vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have an XXXX credit card through US Bank that was sold to me by one the XXXX stores in XXXX. The advertising for the card promises 1 % rewards for non XXXX products and 5 % for buying XXXX products. I have spend over seven thousand dollars on the XXXX MasterCard and when I called US Bank 's servicing department they told me that, without my dividend from being a member of the XXXX XXXX XXXX, that I only had XXXX dollars in rewards points. After I argued with the representative she then said when you add my normal, non credit dividend with my XXXX dollars of rewards points that I was owed XXXX dollars that would be paid in XXXX. The math for the amount of money I spent compared to how much my rewards were doesn't make sense. I'm owed at least XXXX to XXXX dollars of rewards points with my dividend. US Bank is stealing rewards points from customers by underpaying them during the time they award dividends. US Bank also doesn't allow me to view rewards dollars on my online account.

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 2019-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my Equifax credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX XXXX   XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to Equifax. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company. 

At this time I will also inform you that your office reporting invalidated information to to Equifax constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : ONEMAIN FINANCIAL, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit has been harassing me with numerous calls a day, even before XXXX, and after XXXX. I get DAILY letters from them in the mail, sometimes more than just one letter, of the exact same thing. This company is nothing but a scam. They call from different switchboard telephone numbers, and I just keep blocking them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am receiving debt collection notices on a time barred debt that was written off by the original debtor 20+ years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I would like to pay off my car lease. But NMAC/XXXX XXXX has blocked my online account, making that impossible. When it was active, ( before XXXX XXXX closed it ), I deliberately changed my permissions, so Nissan would stop calling me over and over, with people who are such " hard salespeople '', I feel I can not trust and have not given me the whole picture. Since I have cut off phone comunication, NMAC Finance is perfectly welcome to communicate with me in writing through the mail. 
And yet, no letter has arrived. Though I keep receiving unwanted call after call after call. Yes, we have business to complete. It sending late messages to my credit report. Yet it not allowing me to pay. I would like to do that. How can a company hit your credit repeatedly, without even sending a letter about it? Especially over a few thousand dollars. This is ridiculous. People can be ruined while NMAC sits by and believes that debt-collecting houds are a proper way to do business. All I want is for them to contact me in writing and to pay them. In the latest call, I can not even tell if the rep could accurately capture what I was talking about, based on his English. ( And I am very much ok with foreign call centers in general ). 
But I do know that Nissan should not be calling me, and that I WANT to pay Nissan Finance, but Nissan Finance appears to be deliberately making that impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have been unable to get a credit report from Equifax since the data breach. When I checked into the matter, I was told that somehow an incorrect Social Security number was put on my account, and I could no longer see my information unless the matter was resolved. Their representative wanted me to send a copy of my Drivers License, Social Security Card, and all of my mailing information by fax to them. My account information was already lost due to their data breach, and someone else now controls it. I finally sent the information to them to have the matter resolved, and still no success. Trying to get Equifax to correct their mistake is impossible. All I get is the run around, and the last customer service agent basically told me I was out of luck getting my report corrected by them. Now I found out that my information was found for sale on over 100 dark Web sites, and I have no way to see what is being reported on me by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I need this Settled account removed off all 3 credit reports. this account has caused me alot of problems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
XX/XX/XXXX I received an alert from my credit monitoring service of Portfolio Recovery Associates, LLC attempting to collect on a debt that I do not owe. Account number XXXX XX/XX/XXXX I sent a certified letter requesting debt validation. The letter was received and signed for on XX/XX/XXXX by someone named XXXX XXXX. 
XX/XX/XXXX I emailed XXXXXXXX requesting debt validation. I received an account summary dated XX/XX/XXXX which states VALIDITY. Im not requesting validity my request is for DEBT VALIDATION. 
XX/XX/XXXX I emailed XXXX requesting debt validation again. Once again I received a letter dated XX/XX/XXXX from the Disputes Department as an account summary. My request is for DEBT VALIDATION XX/XX/XXXX I emailed XXXX once again requesting debt validation and to advise them I would not accept an account summary as debt validation. Its a big difference in the two. 
XX/XX/XXXX I emailed all three credit bureaus advising them that Ive requested debt validation from Portfolio Recovery and as a consumer debt validation must be provided. 
XX/XX/XXXX I sent yet another certified letter which was received and signed by a XXXX XXXX. No response as of today. 
Ive used every resource provided by the credit bureaus and Portfolio Recovery to get this inaccurate information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BANK OF AMERICA has stolen {$3000.00} of my money and will not give it back for more than a week. 
On XX/XX/XXXX I deposited a {$3000.00} check drawn on my checking/debit card account at the XXXX XXXX in XXXX. I deposited this {$3000.00} check into the Bank of America ATM in XXXX XXXX and the check was printed on my receipt with a 10-day HOLD. On XX/XX/XXXX I called my XXXX XXXX  to stop payment ( because I would have the bank issue me a cashiers ' check to deposit instead ). The XXXX XXXX informed me that the {$3000.00} HAD BEEN WITHDRAWN. 
I went into a BoA bank and was referred to a " risk assessment '' department and I called several different BoA phone numbers including the one on the card ( XXXX ). I got the same story from everyone : Bank of America will NOT GIVE ME MY MONEY UNTIL XX/XX/XXXX even though they got it two days ago! 
FCPB has just told me on the phone that BoA has 15 days to respond to this complaint. What a disappointment!

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 2019-04-11 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 — Their investigation did not fix an error on your report
Company: Meade & Associates, Inc.
State: CA

Complaint narrative:
I did not receive correspondence in the 30 day window per FCRA guidelines showing that this company sent documentation showing their federal right to post this item on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
I filled a complaint against XXXX XXXX  who bought XXXX XXXX. 
Back on XXXX XXXX XXXX approached to me ( I was ok with my original Mortgage with XXXX XXXX ) I bought my house for XXXX dollars back on XXXX. 
XXXX came over, valued my home at XXXX XXXX dollars. I thought was insane but they gave me all the appraisal documentation and lend me XXXX dollars in a XXXX which according to them it be locked at a low rate. 
I filed a claim through CFPB and looks like XXXX XXXX just send it to collections to a company called Fay Servicing. 
This was a predatory loan. 
I ask for this loan to get removed. 
Its my home and I have paid now more than the cost and not only that. My home is worth way less than what they claim. 
The house is worth XXXX dollars and according to them I owe XXXX XXXX dollars. 
I had to declare bankruptcy on XXXX because I just could not pay XXXX dollars a month instead of the original XXXX I was paying. 
THIS WAS A PREDATORY LOAN AND I AM LOOKING TO GET MY SANITY AND FINANCES BACK TO TRACK. 
I DEMAND FOR THIS LOAN TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : CAPITAL ONE, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX. ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX   AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
this complaint is against resurgent capital. they are reporting a debt to all 3 cras that belongs to a XXXX   XXXX im XXXX XXXX ive tried to resolve it though credit bureau disputes and the XXXX but there holding tight to this incorrection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
XX/XX/XXXX I noticed two negative credit marking on my XXXX  Consumer Credit Report from Kia Motor Finance. I spoke with an agent after multiple transfers and hold times for almost an hour in reference to my dispute. I was advised by the dispute department to submit a credit reporting dispute due to the late markings being charged from an Insufficient fund fee which was taking out and applied to the fee and not as a payment transaction. Kia 's online system allows you to view the payment transactions, but not the breakdown of how payments are applied. I requested a pay history which shows when the monthly payments posted to the file. No payment was missed. 

I was never called to advised any fees had not been paid and was unaware of any issues, even though I am the primary customer on the file and my XXXX XXXX XXXX is co-maker. 

I reviewed my credit this morning XX/XX/XXXX which decreased my XXXX score more then 30 points now that there is a 60 days delinquency now showing from Kia Motors. No payments have ever been over 30 days delinquent and it is unfair that my efforts of being a good standing consumer is now in jeopardy due to this matter I called Kia Customer service at XXXX XX/XX/XXXX to ask to speak with the dispute department regarding credit reporting and I was refused to be transferred due to payment which was due on XX/XX/XXXX has not been posted to the account. Even though it is and arrangement on the file for payment of XXXX for XX/XX/XXXX. I asked to speak with a supervisor and was placed on hold for more then 25 minutes before a team lead XXXX ( employee # XXXX from XXXX XXXX location ) took the call. I again requested a contact number or department that could asset with my dispute/complaint and he as well stated their is no number to contact that department. He advised that I should mail my complaint to Kia Motor Finance at XXXX XXXX XXXX XXXX XXXX CA XXXX. I asked how would I be able to follow up once I submitted the letter. He advised to include my name and call back number but still gave no instructions for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/19 I reviewed my credit reports with my credit monitoring website after paying {$29.00} for this option, I noticed there are multiple fraudulent accounts in my name on my credit reports with XXXX XXXX, Experian and XXXX. I reviewed the process on how to proceed with this situation in the Fair Credit Reporting Act, section 611 and typed a letter, signed it and completed an affidavit with the Federal Trade Commission as well as sending a copy of section 611 with these documents to Experian XXXX XXXX and XXXX, having paid an additional {$27.00} in mailing fees for certifying this packet to the credit bureaus. I received notice that each credit bureau received my certified letters on XX/XX/19. I am aware it does take up to 30 days for the credit bureaus to review and/or investigate this dispute and will mail results within that time line. I paid on XX/XX/19 {$29.00} to my credit monitoring account to review all bureaus and noticed the disputed accounts have not been removed with any of the credit bureaus. I have not received any investigation results or notifications what so ever for this situation. It is not XX/XX/19 and I am filing a complaint with the Consumer Financial Protection Bureau to help me in this matter because I do not want to be left dealing with this situation for months and being mistreated by the credit bureaus 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 explanation
Consumer complaint received 2019-04-11 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: MI

Complaint narrative:
My Dad, XXXX XXXX, of XXXX XXXX, XXXX XXXX, Mi died on XX/XX/2018. He had a lease with XXXX. Within two weeks we dropped off the car at the dealership. Unfortunately, the lines were down the day the salesman tried to dock the vehicle with XXXX. He did not give me a receipt. 

We didn't think anything of it because we knew the car was turned in. Then they continued charging the lease payments for several months after and have stated that my XXXX 's estate owes the remaining balance of the lease. 


We have attempted to contact GM financial on many occasions to have this resolved. Every time they say " You're set '' and yet we still have this unresolved. So I am reaching out to get this taken care of. Our father has passed away, there is no reason they should not have taken care of this. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
A company representative from this company informed my that since they received in excess of XXXX by XXXX on my account that I need not send a payment in. I expressed by concern that I had a perfect payment history with them and could not afford to have a derogatory mark posted to my credit report since I am in the midst of having a home built. I was assured that this would not be the case. When they posted the derogatory mark to my credit report, and I called back in to complain, the representative was upset that I was given this information and said this matter could be resolved by someone who has the authority to fix my payment history.

Company response to consumer: Closed with explanation