vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Roquemore Holdings LLC
State: TX

Complaint narrative:
My wife received a phone call from her ex husband stating that XXXX XXXX with XXXX XXXX XXXX debt collection agency stating that I owe money and that they are going to sue me and take my car that I paid in full. XXXX XXXX then called my wife and told her that they are going to call my job. She was very rude and aggressive. 
This is against the law. 
This agency is not bonded to collect in my State Texas they are in violation of the Texas Finance Code

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
We have lived in and made our house payment for 20 years. 10 years ago we filed bankruptcy but kept our home. Since then we have gotten ourselves back on track and rebuilding our credit. We set up automatic draft so our payment would never be late or overlooked. The mortgage company we had was awesome throughout the process. Last year, our mortgage was sold to Specialized Loan Servicing LLC. As we had before, we called to set up automatic draft. We were told because we had bankruptcy their company did not allow us to participate in automatic draft. It doesnt hardly seem fair that just because we fell on hard times in the past we should be punished 10 years later! Meanwhile, we mail payments which they now want to say are late and one time even returned our check cut completely and perfectly in half with a note stating they received it damaged when clearly they had sliced it in opening the envelope. I just want to know how they can prohibit people who have filed bankruptcy from being set up on automatic draft. Seems like discrimination to me and I dont appreciate it one bit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Finance Co, LLC
State: TX

Complaint narrative:
Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXXXXXX CST. XXXX XXXX stated I had a car repossessed in XX/XX/1997.

I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. XX/XX/1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2014, the bailiff threw me out of XXXX XXXX XXXX XXXX XXXX, XXXX, OH. I lost everything. I WAS DISPLACED. THAT MEANS I WAS CONFUSED. I moved from motel to motel. I never could finish anything.

Finally i '' m working on my credit.

I want to pay half of account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
First off, thank you for your consideration.

I check my credit score using XXXX XXXX, and in XX/XX/XXXX-XX/XX/XXXX I noticed my credit score was extremely low. This was mainly due to 85 % utilization on a Capital One Credit Card. Unfortunately, I do not and have never had or owned a credit card from Capital One. I contested it, and it was ruled to be my debt ( although they did reduce the effect it had on my credit report, knocked it from 85 % credit utilization to 55 % ), however that is not good enough. I have never had an account with capital one, nor a credit card, and XXXX, XXXX, XXXX will not help me in this matter. Since it is a credit and not a debit card, I assume that whoever owns the account that is under my name is signing for purchases ( or has in the past ). Usually debit requires a pin, while credit requires a signature, so there has to be some proof out there that this isn't me.

I've managed to bring my credit score up 105 points in a year and I continue to pay my bills on time and do what I can to repair my credit. However, this mark on my credit is causing a huge hit and preventing me from getting a revolving credit account which would help further my score and get me where I need to be. I have no knowledge of this Capital One Account and I have never owned a Capital One Card, and I would like this matter investigated if possible and the tarnishing mark removed from my credit. I have reached the end of the dispute process with the three major Bureaus and they deem it my debt, however I do not understand how as I have never used a Capital One Credit Card in my life.

I really need assistance in this matter. Any help offered would be greatly appreciated. Again, I apologize for the reiteration, however I don't believe its fair for me to have to pay off a debt I didn't incur. I feel the agencies didn't due their due diligence when investigating the matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had received a promotion in the mail from Chase offering {$500.00} to open a checking and savings account with the exception of having XXXX in savings and direct deposit in checking ( {$25.00} ) in which i followed through and provided a check in the amount of {$15000.00}. ( XX/XX/2018 ) The account was set up at Chase ( XXXX XXXX ) XXXX Texas location and was given a direct deposit slip to provide to my employer. A few days later I receive a letter stating they would be closing my accounts so I went to the branch office and spoke with the branch manager ( XXXX XXXX. XXXX XXXX he called Chase to see the reasoning behind the issue and stated they do not have to give an explanation or reason as to why they have chosen to close the account. This has made me very upset and feel as if they have provided false advertisement and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I did my income tax return for XX/XX/XXXX, in XX/XX/XXXX this year. The IRS sent me a check for {$6000.00}. I deposited the check via electronically with my bank ( USAA ) at the beginning of XX/XX/XXXX. The check cleared and the funds were added to my account. After confirming that the funds were secure by checking my account, I wrote " void '' and the conformation number across the check. On XX/XX/XXXX, my wife alerted me about money missing from our account. I panicked and called my bank ( USAA ) to investigate.

The first customer service rep that I talked with told me that the money was pulled from my account because some of the numbers on the check was blurry. She stated that I could try to rescan the check. I told her that I have voided the check once the funds were in my account. She suggested that I mail in the check with a letter stating why it has been voided, or I should contact the IRS and ask for assistance.

I contacted the IRS, who advised me to handle the situation with my bank ( USAA ) because if they start their process it would take at least three weeks to resolve the problem.

I contacted my bank again. The second rep claimed that they could not do anything because the check was voided. I explained to her, that the funds were in my account for over a month, and they know why the check was voided. Her attitude was already nasty, as I explained her answer was different from the other rep that I talked to. I asked to speak with a supervisor.

I was put on hold until a supervisor was contacted. The supervisor talked with more clarity. She explained the situation and said that the only way to resolve the issue was through the IRS. I explained that I felt very disappointed about the situation and the treatment that I was given. I also explained that I am a XXXX United States soldier who was depending on the funds to help me XXXX from the military. I also explained that I do not think it was fair that no one had contacted me before taking funds out of my account that had been there for over a month. Instead of an apology, she tried to shift the conversation to try to sell me some assistance transitioning program advertisement. I politely declined, then contacted the IRS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
There is an inquiry on my credit report from Wells Fargo, I called to dispute and was told they received the application drom XXXX XXXX. I called Lending tree and they said they don't work with Wells Fargo and that was an error. I just want it removed as I did not give permission for Wells Fargo to do a credit inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear XXXXXXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( XXXX, XXXX, and Equifax ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( XXXX, XXXX, and Equifax ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( XXXX, XXXX, and Equifax ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear XXXX XXXX : I apologize for contacting you but since I could not get my situation resolved through normal process. This is regarding an old checking account. I am requesting that this account be deleted from all 3 major credit bureaus ( Experian, XXXX, and XXXX ). The balance of {$160.00} was paid in full over a year ago. I realize that the account was overdrawn but I paid it like within a month. I also had similar thing happen with XXXX and they never reported anything to any credit bureaus. They only reported to XXXX. Same thing with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX or any other bank checking account, they will only report an overdrawn checking account to XXXX and perhaps XXXX XXXX then once account is paid they mark as paid in full. XXXX is the only bank that will report an overdrawn checking account the 3 major credit bureaus and refuse to delete after debt is paid. I did some research and I can not find another bank that will report overdrawn checking account to the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I am not satisfied with account being marked as paid in full. I also want it deleted completely from all 3 major credit bureaus. XXXX should follow the lead of other banks. XXXX is already getting a bad reputation in XXXX market and if you dont believe me then please read online reviews. I also want to make a complaint about the branch manager XXXX XXXX. She is very unprofessional and she is dishonest about bank practices. She was trying to convince me that because FCRA that is reason that account can not be deleted from the 3 credit bureaus but that is not true. XXXX can easily delete if choose too. Like I mentioned XXXX is only bank that will report an overdrawn checking account to 3 major credit bureaus and then refuse to delete even after its been paid. I am asking for your assist please in getting a small debt that has been paid in full deleted from credit bureaus ( Experian, XXXX, and XXXX  ). If XXXX continues to refuse then I will also be forced to file a complaint with Federal Trade Commission and I will also go to my local media. Perhaps XXXX needs to be brought to the publics eye so that consumers know that XXXX is practicing in unfair practices that no other bank does. XXXX also indicated they contacted me or attempted to reach me that is no true. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I've tried to settle with Bank of America myself regarding 2 transactions that have been reversed on my account. First amount of {$2500.00} on XX/XX/2018 and {$7000.00} also on XX/XX/2018. These transactions are valid for goods that were purchased by the user. The transactions were made on a 3rd party marketplace. I have provided all the evidence to the bank ; however nothing has been done to resolve the issue. I am a preferred platinum honors client and they frozen my account several times and caused many transactions to fall through in which I was left paying the fees with other institutions. The user that initiated these transfers is trying to scam me out of the money by reversing their payment and claiming fraud. I've attached all supporting documents that I faxed over to them. Please assist me in making this correct! 

Thanks, 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 monetary relief
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
This morning I logged into the Experian website to lift my security freeze. I lifted it from today XX/XX/18 through Friday XX/XX/18. I was curious if it actually lifted this time as in past times they charge me but don't lift the freeze. I got a confirmation - see attached, I then looked at my credit card statement and they charged me to lift the freeze - see attached. My bank called me about 6 hours later and stated they still can not view my credit report as it is still locked. I spent an hour on hold ( yet again ) calling several different numbers, but still Experians excuse for customer service, refused to even answer the phone. I've been defrauded of money. They have purposely and willfully stolen money from me and refused to provide a service for what I have paid. Due to their malfeasance, I have lost a business opportunity and a loan. I should hire an attorney and sue them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
After having XXXX XXXX off my account back in XXXX, Ive realized Equifax failed to notify me within five days of re-inserting a previously deleted item. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: TX

Complaint narrative:
WERE DISPUTED WITH EQUIFAX ON XX/XX/2018. I DID NOT RECEIVED ANY REPORT BACK FROM EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The debt was back in XX/XX/2012and should have been resolved by now and the debt was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX about 16 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: TX

Complaint narrative:
CRA VIOLATION. WERE DISPUTED WITH TRANSUNION ON XX/XX/2018. I DID NOT RECEIVED ANY DOCUMENT BACK AFTER 30 DAYS. THAT IS A SERIOUS VIOLATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: FL

Complaint narrative:
I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: CT

Complaint narrative:
I had 3 prior loans with the company. I was in the process of applying for A new loan of a higher amount. When asking questions about interest and pay off dates I realized that they may have overcharged me when I paid off the previous loans. I provided the dates the loan amounts and the pay off amounts so that they can help me understand the interest rates. They would not acknowledge my complaint nor would they provide me with documentation when I asked. They charged me 30 % interest when i should have been charged 15-16 % because I paid my loans in 7 and 8  days. 30 % interest is if you pay in 14 days. 30 % of XXXX is XXXX, which is a payment of XXXX in 14days. I paid XXXX for each loan ( 3 total ). I paid in 7/8 days so my payment should have been about XXXX for 2 loans and XXXX for 1 loan.

Company response to consumer: Closed with explanation