vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2012 {$1300.00} I have requested this account to be removed. This is an result of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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:
dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXX/XXXX   XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, XXXX XXXX sold my debt to LVNV Funding LLC. I received a letter from XXXX XXXX after filing a dispute that the account should not have been in collections and as a result they removed trade line from my credit. They also stated that I should reach out to LVNV Funding to explain and provide the letter so that they can cancel the trade line. LVNV refused to acknowledge what happened and refused to do anything about it. I would like for the LVNV to remove the trade line off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Stated it was to prequalify and ran credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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:
dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED 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 explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
dscount auto never late XXXX XXXX ftc violation XXXX XXXX l ( all account could not fit o FTC report ) credit collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HOW ITS LISTED ON MY REPORTS ) XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES THAT NEED TO BE REMOVED XXXXXXXX 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 explanation
Consumer complaint received 2020-05-29 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:
FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC CREDIT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
XX/XX/2016 {$0.00} XX/XX/2016 {$0.00} These accounts has been paid in full, I have reached out to the creditor in regards to this matter. A deletion was offered, These acounts were never deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc won't let me add my bank account to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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:
FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXXL ALL NEED TO BE REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC VIOLATION ON THE REPORT AND LISTED HERE : NEVER LATE XXXX XXXX XXXX XXXX FTC XXXX XXXX L ALL FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX ALL NEED TO BE REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Kohl 's Department store issued me a credit card. I made one charge on the card for XXXX dollars. Around the time that the bill was due they began to call me non stop day and night. I told them that I only owed XXXX dollars and that I would be in on Saturday to pay the balance. They continued to call and call. Finally after 20 calls I told them to close the credit card immediately and that as previously stated I would be in on Saturday to pay. I went in to pay and they had charged me a fee of XXXX dollars in addition to the balance. I paid the balance. Kohl 's has continued to charge me fees even though the account was only open for a month and I paid the balance. They say that I currently owe XXXX. I have repeatedly disputed that the late fees that they are charging me are based on THEIR own late fees NOT the amount that I owed for what I actually purchased. I paid for what I purchased how is it legal to have to pay fees after the account was closed and f the balance is only their fees? They have turned me over to a collections company and now I get the harassing calls from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
XX/XX/2019 {$130.00} This account has caused me financial ruin. This account is an result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: TX

Complaint narrative:
In XXXX of 2018 I had a car that was repossessed. I was never given my license plate or registration back. Later I receive a toll tag bill with the same license. I also paid for MMP maintenance coverage and gap Insurance that was never prorated and reimbursed to the account. A year and a half later I go to apply for a job only to be denied the job because it shows a balance on my credit report even though I was told after the repossession that the Lien was satisfied. I was told whenever their is a repossession you are suppose to be given a chance to receive your belongings as well as your license plate tags and registration. I was able to retrieve my belongings but not my tags and registration. I also was not informed on when the bidding for the car toook place which would have given me a chance to buy it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: FL

Complaint narrative:
I have my federal loans serviced by AES. I was told that the relief for federal loans, no charge and no interest from XX/XX/2020 through XX/XX/2020 does not apply to my account because that relief is only for accounts serviced by federal entities not a private servicing company. I do not believe that information to be accurate and seek the relief afforded to federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Received background information results and found out XXXX XXXX said I owed {$420.00} which I paid and the account was clear as of XXXX, As of XXXX It still showed as a risk as this was supposed to be cleared without hitting my credit report again. All three bureau agencies report different outcomes. I have no open accounts or debts besides the XXXX card. I am trying to get my scores up to get my personal vehicle changed over into my name as well as my current house. Please help me with this issue. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
Our homeowners insurance policy is to be paid through our escrow account with TCF bank- our current mortgage company. We received notice at the end of XXXX that our insurance had not received payment of {$900.00}. A call was made in which my insurance agent spoke to a representative named XXXX who indicated that the check was sent XX/XX/XXXX to XXXX XXXX. It was never cashed ( or received by XXXX XXXX our insurance company ) so she was supposed to reissue the check and re send it to state auto. I verified with her the XXXX XXXX address and our policy number. We were told it would take 7 days. 


By XX/XX/20 no check had been received. On XX/XX/20 I called and got disconnected twice that day and no one called me back. So I called on XX/XX/20 again and talked to a representative named XXXX. She said she would send the check to our local insurance broker so someone could sign for it to make sure we would receive it. No one could give me a confirmation # after the phone call except for XXXX, but no tracking number was provided. 

On XX/XX/20 we had still not received a check. I called and spoke to a supervisor named XXXX who indicated he did not know why we hadn't received it, but would initiate the process for an overnight check and would call me back to provide me with a tracking number and confirmation number. He called me back to say he could not provide a tracking number but it would be available the next day. 

I called again on XX/XX/20 to get a tracking or conformation number for the check and spoke to supervisor XXXX. She indicated that she started the process and would email me with a tracking and confirmation number by XX/XX/20. 

On XX/XX/20 I had not received a tracking or confirmation number and called back. I spoke to a third supervisor. She indicated that the request had been closed because they received a refund for a previously written check. She said she could initiate the process again, but would be unable to provide the tracking number at that time. 

Without prompt payment our homeowners insurance policy would be cancelled and without guarantee that a check was sent via tracking number, I was forced to pay our homeowners policy myself. I was informed on my phone call that our escrow account would not have an overage equivalent to the full XXXX and that I would need to provide a declaration of payment to them and make a request for a check in the amount of the overage ( less than I had to pay personally ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian DELETED items of my profile as the outcome but then later ADDED them back effecting my profile. Im submitting document verifying that those items were removed and needs to stay removed. 

XXXX  also DELETED items off of my report that were not correct and Experian and XXXX  are still reporting some of these items. All these Bureuas get the same information but they have many inaccuracies on my credit report that's affecting my livelihood.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Would like to be able to pay merchants with XXXX XXXX by way of PNC it's been n/a for over 6 months due to something with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD 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 2020-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Have reached out to Santander for a change in interest rate of XXXX % Have been laid off due to XXXX XXXX and hoped to settle loan for {$9000.00} dollars using XXXX withdrawal to decrease expenses and sell auto. 
Requests have been denied. 
The interest is excessive and unable to decrease balance because of this and car is underwater

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. THESE ACCOUNTS ARE FRAUD AND SHOULD BE DELETED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, My wife and I purchased XXXX airline tickets on XX/XX/20 which posted to my Bank of America credit card account on XX/XX/20. The flight was to depart on XX/XX/20. Due to the current pandemic, XXXX cancelled the flights and we requested a refund. Due to delays, XXXX stated they would issue a refund within 7 days, however, please allow up to 30 days due to delays. The refund has not been issued and Bank of America ( rightfully ) is charging me interest. I would like to dispute the charges to avoid accruing any additional debt XXXX interest ). I have tried calling XXXX and can not get through. Bank of America 's online banking does not provide me the option to dispute the charge. I am an essential worker and asked my wife to call in and advise of our problem. I did not realize that she was not listed as an authorized user. She then attempted to get me on the phone to speak with the representative who refused to take the dispute and insisted I call back. This is clearly not fraud or an attempt of her trying to use my credit card without my permission. The situation was not handled appropriately. Why was my wife not able to get me on the phone at that moment to talk to the representative? I'm at work and unable to call until after hours. Your policy, which is unethical is a hinderance and is wasting my time. The online banking system allows me to dispute other charges but not those specific ones. Why is that? I'm sure that other representatives have allowed callers to contact the primary card holders if needed. She was also not requesting information from the account, she wanted to provide information. This so called attempt to protect my information is costing me because your bank is charging me interest on a purchase in which I did not receive the service. I would like those charges disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Bank Of America Credit Card. I presently have a large negative credit card balance due to XXXX credit refunds totaling {$3900.00} XXXX XXXX airline tickets refunded ) of which I requested a refund on XX/XX/2020 of which the customer service rep stated he would have deposited in my bank account. I was told it takes XXXX to XXXX days to transfer. Today, the refund had still not shown up in my checking account The gentleman I spoke to XXXX XXXX XXXX, Texas XXXX of XXXX XXXX for Bank of America XXXX stated it could take up to XXXX billing cycles to get this refunded. He stated it was policy even though other representatives had told me different. The refunds were issued on XX/XX/2020 by XXXX XXXX. Today with everything being electronic I can understand XXXX to 6 days but not XXXX billing cycles that my money is being held. XXXX CFR XXXX - Treatment of credit balances ; account termination states : ( ( XXXX XXXX Refund any part of the remaining credit balance within XXXX business days from receipt of a written request from the consumer ; ). Bank of America received my oral request and accepted that request on XX/XX/2020. They need to deposit my refunds in my bank account as I requested.

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