vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I opened a Saks Fifth Avenue Store Credit Card issued by Capital One on XX/XX/2019. My account was locked by " Saks '' for verification in XXXX so I had to verify myself with photo ID by visiting a local Saks store. After I visited my local Saks store in XXXX, AL, my card was successfully unlocked by showing my ID to the staff. Later my account was locked by " Capital One '' again for verification again in XX/XX/2019. By following their instruction, I faxed them all of the required documents including my SSN, Driver 's License, and my most recent paystub. Later, Capital One still decided to close my account and their reasons are : - Unable to verify personal documents - unable to verify personal data I am okay to get my account closed because it was a very bad experience communicating with them to solve my issue. However, before the card is locked, I placed orders worth over {$20000.00} during a Saks promo event in early XXXX and I made the payment right way in the store to cover those charges but the store canceled most of the orders. Therefore I had - {$15000.00} overpayment on my account before it was blocked and closed by Capital One. When I tried to retrieve this credit in the form of check, Capital One refused and they said the money in this account will be permanently frozen. They said it is because they can't verify my identity and there is no other way to resolve it. I just can't understand how they couldn't verify my identity with all the required documents I provided and just simply took away my money. 

Their Fraud Department manager even made a false statement by saying the money in a closed account will not be returned and this is stated in the Terms of Use, which is not true after I read the full terms of use for this card. The only thing saying about the balance of a closed account is : " If we close or permanently suspend your Account, you must return or destroy all Cards. You must still pay us all amounts you owe on the Account. '' I also attached their terms of use agreement in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Im a victim of identity theft someone got hold of my XXXX card and used it when I first found out I contacted the company right away which they blocked the card and send me a new card, but for some reason they still want me to pay for the items I didnt have

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly to Experian a collection/charge-off in the amount of amount of {$6600.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account is currently coded as an I9 and needs to be coded as an I1, reporting a {$0.00} balance and {$0.00} past due. I was a small business  owner and was lied to and aggressively pursued by a salesman representing XXXX XXXX XXXX. I was told by the leasing agent for the company that I could at any time within ( 3 ) business days void the lease agreement. The lease agreement was signed on XX/XX/2014. One day later, on XX/XX/2014, I faxed the Notice of Cancellation back. ( Please note the date of the fax highlighted on the upper left corner of the Notice of Cancellation. ) This shows that I did cancel the contract well within the ( 3 ) day time frame. Second, please look at the bottom left of the highlighted portion on the Notice of Cancellation. You can clearly see that the date, along with my signature, has been whited-out. This Notice of Cancellation document has been altered to make it appear as though I never signed it. This is further evidence that XXXX XXXX XXXX has not only misrepresented the cancellation policy as outlined, they have manipulated the document. This is fraudulent and therefore the collection/charge-off is completely unsubstantiated. I do not owe any sum of money to XXXX XXXX XXXX. Second, I request that Experian remove this line item from my credit report and/or change the coding to an I1 and accurately report a {$0.00} balance and {$0.00} past due. Also attached is a copy of the multi-million dollar class action lawsuit filed against XXXX XXXX XXXX. This too is further evidence that their illegal practice of duping small business owners was, in fact, illegal and fraudulent. I have tried to contact both XXXX XXXX XXXX and Experian to fix this however, I have not been successful. This false reporting of a collection/charge-off is seriously harming my credit score.

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 2020-03-23 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: The CBE Group, Inc.
State: UT

Complaint narrative:
XXXX & XXXX are both reporting this erroneous account for CBE Group -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact CBE and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: NY

Complaint narrative:
This information is in regard to Experian Credit Reporting Agency. 

Credit report # XXXX. 

Experian has continuously and currently been reporting an account that is a result of identity theft, within my credit file. The info is with XXXX XXXX/XX/XX/XXXX. I had filed a police report, I filed an FTC identity theft report, and yet they ( Experian ) have both kept and maintained this information within my report. Several times I asked Experian to remove the account and to verify who opened the account with XXXX XXXX, and to no avail. 

Ive also reached out to XXXX XXXX XXXX. They requested for me to asked me to submit my police report, which I did. Yet the account is still within my credit file at Experian. 

I currently work as XXXX XXXX  in XXXX. So daily I have to restrict my commute by using XXXX/XXXX services due to the exposure of the Coronavirus on public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan. And because of this identity theft account with XXXX XXXX XXXX. As well as the fraudulent acts of Experian Credit Bureau. 

Im facing risk everyday, and the last thing that I should be worrying about is my credit being used fraudulently at Experian Credit Bureau. Experian has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.

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 2020-03-23 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
In XX/XX/2019 Comenity Bank indicated that it would start charging interest on one of two NO INTEREST accounts for XXXX   services. 
These were two XXXX  charges which Comenity combined into one for its convenience. 
I have made more than minimum payment during the life of both accounts. 
Comenity did not distinguish between the minimum payment between the accounts. 
I had no control over which account my payments would pay. 
I believe that if Comenity had applied more of my payments to the account with the nearer deadline, it would not have charged me interest staring in XXXX. 
Further, as Comenity applied payments according to what it says are in its agreement with me ( which I doubt that I acknowledged ), it did not let me now until AFTER it applied the payments what it had done. 
Further still, the alleged " minimum payment '' is apparently NOT the minimum payment to avoid interest. That is misleading or worse. 
I doubt that Comenity would apply any future payments to the account that I will indicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
Citizens One is incorrectly posting EXTRA payments, earmarked for principal only, to interest, future payments ( not yet due ). 

We think Citizens One is doing this to thousands of others, thereby increasing their profits illegally and fraudulently ... or at least negligently. We think it is intentional as our detailed letter will demonstrate. 

We would like to send you a copy of the letter we sent to our Senators, XXXX XXXX and XXXX XXXX to help you understand. Where can we send it? We would prefer to scan and email it to you if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: U.S. BANCORP
State: NY

Complaint narrative:
I found out I am an identity theft victim by three major credit agencies on XXXX! I try to deal with the banker to explained that someone opened up several account in different bank without my permission. My credit score dropped very behind because someone elses illegal behavior

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 2020-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I opened a checking and savings account online with Chase on XX/XX/2020. Everything went well and I got welcome email dated XX/XX/2020 and physical welcome letter from them in following week. I also received debit card associated with my checking account. Surprisingly, I also received a letter the same day from the chase saying the accounts were closed that was dated XX/XX/2020. I tried to log in to the account online and it said the account is closed and a customer service number was mentioned to contact for further details. When I called the number the agent said I need to go to a branch for verification. I was surprised the agent said that account might have been closed if I did not respond to the verification call they must have made before closure and I am certain that I did not receive any calls from Chase before. I visited the branch the very next day i.e. XX/XX/2020. They tried to look into the matter and said they can not find a specific reason for account closure but the accounts are closed and can't be reopened. The only solution I was given was a new one. The problem was that I opened the accounts with a promotional offer of XXXX $ when you open a new account to chase : checking and savings, subsequently.The promotion was valid until XX/XX/2020. I requested the manager if they can give me the same promotion. They asked me to come next day i.e. XX/XX/2020 so that the agent can ask the specifics from the manager. I did call in before going to ask if same promotions will be added, they said yes. But due to some reason I missed going the said day. Instead I planned to go XX/XX/2020. I called in again before going to the bank and the representative who was dealing with me had been moved to another location. I requested the agent on call with the complete details to make sure my trip to bank is not wasted and she suggested to call me back. I heard back from her and she said the manager was in meeting and she can only contact the manager after the meeting. I asked her politely to give me a call even if the answer was no but I never received a call back from her or the bank. I felt no point in contacting the bank again. This is how Chase closed my accounts without any proper justification or giving any time to fix something that was missing and cheat me out of a great promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On Friday, XX/XX/2020, I contact my credit union, XXXX to inquire if I could pay off my two auto loans in the amount of {$3000.00}. The credit union stated that I could. Once I made the payment I was sent an email and text from Capital One asking to authorize that amount. I did, however no where did it mention a cash advance fee of {$92.00} or that I would be getting one. I asked them to dispute the charge or to reverse and they would not do either. I was unaware of this fee as they did not advise upon their request to authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX  & Equifax are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX  and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: UT

Complaint narrative:
Experian & XXXX  are both reporting this erroneous account for XXXX XXXX -XXXX - I am unaware of this and I have never got a notice regarding this debt. 
I have tried to contact XXXX and it just goes to a recording and hangs up so I can not reach them. This is not valid and needs to be removed

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 2020-03-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently mailed a letter to TranUnion Consumer Solutions disputing an account on my TransUnion credit report which was showing as derogatory/collections with an outstanding balance of {$1800.00}. This account had already been charged off in the amount of {$2600.00} and I had reduced the amount by making small payments here and there and by the federal government withholding two small tax returns which I was due over the past few years.This collections account was USDA National Finance Center on behalf of the federal government and was the result of an over payment by the government which until recently went unpaid. 

I paid the outstanding balance of {$1800.00} online on XX/XX/2020 on the Pay.gov website. I mailed my dispute letter dated XX/XX/2020 with a copy of the receipt showing the USDA account had been paid in full to TransUnion Consumer Solutions on or around XX/XX/2020. 

I received a response from TransUnion in a dispute status letter dated XX/XX/2020 in which the credit reporting agency stated that after reviewing my dispute request it found the information I disputed did not appear on my TransUnion Credit Report and went on to state numerous reasons why it might have disappeared and/or been removed already. 

On XX/XX/2020 I reviewed a credit report offered free by a major bank because we have a business relationship. This credit report was from TransUnion and was updated on XX/XX/2020. The credit report showed the USDA National Finance Center account and it was still showing as outstanding collections/derogatory. 

TransUnion 's claim that this information was not found in its search of my credit report now looks to be false and untrue? On XX/XX/2020 I attempted to call TransUnion numerous times to discuss this problem but was hung up on every time by it's automated system. A check of the company 's hours of operation for Saturday and Sunday showed XXXX. I posted a comment on TransUnion XXXX page XX/XX/2020 and received a comment from XXXX requesting I send her a private message about this which I did but have not heard back from her or TransUnion. 

XXXX is going on with TransUnion that is what I want to know? This is one of the companies which we are forced to trust with our most closely held information are you kidding me? It needs to be sued because it is doing the public a huge disservice with terrible customer service and it's been ongoing for some time now.

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 2020-03-23 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: FL

Complaint narrative:
I openned a dispute online on XX/XX/2018 with Transunion about a wrong name in my credit report. At this date I havent received a solution and is causing problems to get my credit report from credit agencies because the cant identify me

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 2020-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC System - XXXX- is reporting on credit and attempting to collect a debt that I do not owe. For one they just put it on my credit report without notifying me. But it is for a XXXX bill which is not valid. XXXX was paid already and this debt is erroneous and fraudulent.

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 2020-03-23 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: NH

Complaint narrative:
On XX/XX/2020 I contacted Amazon.com regarding two packages that had arrived at my home which I had not ordered. After a brief look into the matter, Amazon determine that an outside party had created an account with my name, address, and credit card and I was now the victim of a " brushing scam ''. They cancelled additional transactions that were pending and advised me to contact my credit card company.

I immediately put a hold on my credit card and contacted Chase Bank Card Services due to fraudulent charges that were made on my credit card. I indicated to Chase what the current circumstances were. I went on to inform them that I had received a letter from XXXX prior to these fraudulent charges, informing me of a breach in their system and that there was a potential loss of my personal information. 

Chase put the charges from Amazon on hold and indicated that they would investigate my claims and send me a new credit card. 

A letter dated XX/XX/2020 arrived from Chase indicating that I was responsible for two of the fraudulent transactions that were made because " Merchandise was billed to or shipped to your address ''.

The two fraudulent transactions which Chase is claiming I am responsible for, were for {$18.00} and {$21.00} and the transaction date was XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Im a victim of identity theft someone got my JPMCB card and used it, when I first noticed it I called the company right away and they canceled that card and now for some reason they want me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom this May Concern : I'm following up on a previous complaint. XXXX and XXXX ( duplicate ). 

A representative, XXXX XXXX, A Resolution Specialist at Regulatory Complaints Bank of America, XXXX, extension XXXX, contacted me on Friday, XX/XX/XXXX at XXXX XXXX. I was unable to take the call at that time, therefore called him the next business day, Monday XXXX shortly after noon EST and left a message. After a week, he still has not returned my call. 

{$7700.00} was drafted from my account due to a bank error. It's been over 10 days and the transaction error has not been corrected. This money needs to be returned to my account immediately. 

Sincerely, 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 monetary relief
Consumer complaint received 2020-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I'm in the process of buying a home and Discover closed my credit card account for inactivity. No warning, NOTHING! I last used the card in XX/XX/XXXX. It has been less than a year and they just up and close the account. I get an email on XX/XX/XXXX at XXXX XXXX   EST ( how ironic that I would receive the email the same day I received my appraisal ) advising that my account would be closed for inactivity. Other credit card companies send prior notification. Maybe Discover should follow the same practices. I have never been late on a payment. Now my chances of becoming a homeowner may have been ruined due to Discover 's lack of communication. This is not right at all.

Company response to consumer: Closed with explanation