vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
During the last month or so the credit card company, Capital One, changed its website access method to include a form of secondary confirmation ( which is normally a good thing ), however the only method they offer for the confirmation is the use of a U.S. based cell phone number. I am with the XXXX XXXX, currently stationed in XXXX, so I use a XXXX cell phone. Capital One has no means to associate my XXXX cell phone with my account, and their website access now appears to be limited to those with a U.S. cell phone number. I am now blocked from accessing their website, which means I am blocked from normal functions of card services but I also am denied access to the Capital One rewards program and my money market account. I have been a customer of Capital One for 20 years and I have never had this issue as before they could send a code to the email on my account to confirm my identity. I have called Capital One several times and only received apologies and acknowledgment of the issue since they changed their operating system. The only solution they offered was to have me call them if I needed my balance or to maintain a U.S. cell phone number for purposes of Capital One account verification. I was hoping to use some of my Capital One rewards over the holidays and was planning on moving {$10000.00} from my Capital One money market account but apparently Im held hostage to this credit card now until I am stationed in the U.S. again. This is shocking to me as I have never had this problem before when accessing my various accounts all over the world during my military career. Even my banks offer verification by email. Capital One phone representatives ( including " supervisors '' ) seem to view this as a mere inconvenience to me but I have no way to unblock my account until I return to the U.S. and get a U.S cell number. This issue came about when Capital One sent me an email about an international charge, and it was a charge I did not recognize. Apparently they are comfortable communicating with me about potential fraudulent charges using the email they have on file for me, but they will not allow me to use that same email to confirm that I am the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
Previously filed complaint XXXX, requested that HSBC review historical " checks '' sent via bill pay to determine if there are any historical checks which have not been cashed and not be refunded to my account. I had two instances that I knew of and have had corrected but am requesting that the bank identify any others since this information is not available to me via website nor via their helpdesk. The response to the complaint researched one check but not all checks submitted through bill pay. Please research all bill pay checks for the history of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
THIS ACCOUNT IS NOT MINE, I WAS ONLY authorized user while working for company. PAYMENT WAS NOT MINE FURTHERMORE IF IT WAS MINE IT WOULD HAVE BEEN INCLUDED IN MY BANKRUPTCY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31 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:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

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 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 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: FL

Complaint narrative:
Have been an victim of identity theft. I have located that there is a XXXX XXXX account in my name going to a previous address.

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 2018-12-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have tried negotiating to pay Zales the full original balance and have this account closed and removed from my credit report or updated to paid in full and late payments removed. Agents have hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Predatory lending violation via telemarketing by 2 XXXX XXXX Wells Fargo telemarketers to an elderly couple violating CT state predatory lending laws to the elderlyand especially to an XXXX & XXXXyr old couple with XXXX and XXXX. The elderly couple were enticed into a 30yr refi via landline by 2 telemarketers from another state. No mortgage protection insurance was offered, no attorney was available to protect the borrowers. There was no understanding by the elderly couple of what was transpiring. Undo pressure was placed upon them by the telemarketers. The fraudulent telemarketers knew there was no way an XXXX & XXXX yr old couple could live for 30 years or survive to repay a loan on one income should and when one of them died. The telemarketers were only interested in their commissions & not one humane thought was given to the elderly couple. Telemarketers knew couples inability to repay the loan would render the survivor homeless or into foreclosure. Couple has since passed away & as their daughter, I was quit claimed their home. Upon learning of the loan 's fraudulent inception, I began asking Wells Fargo questions for over a one year period that they are unwilling to answer. I have stopped making payments as I will not pay for a criminal act. They have my phone # yet, say they are unable to contact me? Untrue! Contact @ Wells Fargo : XXXX XXXX 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 2018-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
On XX/XX/2018 I sent a letter to XXXX XXXX requesting them to provide documentation associated with this account bearing my signature. Since I havent heard from them I mailed another letter requesting the same information and still no response. This isnt my debt ; the name they are reporting to the credit bureau isnt spelled correctly and the address they are reporting I havent resided there in over 20 years. Ive provided the credit bureau with a copy of my driver license, social security card, and an up-to-date utility bill to verify who I am. I dont recognize this company nor have I ever heard of them until they started to report this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
in XXXX I filed a claim for lost travelers checks with American Express. multiple phone calls and emails. first they said I had to file a paper claim. when I did, with the forms they sent me, they said it was wrong form. filed again. in mid XXXX they said they sent a check. never received. called again. on XX/XX/XXXX said they would send another check. called XXXX said they sent check still have not received either one. They keep telling me to send me my bank info for an e-check. i keep reusing and said paper check ( which they said they sent twice ). phone number used is XXXX XXXX XXXX. 

email : Dear Ms. XXXX, Greetings from American Express. 



I am contacting you with reference to your claim for American Express Travelers Cheques. 



I would like to let you know that your claim was approved and the Refund Cheque was issued successfully to you on the XXXX XX/XX/2018 to the below mentioned address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI - XXXX XXXX Refund Cheque Number XXXX If you have not received the refund cheque by now we can place a stop payment on the cheque that was issued and do a bank transfer instead for faster refund. 



For bank transfer we will need the following details Bank Name Account holder name Account Number Routing Number If you have any questions please call American Express immediately at XXXX quoting your claim number. 



Yours Sincerely XXXX XXXX Claims Review Department American Express ( XXXX XXXX +XXXX amount was {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OR

Complaint narrative:
Since XXXX of XXXX I have been trying to get a claim the has been reported by NexisLexis on my XXXX   report corrected, It was a hit and run to MY car in a parking lot. I was not even there when it happened. They have it as a at fault collision. I have sent them copies of the letter from the insurance company that states I am not at fault 3 times and I have been told they changed it in my record, but still to this date it comes back as an at fault accident. This makes me have a much higher premium than if it was not on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
Called to request equity information for/concerning PMI cancellation. Company refused to help me/transfer me to a loan XXXX that would provide me with this information. Was put on hold for 45 minutes and then Freedom Mortgage disconnected the call. First customer service representative told me to " write a letter '' in order to get me off the phone, but could/would not answer my additional questions. Company is clearly refusing to provide me with loan information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX IS VIOLATING THE " DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT '' ESPECIALLY TITLE X. THIS IS WHY MY CREDIT REPORT IS BANISHED, THEY CAN NOT HANDLE THIS LAW.

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 2018-12-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : Kohls account late charge explanation and rebuttal Account # : XXXX To whom it may concern, I rarely use my Kohls card. When I do its for small purchases. This one was a shirt for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I got the email on my statement. On XX/XX/XXXX, before I made a payment, I went in and edited my bank account information. 

I changed the account number, and clicked submit, then went in and made a payment. 


I never received an email that this payment failed. 


I was confused when on, I received another email that I had a balance, which had doubled ( which I shouldnt since I paid it ), So once again, I went in, updated my bank information, clicked submit on the edit, and made the payment. 


I logged in and checked on XX/XX/XXXX and it says you have a balance of {$0.00}. This was when I realized this takes a week to update the balance after a failed payment. I immediately called Kohls, ( the balance still said {$0.00} ), filed a complaint, and asked for a credit for my fees. ( I received no email on this nor confirmation number on my complaint, but when I called again, they had it on their record ) On XX/XX/XXXX, I did the same thing again. I logged in, changed my account, clicked submit, and made the payment. Immediately after, I called, and asked them to run my debit card to make the payment since It was going to tell me {$0.00}, and I would be charged more fees. ( see second payment on XX/XX/XXXX ). 

The bottom line is, their edit feature on their page is faulty, and because of that, my credit score dropped over XXXX points. As you can tell from my history, this is not a normal occurrence. I would like to be credited all the fees, and the late payments removed from my credit report. I would really love to close this card, but I do believe it would cause much trouble with my credit score at the moment. 

I've attached a detailed document with screenshots for the incident as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Tried go into an income based or pay as u go repayment plan and they kept advising to go into forbarence and now loan is twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I contacted Transunion on XX/XX/XXXX regarding hard inquiries. After reviewing my credit report I noticed that I had been a victim of their inquiry issue, where there were hard inquiries added to my credit report that I did not give authorization for. The customer service woman refused to listen to me and kept talking over me after she asked me a question. She told me I needed to contact the companies myself, which I explained to her that I already had contacted these companies. She then proceeds to tell me that if I do not contact the creditor there is nothing she can do. Transunion reinserted previously deleted information so why would I need to reach out to the creditor when this is their problem? 

These are the inquiries that are a problem ( along with many more ) : XXXXXXXX XXXX XXXX XXXX XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX, National Credit Cards/Airlines XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX, Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance  XXXX XXXX XX/XX/XXXX, Automotive XXXX XXXX XX/XX/XXXX Finance

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 2018-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Auto Trakk, LLC
State: NC

Complaint narrative:
The has been in the repair shop sine the beginning of XXXX I explained that i will have to pay for this care to be repaired and had to pay for rentals in the beginning. They stated they can only offer me an extension. I explained it is a hardship right know not having my car and I have to save the money when it is ready. The call me 6 times a day back to back it is XXXX and they Just called and left 2 messages. the car is already disabled I do not understand what they want me to do. I have answered them via email I do not want to talk because I am at work I told them to contact me via email. Harassing needs to stop until I have my car returned or they need to contact me via mail and email. 
Autotrakk which I pay weekly Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: OH

Complaint narrative:
on XX/XX/18 someone used my XXXX  XXXX  card number ( card was not stolen ) to make 2 purchases at XXXX in XXXX XXXX NY one for {$15.00} and one for {$170.00} both cleared on XX/XX/18 after i had already called XXXX  XXXX  from finding it online at there website. why they can not stop payment needs to be addressed, they canceled my card and sent a new one about 5 days later, they also sent a fraud questionnaire which i returned on XX/XX/XXXX. along with a police report from the XXXX. over the next 23 days i kept calling and they kept saying they have not received my letter and nothing could be done as far as a provisional credit for my account.i informed XXXX XXXX  personal every time i called that i have been completely out of money ( i mean not even a dollar bill ) since the XXXX of XXXX. calls made on the XXXX. on the XXXX a XXXX XXXX  lady said ; we received your letter on the XXXX but that is 2 days past the deadline for a provisional credit. note ; ( on the XXXX. XXXX  XXXX said they had not received my letter yet. ) i told the lady i can not control the mail and it is the holidays so it may have been a day or 2 at most delayed and your going to tell me i will half to wait until the investigation is finished before giving me the credit! she said ; we can not control the mail either, can i help you with anything else. i said yes, you guys can do what your suppose to do and credit a persons account not make some excuse about the mail being late.later that same day a man from XXXX XXXX called named XXXX he said he received my request for expedited case, i said today, he said yes, i said a lady from XXXX XXXX  did that back on the XXXX 4 days ago. he said we received your letter but there is no postmark on the envelope, i said you can be sure the letter inside has a date on it. he said i will try and get this information to the investigator on Monday the XXXX. i asked him if that person works in the same building, he said yes. i said you have got to be kidding me, he's in the same building and you can not walk over to where he is and give him this information. i told him the entire story from the XXXX of XXXX to now, he said ; i will see what i can do today, i said i would appreciate that. it is now XX/XX/18 and my account still shows XXXX  balance and both fraudulent charges still appear on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc.
State: FL

Complaint narrative:
I never E Sigmed for a loan with XXXX XXXX XXXX. They keep calling and harassing me, they dont stop. I want proof that It was my signature on the pay day loan, that they claim is my loan.I contacted XXXX  to monitor my accounts for fraudulent activity. 
There Was no legal documentation sent to me. I want proof., I dont have any. 
They never answer the phone, you give up trying. They are criminals.

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 2018-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
Call protect blocked 14 calls from this number in less than one minute. Blocked it as severe fraud. XXXX   the phone number and saw several reports of it belonging to XXXX XXXX  XXXX. I can provide screen shots of the call logs from my phone.

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