vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filedXX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from XXXX XXXX claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to Machol and Johannes on XX/XX/XXXXrequesting verification of the balance and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: NV

Complaint narrative:
I received a copy of my credit report and I notice a fraudulent hard inquiry, I called Experian right away and placed a fraud alert and ask them to remove the inquiry for my credit report. They help me with the fraud alert but they haven't remove the fraudulent hard inquiry. Please help me removed this fraudulent hard inquiry from my credit report. XXXX XXXX XX/XX/ 2018 2018

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 non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
It is absurd this law firm is permitted to function. They do and say whatever they want and the court just rubber stamps whatever they file. For one, they made publicly available every single credit card purchase I ever made. My case is not the only case this has occurred in. I know, because I went to the county court house and obtained credit card statements for these individuals and only the account number of a charged off credit card was redacted. This seems like a much larger violation of my privacy than the XXXX XXXX scandal. If this isnt illegal, then Congress seriously dropped the ball because the banking industry is regulated! Secondly, the fees on multiple writs they filed dont add up. The first writ filed XX/XX/XXXX costs are {$80.00} more than the affidavit of costs. Why when the fee for filing a writ is {$45.00}? The second writ lists costs are {$10.00} more than the first. Again, why when the filing fee for a writ is {$45.00}. On the third writ costs are {$150.00} more than the first writ. Again, why? It baffles me the court approves these writs when they do not have documentation to support the amounts listed. Finally, or at least the final complaint I am putting here, is they garnished {$280.00} from me and I have not been able to get confirmation this has been applied to my debt. Quite the opposite, I received a letter from Capital One claiming the balance is {$3200.00} only {$80.00} less than the writ served on my employer. I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX requesting verification of the balance and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I went to purchase a car at XXXX XXXX  in XXXX and was told by a sales associate after my credit report was ran that I was getting the car financed at 8 % with a payment of XXXX  each month. When its time to sign papers with the finance manager he changed the contract to 11.6 % and a higher payment to XXXX. When I asked him why it changed he replied that it was because my payoff on my trade in was different from what the sales agent seen when it actually wasnt. They wrote a different payoff on my contract than they actually paid off, it is different. So they owe me money or my apr should have never been changed. Also when I asked the finance person why it changed he replied with didnt sales go over this with you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OK

Complaint narrative:
I was checking my credit report and noticed 1 derogatory mark from Diversified Consultants Inc. In my report it is claimed the account is mine, which it is not. I have submitted several letters and done disputes asking for validation of the debt baring my signature or contract and have no received such information. Only thing I have received is itemized letters which do not count as validation and actually show different balance then what is being reported on my credit report. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
On XXXX2016 I brought a XXXX XXXX XXXX XXXX  The dealership I purchased it from was XXXX XXXX XXXX.The agreement was for 75 months at {$350.00} at a 12.4 % interest. I did not understand that the 12.4 % was not the actual total interest that will have to be paid. I believe that I was targeted and received a predatory loan. I believe that most of their customers received better rates and access to higher end cars. Nor was I told that I had time to opt out of loan. I was told that I was getting a {$2000.00} discount for the one year depreciation which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I previously filed a complaint stating that I did not receive validation of the debt that this company claim I owe them. I never signed a contract with them and they have not given me proper validation. From the previous complaint they agreed to cease and desist collection activity but has now added this none validated deb to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX the day after the payment due date and the day after AMX withdrew the money from by bank account, I received an email stating that AMX has reduced the credit line on my AMX Blue Cash card by {$3100.00} even though I have never paid late or missed a payment, never exceeded my credit limit, and AMX has increased my credit limit several times ( credit limit increased {$2000.00} on XX/XX/XXXX, {$3000.00} XX/XX/XXXX, and {$1700.00} XX/XX/XXXX ). On XX/XX/XXXX I received a letter from AMX stating that my credit limit had been lowered. According to the letter part of the decision was based on my FICO score the AMX obtained without my knowledge or permission on XX/XX/XXXX. By reducing/lower my credit limit it will appear that I am using a higher percentage of my AMX credit line that I was when the purchases were made therefore reducing my FICO and credit score even lower than what it was prior reducing my credit worthiness and making harder and more difficult for me to obtain credit. I don't know what AMX 's objective is and or what AMX intends to accomplish by reducing my credit limit. There is no statement on the credit report that indicates that the credit line was $ XXXX and balance was $ XXXX  prior toXX/XX/XXXX and that on XX/XX/XXXXthe credit line was reduced by {$3100.00} for other creditors to see when pulling a credit report and considering any credit application. On XX/XX/XXXX, I contacted AMX by phone to discuss the decision to lower the credit line and spoke to a representative of foreign extraction, it seems that AMX out sources customer service call centers to foreign countries. The representative asked questions about my employment and income and if I rent or own my home and I told him that I own and that the house was paid for and there is no rent or mortgage payment owed and the house is free and clear. The representative stated that in order to restore the credit line I would have to pay 50 % of the balance owed by XX/XX/XXXX or submit financial documents such as bank and savings account statements, IRA or 401k, ect., for AMX to " review '' and make a decision within 45 days. In previous experience with companies most of the time when they offer to " review '' they usually still say no and make up some reason to justify upholding the original decision. It is highly unlikely that AMX would revers it decision so it would be a waste of time and effort to submit financial documents and that my 401k and IRA are less than 90 days old so there has been no time for them to grow interest and become established.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My name information is wrong. My last name not is XXXX. Please eliminate this name.

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 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I applied for an apartment lease at a complex called XXXX XXXX  around XX/XX/XXXX. I never signed lease and 3 months later I get a bill in the mail for XXXX . I ignored it due to the fact that I knew I didn't owe this amount, and another 2 months later i received another letter from collection agency NCC business services. I ignored debt not applicable to me, and did not find out it was sitting on my credit report until I tried to apply for a different apartment recently ( XX/XX/XXXX ). I tried calling NCC business services and asked for either a settlement or pay for delete, instead I good a very rude representative so I hung up. I went through online dispute and even tried to sent complaints to their management asking for proof of validity but no response. I can pay off debt fully but it is not correct and I should not be charged it, my main concern is taking it off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
On or about XX/XX/XXXX, my wife and I took out a loan from One Main financial in the amount of {$7500.00}. At all times until XX/XX/XXXX payments were made on time. On XX/XX/XXXXa bankruptcy was filed in the United States Bankruptcy Court of XXXX Washington. The case number was XXXX Both XXXX   and XXXX XXXX were included in the bankruptcy and One Main Financial was notified of the filing. Despite this, One Main continued to draft the monthly payment out of our account until XX/XX/XXXX. At that time, they were notified they were in breach of the bankruptcy automatic stay. On XX/XX/XXXX, the bankruptcy case was completed and a discharge order was issued.

On or aboutXX/XX/XXXX One Main Financial reported on both XXXX  and XXXX XXXX 's credit report that the account was 90 days past due and a balance was still owed. This is in clear violation of the bankruptcy discharge and is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Mileage Plus Explorer Credit Card and have been a member for since XX/XX/XXXX. In XX/XX/XXXX, I was charged an annual fee of {$94.00}. I requested Chase refund the fee and close the account. They refused to refund the fee so I kept the account open and began to use the card. 

I have a {$25000.00} card limit. In XX/XX/XXXX, I charged about {$4000.00} on the card which was paid off via direct debit in full and on time. It was the first time I had ever used the card. Chase then subsequently cancelled my card for " rapid increase in revolving balance. '' ( Of course there was a rapid increase as I had never previously used the card. However, this cancellation seems unjustified as I used less than 20 % of my overall limit and retired the balance in full at the end of the month ). I contacted Chase requesting they either refund a pro-rata portion of the annual fee or reinstate my card but have been completely stone-walled by unempowered customer service representatives. 

Since XXXX, I have rung Chase 5 times and been referred to multiple different parties. I have also used their secure messaging facility and exchanged over 14 messages with them. All these contact mediums have done is refer me back and forth to one another. No single party is empowered to deal with this issue. I have also written to Chase Card Services, Executive Office, XXXX XXXX XXXX, XXXX, OH setting out my complaint. Not once, other than on the secure messaging site, has Chase ever contacted me about this matter. 
As I am overseas, I have repeatedly requested a call back on my overseas number or an email contact. There has been no response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi Bank through their Card Services division is using their size and might to influence legal transactions by discouraging the legitimate commerce in otherwise private transactions. Specifically Citi is advocating for XXXX groups by refusing to do business or allow business transactions to occur using their credit/debit card services for firearms and firearms accessories. It is not, in any manner, a good business model for a large corporate bank to stick their nose into my affairs by tracking/assessing what goods and services I choose to purchase which are legal, and thereby disallowing my transaction to occur simply because of the Citi mantra in how they want to influence the marketplace.

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 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Strategic Financial Solutions, LLC
State: TX

Complaint narrative:
The company is scamming people out of their information by providing false hope to obtain a loan. They tell people they will be funded and never fund the loan. They then take your information, send and sell it to other companies. XXXX is a complete scam. The whole XXXX XXXX XXXX  system is scam. Including XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America ( BoA ) through their Card Services division is using their size and might to influence legal transactions by discouraging legitimate commerce in otherwise private transactions. Specifically BoA is advocating for anit-gun groups by refusing to do business or allow business transactions to occur using their credit/debit card services for firearms and firearms accessories. It is not, in any manner, a good business model for a large corporate bank to stick their nose into my affairs by tracking/assessing what goods and services I choose to purchase which are legal, and thereby disallowing my transaction to occur simply because of the BoA mantra in how they want to influence the marketplace.

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 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I lost my wallet with Social security card & ID & piece of paper including my email address/its password too and I didn't know even my another cellphone line SIM card was in it, thats why I didn't deactivate it. I mean somebody could use my Email, phone, my signature and all my personal data. XX/XX/XXXX I did pay some monthly payment for that credit card, because creditor did call me and I was trying to take care of this account ( even its not mine ) for keeping my credit report clean.

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 non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: APPLE FINANCIAL HOLDINGS, INC.
State: MD

Complaint narrative:
Sir Request being repeated Complaint against Apple Inc, California No Customer service My Daughter XXXX XXXX & Grand Daughter had come to XXXX last week. 
Daughter is staying at XXXX, Maryland, USA. She/Grand Daughter are back at USA. 

My rand Daughter front cover of XXXX  was damaged, so I requested my Daughter to Visit Apple Authorised Dealer. She Visited XXXX XXXX XXXXXXXX XXXX NOXXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, She was asked to come after 2 days. When XXXX visited your authorised dealer after 2 daysshe was informed that front cover/screen of XXXX is not available in the Market .However She was asked to visit some shop at XXXX XXXX XXXX XXXX. 

My Daughter visited the repair shop as instructed, she was asked to pay Rs XXXX [ INR ] in advance, amt paid on XX/XX/2018. & collect the XXXX  next day. My Daughter was to leave for USA next day, & XXXX XXXX was delivered next day morning. After reaching at USA She found XXXX gets hang on each start. XXXX is being used by my Grand Daughter. 

What is my humble appeal, My Daughter has taken trouble to find out your Authorised Dealer, again to trace out repair shop at XXXX XXXX, Paid Rs XXXX XXXX, but XXXX  is  not working. We appeal for your kind consideration. 

Thanking you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mary landXXXX XXXX XXXX XXXX PS- Sir Apple Inc has informed that consumer has no proof, appointment taken with Apple authorized service center, but we clarify [ 1 ] XXXX  was not handed over to service center since they had no front screen cover on hand [ 2 ] My relatives have inquired, no consumer takes prior appointment of Apple Service center. Consumer just visit Service center.

Apple should not misguide consumer, customer.

W feel humiliated, Apple do not trust Consumer/customer We only appeal, I XXXX be repaired at most reasonable cost XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland-XXXX tel-XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AP

Complaint narrative:
Hi. I had previously submitted a complaint re Equifax and their release of my personal information ( via a hack ). More specifically I had been unable to establish a TrustID account with them as they had promised to those of us " hacked ''. The complaint number is XXXX and was submitted on XX/XX/XXXX. 

My understanding of their response is I could not prove that I am XXXX XXXX. Although I applaud their security in this effort, what they did not tell me is how I can provide that I am in fact XXXX XXXX. I am happy to provide copies of my passport, driver 's license, etc. As proof of my identity and intent, I have attached a copy of this years Annual Credit Report Equifax provided me in XXXX of this year. I can provide much more documentation if Equifax will provide very specific instructions on the information they need. 

As a side note, I am a US Citizen working in XXXX at the XXXX XXXX. I can provide US Government orders showing this fact. I am a citizen of the US, pay US taxes and VA state taxes. Also, I will be finishing my tour in XXXX in XXXX of XXXX and will return to my previous address of XXXX XXXX XXXX, XXXX, VA XXXX around XX/XX/XXXX. 

Please, please, please let me know how I can fully establish a TrustID account! 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems
State: WI

Complaint narrative:
This is from XXXX XXXX XXXX , XXXX which is a company I haven't done any business with whatsoever. Midwest Recovery Systems is handling the collection of this unknown account of which they claim I owe XXXX dollars. There have been 38 people that have gotten unknown reporting on their credit report including mine from these companies.

Company response to consumer: Closed with explanation