vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 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: MI

Complaint narrative:
Yesterday XX/XX/XXXX I called Capital One to inform them of hardship due to covid19 and they said they would make my monthly payment XXXX  and extend my payment date. Instead they suspended my card and did not extend my payment date. I called the same day around XXXX and talked to a supervisor who refused help me until I threatened to make a formal complaint. She then placed me on a 5-minute hold and returned to the call and said she apologizes and that she found out that the previous representative did not put in the hardship and that she was making my monthly payment to XXXX and extending my payment date. She told me that my car would become active and that it should be active almost immediately. An hour later I check my online account and my car was still not active and my payment wands still not set to XXXX. I decided to wait until the next day to check it. On the XXXX of XXXX the card was still not active and my payment amount still was not set to XXXX for the month nor any extension applied. I called in and the rep refused to help me as I told her that I was recording the line per MI 750.539c wiretapping law. She said she could not continue on a recorded line and so I asked her to suspend her recorded line. She stated that she could not and after checking with her supervisor hung up on me. I told her prior to that that I would drive to Indiana ( 13 miles south ) and record her without her consent as Indiana is not a two party consent state.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, 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 2020-04-09 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:
Experian and XXXX  Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these stupid thing happening again XXXX has allowed numerous inquiries on it. 
please can someone do something about this XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal  ( XXXX ) XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX + Utilities and Fuel  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal  ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : 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 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The bank closed my account for no reason and never notified me I went to get grocery and my card declined ... every day I call its a new excuse they say we closed your account today theyve said this every day for 2 weeks and keep in mind I still wasnt sent a letter or email about the closing of my account I found out by going to the bank

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 2020-04-09 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: FL

Complaint narrative:
It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, 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 2020-04-09 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: FL

Complaint narrative:
It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I've had my XXXX XXXX for 10 years and worked my way up to a XXXX credit limit during most of that time. The balance and usage fluctuated all the time when it more recently went up to XXXX. The fees are way high so paid off XXXX by way of balance transfer with another card in XX/XX/2020. Then days later my credit limit with Chase is lowered to XXXX. It really effected my credit score. I've tried 3x to fix this with Chase but they refuse to reinstate it when this was purposefully a way to penalize me. A so called " supervisor '' called me back and when he heard some swear words ( that I was referring to the action taken not at him ) he makes up a lie saying I cursed at him and he hung up on me. They came up with bogus reasons and delinquencies that were never there. I was a few days late here and there in my 10 year history but never delinquent or reported that way to the bureaus. They are standing firm in only running my credit again and penalizing me some more to see if I'm worthy of the same limit but they just lowered it so I'll take a hit twice. I'm baffled and disappointed that they even have these things in place and are doubling down on such a deceptive practice. With the current pandemic going on I really need all my balances available to me should the unforeseen happen and this is when they decide to stick it to a long standing customer? It's absolutely terrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-09 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: WI

Complaint narrative:
Ive sent identity theft affidavit to all 3 bureaus XXXX  XXXX  Experian and dispute letters and police reports stating account is not mines. XXXX  and XXXX  has deleted but Experian ignoring.

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 2020-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PR

Complaint narrative:
It is known that there is a PANDEMIC and that the US Government passed at least two laws regarding the pandemic and offering assistance due to what is happening. Besides this the student loan company proceeded debiting my account that did not hace funds available and was charged a fee due to that. 

Also I timely requested forbearance of this student loan and all though the forbearance was filed via email AND uploaded to the companies website, they continued to debit my account against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
I just revived a notice about a debt and I asked if I could question the debt and was told no you have to pay it. I dont believe this is a real debt and they just keep saying its from XXXX apartments but I have received nothing from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX  XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I have increased expenses from the COVID pandemic and wanted to apply for a temporary mortgage deferment as allowed after passage of the CARES Act. Quicken Loans is my servicer but XXXX XXXX owns my mortgage. Quicken 's website asked a series of questions then told me I am approved for a 3 month forbearance, however I would need to make a huge lump sum payment after the 3 months or go into foreclosure. Here is the language of their proposed mortgage forbearance : " At the end of your plan, youll have the option to extend your forbearance. This may be right for you if you need more time before resuming payments. 

If you extend your forbearance, youll still need to bring your loan current when your plan ends. That means making all the payments that were paused during forbearance, plus any payments that were past-due before your plan began, if applicable. An extended forbearance means a larger amount youll need to bring current at the end of the plan. '' I believe this is not in line with the CARES Act and do not want to agree to a lump sum payment when there are other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX  XXXX {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: UT

Complaint narrative:
On XX/XX/2020 I completed an XXXX XXXX XXXX  application for the XXXX XXXX XXXX XXXX XXXX through Barclays Bank Delaware. The application that I signed indicated in writing that the {$100.00} annual fee would be waived for the first year. 

After I was approved for the credit card and was checking my balance, I noticed that my account had been charged a {$99.00} annual fee on XX/XX/2020. 

I have called the credit card company twice and they refuse to honor the agreement to waive the annual fee for the first year, because I don't have a copy of the credit card application.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
According to a XXXX statement, Chase credit card is charging me an interest of {$40.00} based on XXXX balance of {$9600.00} saying on the statement that it was due to new purchases {$3100.00} ( 16 % APR ) and a balance transfer promotion balance {$7500.00} ( 0 % APR till XX/XX/2021 ). However, I paid off more than my sum of purchases for that bill cycle and those two balance numbers added together equal much more than my XXXX balance {$9600.00} or my XXXX balance {$8700.00}. It doesn't make sense. 

I contacted their messaging center a few times and received bogus AI responses. Then a person or two responded but they never answered my questions. If that isn't enough when I finally called, all they say is that any payment goes towards the lower APR first, which doesn't make any sense considering the math on their statements. Nobody is doing any calculations over there or explaining anything using basic math and correct logic. It's disheartening. 

Overall, there are two things happening that are wrong : 1 ) they are not counting any returns to go to purchases and automatically deducting it from the balance transfer balance ( 0 % APR ) and 2 ) they are charging me for a total balance that I don't have. 

So all they tell me on the phone and in messages that I have to pay off my balance transfer promotion before I can pay off the purchases, even when I have returned purchases ( XXXX + cancelled flights ) credited to balance transfers balance instead of to purchase balance. I've never seen a credit card company do this. Disclosures or no disclosures. It's totally corrupt and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: AR

Complaint narrative:
XXXX  XXXX  sent me an email that it looked like my personal data had been compromised. I reviewed everything and there was several unknown inquiries and accounts that I am reporting are definitely not mine. Please remove these items from my report. 

XXXX  XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX  XXXX XXXX  XXXX  XXXX {$600.00} DEPT OF ED/XXXX   XXXX {$69000.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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:
XXXX  and XXXX  Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these XXXX  thing happening again transunion has allowed numerous inquiries on it. 
please can someone do something about this XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX   XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX   XXXX  Inquiry : 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 2020-04-09 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:
XXXX and Equifax Constantly allow XXXX to add fraudulent acts to my credit. countless times it had to be remove be they allow the company to constantly and illegally add it back on by changing info slightly to the act. 
This is getting XXXX ridiculous now I have no protection and everytime i decide to take my alerts off I get these XXXX  thing happening again XXXX  has allowed numerous inquiries on it. 
please can someone do something about this XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX  XXXX  XXXX Inquiry : XXXX XXXX, XXXX + + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX  XXXX   XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX   Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX  XXXX   Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX

Company response to consumer: Closed with explanation