vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My son is a member, I have a Power of Attorney to access his account. 

2 years ago our son opened a USAA secured credit card. At the time, we were told by the rep if he makes 2 years on time payments, the deposit would be released and he would be issued an unsecured card. 

He just applied to graduate from secured to unsecured and he was denied. The adverse action form indicated he has a XXXX FICO score but that he was denied for having insufficient credit trade lines. The customer service rep did indicate he had a perfect payment record during the 2 years. 

This seems like a bate and switch. We would have never signed up for a secured card if there was any doubt USAA wouldnt hold up their end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for Capital One credit card on XXXX XXXX 2020. 

I have excellent credit score and I am very well financially stable, zero debt in whole life. 

Capital One did not approve my application and sent me a letter to contact them for verification. 

Capital One called me on XXXX XXXX 2020 and asked me to upload my Driver License over the phone, which I did. They sent me a link thru sms, and I uploaded my driver license back side and front side. 

My Driver license expired this XX/XX/2020, when COVID-19 was at peak. Due to COVID-19, Ohio has extended Driving Licenses Validity for 6 month, so my driver license is still a valid document in Ohio. 

Capital One 's goal is to verify the identity of the applicant, which I did by providing all the documents they asked. More over, my driver license has matching address and I provided my application id, which they sent me thru postal mail. 

On XXXX XXXX, 2020, I spoke with XXXX and XXXX, but still Capital One is giving me hassle to send more documents My question to Capital One is : while I have excellent credit score, zero debt and never paid late for any card, moreover I provided identity verification that still why are you giving this much a hassle to a senior citizen? Are you giving me a loan or are you giving me a just simple credit card? 

Shame on Capital One for developing a such system and handling cases like a robo.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and Westlake Financial Services on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from Westlake in attempting to resolve this matter.

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 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reopened a dispute with Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the dispute was open, I called Chase on XXXX and spoke with disputes and they told me that the merchant has 30 days to respond. As of XX/XX/XXXX I still have not received a response from Chase. I called them at XXXX on XX/XX/XXXX and they are telling me that the dispute was closed and that they did not receive my additional info. I know that that is false because on XX/XX/XXXX I received a letter from Chase claiming they are still working on it. So I am getting conflicting responses. I have fax confirmations that the info was sent on XX/XX/XXXX I have a letter from Chase on XX/XX/XXXX but now they are saying its closed and can not tell me why

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 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 have been disputing this same charge off auto account with both bureaus ( Experian & XXXX  ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. XXXX  shows {$3500.00} past due while Experian shows {$10000.00}. Just a month ago, Experian showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, XXXX  shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? Experian is showing Date Last Active XX/XX/2019. The balance is also inconsistent, XXXX  is showing {$10000.00} while Experian is showing {$10000.00}. XXXX  doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. Experian alsways tells me the account is updated as verified and XXXX  never sends me a response except for a darn credit report and its getting really frustrating.

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 2020-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I initiated a debit card dispute with Navy Federal Credit Union on XX/XX/2020 related to two charges by a travel agency, XXXX. XXXX has repeatedly lied, broken federal law, and changed their terms and conditions after purchase without notification to us. I have written confirmation from XXXX  that the terms and conditions were different when we purchased. I submitted over a hundred pages of evidence to Navy Federal Credit Union in related to this claim and the illegal activity of XXXX. On XX/XX/2020 I was informed that the claim had been partially decided in the favor of Tripmasters based on their new terms and conditions, which were NOT the terms and conditions that were in place at the time of purchase. We are not beholden to their new terms and conditions due to this, as the terms were different when we purchased our travel package. I have submitted this evidence to Navy Federal. I requested a formal, second look appeal by Navy Federal E-Message as directed by a Navy Federal call center representative on XX/XX/2020. I called back to Navy Federal on XX/XX/2020 and got another call center representative who confirmed the E-Message was received but had not been responded to yet and that the credit given to us would be removed from our account on XX/XX/2020. I expressed concern over this, as XXXX acted illegally and I was concerned that the evidence we submitted had not been properly reviewed. I was advised yet again to send another e-message related to the appeal to ask that the credit not be removed pending review of the evidence. 
The credit was removed anyway, despite the mountain of evidence provided to Navy Federal. I have also not received acknowledgement of my appeal or the review of the evidence. This is causing not only financial strain for my family but emotional distress, especially since our financial institution of over ten years is now aiding and abetting a company in committing illegal actions and are going against Department of Transportation regulations related to the COVID-1XXXX emergency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
What happened was they told me they had the right to show the wrong info for 5 years if they wanted to. That means I can't get a bank account with any decent bank until XX/XX/22. 
The deal was a check I deposited that turned out bad I was sent to do a supposed secret shop, which for me was nothing unusual. I had been secret shopping for the last 3 or 4 yrs prior and never had any problems. So when this happened I got so scared that I quit secret shopping all together and just stuck to my XXXX check to live on. 
I have gotten in touch with XXXX XXXX XXXXXXXX and they tell me that I don't owe them a thing and there is nothing against me in the computer, other than they closed my account.

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 2020-08-18 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have an unemployment benefit card from Texas government. I used those funds to purchase items online. Several merchants aren't real merchants. They don't answer emails on time, if at all, their sites for the most part have either disappeared or relocated and I can't get anyone on the phone at US Bank. 

I have been trying to call for at least 5 weeks. I have been on hold over 20 hours. Each time I have been transfered for disputes to report it within the timeframe required, not a single person has actually connected me or helped. This is UNEMPLOYMENT funds. So, if they can hold my money hostage, then, what recourse do I have? We are often told violence isn't the answer. I wholeheartedly disagree. 

Who do I need to actually talk to get my money back. I have no reason to lie. You can contact the shippers. NOTHING has been sent or received. US Bank is in a position to really help people, yet they resort to the same heartless schemes as XXXX and others.

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 2020-08-18 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: TX

Complaint narrative:
I have contacted Experian in regards to credit cards that were open in a result of identity theft and a collection for a apartment that was open in my name without my knowledge or consent. I have sent police reports and utility bill of where I lived at the time that my identity was used. With me providing police reports and utility statement indicating fraud Experian still was not able to prove the collection agency could verify this debt. If they insist they have I request the method of verification. For the account XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2020-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
In XX/XX/2018 my Lease expired on the XXXX XXXX which was through XXXX. At this time I rolled it over into a purchase also with XXXX. At the same time I had a XXXX XXXX but didn't know. During my lease with XXXX I was on automatic payments through their website and payment were made in a timely fashion. I wanted to continue that payment arrangement. I tried to do that but for the first few months they couldn't get the system to function properly. Every time I would call to seek resolution I would end up repeating the same story and couldn't get to anyone to effect change nor could I get a ticket on the problem to reference or a case manager to handle the complaint. After months of the non resolution I stopped making payments and told XXXX I wanted to make payments the way I had for years but didn't want to pay by phone or by check that wasn't convenient. I did this in hopes that it would escalate the issue to someone that could effect change and fix the issue. After every contact with XXXX I told them ( the conversation was recorded ) that I would pay the amount due in full the minute I could pay electronically as I had in the past. My thought was if I continued to pay by mail or phone they would never fix the issue considering it had been months with no resolution. Perhaps non payment would get someone's attention. There are over ten recordings of me saying I would pay immediately if the web based product would function just as it had in the past. In XXXX they repossessed the car and send me a demand letter. Once again I said I would pay the amount due but only by their product that the other 99 % of their customers have access to and enjoy. At this point I felt discriminated against because I didn't have access to the same functions as other customers. I later got the NC AG involved and they wrote a letter on my behalf and agreed with me and we are now in a stalemate. Also XXXX falsified a insurance claim on this car while in their possession as it must have had some damage to it as the Insurance company called to follow up on the claim. This is now effecting my ability to purchase a home and want to access all free services before paying an attorney. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: CA

Complaint narrative:
My vehicle was paid off to a balance of {$52.00} and sold to XXXX XXXX XXXX, Florida on XX/XX/2020. Since selling the vehicle, I have been unable to access my online account and am given little to no information regarding the payoff. A couple of weeks after the sale of the vehicle, I started receiving emails of payment confirmations and returned payments that I did not initiate. I contacted both XXXX and XXXX XXXX XXXX on XX/XX/2020 and was told that the balance was not mine and to not worry about it. At the beginning of XX/XX/2020, my credit report showed a balance of {$5200.00} despite me leaving the car paid with only a balance of {$52.00}. Ive received no assistance from XXXX in attempting to resolve this matter.

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 2020-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am asking your help in recovering {$28000.00}. On XX/XX/2020, I had my XXXX XXXX XXXX initiate a wire transfer to Capitol One Bank, XXXX XXXX, LA. This money was to be received by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX, XXXX Email XXXX Fraud Support Capitol One Bank XXXX XXXX XXXX XXXX. XXXX, MN XXXX Fraud Support, Good day. I am asking your help in recovering XXXX. On XX/XX/2020, I had my XXXX XXXX XXXX initiate a wire transfer to Capitol One Bank, XXXX XXXX, LA. This money was to be received by XXXX XXXX, XXXX XXXX XXXX XXXX, VA, US. ( see enclosed copy of wire transfer ) About a week later my XXXX XXXX banker informed me that Capitol One Bank refused to release the funds to the recipient due to Fraud Concerns. I was told that I would be able to receive my funds from Capitol One Bank in a few days or weeks. It is now XX/XX/2020, and I still do not have my {$28000.00} returned to me. 

I initiated a complaint with XXXX XXXX XXXX Resolution Team. I have been informed that Capitol One Bank has not responded to our  calls. I have a new case initiated I.D . # XXXX. 

I am expecting to receive a reply from Capitol One Bank within 10 business days. If I do not receive a reply from your bank regarding plans to resolve this issue I will be forced to seek a legal remedy. Please help me recover the funds that Capitol One Bank withheld. 

Sincerely, XXXX XXXX XXXX enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Earlier in th month of XXXX I worked with American Express on a card that was opened in my name. Amex removed the account from my credit report and verified the application was accepeted as a result of fraud. This has unfortunately impeded my ability to obtain a business loan back in XXXX earlier of this year. I am happy with the results of the findings, but as a results of this account opened & being charged off I was not able to obtain ledning from a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18 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: IL

Complaint narrative:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not 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 2020-08-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had a charge for almost XXXX bucks on my last XXXX dollars in my American Express Serve account. I called them from the gas station, luckily by my house, to inquire where the money went. We both, them and me, researched the charge and I told them I had no idea where that came from. I was told it would be returned and hold for next person. 

When I held, they hung up. When I called back, on XXXX at the gas station. Alone. No cash. They told me I was going to have to do a dispute. I said I agreed. They said ok. 

Now, they never did either. Then, when my actual deposit hit for XXXX, they locked my card and I had to call 10 times to get them to unlock it. I waited 5 hours. 

I don't like how they treat their customers as if they are doing us a favor. Any card that takes advantage of the poor with nonsensical fees that they don't even consider for mid to upper class, MOSTLY XXXX, people, needs to forever be bankrupt. 

I pray C19 makes you all go bankrupt. 

I closed the account and am waiting on my check. 

It doesn't include that XXXX. 

I want my XXXX too and an apology.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-18 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not 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