vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/XXXX, I made a purchase online to XXXX XXXX using my husband 's debit card. Within 5 minutes, I cancelled the transaction with XXXX XXXX. I received an email from XXXX XXXX advising the order was cancelled. I called Key Bank same day and was advised the hold for {$690.00} would be released on XX/XX/XXXX. This did not happen. I called Key Bank on XX/XX/XXXX and was advised the hold would be released on XXXX. This did not happen. I called Key Bank on XXXX and was told the hold would be released on XXXX. In addition, I was advised that I should go ahead and file a dispute if the hold was not released on XXXX. I went ahead and filed the dispute. The hold was not released on XXXX. I called Key Bank back again on XXXX. I spoke to a Supervisor XXXX, Employee # XXXX. She told me nothing could happen because it was a Sunday and to call back on Monday to the same customer service number. Then, I could be transferred to the dispute department to have the hold released. I called Key Bank on Monday XXXX XXXX. I spoke to a representative who told me the fastest way to get this hold released was to do a 3-way call with XXXX XXXX, Key Bank and myself. So I did a 3-way call. I spoke to a Supervisor XXXX and after over 1 hour, XXXX XXXX had provided all of the authorization information proving the transaction was cancelled on there end. I was told by Supervisor XXXX that he personally went in and released the hold. I looked at my account later on XXXX to notice the hold was not released. I called Key Bank again and spoke to Supervisor XXXX again. She told me there is nothing else she can do. I may have to wait up to 10 business days for this to be released. This is not acceptable. I demanded she contact the dispute department, as she had advised me on Sunday, to have the hold released. XXXX came back on the line to advise the hold will be released today XXXX or tomorrow XXXX. This is not acceptable. Key Bank has held on to my money for 5 days now. I then contact the Key Bank Consumer Relations Department and spoke to XXXX. She took my complaint and advised someone would contact me in 24-48 hours. So, now at XXXX EST on Monday, XX/XX/XXXX, I STILL do not have my {$690.00} put back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been treated very shabbily by Capital One Sparks Business Cards. I believe that I have been discriminated against based on my XXXX and/or my XXXX surname and as a XXXX XXXX XXXX. On or about XX/XX/2019, I made an on-line application for a Business Sparks Card. On XX/XX/XXXX, I received a correspondence that had the name of my XXXX entered incorrectly. I called back on or about XX/XX/XXXX, and spoke with a Supervisor. She explained that the application could not be accepted because the name wasn't entered correctly. She stayed on the phone while I redid the application. She made sure that the application was correct. She said also said that I would need to resubmit the Certificate of Formation XXXX XXXX XXXX. I faxed it that afternoon and then mailed a hard copy on or before XX/XX/2019. 

I called back to check on the status on or before XX/XX/2019, to check on the application and was told it was too early to check it was sent to the back office and that I would need to call back around XX/XX/XXXX. I waited and called today, and was told that my application was NOT sent to the back yet because the documents were not acceptable. I sent copies of the original sent to me by the Secretary of State of Texas,  which had my name, the name of the company and the business address all on the page. XXXX, who claimed he was a supervisor, said that the paperwork sent on XX/XX/2019, was not acceptable. I am extremely upset. I filed a complaint with the Attorney General of the State of Texas that I believed I was being discriminated against because I was a woman and a small business owner. 

He then said I needed to send the information on the back of the letter ( which I had already faxed and mailed ). He said he would resend it to the back to be evaluated. I called back 2 hours later and was told it was still pending. He said an email was sent by the Supervisor and he would send an email. I again faxed the information at XXXX EST on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, MO XXXX I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 30 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve 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 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
Hello I applied Credit Card With XXXX XXXX XXXX  XXXX and I was asked to go to branch to provide my driver license my paystub and utility bill along with copy of another credit card, I complied with their request and went to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX and left all documents with them. Today I called to get status they are saying they can not verify my identity with is strange because i was there physically.

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 2019-03-04 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: SD

Complaint narrative:
I checked my Experian credit report last week and noticed that my score dropped from XXXX to XXXX. My score was XXXX in XX/XX/2018. I contacted Experian and all they could tell me was that they are using a new system to compute scores. There is also no new derogatory information on my report. It is VERY UNFAIR to a consumer who has worked hard to get their credit score higher just to have it lowered by the company that does the reporting. I even pay for credit monitoring services monthly. I tried calling Experian today and all they did was try to transfer me to a different department and then that department hung up on me. I never got a chance to talk to someone and its always the same, I get transferred from department to department.

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 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Frequent or repeated harassment. Pen credit corporation continues to call me in an attempt to collect a debt not owed. I asked them to stop calling several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
My personal credit was affected by 30 points because of a 30 day late payment which I was not aware of. 

This lease is a company lease and all notices are send to our company address. the dealer had a bad phone number on the account for our company. We never received a late notice by mail nor did we receive any phone call. We did not supply them with that phone number. The dealer may have gotten it off of an old website listing. That number has not been operational since 2014 when we moved to our current address. 

The finance company claims they made calls to my residence but since I have a block on auto-dialers, the phone will not even ring to my residence. They claim they made manual calls but I know this to be untrue. If a call had been received at my residence I would have addressed it promptly. Also, we received no written notices to our business They reported this on my personal credit report as 30 days delinquent but since I received no notification personally I was unaware of the delinquency. This is a corporate debt which I guarantee and I believe that the 30 day delinquency should be removed since they only use dialers to contact people and I was never spoken with or given the ability to pay by phone. 


They never sent any notification to my personal residence either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I had accessed my credit report for review. I found that my XXXX XXXX CC ( XXXX  ) was closed in XX/XX/XXXX. Today i called XXXX CC and asked if i can have my account reinstated. I have been a loyal card member with 99 % ontime payments since XX/XX/XXXX and my card was closed d/t inactivity. The initial rep said there was nothing she could do and gave me to supervisor XXXX. XXXX basically stated the same notion. However, she stated that express sends out notifications if accounts are going to be closed and the cardholder has 7 days to respond to the notice. I stated that i did not receive a notice from XXXX. She placed me on hold to verify if a notice was sent. After being on hold for over 10minutes our line was disconnected. 
I then called back and spoke to a different supervisor by the name of XXXX. XXXX stated that XXXX did not send a notice to me in XX/XX/XXXX and that my account is closed d/t inactivity. I tried to explain my long good standing with the company and how in the past 5 years i've had XXXX kids and that was the reason for the inactivity. Additionaly, my husband was XXXX from XX/XX/XXXX-XX/XX/XXXX and i had no opportunity to use the card with children in tow. XXXX stated he can not re-instate my account. 
I had a similar situation with XXXX and they re-opened my account for use on the spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: ND

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery uses a random number generator to disguise where they are calling from. They also pretend to have the wrong number and they are just checking. They continually harrass me by phone and they continually do inquiries in my credit with all three credit reporting agencies. They never tell me why they are calling. I have never done business with them or owe them anything. They need to stop.
They also shared my phone number with Spammers and now my phone won't stop ringing.

XX/XX/XXXX

As you can see, Portfolio Recovery has stepped up their harrassment ny callingme two or three times a day beginning in XXXX. Sometimes FOUR times a day. They need to stop calling me for something I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: NC

Complaint narrative:
My family was experiencing a significant financial crisis due to years of only one paycheck, a 5 person household, and mounting debt. I received several advertisements regarding BHG 's financial services. I explained that we were in a financial crisis and was interested in a consolidation loan. Unfortunately, I was encouraged to proceed with the loan and was not given much details. For one, I was never told that they would set up the loan as a " business loan '' and use my name as a corporation which does not exist. Secondly, the contract was set up to sue including applying a XXXX lien on my home if I was unable to pay. I was also not informed that there would be a prepayment penalty and that I would end up paying twice the amount of money that I borrowed. I ended up paying them back a large portion of the money that I borrowed just in monthly payments over the course of 12 months. My monthly payment to BHG was XXXX dollars per month in addition to all the other monthly expenses that I owe. I ended up having to take other loans out just to pay them monthly which has doubled my total debt and eventually led to our situation spiraling into financial ruin. I feel like during a desperate time in my life, I was misled and now my family is at risk for losing everything. They are unwilling to negotiate and continue to threaten us with taking everything from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GREAT LAKES
State: FL

Complaint narrative:
called Great Lakes Servicer to ask if the loan was government or private but was told that the account was handed over to XXXX which is a collection agency and explained to Great Lakes that this is no longer a government loan but a private loan and was explained to me that they are working for Great Lakes Services to collect the debt. but according to my credit report will show that the account is up to date and paid on time. XXXX  back in XX/XX/XXXX and did a back ground check on the School which is XXXX College had shut its doors due to accreditation making students pay for loans knowing that the process that they used is waste fraud and abuse knowing that the classes that were taken could not be transferred to a regular college or university. Since this school has closed its doors no student should have to pay back this loan and therefor should be permanently discharged whether the student graduated back in XX/XX/XXXX or XX/XX/XXXX. This loan should not have been handed over to a collection agency knowing good and well the account was being paid up to date as noted on the consumer credit report which will be mailed to the Consumer Protection Financial Bureau as evidence. The consumer asks that the loan be completely discharged and reported to all three Credit Reporting Agencies as such due to school disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I pay several hundred dollars a month for the Card Security benefit from Synchrony Bank. I lost my full-time job, and filed a claim for benefits. The terms say they pay your first 3 minimum payments every month and then cancel out your full balance. I have sent Synchrony Bank all of the information requested, and even applied for unemployment ( despite being knowingly ineligible due to school status and unemployment they insisted I file a claim anyway.It has been 130 days ( or 4 months, 7 days excluding the end date ) since my benefit initiation date and I am still unemployed. Despite numerous requests for my benefit to be processed I remain asking them to make a payment and cancel out any of my balance. I paid very high premiums every month on my retail balance and now they are disregarding my claim and refusing to settle it.

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 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
The Capital One Bank USA was a secure credit card in the amount of {$300.00} dollars. Now this card is {$2500.00} I do not know how this credit card allowed by the Capital One Bank to go that high. I did not do this and I do know that my card was used by someone else. My question to the Captial One Bank is how could you let this card that was only a secure credit card for only {$300.00} get to {$2500.00}. This is fraudelent and I did not do this sort of thing. 
Attached please find a copy of my credit report that shows this issue. This is not my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/2019 I received a call from my employer of the HR department. During this call they informed me that they had received a notice to garnish my wages for a past debt. Along with the notice I was emailed a copy of the garnishment order. Within the request it stated I was informed of the possible garnishment and that they were sending a federal order to garnish. What I have a complaint on is the garnishment is not a result of a default judgement nor is it legal. The company responsible for this practice is Transworld Systems INC. After reading I gave them a call expecting to speak with a government official but was informed they are not the government. I then asked how to obtain a federal income tax garnishment. I was then told they could not help me nor could they protect me from a tax garnishment. From there I contacted XXXX to get some feedback. Upon contact I was told my account went to collections and to contact Transworld Systems INC. Here is where Im in complete awe. How does a debt collector send a federal order to garnish wages if it does not meet the criteria. Please help shed some light so my concerns may have some answers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
This has to be a strange chain of events. I was discharged from Chapter XXXX bankruptcy in XXXX of 2018. The reason I filed bankruptcy was divorce and XXXX. Over that time I worked extremely hard to get back on track with life and my finances. The house that XXXX serviced is still not sold but I was able to secure an FHA loan this XXXX and before my first payment, my new loan was sold to XXXX. Now Ive already been down the road of having to file multiple complaints against this company for debt contact or false statements on my credit report after the bankruptcy to the point that the state AG was involved. But how can I talk to this company when legally we arent supposed to talk and they already have me stuck on a title for a home I can not sell, they will not sell and is why I want FHA since mortgage cant use my VA loan again until they sell the home? 
On XX/XX/XXXX, I set up two things on their site. One was a one time payment which was scheduled for XXXX. The due date of the payment. The other is for automatic withdrawal. Ive been on hold for 34 minutes trying to talk to someone. My payment has still not come out of my bank account. Which btw, considering the past issues Im not sure its ethical for the bankruptcy business should have new access to my financial information moreover any access to my account - what if they try to take funds for the other account Im discharged from? 
Interest in a mortgage is a daily thing. Today is XXXX. Their site and the email confirmation said it would come out that day. The funds are in my account. I have validated no issues and called XXXX XXXX XXXX already. There is no pending withdrawal from this organization. I have been told by my bankruptcy attorney that is should not say yes to any questions from Them authorizing them to start harassing me again. Well how can I do that when again theyve purchased my new loan? Bankruptcy and recovery from it should not be his hard. Most people dont recover as fast as I did but I made it and Id like to not have to go through this personal XXXX 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