vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I want to complain to the Capital One credit card embezzlement department and illegal operation. I applied for a credit card with a limit of XXXX, but it has been locked for two or three months. They have no reason to propose that I have embezzled, but my credit card has been I always called the customer service to lock the credit card. From the first time I received the new card, the card was locked and not allowed to spend until the bank sent me the link and then I uploaded the ID card. To be locked, it was locked five times in a row in just one hour, and I continued to call for verification, and the verification passed every time, but this credit card has been locked for two months. Moreover, the relevant information they requested was uploaded one by one. Without any reason, they have been looking for any irrelevant reasons to shirk responsibility. I would like to ask the relevant department to investigate the bank credit card department, and even if there is no reason, the phone will not answer. Ive delayed my phone call and closed my account. The bank did this to mention my credit report to extract my personal information. This caused me to file reports a lot, my credit score dropped, and it took me so long. The relevant departments are urged to investigate the facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
called citi on XX/XX/2020 shopping for a 0 % balance transfer offer. accepted one for 12 months 5 % fee. at no time was i made aware that the term would run from when the offer was made and not when it was accepted. citi claims the offer was made in XXXX and while i might have received a mass mailing about balance transfer offers i was not specifically made aware on XXXX that the term began in XXXX before i was even aware of the offer. if i had been made aware i would not have accepted the offer for 12 months which was in reality an offer for 10 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 2021-02-15 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax Credit File : XXXX XXXX Confirmation # XXXX page 16 of 16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is not an address correct XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is correct. 
I still live at this address as Equifax has me down as previous address which is incorrect on there part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I made a purchase on XX/XX/20 for {$16.00} using my Comenity credit card. A few days later I attempted to create an account online so that I could pay the balance. The website did not work so I used the automated phone service to establish my account and pay the balance. It appeared everything was fine. 

A week or so later I find out Comenity charged me an additional {$18.00}. They say I did not provide the correct routing numbet and/or account number from which I paid the balance so they are charging me the penalty of {$18.00}. I did not provide incorrect information. 

I asked Comenity to provide me the routing number and account number I provided them hen paying my bill and they REFUSE to provide thst information. 

I refuse to pay an {$18.00} penalty fee when they refuse to provide proof that I SUPPOSEDLY entered incorrect information. 

I have approx 7 pages of email exchanges I've had with Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second attempt to resolve this issue in regards to Equifax reporting consumer credit transactions on my report. Equifax is in violation of XXXX XXXX XXXX ( d ) ( XXXX ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I wrote to 3 bureaus on requesting an investigation into items that I believed were FRAUDULENT/ INNACCURATE inquires on my report. To date, I have not received a reply from the bureaus or any acknowledgment that an investigation has begun. My SECOND request was on XX/XX/XXXX additional letters sent to bureaus and they have not complied with my request.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 hit my credit file on XXXX  6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different states

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 16 inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1.XXXX, XX/XX/XXXX 2.XXXX XXXX, XX/XX/XXXX 3. XXXX- card service, XX/XX/XXXX 4.XXXX XXXX, XX/XX/XXXX 5.XXXX XXXX XXXX, XX/XX/XXXX 6.XXXX XXXX  XXXX, XX/XX/XXXX 7.XXXX  XXXX, XXXX, XX/XX/XXXX 8.XXXX  XXXX, XX/XX/XXXX 9.XXXX XXXX, XXXX XXXX 10.XXXX XXXX  XXXX, XX/XX/XXXX 11.XXXX , XX/XX/XXXX 12.XXXX XXXX , XX/XX/XXXX 13.XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX  XXXX ga, XX/XX/XXXX 15.XXXX XXXX, XX/XX/XXXX 16.XXXX XXXX XXXX service, XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX Opened a Chevron/Texaco affinity Visa card service by SYNCHRONY BANK - credit limit {$2500.00} ( my credit score is between XXXX ) ; XX/XX/XXXX started using the card for my company 's drivers mainly at Chevron Gas stations XX/XX/XXXX balance is {$400.00} - I made the first payment online through company 's Synchrony Bank 's website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XX/XX/XXXX balance {$720.00} - made another payment of {$720.00} - bank website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XXXX spoke to company representative who informed that " payments are on hold '' while thy " determine my payments pattern '' due to new account - this is without any " returned payments '' - representative advises that payments are being held for up to 9 days! 
Agent advises that making payments on " debit card '' is quicker and will credit in 24 hours XX/XX/XXXX - Payment of {$1000.00} made on debit card linked to my business account that'd a balance of over {$90000.00} XXXX Received email confirming " payment has posted '' - balance fails to reflect the payments XX/XX/XXXX - None of the payments had been reflected in " available balance '' XXXX spoke to multiple representatives and supervisors who told me that " payments can be held for 9-10 days '' and that I was ERRONEOUSLY told to make a payment on debit card as that payment also would be held for 9-10 days! 
All payments made had cleared my bank account in 1-2 business days Contact made with Social media " executive linked representatives '' XXXX, who pretty much repeated all the above while being unable to answer the question " What does it mean when your email says my payment has posted? '' but the balance is not updated??? 
FYI-My debit card payment made on Friday XX/XX/XXXX cleared my bank account on XX/XX/XXXX the very next business day. 
Why in an age of electronic banking does Synchrony Bank claim that they have not " verified payments '' and can not tell me what that even means? 
How can Synchrony Bank deceptively send confirmation of payments but not make the balance available? 
New account or not, unless they have another reason and experience to " hold payments '' this should not be allowed and is illegal as it it is clear Synchrony was receiving the funds in 1-2 days.

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 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XX/XX/2006, a Judgement was filed in the amount of XXXX by XXXX XXXX XXXX, who purchased the debt from the original consumer credit card debt, XXXX XXXX. LVNV Funding purchased the debt from XXXX XXXX XXXX XXXX. 
Since this transaction, the debt has been sold four times to third parties, and each time they attempt to revive the judgment and add {$1400.00} ( moreover, a 74 % increase ) in interest for a total amount of {$3400.00}. 
I am filing this complaint against LVNV Funding LLC and the current representing legal group, Resurgence. The company and firm have violated my rights under and according to 735 ILCS 5/2-1602 ( a ). Plaintiff has inflated the amount over the allotted statute, broke the timelines for the revival of a dead judgment, and has continued to harass without verifying the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This is the second time I have complained about this. See Complaint # XXXX, from last year. 

Comenitycapital/BjXXXX This credit card/ bank is reporting incorrectly. I have mailed the company a letter that states the account is being reported incorrectly. This account is being reported on my XXXX  Report as a charge off. This account should be reported " Included In Bankruptcy ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: CO

Complaint narrative:
Dynamic Recovery Solutions , LLC XXXX XXXX XXXX, XXXX. XXXX XXXX SC XXXX This company call on a different phone number every day and I have blocked Them and they call between XXXX XXXX and XXXX XXXX. 

The reason I do not want to speak with their rep. is that they repeat the persons personal information over the phone when they are not to before when they are in formed beforehand that the person had a identity theft of personal info. 

The telephone not secured, anyone can listen in on the conversation and use it later. This company needs to respect other peoples request when doing business Over the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second attempt to resolve the issue with Transunion in regards to reporting consumer credit transactions on my report. Transunion is in violation of 15 usc 1681a ( d ) ( 2 ) ( B ).

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 2021-02-15 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: FL

Complaint narrative:
I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

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 2021-02-15 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:
I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My flight was cancelled due to the epidemic and the airline refunded me ( {$170.00} ), but Chase closed my credit card and refused to refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My Previous Home mortgage Company " XXXX XXXX '' sold my loan to PHH Mortgage in XX/XX/XXXX without my consent or any Communication / Notification and XXXX Mortgage was also failed to notify me till XX/XX/XXXX and my Auto payments were auto paid to my XXXXXXXX  till XX/XX/XXXX as my payment of XXXX bounced back to my account I came to know that my loan was sold to PHH Mortgage ( Loan # XXXX ) Upon the confirmation from XXXX XXXX i contacted Phh Mortgage and paid Additional {$13000.00} to bring my account upto date and on XX/XX/XXXX additional {$2800.00} as per my conversation with PHH Mortgage representative all was good and they will fix the Credit report not showing the late payments also refund my late fees Till today and repitive calls to PHH mortgage XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( XXXX ID XXXX and XXXX ID XXXX ) no progress neither my late fees are return or neither my Credit report was fixed every time i get runaround even on XX/XX/XXXX XXXX EST i was talking XXXX ID XXXX she hang-up my call, I am trying to refinance my house XXXX because of them my credit from XXXX score went to XXXX which is costing me additional 0.75 % higher rate ( XXXX ) in long run it will cost me XXXX it look like loan transfer to PHH and PHH to contacting is totally Illegal till today they did not provide me any evidence showing that i received any communication from them till XX/XX/XXXX and as promised fees are not returned and credit reporting is not properly done. I need some one to rectify the situation ASAP Nature of Complaint : Billing or Collection Issues Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX  Product/Service : Mortgage Model # : None Provided Account # : Loan # XXXX Order # : Loan # XXXX Purchase Price : XXXX Payment : Deposit ACH Debit Disputed Amount : XXXX As you can see from attached latter from PHH after requesting somany times since XX/XX/XXXX finally they send me some communication but failure to provide any communication which was done before XX/XX/XXXX XXXX also as you can see i never been delayed my payments in my mortgage since XXXX till today this is only case were i was not aware of my mortgage loan was sold to different company without my knowledge and payments were made to my old mortgage company XXXX XXXX and i was panelized for no reason and fowl played by both the mortgage companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XX/XX/2021 hit my credit file on Experian 6 times I been OPT out of financial and credit offers and opt out of all promotion offers. I have previous files every year i mail a letter and file OPT OUT. It seems a scam by XXXX XXXX  XXXX that they would hit some one credit file 6 times on XX/XX/2021 with out there permission XXXX XXXX has all those address in different 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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX has on my Transunion report File # XXXX Date XX/XX/2021 I did not sign or agree to no hard credit been ran by XXXX XXXX XXXX XXXX XXXX XXXX needs to provide my signature in regards to this matter as fraud by XXXX XXXX  Violates Federal Fair Credit Reporting Act or FRCA There needs to be proof showed by XXXX XXXX of this transaction by document not verbal is not legal. I have also filed with US Attorney office as DOJ on consumer complaints to this matter as Fraud on XXXX XXXX XXXX and Transunion

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 2021-02-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE '' PayPal closed my account for no reason and will not help me to get it back up and going. I am not sure if this is some mistake as I assume it has to be. I currently have more than XXXX XXXX dollars in the account, and they won't let me take them out. They sent me a message saying they are holding my funds for 180 days. 

I have messaged them often and tried to call their customer service line several times, but all I get to is a recording saying, " we can't help you over the phone. '' I have not been able to get help from them, but I just remembered I could file a report on here as I feel they are not doing their job correctly, and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Thanks XXXX

Company response to consumer: Closed with explanation