vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I had recently applied for a store credit card ( with Cabelas ) partnered with Capital One. 

My application for credit card was denied per their letter dated : XX/XX/2019 Application ID : XXXX The reasons stated are very vague -- there are 5 reasons stated in the letter ( see the attached denial letter ). 

I am questioning their ( Capital One 's ) methodology regardless of the good credit bureau ( XXXX XXXX   credit report/score ). 

They need to be more specific in their denial and prove how I could be a high credit risk for this company. 

I have 30 year long and impeccable credit history with significant assets. And if this company is going to deny my application for credit then I need to understand, the public needs to understand and the FTC needs to understand the workings and short-comings of this process. 

I also wonder, if a person with good financial standing can be denied credit then what would be the plight of people who are not impeccable in their financial standing but in need of credit. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Credit Solutions
State: MO

Complaint narrative:
This car was a lemon the transmission went out after 1 month of me having it. This company refused to work with me to get the car fixed. They wanted me to pay for it myself. They wouldnt even put it on the back end of my lease. I continued to pay while trying to get it fixed, Eventually I told them to pick the car up because I cant use it. I discussed with her that when I return this car I will no longer have anything to do with it and I dont owe you all nothing because this car was a lemon she agreed and came to pick the car up. It was never repoed but they are reporting it that way and they continue to report missing payments to this day

Company response to consumer: Untimely response
Consumer complaint received 2019-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My current credit card report shows me having late payments since XX/XX/2014which were not my fault. 

Many times I ould go into a XXXX XXXX branch to make an equity line payment only to be told by a teller that I don't owe anything. Then I would start receiving harrassing phone calls from XXXX XXXX telling me I am delinquent ... so I would go back to the bank only to show I owe for 2 months I never logged a complaint as I never looked into my credit report until fall of last year. 

Just recently this I went into a branch and had the teller tell me I didn't owe anything once again I went back a week later to speak with a banker. She looked into her " banker '' system and showed me delinquent owing for 2 months ... She then looked into the " teller '' system and showed me owing nothing. She made a copy of boths screens for me a proof and also helped me log a complaint with XXXX XX/XX/XXXX. 

There are obvious errors occurring on their banking system Its been over 2 months and still zero response

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 2019-08-02 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This information was on my credit report as a hard inquiry and I did not request anything. 

SYNCB/WALMART PLCC Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX SYNCB/PAYPAL Inquiry : XX/XX/2019 Travel/Entertainment ( XXXX ) XXXX Institution Information SYNCB/PAYPAL XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I paid off a lease and bought a XXXX XXXX from GM Financial in XX/XX/XXXX. Months later I received multiple calls about owing them {$190.00}. I asked to receive an itemized invoice of what was owed, and stated that I would pay it if appropriate. I received multiple explanations over the phone, including the first representativee I spoke with telling me it must be a mistake ( which I thought plausible with this company as it took me 4 months to get the title - I will not detail that runaround ), to I can't tell you what it is for, to it is for property tax paid on my behalf ( yet they were not able to tell me who they paid the property tax to and for what period of time ). To this date I have not received any documentation as to whom they paid or for what time period. I moved to XXXX, VA in late XXXX and paid a property tax bill from them last year and I shared those details with GM Financial. I have attached an account statement from XXXX, XXXX saying my balance with GM Financial was {$0.00}. It was after this time that I began to get calls demanding payment. I have also attached the limited invoice that I ultimately received in XXXX, XXXX, and to which I begrudgingly paid, that still had no detail as to why I owed them money. Nonetheless, GM Financial reported my delay in payment to credit agencies earlier this year, negatively affecting my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I received notice today that my credit limit has dropped by {$3600.00} which has negatively impacted my credit score. As far as I knew, my credit card was paid off in XX/XX/2019 When I called synchrony bank I was told I had a past due balance of {$2.00} for several months. The amount increased to {$6.00}, which I received a notice about last week and paid online. I was shocked to find out my credit limit would be dropped so much for {$2.00}. I was told back in XXXX and XXXX my payment was late. I called back when that happened and let them know one of my children committed XXXX and they worked with me. I don't understand why 8 months later they would decide to drop my credit limit due to this. I have made payments on time and paid off the card several times.

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 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
XX/XX/2019 Capitalized Interest {$3100.00} They state I owe more in interest. I am financially struggling and can not afford to add more to this loan then is already being asked for. 
I make my payments monthly on time by income driven request but now they tell my it is enough to allocate to the payment and interest. Where are they applying my money. 
I want to stop paying because it is a struggle and totally stressful not to see the balance got down at all. I am XXXX years old and on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER 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
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I made some purchases online with a merchant name XXXX XXXX. the merchant receive over {$4000.00} worth of transaction using my TCF bank card. the merchant never render services nor ever send the merchandize I have order, I try to contact the merchant several time and no response at all, after some research I found out that the merchant not licensed nor is authorize to accept client from the usa nor usa citizen, that is a red flag that TFC fail to see. I have file a dispute with my bank TCF BANK several times and they fail to resolve the claim in my favor due to services not render or fraud merchant. 
my understanding is that always consumer is protected under those circumstances. 
therefor I would like to file a complaint against TCF bank for not resolving my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NC

Complaint narrative:
On XX/XX/2019 I used my Capital One credit card ending in XXXX to pay for a reservation to XXXX XXXX XXXX that I have made on XXXX. Since I arrived at the resort it has been a nightmare experience from the rooms not being as advertised, to the resort refusing to give our money back to us if we agreed to check out. While at the resort I first contacted Capital One about the issue on XX/XX/2019 the representative said they would take care of the issue once the charge posted to my account. Fast forward to XX/XX/2019 I called Captial One to begin the procedure of disputing the charge to the account. The representative for Capital One assured me that I would not have to be responsible for this charge and that they would take care of it. The repersentive informed me that if they needed anymore information that they will ethier call me or send me a letter in the mail. I havent received anything from the company so I figured every thing was good until XX/XX/XXXX. On XX/XX/XXXX Capital One rebilled my card for XXXX. Upon seeing this I called Captial One to find out why I was rebiled for this charge. The first repersentive I talked to said that I did not provide enough evidence for them to move forward with the investigation she said that I would have to send a rebuttal since the resort responded to the dispute and I would also have to send a cancellation notice. I told the repersentive that I would not have a cancellation notice because the resort refused cancellation. So I sent Captial one what I had which was proof of the actual booking, my statement and pictures of what I was advertised and what I actually received. I was then notified by Captial One that with out a cancellation notice they refused to do anything about this charge on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
SINCE CAPITAL ONE DATA BREACH MY 2 CAPITAL ONE ACCOUNTS ARE MIS REPORTING ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: OK

Complaint narrative:
I am totally XXXX and requested TPD discharge of my student loan. I was approved about a month ago. Today I checked my credit report. They have moved it to closed, but have not changed the amount owed or removed the collection account notation. I called PHEAA. They say my claim is still processing, to call XXXX. XXXX says its approved and PHEAA has what they need. They told me that a month ago. PHEAA told me they wouldn't change anything on my credit report, that it will drop off in 9 1/2 years. My credit report amount owed is {$10000.00} more than the amount owed on my statement each month ( the amount that was forgiven )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER 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 explanation
Consumer complaint received 2019-08-02 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: AL

Complaint narrative:
An account was fraudulently made with MoneyLion using my information. I became aware of the loan once I saw my credit being affected, and immediately filed a dispute. The dispute was dismissed by MoneyLion saying the lending information was correct. I have tried calling MoneyLion and emailing the company with no success. They will not contact me back to resolve the issue. My credit has taken a significant hit due to a {$500.00} loan someone took out using my information. I need this issue resolved and my credit restored. I know others who have had the same issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went to transunion.com and logged into my account there. I tried to access my credit report however there was an error and it suggested that I contact their customer support. 

I called their customer support at ( XXXX ) XXXX-XXXX and reached someone with a very heavy accent that I could not understand. I decided to hang up and call back again. I dialed back and this time the person had a very thick XXXX accent. I again hung up and called back a 3rd time and I was able to understand the representative 's accent. I proceeded to ask the rep what country is the Transunion customer support located in. He told me they are located in XXXX XXXX. 

Social Security numbers are our most valued cherished number we have. You only get 1 in your lifetime. For a major bureau to have their support located in a 3rd world country and for them to insist for me to give them my Social Security number or they can not help me is very un settling. Is TransUnion trying to follow XXXX and give out everyone 's Social as well?

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 2019-08-02 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: PA

Complaint narrative:
The CRA, Experian after receiving my investigations regarding The Bureaus Inc did not comply with the laws regarding my rights regarding disputing inaccurate and unverifiable information. 

The Bureaus Inc did not provide information - statements alone do not meet the Act 's ( FRCA ) definition of validation - that would validate the item ( {$910.00} collections ) appearing on 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 explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: KY

Complaint narrative:
I never received an initial bill, and it was sent to collections for {$18.00}. Absolutely ridiculous. I also never received any phone calls or voicemails to ensure I received my bill before it was sent to collections. For such a low amount one would believe the company would call to ensure I got it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Chase to request a loan payoff quote, valid for 45 days, for my primary mortgage. I was told that a work order had to be created, and I would receive the quote in 7 business days. On XX/XX/XXXX, after not receiving the payoff quote, I called Chase. I was told it was done, and that I should receive the payoff quote by XX/XX/XXXX. After not receiving it on the XXXX, I called again. This time I was told they had to send a work order. I then asked to receive it by email and was told that it would be requested. Four days later, on XX/XX/XXXX, after not receiving it by email, I called. I was then told they could not send it via email, but that it would be sent by regular mail. I was also told that I could go to a local Chase branch to have it printed out. I went to the Chase branch on XX/XX/XXXX, and a payoff quote was printed with a expiration date of XX/XX/2019 ... not the 45 days I requested. Furthermore, the payoff quote was incorrect as it reflected a PRA principal reduction amount that has been in forbearance for 6 years. Later that day, I called Chase to explain again that I needed a payoff quote valid for 45 days. I also explained that the PRA principle reduction amount in forbearance should be removed as my account has been in good standing for over 5 years. I was told I would be sent a new payoff quote, but the PRA forbearance amount would not be removed because my mortgage is not an FHA mortgage. I explained that according to the IRS an FHA mortgage is not required to have the forbearance amount reduced to XXXX after 3 years of keeping the account in good standing. I am still waiting to receive the payoff quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE ACCOUNT AND INQUIRIES LISTED DOES NOT BELONG TO ME. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED OFF MY CREDIT FILE. THIS ACCOUNT HAS HINDER MY REPORT AND I WOULD LIKE THIS OFF MY FILE.

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