vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 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: MS

Complaint narrative:
Several letters were sent to XXXX XXXX XXXX for validation of account beginning in XX/XX/2018. The company sent a summary of account from the previous creditor but the items required for validation per law were never sent. After sending the second letter, XXXX stated they were uncertain of what the dispute was and asked for a written explanation and documentation regarding the dispute. As of today, I'm still receiving phone calls regarding this account and have yet to receive validation.

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 2019-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I opened my account at about XXXX MST on XX/XX/2019. There was a welcome bonus offer on their website for new customers offering {$200.00}. The bonus is being offered through XX/XX/2019. 

On the website there are 2 options presented. Open now and the coupon code is automatically applied or email me a coupon to take to a branch before XX/XX/2019. I clicked the open now button, completed my application and opened my Chase Total Checking account. 

I deposited {$30.00} into my account the same day and signed up for direct deposit. My first paycheck was deposited on XX/XX/2019. 

I never received a bonus. I called Chase Customer Service on XX/XX/2019 at XXXX. The representative didn't see a coupon applied to my account. He escalated my request to the research department. On XX/XX/2019 I received a call from XXXX XXXX. He left me a message and asked me to call him back at XXXX ext XXXX. 

I returned his call at XXXX MST on XX/XX/2019. He told me that the coupon team reviewed my online session and did not see a coupon applied to that session so he couldn't do anything. I asked what would cause it to not be automatically applied as stated on the website and he said " I don't know what you did during your online session but there was no coupon applied. '' I asked if I was ineligible for some reason or declined for the coupon. And he just kept repeating that there wasn't a coupon applied to my online session so he couldn't honor the bonus. I was never provided a coupon code when I applied online. The website says coupon code automatically applied and it wasn't for some random reason that no one can seem to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: GA

Complaint narrative:
On XX/XX/XXXX my school, XXXX XXXX, went through its billing cycle ensuring that classes were paid for. We the students patiently waited for our refund checks to be deposited or sent and weeks went by with no update. Now here we are at the start of XXXX and we are finding out through articles on the internet, not the school itself, that the funds for the refunds are not there. There seems to be nothing to school can do at this point to ensure all students receive their refunds. The school was to refund me a stipend amount of {$6300.00} but failed to do so. I need to understand how this can be remedied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
On XX/XX/2019 I received a call from a distant relative stating that they had received a call asking if they knew me and if so to have me call a provided phone number. I was provided the number and I did call. 'XXXX ' answered " Hello '' with virtually no introduction or phone system making it sound legit. He stated " I'm happy you called back so quickly '' with a clearly smug tone. I asked what company he is with and was informed " Direct Recovery Services ''. A company I have NEVER heard of or had any communication ( written or verbal ) with. He then asked me to verify the last four of my SS # which I refused given current Identify Theft statistics. After I refused and asked what this is about he said " If you won't verify then I'll just continue my investigation '' then stated " Good luck ''. I took this as a very threatening conversation and I am very nervous about what he may do next. I don't know anything about this alleged company and the debt ( whatever it is ) may very well be valid however the threatening tone of the conversation and the fact that they contact my distant relative who I have and would NEVER list as a reference or guarantor has me greatly concerned and now I have a " Looking over my shoulder '' feeling. I submitted a complaint to XXXX but I also wanted to try here, too. I am strongly considering a Police Report however with me being XXXX  XXXX and dealing with all my Dr . Appointments I am not wanting to have to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: NM

Complaint narrative:
Halsted Financial Services is harassing me by calling me multiple times between XXXX every day looking for someone that is not me. When I told them to stop calling they say ok and or just hang up before letting me get another word in. I've also called them and told them that the calls come in from a spoofed number XXXX in which I can't even call back because instead removing me from there call list they blocked my number and nothing is said from the robo call it just hangs up. 

Most agents refused to give me the company they worked for and it took me 3 to 4 calls to actually get someone to say that and where they were located. They call me from multiple phone number ID 's instead of there XXXX number. XXXX & XXXX XXXX are the two numbers just today that they used. 

I'm guessing Instead of removing me from there call list they only remove me from that specific account. I'm not that person and should NEVER be called because I don't have any debt in any agency. I've added my phone number for all calls to be recorded so I'll be attaching that to further cases if this harasment doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IL

Complaint narrative:
They are threatening a lawsuit I have the email and its very threatening which I think is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX Capital One ... 
Its has come to my attention that Capital one Has been party in preitory lending scams. .when I signed up for the journey of XXXX XXXX, I had no ideal ..The amount of money I have paid in fees, That are really masked payments, to get money from, unsuspecting customers.. 
I got cash advance loans and cerdit spending limits from capital one. Totaling less than XXXX XXXX, after all was said in done, after padding the debt with cerdit cards fees on every payment, and maintaince fees, on every account, i have paid my cerdit card debt twice over, if it was not do to Capital one ..I have sat down with my hard copies statements,, ,I requested a summary of the fees to prove my point.. 
But it has went to death ears,,, I will not be put in debt, due to under haned legal action .In fact the agreement is binding, unless broken, you Capital one broke the trust i have for Capital one ... Check out the information contained in my account, cerdit and personal. I have a excellent payment history ..I await a response of any kind. .. 
Other than XXXX XXXX XXXX , Financial Banking authority,, Or whomever, I will be responsible and delivering this message, I will keep my business activities to a minimum, until this matter is handle fair and just ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: PA

Complaint narrative:
I took a loan from avant it has a problem on the start i told them to take automatic payment on my savings and they took it out on my savings they told me to call the bank but its not fix so i just decided to fix it by just paying the fee so it will be no problem since nobody claims the mistake. After that i pay it myself i cancel the automatic payment. So i paid XX/XX/XXXX no problem and i paid XXXX in XXXX no problem and by the end of XXXX i made another payment for XXXX. After that i kept on getting email that my XXXX payment is due and i called Avant to fix it because i made a payment already and they told me just ignore it and a week i received another email that XXXX payment is due i called Avant again and they told me ignore it because i made they payment already and i told them make a note because i dont want to get charged by a late fee. Now it happens they charging me {$38.00} something for a fee that i dont know anything about it and even though them they cant figure it out. This is not fair and this look an overcharged on what they doing and its not fair. For 3 months no late fees and now they will charged me. I spoke to Supervisor name XXXX she dont even know anything about it. I hope that those people that have account with them to check their account before making a payment. {$38.00} is alot of money and they will get it for just like that. Please help me on this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX reported to all three credit bureaus that my XX/XX/XXXX payment was 30 days late. The payment was not 30 days late. My payment was due on XX/XX/XXXX. I paid off the entire account on XX/XX/XXXX. The XXXX payment was 19 days late, not 30 days late as incorrectly reported. XXXX and XXXX have already removed the incorrect information from my credit report. Transunion, however, has refused to remove the incorrect information from my credit report. The representative at TransUnion told me that the creditor can report a thirty day late payment on my credit report any time within a 30-day period. This information is also WRONG. Also, TransUnion has refused to allow me to re-dispute the incorrect information on my credit report.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I placed a fraud alert on my credit file on or about XX/XX/XXXX with the XXXX Credit Reporting company. I received an acknowledgement from the credit reporting company TransUnion on or about XX/XX/XXXX of the receipt of the fraud alert and it provided accompanying information on the method of receiving the free report associated with this status from the url fraud.transunion.com. This website was unable to process the request. A written request for the free report associated with the fraud alert was sent to TransUnion with the same documentary attachments requested of the free annual report. On or about XX/XX/XXXX TransUnion delivered another acknowledgement of the fraud alert on the account and its intent to inform the other two credit reporting companies of this alert. It has failed and refuses to meet its regulatory obligation of providing the free credit report. Please compel this company to meet its obligations and deliver the credit report.

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 2019-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX   or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS UNLIMITED OF TEXAS INC
State: TX

Complaint narrative:
I went and saw Dr. XXXX XXXX on XX/XX/2017 and paid him {$270.00} I was not happy with services rendered and I was refunded my money How can they put something in collections when I paid them and they gave my money back this is not right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I have called XXXX many times after ECMC discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to ECMC in which I had to have this issue discharged with ECMC.ECMC resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : XXXX XXXX XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late  XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late XXXX XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
ECMC {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to ECMC ( Educational Credit Management Corporation ) Account # : XXXX. I faxed the information to that company on 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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called XXXX many times after XXXX discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to XXXX in which I had to have this issue discharged with XXXX.XXXX resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my Equifax report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/XXXXNeeds   Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days  Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2019 I contacted XXXX XXXX XXXX through their website XXXX ( which no longer exists. ) I verified that I would like to adopt two of their XXXX XXXX kittens ( 1 male and 1 female. ) We went over the details of pricing and agreed to {$930.00} to be sent over paypal, as the owner lives in Virginia. This price included shipping the animals on flight where I could pick them up at the airport immediately. On XX/XX/2019 I signed the contract for the kittens that was sent via email and the money was transferred to a XXXX. The owner stated she would need a few hours to get certified copies of their vaccinations and etc. We did not hear from her until the following morning after reaching out for an update. On XX/XX/2019 the owner, XXXX XXXX, stated that she would be shipping them and they would be coming in that night. On XX/XX/2019 the cats were never shipped but XXXX received the money. Myself and my husband reached out about a re-fund but XXXX has not been receptive and her website for adoption has been taken down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
AFTER GOING THRU MY STATEMENTS FOR TAX PURPOSES I FOUND NUMEROUS CHARGES THAT I DID NOT APPROVE I CALLED MY XXXX  CARD TO LET THEM KNOW WHAT WAS GOING ON THEY TOOK MY CLAIM FOR ALOT OF CHARGES AND THE SAD PART IS I FOUND EVEN MORE AFTER I SPOKE WITH THEM THEY ASKED ME TO SEND IN STATEMENTS WITH THE INFO ON THEM WHICH MAKES NO SENSE SINCE THEY HAD JUST SENT ALL THE STATEMENTS TO ME, BUT I SENT THEM IN AND HAD BEEN WAITING FOR THEM TO GIVE ME IT BACK BUT THEN I GOT A LETTER SAYING THEY WERE REFUSES MY CLAIM THEY DIDNT SAY WHICH ONE OR WHY. I DID NOT DO THESE CHARGES IF SOMEONE IS SAYING I DID ITS A LIE AND I ONLY KEPT PAYING THE CARD OFF CAUSE I DIDNT WANT MY CREDIT MESSED UP I SHOULDNT HAVE TO PAY FOR FRAUD OF ANY KIND ON MY CARD

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