vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted Capital One 's Spark Business Checking department at XXXX. I wanted to verify whether or not my old Spark Business Checking account was still valid and available for use. I was able to log into the account using my old credentials and saw there was a negative balance of {$280.00} I had since XXXX.The representative I spoke with that day advised me the account was still open and available for use. She offered me an option to order a new debit card, but I thought I had my old one so I declined. I updated my phone number, email, and address from XXXX to XXXX online as well. After confirming the account was in " good standing '' I provided my employer with the account and routing number for my direct deposit. 

On XX/XX/XXXX I couldn't find my old debit card and contacted Capital One 's Spark Business Checking department at XXXX to request another card be sent to me. The young lady politely confirmed my new address in XXXX, sent me a new card, and advised me the new card would arrive in 3-5 business days. 

When I did not have the new card by XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX a third time to see if they were able to activate my old debit card. The young lady politely reactivated my old debit card and changed the PIN number for me. This was very important because I was scheduled to move into my new apartment onXX/XX/XXXX after sleeping in my car for 2 months. 

On XX/XX/XXXX I called Capital One 's Spark Business Checking department at XXXX to verify my old card was indeed active and was advised I would need to speak with another department to verify information before any incoming deposits. Upon speaking with the department, I was advised this was the collections department. I was advised my direct deposit would go into the account, but that after Capital One was paid their debt I would be sent a check in 2-5 business days with the balance. 

I completely understand the company wanting to collect their debt. I fully intended on paying it. However, I should not have spoken with 3 representatives before being briefed on the true status of the account. The account was by all appearances open, but per the collections department it was actually charged off. 

All I am saying is that I feel the company deceived me into believing I had an active account when in fact the account was not active at all. It was unfair of them to give me the idea that my account was available for use when in fact they were just attempting to collect a debt. The ordeal has caused a great deal of emotional distress. Yes, I will get the funds eventually, but I am hoping they still hold my apartment and I also hope my next direct deposit does not try to go into that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

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 2018-08-23 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: OH

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Buraus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.

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 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My elderly parents ' " XXXX XXXX XXXX MasterCards '' were stolen from their assisted living apartment. I called MasterCard when I discovered this. I provided my parents ' social security numbers, and XXXX confirmed that the address on the account had been changed and that fraudulent charges had been made. MasterCard would not speak with me further without a written power of attorney ( POA ) in their possession or oral authorization from the primary account holder, my father. I explained that my father had just had a XXXX, was partially paralyzed, was on a heavy XXXX regimen, was on XXXX, and could not speak to them. Nonetheless, they refused to speak further with me or to cancel the cards or put a block on the account. Some days later, I faxed them the POA. They advised it would take 3-5 business days to process the POA. I called back 4 days later. They still were not willing to speak to me, saying the POA had not been processed yet, but would be at some time in the future. They still refused to send new cards, change the account number, or otherwise protect my parents ' interests.

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 2018-08-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: IQOR US INC
State: OH

Complaint narrative:
I'm a supervisor with XXXX XXXX XXXX 's customer service contact center. We are getting calls from Allied Interstate to individual call center representative 's desk phone who is not the person they are looking for and this is a business number. We have advised them several times that the number is incorrect and this is a business and to stop calling. However they continue to call which is affecting our business negatively. The numbers they are calling from are as follows. 
XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX XXXX XX/XX/2018 around XXXX Other dates called XX/XX/2018, XX/XX/2018

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 2018-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Signature Finance Company
State: TN

Complaint narrative:
My job has come to me about excessive calls from this company. They say the people that call ask for me but they always call at the wrong time because I work nights. So the people at the front desk try to transfer them to human resources and they immediately hang-up. I called to ask why they call my job and they say to inform me of my passed due account. I'm already aware of that from the many voicemails, emails, and letters in the mail. I let them know that I am doing the best I can but all they care about is forcing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Today I was garnished {$130.00} ( 25 % ) of my check and don't understand why. My payroll department emailed me a document showing a court order of {$2200.00} garnishment. I had never heard of Midland finding before and never had a credit with them, let alone a balance owed. I called Midland and they claimed to be a debt collection company and said if I hadn't been notified correctly that I have to take that up with XXXX Court House, that there is nothing they can do. I don't know how they can do this without proving this is my debt and never notify me of being sued. How is it they can just sue anyone for anything without proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX calls on all hours of the day and night including weekends which started about two months ago from various phone numbers e.g. XXXX ; XXXX ; XXXX ; XXXX ; XXXX. But recently it's more so than usual meaning everyday including weekends and the past two days left a voicemail message from two different persons - XXXX and XXXX XXXX - Demanding to call them back at XXXX ext XXXX. 
The voicemail message left on my phone today demanding I call them back and give them my attorney 's name and number, and if I don't have an attorney it would be to my best interest to call her back. I urge to contact her today. choose not to respond i have no choice may proceed to next step which will impact you. 
It is very frustrating as now they are calling my kids, my work, my Mom, my siblings and their spouses to name a few. This is beyond harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2018, I made an online payment from my Chase account to my XXXX XXXX ( a transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my XXXX XXXX account, I contacted Chase and XXXX to determine what was happening. Chase informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to XXXX XXXX and were withdrawn by XXXX XXXX. I also went online and saw the proof of payment document confirming what Chase reported. 
However, XXXX XXXX states that they have no evidence of the electronic payment and that they do not accept electronic payments, Chase is supposed to send XXXX XXXX a paper check for the amount. This was news to Chase when I informed them of this ( XXXX XXXX has never informed them of this and if it was the case, XXXX XXXX should have rejected the payment ), and they noted that all of my payment electronic transaction from Chase to XXXX XXXX in the past were made via electronic transfer. 
Chase is in the process of mailing the proof of payment document to XXXX XXXX to show that XXXX XXXX in fact did accept and withdraw the funds. 
I am very concerned that this is going to become an issue with neither institution accepting responsibility. 
Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. Chase is also in the process of mailing this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: WA

Complaint narrative:
I sent a first and second letter to Experian to dispute several unauthorized inquires on my credit report. The first letter was sent on XX/XX/2018, and the second letter on XX/XX/2018. Each response took 5-10 days ; however, they report that the inquiries were verified. I asked them to provide me a written authorization and any permissible purpose with the second letter, but they failed to follow the Fair Credit Reporting Act. I already contacted the creditors, and they were unable to provide me with any verifiable information. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a  consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have placed a dispute with each of the major credit reporting agencies over 2 months ago without any resolution or response from any.

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 2018-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Knight Adjustment Bureau
State: CA

Complaint narrative:
I received a voicemail on my phone number that was intended for my wife saying she was being served and she owed a debt and had a judgment against her. We were unaware of this debt and I called the number back and was transferred to a man named XXXX XXXX. XXXX XXXX pulled my personal information from my number I suppose and his first line of tactics was to point out I couldnt possibly be married to my wife because I am too old for her. He hung up on me and I called back and asked to speak to anyone else. I was immediately transferred to him. Im just going to list the next insults because the narrative is too long. I am a XXXX for marrying my wife. I am abusive and do not let her make her own decisions. His job is to turn old guys like me into pretzels ( physical threat, obviously ). Im too XXXX to understand anything he says. I am too cheap to buy my wife the things she needs. I am unable to XXXX XXXX XXXX XXXX XXXX. He refused to tell me what the debt was from, who it was owed to or how much. Then he called my father-in-law to tell him his daughter married a XXXX. Then he called my sister-in-law to say the same. Then he called me back to tell me again that i was too XXXX to understand what he was saying and told me he would talk to my wife ( who he called non-stop for some time ) and me after she returned home but at least then he told me it was an old XXXX account and that it was XXXX XXXX bucks. There was a whole lot more Youre old, youre XXXX stuff but it got boring. The ironic thing is I was actually calling to just pay whatver she owed but he never allowed me that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Repeatedly for several years, CHASE BANK has made UNAUTHORIZED, UNSOLICITED HARD INQUIRIES INTO CREDIT BUREAUS, ESPECIALLY XXXX. 
Most recent dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Have tried freezes, but the instant I lift them, CHASE hits me AGAIN!?! As a senior struggling to get by solely on Social Security, these dire negative hits to credit scores is hurting my chances at procuring senior rental housing & necessary automobiles. PLUS : inflated interest rates & painfully larger deposits. I called Chase the summer of XXXX to STOP, but to no avail. My powerlessness over the situation is severely exacerbating XXXX, one of my XXXX. I have NO charge cards, have not had one in the last 20 years and DO NOT WANT ONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We signed up for the American Express XXXX card in XXXX under their promo to spend $ 3k to get 25k bonus points. We spent close to $ XXXX and didn't get the bonus. After several billing cycles closed, we contacted Amex to ask about the bonus and they told us to wait and that they couldn't open a case until after 6-8 weeks after the spending was met. We waited and then contacted Amex in XXXX and was told we didn't meet the limit because the promo we signed up for required $ XXXX spend and we were short {$190.00}. They misled us and caused us to lose out on the bonus that is worth at least {$400.00} in value. They said the welcome letter included the terms of the bonus and we've been a customer since 1995 and I have never seen any disclosure to the welcome bonus. The only disclosure we received is the fees. It's a shame that a company as AMEX would try to lure loyal customers to use their cards and then cheat customers out of their hard earned money and points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
wells fargo bank amount XXXX opened XX/XX/2014 car note was sent to wells fargo dealership service .through XXXX for witch I had an acct. that was set up by wells fargo. All prior payments were not recorded nor received by wells fargo acct. # accociated with car note acct. #. car was repossessed by wells fargo without giving me any notice. Acct. # ware money was going was made up by wells fargo without my knowlege

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 2018-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/18 spoke with my bank, XXXX XXXX customer service, to get new atm card. 
in process the agent went into a program from one of the 3 credit reporting agencies to " VERIFY ME '' ... This is the second time in a week I have had this horrible experience. 
What is happening is that the first question is : What is the prefix for the phone # ending in these last four digits..? These agencies are going 10 to 30 yrs back as what I have been told. I have a learning XXXX, but who the XXXX is going to remember the prefix of a 20 yr old phone # anyhow? The other call had asked me the same stupid question, and what of these four cities did i live in? I lived in two of them and told her ... she said YOU HAVE TO PICK ONE!! I did and obviously it was not the correct one for them. I was also asked whom I am closely .... associated with of four names ... none .... but one was an ex from 30 yrs ago ... People with learning XXXX and the elderly ( i am both ) are being denied services because they cant be 'VERIFIED '' through these credit agencies. The first one was getting a phone which I was denied due to this XXXX. Who the XXXX is going to remember obscure phone info and other info. from 10 to 30 yrs ago? Let alone the elderly and people with XXXX? arrrrrrg ... This is flat out wrong! like I had lived in two of the 4 options but was told I was wrong ... denied services..arrrrg. 
This needs to stop and stop now! it was as frustrating for the gal I spoke with as it was for me to deal with it. 
This is discrimination against XXXX people and the elderly at the very least ... 
Personally I dont think the avg. person could get all these correct. 
thank you. sincerely, XXXX 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 2018-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They offered me a payment program on Monday where I would have 3 months of reduced payments and reduced interest I needed to call back with a debit card. When I called back they said they couldnt do it and instead made my only option to use my remaining forebearance to get up to date. 

This constitutes falsely stealing me to use my forebearance instead of offering me a reduced payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Credit card does not pay off the higher APR when you make a credit card payment. So a {$900.00} cash out transaction I got 10 years ago has accrued interest to where my entire credit card balance is now considered all cash out at an APR of 26 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23 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: CA

Complaint narrative:
This is in regards to a dispute for {$700.00} with the merchant " XXXX XXXX XXXX '' on my Chase Freedom Unlimited card. I brought my dog in to this merchant for XXXX XXXX and, ultimately, this merchant was negligent and caused my dog to get a 106 degree deadly fever. Full verification from a licensed and practicing veterinarian can be found with the documentation attached to this complaint. A full explanation regarding this incident can also be found within the attached documentation included with this complaint.

Company response to consumer: Closed with explanation