vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
My husband and I broke our lease at our apartment complex when we purchased our home. Our apartment complex was going to charge a large processing fee to run our credit card so i chose to allow the account to go into collections and to pay then directly. I called the exact day this awful company received my account to attempt to resolve the account. I spoke with XXXX XXXX ( one of the rudest people on the face of this planet ) and she discussed my debt without verifying me or giving me the Mini Miranda ( required by federal law ) and advised me that if i paid $ XXXX/month she could prevent the account from negatively impacting my credit. When i mentioned she had not given me the mini miranda she got very hateful and ugly with me and said that she did not like my attitude and because of that she would not allow me to prevent credit reporting and if i did not resolve the account in 30 days she would make sure it was credit reported. When i mentioned this was a UDAAP violation she then transferred me to her manager ( who isn't a decent enough person to be an employee of a minimum wage fast food chain much less a manage ) and when she said she could assure me the account would not hit my credit in 30 days i said i was aware that it wouldn't hit my credit in 30 days because that would be illegal. She got very ugly just like everyone within her company and said " when did you get your law degree ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: CA

Complaint narrative:
I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I attempted 5 times in one day to purchase flooring online at XXXX XXXX. I had over {$10000.00} in available credit. The flooring cost about {$7600.00}. Each time, Capital One denied the purchase, due to a " Fraud Alert '', despite the fact that I confirmed the purchase 4 times by text and 3 times by phone. I provided my SS number, birthdate, confirmed a code they sent me, etc. Each time they said it was cleared and then denied it again. I wasted an entire day trying to make this purchase. Each time I was denied, I had to contact XXXX XXXX also, to clear the purchase so that I could try again. I need this flooring and they do not carry it in the store. I also work and now I guess I have to get to the bank, take out cash, and go to the store to place an order. What is the point of a credit card if you can't use it. The last Capital one rep I spoke to could not provide me with any reason why I was being denied and basically didn't do anything to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 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: NY

Complaint narrative:
Today XX/XX/18! I received an updated transunion credit report. The account XXXX is still reporting as an adverse account. They did not fix it. I spoke with XXXX a few times in regards to this and was told this account will be moved to accounts that are satisfactory. This account was never paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IN

Complaint narrative:
On XX/XX/XXXX, I had made a credit card payment through my account by accident while my bank account was negative, which would would balance out in the timeframe of my direct deposit. Instead, the bank allowed that ach transaction to go through before XX/XX/XXXX and assessed an overdraft fee of {$36.00}. At this point my account was negative, but as of XX/XX/XXXX they show on their record a return of that {$140.00} amount and assessed a {$36.00} fee for returning that amount. On XX/XX/XXXX, I attempted to call US Bank customer service to discuss transactions regarding my account since my most recent direct deposit from work. They informed me the amount wouldn't reflect as being refunded to my available balance, rather on their explanation that's something they do to show in accordance to federal regulations so they stay in good standings ''. So along with showing a returned amount that was NEVER refunded, they also penalized me another {$36.00} for an ACH transaction going through. Which according to them, is the way they treat their new customers. I attempted to ask for a phone number to corporate office, and I was informed they didn't have one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unable to utilize an external bill pay service through online banking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Freedom Mortgage Company
State: TX

Complaint narrative:
Company : Freedom Mortgage ( Ironic name ) XXXX XXXX XXXX XXXX, TX XXXX Background : We were selling our home and had closed on XX/XX/XXXX and were assured that the wire transfer would be received before XX/XX/XXXX. 

On XX/XX/XXXX I called Freedom Mortgage at XXXX and spoke with XXXX ID : XXXX. I was calling to make sure that if the wire transfer was received that day that there would not be a hit on our credit. The representative placed me on hold and assured me that it would not affect my credit. I was willing to make a payment but since he started as long as your closing documents show before XX/XX/XXXX. It will not affect your credit I was on the phone with this gentleman for 20 minutes to ensure there would be no discrepancies with my credit. Yet here now I have a late payment reported from this lying company that has dropped my score over 100 points!! 

Our documents clearly show that we closed before XX/XX/XXXX!! When I called in ( talked with XXXX ) I was willing to make a payment!! I even asked if I needed to send in my documents showing we had closed on that date! 

I am absoutely FURIOUS that I was lied to! I had the money to make the payment and was happy to do so!! The call with XXXX was recorded and all of the conversation and my attempts to take care of this can be heard. 

Because I had made an honest attempt to resolve this, reached out to ensure that there were no problems, and was LIED TO about what would occur next from the companies representatives, the correct thing for Freedom Mortgage would be to remove the derogatory mark from all 3 of our credit reports. They got their money! All XXXX of it!! Why would they need to ruin the lives of three people trying to get by.

I would appreciate a prompt response to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit union has repeatedly garnished our bank accounts for a credit card we had while we were in the military. We had paid for insurance to pay off the debt if we were XXXX due to service, but they refused to honor it, and gave us the run around for 2 years to purposely cause the coverage to no longer apply. They have seized XXXX payments from the VA, which is illegal to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: PA

Complaint narrative:
In XX/XX/XXXX, I paid my mortgage as usual ( automatic payments ) Towards the end of the month in XX/XX/XXXX, I got the the money credited back to bank account. When I finally got in touch with someone ( after numerous attempts of being left on hold for 40 minutes+ ) they  explained my taxes hanged therefore my payments increased slightly. Because of the increase, my payment wasnt considered a full payment so it was returned. I asked about being informed of this and was told I should be getting the notice any day. Why wasnt told about this prior to the payment due date?!?! Needless to say I sent a double payment to cover XX/XX/XXXX and the XX/XX/XXXX payment which was refunded, enough to cover the increase. I have paid every month since! I continuously get calls and letters and that I am in default of my mortgage! I called 4 times! First, they apologized and explained that since it was a double payment they applied the additional money to my principal rather then applied it as my regular payment. I continuously call and Im told they fixed it and reapplied my payment appropriately and the calls and letters are an error and to ignore them. However, they are saying my loan is in default and have reported consistently to my credit that I am not paying! When I called and explained this they told to write a letter to the credit bureau!!! But yet I got another letter today saying Im in default and get calls from them 5 times a day asking to call them for a collections matter!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been making all payments to my loan. In fact I have been paying in excess of my monthly payment. The problem is that they are not applying the excess to my principal but rather they are using it as a pre-payment for the next month. 

I am tying to reduce the principal and payoff early. But they keep this from happening by using my excess payment to " pre-pay '' future payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
On XX/XX/2017 found debt on account in amount of {$1900.00}. Ex-spouse obtained loan during my XXXX using my name after trying to have item removed amount on credit report jumped over {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
I received one letter, dated XX/XX/XXXX, from Phoenix Financial Services stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: CA

Complaint narrative:
XXXX XXXX ACCT NO XXXX IS REPORTING ON MY EXPERIAN AND XXXX FILES.EXPERIAN IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
XXXX approved me for its credit card offering 0 % financing for the first six billing cycles, to which I set up auto-pay for the minimum. 

Upon receiving the fifth bill statement, I sent secure message XXXX XX/XX/XXXX XXXX XXXX : " My promotional zero percent financing will end in the sixth billing cycle, XX/XX/XXXX, auto-payment on XX/XX/XXXX. Can I set that and all future payments for the full balance to avoid any finance charges? '' XXXX, XXXX, replied : " Changes to the AutoPay amount will not take effect until your account has gone through a complete billing cycle. '' Since the fifth cycle, XX/XX/XXXX, already completed with a minimum auto-payment set for XX/XX/XXXX, I successfully changed auto-pay for the sixth cycle, XX/XX/XXXX, to full balance for its XX/XX/XXXX payment due date, just as I had asked and XXXX instructed. My XX/XX/XXXX statement shows full payment credited on XX/XX/XXXX, but " XXXXnterest Charged ... .+ {$24.00}. '' I complained to customer service, but XXXX merely replied that since the intro rate expired XX/XX/XXXX, payment for all charges through XX/XX/XXXX was due on XX/XX/XXXX. I argued : " I reasonably relied on your reply that I should set auto-pay to full balance ; you did not say that I must pay the XX/XX/XXXX balance by XX/XX/XXXX, which is impossible. If you had said that I must make full payment by any later day [ ( XX/XX/XXXX ) ] to avoid any interest charges, I would have done so. '' I repeatedly asked to escalate my complaint to a supervisor, who still has not responded.

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 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase credit card has reported inquiries on my XXXX credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I haven't applied for credit with chase card. These inquires are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 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: CA

Complaint narrative:
XXXX XXXX ACCT NO XXXX IS REPORTING ON MY XXXX AND TRANSUNION FILES.XXXX IN DISPUTE VERIFIED THE ACCOUNT. 
I HAVE NEVER ORDERED XXXX, RECEIVED OR USED THE CARD OR RECEIVED ANY MERCHANDISE.IT IS IMPOSSIBLE TO PROPERLY DEBT VALIDATE AS IT HAS NOTHING TO DO WITH ME.THE OPENING OF THIS ACCOUNT IS EXACTLY AND ENTIRELY FRAUDULENT.PLEASE FINE THE BUREAUS FOR VERIFYING THIS ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SQUARETWO FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed XXXX XXXX XXXX account ref # XXXX last XX/XX/2018. More than 30 days have passed and still the account is still on my credit report and found several other violations of both FDCPA and FCRA. I have attached a separate document showing what I have found on my credit report, proves that no proper investigation was conducted Violations such as reporting inaccurate/incorrect dates, misleading/incorrect information, reaging etc. They were given more than 30 days to fix the issue and nothing have been done. This is my last resort before I get a legal counsel involve.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I purchased an XXXX laptop at the XXXX store using my XXXX credit card. I was informed at the time of purchase that the promotion was 18 months with no interest. They only gave me 12 months with no interest and them charged me the interested owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting on experian XXXX and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pendrick Capital Partners Holding, LLC
State: OH

Complaint narrative:
I received one letter, dated XX/XX/XXXX, from XXXX XXXX XXXX stating I had a collections balance of XXXX with two separate creditors, XXXX XXXX XXXX on the front, and XXXX XXXX XXXX XXXX on the back for a medical service rendered XX/XX/XXXX. I had never received any previous bills from " XXXX XXXX XXXX which does not exist, as only XXXX XXXX could be found on XXXX, and it refers to XXXX Hospital in XXXX. I have also never received any bills from XXXX XXXX. The item was reported to the credit bureaus on XX/XX/XXXX. The letter states they have attempted to contact me, and are willing to let me pay a reduced amount to settle it, but makes no mention of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was attempting to open a online investment account with ( XXXX ) Investment services. after the final step which required me to apply my bank Routing number.The online investment service contacted me stating the my Bank, CAPITAL ONE is blocking me from attempting to have access to my Bank external information. After contacting my Bank Capital One i was told that i can not have access to this information, when i questioned that decision. i was told that maybe its because i have a " FRAUD '' alert on my account. What does a Fraud Alert has to do with me opening a online investment account?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting on XXXX XXXX and transunion.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: CA

Complaint narrative:
XXXX XXXX XXXX is reporting on XXXX equifax and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.

Company response to consumer: Closed with explanation