vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
We purchased 2 tickets to travel from XXXX, IL to XXXX, XXXX on XXXX. The travel date was XX/XX/2017 to XX/XX/2017. XXXX cancelled this trip due to the company insolvency. We did our best to resolve issue with the company, but there is no response. We also filed a case with credit card insurance company, but insolvency is not covered by them. Our credit card issuer is a major bank so we expect it to have more power in resolving this kind if issue compared to our individual power, but the bank declined the credit card dispute we initiated.

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 2018-08-19 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: MS

Complaint narrative:
I opened a capital one secured Master Card credit card account in XX/XX/2018 to reestablish my credit. I put up a {$420.00} deposit, and got a {$570.00} credit line. The agreement with the credit card company is after a time the consumers deposit would be returned in the form of a statement credit, if the account was in good standing. MIne has been in good standing for 6 months, never missed a payment and the credit card company just issued a {$300.00} additional credit line, making the total credit line of {$870.00}. I called today ( 5 times ), to speak with different represenative ( s ), to ask about " when will my account be eligible for it to be unsecured so as to get my deposit back in the form of a statement credit '', but no one would give me an answer. Below is a copy of the secure card deposit refund information on Capital One Secured Card Website ; Why Does Capital One Require A Security Deposit? 
" The security deposit is used as collateral against your credit line. The security deposit is refundable if you close your account and pay your balance in full. If your account is deemed eligible for unsecuring, we will return your security deposit to you as a statement credit ''. 

I ask the representatives if my credit card account was in good standing they all said " YES '' but would not give me a reasonable explanation as to when my account would be eligible to be a unsecured account so as to get my deposit back as stated above? Non of them had an answer and they were rude to say the least, three of which hung up on me. If my account is in good standing, then it should be eligible to be deemed unsecured, since the payment shave been made on time. 

Also, I ask if my deposit was in a interest bearing account and if the return/ or statement credit would include the interest accumulated, the representatives would not give me an answer, they were rude and indifferent..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on an item/account that I had taken care of years ago and paid it off completely. I've called Toyota Financial Several times and spoke to dozens of representatives where I was told that they will submit a change to my credit report to reflect paid as agreed, never late. I am not sure how this happened, but I made my monthly payment as required by the contract, but I believe the dealership added extra products that subsequently changed the terms and contract without my knowledge. I clearly remembered dealing with your toyota dealership to removed the extras that was added. It was then removed, and i'm not responsible for the extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called Chase and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. 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.

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 2018-08-19 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on my credit report which I thought it was already taken care of. I personally called XXXX and spoke to different departments in regards to the error that was placed on my credit. They specifically told me that they will submit a request for credit reporting correction, and it still reports as an error. 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.

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 2018-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In 2016 I received notice of balance owing to capital one card services. I started paying the balance both by money order and by visa card. In XXXX late XXXX I received a notice from a collection agency stating that I owed capital one card services {$860.00} of which is the amount I paid off. I contacted capital one speaking to rep XXXX and forwarding copies of money orders totaling in the amount of {$450.00}. I have been trying to reach out to the card company for statements showing payments made and still waiting to receive this information. After making payments with my visa card I recieved an email from capital one thanking me for my payments. I received a call back for XXXX capital one rep  whom informed that all but one money order had been applied to my account which was the last payment of {$52.00}. XXXX could not inform of where my other payments had gone. I reached out to the XXXX filing a complaint. I was called by the second capital one rep whom inform that capital one would do their investigation and would get back to me. During that time Capital one have blackballed my credit report lowering my credit scores. I received notice from the XXXX with word from capital one asking for copies of money orders of which I had already submitted. I returned the rep phone call without a call back. I finally reached the third capital rep XXXX who at that point stated " that capital one was not showing any money orders cashed by capital one '' 2. They required for me to send copies of money orders front and back. 3. XXXX stated that it was showing that I cancelled two of the money orders. 4. Everyone knows that you can not cancel a money order with the receipt part of the money order of which I am in possession of. 5. XXXX stated that my money order payments coin sided with my visa card payments. Are you confused to? This account was paid off in it's full amount owing of {$860.00} cents. I have also reached out to XXXX XXXX   XXXX of XXXX XXXX  XXXX with assist in this matter. There is something wrong with capital one card services accounting department. Please assist me with this matter. Capital one should be ashamed trying to steal from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
I switched phone service from XXXX to XXXX having paid my final bill ( approximately {$350.00} ) and having returned ALL my XXXX equipment. This was in early XXXX of 2018. Subsequent to that, I received another final bill from XXXX in the amount of {$2300.00} and change. I contacted XXXX to dispute the erroneous billing and was told by the XXXX Customer Service Rep ( XXXX XXXX ) that I would not receive any further billing. Since that date, I have received no further communication from XXXX with the exception of the emailing of the transcript of the chat, which states, " I have successfully escalated the issue to my higher level team and put the notes in the account. You will not receive nay further bills. Be rest assured. '' As you can imagine, it was quite a surprise to learn that just a few weeks ago ( on or about XX/XX/XXXX, XXXX handed the account over to Diversified Consultants of XXXX who immediately filed a collection action with the XXXX. Neither XXXX nor Diversified sent any letter or email notification of their claim. In fact, it seems that Diversified has a habit of not providing the required written notice of a collection action. No written notification was received in my case. What they typically do, and did in my case, was wait until the see a credit inquiry for a home loan and then file a derogatory collection claim with the credit bureau - XXXX  in my case. Again, this is very dishonest and what they did in my case and have done on other cases according to information available in your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax 's dispute system is broken. I've repeatedly attempted to submit disputes and I continue to get disrupted by bizarre errors, timeouts, and malicious user interface design. It appears to me that Equifax is deliberately making the dispute process difficult if not impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Im writing for help to resolve an issue ( late payment reported to credit agency ) with my Gap Visa card through XXXX XXXX. 

As of XX/XX/2018 I had a {$0.00} balance on my credit card. On XX/XX/18 I made one purchase in the amount of {$64.00}. On XX/XX/2018 ( never received a statement ) I made a payment of {$30.00}. On XX/XX/18 ( again never received a statement ) I made a payment of {$30.00}. On XX/XX/18 wanting to make my final payment to bring my account to a {$0.00} balance I called the credit card company ( this call should be pulled XXXX XXXX  ) to get my balance and to make payment ( again never received a statement ). The automatic system said my account was past due and of course I was shocked so I waited for a representative. I was told that my {$30.00} payment made on XX/XX/18 was considered a partial payment and the minimum payment should have been {$38.00}. ( Since I never received a statement I did not know this ) or I would have made the minimum payment. To make matters worse ( without knowing ) my payment of {$30.00}. made on XX/XX/XXXX was considered a partial payment. With the rep on the phone we made a payment for the full balance. My main concern was that this was not being reported to the credit agencies and the rep said that we should not be worried because according to their system I was only one day late but he advised me to call back customer service to be certain. I called customer service at ( this call should be pulled XXXX XXXX ) as advised only to be told that my account was already reported as 60 days past due and there is nothing they could do about it. This is not right and the bank should update my credit file to reflect a {$0.00} balance and no late payments. I believe this is a bank error and obviously for having only a {$64.00} balance to begin with and my making payments in XXXX, XXXX, and XXXX this should not be reported as late. For all these reasons please help my get my credit report ( s ) to be updated to reflect no late payments.

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 2018-08-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I called on a damaged item and was fought with for not being able to hear on the XXXX   system nor headsets. I was transferred 10 times and when I got someone in dispute who fought with and since it had lost connectivity from 10 transfers I could not hear at all. 


The Dispute dept would not call me back. Her name was XXXX. 


It is a lousy 5.50 nightmare. 


I can not take any more of this fighting. 


I believe that they wrote this off, but my point is the nightmare of not being able to hear and fought with and bad connectivity and I honestly could not hear them. 


When phones are transferred over and over again, the sound quality is horrible. 


When on a XXXX  system 10 times it dose lose connectivity and a deaf and hard of hearing person honestly can not hear. Why such a fight please. It is not right at all.

I was on the phone for close to 2 hours before getting any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Without contacting me, this company has put a negative mark on my XXXX credit report. 

I had already disputed this debt with the Consumer Financial Protection Bureau 6 months ago. The debt is not owed and is the result of fraudulent billing practices. 

I closed my XXXX account in person over a year ago. The XXXX representative was friendly, everything was done, there was no equipment that I owed. 

I would be interested in joining a class action lawsuit against this billing practice, if there are any lawyers out there listening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018. I check my bank account and my bank ( wells fargo ) gave all my money to a third party without my consent and at the same time charge me {$120.00} processing fee too. I did not request it or agree with what they did. So my money is given away by them. The same ppl i thought would protect and keep my money safe. Its not the case. It was almost a thousand dollars plus their {$120.00} processing fee. Seems like a money making thing for them slapping me with {$120.00} in which i did not request them to do. Ive talk to them and they just give me the cold shoulders saying nothing they can do. I felt betray by this business. The very one that suppose to protect and keep my money safe and they didnt. and they turn around and made money off of fee on me on the very same matter. Its straight up thievery to me. Hope u guys can help me reclaim my money back. My confidence in banks is all shot up now. I dont know what to do

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 2018-08-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent the TransUnion Credit bureau over 12 letters disputing the continued reporting of this account on my report with the same adverse results for over 2 years. 

The issue with this account @ TransUnion is that my loan is no longer serviced by XXXX   XXXX XXXX. XXXX is the servicer for this loan but XXXX XXXX. XXXX per TransUnion keep reporting this account as if they are the servicer of it. 

XXXX has been servicing the loan for over 3 yrs. XXXX and XXXX has released this account from their files with no issues at all. This account is dated back to XX/XX/XXXXXXXX. It is in positive standing with XXXX. XXXX XXXX. XXXX should not be reporting on an account they no-longer service / FCRA.

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 2018-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
they are charging me something that I do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Driver Holdings, LLC
State: OH

Complaint narrative:
i went to school to complete XXXX XXXX the school and contracted XXXX   companies assumed i will finish the class past all the test and be a XXXX  and i that was my goal too now mind you the 3 parts had their belief in what was going to go down and we were all wrong i went out with my trainers in XX/XX/XXXX he showed little interest in training me it was more about the dollar amount he was getting for me sitting in his XXXX as a trainee and he said it so many times and when he did not get what he from the company he showed less and he harassed me and went home frequently and when he came back he ranted and harassed me even more he would start off with that he missed his wife and he was going home and if XXXX didnt give him what he wanted then he wasnt going to complete my XXXX i was frighten of him he intimated me we XXXX   through 15 states ( XXXX ) with him acting like a crazy man by the end of XX/XX/XXXX i was on a different trainer this trainer was not happy to see me and when we started he yelled alot like we were in booth camp when i almost slammed into a guard rail he wanted me off his XXXX  so i left went home they want to garish my wages in XX/XX/XXXX i already have a court date and i am asking to settle this dept and what would it take

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 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: AZ

Complaint narrative:
In XXXX ( XXXX & XXXX ) Two fraudulent transactions occurred on my Capital One credit card One from a XXXX for {$630.00} and {$210.00} from a XXXX XXXX both in VA XXXX. I reported the transactions to Cap-1 as fraud and called the properties directly. XXXX reversed the charges immediately. Capital one applied a credit on the XXXX of XXXX for the XXXX XXXX charge. On XX/XX/XXXX XXXX XXXX reversed their charges. Simple right? All Cap-1 had to do was make their credit go away. Instead they left it for over a month and then issued a check XX/XX/XXXX for the amount. It arrived by mail end of month. I did not cash it because my balance had finally balanced at {$0.00}. A couple days later Cap-1 called and the lady told me that the check was a mistake and I should shred it. On XX/XX/XXXX they re-posted the fraudulent XXXX XXXX charge from XX/XX/XXXX. I called them and explained the since they had me shred the check I was not responsible for their mistake and they needed to handle their zero-liability obligation. Because they errantly issued a check on my account and charged the fraud a second time, I am down {$210.00} according to their sloppy accounting practices. If XXXX XXXX contested the charge it is still their problem. Not only are they not honoring the fraud protection promised me they have stressed me to the breaking point for over two months.

Company response to consumer: Closed with monetary relief