vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 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: FL

Complaint narrative:
I recently opened up a Capital One secured credit card to start rebuilding my credit. Slowly, after a couple of months, my credit went up enough to get a second card, which was unsecured Capital One Quicksilver. I had payments automatically debited from my checking account each month. In XX/XX/XXXX if XX/XX/XXXX, I wondered why my payment hadnt went through and I called and they told me that my automatic withdrawal checking account had been closed and that terminated my card. Not only did they terminate that card, they also terminated my other Capital One card as well. It wasnt even associated with this issue. The main problem in all of this is that my checking account was not/ and still is not closed. It remains active and has up until now. My Bank told me that they will give me a letter stating that my account was active and no payment was ever initiated via Capital One but Capital one was uninterested in hearing this and they told me there was nothing they could do but they were cancelling my cards all together. That was what I had intended on using to pay for XXXX so it really messed me up. This is unfair as it also hurt my credit score when they closed these accounts. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting a collection to my credit with a balance that was paid off in XX/XX/2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.

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 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened a checking account over the phone. This was tied to a promotion advertised on a flyer that I received in the mail. The promotion offered {$400.00} for opening a Premier Checking account and having a {$500.00} direct deposit prior to XX/XX/XXXX. I met the offer terms as required. Bonus was to be paid on XX/XX/XXXX. 

I did not receive the bonus on XX/XX/XXXX. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX and have spent over two hours, however the reps have been unable to resolve the issue. 

I am currently still waiting for the {$400.00} bonus to be paid to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  XXXX XXXX from midland credit management called a thirds party relative regarding four ( 4 ) credit card accounts they have in collections. He disclosed the amounts owed and to whom they are owed. This relative is not authorized on any accounts and has no knowledge of these accounts. This is not acceptable and is a violation of fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
After numerous phone calls requesing the account to be closeed, the last on one on XX/XX/2020, Citibank will not close my savings account which has a {$0.00} balance. 
My concern is that they will charge me a {$25.00} monthly fee.

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 2020-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America opened an account without my permission, knowledge or authorization.

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 2020-02-04 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: AR

Complaint narrative:
I received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-04 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: AR

Complaint narrative:
I received a couple of bills in the mail stating that I needed to make a payment for a loan. I don't owe a loan. I don't have any loan under my name. I then called to verify and all my information had been used to open this account. I got a copy of my credit report and saw two loans and a couple of other fraudulent items that are not mine. I have never seen these items in my life. Please remove these items from my report. Thank you. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Once again I reached out to Capital One and they will not lower my monthly payments so I can continue paying them at a amount I can afford right now. I offered to pay {$65.00} a month on my 2 cards so that is {$130.00} total. They tell me they have no hardship program for me. So I am trying to keep paying them but they will not work with me. I am 3 months late on one account and 2 days on the other one. I have been calling the agent that was supposed to be working with me for 3 days and leaving messages with no call back. So today I ask for a new agent and she said there is no program for me. I have had a great payment record with Capital One all the way till this point. I am trying to do right and not run from my debts but they dont want to help. At least they would be getting something rather than nothing! Please Capital One help! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called the company in XXXX. I was not able to get a live person on the phone.

I requested a chat session on their website, with no response.

I emailed, but they did not contact me.

I sent a letter requesting an " unfreeze '' but they did not respond.

I attempted to unfreeze it online, requested a new pin and requested a one time unfreeze for a creditor, Each time I submitted the requests an error message that they could not process my request showed up.

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 2020-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MD

Complaint narrative:
Stop bothering me I do not know your company and i have never done business with it,

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 2020-02-04 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: TN

Complaint narrative:
I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead 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 2020-02-04 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: TN

Complaint narrative:
I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have three XXXX tradelines which incorrectly show delinquencies which are negatively impacting my credit and affecting my ability to provide a roof over my families heads. In all cases I was told by XXXX XXXX representatives that the forbearance 's granted would cover all missed payments and therefore no missed payments should have ever been reported. Attached is proof where the forbearances were granted and language within the forebearance approval or correspondences clearly show I the customer was lead to believe the forbearances were retroactive. I am prepared to take this to my attorney with the intent to file a class action suit because I am positive others have been mislead 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 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
Good evening I have a issue so I paid a debt through the debt collection which is Overton Russell Doerr and Donovan agency back on XX/XX/2019 and its still showing on my collection agency I was under expression that they had 90 days to report a paid balance to a collection agency and here it is XX/XX/XXXX and I go to the bank to get a loan possibly for a home mortgage and they said they are still on their which is way past 90 days now so i have my statements from when i paid i also called and her exact words we received payment but never reported it so we will now and it will take about 60-90 days i find it very upsetting that i have to wait another 90 days. Which puts a hold on me purchasing a home which  also a inconvenience due to my wife is set to have a child in XXXX and we are living with her mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent them a letter to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. ( The XXXX XXXX main company is also in XXXX Ohio ) I called where Mr. XXXX works at. The operator told me that he doesn't work there anymore. I asked if there was any other person taking my account and she didn't say and hung up. ( I sent a letter on XXXX XXXX .I called on XXXX XXXX. To find if they got my letter. That is when I found out Mr. XXXX didn't work there anymore. ) I called on XXXX, XXXX and spoke with operator and gave her my case number XXXX. She looked that up and transferred me to a location, never said where I was being transferred too. Automated service came on asked question. I tried answering questions. I wait on phone for 20 minutes. No One ever  came on. So I hung up. Tried calling the number I received the other day. It was the same automated thing from before. 
All I want to do is solve this issue. It has been going since XXXX with 5 collection companies and the problem started with Citibank/Costco visa credit card. 
That is why I writing again on this company XXXX XXXX because you can go to reference # from this complaint XXXX also from CFPB on XXXX XXXX, XXXX. 
At least Mr. XXXX could told me that the company was from XXXX XXXX. 
I feel that I have been lied to and harrassed by these companies. No one cares about me at all. They just want to go by what Citibank has for the debt. 
I don't owe the amount they are saying and no one is listening to me. Customers have rights too. There isn't anything in the fair trade act that has been done yet with this issue. 
I feel that I haven't been treated right. I have had to get someone to monitor my phone calls so I won't have to harrassed 10 times a day. Anyone who calls can leave a message for me to call back. I just want to be treated fairly. 
Integrity is very important. 
I also have been advised by a lawyer. He told me to go to the CFPB and also send the letters. I did that and never heard from anyone.The letter I received from XXXX XXXX on XX/XX/XXXX and also finding out from XXXX said to call XXXX. 
The amount was {$8500.00}. 
I just want to know who has taken over the account after Mr. 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 2020-02-04 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: MI

Complaint narrative:
I have been a victim of Identity-theft as my personal data has been compromised by someone and used for some time now for them to open or attempt to obtain benefits from various sources over some years now. I have filed several reports previously to the FTC, CFPB and local Authorities to obtain some resolve to this ongoing illegal and unauthorized activity. I can not obtain the credit I personally deserve because of the credit others have illegally obtain under the guise of my personal identity. They have obtain Student Loans, Auto Loans, Medical Services, Housing and others financial benefits without any authority from myself and I need it to stop immediately and my good name restored.I will be seeking relief from the Attorney General Office of Michigan if this is not cleared up immediately pursuant to FCRA 605 ( b ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been hospitalized several times and have had several XXXX. 
I need mortgage assistance with my home because I don't want to lose my home. 
I have recently request mortgage assistance several times and Chase is unwilling to to assist me. I don't want to lose my home. 
Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for a Citi checking account in a promotion to receive XXXX ThankYou Points ( value : {$500.00} when used for travel ), which required me to open a checking account, make a minimum deposit, make a couple bill payments in a certain amount of time, and maintain a minimum balance. I had done these things but then Citi abruptly closed my account, claiming, incorrectly, that I did not provide certain information in a timely manner. After failing to resolve the issue with the bank, I submitted a detailed CFPB complaint ( # XXXX ) on XX/XX/19. Soon after, I was contacted by " XXXX '' from Citi who reviewed the evidence I provided in that complaint that Citi had acted in error, and XXXX re-opened my checking account and agreed to credit my account for XXXX ThankYou Points once the minimum balance was in the account for the required time. Apart from the ~1 week in between my account closure and re-funding it, Citi has had {$15000.00} of my money for 4 months now. XXXX left me a phone number to contact her, XXXX. Nearly 2 months after last speaking with her, my account has not been credited with the XXXX points and I am unable to contact this person. Despite repeated attempts she does not answer her phone and, curiously, she does not have a voice mail. Without any other way to reach her, I have contacted Citi online and by phone, where I was bounced around between several foreign  call center employees, none of whom had a clue how to help me. So once again I find that I must file a complaint with the CFPB, since Citi has made it impossible to get a hold of someone who can help me ; unfortunately this appears to be the only way to reach someone at Citi who has the power to make things right.

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 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2019 I noticed funds had transferred from my checking account to my savings account which caused my account to go into the negative. Once I noticed the transaction which caused my account to go into the negative, I immediately transferred money from my savings account to my checking account to bring it back positive. Everything was fine until the next day, I confirmed I was still charged an overdraft fee. When I attempted to resolve the issue w/ a customer service representative with the bank, I was treated in an unfair and deceptive manner. What should have been a 5 minute call turned into 30 minutes as the representative was trying to have me pay half of the fee even though I brought my account into the positive and kept placing me on unnecessary holds. He refused to put a supervisor on the phone multiple times and continued to try and lecture me on why BBVA banks billing/fee practice were better than other banks. In the end he refused to end the call and wanted confirmation that what he did was ok. I felt the need to present this complaint as I hope no one else has to deal with what I had to today.

Company response to consumer: Closed with explanation