vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: MA

Complaint narrative:
A few days before XX/XX/XXXX I added my Capital One QuickSilver card ( ending XXXX ) to XXXX XXXX  on both of my personal XXXX XXXX smartphones. The installation happened seamlessly without issue in both cases, and I received no contact from Capital One accordingly. However, when I attempted to purchase {$300.00} worth of goods at a local wine shop on XX/XX/XXXX via XXXX XXXX, the transaction was declined twice. Instead of a text message to confirm my authenticity, I received a brusque email telling me to contact customer service so I needed to complete the transaction with a XXXX card instead. When I contacted Capital One at XXXX XXXX  ET on Sat XX/XX/XXXX, I was told that I must authenticate the account even though I was calling from the phone number on the account. After going back and forth with the CSR, I requested a manager. The manager refused to apologize for their conduct and demanded that I authenticate. I declined to do so. The manager then said he would be closing my account. It is unconscionable that a CSR manager would close an account on the phone with an unauthenticated customer, when said action is stated to be irrevocable. I want my Capital One card reopened ( 8+ years of spotless on-time payments ) and the manager in question to be terminated from employment at Capital One for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX XXXX, natural person, and original creditor of an open-end credit plan, was denied my right of credit by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE on XX/XX/2021 via electronic mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. CAPITAL ONE FINANCIAL CORPORATION d/b/a CAPITAL ONE is now civilly liable to pay me for the damages caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: CA

Complaint narrative:
A bank account was opened in my name at XXXX that I had no knowledge about. I only found out due to getting a statement in todays mail ( XX/XX/2021 ) I called the phone number on the statement XXXXUS BANKS ( XXXX ) and asked some general questions. I was asked for the Account Number which I was able to provide being that it's on the Statement. I was asked my DOB and last XXXX of my SS # and they had all of that information about me. The account was opened via the internet on Wednesday, XX/XX/2021 and Closed Monday, XX/XX/2021. I filed a Consumer Report To The FTC ( Federal Trade Commission ) Wednesday, XX/XX/2021. My FTC Report XXXX is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: NJ

Complaint narrative:
There are some accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are some accounts on my report I do not recognize

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account in question : XXXX XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account in question : XXXX XXXX  This account is continuously reporting charge off XX/XX/2021, then its not even reporting anything for XXXX or XXXX of 2021, then it started back reporting charge off again on XX/XX/2021, and XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Experian and it came back on XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 3 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Experian. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am having an issue with PNC Bank and BBVA bank formerly known as simple bank several months ago my debit card was stolen when my debit card was stolen the bank was transitioning from simple bank to BBVA upon learning my debit card was stolen and providing BBVA with the information BBVA refuse to assist me and continue to allow the debit card that was stolen to be used fraudulently causing thousands of dollars and unemployment deposits to be stolen from my account upon contacting BBVA they refused to file any transaction disputes in the beginning but later on filed some transaction disputes but refused to cancel my card stating they were unable to do to a shortage in cards and ability to get new cards during the transition from BBVA to PNC BBVA took money out of my account stating that they had improperly filed the disputes and therefore the money must be taken back now since BBVA is PNC PNC has not been working with me in a timely matter to resolve these issues I have adjusted these issues multiple times and try to contact the individuals who are supposed to help me one individual has specifically taken charge of this case but has been very difficult to reach and does not return calls or emails within a time we matter and when the individual does call back it's within the last hour of this individual being at work causing the call having to be ended and be resumed a different day as a result I have not been able to fully dispute the transactions on my account as well as PNC despite having a police report has denied multiple of my disputes giving different reasons for each time originally the first reason was because they stated that the chip was used in the card but did not pay attention to the fact that I reported my card was stolen the second reason was that there were other transactions that were undisputed at the time of the card being stolen completely disregarding the first reason and ignoring the fact that the police have arrested and are working on pursuing charges against the person that stole my card at this point I have lost thousands of dollars and have been unable to get any of it resolved due to the lack of communication and responsibility of simple bank BBVA bank and PNC Bank I am requesting that they return the money and assist me within a timely matter as they have not been able to do so such far

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-11 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: NV

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. While examining my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as fallacious information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ; XXXX - Inquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today I made a payment to my credit card using a checking account that I've used in the past. Capital one restricted my account and when I called them they wanted me to call my bank with them on the phone to verify my bank account was mine. To complete the request, I would have had to give the bank my social security number, date of birth and other private information with the Capital One representative on the line. I didn't mind calling the bank, but it is very strange that the representative wanted to stay on the line why I shared that personal information. They wanted bank account numbers and account numbers as well. I requested that the bank rep call me privately so they may have the info they need to verify that I am me so they could share with Capital One that this was my account. Capital One would no longer allow me to use my credit card or make a payment to my account because I would not call my bank with them on the line and share that info. I do not understand why a company would put me in a situation for my personal information at risk. The most interesting part is when I refuse to do this I requested they close all my Capital One accounts which they were happy to do without verifying who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

CAPITAL ONE AUTO FINAN XXXX Balance - CAPITAL ONE XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello this is XXXX XXXX. I am, again, forced to submit a complaint in response to the yet again stonewalling received from Bank of America. Yesterday my mother received an email from a gentleman named XXXX XXXX, who is the Senior Resolution Specialist under BoA 's employ, asking me to call him to again get what should've been dealt with nearly a month ago resolved. And just like with XXXX XXXX, he was also 'conveniently ' not at his desk when I called both yesterday after receiving the email and today. 

XXXX XXXX XXXX has stated in his email that if we do not contact him within 48 hours he will consider the matter closed, and it's becoming increasingly apparent that Bank of America 's resolution department is and has been actively avoiding me and my family and has no intention of removing a stop payment from a legitimate check that was deposited on the XXXX of XXXX. 

Earlier today me and my family went to a funeral home in XXXX MA to arrange the cremation of my father, and unless some money comes our way ( like say {$2800.00} ), it will be VERY difficult to take care of those costs and anything else we might need. We will also be contacting the Federal Reserve as well tomorrow, and we hope that both of you guys will finally put this to bed.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I called Equifax to remove multiple inquiry 's that I did not give my permission to be on my customer report. They sent a letter XXXX, XXXX, 2021 stating that it will not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: AL

Complaint narrative:
My credit report shows 3 inquiries from the same mortgage company " CREDCO XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX '' XXXX within 30 days. All 3 are being reported as inquiries which reflects on my credit score. Why they continued with the inquires multiple times is unknown. But would like the inquiry be limited to one. Not 3 in a months time. I realize it seems minor, but working hard to keep my credit up. And this isn't helping. Thankyou for your time and patience.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am appalled and disgusted by the belligerent customer sevice and bias discrimination I received. I have been a Chase customer for over 7 years and never until today have I experienced social economic discrimination that defies human decency and shatters all critical race theory progression. I walked into Chase Bank located at XXXX XXXX XXXX XXXX XXXX. I encountered Vice President Branch manager XXXX XXXX who talked to me as though I was a remedial when I have ascertained over 4 advanced degrees. Chase is in violation 12 CFR 204.2. I walked in Chase bank a consumer and walked out overstanding equal opportunity or customer service is an illusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
XXXX / Loancare is my mortgage servicer for my home. I am in the process of refinancing and had to request payoff balance to supply to my credit Union. I requested multiple times and I am continually told I need to resubmit it. The first time I requested was XX/XX/2021 and since them I received a payoff letter via email that contained someone elses personal loan information and payoff. I keep getting the run around from them and broker promises. I also am blocked from the site now and cant view my payoff information. These tactics are malicious in intent and are blocking me. I paid my mortgage on time with them and they are holding up my refinance. The credit union has requested it from them four times as well.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  XXXX Inquired on XX/XX/2020 ; XXXX  XXXX  XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX  Inquired on XX/XX/2020 ; XXXX XXXX XXXX  Inquired on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX XXXX on XX/XX/2020 ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2021 I confronted a person I was dating about some fraudulent activity I seen on my accounts through my phone when I allowed him to use my phone while I worked the one in particular that I noticed was on my MONEYLION account. I have my check being split into three different accounts at the time and {$250.00} of it's went into the Moneylion account. That turned out to be a very bad day because it turned out to be a XX/XX/XXXXXXXX incident and I had to file a police report in that police report I included the fraudulent activity I noticed on this account. I called Monday lion this past Saturday and I asked them via chat what I needed to do to open up that account or get access to my funds she said I was to send a copy of an unexpired government state issued ID as well as proof of residency address that is within 60 days I sent three different documents and I sent that on Saturday and I specifically asked her and I will send the screenshot to you how long will it take if I was to send an email to the documents today meaning Saturday she said 24 to 48 hours It also says this when you call them and you get transferred to them to give it two days this was on the XXXX that it happened XXXX XXXX today I have not heard nothing and I keep getting the runaround I have saved all of my chats with this company nobody 's giving me an answer I provided everything they needed everything they asked for I've offered the police report they haven't asked for that yet and I can not get an answer in them to release my account I just want my funds. Also you can not reach retention any other way but via email and you do not get responses via email I had to chat three times as well as call two times and still was refused any kind of access to them other than email and I was told it's being escalated three times. According to theXX/XX/XXXXsite they have quite an issue with presenting the way they do things one way in doing something completely different and I didn't even realize this and should have checked beforehand.Also that they freeze the money whenever they suspect fraud and they complete payments and they don't allow nothing else to happen to protect the funds but at the same time {$250.00} went in from work and I have two {$210.00} left because they they have taken out their money for their fees as well as they let another bill go through via XXXX.

Company response to consumer: Closed with explanation