vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have already made a complaint through CFPB regarding this issue ( see below ). I am not happy with their response because they stated that my phone number had been updated in XXXX ; this not true and, in reality, I received three emails on XX/XX/XXXX from Capital One stating that my phone number had been updated ( see one of the three emails attached ). The Capital One representative also stated that I had attempted to access my online account from overseas and that their 'website security features aren't designed to accommodate international sign-in attempts ' ; in reality, I was in XXXX , Ohio and able to access my account once phone number and login credentials were established. At the same time, in their letter the same representative stated that I was able to login several times successfully on XX/XX/XXXX ( which wouldn't be possible if I was overseas ) ; that is, stating one thing and its contrary ( see attached ). 

Here 's my original complaint through CFPB : On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX. As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number. 

I am asking for compensation for the unnecessary time spent over the phone and writing redundant e-mails to Capital One regarding these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
I have been a customer with this them since XXXX of this year. On XX/XX/XXXX I reached out to advise I was having financial issues, as my husband 's job did temporary layoffs/ work reduction. I spoke with a rep who advised me if I could make at least half payments it would keep my account from going into collections, which I have done. Since then they have reported me to the Credit Reporting Agencies and now I am getting collection calls every few hours. I have no choice but to make smaller payments right now. But my concern is, when I was in good standing my credit report was not updated to show good history but it is for negative, I don't think that is fair practice. Also, I did reach out as soon as I had a situation and now I am getting collections calls and letters, I got an email on Sunday advising me I had 30 days to validate this debt as mine. I know its mine, I made a payment as directed. pull the call where I called in, check the emails I have sent. I am trying to do the right thing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I received a notice on my credit report stating that I have a 30 day late with Helzberg Diamonds. I have not received statements and Ive provided email and phone number as alternative forms of communication. 

I got the opportunity to speak with a representative as well as a supervisor ( calling from XXXX ) and the supervisor mentioned that they call out to clients about missed payments/payments that are close to being considered late. They mentioned that they do not reach out to all clients however. I asked her what criteria would I have to meet to be notified of these events and she mentioned there is none and we are put into a queue in which not everyone is contacted. 

This is clearly not a fair practice and the communication is lacking. I small bill of XXXX dollars which would easily be paid by way of communication dropped my score 95 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have had my credit card with XXXX commenity for years I have never been late with a payment I have never missed a payment. For no reason my credit limit was dropped from XXXX to XXXX when my bill on the card was XXXX making my card maxed out and lower my credit score and increasing my debt to income ratio when I attempted to resolve this and find out why they stated that they review accounts and can lower credit limits at will when I asked why they lowered it to the point that it maxed out the card they stated there was no way for them to have knowledge of how their decision affected my credit which is ridiculous they knew exactly what they were doing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX CONSUMER REPORT XXXX IS NOT CORRECT AND THEY STOPPED ME FROM OPENING A BANK ACCOUNT.

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 2019-07-23 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: TN

Complaint narrative:
. I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: MS

Complaint narrative:
I was robbed and was told I would be compensated for the faulty system that was installed and it never called the police. Never alerted me and was told that the head office will credit me for this faulty system its 's been more than 2 years I never got the credit promised for payments made for a faulty system. I called XXXX on several occasions trying to resolve the bill each and every time they would place the money I paid on another account and would always cross two accounts into one I would pay my bill and then a week later find out I still owed more money than the last week that I paid. They would take the money I paid and add it to another account and sometimes bill two people for the same bill. They would even bill someone that does not have an account whose contract had ended years ago and reactivate the account in order to get payment. Billing two people at the same time for a bill in order to get money. I called on numerous attempts for a break down of payments only to never get it I requested credit for installation of new equipment would not get it. They would install a system and refuse to come back and maintain it less than a year or even a few months of install wanting the customer to pay for their mess up and charging for any problem with their system. XXXX refused to come out and repair their faulty system refuse to upgrade smoke detectors and would bill customer for their yearly upkeep and would never maintain new upkeep and constantly wanted payment for out dated systems or smoke detectors that should have been replaced years prior. They would say they are not charging then add the service of their system to your bill and when you would dispute it immediately put you in collections and demand payment XXXX needs to be looked into for reactivating old accounts putting customers in collections for service on their system which they refuse to maintain or upgrade. Charging customers for issues due to their mistake. XXXX is fraudulently reactivating unsigned accounts without the customers signature nor authorization and adding upgrade to a non upgraded system. Billing people and ruining their credit who no longer have an active account. Say that they are coming back and it won't be a charge then charge large amounts to the account without the customer signature or authorization. XXXX is notorious for taking advantage of the customers trust in safety would install a system that is faulty and want full price even after the customer has been robbed due to their faulty system. Charging for dysfunctional cameras and also service calls that they should included in the service due to storm and bad weather which is not the customer fault but somehow the bill is being billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: CA

Complaint narrative:
My data has been breach since XX/XX/XXXX XX/XX/XXXX and I still have not receive help by people that back my information scammers acting like I won an award and also my information was breach with XXXX and the three bureaus where my data was hack. I would hope to get help people using my information to get credit cards and ruin my credit history and use my social security and other data that should had been protected by the three bureaus and ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have had my Delta American Express Card for a few years and they refuse my request for an increase every time I have not had any negative activity on this card I have made all payments and kept them in good standing, They use a bankruptcy from 8 years ago as one of their reasons which makes no sense because why give me the card in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Arvest has been consistently messing up on the account numbers associated with our account and not processing payments. We have had checks returned with insufficient funds and automatic transfers not go through. They continue to assess us fees for this, even though it is their fault, and are demanding we pay the mortgage over the phone for a {$10.00} fee or they will report us to crediting agencies and hurt our scores. The fault is with Arvest, not with us, and they are illegally trying to get an additional {$10.00} from us for our mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: TN

Complaint narrative:
. I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-07-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I received the IRS audit as to XXXX transaction and XXXX company reported {$74000.00} as the gross receipt on the form XXXX XXXX but my total receipt was less than {$10000.00} To fix this issue, I have called and emailed but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Since 2010, I have been disputing fraudulent credit card charges with XXXX XXXX, XXXX, and Portfolio Recovery in regard to a credit card that was opened in my name. I originally filed a complaint with XXXX XXXX and no action were taken, which resulted in the account falling into the default. XXXX  XXXX  then sold the account off to XXXX XXXX / XXXX XXXX. I contacted XXXX XXXX and still never removed off my credit. I threatened then threaten XXXX XXXX XXXX XXXX with a lawsuit and they in turn sold the account off to Portfolio Recovery / XXXX XXXX. I have asked Portfolio for signatures, dates and yet nothing has been provided to me showing that this is my debt. The only thing they'd given me is my address. I have disputed this account of the past 8 years by following a Police Report and many threatening letters and yet they refuse to remove it off my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: WV

Complaint narrative:
Capital One Hard Inquiry XX/XX/2018 XX/XX/2018 XX/XX/2018 Called Capital one about my 3 hard inquires that I did NOT give my consent or signature approval. Capital One said they couldn't find me in their system of applications. I asked her for a letter of removal for transunion and she said she can't give a letter of removal. Therefor nothing was fix about the 3 hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
I tried repeatedly to consult them for proof of Debt but they never send me an E-Mail or letter stating amount owed. 

I've spoken to them multiple times. 

I will not pay something without proof of records. 

I have been requesting for proof of Debt for the past year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Synovus Bank
State: NH

Complaint narrative:
In XXXX I order 2 gold maple leaf coins that turned out to be fake. I sent them back and never heard from the seller again. I informed the bank and they responded by crediting the money back : APR 25 CREDIT MEMO XXXX PROV {$2700.00} Now I see it has been charged again : XX/XX/XXXX DEBIT MEMO REVERSAL OF Uncategorized Expense - {$2700.00} I've already withdrawn the money. The bank seems determined to make me pay. Of course I am never going to repay the bank. I ask that that my account show a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is about two accounts : A few years ago I had two debts that were purchased by National Credit Adjusters. I was contacted by National Credit Adjusters. I received a voicemail that said they were looking for me and asking for my employer 's information because they wanted to notify my supervisor. Terrible things were said to me. They called me at my work phones several times. I was embarrassed and scared. They contacted family members and told them I had a debt. They told me the most intimidating threats. He left me voicemails that ended with '' good luck with your case ''. I made payment arrangements and paid this company and the original creditors a lot of money. I asked from National Credit Adjusters for my payment ledgers. They said they were not allowed to do that. All they did was send me letters telling me I had a lump debt and I needed to pay. The fees and collection tactics were abusive. I paid more than the fair fees. 

I received a call today. XX/XX/2019. The caller asked me what I was going to do about my debt. I am terrified I am going to start being harassed by this company again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I have previously filed a complaint regarding Portfolio Recovery. I have continued to receive calls from them irregardless of their promise to cease collection efforts. This debt is long past its statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
New car loan with Ford Credit early XXXX. I made first payment and requested ammortization schedule for the loan. Ford is refusing to provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: FL

Complaint narrative:
Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank, now entered into credit reports as JPMCB, consistently adds hard inquiries to my report every year. I have 7 hard inquiries open at the moment. 3 of them are for Chase. I have never, ever applied for a Chase card. They say they can't do anything about preventing the hard inquiry, and that I have to dispute their mistake every time it happens. They don't ever actually offer the card, which is good, because they can't verify the info, but they still check the credit. Please, please help me make it stop. It shouldn't solely rest on me to fix this when it is a recurring error! This is my second CFPB complaint for this specific issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase marketed their Chase Shappire Preferred Card as a 12 Month 0 % APR Credit Card. Instead of delivering on that promise, they defrauded me by giving me a debt intrument that realistically could never be paid back.

Company response to consumer: Closed with explanation