vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-17 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: IL

Complaint narrative:
I am very sad and dissatisfied at capital one because I have work very hard to become current with all my 3 credit cards with capital one I have done payment for he past 3 months and this people decided to restrict my account now one is already back to normal but I was charge an annual fee for 2 cards the one ending in. XXXX and XXXX the reason of why I fall behind on my payments is dude to an emergency that is been going on for so long my grandmother and grandfather health issues this was a temporary thing but now it has expanded as both of my grandparent were having health issues once again and it is impossible for me to give a higher payment every month to bring my account Down as much as possible I have tried my best and I even got enrolled in to a program that supposedly was helping me out but in reality it is not the interest fees and cash advance fees are killing me for every minimum payment I make once he interest charges hits or cash advances hits the balance increases and he balance doesnt goes down much. I spoke to a female supervisor that said she would look out and see my options but she only call me once and nothing was settled I explained her my situation financially as I been struggling for both of my grandparents health problems I concider them like my second parents I called them mom and dad. All I want is help from capital one and see if they can please wave me the interest fees and cash advance fees something that can help me out. I am happy to be part of capital one because its been. While but sometimes I feel like they dont really care wen it comes to problems wen customers struggle financially like Im doing at this moment I also want all my accounts to be not restricted they said they will re open them after I completed 3 payment I have completed at least 3 to all accounts if Im not mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Genessee Financial
State: MN

Complaint narrative:
My vehicle was repossessed by the company. I had gotten behind on my payments previously resulting in a XXXX letter and calls to my family members, however I had just gotten my payments completely up to date. The company routinely accepted late payments and payments plans from me. Due to making a substantial payment, I needed time to get caught back up on the current payment. The rep from the company had been speaking to my father ( whom I have never authorized to speak to them ) and he advised him he would contact me to resolve the matter within that same week, meaning if I couldnt pay it, my father would. At this time, I was still within the 30 day window for the payment. My vehicle was then repossessed 2 days later. 2 weeks after my payment date, which the company had advised me no action is ever taken or considered until after the 30 day window had passed, which it had not, since it was still considered current at that point. I did not receive a new XXXX letter, I was told I was ok unless that were to happen again since it was considered a new default, which follows in accordance with MN state laws. After the repossession accursed, I was never informed of a date the vehicle would be sold or auctioned, I didnt receive any kind of notification from the company. I have disputed this account on my credit report numerous times, however the company continues to state it is valid. I have attempted to send correspondence to them to resolve this, however the mailing address they list is not a valid address for them. The vehicle was illegally repossessed and they violated almost all of the state laws that must be follow. The company was communicating through a 3rd party, my father, whom they assured I would be able to resolve the matter within the week, yet they repossessed before I would even make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have sent Resurgent Capital Services several letters to verify a debt that they say that I owe and all I get back are letters that say " We recently received a direct dispute from you regarding certain information in your credit report. After reviewing this dispute, we have reason to believe that it was submitted by, prepared on your behalf, or submitted on a form supplied to you by a credit repair organization. Therefore, as permitted by law, we have determined your dispute to be frivolous and irrelevant and will not investigate it. '' With the letters that I have sent out, one in XX/XX/XXXX and the other in XX/XX/XXXX, Resurgent has failed to do anything to verify my debt. In accordance to the law, they had 30 days to verify it, or it will fall of my report. It has been long past that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MD

Complaint narrative:
XX/XX/2013 {$3800.00} not familiar with this debt account!

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 2018-04-17 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: Expedite Financial, Inc
State: CA

Complaint narrative:
I had lease XXXX XXXX, lease end XX/XX/2018. ( Premium is paid automatically my bank account at XX/XX/2018 XXXX offer me New lease XXXX XXXX at XX/XX/2018. 
If I lease XXXX XXXX XXXX again, XXXX offered me that I will return my current XXXX XXXX without paying my lease payments three months in advance. 
I leased XXXX XXXX XXXX at end or XX/XX/2018. 

XX/XX/2018 I, XXXX XXXX check my credit report. 
Credit report late and none payment of XXXX XXXX before I had. ( around {$1000.00} ). 
I, XXXX XXXX have been a lot of financial problem because XXXX made wrong credit report. 
XX/XX/2018 I called XXXX XXXX finance. 
Never say excuse and if they made mistake, they do not call me. 
If I need, I must call them. 

This XXXX is so bad company for customer services. 

Pl help and collect my credit report. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am a veteran of the us military, after retiring I decided to get a newer model car, XXXX XXXX financed the car to me, my wife was hospitalized for a few months and all of the bills fell behind. I continued to make payments on the car last week the car was repossessed and a week later the bank sent me a default letter saying that I would lose my car if a monthly payment was not made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: NY

Complaint narrative:
This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never  suggested that I was in the market for a loan of any sorts, yet Equifax continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the  loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore Quicken loan response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I attempted to lift the freeze on my credit reports with Experian, XXXX and XXXX. I was able to lift the freeze immediately on the XXXX   and XXXX sites. Experian would not lift the freeze either online or on the phone, and gave me instructions for mailing in my request, supporting documents and payment. 

OnXX/XX/XXXXI mailed all the requested information and my check via USPS Priority Mail with tracking. USPS confirmed delivery of my letter to Experian on XX/XX/XXXX 

On XX/XX/XXXXI received a " Dispute Results '' letter from Experian dated XX/XX/XXXX presumably in response to my request. It states that " Your personal credit report already displays a security freeze ... If you submitted a check, it was not cashed ... '' I have tried again to lift the freeze via the web site and by phone, with the same result, that I am directed to mail in my information and payment. 

I have been unable to speak to any person about this, there is only a phone tree. 

I need to have the credit freeze temporarily lifted because I have to move. I am in danger of becoming homeless because Experian refuses to lift the freeze. I consider this situation very serious.

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 2018-04-17 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: NY

Complaint narrative:
This is a continued ongoing complaint. Again XXXX has responded with allegations that they were in their right to pull my credit and perform a hard inquiry, but again and again have failed to provide documentation that supports their right under the Fair Credit Reporting Act ( FCRA ). I never gave my consent for XXXX XXXX to pull my credit history, I never submitted a loan application, I never showed or implied interest in any of their loan products and I never suggested that I was in the market for a loan of any sorts, yet TransUnion continues to side with XXXX XXXX without requesting that they produce material that would support their right under the FCRA claim.. I called XXXX XXXX just to talk to a loan " specialist '' for information regarding how much time from the date of a foreclosure would it take before being once again eligible for a mortgage loan? I was told that they would need some basic information and after giving said info I was then told that I was not eligible for a loan mortgage at this time ... Huh ... I already knew that? Then was told it would take 5 to 7 years before being eligible for any of the loan products that XXXX XXXX offers, with that I said Okay thanks for your time and hung up. Many months later I came to find out that without my permission or knowledge my credit was pulled for asking a mortgage question only ... This is violation to my rights as a consumer and rights under the FCRA. Furthermore XXXX XXXX   response that I had interest in a loan product because I asked a question and therefore they were in their right to pull my credit is total XXXX and preys on unsuspecting consumers.. So I ask again for XXXX XXXX to provide proof of my interest in being approved for one of their loan products other than a letter that states I called and had a conversation with a XXXX XXXX rep and was denied a loan ... Please be advised that I will continue to use ant ans every platform available in resolving this matter ...

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX said car was overheating water is leaking because it needs a water pump. They replaced it and I paid XXXX. The car started overheating next day called them XXXX. I took car to XXXX XXXX XXXX and they spoke with XXXX. The car was overheating and water leaking in the back possibly the new water pump is defective.

Its under warranty so XXXX   came got it and said they replaced water pump, I got car back on Friday evening and drove it Saturday and it starting over heating. Monday called XXXX and told them it isn't fixed. They never called me back and still to this day haven't. I have phone records to prove I tried to get this resolved and called many times. I then took it to XXXX XXXX XXXX and after they told me its leaking water and the problem is the engine not the water pump. I called and disputed charge with capital one.

and capital one rebilled me in XX/XX/XXXX. XXXX  got car inXX/XX/XXXX and I got it back XX/XX/XXXX for couple days and they took it back returned it XX/XX/XXXX and XX/XX/XXXXwent to XXXX XXXX. Disputed charges and waited. When I was rebilled I contacted capital one and the asked me to send letters, receipts etc.. I did and then I was told sorry you're out of time, I was in XXXX  for month of XX/XX/XXXXand returnedXX/XX/XXXX. Capital one sent a letterXX/XX/XXXX I didn't know untilXX/XX/XXXX. They said I was out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MD

Complaint narrative:
XX/XX//2016 {$720.00} spoke with fraud dept. no further action taken by company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17 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: FL

Complaint narrative:
TransUnion is in violation of the Fair Credit Reporting Act for their refusal to remove an invalid and illegal tradeline from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states : ( 1 ) '' A person must not engage in the business of making consumer finance loans unless she or he is authorized to do so under this chapter or other statutes and unless the person first obtains a license from the office. '' As validated by the FL Department of Business Regulation, XXXX XXXX  does NOT hold a valid license to offer loan products in Florida. By this statute alone, this alleged debt is invalid. Chapter 516.02 ( 02 ) further states : " A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan. A loan for which a greater rate of interest or charge than is allowed by this chapter has been contracted for or received, wherever made, is not enforceable in this state, and each person who in any manner participates therein in this state is subject to this chapter. '' The alleged XXXX XXXX  account is listed as having an interest rate of 314.24 %, which also renders the tradeline " not enforceable '' under the law, and thereby illegal to be listed as valid debt by TransUnion.

This account is invalid under FL state law. It is being illegally reported by an unlicensed online lender in an attempt to extort payment. TransUnion remains the only CRA that has not removed this tradeline based on it's multiple violations of the law. The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion must remove it or remain in violation of the FCRA.

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 2018-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is an extension of my prior complaint. I receive a call from a pushy inconsiderate staff member from Chase Card Services Executive Office today XXXX XXXX 2018, regarding my complaint XXXX

The gentleman miss represented the amount of money I had been refunded said it was over {$1200.00} on {$1900.00} of interest. Then told me to cash the check for {$600.00} chase sent me, it was an inducement to trick me into closing the claim, saying it was my money " go ahead and cash it. '' I asked If I had a credit balance of {$600.00} still in my account and he said " umh, no! so he is basically not telling the truth about the refund the amount I actually received was XXXX XXXX   my account so I only received {$600.00}. A blatant lie.

He promised an itemized response detailing in excess of {$1200.00} of interest charges which I have not received from him. I am in possession, but will not cash the check because Chase took advantage of me by not sending statements and charging excessive fees on revolving interest.

The call was recorded and he can furnish the recording. He also suggested that when cards get issued they automatically withdraw the minimum about due not the total amount due which I always pay. I thought I was set up for full payments not sure how this didn't take.

I hope you will further investigate this matter. It seemed that the person who called from the Chase executive offices wanted me to say I was done with the matter by pressuring me to suggest this at the end of the conversation.

I am not done until I get fair treatment by Chase. I am still awaiting proof that I did indeed get in excess of {$1200.00} of interest returned on the {$1900.00} of interest I paid due to their deceptive billing practices ( they sent the statements to my attorney I am not represented and didn't send me paper statements for months.

I found the call inconsiderate as I was having lunch with a client and high pressure to close the man never respected the appropriateness of his call timing and could not confirm that {$1200.00} of the interest was in fact returned. with the annual fee that occurred when I had this matter roll over for months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Capital One requesting they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter that states " my last payment amount '' and the " date the account was open, '' which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and the debt to be ceased.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX  transferred my mortgage loan to Carrington Mortgage back in XX/XX/XXXX My taxes and insurance are included in my monthly mortgage payment and I have not missed any payment till date. Surprisingly to me I received a bill from Carrington Mortgage showing an increase of about {$80.00} on my mortgage for The month of XX/XX/XXXX. When I called them they said they have the right to ask me to pay an additional two months escrow. There are several complaints online about this company and its fraudulent practices. My wife and I about two years ago had to file for a mortgage modification with XXXX XXXX XXXX to lower our payment because we were struggling with the payment then. Now this crooks want to add another {$80.00} to our monthly payment.

The trick is that they use this tactic to get you to refinance your loan with them. They charge a bunch of fees and you loan amount increase even if your monthly payment is lowered. Immediately XXXX transferrred my loan to this crooked company they have been sending me foreclosure letters even though I owe them nothing also refinance letters and forms.They even went as far as sending someone to my house without any notice trying to force us to refinance our loan which at its Current form we are happy with. We are not looking to refinance our loan and this crooked company dont have any right to add another {$80.00} to our monthly payment. If they dont stop this fraudulent act I and 40 other people I met online with similar complaints will be filing a class action suit against Carrington Mortgage and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation