vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 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: NV

Complaint narrative:
I attempted to use my credit card while traveling, but it had been shut down. I called capital one to resolve the issue, but they said that my account had been compromised. Additionally, they have repeatedly printed my name incorrectly on my credit card..My LEGALfirst name is a letter and a number ( XXXX ), yet despite repeated requests and numerous document submissions ( including a divine l certified court document ) they continue to print my name as " XXXX. '' This is NOT my name, and the phonetic spelling of XXXX is XXXX, which is also stated on the legal document. 

I am still currently traveling, and I spent nearly 2 hours going back and forth on the phone regarding the fact that my card was shut down and the name has NEVER been correct..then, they started demanding I resubmit MORE documents proving to them that my name was incorrect ( even though I had just done this less than 2 months ago ) .. 

Ultimately the representative forced me to shut down my credit card, and I am NOT happy about it..I paid an annual fee for this piece of garbage card with the worst customer service in the history of mankind, and I have never been able to properly use this card. 

I have a negative balance, and now I am stuck for the next 3 months in a foreign country with no access to my money. This is out of control!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I opened this account around XX/XX/2018 when i first started payments were going well until my checking account was closed. After my checking account closed moneylion reported a late payment. I tried changing my payment methods online there no way too. I called no answer. I kept on trying to make contact for months i even sent in a letter by mail with new payment details and no answer. I sent a check by mail balance unchanged. They recently liquidated my investment account thats part of the moneylion membership/loan and they said i would just pay {$63.00}. Ive tried contacting to pay this amount and after numerous tries i got on the phone after waiting 2 hours and they told me i had to wait 60 days to pay off the rest that they would contact me themselves. Which is absurd theyre charging interest and just scamming and they said theres no way to change payment method and pay off loan now they want to make interest and falsely report to credit. Ive looked them up and a lot of people are saying they got scammed as well. I am looking for lawyers to help me and i want this removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Dear Sirs My wages are being garnished illegally by Love, Beal, and Nixon representing XXXX XXXX. They began harassing me for debts that was charged off at XXXX department stores. One of their representatives came to my job and left a note with the receptionist about the garnishment trying to intimidate me while working at XXXX college in XXXX. I called the company to explained that I could afford to pay the debt and do not approve of them coming to my job.. They ignored this and sent a representative to my home and let a paper with my sister about paying the debt but did not provide any information about a court date. The situation concerning this garnishment was canceled and appeared on my credit report as paid by XXXX.with a XXXX  balance. 
The Love, Beal, and Nixon debt collection agency representing XXXX XXXX proceeded with another garnishment from a credit card company named XXXX XXXX XXXX which was charge off in XXXX. They began this harassment in XXXX with calls and letters and got a court order to garnished my wages wherever I worked. They began a garnishment at XXXX XXXX in XX/XX/XXXX, where currently work. They did not send a notice to me but sent to the job in XXXX and the XXXX XXXX  did not notify me until 3 days before my payday XX/XX/XXXX, from the payroll office. The XXXX XXXX company did give the information so I could file an exemption. They garnished my bank in XX/XX/XXXX for {$17.00} dollars. I sent an exemption letter to them because they requested this information. I did not have the opportunity to contact the court concerning the latest filing of the garnishment. I make XXXX a hour and taking 25 % per pay period, and I cant afford to pay my bills. I have sick relatives and student loans, car payments and the money they are taking is too detrimental to my making ends meet. I need the money back baly to pay bills. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: NJ

Complaint narrative:
A police report was filed for an account opened without my consent with XXXX in XX/XX/2019. XXXX will not mark the account as fraud despite multiple attempts to explain the situation. After filing a dispute with Equifax they have stated the information presented to them from XXXX  is accurate however the party responsible for using my identity only needed to confirm a text message via my cell phone number which according to law enforcement can be cloned. Equifax will not let me submit a new dispute and has not marked the account as fraudulent. I need it removed from my credit report before it impacts it negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have disputed charges made fraudulently on my account while in XXXX, XXXX. The charges were credited to my account while they were being investigated by Chase on XX/XX/2019 in the amounts of {$2000.00}, {$5100.00}, and {$2000.00}. During the initiation of the dispute on my end, I told the credit card company that while I handed my card over to the establishments to secure a seat, I have never authorized the transactions. I also inquired about receipts, which when provided to me by the credit card company, did not even remotely contain anything that resembled my signature. The company prematurely finished its investigation essentially telling me that because I handed my card to someone, I was responsible for the charges. I explained that I never authorized the charges and paid in cash. The credit card company re-investigated the issue and after me providing them with a copy of my signature, simply concluded the same thing as part of initial investigation, that I was responsible because I gave my card to someone. After 5 months of stalling, significant interest has also occurred placing my card into late payment territory for the first time in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
There was a debt placed on my social security number for a money I dont owe. I moved to the United States on XX/XX/XXXX. The debt is from XXXX. The company never called me or provided explanation of why this amount of money was put on my social security number. The debt collector company goes under MBA law firm on Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: ERC
State: NV

Complaint narrative:
Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Ive been trying to get this loan off my report for years ... ... i have never even had a driver license in XXXX or id ... .so how can i lease a car. This company is completely fraud!!!!! Pls all them to show proof ... I'm not accepting the facts!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: CO

Complaint narrative:
The company XXXX XXXX XXXX continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. Transunion is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is white also filed bankruptcy with me and all items were fixed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I believe an error has been made in the evaluation of the removal of my Private Mortgage Insurance. 

Here are the facts of the matter : I purchased my home on XX/XX/XXXX using XXXX XXXX as my mortgage lender with a 5 % down loan that included borrower-paid PMI Huntington Bank purchased my loan from XXXX XXXX and subsequently sold it to XXXX XXXX Huntington Bank continues to service my loan I have been making on-time payments to Huntington Bank since the origination of my loan At my closing, I signed a PMI disclosure indicating that I needed to achieve a 20 % equity position, and have made my payments on-time to be eligible for the PMI to be removed. ( disclosure enclosed ) I contacted Huntington Bank customer service, an appraisal was ordered* and my current loan-to-value based on my outstanding balance and appraised value is 79 %. 
Huntington Bank sent me a denial letter for the removal of my PMI due to the fact that my loan was originated less than 5 years ago and has an equity position of less than 25 % ( denial letter enclosed ) No where in my closing document is there mention of a time frame during which I must achieve greater than 20 % equity position as a consideration of PMI removal While I understand if I had originated my loan with Huntington Bank or XXXX XXXX, I would be bound to the terms of removal formula that Huntington and/or XXXX XXXX employs I originated my loan with XXXX XXXX. Huntington and XXXX XXXX purchased the loan and are bound to the terms under which it was originated. Items such as the interest rate, mortgage amount and the terms on which the PMI would be removed can not be changed after the origination of the loan. 

My request is for the removal of my Private Mortgage Insurance effective the next payment after the appraisal that Huntington ordered was completed ( XXXX XXXX, XXXX ). 

*Additionally, I want to make you aware that the appraiser who completed the Huntington Bank ordered appraisal, omitted a bedroom, did not adjust for the school district my home resides in ( in comparison to other homes in my neighborhood that are in a less-desirable school district ), and did not account for the substantial improvements that have been completed. The appraisal I personally ordered left my current loan-to-value at 78 %.

Please acknowledge the receipt of this request.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
The company Budget Control Services continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. XXXX is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is XXXX also filed bankruptcy with me and all items were fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I paid my car off early and i have my title already and it is still appearing on my credit report now appearing as late payments I tried to dispute it and it has came back as even later now I have all documents if you need me to send you copies thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: FL

Complaint narrative:
TransUnion shows/reported that 2 hard inquiries were made ( they are both unauthorized hard inquiries ) They show that XXXX did one on XXXX XXXX, 2019 and again on XX/XX/2019. I have not applied anywhere and I am concerned of possible fraud activity against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: PA

Complaint narrative:
XXXX XXXX XXXX was added to my credit file on behave of an unsetteled debt from an old unpaid utility bill from XXXX. On XX/XX/XXXX, XXXX XXXX XXXX was paid in-full with a total payment of XXXX. The collection agency reported the payment and the account paid in full the by XX/XX/XXXX. On XXXX, Equifax reported the same account as not paid with a current balance do of XXXX. The same amount I paid a few weeks earlier. I disputed the update on XXXX, and XX/XX/XXXX and as a conclusion of there investigation has continued to report this false amount. I then contacted XXXX XXXX  XXXX and they have indicated that I do not have a balance due with them and that I have paid that balance in-full on XX/XX/XXXX and that they have submitted the change to the credit agencies on XX/XX/XXXX which is in-line with the facts since Equifax did remove the account from my report on XX/XX/XXXX. I don't know why Equifax is reporting this balance, I have even sent them proof of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Markoff Law LLC
State: WI

Complaint narrative:
I have contacted this company, the XXXX XXXX XXXX and the XXXX XXXX XXXX letting them know my identity was stolen and this account was the result of Identity Theft. I received a Verification of Debt letter in the mail that was not signed by me and does not belong to me. This company is trying to collect on a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
3rd try - This is not going away! You last response saying the 2nd was a duplicate is further proof of your lack of concern into fixing this problem.

You ONLY allow the minimum payment. This is NOT acceptable If this is not resolved after this 3rd complaint I am taking this to the next level of exposing your company lacking the ability to service a negative amortization loan. 

Only being able to do the minimum payment force the negative amortization amount into arrears.. 

A complaint has also been submitted to XXXX XXXX so they are aware of RushmoreLM being behind technologically. 

Rushmore LM does not know how to properly service negative amortization loans. I am only allowed to pay the minimum payment on line - not even the statement shows the negative amortization payment amount. I have to call and spend 30 to 45 minutes with them every month to make my payment because they are not equipped to handle the payment online or by mail. Companies like this should not be allowed to handle loans they are not suited for. I understand the loans can be moved however it should be mandated that the new company knows how to service the type of loan the consumer has. Rushmore LM does not allow me to execute the options of my negative amortization loan. They only allow the minimum payment. This is NOT acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NV

Complaint narrative:
My name is XXXX XXXX and I am having issues with a collection company that is collecting a debt for an apartment complex. The apartment complex : XXXX XXXX XXXX '' is actually trying to charge fees that are not accurate. I requested a copy of the information and the break down of deposit shows the apartment complex is listing : Insufficient Notice fee of {$1100.00} which per their collection policy was only to be charged once the contract expired and a tenant was going month to month and did not give 60 day notice. Then they charged a Lease buyout fee which was {$2200.00} and {$500.00} for which the collection policy indicated " Lease Buyout '' Should you vacate the premises before your lease expires you will be charged a Buyout Amount of {$2200.00} and early termination fee of $ XXXX.They are also charged miscellaneous fees which would be considered normal wear and tear. When moving in the carpet was stained and they want to charge for Shampooing along with touch up paint and cleaning. All which is part of normal wear and tear. Also the Deposit sheet also shows move in date as of XX/XX/XXXX which would make no sense since the lease did not begin until XX/XX/XXXX. 

Also the break down shows an opening charge of {$99.00} what was that from?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. Discover Card Services fails to promptly process and post on account timely cause late fees. Payments are posted 14-16 days  beyond the due dates. I make payments 10-15 day in advance of the due dates. I am requesting the Agency investigate Discover Card Services payment process habits. I believe this legally tactic is being use the fraudulent enrich this company by there actions. This is not the first time this has happen, it happened on three other occasion in which payments are not promptly process and posted on the account cause numerous late fees. 
We request the Agency investigate the postal marking on the envelops. Request the late fee be removed and credit on our account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, I am making an formal complaint against Synchrony Bank and their customer service rep, XXXX. On XX/XX/2019, Synchrony Bank unjustly closed my Carecredit account for an bizarre reason. When I have learned about them closing my account ; I tried to talk with their customer service rep, XXXX but he spoke in very rude matter and told me that he was going to address my concern with XXXX. I came back in 15 minutes later, i spoke to XXXX and she told me they alleged me close my account due too many return payments. My XXXX payment was sent back once. I am trying to figure out what happened?

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