vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. XXXX XXXX   CONSUMER ID 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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Earlier this year I requested a replacement card as mine was worn and coming apart. Capital One sent a replacement card, but it was identical to my current card ( account number, expiration, cvv ) and active while in the mail. The card even had a sticker that stated the card is active and you do not need to do anything. Although convenient this is very lax in security to mail an active card out. A few weeks ago I logged onto the mobile app and when I touched the button to go into the account it said my card was activated. After digging a little deeper I see that a new card was sent for the one I requested earlier this year as it is expiring. I sent an email to the CEO advising that I was not happy with their security measures as with the data breach that occurred, mailing active cards in the mail to customers and now the mobile app activating cards I have not received as the button is overlaid on the account when you login that they should review. I also called on XX/XX/2019 and spoke to XXXX to see when the new card was mailed and told it went out on XX/XX/2019. After waiting a few days and not receiving I called on XXXX and spoke with XXXX and was told the card was " processed '' on XX/XX/2019. It was unclear what " processed '' meant. After the call I received an automated email from Capital One stating my card is going to expire and a new card was sent to replace it that I would receive by XX/XX/2019. It would appear that the agents on the phone do not have a clue what is going on. On XX/XX/2019 I received a call from the Presidential/Executive Correspondence group in relation to my email and spoke with XXXX. The agent was very rude and had a horrible attitude. I was basically told that the reason the button to activate the card was overlaid on the account button was because of the display settings of my phone. Which is XXXX as I am very tech savvy and have used this app forever and never changed anything on the app or my phone. After calling the agent on her attitude she said she would respond in writing. Maybe that response will be attitude free. I did not ask them for anything ( compensation or otherwise ). I simply advised them that as a customer I am very displeased with their focus on customer account security. Also maybe they should find better representatives for the Presidential units. Given that I work for a large financial institution in compliance and have for 20 years I know what good customer service looks like and what security should look like. Capital One has exhibited neither. I also understand that the Presidential/Executive Correspondence Groups in the bank are set up to respond to inquires made to top executives and from regulators, but are made up of low level staff that have little or no authority to really do anything other than respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I have contacted XXXX and Equifax twice to dispute old credit information on my credit report, including things that are 8 years old and the state the credit was acquire in only allows that information to be reported for 6 years, but yet XXXX will not remove it from my credit file. There are closed accounts from XX/XX/XXXX-XX/XX/XXXX, they will not remove, no matter how many times I dispute them. I have several fraudulent inquiries that I have reported to them as well, I even have fraud alert on my account and they still will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Advisors Foundation
State: PA

Complaint narrative:
Date contact : XX/XX/19 by XXXX XXXX of Credit Advisors. They were referred to me by the XXXX. This company portrays itself as a 501 ( c ) ( 3 ) not-for-profit when they are clearing in it for the profit. Before even asking me about my request or what I need help with they requested all my debt balances and other sensitive information to " calculate '' my payment to them. This company is like many others to scam people into paying them for the advice of settling debts through destroying your own credit. You can see in my attached email where he mentions " correct terms of the creditor ''. When I contacted them I didn't even ask about this type of service. I hope my complaint helps people from making the mistake of going through this company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX  HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. TD BANK CONSUMER ID NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Allegiant Capital Recovery LLC
State: TX

Complaint narrative:
XX/XX/XXXX spoke to a representative via in bound call at my place of employment and advised that I can not take personal calls at my workplace. I contacted them again on XX/XX/XXXX as the calls did not cease and asked for a mailed copy of the debt in question. I also asked that they stop calling my employer and they said they would stop contacting me at work and remove my work number. 
They have continued to contact my place of employment and have not stopped although my employer has also explained that they can not call as this is a place of business. They have called again today to my place of employment and left me a voicemail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I was promised an up To {$590.00} Checking Bonus ( 17 % Of Your Direct Deposit ), opted into the offer and met all of the terms - my bonus has never credited to my account. 

I am writing to you now to request that you get involved and demand fulfillment of Moneylions promised offer deposited to my account. 

Thank you PS - the terms where as follows : The Fine Print This promotion is open to all genders. 
Matching contributions are limited to {>= $1,000,000} in aggregate. 
Individual matching contributions are limited to {$590.00} per person. 
Promotional period ends when maximum matching contributions are reached.

Must maintain direct deposit into MoneyLion Checking Account for at least 90 days to receive matching contributions. 
Eligible matching contributions will be deposited into MoneyLion Investment Account. 
Must be a MoneyLion member in good standing at all times until payment of matching contributions. 
See the Official Rules for additional terms, conditions and eligibility requirements. 
Individuals who opt into the promotion between XX/XX/2019, and the time at which the Maximum Commitment is reached ( the Promotional Period ), and who do not already have active preexisting direct deposits into a MoneyLion Checking Account will be eligible for one-time matching contributions of 17 % of their initial direct deposits of funds into their MoneyLion Checking Accounts, subject to the Maximum Match. Generally, the matching contributions will be made available 90 days after the initial qualifying direct deposit, and will be deposited into a participants MoneyLion Investment Account. Once the Maximum Commitment is reached, MoneyLion will have no obligation to make matching contributions for any direct deposit made, regardless of individual applicant eligibility or time of opt-in for the promotion.

MoneyLion may provide matching contributions to the first 100 eligible direct deposits within 10 business days of confirmation that eligible funds have been appropriately directly deposited. For all other participants, MoneyLion will provide matching contributions after the participant has maintained MoneyLion Checking Account direct deposits of at least 90 % of the value of their initial direct deposits for 90 days after their initial direct deposit. MoneyLion reserves the right to provide matching contributions at earlier times to select participants in its sole discretion. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
In XXXX I payed my statement balance on XXXX which was normal and no problems at that time then on XXXX I payed the balance again because I was going out of town and wanted to stay ahead of the game. Later on in the month of XX/XX/XXXX my card was declined so I call Capitol One to inquire as to why the charges would not go through well after an hour of XXXX about fraud they said my card payment was past due so I explained how I had payed the balance twice in XX/XX/XXXX and that it was a 30 day revolving card. Well come to find out my statement had not cycled until XX/XX/XXXX and there were a total changes of XXXX that had come through on the XX/XX/XXXX so my account was past due. I have been a customer for 17 years and have always payed my bill on time. They charged me XXXX in intrest on XXXX and the account should have never been classified as past due! This is hwy robbery and poor business practice at the very least all attempts to resolve have failed the people I talked to have such heavy accents they were very difficult to understand as well. I will be shutting down my card as soon as i can use my XXXX points. 
Given the fact this Bank is responsible for the largest data breach ever it is apparent that they are crooks as well.It is time large banks such as Capitol One be held responsible for there poor business practices and I hope this complaint starts the process. This is totally unbelievable. Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was cold called XX/XX/19 from my mortgage company, Quicken loans. A salesman asked if I would be interested in an offer to make my mortgage cost less over time. 

I told him I would be interested in learning more, but he pressured me into saying specifically that I would be interested in doing something like this. He even put in a bit of a snide " it's a simple question '' to pressure me. 

I confirmed I would be interested, and he told me some details. I asked to be emailed more information on this, and I would not confirm that I was willing to start these proceedings. I was very careful in stating that I do not approve of this and I wanted more time to think it over. 

He continued to pressure me and try to counter any justification I had for waiting. I told him to have a nice day and hung up the phone. 

He proceeded to call me back at least three times. I did not answer, and I turned my phone off after the third call. 

I did not say that I was willing for him to pull my credit, which he did. I wanted more information about what he was offering. If he took my consent of being interested to mean that he was allowed to pull my credit information, it was not informed consent. I had no idea he would make any credit inquiry and he didn't try to confirm that with me. 

He only asked for my last 4 digits of my social for identification purposes. He specified he was asking for those numbers for identification purposes. 

I logged in to my account online and saw that he had started a refinance process on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This scam involves XXXX XXXX XXXX. On XX/XX/2019 he transferred me XXXX USD to my PayPal account for no reason. The transaction went through and I immediately returned the money in full through PayPal. One month later on XX/XX/2019 he cancelled the original XXXX USD he sent me in XXXX, leaving my account in the negative ( XXXX USD ) and he walked away with the money and closed his PayPal account. I have contacted PayPal and they claim there is nothing they can do. I have messages from XXXX that state this is something that he has done lots of times to many different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loans have never been late and they are reporting as late. It is in accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
My credit score history suggests there have been forces impacting it negatively, but my report does not indicate any negative activity. My score on XX/XX/2019 was XXXX, my score on XX/XX/2019 was XXXX, and my score today ( XX/XX/2019 ) is XXXX. TransUnion is unable to give me a reason for this drastic change. TransUnion refered me to the FTC and the FTC refered me to the CFPB to file a complaint.

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 2019-09-26 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: CA

Complaint narrative:
XX/XX/XXXX, Experian recommend I get a new XXXX credit card, my credit score was XXXX. 
XX/XX/XXXX, I get my 4th credit card from XXXX. 
XX/XX/XXXX, my XXXX XXXX drops XXXX -> XXXX. 
Reason Experian gives is new credit and change of address. 
I changed my address in XX/XX/XXXX. 
XX/XX/XXXX, canceled my paid membership of XXXX dollars a month paid to Experian to monitor credit since XXXX. 
XX/XX/XXXX, filed a dispute with Experian about a XXXX late payment issue on XX/XX/XXXX, after talking with XXXX and XXXX claimed they had no such record. 
XX/XX/XXXX, Experian drops my credit score by 17 points.

So this year my credit score has gone from XXXX -> XXXX What is going on here?

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 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I've been requesting a repayment plan with the service lender. I was advised my husbands income, XXXX XXXX could not be used because his name was not on the initial mortgage. I've added my husband to the Deed because from what I understand, as long as he's on the deed FHA would consider his income for a repayment plan. Please reference copy enclosed. We are again requesting a 30 day foreclosure postponement to allow us time to be considered for a repayment plan as we are able to afford a temporary increased payment amount using our combined income to bring our account current. 

We've been denied the ability to be reviewed for a repayment plan, because we were advised FHA does not allow anyone else 's income to be used even if my husband was on the Deed. In the event FHA would not allow us to apply for a repayment plan we would like the opportunity to sale the home only if we are denied the repayment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: MD

Complaint narrative:
Experian has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-09-26 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: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 non-monetary relief
Consumer complaint received 2019-09-26 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: LA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: MD

Complaint narrative:
XXXX  has failed to respond to the 1st and 2nd letters, which is a clear violation of the FCRA. As of today, it has been 65 days since I sent out my first letter ( see certified return receipt and prior letter attached ). The FCRA requires that you investigate all disputes initiated by the consumer. 
I demand that you delete the inaccurate trade lines listed below : XXXX XXXX XXXX   XXXX By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted it. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX stated I would have to authorize a Commenity Bank to pull my credit report to increase my line of credit. I asked if it would be a hard pull or a soft pull and she was stated I would need to contact the Credit Bureau. I also talked to her supervisor XXXX who stated they could not provide clarification to consumers about if they do a hard pull or soft pull. XXXX stated that their credit department does not speak to customers to clarify which pull they use to review consumers credit. She also stated she had no way of communicating with them for assistance. As a consumer it is our right to know if a financial institution uses a hard pull or soft pull prior to authorization a credit review to assure we have know the possible impact it could have on our credit report. XXXX also stated she could request a line of credit without pulling my credit report after XXXX stated it was a requirement.

Company response to consumer: Closed with explanation