vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Cbna/Sears I have never had an account with them note have I ever shopped in/from Sears in-store or via internet this has to be a mistake

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 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

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 2019-03-08 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: FL

Complaint narrative:
No contract with portfolio recovery collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: CA

Complaint narrative:
On XXXX XXXX I contacted Capital One Credit Card and spoke with two Reps XXXX Supervisor XXXX With Badge Id # XXXX and XXXX with Id Badge # XXXX and requested why I was Denied on my Visa Credit Card of XX/XX/XXXX and they can not give me a clear explanation on Denial. 
On my Capital One Card ending # XXXX I was given a {$250.00} credit increase on XXXX in which is vey Discriminating and Retaliating against me as a XXXX XXXX XXXX and Military Veteran. 
I have a credit scores of XXXX and paying over the minimum of {$25.00} a month and always on time since XX/XX/XXXX till Present. I pay timely schedule payments from $ 100- {$150.00} and {$200.00} each month to keep my balance and credit card utilization in prosperity. 

On XXXX XXXX I respectfully requested a Manual Credit Limit over 750 and both Supervisors stated that credit increase can only be done with their automated system. 
So on XXXX XXXX i provide it all my financial and information to Capital One Credit Card Mastercard with account ending # XXXX and I was denied and Declined. 

Capital One is Discriminating and Retaliating against me because I am XXXX XXXX and XXXX and a XXXX XXXX XXXX Military Veteran. 
Also, Capital One is Retaliating against me because I have been filing many Federal Governments Complaints against Capital One Administration. 
By the way, Capital One pre-recorded my conversation with reps on XXXX XXXX and Reps didn't tell me that my conversation was been recorded until I ask them if my conversations with Capital One Reps was been recorded and the last Capital One Rep Ms.XXXX with Badge Id # XXXX told me " Yes. '' On XXXX XXXX I made the call to Capital One from my cell XXXX XXXX XXXX cell phone.around XXXX California XXXX. I called Capital One number XXXX My XXXX and XXXX   Retirement Pension Income is at {$4500.00} a month with a 3 % COLA increas every year on XX/XX/XXXX.and my XXXX XXXX Income never decreases. 
Plus I have very low debts under {$20000.00} and I am very Financially Stabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent an investigation request to XXXX and Trasn Union on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

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 2019-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
My Husband and I have received letters from a Collection Agency in regards to a debt we allegedly owe so in return we requested validation for both of us. The original letter from them apparently indicated we both are debtors from the business they purchased the debt from. First : The validation we received did not indicate my husband was a debtor. Second : This Collection Agency is attempting to make us pay an amount above the original debt by adding fees and interest. This violates the Fair Debt Collection Practices Act both Federal and the State of Tennessee. Third : They refuse to answer all the validation questions I sent them that were within legal parameters to ask. I would like to mention this Collection Agency has had several complaints against them with the XXXX XXXX XXXX for the same violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX, we were notified by USAA that our credit card as well as checking and savings accounts were being closed. Neither were in default or any other problem. I have spoken to four or five individuals at USAA and the only information I have been given is that according to some law passed in XX/XX/XXXX by congress, they have the right to cancel and not inform the client why the accounts were closed due to unacceptable behavior or activity.

I have used USAA for over 50 years and my credit rating is excellent, yet they will not disclose their reasoning. I first called the CT State Banking Commission and they informed me to file a compliant with you. After listening to what I had to say, they said it sounded like USAA thinks I am laundering money. 

I am in the XXXX  field and XXXX  years ago on XXXX XXXX I was involved in a serious accident. Having to retire, we decided I was still able to help out in XXXX, so I still maintain my licenses. We spend about 6 to 7 months a year there and I do use the ATM machines there to access money. True the USAA account is not my primary account since I use a local bank in a small town that knows us well. However, using the USAA account has some benefits that our local small bank dose not have, such as home deposits and the first so many ATM charges are free. 

I served my country as an XXXX in the XXXX XXXX, so I feel I am entitled to that benefit. I do not feel that any citizen of the USA should be treated as if they liven in a country controlled by a dictator where they are subject to the whims and wishes of those in power. Since when has the US not followed the law where the individual is innocent until proven guilty? More important, how about false incriminations and not being told of the charges? Our country went through a very negative period not many years ago about such acts, are we now headed toward another such era? 

I have been told that if asked if I have ever been turned down for any credit cards or banking accounts, I must now answer YES. This is totally unfair to any citizen and especially a veteran, who has served this country. I would hope you would be able to answer my concerns. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent an investigation request to Experian and XXXX XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.

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 2019-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA MOTOR CREDIT Account number XXXX .... is reporting this account on my credit report wrongfully as charged off and with the balance. This vehicle was totaled due to accident, Toyota received full payment from my insurance company, they never called me or sent me a bill now I just noticed that on my credit report they are reporting this as a CHARGE OFF AND WITH OUTSTANDING BALANCE OF {$1700.00} as of XX/XX/2019 WHY ... I called TOyota several times only to be transferred all over the place telling me they could not find my account but if I see a balance that I should pay them. THey keep telling me they are ready to take my payment but won't tell me why or to which account they would apply this to. I was even told to send in a check and they will figure it out .... this is ridiculous. In a meanwhile my credit is suffering I have no other negative account except this one. WHy I can't get justice for this ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial Leasing, XXXX. XXXX XXXX, XXXX, TX, XXXX, phone number ( XXXX ) XXXX was paid off in full for what we owed under account no. XXXX for a lease on a new XXXX XXXX. They were paid in full because the car was totaled in an accident. They were owed {$17000.00} and they were paid {$20000.00}, and they were supposed to refund {$3100.00} to us. They were paid about XX/XX/2019, and said they requested that a check be sent to us for {$3100.00}. But when we did not receive the check, we called and we were told that there would be a 30 to 60 day delay in sending the check to us. They could give us no good reason for such a delay. We would like to have prompt payment of what they owe us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted Transunion at XXXX XXXX on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.

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 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was selling a property and a past judgement of a Credit Card Debt came up on my Title Commitment. I contacted the creditor Capital One and negotiated a settlement on XX/XX/XXXX. We closed on the sale of the property XX/XX/XXXX, and funds were released to the creditor. I was told that a satisfaction or lien release would be recorded 22 days after the payment cleared. Its been over 4 months and they have not recorded a release as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: NY

Complaint narrative:
Key Bank  is confused about my 'Grandfathered ' checking account from XXXX XXXX  , which had no maintenance fees or monthly transactions requirement, they took over in XXXX. And starting in XXXX have decided without my awareness or consent, to charge {$50.00} maintenance fees on an irregular basis. I have been using this account only as a depository for a small monthly electronic deposits from pension plan and have failed to monitor it regularly to catch these rough 'unjustified maintenance fees, until XX/XX/XXXX. My request to refund these charges and to explain what happened to my 'No Fee ' account after these many years of the account being maintained without fees have not been resolved by Key Bank . 

What is really hurtful, even though I was told and assured there would be no additional fees while my complaint is being 'researched ' for last 2 months, 2 more {$50.00} fees were deducted from my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have tried several times to get these accounts verified through Equifax and they keep telling me they are verified when I know that there is no contract on the accounts and that they are in violation of my hipaa rights. account # XXXX and # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I had a collection account with Midland Credit Management, regarding an old credit card balance for {$2200.00} from XXXX XXXX XXXX. Midland told me that if I paid them {$1000.00} to settle the account, they would take the account off of my report. They said that they could completely delete the account, because it was over 3 years old. I  sent {$1000.00} to Midland through XXXX XXXX on XX/XX/XXXX. As of today, not only is Midland still reporting the account on my credit file, but they are also reporting that I still have an outstanding balance of {$1200.00} owed. This is in complete contrast to what they told me what would happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I never know I have debt for XXXX XXXX in XX/XX/2014 for something I already done with XXXX XXXX in the pass why now they want to take money for me they send me in credit report when I try to call them they told me my name was writing wrong they have my same address they need to do better do try to steal people money bill for XX/XX/2014in never talk to me never send any bill Im just found in credit report chapter XXXX XXXX  some of them waypoint resource groupe. {$600.00} they said XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
I was pre-approved for a loan with XXXX XXXX XXXX in XX/XX/XXXX. I found a short-sale property in XXXX of XXXX, and my loan officer XXXX XXXX immediately ordered my initial disclosures and had them sent to me. I received disclosures from XXXX and Carrington Mortgage, which is their TPO broker. I asked my loan officer why was my loan locked in XXXX and she stated that all loans should be locked right away. As with most short sales, the process was drawn out due to the seller ( XXXX ) was taking their time to review the offer. Throughout the process, I received 5 LOCK EXTENSION FEES. I felt like this could have been avoided if we did not lock the loan right away. I asked my loan officer on XX/XX/XXXX if there was a different interest rate available that could offer a credit to assist me with the amount of fees that were being added to my loan and I was told no. Finally we were on track to close by XX/XX/XXXX, until I was told that my credit report expired on XX/XX/XXXX, due to an " oversight '' on the Carrington underwriter. Once my credit was re-pulled, they stated that my credit score had dipped below XXXX, so a re-score had to be completed. It took almost a week for this to come back, and our deadline to close was today XX/XX/XXXX. I was looking for a CTC on Tuesday, but didn't get it until Thursday XXXX. Today XX/XX/XXXX I did not receive a final CD until I arrived at the closing, where my closing costs had increased from approximately {$6200.00} to over {$7300.00}! At the closing table I noticed that Carrington had made a couple of huge monetary errors on my Closing Disclosure. No one bothered to fix the numbers, therefore I walked away from the closing because it had become unaffordable for me at this point. The mortgage company also violated TRID by disclosing an appraisal re-inspection fee to me 2 weeks after they were aware that it was needed. Also, a title update fee was charged on my final CD that I was not aware of and it was never disclosed to me. I was told that sometimes extra fees from the title company just needs to be added. That is not true. As someone who has been trained on TRID, I can just imagine how many customers who are not mortgage savvy has been taken advantage of by Carrington Mortgage. As a consumer I asked for my closing figures be a little more accurate so that I didn't have any cash to close surprises. My requests were ignored several times. I was told that my requests would be on the final CD. Due to this fiasco, I now have to go back to my landlord to see if I can rescind the 30 day notice that I have him. This is the worse consumer experience that I ever had to go through.No one cared how this has affected me physically and emotionally. I am a single mother of a XXXX year old daughter, and it hurts me that I have to break the news to her that I can't buy this property due to the carelessness and lack of professionalism of Carrington Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX at XXXX pm on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have had multiple issues with this company. Out of all the places I have had loans this place is the worst. I have also sent in 3 complaints via the website and have heard nothing back from them. I am tired of the being bully 's, yelling out my personal information in the office, and threatening me. They are bringing up my personal children in the matter. I called to get a payoff on XX/XX/2019. XXXX quoted me {$700.00}. I called back up there the following Friday, and my pay off was {$910.00}. My wife paid it, and didn't ask questions. We were just so glad to be away from this crooked company. Well they call last week about a return check. Now they are bullying me trying to get me to pay this when it took them over 2 weeks to get a notice. I shouldn't be responsible. Especially after i just gave them {$910.00}. They can settle without the $ XXXX.I have paid the more than what I borrowed. I want this taken care of and I want them to never call me again.

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 2019-03-08 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern, my information has been compromise in equifax data breaches, accounts, collection and public records has been place in my name, I have try to resolve this, but information keep posting in my credit. 
An FTC complaint has been attached to this request, please block this information from my credit file, opt me out of prescreening offers, opt me out from your systems, and notify all credit reporting agencies of this event so they can remove items as well.

Company response to consumer: Closed with explanation