase card on XX/XX/XXXX. {$28.00}, {$82.00}, and {$110.00}. 

Now they are sending me to a collections agency. I am upset that they are being dishonest and trying to say that I put things on the Chase card when I never did. And why didn't they bill me immediately after the order. I feel they are being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is my 2nd attempt to rectify a serious error on the part of TransUnion Consumer Relations. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) TransUnion has verified that the bankruptcy information reported in Ms. XXXX credit report accurately reflects the public record of the United States Federal Bankruptcy Court, and is currently reported on their credit report as permitted by federal law. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, TransUnion provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', TransUnion would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

TransUnion has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. This is my last attempt for them to rectify this serious and inaccurate reporting error. My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

Finally, TransUnion claims to not have my current address. That is a false statement as they have sent numerous documents to me over the past 9 months.

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 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed an account with Experian Several times, They are not performing a proper investigation and stating the account is verified, I asked for the method of verification and for any form of proof this account is mine. i asked for the contact information of the person they verified the account with and they have not provided any. i have been disputing this account since XXXX. I have spoken with the creditor, and they have not been contacted by experian. They creditor can not provide proof this is my account. I am so frustrated with experian at this point. They are ignoring my request, and reporting whatever they choose and the information is inaccurate and unverified. This account is very damaging to my credit profile. I don't know what else to do to get this account fixed on my credit file please help.

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 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX XXXX XXXX Cell Loan number XXXX Dear sir or Mam : I am putting a complaint against my mortgage company who is FREEDOMMORTGAGE, who hold my mortgage payments. I was without a job for almost 2 years and I had few projects in-between and not enough money to pay my mortgage. My family and friends have help me save my house so far. 
I just got a job with XXXX as an XXXX XXXX XXXX. My salary is XXXX a year. I have provided the Freedom Mortgage company with my offer letter and filled all forms for LOSSMIGITATIION. 

They are not willing to put my loan back to normal as I have requested with them. I owe them XXXX dollars and no way I have that in cash to pay them. I want to save my house and I can pay my mortgage now monthly bases. I would like them to accept my offer and proof of job letter and modified my loan back to monthly bases. I will attach a job letter and the forms I sent them. 
They see my house as an asset which has equity built in too the house. They are not accepting my job salary stating that it is a vendor who is paying you and we dont accept that. I dont understand this at all. When I bought my house, I was being paid by an vendor agency at that time so why did they accept my money then and not now that is my question to them. I need someone from your company to discuss this and make an agreement with them to make my mortgage normal ASAP. 









Please help me save my house in anyway you can. 

Thank you 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 explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I had 2 transactions come through for gas companys. One to XXXX and one to XXXX. This card was not used to purchase gas on that day and there is no way my vehicle can hold {$190.00} of gas in a day. The other issue is that I live in XXXX XXXX and these purchases were made in XXXX XXXX where I do not go nor live. 

I have disputed these and they were denied by American Wxpress Serve. I then escalated these disputes. Over the phone they were extremely unhelpful where I had to call 18 times over a 3 day spread to get these disputes escalated. These are fraud charges where I have proof and I can not get any real assistance with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
This is my 2nd attempt to rectify a serious error on the part of Experian National Consumers Assistance Center. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached  report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply by XXXX XXXX Senior Regulatory Affairs Associate from my 1st complaint ( see attached response to my 1st complaint ) Our records indicate that we have contacted the public record vendor to verify the accuracy of the information with which the consumer disagrees. The disputed bankruptcy information was verified as accurately reported and confirmation was mailed to the above-mentioned consumer for review. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Experian provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Experian would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Experian has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Experian has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days This is my last attempt for them to rectify this serious and inaccurate reporting error. .My next step will be small claims court where I will be seeking {$1000.00} per violation of 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

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 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello CFPB, I was reviewing my bank statements XX/XX/XXXX and found that someone had used my Chase debit card for a charge of {$370.00} at a XX/XX/XXXX in XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I was in XXXX XXXX County at the time of the incident and have an affidavit from work as evidence of my location in the day time and can obtain an affidavit from my night job if need be. 
I have not used my debit card for any in-person purchases in over a month ( as my bank statement will attest to ) and I did not realize my card had been charged until I saw this fraudulent charge on my statement three days after the incident. 
The most ridiculous thing was that the card was in my possession the entire time! How could anyone have used it anyways? 
I called Chase to let them know someone had committed a fraudulent charge on my debit card, used it in XXXX County, and asked that Chase please send me a new card and reimburse me for the incident. They did so on XX/XX/XXXX. 
XXXX XXXX, XXXX my claim was reversed. When I called Chase, they said that since someone used my debit card with the chip and pin number, they recalled the reimbursement and charged my account for the amount I contested! 
I was physically present in XXXX XXXX county that day. I do not know of anyone living in XXXX XXXX, XXXX XXXX, nor have I ever traveled to that neighborhood of XXXX XXXX. I also have XXXX tags on pictures I took that night as to my location and can provide an affidavit from the two jobs I worked that day to prove that in no way could I have been present in XXXX XXXX, XXXX XXXX to spend an absurd amount of money on GAS in a XX/XX/XXXX ( XX/XX/XXXX 's don't provide gas, but that's how the charge shows up on my account! ) I even called chase claims department to determine if I could get the precise XX/XX/XXXX in XXXX XXXX where this transaction occurred and they could not determine such information from their records. All they could give me was a Terminal FIID : XXXX. I have tried to call XX/XX/XXXX customer service with no luck ( could not reach anyone ) and am very frustrated. 
Please understand I can not afford to have around {$400.00} stolen from my account. I have already tried contesting the claim twice. 
If Chase Bank does not have the security measures in place to protect me in such an event or reimburse me when there is fraudulent activity on my account, I will be switching to a different carrier. I hope you can help me as I am the victim of identity theft. 
I was notified by Chase Bank Customer Service that if I was to provide evidence of my geographical location at the time of the incident I would have my case reconsidered, so I did exactly that. I have also filed a police report on this matter. 
Looking forward to hearing from you. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I asked for the amount of time it would take my loan to be paid off making the minimum payments with no further advances. They have refused to tell me. They say, their system won't calculate it. It is a small loan of {$2000.00}. I pay {$540.00} per month. so it should be easy to calculate. I think this is unfair lending practice. 

They locate me by my telephone number XXXX

Company response to consumer: Closed with explanation