vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I scheduled a payment for {$200.00}, more than my monthly payment, to lower my balance. Unfortunately, the day in which it needed to be withdrawn from my account, another bill was processed and the {$200.00} payment to CapitalOne was not processed. CapitalOne interpreted this as fraud and terminated my account completely. I attempted to reach out to CapitalOne to resolve this matter, however they declined to reinstate my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
To Whomever This May Concern : My patience is getting very thin with Equifax. To the point where I am about to retain an attorney. A XXXX called me on XX/XX/19 at XXXX pm. She told me that the inquiries in the attached document would not be removed, even though Equifax stated that they would. That is unacceptable and I have the ammunition to sue because they removed them and then added them back on. I need those inquiries in the attachment to be removed asap. I have sent over information and identity theft affidavits verifying identity fraud and now Equifax decides that they are going to add information back on to my report without my permission after they said they would remove it and they put it in writing. I don't think so. I am giving them one more chance to fix this before I exercise my rights to file a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. XXXX card XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019. XXXX did not seek my approval prior to doing a credit check when I called to inquire about my recent application. going forward, these unauthorized credit inquiries will make me appear to be a desperate consumer and will make me completely ineligible to be extended credit. Furthermore, recent inquiries will cause a significant drop in my credit score that will be almost impossible to recover from in the near future.

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 2019-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On Tuesday, XX/XX/2019, at XXXX PM I contacted Ford Credit customer service in regards to a hardship I am having with paying for my vehicle. Financially, I am unable to make the payments set at the current rate, and asked Ford Credit for options to manage this loss. The first representative offered a resolve to possibly re-write the contract for a longer term, with a lower monthly payment to which we agreed I could afford. After running the process, I was denied a contract re-write for the reasoning that I am not far along enough into the contract to grant a longer term with lower payments. After stating that I have no other options, the representative offered alternative solutions that were not helpful. 1. I could find a friend or family member to take the contract. 2. I can pay a sum of {$5000.00} to lower the loan balance, then I could possibly be granted a re-write. Or 3. I can work with the dealership that originally sold me the car to get into a different vehicle with lower monthly payments. All three of these options are not possible as I have already expressed them, and sought help from Ford Credit as a last resort. When I stated that I considered the possibility of bankruptcy, and asked if I would still be pursued for this debt after doing so, the representative stated that I or the co-signer would still be pursued for the debt. I then requested to speak with a manager to see if they could help come to a resolution with the problem. The manager stated the same options as the initial representative, and had no solution. I then asked to speak with their manager. I was placed on hold for more than 10 minutes, during which I had to leave the call, as it had been 1 hour and 2 minutes into the call, and I had to care for a family member. After being on the phone for that long, it is frustrating to not receive any sort of helpful resolution from the financial institution while still getting a survey asking about how my experience went.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was in dis belief when I saw the late payments on my student loans. 

Late Dates are not listed but it says 90 to 119 recent days late. 90dayd would be XXXX XXXX and XXXX 2019 but the picture of the debt dont show any latex in 2019 Account names Dept of Education XXXX Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: CT

Complaint narrative:
My credit card account with Capital One was closed, a balance of around {$5800.00} or more left on it, well over my credit limit in the amount of {$5000.00}. I do not have account number available to me at this time. Prior to this, I attempted in good faith to lower payment amounts/work out a payment arrangement. Capital One does not offer any hardship program, did not offer any kind at the time. There are several fraudulent charges on the account, I attempted to make these arrangements despite these charges. The live chat rep at the the time would not cooperate and stated to wait until a recent payment posts before making any kind of future arrangements, a prior CFPB complaint was made pertaining to this and against that rep in question. The account was later charged off due to failed attempts at lowering payments and resolution of fraud charges, account sent to an attorney here in Connecticut. The attorney was offered a settlement amount of which I do not recall, however, he did not accept it. On XX/XX/2018, a close out check in the amount of {$4200.00} was sent from Capital One via XXXX, intercepted by a third party and cashed in my name fraudulently. This amount represents the remaining balance in the Capital One 360 Checking account. I was in XXXX XXXX at the time check was left at my address, intercepted by third party and cashed. I did not receive any of the funds, numerous CFPB complaints made pertaining to this issue and unresolved, Capital One will not reissue check or investigate further, despite information I provided showing I did not receive funds. If Capital One will mark my credit card account as paid in full with a XXXX balance, I will consider this matter as resolved. If not, Capital One will not see any payment on account as again, there are fraudulent charges which were made on it and I am owed {$4200.00} for intercepted check. If they will accept this amount as payment in full, this will resolve both issues. Failing to accept this offer, Capital One will not see any payment on account and additional complaints filed in regard to intercepted check and funds owed to me. I believe this is a fair offer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage was previously with XXXX XXXX, but XXXX XXXX sold the note to Select Portfolio Servicing. I am currently paying amounts significantly in excess of the minimum payments which I request to be applied to the principal balance ( $ 10K- $ 13K/month ). However, they are not applying the extra amounts to the principal. They are leaving most or all of the extra amounts as " unapplied ''. I am therefore being charged interest on the amounts that are intended to be applied to the principal. 

They also skip sending me statements promptly on monthly basis. 

The first payment was made to SPS in XX/XX/2019, but I have received only 3 statements XXXX through XXXX. 

I am requesting that I receive monthly statements promptly and that the extra payment amounts be applied promptly to my principal balance. The statement should reflect these applied payments, along with a new principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On or about XX/XX/2019 at a XXXX hotel in XXXX XXXX, NV. We were conned in opening a timeshare with the promise that we can pay the total amount in 24 months, 0 interest. 

On XX/XX/2019, we received a statement from a company " XXXX XXXX. '' At first I did not know about this company as I was expecting that I will be billed by XXXX. Apparently, they are the one handling our loan. 

On the bill, it states that we need to pay on XX/XX/2019, however, on our membership agreement, it states that we need to pay our first installment on XX/XX/2019. We just let it pass and pay the minimum installment. 

Between XXXX to XX/XX/2019, " XXXX XXXX '' charged us {$2.00} fee, twice without any reason. In addition the statement says that we need to pay our balance by XX/XX/2019, otherwise they will charge us with interest. 

I reached out with " XXXX XXXX '' which is owned by XXXX to file a complaint and told them that that is not right as the membership agreement said that we won't be charged with interest at anytime during the 24 month period. However they did not addressed my concern and just gave me typical canned response. 

Fast forward to XX/XX/2019, I received a billing statement with an interest charge of {$350.00}. This is totally in contradiction to what is written on the membership agreement. 

Hopefully our story might be lesson to anyone thinking about getting a timeshare from XXXX or even opening an account with XXXX, they are horrible companies. Stay away from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I would like the removal of fraud alerts

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 2019-07-17 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
The problem started on XX/XX/XXXX, when my husband and I were applying for a home mortgage. The credit report showed a problem with my husband as a authorized user on my account and it placed his credit score at zero and no credit history. I contacted the credit card company and they stated there was no problem with my husband with them. The company in question requested I fax the copy of the report with my husband 's social security number, home phone number, credit card number and sign my name to the request. After getting the wrong fax number I finally got the fax to go through on XXXX, XXXX, I telephone the company to find out what is happening. I was told on XX/XX/XXXX, it would take twenty-four to forty-eight hours for the credit card companies, Credit Bureau Dispute in the internal division to investigate the issue. I called and talked to a supervisor who is a service representative on XX/XX/XXXX. She explained the twenty-four to forty-eight hour response time started on that date as they do not work on weekends. I telephoned again on XX/XX/XXXX and I was told to wait another day. Time is of utmost importance since we can not get a loan without the credit card company sending a letter stating my husband is not in dispute with the company. We had an excellent credit score for forty plus years and this is a first. I pay off the credit card company monthly and have no outstanding loans now. We own several homes that are completely paid for. The last loan we had was in XX/XX/XXXX in which our credit was excellent. We are in escrow now but without a bank loan and may default due to this problem. 
All we want is a letter faxed to the mortgage company stating there is no problem with my husband on the account. I have had the credit card for over twenty years without any problem

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
barclay credit card company allowed an automatic renewal charge to be placed on an inactivated credit card in XXXX XXXX the credit card had been inactive since XXXX XXXX. they subsequently charged me over {$45.00} in late fees and reported my account to the credit reporting agencies, thus decreasing my excellent 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 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have called PayPal on at least 7 occasions and spent hours on the phone trying to get get adequate proof of debt. I have been given only an amount of debt but no underlying transaction information. Please see the attached letter from collection agency and my response. As discussed in the letter, there were a series of fraudulent charges to my PayPal account. When I thought they were resolved by PayPal, I closed my account. There should be a series of transactions : fraudulent charges, credits by PayPal .... I need to see these itemized, so that I know if there is indeed a legitimate debt to PayPal. PayPal says that because my account is closed, no one at PayPal can give me that information.

I want to resolve this before it impacts my credit.

Thank you for your assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 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: MO

Complaint narrative:
I meet a white male on the XXXX  app who said he paid Citi card off, I provide him my password and username. I let a person into my Citi to help to pay credit card XX/XX/2019. This person in turn want to 10 gifts worth {$1000.00}. I owe {$990.00} which he paid off by his credit card. I was told by XXXX it was scam when I try pay for ten gifts with {$200.00} dollars with cards. They ten gifts card are steam. This person add his bank acount on my Citi credit card which I delete his account off my card as soon as I found it was a fruad or scame I report it to Citi bank, change my password, cancel the old card and replace it with a new one. The Citi put the {$990.00} back to my bank and charges back on my credit card. I know owe this person {$990.00}, because Citi Credit card will not refund him back.. I am getting text s from him and what he claims to be his borther. This person claims his borther works for the FBI. The borther got hold of my phone number without a warrant, so he has my address and phone number. The guys name who paid the credit claims to be XXXX XXXX. They have provide me this information Account number : XXXX Routing number : XXXX Name : XXXX XXXX XXXX : XXXX XXXX All I want was to give the money back to him. They threating me to press Criminal charges on me. All Citi has to do is refund the money back tohim. I receiving text from these numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX. I try to send it via XXXX, but my told me not wire money this individual. I call XXXX to cancel this transaction. Also, I got a money at XXXX on XX/XX/2019, so I can mail some money back him. I was trying payment arrangements with him and his borther. I still have money order will put the money to my account. The bank resend the back to my credit on XX/XX/2019.

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 2019-07-17 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I tried to unfreeze my Equifax account to apply for a new credit card. I was unable to create a myEquifax account to do this, as it told me I entered the verification questions incorrectly. All verification questions had nothing to do with me ( including asking about a car loan when I've never had a car payment in my life ). I called Equifax and was told to mail in a copy of my social security card and drivers license to Equifax Security Freeze Department ( I mean seriously, do they want my identity stolen? ). When I tried getting my free credit report to at least make sure someone hadn't stolen my identity, I ran into the same problem and was again asked about car loans in the verification questions. 

XXXX and XXXX  credit reports were normal, so I'm hoping I don't have a problem with my credit with Equifax. But I mean seriously, it should be illegal for them to be so incompetent. Now I have to mail in sensitive information and I can't figure out why. I haven't contacted Equifax since I froze my account in XXXX ( which, incidentally, was done BECAUSE of them in the first place ). I can't apply for the credit I need now. And my identity might be stolen, who knows? Not Equifax, probably.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One sent me a letter informing me they had closed my account as of XX/XX/2019 due to inactivity. They gave me no forewarning, they did not contact me before hand, and as a result they hurt my credit score at a time I am making future plans for marriage, new vehicles, and home ownership. Electing not to swipe my card at the store should not validate the arbitrary closing of an account when I have held that account open for over 15 years as part of a comprehensive plan to maintain a stellar credit score. 

I attempted to call customer service twice, and asked to be escalated to a supervisor twice in order to have the closed account reversed. Both times they hung up on me before I was able to make my case and request that my account stay open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax it kept asking me wrong questions and this is one services I can not get into and correct and it tell me start over And XXXX I can't get into my account I paid for and I disputed the services and never returned my money from bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TX

Complaint narrative:
I submitted two letters at different times over the past few months ; disputing incorrect information on my credit report. I asked the bureau to provide me with the written and signed contract between myself and the collection agencies that reported. I was told to call them ( collection agencies ) myself, ( the bureau ) we're not doing so. I then asked for the letters or means of verification that the bureau received and they refused to give it to me, or verify their verification process. I demanded that the derogatory data be removed and they reinerated that it was verified. I do have letters that I sent to each bureau requesting these things to be removed. 
They also added a last name to my name that isn't mine.

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 2019-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XXXX, I co-signed a {$8000.00} student loan for my daughter. Until this month ( XX/XX/XXXX ), I never received any kind of statement. I was surprised to see that they started charging fees in XXXX. Also, they have started calling me relentlessly, although my daughter pays them, but she is sometimes late. Now they act like I'm the sole contact. I feel harassed. I've paid only a few times to help my daughter out. But I requested a history of the loan last month. I feel the fees and interest are excessive. It seems the loan does not diminish and they call and say the loan is past due even when I've sent 2 payments. It's always " the account is past due ''. I believe they're being deceptive. How could I know if I did not receive statements as co-owner of this loan?

Company response to consumer: Closed with explanation