vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
At XXXX on XX/XX/XXXX I attempted to initiate a wire out of my account to pay the remaining balance of a car I was purchasing in cash. The car was being shipped on XX/XX/XXXX so this matter was urgent as the dealership would not ship the car until all funds were received. 

I was informed by Capital One that they would not send any wires to third parties except with a title company for a home closing. I was informed that I could send a cashier 's check to be overnight through my online banking. I went to online banking, entered all the information and provided the verification code sent to my email. Each time the system would say thank you but would not send a confirmation or show activity on my account. I called capital one immediately and was informed that " looping '' sometimes happens and to change my internet browser. I did this multiple times using XXXX and XXXX XXXX but the system would still not process my check. I asked Capital One to complete this on my behalf as they could see there was a technology issue on their side and I was told they could not issue a check. They also did not have any branches that could issue a check if I went in person. 

At this point I was very frustrated as I had all the funds and security requirements to send money but the bank would not offer a wire and could not fix their system to provide a cashier 's check. I then offered to provide a seperate personal account to another bank so that I could wire funds to this account. I was told that it would take two business days to set up any new linked accounts. At this point Capital One would not wire my money to the dealership, provide a cashier 's check, wire money to my other personal account, and had no physical location for me to enter and put certified funds. Essentially I had no access to my money because of an unexplained " glitch '' on Capital One 's technology. 

It was ultimately recommended that I go to another bank and try and initiate a cash advance on my card and ask that bank to wire funds on my behalf. 

The fact that a financial institution of this size and complexity couldn't offer it's customer a wire or cashier 's check was a huge inconvenience that caused great hardship on my end. I had more than enough funds to support the transaction and there was no error on my end in terms of security or information. At the time I needed access to my money most urgently the bank would not provide the product and services that it promised. I felt completely helpless and taken advantage of and I hope that the CFPB holds this institution accountable for its inability to provide these basic services that it claims to offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: NV

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have enclosed the account statement of which I am referring to. 
This account is inaccurate and incomplete because : 1. On XX/XX/XXXX at XXXX XXXX a call was placed to XXXX XXXX at XXXX during which four employees of XXXX XXXX did confirm that the account was closed on XX/XX/XXXX. 
2. The system noted and was confirmed by four employees of XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) that the account holder did call on XX/XX/XXXX to pay the account. 
3. The system noted and was confirmed by XXXX of XXXX XXXX that the account was Written Off in XX/XX/XXXX. 
4. Four Customer Service Representatives ( XXXX, XXXX, XXXX and XXXX ) of XXXX XXXX confirmed that they had no record of the account after XX/XX/XXXX or any record of XXXX XXXX or the collection service company Anfi making contact with the borrower requesting payment of the account after XX/XX/XXXX, until now which is 18 months after the borrower called to pay the account. 
5. All 4 representatives stated that they could not view nor send the account holder any account history relating to this account and had no evidence in their system of contacting the borrower at any time about the account going to collections. 
6. When asked, Supervisor XXXX also refused to send a screen shot of the information that all 4 employees used to view the account when referencing that account. 

I am requesting that the item be removed from all credit reporting bureaus ; that XXXX XXXX and Anfi cease and desist any further action against this former account holder and to correct the information in their system and any information about this account with any affiliates so that this does not happen again. 
Enclosed are copies of the collection letter from Anfi dated XX/XX/XXXX supporting my position. Please reinvestigate these matters and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
My name is XXXX XXXX I have a personal loan with Onemain financial located on XXXX XXXX XXXX XXXX, XXXX, IL XXXX On XX/XX/XXXX I fell  behind on my account due to unexpected expenses Onemain Financial offered me a 2 month deferment. A representative of Onemain name XXXX called me asking for payment. I mentioned to her a had a 2 month payment deferment and my account was due for XX/XX/XXXX.XXXX was very rude to me treated me to take me to court if I didn't come into the office and make a payment. I told XXXX that my check was low this month and i was under the impression payment deferment was going to help me. XXXX stated talking very loud and demanding payment. Requested XXXX to please not speak to me in a disrespectful way. I also advised XXXX that before treating me Onemain was going to take me to court I have to be severely delinquent and not wanting to work with them after exhausting all the possible options to help me. XXXX then called my son who i the co-borrower and told my son my account was over 90 days past due. which is not true. XXXX also treated my son to garnish his wages. XXXX so rude and out of line she made me cried when she was screaming at me. I believe this is an abusive way to contact a customer. Specially after misleading me with a different for 2 months. I just hope this doesn't happen to another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 accounts with Capital One. In XX/XX/2016 I notified Capital One that I was going through a financial hardship due to medical issues. I knew I would be late on my payment and I advised them of this. I was told that as long as payment wasn't 60 days late that they would ensure that my late payment would be forgiven. This hasn't occurred as I have this late payment still showing. I have reached out to them numerous times to assist with this issue and sent numerous letters to no avail. I only have late reporting for XX/XX/16 and was able to get back on track the following month. I was told this wouldn't affect adversely and that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I received a notice from Brock and Scott in reference to a XXXX card I had. My first payment for this garnishment was in XX/XX/XXXX and ended in XX/XX/XXXX. This garnishment stopped on XX/XX/XXXX ( dismissed ) due to me paying. I just recently bought a house. A few weeks ago my HR director called me in the office to advise me that this same company is garnishing my check again. I called Brock and Scott on XX/XX/XXXX and spoke with XXXX. I asked XXXX, why did no one call me and send any notice to me. She said they sent it back in XX/XX/XXXX and it came back undeliverable. I advised her that is not true because this is the exact same address they had when they did the first garnishment. XXXX, then advised me to hold on. When she came back to the file she advised me that they will send me a copy of. On XX/XX/XXXX, someone left a someone left an envelope on my door. It was the garnishment documents that they claimed they sent in XX/XX/XXXX and to my old address that is listed in the paperwork. XXXX, advised me that the new filing letter was sent on XX/XX/XXXX, but came back undeliverable. On XX/XX/XXXX the attorney submitted a new filing. I asked her could she send me ALL paperwork pertaining to this. She said that she has too speak to her manager. I also advised her since I never received any type of notification from them. She then asked me is there anything else she can do. I advised her again this is paid per my last paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Credit bureau is in violation of FCRA, 49 CFR 801.56, XXXX- XXXX- XXXX   ACT etc.

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 2018-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX I was dealing with a lot of personal issues. I advised Capital One beforehand for both months and was advised that I would need to ensure that the payments weren't 60 days late for a grace. I ensured that they weren't 60 days late and this still adversely affected me despite being told it wouldn't. I have sent numerous letters and requests to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: GA

Complaint narrative:
I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.

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 2018-06-26 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: GA

Complaint narrative:
I recently received a copy of my credit report file and noticed that there were several unauthorized credit inquiries showing in my credit file. I had a fraud alert placed on my credit file that indicates anyone who is trying to run my credit needs to call me and verify that fraud activity isnt occurring. Ive reached out to the credit bureaus on several occasions trying to explain that my rights as a consumer were violated because my credit was pulled without my permission and nothing has been done to correct the issue. Many of the inquires is dating back from XX/XX/2016. Ive been very professional at trying to get the unauthorized inquires removed from my credit file but now Im frustrated because Im being treated as if Im the one whom authorized the inquires.

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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc
State: NV

Complaint narrative:
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. 
As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. 

I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my 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 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
To Whom it may concern, I'm have recently look in the details to monitoring my credit for future endeavors to set things in place for retirement etc. and I discovered a overload of items/ accounts I was not aware of, I'm not sure where these charges and accounts could have activated nor when however these are not my account .I 've tried to call to verify with these companies to little ( or no ) avail .I feel overwhelmed and stuck in moving on ward and upward.

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 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/2018, I transferred my XXXX XXXX points to my wife 's XXXX account. My wife is the authorized user of two of my Amex cards. This transfer went through. Then I tried to transfer XXXX XXXX points to my own XXXX account, and the system said " it can not be completed because I'm selling points to other people ... ''. I tried the transfer again, the system said my XXXX account is now under review. Called immediately and the rep told me the review will take 6-8 weeks.

This is really unacceptable, since it was Amex 's customer representative who taught me that I can transfer my points to authorized user 's airline account! Now I did what Amex suggested and they think I'm selling points, to my wife who has my family name and live with me under the same address. This practice is really deceitful and underhanded on Amex 's part, and I shouldn't wait for 6-8 weeks and watch the reward air ticket seats for our third wedding anniversary 's trip gone during the period!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America does not answer the phone and will not let someone cancel their account online. Therefore, they appear to deliberately make it nearly impossible to cancel, therefore forcing the customer to retain their card and continue paying fees. I called the customer service number twice and each time when prompted stated I have canceling my card and each time I was placed on hold for 30 minutes. Bank of America will NOT permit me to speak to any customer service representative other than this special cancellation line, and they apparently can not answer as they are arguing/misleading other customers in terms of keeping their accounts. I demand to close my account and Bank of America refuses to let me do this.

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 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On the XX/XX/XXXX, my husband and I went to the XXXX XXXX fair and purchased a mattress. Upon purchasing, the salesman whose name and information I can give upon request informed me that I would need my credit checked before purchasing, meaning he asked for my husband and I personal information. After informating us multiple times and reassuring us that this would only have a small hit on our credit and we would get 0 % interest on the mattress we purchased we signed the agreement. Before signing he mentioned that payments would be made through a credit card, we specifically said we did not want to apply for a new credit card and that we were more then happy to make payments through the credit card we already have per seeing the paperwork we were about to sign. He assured us that this was possible however, today my husband and I checked the mail to see that we have received a new credit card with synchrony with an extremely high interest rate of 30 %. When attempting to call the salesman directly in order to confront the issue he did not answer our calls, after which we called the card company and they said all that could be done is that we report it or call the salesman. We then called mattress firm and they said all that could be done is them emailing the salesman and the supervisor of the fair, however they told me that was all that could be done and it would take a while for them to get back into contact with us. I am extremely upset and confused on how to continue as I have been given very different information. When I called the credit card company they told me to contact you or the sales company, and when I contacted the sales company she informed me that I should not contact you guys unless I want to refund the mattress, which is something I dont want to do.

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 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hi, So I had a XXXX shipment about a year ago have stopped. The shipment never left the store. However my account had a weird billing issue and I was still charged, rather than it being automatically reversed. Well I tried to dispute that charge and my bank said I had to sort it out with XXXX. Well with XXXX they said they couldn't refund me the balance. Here is my entire conversation with the disputes team. I've given up with the bank so I'll try and reach out to XXXX   to seek a refund again. 

This is our chat convo with them XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Management Services, Inc.
State: TX

Complaint narrative:
Did not give HIPPA authorization to 3rd party collection agency access to PHI or medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: FL

Complaint narrative:
Reviewing my credit report. I noticed that Equifax was not up dating current information that was given to them by me or my creditors. 
Approximately in XXXX I contacted Equifax. I questioned their credit scoring methods ( knowing that credit score can not be disputed ). My score was XXXX at that time. After contacting Equifax, the next two months my credit score when down 28 points, without any reason.

I informed Equifax that I have never been late or miss any payments on my mortgage, credit card, etc. Furthermore I have paid off a big debt and lower some outstanding credits, record can show.The way it works is that when a consumer pays down any of its creditors, that consumer credit score will go up. In my case questioning Equifax and paying my creditors my score when lower ... inaccuracies.

Contacted Equifax numerous times with documents from my creditor using ( AUD ) documents. Equifax sent me letters with update, but without addressing my concern of the inaccuracies of my credit score.Investigating with other agencies, the out come shows that my score should be at XXXX. My score shows that Equifax has made some inaccuracies against my score. My score stands at XXXX well below the correct number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
They wont allow me to connect to another account as an external 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