vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
In XX/XX/2018, I started receiving prepaid credit card offers to my house from Capital One for a person who does not reside here. I contacted them on social media and told them how dangerous that was for this person 's identity. They instructed me to go to their website and opt out. 

I opted out twice. Once in XX/XX/2018 and again in XX/XX/2018 because these letters keep coming. I even called my attorney who said to file this complaint because talking to Capital One on multiple occasions has done nothing. 

As someone who has had their identity stolen before, I can not tell you how dangerous this is for the person receiving these offers to my house. I hope you can fine them or stop them cause they are an awful company with no regard for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
I was informed, after the fact, that my homeowners insurance, which was supposed to be paid out of escrow funds by Loancare, was cancelled despite having adequate funds in the escrow account. The insurance company stated the reason for the cancelation was because the payment was sent in late and therefore they cancelled the policy and returned the payment. Once I found out that the policy had been cancelled, I immediately went to work trying to get the original policy reinstated. This took a crazy amount of phone calls and time but after about two months, the original policy was reinstated at a higher rate. 

Both the insurance company and Loancare state that I was uninsured from XX/XX/XXXX-XX/XX/XXXX. Loancare put their own policy in place which was {$1000.00} a year more than the original policy. Loancare now states that even though I was uninsured, I would still have to pay for the new almost {$1700.00} policy that either never went into effect or was in effect for only a month or two. They said this was a " penalty '' for not having insurance ( which they were supposed to pay out of escrow funds in the first place ). When I disputed, they said there was " nothing we can do '' other than to have a supervisor from the insurance department call me within 48 hours. I never received that call.

As a result of all this, my payment has gone up about {$300.00} a month. After seeing that they have over 800 similar complaints on this sight, I believe that situations like this are not isolated incidents, but rather common practice for Loancare. In short, they XXXX up by not paying my insurance on time and are expecting me to pay for it. This could have been an easy fix for them. All they had to do was admit they made a mistake and take the appropriate corrective action to fix it. It was clearly their own mistake. 

I may not be able to make the full new payment. I suspect the next thing that will happen is they will unjustly XXXX up my credit and attempt a foreclosure. 

I rarely make consumer complaints but these people have went way over the line. I would not recommend using them under any circumstances. Their customer service is nonexistent and they put people at risk of being out on the street with little concern. They couldn't even tell me if the new increased payment was temp or permanent.

I want ( and expect them ) to repay any money already paid for this replacement insurance policy and return my monthly payment to it's original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 I checked my bank account balance to see what had posted for that day. I was negative {$130.00}. Due to my dog having XXXX and health issues, i had not deposited my checks into the bank as I normally would have. I deposited a same day check, XX/XX/XXXX for {$150.00} that would cover all of the transactions for that day without aquiring a fee. I took photos at ( XXXX ) of the balance, transactions and of the deposit for proof that I had covered the negative amount. According to Bank of America the business day ends at XXXX. 
On XX/XX/XXXX at XXXX in the XXXX  I received an alert that my bank account had insuffcient funds. I went online to see what happened and a check ( # XXXX ) in the amount of {$71.00} posted XX/XX/XXXX, cleared XX/XX/XXXX. 
I immediately called the bank and I was told that one of the pending transactions on XX/XX/XXXX had bounced from this check ( # XXXX ) being completed on XX/XX/XXXX. I repeatedly explained that the check was nowhere to be found on my list of transactions on XX/XX/XXXX and if it had cleared on XX/XX/XXXX why wasn't it on my list of transactions for that day? I called 3 times and even stopped at a branch to show my photos as proof of the transaction not posting XX/XX/XXXX just to be told a XXXX transaction had bounced due to the negative amount for XX/XX/XXXX. I said I could understand that if on my end, all of the transactions were available to see. I was also told the check could have cleared anytime in the middle or the night and that it was my responsibilty to have the money in the account. TRUE if it would have been posted on my list of transaction for XXXX XXXX. I would have made sure to deposit my other check in the bank that was at home. But it was NOT on my list of transactions for XX/XX/XXXX nor was it included in the negative balance. After countless calls and even stopping at a branch, they refused to remove the fee. 
How can a bank charge you a fee for a transaction that is not even listed in your transactions as one that was completed for that same day?? It actually showed up on XX/XX/XXXX as a transaction that had cleared in XX/XX/XXXX. HOW??? 
I took picturea due to this happening in the past and after this is situated I will be closing my account at Bank Of America. I was contemplating it anyway due to their new monthly fees. I am a low income person so I have to pay a fee to have an account. Ridiculous and now they can charge fees for ghost transactions that appear online the next day. This should be fraud and illegal. They think they can take money out whenever they want and not post it for you to see? WRONG VERY WRONG!!! I have been a customer for many many years and I hope {$35.00} was worth it to them. They are crooks!!!

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 2018-07-25 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: WI

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2018-07-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against Transunion and XXXX. Because at this time the above filed a complaint againt Trasunion Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against XXXX Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX  that a true copy will be faxed to both Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and XXXX : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018 2018

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 2018-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services
State: NC

Complaint narrative:
I was charged {$3000.00} fee in 2010 and was told by ACS that there was nothing that I could do about it. I had been out of work off and on for 5 years. In late 2010 I finally found steady employment after moving to North Carolina. Not only did I receive excessive fees, but my interest rate was raised to 5 % from just over 3 %. Now ACS has changed to Conduent and apparently no longer service my loan as I tried to log on to pay my bill. I also just jacked my credit app and who ever they gave my loan to has jacked up my interest rate to 7.75 %. I need help. I would greatly appreciate assistance in dealing with these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
A dispute was submitted to ARS ( Advanced Resolution Services ), formerly known as XXXX XXXX, regarding a bankruptcy on my consumer disclosure credit report with ARS. An improper investigation was conducted, such as not following proper procedures per FCRA ; thus violating FCRA rules. Since ARS failed to properly investigate this matter, I feel the bankruptcy should be removed from my credit report immediately. 

I hereby demand, per FCRA 611 ( 15 U.S.C. 1681I ) that ARS provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. ARS is required to provide the following within 15 days of receiving this request : The name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy. I also demand to know who ARS referred this dispute to ; and who responded back with the required verification. FCRA Section 611 ( a ) ( 2 ) requires you to contact the furnisher of the information. 
PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, ARS 's claim that PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires notifying the party who furnished the disputed information, ARS is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices. '' Furthermore, ARS claim could potentially constitute a violation of Title 18 United States Code - Section 1028. 

Again, I am demanding a re-investigation AND the method of verification with the information furnisher. 

Attached to this complaint is a copy of my initial dispute letter dated XX/XX/2018 and a copy of the response form ARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. They have ignored repeated requests to verify this account under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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:
XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.

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 2018-07-25 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:
XXXX XXXX XXXX is saying I made an inquiry on XX/XX/XXXX reference # XXXX for a XXXX XXXX card. I never authorized any request for this card. I was not on any cruse ship for this company. This is fraud. I would kindly like this to be removed from all credit companies since I never made this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am furious. I have been dealing with this credit situation since XX/XX/2018. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. Transunion sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

XXXX never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hereby issue this affidavit within this Federal platform. At this time, the above is issuing a temporary gag order against XXXX and Experian. Because at this time the above filed a complaint againt XXXX Complaint ID # XXXX on XX/XX/2018 and also filed a complaint against Experian Complaint ID # XXXX on XX/XX/2018 with XXXX XXXX XXXX - Division Cheif, Consumer Protection Division -Michigan Attorney General Office XXXX XXXX XXXX XXXX , MI XXXX. It has been brought to my attention that both of these institutions are soliciting inaccurate information about my identity with their clients during an investigation with the Michigan Attorney Generals Office. It is further been discovered that these two institutions are sharing reports with their clients but are withholding information that the insititutions themselves are under an ongoing investigation with the Michigan Attorney Generals Office - compalint # 's listed above. At this time the above does not feel that his information is being safe guarded by either of these two instituions wherefore I am attaching this affidavit with each and every application that the above releases and in doing so i will offer an invitation to any and all creditors to re-direct their request for complete file information to be done with only XXXX and the above will pay for the full complete report regardless of whether a creditor extends credit or not. All you have to do is contact me by email and submit request for payment. 

The above certifys that on this date XX/XX/2018 at XXXX XXXX that a true copy will be faxed to both XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX and Experian : XXXX XXXX XXXX, TX XXXX by the next business day XX/XX/2018

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 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TIDEWATER FINANCE COMPANY, INC.
State: KY

Complaint narrative:
Hello, The judgement date was XX/XX/2006 and I just received a garnishment to my wages in the amount of {$500.00} per month. The total they say owed is {$32000.00} with an interest rate of 12 %. Since XX/XX/2006 I have lived at two address and have not received any letters from any company that I owe this debt. Never received anything from the courts saying that I had a case and/or a judgement date. Is this something that is possible, that I know nothing of any debt and get a garnishment?

I do not know who, what or why I have this judgement. I declared bankruptcy twice, once when I was married and again after I was in an accident while working, I can not remember the dates. I tried to call the company XXXX XXXX XXXX and was greeted with a very rude and uninformative person at that company, they just told me that I owed the debt and there was nothing I could do. 

Please help, I have no idea what to do but can not afford {$500.00} being taken out of my paycheck each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
TOYOTA MTR # Multiple lates retro reported which is erroneous and illegal. Before I pursue this matter using the legal system, I want the CFPB to resolve directly with Toyota. I can  prove, by monthly bank statements, all payments on time. Attached is an example of my credit from XXXX XXXX reflecting before and after dispositions. 

Almost a year after returning the vehicle Toyota Motor went back into my payments and reported one late payment for XX/XX/2016. 

The following month they changed that XXXX reporting on the closed credit line as current and changed 3 years of history into 30/60/90 day lates. 

It does not make sense how they allowed me to keep a car if I was always late. 
I was able to retrieve most of my bank statements to show payments made on time. Some of the payments from early XXXX I was not able to obtain proof of them retro reporting. My bank account that I use to pay them from is closed and I have no access to prove their malpractice. 

I am requesting help with this financial fraud. I would like them to either fix the retro late reporting and apologize or simply remove the credit line. They have prevented me from qualifying for a home for me and my children. I am a single mother of XXXX and they have caused me great grief and inconvenience. I don't know why they did what they did. Surely the law must have a way to protect consumers against such retro false reportings.

Company response to consumer: Closed with explanation