vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
CAPITAL ONE BANK IS REFUSING TO INCREASE MY CREDIT LIMIT AND HAS ALLOW A FRAUDULENT TRANSACTION TO PROCESS OF MY CREDIT LIMIT AFTER MULTIPLE DECLINE NOTICED REGARDING THE CREDIT LIMIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: U.S. BANCORP
State: CA

Complaint narrative:
US bank send me an offer for a credit card and I was suppose to get {$500.00} bonus cash if I spend {$4000.00} in first 90 days of the account opening. I completed this process and didn't get my bonus for {$500.00}. I called the customer service and on the recorded line the customer service representative Confirmedthat I spent over {$4000.00} in the first 90 days and not sure why I didn't get the {$500.00} bonus. She initiated the investigation, after few days I received the letter which stated that I didn't met the requirements. Per my US bank statements, I spend over {$4000.00} in the first 90 days as required. I feel this is misleading and fraud and I should be entitled to the {$500.00} as promised by this bank. Please investigate. Thank You.

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 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio recovery Associates was challenged on the validation of a Unverifiable debt. Portfolio recovery and associates account # ( XXXX ). In XXXX of 2019 I sent the company a validation letter, asking the company to validate the debt they claim I owe, In the letter I as the company to validate the following information ; : I asked portfolio recovery and Associates to provide me with a description how's the money they say I owe ; : Provide a description of a full calculation of the debt they say I owe ; ( please see attachment for further details ) the company responded with a statement from the original creditor. According to the law statements are not clear validation or proof of ownership. 

: Provide a description of who the original creditor was, and to provide proof of last payment made ; the company has not provided or validated this information. A violation of FDCPA sec 809 : To provide me with original documents and copies of consumer contracts showing proof that agree to pay what the company claims I owe ; the company has not provided or validated this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I was surprised by what I saw when reviewing my credit report, I saw a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe my payment to you were made on time like they have always been. My only thought that I never received a bill from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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:
I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

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 2020-01-30 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:
I sent a letter to the credit bureau to investigate my credit report where there is one account showing which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.

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 2020-01-30 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: CA

Complaint narrative:
I WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY 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 2020-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I was never notified that my loan went out of deferment which is now showing as late payments on my credit report. I am trying to buy a home for my family and these are standing in my way! I never received a phone call about it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: DISCOVER BANK
State: NC

Complaint narrative:
Gentlemen, My name is XXXX XXXX. I settled my account ( Discover Credit Card ) with a Debt Collector. Discover chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with Discover and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Advanced Portfolio Group LLC
State: IA

Complaint narrative:
This company keeps calling and hanging up. When I called back I asked the guy for verification and he told me no. He was threatening me and I can't get the information for verification. I don't know what this debt is and he keeps saying '' I traced your IP ADDRESS. ". This is harassment. I finally told him to take me to court, because I'm unemployed. We can get this figured out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: KS

Complaint narrative:
the title loan company is harassing me at work calling my work all time of the day 5 to 6 times a day my cell phone 5 or 6 times a day. I have ask them not to call my job 3 times and the calls continue they told my coworkers who they were and so all my coworkers know my personal info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: AR

Complaint narrative:
I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$300.00}

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 2020-01-30 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: AR

Complaint narrative:
I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$300.00}

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 2020-01-30 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
To make a long sob story short, I borrowed from Paypal credit. The way the balance was presented to me in such a way that led me to believe this was money sitting in my Paypal account already that I had not transferred to my bank yet, like other money sharing services. The following are the amounts I unknowingly borrowed : XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$91.00} XXXX - {$50.00} XXXX - {$80.00} Now I have credit reporting, and reporting poorly, because I had credit that I didn't realize I took out, I'm sure an inquiry was made on my credit, and I didn't know these payments weren't getting paid because I didn't know I borrowed the money in the first place.

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 2020-01-30 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: NC

Complaint narrative:
Gentlemen, My name is XXXX XXXX. I settled my account ( XXXX Credit Card ) with a Debt Collector. XXXX chooses not to report the proper information to the Credit Bureaus. I have noticed they are basically doing this and hurting the consumer. They basically are saying on the credit report it was basically charged off Debt and it shows that and when companies run credit this shows as a charge off so they are assuming the balance was not paid? I went back and fourth with XXXX and got nowhere!! They basically didnt care!!! They basically are labeling me because my account was in collections!! I think is wrong they are labeling people who do go thru circumstances and do not basically give credit that a consumer settles the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collectibles Management Resources
State: CA

Complaint narrative:
I was recently denied an auto loan due to a debt collection from Collectibles Management Resources appearing on my credit bureaus. Apparently the debt was placed on my credit bureaus in XXXX and I never received any written correspondence. The collection company violated the FDCPA by not providing a validation notice, not providing me an explanation of the debt, and not allowing me to dispute the debt. I requested information, and Collectibles Management Resources sent the attached letter dated XX/XX/XXXX that does not follow FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019, we ( XXXX  XXXX XXXX ) received a check from our customer and made a deposit onto our bank ( BB & T ) account with the correct checking account number on the endorsement at a Washington DC BB & T branch ( Mailcode : XXXX - Address : XXXX XXXX  XXXX XXXX XXXX, Washington, DC XXXX ). 

After the annual reconciliation, we found out that the check we deposited was not properly credited onto our BB & T Checking account. So we contacted our customer to send us a copy of the cancelled check, which later we received. With the image of cancelled check, we checked our BB & T Washington DC branch, the same branch where we made the deposit. However, Ms. XXXX XXXX XXXX ( Branch Banker Team Leader II ) said, because they destroyed the original deposited check after 45 days, they couldn't not help us. 

Since it's due to their error ( possibly credit to a different account ) and it's all digital, we don't understand why our BB & T couldn't further investigate and made a corrective actions.

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 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Quicken Loans is using inaccurate information to compute my escrow payments. The XXXX payment for property tax on my home was {$3800.00}, paid by Quicken Loans from the escrow account in XX/XX/XXXX. 

An escrow account analysis performed in XX/XX/XXXX claimed the XXXX property tax payment estimate to be {$8700.00}, more than double the XXXX property tax. 

I spoke with the person in the XXXX XXXX County Treasurer 's office about the estimate for property tax being used by Quicken Loans and he stated that my property tax would not increase anything like the amount Quicken Loans is using in the escrow analysis and that the XXXX taxes could increase 1-1/2 to 2 percent. 

I spoke with a person at Quicken Loans about the escrow analysis and she stated that the projected XXXX property tax information came from the XXXX XXXX County Treasurer. The person I spoke with said it is unlikely that his office provided the estimate to Quicken Loans. 

On XX/XX/XXXX, I wrote a Qualified Written Request and Notice of Error to Quicken Loans at the address they provide for disputes or errors. I identified the error in the escrow account analysis, requested they change the analysis, and also requested they provide the source of the information being used for the XXXX property tax estimate ( Request for Information ). 

I failed to receive an acknowledgement of my letter and still have not received a response to my letter from Quicken Loans. 

I am continuing to make payments in accordance with the faulty escrow account analysis results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: FL

Complaint narrative:
I am a victim of fraud and the amount is over {$500.00}. 
I have repeatedly tried to resolve this issue with Direct Express and am getting nowhere. They're giving me the run around and have lied about having the wrong address for my dispute form, claiming they've sent it but I've only received my bank statements so how is the address wrong when mail has been received? 
They asked me to take photos of the disputed transactions and send them via email which i did and was denied and won't btell me why. 
I'm a XXXX veteran with health problems to include XXXX. I was in a XXXX  XXXX  for veterans for 3 months and am now getting put in the hospital for a week for 24 hours a day tests on my XXXX  XXXX. 
I am tired of the nonsense from Direct Express so I've had to change banks starting in XXXX. I can not XXXX because of XXXX and had to go to XXXX   XXXX  to eat because my money was stolen. 
I can only imagine how many XXXX Vets they take advantage of. 
They are liars and use stall tactics in the hopes that Vets like me will give up. 
Unethical. Immoral. Disgusting. 
They have all my data and keep stalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a phone call from phone number ( XXXX ) XXXX, on behalf of JC Penny, they said they were attempting to collect a past due debt, that for which I have already paid for and have and provided documentation for. They threatened me to take me to court. They keep no calling me every every year.

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 2020-01-30 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:
I have been a victim of identity theft. I've been receiving bills in the mail for a couple of years now and just never payed much attention to them. My credit report recently got pulled and I wish I would of found out sooner of the outrageous amount of accounts that have been open under my social security number. Please remove all these accounts from my report. 

XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$420.00} XXXX XXXX  XXXX {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Gentlemen, I had an account with XXXX ( XXXX XXXX  ) it went to Collections. XXXX XXXX XXXX, XXXX was assigned the account. I settled and paid this account XX/XX/2019. Since then A debt collector named Resurgent Capital Services claim I owe this account thru them. They claim the account numbers do not match. I contacted XXXX XXXX  directly and they stated this account was sent to XXXX XXXX XXXX, XXXX. I have contacted Resurgent Capital Services and they refuse to accept this. I also confirmed with XXXX XXXX they I only had 1 XXXX Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Solutions
State: NE

Complaint narrative:
Credit Seaseme showed I had an amount in collections with that I do not believe I owed. The debt was previously with XXXX. I called credit solutions and asked for a verification letter on XX/XX/2020. XXXX from credit solutions stated they already sent one, but it was an old address. They should not have had that address since I updated it with XXXX and all communication should have gone to the new address. I asked for a new one, the woman said she could not send me another letter. I stated that was illegal, and she said that the software used to send letters was down so she wasn't sure how long it would take to be sent one. I asked if it would continue reporting past due in the meantime, she suggested I talk to her supervisor. I was sent to the supervisor voicemail and have not heard anything back. They never asked for my updated address so I do not know how they will send me the debt verification.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX- I took the forbearance option because the payments that Sallie Mae demanded got out of control XX/XX/XXXX- they did a financial check of me and my co-signer. It was determined that we did not make enough money to keep a roof over our heads and be able to pay what they were requesting. We told them how much we could afford, but they still refused to go down and only went to {$800.00}, which we determined there was no way we could afford. 

XX/XX/XXXX-XX/XX/XXXX- tried writing letters dm requesting written communication to figure out payment plans. They would not respond and they still will not work with me. Now I am at risk of default because they are refusing to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C.Systems Inc has a debt for XXXX dollars that XXXX XXXX has for XXXX dollars that XXXX has for XXXX dollars all 3 company 's are trying to collect this debt none respond to validate debt yet the dispute I have filed was not completed all remain on credit reports.

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