vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Compass Recovery Group, LLC
State: NY

Complaint narrative:
On XX/XX/ 2019, a representative from Compass Recovery Group contacted my son and left a message on his cell phone with an XXXX number for me to call them. When i called this number, I was surprised to see it was a collection agency. The woman i spoke with did not verify me by name, address, DOB or give me a Mini Miranda warning.She also did not tell me how much the debt was. After I explained my financial situation and living arrangements ( I'm out of work on Worker 's Comp and receiving NO benefits ; I live with my elderly mother and care for her. She is on a fixed income ), she kept insisting I ask my family or friends to help pay this debt.She then stated they would just turn it over to another associate and get a judgement. I told her to go ahead. I have no dispute with my owing it. 
What I have an issue with is the direct violation of the FDCPA. I recently worked in collections and I know the laws. There is also a HIPPA violation with this woman not verifying me and disclosing sensitive information. A debt collector may also not leave messages.

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 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: PA

Complaint narrative:
In reviewing my credit report, I noted a medical debt and have attempted numerous times calling the company listed on my report to resolve it. I have called probably 8 times, each time am placed on hold for 20+ minutes by an automated system. I select the option for an automatic call back and they never call me back. I am trying in good faith to resolve the debt and receiving no reply from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by Capital One Auto Finance, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote Capital One Auto Finance directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and XXXX  directly, return receipt mail, to notify them that since Capital One was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address Capital One 's data furnishing negligence and willful misconduct. I am hoping that directly disputing Capital One 's data furnishing practices will be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I have had a citi|best buy credit card since XXXX. I would occasionally make purchases because of the attractive 0 % for 6 or 12 month option. In XXXX I received a credit to my account for approximately {$400.00} and when I called was told that this was a refund due to an issue with some form of debt protection service. I have been a XXXX  XXXX my entire adult life so my initial ( nave ) thought was that it mistakenly got put onto my account & that they recognized the error and corrected it. Today XX/XX/XXXX I was checking my balance and found that my balance had not decreased in the correct amount. After reviewing, I found that there was a consistent charge that has been applied for the last 5 months labeled " credit life insurance fee ''. 5 months is all that I can review, I have no idea how long this fee has actually been effecting my account. I have NEVER opted in for any add on 's such as credit life insurance, or payment protection of any kind. What Citi is doing Is pure FRAUD. Consumers need to beware this company will go to any extent to make dime. I contacted citi and they said that " they cancelled the coverage & will review my account for a refund '' They told me that I will either see the credit to my account or receive a mailer in 30 days. After researching online it appears that this is there typical response, I have not read one situation where they refunded the fraudulent fee 's. It is completely asinine that this company is still allowed to operate this is a complete scam.

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 2019-03-13 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX XXXX XXXX -XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX set up bill pay with XXXX XXXX for my mortgage at Santander.  Apparently the payment was sent to Santander Consumer division XXXX {$2200.00} was withdrawn from my XXXX checking for my mortgage payment XXXX received late notice from Santander I called XXXX and they told me they would send me proof of payment letter that I could forward on to Santander XXXX sent proof of pmt as instructed to XXXX Attn : Subject line was my mortgage # and attn : XXXX XXXX I got the fee reversed and made my XXXX pmt so I wouldn't be reported to the credit bureau XXXX I called XXXX XXXX spoke with XXXX, transfered me to a supervisor XXXX - response they are working on it should have an answer on XXXX XXXX I ask for another proof of payment for my files from XXXX XXXX called and was told they don't have it and the XXXX XXXX XXXX was mailed to is not theirs and they suggested I put a stop on the check. I explained to them it was an ACH pmt and XXXX  provided them with the reference # and proof of payment. They told me to call XXXX bank XXXX Bank XXXX called XXXX I was on the phone 2 1/2 hours. I asked if he could work on it and call me back but he said they can not may outgoing calls and as soon as I were to hang up he would be on a new call. At first it sounded like they are going to help but the end result is in 3 - 5 days you'll have an answer - NO answer NO money XXXX called again and spoke with someone in the Tech Dept for 45 minutes and it sounded like I was going to be all set. They were going to have their bill pay provider XXXX call Santander and get it resolved and I should see the money in 3 - 5 business days XXXX I called again and spoke with Tech Dept again because they told me to call via a secure message in my online banking. I had to start my story all over from the beginning. It seems that No one individual can help. They got XXXX on the line and conferenced me in with Santander consumer loan division, which is apparently where my payment went. Again No help. XXXX called me back and conferenced in Santander but they would not talk on a recorded line. So someone special had to call me from XXXX on a non recorded line we call XXXX at XXXX ( the number I was calling for 3 months. It was decided that XXXX would send yet another proof of payment and said again you'll be all set in 3 -5 business daysl

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to return both my instore and online purchases today and was not helped as expected. I ordered a watch a couple of weeks ago and paid XXXX. I also received XXXX in kohls cash for buying the watch. I turned around and bought items online and realized the XXXX spent did not get 30 % off. I talked to someone at the corporate office who said because I used Kohls cash no discount applied and did tell me if I want to return all item I could but to get full refund I need to wait for my online order to be delivered return it so I would get kohls cash back then return the ring and I would get full refunds as I was going to cancel my account and wanted full refunds. Today I go and manager XXXX argued me so bad customers scolded him and told him he should take care of me. All I wanted was my full refund on the ring I returned it and was given the refund of XXXX and told spend the kohls cash of XXXX to get the difference back I advised I want to buy nothing more and XXXX at the corporate office original said he should be able to void the cash and give me full refund but when he asked her how o do it she changed and said no refund would be given. Kohls is supposed to have hassle free returns and now I'm out XXXX in real money I plan not to use this Kohls cash. I want my full refund. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: NY

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX {$16000.00} XX/XX/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 2019-03-13 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: NY

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX {$16000.00} XX/XX/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 non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I purchased an XXXX XXXX XXXX XXXX from XXXX on XX/XX/2018. The  first day I purchased the car upon leaving the dealership I noticed that the entire driver side of the car was kinda of shiny with a different colored paint. As i went to inspect the car more in detail ; I rubbed my hand across that area and it hard very rough and hard. I informed XXXX of my issue. I had to leave the car with them about an additional week before receiving it back from repairs. About 1 month late around XX/XX/2018 I had to take my car in the shop again due to engine and service issues. This was repaired per the XXXX XXXX, but I was responsible for the deductible. The car was having issues with the engine and broke down on me. In XX/XX/XXXX I had to place my car in the shop again due to similar issues, and also something with the electric components in the car causing my headlight to go out. Again, I had to pay out of pocket to get that fixed ; minus the Careplan coverage. My car went back into the shop again in XX/XX/XXXX due to more service issues. After this repair I was pretty much done with the car and the deal. I contacted XXXX and numerous occasions regarding the issues I was experiencing with my car. I left over 7 messages for the General Manager of the location. I refused to keep paying for a car that had continuously given me problems from the time of purchased. I made several attempts to surrender the car back to XXXX and cancel the loan. I contacted their corporate office ; who in turn refused to help me. I surrendered the car to the bank due to refusing to make payments for a car that did not work. I feel how i was treated was unjust and that XXXX failed to deliver on their promise of providing great service. 

I would like for XXXX to cancel out my loan with Santander bank and cover the charges of my repossession due to the car having significant issues within a short period of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Roundpoint was negatively reporting on my VA Home Loan during a mishap of payment while XXXX  to XXXX XXXX   on XXXX XXXX XXXX. I disputed and then filed Ch XXXX   Bankruptcy including any debt owed to them. They transfered loan and claim there debt was valid. They are showing improper and illegal late fees and balances according to Service Members Civil Relief Act and the fact that I included them in Bankruptcy. Please delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, # XXXX {$11000.00} ... XXXX XXXX is falsely reporting inaccurate info to the credit bureau ( Equifax ), I disputed the inaccurate info with Equifax and sent police report I filed when my wallet was stolen. On the updated dispute results I received on XXXX, Equifax stated the company wasn't reporting on my file but I was notified by my credit monitoring service the account was reported XXXX and it's still on my credit report. This is not my account it doesn't belong to me. XXXX is under investigation as we speak for trying to collect on false accounts the company has been shut down for not having license to collect. No validation of this debt as Equifax has claimed. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$12000.00} XXXX XXXX is reporting inaccurate info this account doesn't belong to me I don't have a contract with this company. I've disputed with Equifax every month for the past 3-4 months with no response from the company or Equifax/XXXX to get this inaccurate info removed off my file. No validation of this debt at all as Equifax has claimed. XXXX never responded o my dispute. Please remove this fraudulent account off my credit file thank you. 

XXXX, # XXXX {$1200.00} XXXX XXXX is reporting inaccurate info on my Equifax and it's a fraudulent account and it doesn't belong to me. I've disputed this account with the company and Equifax with no response or validation of this debt as Equifax claimed. Please remove this fraudulent account off my credit file. 

XXXX, # XXXX {$330.00} XXXX XXXX is reporting fraudulent info on my credit file. Not my debt I have disputed with Equifax with no response I asked for validation and have yet to receive it. This is a fraudulent account and it doesn't belong to me please remove this inaccurate info off my credit file thank you. 

XXXX, # XXXX {$960.00} XXXX XXXX is reporting fraudulent info on my Equifax credit file this account doesn't belong to me, I asked for validation of this debt and no response in months from Equifax in regards to this inaccurate information. This account doesn't belong to me please remove thank you. 

XXXX, # XXXX {$2100.00} XXXX is reporting inaccurate info on my Equifax credit file that is fraudulent and inaccurate. I have disputed multiple times with Equifax with no response. Please remove this fraudulent account off my file thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have an older loan with Capital One for an XXXX and and a newer loan with Capital One for a XXXX. When I obtained the XXXX loan I requested a loan with identical due date and auto pay as the XXXX loan. I pay a small amount additional payment each month to be applied to the principal for a less interest charge the next month. This has worked perfectly with the XXXX. The XXXX is a different story. I paid my monthly payment on the due date of the first of the month from XX/XX/XXXX through XX/XX/XXXX. I paid an additional amount of {$15.00} a month to be applied to principal. I find out today that they have not been applying the additional principal but instead they have been just crediting it towards my next payment. I think this is terribly dishonest and just a way to keep my additional money without crediting the principal. They have " explained '' that it is because the payment is due on the XXXX for the XXXX and the XXXX for the XXXX. They say that they have 2 days extra time to apply the additional principal payment for the XXXX but since I pay the payment due on the first on the first they can not apply it to the additional principal but instead apply it toward the next month 's payment. I believe that if my payment is due on the first and I pay it on the first they should apply it towards my principal otherwise what is the point of paying an additional amount? This seems like utter nonsense to me. If this is the case Capital One should have set up the payment as I requested identical to my previous loan. They are basically just holding my additional payment with no value to me only value to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
They have called non stop i ask them to not call me especially when im at work i was almost fired over the calls i was in a meeting they always say i promise to not call again but they still do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
First, Im a XXXX veteran on a fixed income. Im property tax exempt. XXXX 2018 my township sent a bill to US Bank for my 2018 property taxes, this should of NOT happened. I had it out with my township and then called US Bank to ask them why they paid and why I was being charged XXXX $ per month. I have not missed a monthly payment. I argued with USB that I wasnt going to give them XXXX $ extra per month for how many months only to get it all back when the township sent the tax money back, which they did. I paid my monthly mortgage at the original amount, USB took the money and put it into a holding account until the they received the full mortgage amount at that time ( mortgage + taxes ). By doing this they have put me a month behind. Now they are charging me late fees every month even though I have never been late. I have called numerous times, they want me to make an extra payment. Sorry, but being a XXXX veteran on a fixed income, I dont have a XXXX $ laying around. They are also reporting this to the credit agencies. A XXXX dollar company and this is how they treat a XXXX veteran. If you are a veteran or not, do not use US Bank! They dont care about you or me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion Credit Reporting company - signs up the user automatically for a {$20.00} per month " credit monitoring fee '' when simply visiting the site to understand the current report. 
This large company operates a very misleading and essentially fraudulent web site as it implies it is advancing to the one free credit report, but it is actually signing up the visitor for a pay as you go service. 
They did cancel the account for me after I called and spent time on the telephone, but they should not have any license to operate as they intentionally mislead the public regarding credit reports. 

I hope they are removed from any activity within the financial reporting system in our country. They are a complete fraud

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