vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Another instance where I qualify for this auto loan applied at XXXX XXXX on XX/XX/XXXX and was denied by Capital Auto Finance because there are too many inquiries. Isn't inquiries a part of the car buying process? If too many inquiries due to car buying then Capital One Auto Finance should take the lead and change this policy. This is a flimsy excuse. My present auto is financed through Capital One Auto Finance with a 12 percent interest rate and a {$350.00} monthly payment since XX/XX/XXXX. Capital One Auto Finance in the business to make as much money as possible from the consumers even if they do have good credit. A direct quote from Capital One Auto Finance : There have been too many recent inquiries. Give me a break if that is the only thing they can come up with to deny the application. All these inquiries are from auto dealerships whom all encourages the buyer to fill out the application after assessing income and credit by stating that they finance all types of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: IN

Complaint narrative:
Equifax is continually ALL of XX/XX/XXXX and most of XX/XX/XXXX reporting Fraud. Equifax was sent NUMEROUS TIMES!!!!!!!!!!! A Police Report, Notarized Sworn Affidavit and ID theft Report. The XXXX WHO WORK at Equifax Refuse to supply to i, any proof or evidence that the Account ( s ) i have disputed are considered by Equifax to be valid. EVERY ACCOUNT EQUIFAX IS REPORTING ON THE XXXX XXXX XXXX CREDIT REPORT IS FRAUD. 99 % of the Account ( s ) that Equifax is reporting, HAS BEEN REMOVED FROM THE OTHER TWO CREDIT REPORTS BY THE SO CALLED CREDITORS THEMSELVES. The accounts are NOT MY ACCOUNTS, NOT MY DEBTS. Equifax is in violation of Fair Debt Collection Practices Act and the Fair Credit Reporting Act. There is NO HIGHER FORM OF EVIDENCE then Sworn Affidavit ... .Yet Equifax has Ignored the LAW, the RULES THAT GOVERN THEIR ACTIONS. This report will be used against Equifax in Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZARVAD III S.A.
State: IL

Complaint narrative:
On XX/XX/2018 I went online to acquire a short-term payday loan. Mypadayloan.com phoned me in minutes of hittingbthe send button. The rep from that company disclosed the terms of the {$500.00} loan. I would pay {$120.00} for 6 pay periods and on the last payment, I would be charged an additional {$150.00}. I signed that contract that day. When I went to print the contract, there was a different contract with different terms of which I didn't sign. I called the company on Monday, XX/XX/2018 when the funds were disbursed into my account bringing to their attention those weren't the terms that were disclosed to me, and where was the contract that I signed. I was assured not to worry that {$120.00} Would be deducted by ACH from my account. The first payment was to be withdrawn from my account on XX/XX/XXXX. On XX/XX/2018, there was a check that MYPAYDAYLOAN had devised to withdraw {$150.00}. I immediately called them and stated those weren't the terms that I agreed to, and was told because I didn't call two days prior, there was a late fee added. This is when the dispute started. This company started to call my place of employment of which I clearly stated upon initiation of the contract, to not contact me there. That request fell upon deaf ears as they called me two more times at my place of employment, and I had to tell them that I would file a complaint with the attorney general 's office if they called my job again. I'm going through some dire financial problems and informed them of that by sending several emails. Two or three times per day, a different person would call from different phone numbers representing this company. They called me so much that one day at my job, I began to sob uncontrollably due to the stress MYPAYDAYLOAN had inflicted upon me with the numerous calls. I told them in good faith they gave me the {$500.00} and I did want to settle but on the original terms. I've paid them {$150.00}. They are saying I owe them an additional {$1200.00}. I then began to investigate their company to find they are scam artists. They told me they have sent all this information to my credit files, as well as to XXXX, whereby preventing me from all check writing. No scam artists should have the ability to ruin a consumer in such manner. Your prompt attention regarding this matter is greatly appreciated. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian lists on my credit report XXXX Report # XXXX ) one negative account -- a XXXX XXXX XXXX XXXX ( XXXX ). Experian also states that because the item has been contested once that my only options going forward are either to upload " new '' information that would, according to Experian, justify a reinvestigation or to call Experian and almost certainly be put on hold. So obviously this method is much more efficient for me both in time and with regard to the fact there is no " new '' information to upload -- the fact is that the account is past the statute of limitations for listing. The first missed payment/delinquency occurred over seven years ago. There is nothing I could upload that would clarify this for Experian. A company does not get to start the statute of limitations clock based upon the first time an account was sent to collections, but rather when the last payment was missed. I also do not recall what I based my earlier request for an investigation on but I strongly doubt it was based on a statute of limitations argument. It may have been that at that time I did not recognize the account, as the origin of the account is well over ten years ago.

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 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/18, I initiated an instant transfer from XXXX to my Checking Account with Capital One 360 in the amount of {$700.00}. This transaction, as intended, posts instantly. The funds were in my account on the day of XX/XX/2018. 

Upon reviewing my account and preparing to pay rent, the funds are no longer in my account. On XX/XX/18, I contact XXXX to investigate. XXXX informs me the money was in fact deposited into my Capital One 360 account. I immediately contact Capital One 360 and speak with a manager ( XXXX? ) who was not helpful. He never offered the ability to investigate and he could not see the transfer on his end, either. On XX/XX/18, XXXX sends me an email with detailed transaction information that should assist my bank in locating the missing funds. I contact my bank on XX/XX/XXXX and speak with a representative ( name? ) and provide her the details. She places me on hold, and after 20 minutes, the call disconnects. I call back and speak with a manager named  XXXX. XXXX begins to file an investigation request. Upon learning that the transaction would have posted as an " original credit transaction '' and not an ACH transaction, she is no longer able to submit the form to investigate and I will " have to send them a detailed email with the facts and someone should get back to me within ten days. '' I submitted the email on XX/XX/18 and do not expect to receive a response. I have had to utilize their email in the past to communicate and have yet to receive a response regarding any of my past grievances. 

So now, XXXX can not take responsibility because their records show the money successfully arrived in my account. My bank, Capital One 360, will not take responsibility nor can they investigate the transaction. Now I have late on rent and will be assessed a {$180.00} late fee as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
I still have phone call or lathers to ask me to for pay back money I didnt used it. All ready I reported to XXXX  about fraud ( someone its been use my informations ), and my credit its worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: CORELOGIC INC
State: FL

Complaint narrative:
I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Calls daily 5 or 6 times. -paid on payments until I was hospitalized. Told company rep who threaten me.

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 2018-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Calling daily 8 to 20 times robo calls

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 2018-11-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent in multiple FTC reports for fraudulent accounts to Equifax and they refuse to delete them. I have a afraid alert on my account and has had one for months. I need these to account immediately deleted because it is messing up my credit history and hindering me to buy a home! I need a new report delivered to me once deleted. Thank you amounts and dates as attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX, I requested a copy of my report. I noticed a collection from Medical Business Bureau for {$250.00}. On XX/XX/XXXX I submitted a request for debt validation as I have no recollection of doing business with them or the original creditor, XXXX XXXX XXXX. I waited 30 days for the validation and after not receiving the requested documents, I submitted another letter on XX/XX/XXXX. As  of XX/XX/XXXX, I have not received the requested documents from Medical Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The company was unable to give me a solution to problem, and have taking out {$1000.00} for a loan which I ask them, on XXXX I call and ask chase auto loan what is their solution to my car that had been hit, and left me out of work for 3 months now, and I'm still recovering form the accident, and they refused to find me an alternative instead they leave me n hold for a long period of time, and I call many time after that, and they refused to give me an alternative. they reason I want an solution cause my income have been depleted because of them taking money out, and I'm very behind in some of bill. the chase customer service are nasty and hand up on me. all I want is fair solution because i'm only receiving worker compensation, and they only want to raised the price on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: MD

Complaint narrative:
Sometime in XX/XX/XXXX, I received a notice from Pacific Union Financial , LLC asking me to provide proof of insurance coverage for the period between XX/XX/XXXX and XX/XX/XXXX. I was surprised by this notice because the premiums for the home owners insurance on my mortgage have always been paid out of my escrow. When I called the insurance company to find out what was going on, they told me that the premium had not been paid when it came up for renewal in XX/XX/XXXX. The insurance company says they sent the invoice to Pacific Union Financial but despite several attempts, they did not receive any payment and in the end they cancelled the policy. I asked them why they did not contact me and it turned out they sent a notice to a wrong address. As a result, I did not know that the policy had been cancelled due to non-payment until Pacific Union Financial sent me the notice inXX/XX/XXXX. After receiving the letter from Pacific Union Financial, I reinstated insurance with my provider and sent Pacific Union Financial a letter explaining what had happened. I did not receive an acknowledgement of my letter but soon after I sent my letter on XX/XX/XXXX, I received a notice in the mail from Pacific Union Financial stating that they were getting lender-placed insurance on my behalf for the period XX/XX/XXXX to XX/XX/XXXX. Having not heard anything from Pacific Union Financial, I figured the issue was resolved after I had sent the letter explaining the circumstances surrounding coverage lapse. However, in early XX/XX/XXXX, I received a notice from Pacific Union Financial stating that my escrow was in the negative and after further review, I discovered that Pacific Union Financial had charged {$1300.00} against my escrow account to pay for the lender-placed insurance.

I am filing a complaint against Pacific Union Financial for charging me the {$1300.00} for the lender insurance because : 1 ) it was their fault that they failed to pay the homeowners insurance when it was due and 2 ) they failed to notify me on time that the policy was not in place. By the time they notified me, it had been more than 10 months since the policy lapsed and it should not have taken them this long to let me know if they were acting in good faith ; 3 ) I sent them a letter explaining the circumstances which they ignored and went ahead and charged me the lender-placed insurance ; 4 ) when they notified me in XX/XX/XXXX, there was no way I would have been able to obtain an insurance policy retro-actively. 5 ) In XX/XX/XXXX, they claimed to have obtained a policy in my name for a period that had long passed. There can not be an insurance policy issued retro-actively and I find this action fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: IL

Complaint narrative:
I notified XXXX, Experian, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified 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 non-monetary relief
Consumer complaint received 2018-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Husband is currently overseas and not able to use his Wells Fargo debit card ending in XXXX. We called Wells Fargo today to try and get the issue resolved as we had already notified them online about his travel plans, but the representatives REFUSED to help us without him confirming the verbal password on the account. He did not recall even setting up the verbal password and they didnt even try to verify the account using a different method, such as confirming SSN or anything at all. They just kept saying that he would need to go into a branch ... .HE IS IN XXXX ! They were rude, they cut us off and talked over us and didnt try to help us at all. He doesnt have access to money while overseas now all because of Wells Fargo and the poor treatment of its customers. We spoke to 2 different individuals, 1 was a regular representative and the 2nd was her supervisor who actually HUNG UP on us! The call was on Saturday, XX/XX/XXXX around XXXX - XXXX PST. Please pull this call so you can listen to the way we were treated.

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 2018-11-03 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: FIRST HORIZON BANK
State: FL

Complaint narrative:
I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied for the Chase XXXX premier rewards XXXX XXXX Mastercard around XX/XX/2018. After talking to a lending specialist on the phone the day after, and getting fully verified ( due to a fraud alert that is on my credit report ), I was approved for this card with a {$12000.00} credit limit. Everything was good, until I notice my card got declined when I was making a {$3.00} coffee purchase on XX/XX/2018. I immediately logged into my account, and notice that this account was stated as closed. After contacting the phone number on the back of my card, inquiring about what is going on with this card, they told me that they have no idea why the account has been closed ( no notes on the account ), however, the account was closed on XX/XX/2018 ( one day after the {$89.00} annual fee was posted ), a letter has been sent out, and a phone number I could call : XXXX ext. XXXX. 
There is a credit card agreement between JPMorgan Chase and the card holder. I have not violated any of the terms in that agreement. My credit standing/score is still as good as the time I applied for the card, with no sudden negative change, that might be deemed risky on Chase 's side. At this point what has happened is not credit-related ( therefore, violation of the fair credit reporting act ), and a case of discrimination. If chase did not want to do business with me ( I am a chase private client by the way ), they should have just declined my application with no credit pull stating exactly that fact as their reason. Doing this was well within their rights as a business, and I would have understood. However, if they have let me apply for a card, done a XXXX hard pull, approved me based on my credit, and then, all of a sudden, out of nowhere, my account has been closed by a secret department in Arizona for reasons that are unrelated to my credit, is ludicrous beyond belief, and a case of discrimination ... As a chase private client, I am really disappointed in how chase is conducting its business, and would like to request my credit card account to be reinstated immediately.

Company response to consumer: Closed with monetary relief