vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
While flying Spirit, we were presented with the opportunity to get their XXXX which would give us XXXX bonus miles, they advertised as worth 2 round trip tickets. We applied and were approved. Since then we have accumulated more than XXXX miles and anytime we try to redeem our miles, the cost of using miles is monetarily MORE than just purchasing the tickets. A trip from XX/XX/XXXX-XX/XX/XXXX would cost XXXX miles + {$110.00} versus paying {$100.00} using NO miles. They claim it 's because of the Award Redemption Fee that applies between 21-180 days. I looked to book XX/XX/XXXX-XX/XX/XXXXand that would cost XXXX miles + XXXX versus {$110.00}. I feel this practice of soliciting card membership with the promise of reward miles that are useless is unfair and deceptive. We received and used their XXXX, which had a higher interest rate then our other cards, under the belief we were accumulating miles which would result in a benefit of at least 2 round trip flights.

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 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I 've been a customer of capital one for over a year. Not once before have I ever file a claim with my bank, and the one time I did, they denied my claim. I 've spoke to several claim representatives as well as customer service and nobody could solve issue. The customer service I received was horrible.. they treated me in such manor that I can say I was discriminated. The last repreentative I spoke to did not treat me like a customer she treated me like a number. I asked for the call to be escalated to someone higher and she could not connect me, she advised me someone would probably call me call me back, to this day I have not received a call back. my card was used by someone else that was not me. transactions were charged against my account at a location that I dont frequent. I ask they look at cameras or compare a signatures. this is such an injustice I live on a fixed income. I found my card and continued to use it to make purchases that I 've authorized. I ask the claim be reasserted and I receive credit for the fraudulent trasaction or I will be escalating this matter further. thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I got a advertisement from USAA credit card company to transfer high interest credit card balance to them with no interest if promotional transfer paid off in 18months. I foolishly transferred {$2300.00} to USAA. I find out that for the last 3 months I have been charged 18 % for transfer balance plus 18 % on current principle- That a combine rip off interest of 36 % ( is this not loan sharking ). I have made payments as high as {$1100.00}. {$700.00}. {$500.00} etc. The problem is that USAA applies very minimal to balance transfer ( as little as {$20.00} ) at times. This will cause the transfer balance fee to remain till entire balance is paid off. I am in process of paying this off as soon as possible. The sad part is that I would have never allowed my balance to get to this amount if I had known ( thought I was saving?? ). THE REAL SAD PART IS THAT USAA HIGHLY ADVERTISES THAT THEY ARE THERE TO ASSIST VETERANS AND MILITARY PESONNEL. SOUNDS LIKE THEY ARE HERE TO HELP US VETS OUT OF OUR FUNDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I opened the afore referenced account at the Wells Fargo & Company XXXX XXXX XXXX XXXX Branch in XXXX XXXX, California. I was issued an ATM card. Documents were then sent in the mail to activate the ATM Card and provide contact information for use by Wells Fargo & Company. I am enclosing with this letter copies of two screens for my account which I had to complete for the ATM card to be activated. One screen makes reference to Consumer Platinum Debit CardXXXX. That is not the ATM card that was issued to me. The Contact Information screen contained phone number ( XXXX ) XXXX-XXXX. That is not my phone number and I do not know whose it is. I dialed the number and it was answered by a woman who seemed to speak only XXXX. Something is definitely wrong with my Wells Fargo & Company account. Has my personal information been compromised? I am sufficiently alarmed by this situation to ask that you investigate what happened to this bank account once it was opened at your XXXX XXXX XXXX branch in XXXX XXXX. I believe this matter is serious enough that I will be reporting it to the Federal Reserve Bank of XXXX XXXX, the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau.

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 2017-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: PA

Complaint narrative:
I have taken a {$6500.00} loan out with Avant to consolidate some of my credit card debt. However I decided I wanted to payoff the remaining balanced I owed of {$4500.00} with a lower interest credit card I had so I called Avant XXXX XXXX, XXXX at XXXX to payoff my personal loan with them. The representative gave me a quote and I told him I would be using my credit card to pay off the amount. He then asked why, and I told him because I have a lower interest rate on my credit card so I would like to pay the whole amount off with it. Then he put me on hold for a few minutes than got back on the line and said I ca n't pay it off with my credit card, I can only pay the monthly installment amount. While all this was occurring I was reading the contract I have with them and no where does it state that I ca n't payoff with a credit card. So I told the representative that it does n't state anywhere on the contract that I ca n't use my credit card to payoff. And he said he was aware that it does n't state it but he continuously refused to allow me to payoff my loan. He then sent me to another rep whom was his manager. And I repeatedly said it does not state anywhere on the contract that I can not pay my loan off with the credit card. And she said yes it does n't but we ca n't and she kept on apologizing. The whole conversation was worthless. She wanted to transfer me to resolution but I asked what are they going to do? Tell me the same thing? I 'll talk to my attorney. And she said yes, I apologized. So I told her I dont want to speak to them if they ca n't help. It just does n't make sense, they will be getting their money if I pay off but it seems when I mentioned I had a lower interest rate on my credit card they did n't want to accept them because they want to make money off the interest on the monthly installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Carfast Financial Holdings
State: GA

Complaint narrative:
I have a retail installment agreement with XXXX XXXX, XXXX. ( Control # XXXX ). The company has been accepting payments for 8 months in accordance with that contract. On XX/XX/XXXX I was called into the office to get my GPS device services and the clerk, XXXX, stated that the firm had lost my financial documents a second time. After a very difficult day with the firm I agreed to a few changes in the contract given that some information had previously changed. 

Despite my car note being paid in full XXXX XXXX, XXXX repossessed my car on site with XXXX and another associate blocking in my car. I had to call the XXXX Police to regain possession of my vehicle. 

On XX/XX/XXXX I requested a copy of my complete file so that I could make sure my interest rates and loan terms did not change from the XX/XX/XXXX retail installment agreement. 

I 've made attempts to contact the firm to speak with a manager but have been denied consistently. On XX/XX/XXXX I called and XXXX hanged the phone up. On XX/XX/XXXX I called and was transferred to the maintenance department who " the manager '' ( no name provided ) informed me that the General Manager was present but would not be available to speak to me and he ( " maintenance manager '' ) had the authority to screen and gatekeeper the call. 

The documents I requested via email on XX/XX/XXXX were very specific : 1. A copy of my original retail installment agreement dated XX/XX/XXXX 2. A copy of the Privacy Notice upon signing the loan application. It was not provided to me and the managers at Car Fast Financial has made statements to XXXX XXXX XXXX about the details of my loan. I was later mocked by members of the maintenance department that I was not approved for outside lending ( how did they know that for sure? ) 3. I requested a statement from the company that Car Fast Financial has the physical possession of the title for my car. 

The company has on no way made any attempts to honor any of my requests. I 'm making a complaint in hopes that I can get the information I need in order to avoid legal action.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed a bankruptcy case with XXXX & Transunion which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.

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 2017-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On XX/XX/XXXXI attempted to make a rent payment using my Google Wallet account. The transaction was cancelled. When I reached out to Google customer support, they informed me that the card issuing bank had cancelled the transaction. I called XXXX XXXX, the card issuer, and they stated that the transaction had posted to my account and they did not cancel the transaction. I then contacted Google support again and relayed the information the bank had given me. Google then stated that they flagged my account as risky and cancelled the payment. Further, they reviewed my account and unflagged it. At this point I asked if the transaction would go through and Google support stated no that it was cancelled. I then asked for a refund and was told that usually refunds are instant, though sometimes can take 10 business days. I asked if there was an issue returning the money and the support response was " In an ongoing effort to protect customers and Google from fraud during transactions, our Risk specialist team reviews all transactions coming through Google 's payments service ''. I then asked for the names and ID 's of the specialists involved as I plan on filing a complaint and was told that information was not available. Google support has stated that " Rest assured that your money is safe with us. It 's a process based decision to keep the account on temporary hold when they find any risk issues involved. '' but has refused to release my money or push the transaction through even though my account had been assessed to not be a risk. Google has refused to release any names or ID 's for the specialist team. The risk assessment seems arbitrary and without warning.

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 2017-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I sent this person money onXX/XX/XXXX apparently he picked it up on XX/XX/XXXX and now I suspect fraud because he is not returning any of my phone calls or text messages now I want to file a complaint to see if I can have my money refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: GA

Complaint narrative:
I Were contact by this collection agency Alliance one receivable management XXXX about a debt that Were place in there office from the original creditor XXXX XXXX credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: IN

Complaint narrative:
on or around XXXX XXXX 2017 capital one put a fraud alert freeze on this account, ok they wanted proof of address and proof of id which was sent then they wanted bank statement showing the address we sent all those then they said they needed the full account number for the bank account they were not accepting what was sent to tthem, so we got the bank to write a letter showin the full account number name and address now capital one is saying the bank wont verify the information over the phone, I explained to capital one that banks do n't verify personal accounts over the phone only with the account holder which capital one should already know that, also XXXX XXXX I tried to make a payment for full amount due they did not accept the payment because of the fraud alert issue, that for some reason they put on, then 5 weeks later I get a bill charging interest on the amount they did not accept for payment. anyways they have aggravated us wasted our time with phone calls callin banks sendin paperwork to tthem to prove who we are and still nothing I feel we are owed some kind of compensation for all this and capital one needs to be investigated for their behavior and handling of these so called fraud allegations, I am wilin to pursue this in court in need be. just as the bank told me they 've never heard of a credit card copany demanding a persons full account number for a bank account to verify proof of someone the bank even thought this was little shady and for us to be careful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: OH

Complaint narrative:
I do not owe any debt, and the collection company does not allege that I owe a debt. This debt collection company contacted me looking for someone else, and in doing so, disclosed that the other person owes a debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I Were contact by this collection agency XXXX XXXX XXXX XXXX XXXX about a debt that Were place in there office from the original creditor Captail one credit card per the collection promise if i settle this account With them in they dept they Would update all information and report to the account Was settleand to have account remove from my credit report so i paid the settlement offer With collection agency so futher more i check my credit report and they did not do anything that they promise me so With that been said the collection agency i paid Were not on my credit report so the credit bureau Would not accept my dispute do to the original creditor still report on my credit When they sent my account over to this collection and refused to accept information from What the collection advise me What going happen once i paid them not only the original creditor refused to remove account off my report they are also report inaccurate information on payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 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: FL

Complaint narrative:
I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I disputed this debt with Resident collect inc for {$1200.00} and it was deleted but immediately placed back on my credit report with a different name but the same company and the same address as Resident Collect Inc. It 's reporting in my credit report as Innovative Recovery for {$1200.00} and it 's still the same company as Resident Collect, Inc. I 've disputed this debt repeatedly with them! I 've contacted the original creditor of the debt and they said they have no record of me owing the debt to them! I asked Resident Collect Inc for validatity of the debt and they have n't provided any documents! They put the debt on my credit report twice without giving me the right to dispute the debt or send notice saying that I could dispute it! They are playing games with my credit file and breaking all kinds of FCRA laws! They are not listed with a surety bond in the state of Texas under Innovative Recovery to collect a debt and besides the original creditor which are apartments is saying they do n't have record of me owing the debt. So how are they allowed to continue this illegal practice! I 'm willing to bet that I 'm not the only consumer this is happening to! This is my 3rd attempt to settle this matter, that is why I 'm reporting them to the CFPB to get help with the matter. They made it hard to dispute because there is no record of Innovative Recovery unless you XXXX them and it 's web address is residentcollect.com so the company is resident collect not Innovative Recovery. They are reporting dishonestly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient Solutions is reporting derogatory on my credit report, for a zero balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved

Company response to consumer: Closed with explanation