vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Backgound : We are snowbirds and own two homes. Our permanent & billing address is in XXXX. We were in XXXX ( our summer residence ) when my card with Capital One XXXX. The Post Office in XXXX didnot forward the replacement card that Capital had sent to my XXXX  residence. I called Capital about the situation, that we would not be back in XXXX until XXXX due to some health issues. The Capital One employee said no problem, she would issue me a new Card and send it to my Summer home address. 
I received the card, activated it, and used it to purchase groceries on XXXX at XXXX in XXXXXXXX XXXX. While at Walmart making a purchase, my card was denied, while still in the store, I called the Fraud depart at Capital One to let them know that I had the card. I was not asked the typical security questions that would identify me, but instead was told that my card was restricted until I send in : 1.Name & Address ; 2. Phone Number, 3. Proof of address -utility bill 4. copy of my Social Security Card 5 . Copy Front & Back of my Driver 's license. I did not have to furnish that info when I got the card. They wanted me to upload in an Email. I explain that I was not comfortable sending all of my info over the internet, I would mail. I also explained that my SS card was in XXXX in a safe. They would not make an exception. So I mailed everything listed above except SS Card, but put a copy of my Pasport to prove who I was, and mailed it to them by certified mail. That was not acceptable. So when we got to XXXX this month XXXX, I contact Capital One again, and this time I did email everything that they requested. Two weeks go by, I hear nothing, so I called and the goal post has now changed again. The associated said that my Driver 's License was blurry ( I scanned it in, it was not blurry on my end ), and that the utility bill was in my husband 's name, not mine, ( even though he is on the account it didn't matter to this girl ). She now is requesting a copy of my Bank Checking Statement with the whole account number visible!!! I hung up, knowing that they for some reason was not going to lift the restriction. I have been a long time customer 10 plus years, always paid my bill in full and early. I even paid the amount that I owed while my cared is on restriction, why would I do that if I am not the person on the card?? 
Please help me solve this problem. I have reward points on the card that I can't use until the restriction has been lifted. 
PS : I even wrote a letter to General Correspondence Department explaining the situation and crickets from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On About XX/XX/XXXX I learned that a fraud notice was place on my account for no reason Known to me. There is not now nor has there ever been any fraud on this account which I have had since XX/XX/XXXX. Not even a negetive balance. 
I spoke with customer service several times just to be transfered back and forth, Hung up on treated very Rude, and plain unfair. While trying to just gain access to my money.. 
During this time I inform this company that I was evitcted during the pandimic and therefor only have a XXXX XXXX XXXX my address and per there policy I cant get a replacement card nor close my account to withdraw my XXXX unless I created an address I donot have. They refused to take the block off they account because I was homeless. 2 months later they are still holding my money from me and refused to send My new card to they only address I can access to receive any mail my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
To whom it may concern, I am reporting predatory business practices by COMENITY - New York & Co. credit card services. I paid off my credit card in full on XX/XX/XXXX, in the amount of {$500.00}. 

Then I received another bill in the mail stating that I owed {$6.00} even though the account was paid off, which was confirmed over the phone. According to them, I was paying late fees. I then pay that bill and an additional charge of {$9.00} over the phone on XX/XX/XXXX. On that same phone call, I tell them to close the account. On XX/XX/XXXX, I got a bill for {$16.00}. I called them to dispute it, and according to them, the {$16.00} is another late fee because my last payment was late. 

On XX/XX/XXXX, they stated that they had removed all the charges, and my bill was paid in full. Today, on XX/XX/XXXX, they stated that I owed {$190.00}. 

There is clearly no way to pay off this card in full. COMENITY - NEW YORK & CO. are predatory in their practices. They do this because they know people will continue to pay in fear of non-payment affecting their credit scores. 

The information that I have on this company is the following : The address for return payments is XXXX XXXX XXXX XXXX, TX XXXX. 
The website for this credit card is nyandcompanycard.com. The company that the card is aligned with is COMENITY. The phone number that I have for this credit card company is XXXX. 

Please let me know what can be done to stop their predatory practices. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Every month there is an additional amount added to the purchases without an explanation. Usually over {$1000.00}. This month it is {$1300.00} plus. 
Last month I paid twice, close to {$3000.00} total. 
I wrote for an explanation and didnt receive an answer to my question. 
I pay the charge in full each month. I feel that they arent making any money on me with the interest charge so they are adding amounts to be paid. Usury, I feel. 
When asked to explain they told me that the card is an international master card, which I already know. They didnt address the question. They are double billing I feel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal has place a limitation on my account. 
Id. de referencia : XXXX XXXX I have a personal account and i don't understand why this happened if i don't have any problems with my account.. 

the payment that i received come from people that i know. 

I will like get help with this situation. 

I do not see any risk with received payment for services now my money is hold and i cant wait XXXX just because they made arbitration decision. 

Please need help on paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: WV

Complaint narrative:
On XXXX credit report, there is an address listed that I never had : XXXX XXXX XXXX XXXX  wv XXXX. Also, there is a hard inquiry from XXXX that I never made. There are numerous soft inquiries that I am not making. 
On XXXX credit report, there are XXXX  hard inquiries that I have not made : XXXX XXXX & XXXX XXXX CARD. There are also multiple repeated closed accounts of XXXX XXXX, which is the same account as my active US DEPT OF ED/XXXX 
On Equifax credit report, there are multiple repeated closed accounts of XXXX XXXX which is the same account as my active US DEPT OF EDXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage offered the XXXX relief program just like every other lender in the XXXX. Based on the fact that I lost hours with my part-time job I took advantage of this program. After the XXXX moths I was prepared to begin the process of making payments again. Initially I was asked for a list of documents, from a person that I talked to on the phone. I got those documents and sent them to the XXXX, a couple weeks later I got a letter that stated " more documents are needed '' and nothing more. I called again and they said they would send a letter with more updated information on it. On the follow-up letter it said that they needed paystubs and bank statements, I also verified verbally that this would not affect my credit and was told that since I am in loss mitigation status again, there would be no negative impact on my credit. I sent over the pay stubs and bank statements for my main institution, along with a statement as to why I took advantage of the XXXX  relief program. A few weeks later I got another letter asking for Proof of XXXX ( Award Letter ), XXXX XXXX XXXX Return ( All Pages ), 2 Month Bank XXXX ( all pages ), Financial Worksheet, XXXX, Proof of Additional Income. I attempted to call them on XXXX different occasions with the wait time lasting over an hour, and no time to wait for that. On the back side of the letter it states, " Please be on the lookout for a call from us. We'll follow up on this documentation request and answer any questions you XXXX have. '' This statement led me to believe I did not need to wait on hold and someone would call to help me. On XXXX XXXX, I got a notice saying I was 180 days past due onmy credit report and my home was being processed in foreclosure. I called in and explained and was repeatedly told this was my responsibility and I needed to call them. Also, that even though they told me I didnt need to pay I should have and this falls on me.

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 2022-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Keep getting letters and calls from collection agencies saying I owe money that I never knew I had since my identity was stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mountain Run Solutions, LLC
State: WA

Complaint narrative:
Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX  years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex asserts no impact to personal XXXX XXXX when running XXXXXXXX XXXX XXXX  credit card application. 
My personal XXXX XXXX was impacted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Comerica
State: CA

Complaint narrative:
I received in the mail within the XXXX weeks a XXXX XXXX from Comerica Bank. I called the customer service line on Monday, XX/XX/22 letting them know I had received a debit XXXX from them but did not have an account with Comerica. 

They said they would look into it and reply back. 

On Tuesday, XX/XX/22 a representative from the fraud division of Comerica Bank called me back. He checked my address, social security number, drivers license, and birthdate. 

The following facts were found : XXXX. My address was not correct. The debit card mailed to me had : XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, XXXX. My correct address is : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX. 

XXXX. My social security number had been hacked. The numbers I gave were not what was on file. 

XXXX. My birthdate did not match what was on file. 

XXXX. There was no fraudulent activity on my Ca. Drivers License. 


They have since closed the account of which I never opened and blocked any further activity related under my identity. The Comerica Representative from the credit card fraud unit recommended I go to FTC.gov which brought me to the Consumer Financial Protection Bureau. He also recommended my to contact my bank and let them know I was a victim of fraudulent activity. I should request the bank to protect my assets I have with them in case of this type of activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Jetblue with Barclays has a promotion going on offering XXXX trueblue airline points with Jetblue. The offer is on Jetblues website as well as Barclays.. everywhere says XXXX points for getting the jetblue plus card, and paying the {$99.00} annual fee and spending {$1000.00} within the first XXXX days. I applied on XXXX XX/XX/2022 through the link at jetblue which states XXXX points, and within the month I spent over the {$1000.00} limit and paid the fee. I only received XXXX points by the end of the billing cycle. I called barclays, which is answered by an automatic machine which says anything related to trublue points, to contact jetblue. I clntacted jetblue today XXXX XX/XX/2022 through chat and they stated i need to contact barclays as they would know what promotion offer i applied for. I dont know why would there be another promotion offer as All i saw in both websites jetblue and barclays were the XXXX points. If they had me under another promotion, then means they are luring customers in by advertising in a way and then applying different offers that were not clearly advertised, creating confusion and scaming people. I searched for information online and seems other people have fallen victims of this 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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
After, receiving an pre-approval invitation from XXXX to apply for a Capital One business Credit Card. On XX/XX/2022 I initiated a consumer credit transaction with my SSN, and business Tax I.D . number also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a business credit card account on Capital One. They claim this was a very easy process and that my business XXXX XXXX XXXX XXXX  was already pre-approved. I filled out the form online, and provided every document required. I was denied a new business credit card, due to reasons not provided nor I never received. I sent a certified letter to the company that was signed and has a return date of XX/XX/2022 with my request that the department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes their organization civilly liable for non-compliance pursuant XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and have not received any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 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 2022-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
Flag star bank recently received my Mortgage account from XXXX XXXX. They did an escrow analysis then raised my mortgage payment from {$3500.00} to {$3700.00} saying theres a {$170.00} mortgage shortage according to what the Maryland says it would cost to rebuild my home. I was not satisfied with their explanation. $ XXXX on my mortgage creates a serious hardship and seems excessive especially since theres plenty of monies in escrow to handle everything. I have talked to my Homeowners insurance company and the Maryland XXXX XXXX XXXX and they also feel that the increase is excessive.

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 2022-11-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been reaching out to XXXX XXXX for almost the last XXXX years about this loan and I'm still getting the run around with no clear cut answers on why there is still a loan balance on my credit report. The loan was paid in full by my insurance and the remainder by my gap insurance. I recently got in contact with someone from American heritage about the loan and was told that I would be reached back out to. The only thing that occurred was a {$780.00} decrees in the balance ( {$2400.00} ) to ( {$1600.00} ), still with no proper communication as to why there was a balance ever to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I think this is a phishing email. I do have an account with XXXX. It is current and payment was neither for this amount nor made through PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX asserts no impact to personal credit score when running XXXX small business credit card application. 
My personal credit score was impacted 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 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 30days

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