vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2020 I bought a snake rack from " XXXX * XXXX XXXX   XXXX '' at a price of {$770.00}. 

XX/XX/2020 I recieced an email stating that the business will be shutting down, and I will no longer be recieving my product. I was informed to dispute the charge with my credit card provider by " XXXX   * XXXX XXXX XXXX '' to get my money back. 

XX/XX/2020 I disputed the charge with Capital One ( my credit vard provider ). They credit my account the {$770.00}. 

XX/XX/2020 I recieved a letter from Capital One saying that charge was authorized by me and they are going to recharge my account for the total {$770.00}. Yes, I did authorize the charge but the issue is me not receiving the product that I bought. I am informed that I can appeal the decision but I have to mail in extra information by XX/XX/2020. 

I printed the email from " XXXX * XXXX XXXX XXXX '' telling me to chargeback my amount. Typed up an explaining with everything the letter from Capital One wanted. I mailed everything on XX/XX/2020. 

XX/XX/2020 I have heard nothing back from Calpital One, I gave them a call and spoke to a representive that said they have recieved my letter last week ( I can not remeber the day she told me ) and that my case was in queue for MasterCard process. 

XX/XX/2020 I called Capital One to talk about my dispute. I was informed that they recieved my letter to late and that a letter was mailed out on XX/XX/2020 to inform me of this, 8 days later I still have not seen this letter. 

I orginially opened this dispute because I was told that I would not recieve the product. Capital One then precede to contact " XXXX * XXXX XXXX XXXX '' asking if it was a authorized purchase, then they basically closed the case on my and not I am out almost {$800.00}. 

They told me to contact " XXXX * XXXX XXXX XXXX '' but they do not have a working website any more, no working email, and no working phone number. How am I suppose to contact a business they has no means to be contacted by.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gatestone & Co. International Inc.
State: IN

Complaint narrative:
I'm receiving calls every day and multiple times a day from the following number, XXXX. Back in XX/XX/2019, I answered the call and told them to take my number off their calling list as the person they asked for was unknown to me. The woman told me she would do that. The calls stopped for a few months but have now started up again for the past two weeks, non-stop. Today at XXXX, I answered. No one spoke and they hung up. I called the number back and only get recordings saying they are XXXX XXXX, a collection agency. I'm unable to leave a message or speak to anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive had a capital one XXXX card for a couple of years with a credit limit of {$500.00}. Ive requested a credit line increase as I am a small minority owned business and using credit is a critical part of establishing business credit. I have been declined for a credit line increase despite my good payment history. Capital one is not giving me an opportunity to build my credit history when in fact that was the point for establishing credit with them according to their marketing and advertising of the Spark Business Card. I feel they were deceptive and selective about business they give more credit to. My XXXXy does $ XXXX per year in the XXXX business. The current {$500.00} credit limit doesnt even allow me to fuel one of my vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: CARD Corporation
State: MA

Complaint narrative:
I had XXXX plus the fees stolen from my card account I had filed a fraud dispute and I was promised that I would receive my money refunded and card.com refuses to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX I open a dispute with Equifax. In the dispute I requested Equifax to investigate 3 accounts that are being displayed on my credit report. The accounts in question are as follows : All accounts listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. Under federal laws and FCRA guidelines Equifax was given 30 days to verify/validate the accounts or they shouldve been removed. It has now been nearly 3 months and those accounts are still under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America, back in XXXX/XX/XX/2017, The atm took My cash and Then gave me an ERROR code stating that there was an issue and I should call the number on the screen. I did that and explained that I put {$100.00} bill in to the ATM but got an error code. 

I was told I had to wait till the bank opened on the following Monday for them to count the money in the machine and credit my account. 

On that Monday I called and they stated that they dont open the machine daily but I would have to wait till Thursday. 

This game went on with Bank of America for WEEKS! I was then told by one of Bank of Americas NASTY reps that I committed FRAUD and must have stuck Paper in the ATM instead of actual money!!!! 

After a MONTH of their investigation it was found that your ATM malfunctioned!!! Nothing I had done wrong .... I was given my money BUT then they turned around and CLOSED my account for Their ATMS issues. 

Which was fine by me because I was fed up at this point. 

Here we are 3 years later ... I am unable to open up a Business checking account with ANY bank ... why ... Because Bank of America listed my account as suspected Fraud!!! 

This needs to be fixed NOW!

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 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi BestBuy, how are you? I love you guys, but i don't know what happen between XXXX to XXXX with the payment. I just opened this account back in XXXX and i been paying on time. I have to be honest that I was shocked when I reviewed my credit report and found late payment mark on my credit in XX/XX/2020 during this COVID-19 pandemic especially when i been laid off for like 4 months now. 

Basically, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Synovus Bank
State: MS

Complaint narrative:
First progress wasnt reporting correctly on my credit to much different information, that never matched. They closed my account without my knowledge now its messing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northern Arizona Creditors Service, Inc.
State: AZ

Complaint narrative:
None of the responses work, I have a medical debt that the collection agency will not take off my credit report and they keep extending dead line

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Ive been building my credit and tracking my credit daily with XXXX XXXX, XXXX XXXX, and XXXX. All of these show different scores. XXXX XXXX and XXXX XXXX shows XXXX and XXXX shows XXXX. I tried to get XXXX XXXX for a medical procedure and it denied me and said my TransUnion credit score was XXXX ... these are 100 point differences between each company. I called TransUnion and they referred me to you guys. Im not sure why this would be, but Im trying to build my credit to buy a house and car and I really needed XXXX XXXX for this medical issue. Ive paid off EVERY delinquent account I had over the last year and my score has been steadily rising. It hasnt been at XXXX for over a year. It also shows a medical account that was delinquent and sent to collections on some but not others. And that was sent back to XXXX XXXX and is getting resolved through them. I submitted claims through the credit bureaus for that and it got taken off of some but not others. I just want it to get fixed and my actual score to get sent to XXXX XXXX because if I try to reapply and it shows that incorrect score again its just going to negatively effect my score. The score sent to XXXX XXXX was from TransUnion, Im not sure what XXXX XXXX or credit wise use, so Im not sure if it involves JUST TransUnion or all 3 reporting agencies.

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 2020-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
There appears to be a RESPA violation with XXXX XXXX of XXXX XXXX XXXX XXXX out of XXXX requiring all potential buyers of her listing to cross qualify with XXXX XXXX of Cross Country Mortgage. Upon research by my agent, it has been discovered this has been going on since 2014 on her listings. Since this appears to be directed by the listing agent, and not the seller as it would appear to be too coincidental that all of her sellers would be recommending a cross qualification with XXXX XXXX without the solicitation of XXXX XXXX, that there is something going on behind the scenes whether it be a kickback, or promise of business, or even financial consideration. I was required to cross qualify and after our offer had been accepted XXXX XXXX came back and said he did not like our buyer 's ability to obtain financing. At this point the offer was already accepted, and XXXX XXXX at the direction of XXXX XXXX breached our contract by having her seller 's sign a unilateral cancellation. It appears the relationship with XXXX XXXX also is in place to try and find loop holes in case better offers come in, something which does not work in California in regards to fully executed real estate contracts. Because of the relationship with XXXX XXXX, XXXX XXXX and their preferred escrow XXXX XXXX, the contract is stalled until further action is taken. I am approved and ready to go with XXXX XXXX, and buyer 's can not be forced to obtain financing through a specific lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: VW Credit
State: GA

Complaint narrative:
Unusual notifications/responses from crediting checks. ( XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I have paid off 10 of the 11 loans I co-signed but Njhesaa wont notify the 3 credit bureaus as accounts paid. I contacted them by letter but they wont respond because the accounts were in collections. I sent the paid letters to the 3 credit bureaus, and when they contact Njhesaa to confirm accounts are paid, Njhesaa just keeps responding the accounts are in collections.all I want them to do is confirm accounts are paid and notify credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent a letter to Transunion on XX/XX/2020 to dispute 4 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Transunion has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.

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 2020-06-22 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: TX

Complaint narrative:
print iconPrint Your Report Potentially Negative show XXXX  button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXXXXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc

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 2020-06-20 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: CarMax, Inc.
State: AR

Complaint narrative:
I RECENTLY TRIED TO BUY CAR FROM CARMAX, I AUTORIZED THEM TO PULL THEM AND XXXX  XXXX XXXX XXXX TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD XXXX XXXX DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM XXXX  XXXX AND 1 FROM CARMAX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
The Loan Mart lied to me and did not disclose the interest rate or fees on the loan when I obtained the loan. Nor did they disclose it after several times of asking them. When they finally did after several months it was 122 % added daily. They would not give me copies of the loan papers either. I tried several times to work this out with them, when they agreed after many many negotiations to lower the interest rate and charge me a still somewhat high interest rate, and the original loan amount, they once again lied and tried to snooker me again. They sent me new papers to sign which was at a higher interest rate than we agreed upon, and they added XXXX to the loan amount! 
I did not sign these papers. These people are liars and cheats. They have cost me so much money, and time, and frustration. 
I was willing to work with them on a reasonable basis, but they just kept lying and trying to cheat me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
We are in the process of refinancing our current home loan that is with XXXX XXXX. We are refinancing with XXXX XXXX XXXX XXXX. They use XXXX XXXX XXXX. However, in the title search processing, it was discovered that an old loan ( XXXX ) that we had with U S Bank NA, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX MO XXXX has not been properly released per the Recorder of Deeds in XXXX XXXX County. We paid that loan off in XXXX XXXX XXXX. 

The Deed of Release for the XXXX payoff was improperly worded. Instead of releasing the actual title, U S Bank release the Assignment of the Deed of Trust that they had with XXXX XXXX. 
The document that U. S. Bank needs to correct is the XX/XX/XXXX Deed of Release. They released XXXX XXXX but they did not release us. The loan was completely paid off on XX/XX/XXXX. 

We contacted them via email ( see attached response from U.S. Bank department of Purged Releases. This was on XX/XX/XXXX. We also contacted them on XX/XX/XXXX and they told us they would get back to us asap. We have heard nothing from them. 

We can not get a refinance loan until they correct the Deed of Release, dated XX/XX/XXXX, and completely release us from this loan. In fact, we can not sell our house if we wanted to until U. S. Bank corrects the mistake that they made.

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 2020-06-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent a letter to Equifax on XX/XX/2020 to dispute 5 items on my credit report. The items are either inaccurate or unverifable. It has now been 50 days and Equifax has not replied to my dispute and/or deleted the items from my credit report. This is a violation of the FCRA 's time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that due to the pandemic we COVID-19 the  world is facing now my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Hello i filed for bankruptcy chapter XXXX and i was discharged so i called gateway one financial services and volunteer surrender the vehicle that was purchased XX/XX/2017 account number XXXX. This contract was between me and Gateway one and was discharged in my chapter XXXX. I never signed reaffirmation contract to continue paying the debt. Now im receiving this letter from Santander Consumer USA attempting to collect the debt when this debt was discharged. I never agreed no reaffirmation contract or clause and this is affecting my credit santander has put a derogatory remark and i would like this to be removed. I called there office provided case number and they said you're correct you have no legal obligation to this and i still see my credit being affected. I need santander to start doing business right and removed me from this account number and stop sending me mail. i never signed anything with santander. I called santander with the same issue over 7 times and they dont undertsand im protected by bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit is in violation of the FDCPA. The are also in violation of the Fair Credit Reporting Act. Under 609 Section of the Fair Credit Reporting Act I disputed this debt against XXXX XXXX  and the validation proof of debt owed and they had to remove from my credit report due insufficient evidence of debt. XXXX now has sold the debt to National Credit who is reporting falsifying information on date account opened, never has notified me nor can reopen a debt already sufficed has false. National Credit can be sued under FDCPA in State and Federal Court for damages and false reporting. Delete immediately from my credit report of all three credit bureaus.

Company response to consumer: Closed with explanation