vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I applied for the Chase Freedom Card and Chase Sapphire Preferred Card on XX/XX/2018 and both of them have been approved on XX/XX/2018. However, on XX/XX/2018, someone from Chase called me, said that they could not approve 2 credit cards. The previous approvement was a mistake. So they closed the Chase Sapphire Preferred Card on XX/XX/2018. However, today I checked my credit report, finding that the Chase Sapphire Preferred Card is shown in my credit report and its status is closed. Since I never used this card, and never activated it, I think the Chase Sapphire Preferred Card should not be in my credit report. Today I called Chase 's customer service, and they told me that they could do remove the card from my credit report. I think it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2018 I purchased a ticket for my brother on XXXX XXXX. There was a problem with the way he was treated, I told AmEx, they CREDITED my account the full amount of {$810.00}. 

XXXX XXXX is not accepting that. I told AmEx that XXXX XXXX is not accepting that. AmEx told ME to tell XXXX XXXX to contact AmEx. I did tell XXXX XXXX that and they said that AmEx always sides with their customers and I am still responsible for the full amount of of {$810.00} Every morning at XXXX XXXX I get a computerized call because this bill is not unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On my wife 's credit card we are being charged a {$38.00} dollar late fee. The supervisor by the name of XXXX refused to give the {$38.00} dollar credit. I then requested a reduction in the APR from 24.65variable. The supervisor stated that this was the best APR! Really? 
Please have an executive of a call center manager review the case and credit the late fee and reduce the APR. We have a combined number of credit cards with Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Direct Recovery Services, LLC
State: RI

Complaint narrative:
Received call XX/XX/2018 (? ) concerning credit bill. Company is Direct Recovery Services XXXX. During that call I stated I did not recall " XXXX '' and requested billing information. I since received a Text on cell phone and several automated voice mails from this company. On XX/XX/2018 I received a letter on letterhead stating I owed {$790.00} and call them for payment options. I was finally able to reach XXXX XXXX who did recall speaking with me in XXXX. I again requested detail billing information for credit card - I have been a victim of identity fraud and stated if the debt is mine I would call back to review payment options. XXXX stated she would have to " request this information '' I stated I thought that was done in XXXX. I stated I was not going to discuss payment options until I was able to verify the debt was/is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Exeter who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2018 I was approved for a XXXX XXXX card through Capital One. I received my new card on about the XX/XX/2018 and I tried to activate it, I contacted Capital One and they told me to attempt to make a purchase, and if it wasnt working then to call their customer service line. On the XX/XX/XXXX I called their customer service line and I was informed by an automated system that a new card was currently being sent through the mail to my house. Confused, I messaged Capital One again and they told me to call their customer service line. Frustrated, I decided to just wait until my new card got to my house. On XX/XX/2018 I called their customer service line to ask why my card hasnt been delivered yet and told them about my situation. The man was confused why they said they were sending me a card, and was somehow able to activate my card. After that phone call I made a purchase of about {$60.00}. Sometime in the beginning of the month of XXXX, I tried to link my XXXX XXXX card to Capital One so I can make a payment, it wasnt working. I called them once again, and the man explained to me how to link it and what website to go to. I tried a great number of times over the next couple weeks hoping it was just the website crashing. I thought maybe it was the device I was using so I tried on my XXXX, laptop, and even a computer. Nothing was working so I called Capital One on about XX/XX/2018. They said they needed to send me a new card but they couldnt until I made a payment. I didnt have the time to get my bank account information right then and there, and I was frustrated because they wanted me to pay a late fee so I told the lady Id call again. I waited until I had more time to figure out the details, which was on XX/XX/2018 so I called and I paid everything off except the late fee. They told me they couldnt waive my fee because they already had the month earlier for the same exact reason, the supervisor understood and was empathetic but she explained that she didnt have the authorization to waive fee. I have never had a late payment on my credit report. This is the only problem Ive ever had with a missed payment, and it was because there was a whole lot of miscommunication and confusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...

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 2018-10-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX Account number XXXX ... keeps reporting a balance of {$27000.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$24000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact XXXX who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...

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 2018-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$6800.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$5000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Santander who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
Re : Account # XXXX Dear Ability Recovery Services OnXX/XX/2014 I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the XXXX XXXX XXXX XXXX, verification requires all of the following : 1 ) Proof of my agreement to pay the original creditor 2 ) A copy of the final account statement issued by the original creditor ; 3 ) A breakdown of the total amount due, showing principal, interest, and other charges ; and 4 ) For all other charges, the date of and the basis for each charge.

I dispute this collection because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, I have disputed this account with you numerous times and its still reporting on my credit report XXXX  and XXXX. 

Ability said that they deleted the collection but after waiting more than 14 days this collection is still reporting. That is a violation. I will have no choice but to report your company to the FTC if this collection isnt deleted off XXXX and XXXX in 30 days. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the XXXX XXXX XXXX XXXX ( section 5-77 ) require that you honor this request. 

Sincerely, XXXX XXXX XXXX Cc : Ability Recovery Services Federal Trade Commission Consumer Response Center XXXX XXXX XXXX Department of Community Affairs

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 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I paid off my loan for XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made 5 years of payments. It is XX/XX/XXXX and I still have no title. I have called XXXX XXXX XXXX   several times and they keep telling me they processed it XXXX XXXX. I have not received. They seem to be very uninterested in my plight. I need help getting the title to my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Moria Development, Inc.
State: NE

Complaint narrative:
For the third time in the past year and a half, I have gotten notices claiming that I have missed a payment on this loan, which I have not. Payments are always made from my bank 's online bill pay system for all of my mortgages, many of which are with this same lender. I have bank records that show that all payments were sent on time and that the lender cashed all of the checks, proving receipt of the payment. They just resolved the last issue in XXXX, and have now put a missed payment on my credit report for yet another issue. I tried calling the lender and they told me that I would have to write yet another dispute letter, which I have already done several times. Payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
1. My escrow analysis for the property taxes is going up {$410.00} 2. My taxes paid to Town of XXXX for XX/XX/2018 Property tax were {$9600.00}. That is not true the taxes paid to the town of XXXX are wrong as the town of XXXX received {$9500.00} that is a difference of XXXX. see attached tax receipt from Town of XXXX XXXX 
3. I am in dispute of your escrow analysis statement that show a shortage and an increase in the monthly payments.

4. I respectfully demand you do a verified analysis as the property taxes are lower going forward.

5. I would also like to know going backward how may other times you overpaid or over charged the property taxes on this account. 
Also every month extra money is paid to the account and I believe it is no credited properly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.

Complaint narrative:
On XX/XX/2018 I received a bill via gmail from XXXX XXXX for a bill from five years ago in the amount of {$1400.00}. I contacted XXXX via the above address and their representative directed me to XXXX XXXX XXXX XXXX out of XXXX. 

XXXX confirmed that the account had been removed and I would have to contact EOS. I did and they are animate about me owing them {$1400.00}. 

I requested that the amount be verified, they could not do that. I asked them to send me via email all of the information on my file, they said they could only mail it to me. Their files show an amount of $ XXXXish from five years ago, but could not tell me why the bill is {$1400.00}. I am asking that this issue be investigated. 

Contact information for XXXX is XXXX you can speak with XXXX XXXX and XXXX XXXX XXXX XXXX or XXXX XXXX XXXX , XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Tel : XXXX XXXX XXXX and XXXX XXXX XXXX. People spoken to were XXXX and XXXX. I was told I would be speaking to XXXX but she was not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
In XX/XX/2015, I was referred by my Primary Care Physician to XXXX XXXX XXXX XXXX, and a XXXX. XXXX XXXX. 
When I filled out the new patient information sheet, I marked that my insurance required me to use XXXX XXXX XXXX for all lab work. When I saw XXXX XXXX that day, I told him my XXXX 's would need to be sent to XXXX. He stated that he preferred to use his own lab, but after about 2 months he would send my XXXX 's to XXXX. Every month when I saw him I would state again about using XXXX XXXX. He stated that he didn't like the way XXXX listed the results, and would not use them. His office took my health insurance as I only paid a {$35.00} copay each visit, but they did not bill my insurance for any of the XXXX 's. This led to a {$6100.00} lab bill. The bills come from his office, not a lab, so I have no idea what lab was used. I had one call from a collection agency for the {$6100.00}. They in turn sent it to the credit bureaus. As we are 30 days out from closing on a new home, in order to bring my credit score up, I had to pay the {$6100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I had a auto loan with USAA for a new car. due to XXXX XXXX i defaulted in two payments in XX/XX/2015. i had since never missed a payment and completely paid the loan over two years ago. USAA is reporting this loan as being active so it still affects my credit report. i had for over a year tried to get them to stop doing it but they simply say they have to report everything, while this is a lie there is no law saying they have to. i have sent multiple notarized letters and made countless request for it to be fix i am still dealing with the same issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: SC

Complaint narrative:
In XX/XX/2014 the rental house I was living in was sold and I had to move. At that time I had an account with XXXX XXXX. I called them and explained that I was moving to a building that provided cable tv and they did not allow satellite dishs. I returned their equipment and thought the matter was settled. I now have a collections notice on my credit reports for {$360.00}. I C Systems is trying to collect an early termination fee for XXXX XXXX. I have explained the circumstances to I C Systems and disputed the charge with the credit bureaus. They will not remove this charge from my credit reports.

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 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Texas Guaranteed
State: TX

Complaint narrative:
My loan was with XXXX, they got sued by the attorney general of massachusetts I was told by a letter sent to me that my loan was back with XXXX that has been closed since XX/XX/XXXX, then I got another letter later from XXXX XXXX saying they got my loan from XXXX   allowed by XXXX and that my payment from XXXX was transferred to XXXX XXXX, XXXX   was closed XX/XX/XXXX there has not been any payment to transfer from XXXX. Now XXXX XXXX want me to pay them. Amount pretty much the same since XX/XX/XXXX when I got the loan I dont know how much I have paid over time I feel they are in cohus with the type of business XXXX was doing How do I find out how much I have paid from XXXX that my account is closed with them since XX/XX/XXXX, to XXXX who got sued during the time they had my loan with them while the were in this trtouble.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation