vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/XXXX capital one offered me a new master credit card, I already had master card with capital one in great standings> I was told the new credit card will not have an impact while running mt credit. In other words in ll be a SOFT inquiry not a HARD one. I agreed and I was approved for a 2nd master card. In mid XXXX I received a letter from Capital one regarding financing my existing auto loan and also this process will not effect my credit as the process will be ran with a SOFT inquiry not HARD. I did apply for the refinance loan, I got approved however I did not go ahead with the finalization with the loan. On XX/XX/XXXX I looked at my XXXX credit report and I found out that Capital one was not honest about the soft inquiry with the master card but was honest with the soft inquiry regarding the auto loan. I was not happy to say the least. I immediately contacted capital one supervisor to understand the misinformation I was given and why Capital one would do a soft inquiry on a $ XXXX loan and a hard inquiry on a {$1500.00} loan credit card??? The supervisor had no answer for and made it clear she can not speak for the auto loan credit department and gave me no one to speak with further except she did offer me to file a complaint against capital one. I am attaching a copy of the hard inquiry with XXXX along with a copy of the auto loan offering showing no impact on my credit. If I had known the 2nd master card will be ran with a HARD inquiry I would not had accepted the offer. I already had a higher credit master card and certainly did not need the 2nd card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BARCLAYS BANK DELAWA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Here we go AGAIN with XXXX XXXX, XXXX, and XXXX, otherwise known as XXXX, Equifax, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner Finance is using predatory unethical, illegal and predatory lending practices. I renewed a loan in XX/XX/2019 requesting additional funds for a family emergency. The loan was approved for a specific amount. When it came time to sign the papers, they told me they would add another {$500.00} to the loan and use my vehicle for collateral. I told them there was no value in the vehicle as I had filed a GAP claim for a TOTAL loss. They proceeded to file a lien with Motor Vehicle anyway. The GAP claim has been settled, the vehicle has been deemed a TOTAL loss, the first lien holder has released their lien and Ive purchased another vehicle. I received no cash for the vehicle. 
They also, without my permission, proceeded to contact my insurance company and add their company as an additional loss payee. Our insurance company based on the presence of an additional loss payee, raised our rates. 
As instructed by the first lien holder, I went to the Department of Motor Vehicle to change  the title to a salvage vehicle. They would not do that until Mariner Finance releases their lien which they refuse to do.

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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Here we go AGAIN with Tweedle Dee, XXXX, and XXXX, otherwise known as Transunion, XXXX, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Here we go AGAIN with XXXX XXXX, XXXX, XXXX  XXXX, otherwise known as XXXX, XXXX, and Experian!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

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 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have had a Capital One Spark card for my company for six years and recently received notice that I was being charged a late fee, which was certainly news to me since it was on autopay and has been for a very long time. After talking to multiple reps, what they claim happened is my autopay was set to a fixed amount ( {$50.00} - covered the minimum and then some ) and, without any charges being posted in a 30-day window ( card wasn't used ), the minimum payment due became {$53.00} and because autopay didn't pick that up, and because no one notified me, I was immediately charged a {$39.00} late fee and my rate jumped to 31.5 %. Further, after they did the rate change, they go back and recalculate interest on the prior month, which made my amount due jump even higher.

This card is not used often ( just a backup for groups who don't take our corporate XXXX ) and with six years of perfect history, and having never missed a payment on any card ever, this is apparently how Capital One operates - which they confirmed, on a recorded line. I'm already issuing a payment to pay off the full balance so this account can be closed, but a rate of 31.5 %, for someone with an extended history of perfect payment history for both this card as well as all others, should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank provides different level of service to consumers who prefer not to communicate via telephone. 

On XX/XX/XXXX, I received a voice mail from Citibank. The message was transcribed by my assistant as follows : " Hi, this message is for XXXX XXXX. My name is XXXX calling from citicards executive office regarding some feedback that we received two complaints a my typical hours when she is manager XXXX, I'm typically email to report a sorry XXXX to XXXX Eastern Time Monday through Friday. I am going to be out of the office this afternoon, and we'll try to reach you at another time. If you have time and can call me back. My phone number is XXXX. '' The same day I logged into my Citicards account online, started a chat session into which I pasted the message above and informed Citigroup that XXXX of Citicards executive office should be informed about my communication preferences since I prefer not to communicate via the telephone and would like to receive communications from Citigroup in writing ( electronic messaging system would be fine ). 

The next day, Friday XX/XX/XXXX around XXXX XXXX I received another voicemail from Citigroup that was transcribed by my assistant as follows : " Hi, this message is for XXXX. My name is XXXX calling from citicards executive office regarding feedback that's received from the cfpb rezoning about a complaint filed with that. My phone number is XXXX. Call me at your convenience. '' It seems to me that Citigroup representative with whom I chatted online on XX/XX/XXXX for more than 1 ( one ) hour, failed to inform Citigroup 's executive offices about my communication preferences.

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 2019-10-26 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: ID Analytics, Inc.
State: FL

Complaint narrative:
Received a letter from XXXX XXXX on XX/XX/1025 after I tried to purchase a vehicle on XX/XX/2019. They denied me a financial loan through the dealership because of a XXXX credit score from sagestream LLC. I have never heard of this company before or why they would have any of my information or such a low score. I have been denied loans several other times for a vehicle and my guess is to this is why, it also says I have delinquencies. I'm not sure how I can have delinquencies with a company I've never heard of or why they have any of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Here we go AGAIN with Sunchroncy, XXXX, and XXXX XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
Here we go AGAIN with XXXX, XXXX, and Ann Taylor!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2019 I asked my bank-Huntington, the XXXX Michigan branch-to stop payment on several auto payments to high interest loan companies. The manager told me they couldn't stop payments unless there was fraudulent activity on my account, but a lawyer from a debt consolidation company called XXXX XXXX told me all I had to do was tell the bank which payments to stop and the bank had to stop them. I'm asking them to stop  payments because I'm a XXXX vet with XXXX  and other issues and I need to assign a payee to handle my finances and the bank knows this. The bank phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BMW FINANCIAL SERVIC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: 2288984 Ontario Inc.
State: SC

Complaint narrative:
I borrowed {$800.00} and have repaid $ XXXX+ yet this company claims I owe more than {$670.00} still. This is ridiculous! They do not respond to emails. Their chat feature never connects. They arent even located in the United States! 

I want my account marked PAID IN FULL/IN GOOD STANDING/CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA N has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ALLY FINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NATIONSTAR/MR COOPER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with XXXX  XXXX XXXX ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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