vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX at XXXX a.m., I called Capital One-GM Buypower Card Rewards ( XXXX XXXX XXXX ) and spoke with XXXX ( mgr. ) concerning shortchange in earned GM Buypower Rewards per advertising ( " 5 % earnings on first {$5000.00} in purchases every year, then 2 % unlimited earnings on purchases after that '' ). 
I indicated that first purchases made and posted for the year, from XX/XX/XXXX to XX/XX/XXXX alone ( {$7100.00} total ), more than satisfied the advertised criteria ; earning the maximum rewards permitted at established initial rate of 5 % ( {$1300.00} ). 
I was told by XXXX that application of earnings at said rates are effective upon cardholders ' anniversary date ( XX/XX/XXXX ) and purchases made qualified for 2 % rate instead ( {$66.00} ). 
I informed XXXX that neither throughout buypower.com website, nor independent card product endorsement advertisements, does clear specification of aforementioned " condition '' exist to inform current or future cardholders. Lack of such, is misleading and deceptive. 
I was told if I can furnish " proof '' of said advertised wording, it MAY be considered, otherwise there is nothing that can be done. To no avail, I repeated various times that specific language is boldly advertised on their own website with nothing to the contrary. 
At XXXX a.m., with " proof '' ( buypower.com screenshots, independent advertising ) to provide, I called GM Buypower Card Rewards and spoke with XXXX. 
Upon providing my information to establish identification, XXXX proceeded to dominate call by speaking over me with redundant and evasive scripted material ; denying / preventing me from speaking or furnishing " proof '' initially demanded. Call was terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
1st Franklin local office on XXXX XXXX in XXXX, AL has harassed me by calling repeatedly. I recieved 5 phone calls between XXXX XXXX to XXXX XXXX while I was at work. They left 4 voicemails with the calls. 3 of the 5 calls are 30 mins apart.

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 2020-01-21 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: MN

Complaint narrative:
Not my accounts reporting

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 2020-01-21 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: MN

Complaint narrative:
Not my accounts reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Pre-approved for auto loan at 3.23 % for a new car XXXX model year for up to XXXX XX/XX/XXXX USAA member # XXXX Confirmed the rate on XX/XX/XXXX at 3.23 %. Had to verbally go over the terms of the deal with USAA Submitted request for payment forms to Dealership {$61000.00}. 

Received a call from USAA that since it was a XXXX new USAA would not longer honor the confirmed rate and had to raise it 3.58 %. 

USAA refuses to honor the original confirmed rate. Please explain how this is not a bait and switch

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-21 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Fraud XXXX XXXX XXXX In XXXX my car was broken into passport credit card back pack 2 broken windows to gain access. The police report was the given officers badge number and report to credit card company boa travel reward. 
I was denied. requested it be resubmitted because have the proof. The claim was resubmitted the information. 
On XX/XX/XXXX approval letter was received by me. As of XX/XX/XXXX no refund was issued assured it would be there in 7 days. Spent Sat XX/XX/XXXX on the phone for 1.5 hrs because they are asking for the informations again Why I HAVE THE APPROVAL LETTER .I called today and they have reopened the case without sending me a denial letter nor do they have A DENIAL LETTER in their files. They are requesting police reports and sending the case back to XXXX on an approval. Tried of wasting my time in this circus that BOA has put me in. We are now at I need to wait for 45 days for them to approve it AGAIN. I am disgusted that they sent me and approval letter that meant zero

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 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: TN

Complaint narrative:
I did a modification with M & T bank back in 2014. I was told that the money owed would be put on the end of my loan. Today I found out there is a second mortgage of {$15000.00} that I knew nothing about. I was never told there would be a second loan! I spoke with a rep by the name of XXXX that was rude then got a supervisor by the name of XXXX. All these folks keep saying was this {$15000.00} was in paperwork I signed. As I explained to XXXX if I was told a second mortgage would be put on me then I would sign for it. M & T Bank and this other company basically has me owing almost {$85000.00} for a house worth {$66000.00}. I wasnt given any money so i dont know who got the {$15000.00}. I feel I should be let out of this since I was lied to the entire time. I want all communications between me and M & T listen to so you all can see I was never told about a second mortgage. I would have just let them foreclose before owing that much for this house. I am trying to purchase another home and owing this much wont allow me to sale this home or purchase the new home.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX  dispute number XXXX Federal law prohibits XXXX  providers from billing beneficiaries who are enrolled in the XXXX  program for XXXX XXXX XXXX  and XXXX XXXX deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the XXXX   program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of XXXX  Is Prohibited by Federal Law Federal law bars XXXX providers and suppliers from billing clients enrolled in the XXXX  program for XXXX XXXX XXXX and XXXX XXXX cost-sharing under any circumstances.

The XXXX  program provides XXXX   coverage of XXXX  XXXX XXXX and XXXX XXXX  premiums and cost sharing to low income XXXX  clients.

XXXX  is an eligibility category under the XXXX  Savings Programs and providers and suppliers may bill State XXXX  agencies for XXXX  cost-sharing amounts. However, as permitted by Federal law, States can limit XXXX cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the XXXX   program have no legal liability to pay XXXX  providers for XXXX  XXXX XXXX or XXXX XXXX cost-sharing.

XXXX   providers who do not follow these billing prohibitions are violating their XXXX  Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ).

PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY

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 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX I received a phone call that I thought was from Peoples United Bank and they told me I had fraudulent activity showing for my debit card which they could stop before it was posted.I then gave account number and online username then codes that were sent to me.Then was scammed out of {$1500.00} within 5 to 10 minutes.I contacted Peoples and put in a claim they responded back to me on XX/XX/XXXX saying that Iwould not get the funds back because I gave out information.I then called and asked for corporate to get back to me and never heard from corporate on XX/XX/XXXX they mailed another letter to me saying that do to the fact that I gave a third party account information they were not responsible for the money.I then called customer service and asked for someone to return my phone call and the called on Wednesday XX/XX/XXXX and said there was nothing else they can do.I believed it was Peoples Bank on the phone and thats why I gave information upon speaking to them after this they always ask for my account number and online username.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On theXX/XX/XXXX company called portfolio recovery associate has reported an amount of {$1600.00} to a all 3 bureau I contacted them that it s not my account I have never ever open that account it s a fraudulent account someone open it under my name but they did not resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: AZ

Complaint narrative:
I just applied for a Mortgage and became aware that a negative credit report with XXXX and XXXX has not been withdrawn by Monterrey Collection Agency despite being contacted several time by myself and my attorney XXXX XXXX XXXX in XXXX. I attended a meeting in XXXX XXXX XXXX in XXXX for promoting a week Timeshare with the XXXX XXXX and signed a commitment to purchase with the understanding that we will try the timeshare for few days before a final commitment. We used the three days offered by the Company XXXX XXXX and found the place NOT satisfactory, the beach was invaded by vendors and the Hotel facilities were far from expected. We let the Company know of our disappointment and advise them that we will not be part of the timeshare program. We the received in XXXX several calls from Monterrey Collection requesting payment of {$15000.00} with interest accrued the total requested was {$24000.00}. My attorney advised that the document was signed in XXXX and could not be enforced in the USA unless ordered by an Arizona Court, that as a case of legal matter this agreement would be controlled by the Arizona Revised Statute 12-544 since it was signed outside USA and outside Arizona and the limitation period is 4 years. See attachment. We never used the facility or the timeshare beyong the three days offered in XXXX and was not aware that a negative report was filed on Credit Bureau until we applied for a Mortgage in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: GA

Complaint narrative:
In XX/XX/XXXX I applied at the same time as my husband did we both submitted the the same household income his credit score was about XXXX my score was about XXXX. My husband received a credit limit of {$9000.00} and I received a credit limit of {$4500.00}. I contacted the company today online and below is the explanation I received from the company today XX/XX/XXXX regarding this matter. 

Discover You're very welcome and thank you so much for your patience today. Keep in mind that messaging is a conversation that stays open to you so you can come back whenever you want. We'll respond to you as soon as possible and send you a notification once we do. I can certainly understand your concern in why your approved credit line wasn't quite aligned with the same household income as your husband. Just know that we process applications for the maximum credit line you may qualify for. Everyone 's credit information varies and that's how credit lines are determined. However, you can request a credit line increase after 3-6 months. Was this information helpful?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Hi Team, Thank you for your time. 

A gentleman used his credit twice to lease XXXX and XXXX Hyundai. I made the payments. XX/XX/XXXX loan papers completed to buy out lease of the XXXX. I am listed as the buyer and the gentleman as the co-buyer. 

{$36000.00} financed, {$780.00} per month covered by me for XXXX months. With no communication or request, the gentleman paid the next XXXX payments. I paid XXXX. On 29 days past due, the gentleman hadnt surprised me with the mystery gifting. Hyundais website would not allow me to make payment as it had the XXXX previous times. Photographed and later sent to Hyundai dispute department, the screen notice reads : Your account is not eligible to make a one time payment at this time because your account is inactive or you have no more payments remaining .... Customer Service : XXXX XXXX XXXX XXXX. 

XXXX XXXX, financial services rep available. I made the payment. The rep said to me, good thing you paid, you can be towed on the 31st late day when there is a LEGAL HOLD on your car. What is that? ... .. she talked to management and then relayed to me that she could only talk to the buyer or his ATTORNEY. What attorney? 

My XXXX club could not tell me what a Legal Hold was, in this scenario. DMV could only tell me that the record looked good from their end. Hyundai dealership that sold me the car could only instruct me to try corporate again. I did, and same as before, they would not tell me what was going on. I was told it was being escalated to the RECOVERY DEPARTMENT. 

I use my name and social for all login and verbal communication with finance. The finance website labels the account with gentlemans name. A payment history I recently requested came to my temporary mailing address in the gentlemans name. Hyundai Assurance Car Care mailings are addressed to me. The California DMV registration reads : Me or the Gentleman. 

Why did the dealership have the XXXX year old gentleman sign as co-buyer if it was only his credit that makes the sale possible? Why did Corporate then reverse those positions? Is this just a Legal way to make the sale and get the numbers to crunch? Why does the attorneys presence get the company to stop treating me as a loyal customer? 

A Promise to Us written in the sales contract I signed reads : You ( I ) agree not to expose the vehicle to misuse, seizure, confiscation, or INVOLUNTARY TRANSFER. I will keep this aspect of the contractual promise just as I have kept my payment promise. What possibly could I have done improperly to deserve being kept in the dark about why the car I am faithfully making the payments on is being referred to the Recovery Department?

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 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX is saying I owe {$840.00} for a magazine subscription. I was trying to win a {$100.00} gift card and one of the things offered was this magazine subscription. They said I had within 14 days to cancel. I did not receive any Bill or any information about this company until AFTER the 14 days were up. It came after the 14 day limit. Therefore I could not cancel within the 14 days because I did not have their phone number. After I got their Bill I called and told them to cancel. They refused saying I should have cancelled within the 14 days. I could NOT cancel because I did not have the phone number or the Bill. Now they have sent me a letter from the Interstate Recovery Service saying my debt is in collections. I looked online and the Interstate Recovery Service is a fraudulent company that has numerous bad reviews. I do not believe it is a real company. I called the number and a woman answered and said Hello? There was no automated voice and no numbers to type. She just said Hello? I said This is a scam. And she said How dare you talk to me that way? That cemented my belief that they are a scam company. When I got the Bill saying I had 14 days to cancel after the 14 day period I called and told them to cancel. The woman refused. So I changed all my credit card numbers. Now they say I'm in collections. I am filing a complaint against XXXX XXXX AND Interstate Recovery Service XXXX XXXX XXXX XXXX  XXXX, VA XXXX. Their phone number is XXXX XXXX XXXX. I refuse to pay {$840.00} to this scammer.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I just recently disputed two portfolio recovery associates, LLC accounts that the same company had contacted me to fill out the information required to prove that these two accounts were and have never been mine. I had also included a letter explaining what has happened within the prior years of these debts occurring. I do not know what Portfolio Recovery Ass. did with my paperwork but XXXX contacted me letting me know once again that these two accounts were VERIFIED ACCURATE. XXXX does not have any phone number available for a person to call and talk to someone about any concerns. They only have automated phone messages.

I just sent copies of the letters I sent to Portfolio Recovery Associates along with my dispute to XXXX to see why once again they continue to leave these accounts on my credit file. The accounts were fraudulent many years ago. I also have requested that they are blocked from my report. I am very tired of disputing accounts that aren't mine regardless of Portfolio Recovery Associates sending me copies of statements from the original company debtor. These statements mean nothing to me when I wasn't the one who created the debt. Actually, they prove nothing but balances owed on accounts. XXXX seems to continue appeasing this collection company by stating that the debts are valid instead of listening to ME! I also was told that if I disagreed with the results of the dispute I could write 100 words about my side of the story on why I disagree with the results. There is nowhere on the site that allows me to do so. I am adamant about getting these false charges off my report and I am not receiving the assistance I need to help me get this done!!! If you look at my disputes from the past, I have continually fought these two debts being false. When is someone going to listen to me?

Company response to consumer: Closed with non-monetary relief