vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-25 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: VA

Complaint narrative:
The Consumer Financial Protection Bureau unfairly closed my previous complaint against Capital One. The Consumer Financial Protection Bureau did not let me write back. Capital One case was XXXX. CFPB case was XXXX. Capital One Representative XXXX responded that Capital One does not offer email because of security. However, I have been sending secure message on my own bank when I log into my own online bank->not with Capital One. This is what I am complaining about. Capital One does not have the feature to log into my online account then send them a secure message. 

The second thing I would like to say is that XXXX was lying. She said Capital One does have chat when I log into my online account with Capital One. No, I have been looking to chat with their employee when I log into my Capital One online but they do not have that option. 

The third thing is that XXXX responded back and tell me to call their customer service 24 hours, 7 days per week. I have been trying to call them but their wait time is over an hour and I had to hang up each time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
I tried to link my.pnc account with XXXX  and pnc prevented that from happening

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I had a hardship & was in between jobs. And made a payment late, i sent over a goodwill letter asking them can the reporting be fixed. They sent a letter stating i need to reach out the credit bureaus. But i know they are reporting to the credit bureasus thats why i went to the creditor themself. This is really affecting my score this late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I need original dates that accounts were reported/opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
Incorrect date of when account was opened ; account longer than 6 months old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is all started back in XXXX of 2019, when I notified Home depot that I had received bill showing charges made at a home depot store far from my home, they began their investigation, I explained to them that I didn't even have the credit card, because I had cut it up months ago after I payed it of. I received a series of letter showing that the accounts investigation had concluded in XXXX and they advised that all the charges had been credit to the account and that all fees and charges have been removed. A letter dated XX/XX/XXXX, states that another fraud investigation was going on, upon research I can see that the credit card number ends in a different number and I had my son call them and they stated this was for the same amount and at the same store that the other fraud charges were from and also the letter were now in Spanish and I never changed that, I have called home depot every other day and can not get through to them and when I have spoken to someone they give me the run around. I do not have the plastic credit card, the account is still open but I have not made any purchases on it in months. I only shop at the local home depot from my house, I do n't drive far distances. I strongly believe that is an employee doing this because I can seen to get any answers.

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 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC
State: SC

Complaint narrative:
Incorrect date of when account was opened ; account longer than 6 months old

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

Their improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2020-04-25 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: TX

Complaint narrative:
XXXX XXXX XXXX account XXXX and XXXX XXXX XXXX account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed the attached documents on XX/XX/2020 via certified mail for investigation. I have not been notified of any conclusion as of yet. The attached documents show that I settled in full both accounts and that XXXX XXXX XXXX will request deletion of both tradelines from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
I feel that I should be provided relief under the COVID and Emergency Rules of California and also offered a new loan modification offer based on my loan modification submitted on XX/XX/XXXX. My home is set to be sold at an Auction in XXXX. Ms. XXXX XXXX, SN Servicing informed me that they can still sell my home online and that I do not qualify under COVID Emergency Relief because the debt is from XXXX. This is false. They want {$50000.00} to proceed with a loan modification and forced me into a shortsale during the COVID period. I just requested a loan modification and COVID relief in XX/XX/XXXX. Time is of the essence and an urgent matter to me. I will be homeless and currently take care of my XXXX year old mother. I can not locate other living arrangements and need your help during this crisis. I don't understand why big banks and large retailers are given relief but the average ordinary American is given nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citi Prestige credit card. There was a fraudulent charge on my account from XXXX XXXX for {$370.00}. This was a pending charge for 5 days and became an official charge on XX/XX/XXXX. 

I called Citi on XX/XX/XXXX and XX/XX/XXXX and after 24 to 48 hours of trying to get through to them finally got through they said they would mark the charge as fraudulent and send me a new credit card. I did receive a new credit card and a new account number but this charge has now also been billed to my new credit card. I tried contacting Citi but they just kept stonewalling me saying they need time. This is a fraudulent charge and I have been with Citi for 25 years. In the past, such issues have been settled quickly and efficiently. This time, I would like Citi to step up to the plate and settle this issue.

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 2020-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I get between 5 to 7 calls a day, every day for the past 20 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates account XXXX and Portfolio Recovery Associates account XXXX both should be deleted from my credit file according to the settlement agreement documents that I have attached to this dispute. I mailed the attached documents on XX/XX/2020 via certified mail for investigation. I have not been notified of any conclusion as of yet. The attached documents show that I settled in full both accounts and that Portfolio Recovery Associates will request deletion of both tradelines from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have tried to get this fixed from both of my banks it wont let me connect one bank to the other

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( MidWest Recovery Systems ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of XXXX XXXX before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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: FL

Complaint narrative:
I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

Their improper procedures are highly damaging to my credit score. Please immediately delete this item.

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 2020-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting an incorrect account number following # XXXX this is indirect violation of Section 609 of the Fair Credit Reporting Act stating in Advisory Opinion to XXXX  ( XX/XX/XXXX ). " In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file ''. Stating that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. Their improper procedures are highly damaging to my credit score. Please immediately delete this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( XXXX XXXX XXXX ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of VIP Loans before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 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 — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/20, I discovered 2 suspicious pending transactions that occurred on XX/XX/20 & XX/XX/20 on my Target MasterCard & another transaction that went through from same vendor, XXXX XXXX XXXX on XX/XX/20 for around {$68.00}. I called Target XXXX customer service and spoke to XXXX ; therefore, my account was closed and I was issued a new card. The pending transactions did not go through and I was refunded the {$68.00}. However, I was waiting for a refund from XXXX for XXXX. I checked my XXXX account on XX/XX/20 and the refund was issued into XXXX store credit. I spoke to XXXX on XX/XX/20 and told him that I would like the refund back on my Target MasterCard. I spoke to XXXX from Target on XX/XX/20 and I was told that it would take 3-5 business days to show on my new Target MasterCard. However, this did not happen and I have been calling back and forth from XXXX to Target. XXXX from XXXX emailed me on XX/XX/20 that the refund has already been issued back on my card but Target has not posted it yet on my new MasterCard account. I was told by XXXX from Target on XX/XX/20 that it is showing on the old account on XX/XX/20. Then he transferred me to speak to XXXX who told me that I would have to wait 60 to 90 days for my refund because my old account is under fraud investigation. This does not make any sense why my refund needs to be under investigation. I feel that Target is ignoring me and making excuses not to give me back my refund. I also feel that I am have been taken advantage of. My experience with Target XXXX  is awful and I am not getting anywhere talking to them. I still have not received my refund. Please help me get my refund back and resolve this problem with Target as soon as possible. Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From XX/XX/XXXX to XXXX did not receive any transcation through XXXX XXXX XXXX from senders. 
1. XX/XX/XXXX {$840.00} 2. XX/XX/XXXX {$19.00} 3. XX/XX/XXXX {$100.00} 4. XX/XX/XXXX {$5.00} 5. XX/XX/XXXX {$5.00} 6. XX/XX/XXXX {$91.00} 7. XX/XX/XXXX {$180.00} 8. XX/XX/XXXX {$18.00} 9. XX/XX/XXXX {$1.00} 10.  XX/XX/XXXX {$20.00} 11. XX/XX/XXXX {$150.00} 12. XX/XX/XXXX {$100.00} 13. XX/XX/XXXX {$150.00} I linked my email address as the primary XXXX account number since opening the Chase account and never changed. But during that periodI did not receive any transactions from senders. HoweverI received all the email from Chase Quickpay team.

I have called Chase customer service many timesone of the represenstitive said my XXXX was under a different persons bank account and money was sent to him. Other represenstitives told me to ask senders to cancel that transactionsbut all failed to cancel. 
It is so hard to call the customer serviceI repeated the problem many timesbut not be solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
i am very let down by how the goverment agencys such as yourself CFPB have done nothing to help me protect my elder grandfather and his assest he worked his whole life to build. i filed a complaint with i dont know how many agencies that are supose to be there to help consumers and what a complete let down. when wells fargo employees have no morals and can steal and let others steal from customers why would you really think you sending them a letter is going to do any justice for anyone theyve harmed? this is unacceptable. they wont respond to your request so now you may understand what we have been going through! so now what? just a wasre of my time again, more money, ink, a printer, paper and more money to send faxes. well guess wells fargo does what they want at our expense again! thanks for nothing CFPB just more letters to file away proving this goverment could careless what we go through. this is regarding complaint # 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 2020-04-25 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2020 I made a purchase for an item. When the item arrived it was a counterfeit. I called Citi to get a case open on XX/XX/2020. I provided all the proof they needed and they ignored my case. On XX/XX/2020 they close the case on the buyers favor, when the buyer is selling counterfeit items. Citi does not care tho, Ive trying to contact them again but its been impossible since their lines are always busy. They told me to try to shop the item back, but its like {$30.00} just to send back to the country where it came from. Thats why I have tried contacting the seller multiple times but no luck. In the pictured that I provided it shows what I was supposed to get besides what I received.

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 2020-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I went online this month, XX/XX/2020, and initiated multiple online bill payments from XXXX XXXX XXXX  for Additional Principal Payments to my Carrington Mortgage Loan. Each of these payments were subsequently misapplied as regular monthly payments, despite the phrase Additional Principal Payment written in the memo section of the XXXX XXXX XXXX  bill payments. I have physical documentation of said written memo section from XXXX XXXX XXXX  for each of my additional principal payments. 

I have had multiple additional principal payments to my Carrington Mortgage Loan misapplied as regular monthly payments, and this constant, ongoing misapplication of funds has become an ongoing pattern with Carrington Mortgage Services , LLC . Calling and faxing to correct these issues each time they happens has been cost me my time, additional unnecessary interest expenses, in addition to a complete breakdown in trust in Carrington Mortgage Services, LLCs ability to reliably service my mortgage. Carrington Mortgages misapplication of funds has been an ongoing, aggravating issue that seems to have no end.

Company response to consumer: Closed with explanation