vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Global Lending Services LLC
State: NV

Complaint narrative:
I have an existing loan with Global Lending Service with an APR of 21.45 % and I am trying to get this loan refinanced to lower the monthly payment but the lender Global Lending Service has been calculating the interest more than the 21.45 % that I have signed up for giving me excessing pay-off balance. I have an offer for refinancing of and APR of 5 % which is a very acceptable car loan interest that I would like to have to fit my monthly budget but Global Lending Service Manager by the name of XXXX XXXX refused to look at their database of not calculating the correct pay-off balance and the correct interest accrued according to the APR 21.245 %. Please help by calling Global Lending Service to review my manual calculation according to my car loan contract and not according to their database calculation. Their database is ripping off consumers like me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I went on my credit reports and saw a lot of inquiries that were unrecognized.

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Deposited check # XXXX for {$1900.00} on XX/XX/XXXX via mobile deposit to my Huntington Bank checking account. Check was written on XXXX XXXX Bank account of a third party. As of today XX/XX/XXXX Huntington reports that they have not received funding on the check from XXXX XXXX and are still " looking into it. '' The third party originator/writer if the check claims the check was cleared through their XXXX XXXX account in early XXXX, although I do not know the exact date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I got a collection account on my credit report from Capio Partners XXXX XXXX XXXX. 
I have never in my life received any XXXX  or XXXX   XXXX, this debt is not mine and is a total fraud! I saw online many complains from other people that have also been having the same issues with this company Capio Partners I  need your help and support getting this collection account out of my credit report, it doesnt belongs to me, they are doing a total fraud. 
They have never sent me any proofs, letters or nothing. I called them and they even have my wrong Last Name on file! Thats even more proof this debt is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have a prepaid credit card with capital one. I always pay my bill on time, and my payment posts to my account and the money is taken from my bank. Yet capital one the past 2 months has not let me have the credit for an average of 14 days. So i told them to close my account. They said they would but would not return my prepaid money for 60 days. The agreement i have with them said my money would be returned in 10 business days not 60 as they now state i have to wait for my money. So i am complaining that they are keeping my money hostage for 50 days longer than our original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Myself and wife applied for a mortgage with Chase in XX/XX/2019 during which we were in the processing of securing a property. After a long search, our offer was accepted in XX/XX/2019 for the XXXX property. We secured Chase as our lender and deposited {$500.00} to lock our rate. The rate included lender credits on the points which we were really happy about. Unfortunatley, the closing fell apart during attorney review as the seller  's attorney was not cooperating in providing the condo documents which would be required for Chase. As such, we were aware that the {$500.00} would not be refundable. We continued to look for other properties and luckily we secured a 2nd property for which we returned to Chase to resume the mortgage process shortly after XXXX. We spoke with XXXX for which he advised that the {$500.00} deposit would be refunded and they will try to ensure that we would have a similar deal to what we previously had. XXXX promised a call that following Monday but he was unexpectedly out of office. We then spoke to a XXXX who ran our credit once again and gave us a rate which included points that we would pay. Myself and my wife asked that to not have points. Chase then went ahead and asked us to go to a competitor who can give us a better rate so that they can match it. I found this to be deceptive as i was promised by XXXX that they would do whatever they can to provide us what they originally did in the 1st property. After several emails my complaint was escalated to several individuals from an " escalation department ''. All of them resorted back to the fact that due to the policy i would not be refunded. In addition, they made claims that i even went thru an appraisal which i did not! Each representive i spoke to showed no lack of care and dismissed my reason to ask for the refund. Furthermore, they said that if they refunded me, they would have to refund everyone else. They said they did not care about me closing my accounts with Chase. I demand that someone from the Executive team reach out to me to personally apologies and give me a full refund of {$500.00} due to the deceptive pratices by the Chase Home Lending team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09 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: Mercedes Benz Financial Services
State: CT

Complaint narrative:
Settled in full zero balance Mercedes Benz, Mercedes is reporting I still owe a balance. 
Contacted Mercedes Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX Mercedes contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact Mercedes in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to XXXX XXXX XXXX XXXX. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full zero balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing zero. Not stating Settled in full zero balance per the supporting documents. I asked Mercedes to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX  until XX/XX/XXXX. XX/XX/XXXX I contacted XXXX to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? XXXX XXXX received agreed payment for {$2000.00} from a credit card. Mercedes sent me a letter stating I am in the clear an XXXX will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I went on my credit reports and saw a lot of inquiries that were unrecognized.

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I went on my credit reports and saw a lot of inquiries that were unrecognized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I have documentation promising I would receive a {$25.00} statement credit for my first purchase for opening my credit card. There have been two billing cycles and no such credit. I contacted the company twice and was told I should receive it soon and have not. I feel I was misled, lied to and taken advantage of by this false advertising. I would not have sacrificed a credit lookup if it were not for this promotion!

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 monetary relief
Consumer complaint received 2020-01-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XXXX Navy Federal Credit Union repoed my vehicle. I was past due on the loan. Unfortunately, I took the loan for my Mom who defaulted and it was a hard lesson learned having it on my credit. 
They sold it at auction and my remaining balance is a little more than XXXX. For a while I was able to pay on it but I fell on hard times after and wasnt able to pay. After a few years it fell off my credit report and it hasnt affected me. 
Recently, I looked into re- establishing my membership there. My now fianc is in the navy and it makes things much easier to have an account there. I applied, and I got a response about my name being different than what they had on file. I explained I was once married however I was divorced but I NEVER legally changed my name. They explained I could complete a form to show my name was never XXXX and to show my divorce papers, and government issues ID and I could re establish my membership. 
I went into the bank to have a temporary check printed and Im told they are closing my account. The representative said the account is being closed because of a repossession you had with us. I explained it was back in XXXX and its now XXXX, Its 13 years old! 
They are wanting me to pay this loan after they have written it off, received a tax write off from the IRS! 
Now FDCPA. Law in Florida is 5 years and federal is 7 and we are at 13. 
They can not legally collect on this debt any longer. They are trying to do so!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/20 I received a letter via US Mail from Chase Bank telling me that on XX/XX/20 they have closed all of my long time accounts with them. The letter does not list a reason. I called their Compliance Unit at the phone number given and was told that they will not tell me the reason that my accounts were closed. I had two checking accounts, one savings account and one Trust account with Chase Bank and all have very high balances. No bad checks and no outstanding fees. Total balance in all accounts is {$970000.00}. I have been with Chase years since when my accounts were carried over from WaMu. All of my life savings are tied up at Chase. Including my SSI direct deposit. This situation has created a hardship for me. I was thinking about moving my money to XXXX XXXX but after doing some research I find that CFPB is investigating them for doing the same exact thing that Chase is doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
My Experian credit file shows an unpaid collection account from " Radius Global Solutions '' in the amount of {$380.00}. The original creditor was XXXX XXXX. 

Radius Global requested this entire Trade Line be deleted from both XXXX  and XXXX XXXX last year. The reason being that XXXX took the account back and it was handled internally thru an entity called XXXX. I paid the account IN FULL to XXXX/XXXX with the understanding the account owner XXXX / XXXX would not list it as a collection and it hasn't been ; before that happened Radius Global ceased having account in its portfolio because it went back to XXXX and they requested TD deletion in XX/XX/2019. 

The Radius Global trade line was DELETED XXXX XXXX however XXXX  continues to list it on my file as a collection and even worse, unpaid account. I filed a formal dispute with XXXX ( XXXX Dispute report number is XXXX ) and submitted documentation to show that this account had been paid in full to XXXX/XXXX directly along with correspondence from XXXX. In the dispute report I also stated Radius Global is no longer the owner/reporter of the account. 

The Experian Dispute report number XXXX returned as VERIFIED and UNPAID, even with my supporting documentation -- receipt showing paid in full to XXXX and Correspondence from COX. I contacted Radius Global today after the Experian results came in and XXXX XXXX XXXX CONIRMED they submitted a TRADE LINE DELETION request last year, XXXX 2019. He told me he would escalate the matter to his own supervisor, XXXX XXXX and agrees XXXX should have been deleted from both Experian and XXXX as they no longer hold this account in their portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
1. I logged into the Citibank app to make my payment on XX/XX/XXXX ( my due date ). The app showed that the minimum payment due was zero and balance on the statement generated on XX/XX/XXXX was also XXXX. Screenshot attached. So I didnt make any payments. 
2. I tried using my card out of the country and also after returning back to the US ( on XXXX, XX/XX/XXXX ) and several other occasions. The card was being declined. 
3. I got a debt collection call from Citibank mid XXXX ( maybe XX/XX/XXXX or so ). I was furious that my account was marked delinquent for no fault of mine. I was asked to make a payment immediately and I refused as I was not due until XX/XX/XXXX for the next payment. I also asked for a complaint to be raised. 
4. Till date no action has been taken on my complaint and no one has reached out to me. 
5. I called again and an agent offered to waive my late fee and interest charges for XXXX. 
6. I faced the same problem earlier in the year where I was showed a zero balance but was charged a fee. I talked to an agent for a long time and that was resolved by refunding my account. This is a repeat occurrence.

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 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
amex closed my card when my sick  veteran husband was in hospital and passed. i want my points and card reopened asap. heartless to vets

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lamont, Hanley & Associates, Inc.
State: FL

Complaint narrative:
I received a bill from XXXX XXXX ( XXXX XXXX XXXX XXXX ) for {$52.00}, which I paid on XX/XX/XXXX, when I was made aware of the balance due. On XX/XX/XXXX, I received a debt collection notice dated XX/XX/XXXX from Lamont , Hanley & Associates demanding payment for {$52.00}. Although the debt was paid in full, XXXX XXXX ( XXXX XXXX XXXX XXXX ) still referred me to a collection agency. This is not in compliance with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: OR

Complaint narrative:
There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, Equifax and XXXX  and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regarding Account Number : XXXX Mortgage Company : XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, SC XXXX In XX/XX/2019 we were advised from our Mortgage Company XXXX   that our loan had been sold to XXXX XXXX/XXXX XXXX XXXX. Payment was made on XX/XX/XXXX to XXXX XXXX ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted XXXX XXXX upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). XXXX XXXX says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted XXXX XXXX 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.

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 2020-01-09 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: OR

Complaint narrative:
There are two companies : XXXX  XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote XXXX, XXXX and Transunion and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.

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 2020-01-09 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: OR

Complaint narrative:
There are two companies : XXXX XXXX XXXX XXXX XXXX I have never ever had a relationship with these two companies. 

I wrote Experian, XXXX and XXXX and they continue to persist. I told them, I never had a relationship and I never signed any agreements with these companies. 

I sent my letters certified to the bureaus.

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 2020-01-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief