vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been trying fpr month to fix things in my credit report, one was a account open with Capital One using my personal information which the result was a fraud account and after the internal investigation shows as a fraudulent account which Capital One took action and removed from my credit report just kept open my one credit card account and a checking account. 
The issue is after many calls to customer service, recovery department, many hours in total nothings seems to help remove the fraudulent account from capital one system which is blocking me the ability to request a credit line increase in my current account ending XXXX The fraudulent account ending XXXX is causing the system internaly to deny a credit line increase because of this. 
Everytime I call CS and Recovery they put me in " waiting '' to comunicate betwen departmets to solve the sotuation but the results are the same.

I am attaching a copy of the investigatiom results removing the fraud account and a copy of the reply given from 'Capital One everytime I try to request a limit increase. 
I dont have charge off in any other of my credit reports and clearly the letter shows an issue with the Capital One system. 
I am filing this claim because tha CS amd revovery departmets from capital one after more then 8 calls wasting hours waiting are not able to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and XXXX is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after XXXX  deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is XXXX will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.

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 2018-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Was diagnosed with XXXX during the 4th year of XXXX school. Had to get treatment. Could not repay loan during this time. No assistance was offered from the lender regarding interest rate reduction or deferment. The lender only offered to charge interest-only ( $ XXXX/month ) for a year. Interest accrued at a high rate, effectively doubling the total cost of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Starting XX/XX/2014 I accepted and signed a loan contract to purchase a new XXXX XXXX XX/XX/2014 from a local dealership with Fifth Third Bank. I had 60 days until the first payment was due. The loan states I owed 73 payments of {$480.00} monthly. The Bank later then sent a new payment arrangement with new and lower payments of $ XXXX/month we qualified for due to our ( co-signer ) credit score, however the extended more than 73 payments, This did not make sense to me. I still decided to follow and pay the first payments amount of {$480.00}, Bank sent a letter informing me that they charged extra fees for late payments and that they were charging me for insurance, when I already had my own insurance. I kept sending my monthly payments with money orders. Bank was persistent in charging insurance fees and late fees even when I contacted and showed proof of the vehicle being insured and asked why are my payments being received late when I sent payments weeks before due date. Bank would make multiple calls through out the day asking to bring my account current, so In good faith I sent {$620.00} on top of my monthly payment. Thinking that would resolve the issue. According to the bank payments were still being received late so late fees kept piling up which at this point I was just exhausted and hopeless, regardless I still stuck with sending Same amount monthly and ignoring their constant persistent calling and threats of repossession or delinquent account even though Im still paying? I received a notification last year that the Bank insured the body of car, I always had full coverage insurance on my car so why would the Bank on there own decision even insure the car? At this point I know the Bank just uses unfair business tactics against thier costumers for their greedy purposes. I researched reviews and noticed similar not far fetched experiences that I am going through as well. Finally one more last thing the Bank repossessed the car since my account has never been current, I contacted the Bank to see what solutions we can find to either just let the car go or bring my account current I was not paying one single dime more that I was certain of. The reps found out that all my payments were being received and could not explain to me why it was repossessed that shows how unorganized the company is. Long story short the bank returned the car back and stated that the account is actually current. I did not have to pay all the extra fees and past due amount they were charging all along. Its been almost a year since then. I continue to make payments but here again late fees and past due amounts come to hunt me again ... Im tired I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I retained this attorney 's office for a mortgage foreclosure. My income changed and I wasn't able to make the required payments. I was told that they would represent me in this action and ask me how much I can pay monthly. I gave them a sum of {$300.00} and it has been ongoing from XX/XX/XXXX to XX/XX/XXXX. I've paid approx. {$10000.00} for attorney representation. 

Through the attorney 's office, I wasn't offered any programs to save my home. I asked for programs to save my home, none was offered to me. When I would call periodically, I was told they were handling it. Now foreclosure judgement has come, and my house was sold XX/XX/XXXX. My  attorney stated that he put in a appeal that was denied. 

I want to make a complaint on this law firm who took my money for three years, which is around {$10000.00} and provided me with no 'options ' in saving my home. I am a single parent with XXXX twins. My mother lives with me. She is also XXXX. I need my home. 

I'm asking you to investigate this case, to find out if there was any wrong doing on behalf of this law firm.

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 2018-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
I was approved for a loan and wanted to take the funds but was unable to do so because I refuse to sign their Optional Payment Card Authorization. XXXX XXXX has my account on file and my debit card as well. I told the representative that I did not want them them to debit my card but they can ach the funds out of the account instead. The problem with this is that I didn't sign it before and still received a loan. Also this company has went out their way to give single payday loans to individuals and not receive a debit card on file or a check as collateral, instead they would do a draft by putting the store number as a replace of check. when I ask if they can do the same for me they stated no. 

This is a form of udaap. they treated me unfairly and treated others different. Ive work for this company for tens years now that I'm a customer mi am treated differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: CT

Complaint narrative:
ON XX/XX/2015 I purchased a XXXX XXXX. The price was {$20000.00}. Now that I reviewing the price because I can't afford it i realize that I owe {$28000.00}. I don't understand why I am paying interest and principle in advance. The numbers are way off. The place I purchased from is XXXX XXXX XXXX dealership in XXXX CT. My ARP is 14.95 percent I think I am being cheated. 

The reason I mentioned this, is why do i have to pay principle and interest on a car that I want to sell back to them for the total amount that includes principle and interest for the next several years? 

Is this legal?

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 2018-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contact US BANK to dispute an fraudulent transaction and I was told this fraud on my savings account can't be disputed when I told them they have my account number the transaction showed my bank account this is Not an Error this is FRAUD money was taken out of my by using my account number which means my account has been compromised and I have sent the claim in for ACH entries I didn't know it was on my account until I looked through all of my transactions and saw this transaction for {$75.00} done on XX/XX/2018 # 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 2018-05-27 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: VA

Complaint narrative:
I contacted Equifax and XXXX by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted Equifax and XXXX  the entire month of XX/XX/XXXX and XX/XX/XXXX by phone and U. S. postal mail. The companies also sent Equifax and XXXX letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified Equifax and XXXX and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and Equifax and XXXX is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against Equifax and XXXX. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with Equifax and XXXX based on this information being removed from my credit reports. As of today the information is stil on my credit reports and Equifax and XXXX is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with Equifax and XXXX. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27 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: Total Card, Inc.
State: GA

Complaint narrative:
I tried to use my credit card in XX/XX/XXXX only to have it denied ... i had just paid my bill recently and I knew there was plenty of funds on the card, so I called customer service. I was told that my account was past due! It was not!! At some point, the customer service rep advised me that my billing due date had changed ( by accident ) since I had not authorized this change. My billing date was always around the middle of the month and all of a sudden it was showing due by the XX/XX/XXXX of each month. I told the representative that I had NOT changed the date and it needed to go back to my original due date. She assured me that she would take care of this and that it would not cause any issues! Since the middle of XX/XX/XXXX through present, I repeatedly receive emails saying that I am " past due '' or behind on payments, which I am not! I have called them about 3-4 times regarding this issue and I can not use the card because it is showing I am past due! As of right now, I paid {$50.00} before the due date and which is also more than the minimum payment and my purchase of {$42.00} was denied this weekend! My online account statement says that I have {$64.00} remaining credit and that I am past due. They need to get it together and get this issue fixed immediately! I am tired of dealing with it! Furthermore, I am not sure if I am being charged a late fee unneccessarily or if the " lateness '' is being incorrectly reported to credit agencies. How long does it take to fix something like this? I wouldn't think it would take this long!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a soft pull prequalification inquiry through several lenders, one of those being OneMain. When submitting the prequalification at OneMain.com, there was a disclaimer that stated " THIS WILL NOT HURT YOUR CREDIT SCORE '' next to the accept button. There was verbiage further down the screen that stated this was a soft pull as well.

After hitting the button to " GET STARTED '', I was presented with a pre-approval for {$10000.00} secured, for which I have nothing to secure the loan and do not want to entertain a secured loan anyways. I did not want to proceed. There was a button to continue that warned that a hard inquiry would be performed if I accepted. I closed the screen. I then got notification that my credit had been pulled as a hard pull. I gave no authorization to perform a hard inquiry. I am being very careful about inquiries and giving access to my full file, and I am very conscientious about only working with soft pulls until I am prequalified.

I called OneMain and asked that the inquiry be removed, giving the benefit of the doubt that this was a glitch. I was advised that it would be removed by the back office team. I was then emailed by OneMain and asked to submit a written request to remove the inquiry. I submitted that request via email, and included a screenshot of the SOFT PULL screen that was still on their website. I received a denial letter in the mail, stating that OneMain had permissible purpose. 

This behavior has already been addressed in XXXX v. XXXX XXXX, XX/XX/XXXX. It is not good business practice to advertise a soft pull, use that as a marketing tactic ( see if you qualify without hurting your credit ), perform a hard pull without authorization, and then claim to have authorization. 

Please promptly remove the inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, continues to print the full credit card account number on its paper statements that are mailed monthly. All other creditors that I do business with mask the credit card number on both paper and electronic statements. Since mail theft is on the rise, and I was recently the victim of mail theft, this poses a high security risk. A phone call to XXXX XXXX credit department yielded no solution. I would like to ask XXXX XXXX to desist this practice as other creditors have done so.

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 2018-05-27 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On my bank statement from XX/XX/17 to XX/XX/17 I observed 4 charges that I did not recognize and therefore I wanted to dispute them. The fit time I called the bank Barclay they asked a few questions and they determined that the charges were made by me. 
They advised that they were able to verify that the transactions were made by me therefore they will not initiate a dispute investigation event that is a violation of my consumer rights. Barclays can just assume because I am the cardholder all the transactions were made or authorized. Out of the 4 charges I have dealt with 2 vendors in the past but the charges that appears on my statement were not made nor authorized by me that I can recall. If the charges were made by me I demand from the bank to prove me with a voucher form the vendors on the amount of all 4 charges along with my  signature. 
I have requested to escalate this issue with upper management at the bank and I was told that someone will contact me back since the first time I contacted to the bank and as of today I have not received a phone call from anyone at the bank.

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 2018-05-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted XXXX and Experian by phone and by mail to dispute and have incorrect information removed from my credit reports after receiving the information directly from the companies. I have contacted XXXX and Experian the entire month of XX/XX/XXXXand XX/XX/XXXX by phone and U. S. postal mail. The companies also sent XXXX and Experian letters asking them to remove the information from my credit report as well and they are refusing to do so. Both credit agencies keep telling me that they can not remove the information only the companies can. I contacted the companies and they told me that they have notified XXXX  and Experian and that they will have to remove the disputed information not them. I have mailed letters and contacted them and I am not getting anywhere. The information still remains on my credit reports and XXXX and Experian is refusing to update my credit reports to reflect the correct information. I need assistance in this matter and the only other option I have left is to file a lawsuit against XXXX and Experian. I need assistance and for this information to be updated ASAP. The law states that information that is disputed must be updated or removed if not both. I am looking for my credit scores to go up with XXXX and Experian based on this information being removed from my credit reports. As of today the information is stil on my credit reports and XXXX and Experian is refusing to remove it. I have gotten no where with calling them and paying lots of money mailing the same information to them to remove the disputed information. XXXX  is the only credit agency that has updated this information without incident or problems. Once the information is removed from my credit reports I am also wanting to ensure that my credit scores do go up as well given that I've had so many problems with XXXX and Experian. Please assist me in this matter ASAP. I am up for renewal of my security clearance and I need for this information to be updated ASAP. Thank you for your prompt attention to this matter.

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