vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Good morning, Capital One was given a pay-off in full on both of my credit cards on XX/XX/2019. Both balances were at XXXX. On XX/XX/2019 Capital One changed interest on a XXXX  balance. After calling I was told that they charge interest on the previous month if there is a balance. I asked to speak to a supervisor and was hung up on. After calling back I was told a different story as to why the interest was charged. After asking again to speak to a supervisor after being transferred a second time, again I was hung up on. After a third phone call and much frustration, I paid the bills in full to make it stop. 
How can a credit card company get away with treatment like this? 
I also refinanced my auto loan and the payment was sent by XXXX  XXXX XXXX on XX/XX/2019. By XX/XX/2019 Capital One had not posted the pay-off. I called the Credit Union and they called Capital One. Capital One stated they did not have the funds. When I checked on XX/XX/2019 the balance was at XXXX for the car loan. Had XXXX XXXX not made the call, Capital One would have continued to charge me. 
How can such a supposed reputable company have such ugly practices? Especially for what was a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I contacted Experian regarding an account listed on my credit report, as XXXX XXXX, advising that the account was not mine and I do not recall having opened this account. I initially reached out to the creditor for information and have been ignored several times for documents. I then submitted a dispute with Experian sometime in XX/XX/XXXX. I received a notice stating the account was verified as mine. I sent a letter last month, XX/XX/2018, requesting for the information that was obtained from the creditor that proved the debt was in fact mine. I explained to Experian that the creditor had ignored my requests for physical proof and because of that, additional research needed to be done to show prove this validation by the bureau. I asked for the name of the person spoken to that validated the debt, date and time debt was verified, and account number, balanced owed and proof of any payments. I was sent another notice stating this was already addressed and further investigation would not be done. 
The creditor doesn't have a stellar reputation in my state and is already ignoring my requests for physical documentation. In this case, the bureau needs to actually investigate the authenticity of the account and not ignore my requests. It is my right as a consumer to obtain this physical and contractual proof if requested. Please help

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 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On XX/XX/XXXX I redeemed XXXX XXXX XXXX XXXX for what I believed would be 2 {$100.00} gift cards ( they are advertised on the rewards site as gift cards ). I bought them with the goal of immediately using them to buy a round trip ticket from Washington to NYC for travel on XX/XX/XXXX. Instead of gift cards as I believe would be reasonably understood from the marketing, I received, by mail, 2 {$100.00} gift certificates ; these did not arrive until XX/XX/XXXX, precluding me from getting a better price on my train ticket, which rose by {$100.00} in the intervening time. The certificates are only redeemable in person at an XXXX ticket counter. I had purchased the certificates under the assumption that they would be usable as any other gift card, through the XXXX website. I do not believe the expectation that in this day and age a consumer redeem paper certificates at a ticket office is reasonable, particularly because the most likely time for a consumer to do this would be at the train station, thereby guaranteeing the highest purchase price and lowest redemption value of the certificates. I live across town from the ticket office and can not invest the additional hour to redeem them in person independent of a trip. I further find it misleading to market these products as gift cards through the rewards website. When I called to complain ( Amex does not take electronic complaints ) I was told that I could not be refunded ; when I asked to escalate I was denied the opportunity to speak with a manager.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are a few inquiries that were placed on my credit report on Different dates by XXXX XXXX from XXXX that has an inquiry date of XX/XX/XXXX and XXXX  that has an inquiry date of XX/XX/XXXX, I sent the company a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the applications they claim that I submitted. What I received from the company is not enough to validate these inquiries. I received the copy of the application on XX/XX/XXXX, these applications were submitted fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
To whom It may concern, I request validation of this debt per Texas  Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 
Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files.

I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I was a previous tenant at XXXX XXXX and upon terminating my least I was informed that I had to give 60 days notice when I was not aware of it I was previously told 30 days notice. Because of this a charge was added to my account of {$590.00}. This account is from XXXX and has been forwarded to a collections agency. On XX/XX/XXXX I reached out to capstone credit and collection to inform them of the situation and requested to have this removed from my account and they said the best they could do was a settlement of 50 %. I informed them of XXXX   failure to properly inform me of a 60 lease termination agreement which would result in a month 's rent company also kept my deposit which I believe should offset the caseworker named XXXX XXXX told me I should get an attorney because there was nothing that they could do. Said I got to go and basically hung up on me after I told them I was going to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form XXXX, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit  bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.

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 2019-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wharthog Ventures LLC dba Loans Not Sharks
State: MO

Complaint narrative:
I sent a cease & desist/removal of contact information to the company on XX/XX/2019 due to the company contacting me at work and several of my co workers and my manager. I informed them I am not able to receive personal calls at work as this is grounds for disciplinary up to suspension or termination. On XX/XX/XXXX, XXXX from the same company contacted me on my work number. I asked for her information and stated that I would give her a call back. She refused to hang up. After repeating myself multiple times, I hung up on XXXX. She then called back and left a message stating " It seems we were disconnected ''.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
My car was in a total loss onXX/XX/19. The Insurance company paid off the car. The loan company is taking over 20 days to apply the insurance payment to my account. To purposely try and ruin my credit. A lady name Ms. XXXX has called me literally everyday with a rude attitude and causing me stress and heartache. I was told by one of the reps and I have the proof of the conversation, that they would back date my account to the day they received the payment. However, the payment was over night to them XX/XX/2019 and they still to date have not applied the Insurance payment to the account. I was told that I could hold off on paying any payments since the insurance check was in their office. Ms. XXXX called me today arguing with me causing me more stress and my XXXX XXXX to arise., that if I didnt make a payment today they would ding my credit since no payment has arrived. I told them that the payment did arrive and i was on the phone with the insurance company and their company and they verified that payment went to the correct overnight address and they would update it that night. Ms. XXXX then said well the accounting department said they cant find the check. I said well How would I have ever knew this, Well they dont make calls. I told her then they are purposely trying to ruin my credit. She hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: LEXISNEXIS
State: IL

Complaint narrative:
I received a copy of my LexisNexis consumer report on XXXX XXXX. Upon reviewing my 60 page report I noticed the Entire report was full of many serious reporting in errors/ inaccurate information that didn't belong to me. On XX/XX/XXXX I sent a Certified letter to Lexis Nexis requesting for an investigation and to send me a copy of my correct consumer file. I never received any follow up on the incorrect file I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion I disputed XXXX  XXXX XXXX with you back in XXXX about a 30 day late on XX/XX/XXXX and also another 30 day late on XX/XX/XXXX. I sent you factual proof that XXXX XXXX had taking payment for the Month of XX/XX/XXXX But on XX/XX/XXXX you sent noticed back that this has been verified.. How has this been verified when you have factual proof of a payment was made. please delete this account as you have failed to do your Job. I noticed and already have a dispute the update on a lot of your accounts that you claim was verified are not updating I don't understand why you are sending them to customer relation this is nobody issue but transunion. When you get noticed back from creditors the systems should auto change the date. could you send me the date and time that you sent the dispute to XXXX and also the date and time XXXX replied back to you via XXXX XXXX. also you didn't remove the two 30  day late I know you didn't investigate this account as well. 100 % FCRA 100 % accuracy

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 2019-05-31 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I contacted Equifax initially some time in XXXX, advising that I did not recall opening an account with XXXX/XXXX XXXX which is listed on my credit report. I received a notice advising that the account was accurate. In XX/XX/XXXX, I sent another letter requesting information regarding this validation that was done. In response, Equifax sent me a letter stating that the account was investigated and proven accurate. Shortly after that, I received another notice stating the account was listed as " not specified '' That's not what I asked for. The creditor in questions is currently being sued by my state attorney generals office for predatory business practices. As requested, I need the physical proof that I had business with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
I disputed an account from Credit Acceptance Corp through XXXX on XX/XX/XXXX. XXXX says that the account will remain because the creditor verified that the information they have is correct. They said I should contact the creditor myself. I sent a letter to the creditor via certified mail dated XXXX XXXX, requesting validation of this account by way of a signed contact dated XX/XX/XXXX. My letter was received and signed for on XX/XX/XXXX by Credit Acceptance Corp. I also mailed a copy of my letter to CFPB, XXXX, XXXX, and XXXX. All 3 credit bureaus opened another dispute when they received my letter. Today, XX/XX/XXXX, XXXX says again, the account shall remain, because the creditor claims the information to be true and the bureau is only a data collector. The creditor has not sent any validation that I opened any type of account with them XX/XX/XXXX, as I did not. This creditor can not provide a signed contract that doesn't exist.

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 2019-05-31 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Good morning. 

I paid Sears twice during in a balance transfer transaction and despite numerous attempts by me and promises by them to refund the money, we have yet to receive it. In fact, I learned yesterday from the rep I was speaking with that it was still under review because it is a " large amount ''. That it is being re-evaluated again because of it.

Sears clearly is engaging in subterfuge to hold on to our money despite the impropriety and perhaps illegality of it, in order to show ( perhaps ) that they have more assets in their credit card business than they actually do. 

This morning I sent them a message which I've attached. 

Thank you for reading this. 
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 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
XX/XX/2019 I received a letter from Key Recovery stating that I owed {$6500.00} to XXXX XXXX. I emailed Key Recovery on XX/XX/2019 to find out more information and never had a response. I contacted XXXX XXXX who stated and provided proof that my balance is only {$4400.00} with them. Key Recovery is charging me {$2100.00} in fee 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I observed an authorized several hard inquiries on my credit report listed below and have contacted the company via phone. I was informed that a dispute has to be done in order for the unauthorized inquiries to be removed form Transuion, XXXX and XXXX. The first hard inquiry observed was from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX in XXXX XXXX, XXXX, XXXX on XX/XX/XXXX. In XXXX and XX/XX/XXXX and also two hard inquiries from XXXX XXXX and XXXX XXXX. Which I did not authorized. After recent research, data breach information that was compromised and also several security measures that was added on my credit reports for precaution after being a victim. This has made my credit score tremendously decrease and also was not authorized by me. A few years ago my email, where I was employed, my address and passwords/ PIN numbers I had used for apps and credit cards were compromised. Once learned I had placed a security feature on my credit report which can be verified by all 3 credit bureaus. This security feature only last for a few months and the request process has to be done all over again. I am requesting for these creditors/ hard inquiries to be permently removed from my credit report account and all unauthorized charges are dismissed. Attached below are the amounts and the creditor listed on my report. Also attached is proof of my email, address and certain passwords/ pins that were used for majority of my bank accounts.

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