vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I purchase a XXXX on XXXX XXXX, 2019. I found a damage on the door and file damage with XXXX, On XXXX, I went back to XXXX, XXXX offer me to fix the car, I refuse to fix it, I request for replacement, since the car is in demand, and there were no car available similar like mine. So the only choice i hadis to return the car, which they told me if I did return the car, I had to wait for down payment to be return in 45days due to their return policy. I can not wait for 45 days without a car. So I ask them what other car that I could take delivery today? He check the inventory there 1 available but cost estimate {$9000.00} more then the current model I took which was the performance model. Anyway I had no choice either I come home with no car or take the model they had. So I decided to take the model 3 performance. So they re do the contract and ask to sign a new agreement with similar down payment, I ask what happen to down payment, he said he has to make separate and new contract has to have the down payment which I understood, I asked, can it be transfer from the old contract? He said he can not. He said he will try to cancel or refund the money as soon they can before the other contract ach to withdraw. The next day I called them about the down payment they told me it will not be return until 45 days due to XXXX return policy. Now I have a new contract drawn from my account estimate {$25000.00} and I am out with old contract {$25000.00} and I have a loan of over $ 30k with Wellsfargo. I need help. My name is XXXX XXXX XXXX

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 2019-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not receive a bill after using my card for the first time at the end of XXXX. After I realized I had not received one, I called and brought the account current. The same day, they reported to the credit bureaus that is was derogatory. I called on XX/XX/19 after I got an alert of my credit score dropping. I advised I would pay the account in full and the specialist saw where I had already made a payment on the same day the account was reported and stated he would remove the derogatory notification from my credit report and then take my payment for the full card balance. He placed me on hold and the call disconnected. I have called back 3 times and explained the situation. One representative told me I had never called them, and that was the third attempt in an hour. I requested to speak to her supervisor and she stated there was no one else I could speak with other than her. I ended the call and immediately called back and spoke with another representative and have now been on hold 40 minutes and still holding and no resolution. No one even has taken my payment much less honored them saying they would remove the derogatory report on my credit, which initially I was told was being handled.

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 2019-10-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX of XXXX Kohl 's charged my bank account for {$1000.00} that I did not authorize. I found this in XXXX of XXXX and disputed this with XXXX XXXX XXXX XXXX. They returned this amount of money to me. I have attached bank statements to this proving this point. I would have never authorized this amount to be taken from my account by Kohls because the maximum credit limit for this card is {$500.00}. I have also included a statement proving this. When XXXX XXXX returned this amount of money to me they also placed Kohls on a do not pay list. Which I was not aware of. In the summer of XXXX I paid Kohls for a small amount ( less than {$100.00} ) over their phone automated system. They have record that I did this. However, the payment was rejected by XXXX the following day because of the do not pay list. I was not made aware that this happened. Only when I got a credit alert from XXXX  did I realize that Kohls charged me a 30 day late on my credit report. I have attempted to speak with Kohls to explain the domino effect that resulted in this 30 day late, but they will not allow me to speak with anyone in the credit department, and state that is their policy. I feel this 30 day late was not my fault but the fault of Kohls and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
I was sent here by another agency, thats been somewhat involved in our loan issue. After getting the info they told me to get, they told me to file a complaint with the CFPB. 
Ive attached two documents. One ( 1 ) is the monthly Loan Statement. The second one ( 2 ) is the requested statement were told to get and got by way of email on yesterday evening.

Our issue is that on the 10th of this month ( XXXX ) we transferred the amount of {$1600.00} for the XXXX and XXXX past due payments. These payments are due on the XXXX day of each month. The second document will show that the payment was made and received by FCI (  {$1600.00} ) on XX/XX/2019, but was not applied to the loan until XX/XX/2019.  Meaning also that the past two payments that was supposed to make the account show CURRENT did not happen until after the XXXX day of XXXX and was not included in this months statement dated XX/XX/2019. And by having the payment applied after the XXXX it would make the account statement show us being three months behind, when were are really only a few days away from making this months payment, and still within the grace period. 

Were told that we were a victim of a Deceptive Practice, that is illegal, because a bank, lender, etc must accept all past due payments ( {$1600.00} ). They can only decline or not accept anything that does not bring the account current. The attached two documents clearly show the payments necessary to bring the account current, and was received but was not applied. 
Im requesting the reason why the payment was not applied. After calling on the XXXX right after making the payment though XXXX XXXX, which has always been instant, to get its here but not applied, call back later and we did several times to find out it was there and was received on the XXXX, and after more run around, we later called back on the XXXX and XXXX and was told that they did not know why it was not applied, and that it will be tomorrow ( XXXX ) and it was. The other agency had told us last year after our initial dealings with the operation that purchased the debt, to be careful and by all means dont sign anything or agree to anything. That is why weve been contesting this loan since day one. 
When asking why the payment was not applied, and later being told the account was in suspense. When asking why it was in suspense, it was clear that whatever the reason was we were not told. Now the anxiety knowing that were most likely a part of some kind of scam.

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 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
I have paid {$100.00} per month after setting up a payment plan since I finally heard from Ability Recovery. In total I have paid {$300.00} to date. The original creditor was XXXX XXXX XXXX XXXX XXXX. I was in the process of moving and received no notification of not only my right to dispute, but even that there was a debt. I found out about it pulling my credit report to find why my score had dropped. 

The reason for not knowing there was a debt was that I had confirmed with the hospital my debt had been cleared due to income. As far as I had been told, I had no outstanding debt.

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 2019-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
GM Financial is harassing me. I have had 3 leased vehicles with GM Financial in the last 10 years. I turned in my last leased vehicle, a XXXX XXXX XXXX, in XX/XX/XXXX. It was under the mileage, no excess wear and tear, and the lease payments were made in full. That was ten ( 10 ) months ago. I did not go into a new lease and instead purchased a  used vehicle. One week ago I started getting several calls a day from GM financial on my work cell phone claiming I owed {$460.00}. I have not received a bill from GM Financial. Because I turned the vehicle in 10 months ago, it was a shock to me I was getting calls from them claiming I owe them money. I didn't even know my account number to verify with them or to ask any questions about what in the world I owed {$460.00} for because I haven't had the vehicle in almost a year and I knew it was paid off in full. On XX/XX/XXXX, I finally located an old account statement which gave me my account number and I was able to call them back and get information. The woman then told me it was for a lease disposition fee that was in my contract. Why in the world they waited 10 months to charge this fee to me, is beyond me. I asked them to please re-send the bill to my house as I can't pay it because I haven't seen it. The woman assured me she would re-send ( mail ) the bill. She told me it would take 7-10 days for me to receive it and the collection calls would stop in the mean time. Today, XX/XX/XXXX at XXXX EST I received another call from them. I didn't answer because I was on another call but I did call back at XXXX and re-explained, I do not have a bill. I will not pay this bill until I see it. I asked again to have the bill re-sent to me and I asked them to stop calling me. This is harassment at this point. They are calling me several time a day. They haven't sent me a bill. This is insane. My account number with them is XXXX. Name : XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NY

Complaint narrative:
My dealings with Discover Bank Online service started in XX/XX/XXXX through XXXX, realized my checking account in the amount of {$560.00} at Discover Bank has many unauthorized transactions of withdrawals and purchases dated from mentioned dates previously. A written statement disputes and police report has been filed on XXXX in order for Discover Bank to continue their investigation, a provisional credit has been honored in the amount of {$560.00} for the month of XXXX. Thereafter, Discover Bank has issued me a new debit card but with the same checking account number that is affiliated with my account which is the main checking account number in order for any type of transaction ( s ) to be issued against that account number. The reasons for these disputes of unauthorized transactions and purchases, person ( s ) has or still invaded my private premises without invite, therefore the person ( s ) has altered or counterfeited my personal information. This  activity is still on going for the month of XXXX as there was an unauthorized transaction of withdrawal from my account in the amount of {$340.00}, and yet Discover Bank does not want to honor me provisional credit as stating the transaction was valid on their end! As there is a conflict between I the consumer and Discover Bank Online as I have submitted supporting documents including police report for the same activity for unauthorized withdrawals. Please assist me on retrieving a provisional credit from Discover Bank as it is affection all angles of my financial living. 
Supported documentation has been submitted to Discover Bank and still no call backs or updates on honoring a provisional credit in the amount of {$340.00}. I also filed a complaint with XXXX reading unfair circumstances with financial institutions. 

Need further supported documents or information please feel free to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
Bill I can not pay in full for the hospital. Harris and Harris collections keeps calling my parents house after I told them not to and ONLY communicate by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This account is being reported inaccurately, first of all I am seeing repetitive CO late marks which is a violation also, this account is being reported positively on XXXX with no late payments while XXXX & XXXX is reporting this account as Charge off.

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 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$3200.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I accidentally paid my bill twice. When I saw the automatic payment had taken my funds ( {$2800.00} ) a second time at midnight on XX/XX/19, I called TD Bank Visa at XXXX XXXX on XX/XX/19. They said the money would have to be sent back by check and it would take 7-10 business days. I called back on XX/XX/19 and found out that only {$1500.00} had been refunded and that the check was just printed that day. I was told that the original person set it up as a credit and not a refund. They told me that corporate would have to review it and refund the remainder. I called on XX/XX/19 to find out that no one has reviewed it yet. My money has been fraudulently kept for almost a month now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, My brother XXXX, sent me {$2000.00} from his Paypal Account to my account under ( XXXX ). The money left his account and was directed to my Paypal Account has been in a " Pending '' hold situation past the XX/XX/XXXX, advisory date on their schedule listed under a Help Tab, and on the automated phone response system. I have called them each day since theXX/XX/XXXX, and they continue to state you payment should clear today and no longer than the XX/XX/XXXX. 

I have found there explanations to be " not credible '' as to the delay and it is my belief that there delay is for profit of interest, since they do not earn a fee for their services. 

This is 2019, and there is no reason acceptable to expect this amount of time for a financial transaction, unless you have a house closing in Escrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2019-10-25 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: FL

Complaint narrative:
I disputed two fraudulent accounts opened with my personal information : 1 )  XXXX XXXX - XXXX - {$160.00} 2 ) XXXX - {$360.00} This information was disputed XX/XX/2019 according to my knowledge. This information somehow is still showing up on my credit profile. 


I am also an authorized user on a 5 year old XXXX XXXX credit card. Equifax is not reporting this to my credit, but they should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express increased my credit limit automatically from XXXX to XXXX between the month of XX/XX/XXXX and XX/XX/2019. The same was notified to my credit agencies on XX/XX/2019 and my credit limit on my account reflected the same. This had a positive impact on my credit score and i was happy about it because i have some upcoming plans. When i opened my account to make a payment this morning on XX/XX/2019. I found a significant decrease in my credit limit and it now reflects as XXXX. I was in total shock and spoke to my adviser to understand how would this will impact my credit score. I found out that this would potentially have negative impact on my credit score. I have contacted american express customer service team and explained my issue who transferred my call to credit card expert team. I explained my issue and the nature of credit score impact with these drastic changes in my credit limit, they explained that during annual credibility review my account was eligible for credit limit increase and system incremented my limit to XXXX instead of XXXX due to an error for which i haven't got notice till date. I tried to explain him this is going to damage my credit score which i can not afford at this time and i also told him, i wouldn't have concerned if this error was fixed prior to reporting to credit bureau. I had very bad customer experience talking to this person, which is secondary to this topic. At the end i was told they won't be able to help my case and instead they want me to apply for a credit limit increase. I feel american express is not taking ownership of this problem and impacting my credit score at their discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I see repetitive CO marks reporting on this account which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have checked my XXXX and XXXX credit reports. I have noticed that the account with Santander regarding a car loan still reflects a balance for {$12000.00}. But this amount was charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Portfolio Recovery Associates, LLC to validate debt and provide me with a signed contract with my signature on the debt they say I owe them in the amount of {$690.00}. I have not received the information requested to Validate debt. All they send are statements from previous creditor that was charged off.

Company response to consumer: Closed with explanation