vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 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: Grant Mercantile Agency
State: CA

Complaint narrative:
Grant Mercantile Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX  XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
OnXX/XX/2018 with experian, I have receive my Dispute results regarding 10 addresses that's incomplete or inaccurate on my credit report that was still not corrected. Also I was needing to remove additional discrepancies on my report as well. I've been trying to reach a customer service rep to address the issues by calling the different numbers they have on XXXX and got nowhere. Trying to speak with someone is impossible with experian and difficult.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collections Acquisition Company, Inc.
State: NY

Complaint narrative:
I had a Dispute with XXXX XXXX XXXX and the owner is named Ms. XXXX XXXX. I removed my child from the Program. 

However, Ms. XXXX XXXX claimed that I still owed her for the upcoming month that my child would not be in attendance. 

I filed action against her in the Civil Court of New York , County of XXXX and won a " Notice of Judgement '' Index # XXXX in the amount of {$330.00}. She was also notified of this judgement by the courts. 

However, she sent a false amount that I owe her to a crooked collection agency named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX  http : XXXX  Email this Business ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: DE

Complaint narrative:
I was told I had 3 repayment options. One option was payment of {$190.00}, the second was a 3 payment payback and the last was payments of {$140.00} and some change. I selected the last option, of {$140.00} and some change. The company took payment for {$190.00}. I emailed multiple times, the company claims to have only received one email at a date " too late to correct anything. '' When the company finally had someone call me ( because you can never get through trying to call them ) that rep stated she would have the recorded call pulled and call me back. When she called back she tried to say " the rep gave you misinformation. '' That is not MY problem! I initiated a loan based on the information that rep provided and actually stated multiple times through that call that if the payment amount was {$190.00} I would be passing on the loan as I couldn't afford that amount. Now the representative is passing me around between departments, placing me on long holds in between each pass, clearly hoping I'm just going to hang up and drop the issue. The information that was provided to me is recorded! Their representative is recorded telling me that I would be able to pay {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a regular VISA credit card with Capital One. I was traveling in XXXX in XXXX and used my CO card for a cash advance from a XXXX XXXX. My statement for that period of time reflected the cash advance plus a {$10.00} fee plus an interest charge. There was NOTHING on that statement to indicate that there would be further interest charges. It was only today, after 2 more statements with interest charges, that I took the time ( over an hour ) to call and speak to 2 people at CO about why this is : that the interest fee payment is not applied until they, receive the payment and by that time more interest has accrued. 
In my case, the interest was minimal, but I can imagine that other individuals might get a cash advance for a much larger amount which could accrue substantial interest over many months. 
I have an excellent credit history. For about 40 years, I have been paying the full amount indicated on my statement every month in order to avoid finance charges. There was NOTHING on the statement from Capital One to indicate that the amount due was actually NOT the full amount and that future interest would be accruing. Without that information, people, like me, can not avoid these penalties. 
I hope that the CFPB can address this issue, as it is nothing more than a scam allowing the bank to assess hidden interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX  who is owned by XXXX XXXX XXXX XXXX, XXXX contacted me by text message on my cell phone after I asked them not to communicate that way. This is a violation of TCPA and FDCPA. I have asked XXXX XXXX XXXX to communicate with my authorized Representative, but have not gotten a response, which is why XXXX XXXX XXXX XXXX needs to now handle this. Please contact XXXX XXXX regarding this matter XXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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 — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXX is selling access to information I did not opt into, nor authorize. Its providing scores on data I can not see and it does not have a reasonable way to download a copy of what they are reporting on me to other companies. Because I do not know what's in this file they are reporting to vendors, I can not dispute what is in it and I have been financially harmed. I can not get my legally required free annual report from the website the government help setup. HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
I have a personal loan with Avant, LLC. 

I initially borrowed approximately {$3400.00}. 
See below. 
{$3600.00} LOAN ID # XXXX Initially I agreed to an auto debit via checking account. 
On or about XX/XX/2018 I was alerted by my bank that Avant attempted a double debit for the same amount twice. In all honesty I believed it was a mistake, so the bank declined the transaction. I was not aware of this at the time it happened. When I did become aware I contacted them and did a payment, I believe over the phone, not realizing that they do not credit you on the day you actually make the payment ( which was a Friday ) but the next business day. 
Which to my recollection was a holiday, so it had to wait until the following Tuesday. 

At that point they contend that I have now generated a late fee of {$25.00} On XX/XX/2018 I requested a complete payoff of this loan being that I am paying XXXX a month in interest. I was quoted XXXX Good through XX/XX/2018. On XX/XX/2018 Avant received a total of XXXX. 

I did not pay the XXXX because that was in dispute and customer service said that were going to ask for a waiver. Initially the waiver was denied as it was requested incorrectly by the cust rep, but later it was granted. Now Avant want an additional XXXX which I object too, had they not mishandled things this would not of occurred. 

I am requesting assistance on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I notified XXXX XXXX XXXX : regular tod that my Father has passed away so I contacted them to close the account and send me the check since I am the sole beneficiary to this account, I was told by XXXX XXXX XXXX that I would have to send them the death certificate a long with notarized statement claiming that I am his Daughter and that I am the sole beneficiary to this account, so I did and I also requested that once the death certificate was scanned to return it to me, that was on XX/XX/XXXX so when I called again to check on the returning of the certificate on XX/XX/2018 they told me they sent it back so when I asked what address did they send it to it  was an address that I am not familiar with, so I stated I wanted to speak to a supervisor and I wanted to know how is it possible with all of the hurdles that they having me to jump thru to close this account, that a Major Bank can send my Fathers and my personal confidential information to someone that is not associated with me at all. They have violated not only my privacy as well as my Father so explain to me how you plan on correct this violation of privacy act, and I want to be compensated for any occurrences that have happen and in the future, with the threats and hacking my private information has been sent to a stranger and who's to say what could happen because of it, I also want to be reimbursed for the lost certificate I have to pay XXXX for each one I have to order.

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 monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This event took place starting on XX/XX/XXXX, just days before XXXX. I took a broken item back to XXXX for a refund, which they granted without any argument. The money was immediately put back into my Amex Bluebird account. 

But NOW Bluebird is withholding the money from me. I am not a wealthy man. I can't feed my XXXX-year-old and XXXX XXXX XXXXyear-olds now ( not to mention myself and my wife ) until either the next time I get paid or Bluebird lifts this hold off of MY money. 

When I attempted to call customer service to remedy this problem, I was escalated to management 4 times. Their customer service phone system is essentially non-functioning. I was disconnected every time. I spent over three hours attempting to have a full phone call with them. ( And this isn't the first, second, or even 50th time I've had this problem with their phone line. ) At one point, a service manager on the other end sounded like he was going to do something to help, but of course I was disconnected before anything could happen. 

The amount in question is {$140.00}. And while that may not  sound like much to some people, it means food or no food in my home. XXXX  refunded this money to me, not to American Express Bluebird. This hold is irrational and unreasonable. I know that there are ways that a bank can bypass their hold policies, but the company refuses to work with me. I have nobody, or nor way to borrow the money from anyone until the 7-14 day waiting period on the hold is over. 

The main reason I use this card is because they reportedly give you access to direct deposits up to two days early, as soon as the deposit is authorized. They don't even do THAT anymore. And I happen to know that my weekly, Friday paycheck is authorized every Wednesday afternoon, like clockwork. They used to give me access to the funds on Thursday morning. Not anymore. Not for many months now. They're falsely pushing a fake account benefit in order to sucker more people into signing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: DebtHelp, Inc
State: MI

Complaint narrative:
I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. XXXX Finished months ago. 

Debt relief and now with XXXX XXXX, say I pay until XX/XX/2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2018 Capital One Loan Auto XXXX Service financed XX/XX/2018 XXXX   XXXX XXXX Vin # XXXX therewith XXXX XXXX  took delivery.

On XX/XX/2018 Mrs. XXXX  experienced a series of electrical matters and sought to return the vehicle for an exchange. Mrs. XXXX over her objection allowed the service department to make an attempt to repair the damage. The said repair failed and Mrs. XXXX sought an exchange of vehicle and or rescind the loan and met with strong resistance that still remains thereof by the parties ( XXXX XXXX & several employees from Capital One ) involved with said transaction both abinitio and post thus far, and was told the loan had been funded

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
FREEDOM MORTGAGE DEFRAUD US WITH OUR  CLOSING COST TO OUR MORTGAGE PAYMENT. {$320.00}, XXXX. IT SHOULD BEEN {$320.00}, XXXX AS WE ARE SELLING OUR HOUSE. TOTAL FRAUDULENT SCHEMES PLACE UPON INFORMATION PROVIDED TO THE MORTGAGE LENDER ARE DECEIPTFUL DISHONEST. LITERALLY DONE DEEMED BIAS, AS USUAL. PROBABLY BECAUSE OF MY LAST NAME SPELLS OUT XXXX FORMAT. OR, JUST CAN'T GET AWAY WITH THEIR EXPEREINCES OF FRAUDULENT EXPERTISE. 

I NEVER MISS A PAYMENT, NOR WE LATE IN ANYWAY SHAPE OR FORM. DISHONEST PRACTICES IS LEADING OUR COUNTRY SINCE OBAMA WAS IN OFFICE FOR 8 PLUS YEARS. ROCKET OF CORRUPTIONS COLLUSION DECEPTIVE GROWING OUT OF STYLE IN OUR CONTRY INVOLVING FINANCIAL ACTIVITY. FREEDOM MORTGAGE ADDING UNNECESSARY CHARGES TO OUR LOAN BALANCE JUST TO TARGET US FINANCIALLY. OF  COURSE. AS USUAL. STRICT SCRUTINY MUST CONDUCT IN ORDER FOR THE LIGHT OF JUSTICE TO PREVAIL ON EVILDOER EXPERT. LIKEWISE TO OBAMA & XXXX AND ALL THE REST TRYING TO BETRAY OUR COUNTRY FIANCIALLY, ETC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The trouble with EXPERIAN is that I have been trying multiple times for over one year to have certain things removed off my credit report and might I add I am seemingly having problems in my physical life with things going on from the location this company is from, meaning their state of TEXAS. I have asked numerous times for them to update my address to the current address is now and to please please please remove the old addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV   XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I am sick and tired of seeing these addresses especially since I have had the utmost problems with these two addresses when I lived there. Such as ppl coming into my home unauthorized, stealing my personal documents, using my clothing, destroying my clothing, using my home as if they pay rent there when I'm gone and so forth on. Now they want me to mail not upload my information to them but mail my personal documents to them, like ssn, ut. bill and copy of my current id. They refused my upload, which would be safer. Then they refused my online dispute with XXXX XXXX, this company is on my BKXXXX discharged XX/XX/XXXX, why are they still viewed after multiple request to remove off my credit report. XXXX XXXX is another one on BKXXXX doing the same things, look there information up and they are located in TEXAS. What is the deal with TEXAS on me. Another one, XXXX XXXX/XXXX saying I owe them over {$300.00} off a promotional device for {$100.00} and where they located in, TEXAS. XXXX XXXX XXXX XXXX XXXX, I wish this weekly who is right across the street from my old refuse to leave my credit report address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address, saying I owe them {$160.00} on a pre-paid rental I already paid for, I admit my ck was a day or two late but not a weeks worth. I have been trying to remove these ppl for over a year and not to mention when I did try to remove them I was somehow removed out of my prior address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address after 1yr and 1/2 almost  when I was cleaning my credit only to be bounced out into a XXXX awful motel for two weeks into my current address who is constantly turning my power off/on, water off/on and ac/heat off/on multiple times since I've been there XX/XX/XXXX. I use energy asst and guess what they did, took it and put it on the XXXX XXXX address while I am in the XXXX address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI

Complaint narrative:
I paid my {$5000.00} debt relief. They have 3 companies involved. At the same time I hired debt relief, I hired XXXX. I'M Finished months ago. 

Debt relief and now with Global Solutions, say I pay until 2025, insane, fraudulent. 
I've called them, they yelled and Argued with me. Companies are not supposed to do that! 

I have paid {$200.00} a month for almost 2 yrs. What are they doing with my money. I'm done

Company response to consumer: Closed with explanation