vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Credit Corporation
State: UT

Complaint narrative:
On XX/XX/2020, I received a letter with XXXX County letterhead claiming to be the department of tax administration. It claimed a tax lien and demand for payment. In the body of the letter, they informed me that a copy was sent to my previous employer demanding to garnish 100 % of my income until the debt was settled, and threatened that unless payment was received in full by XX/XX/XXXX, they would file suit at the court. The return to address, and callback numbers listed were to NCC in XXXX, VA ( and to their PO box ) attempting to collect on a debt. I called them to inform that threatening legal action, wage garnishment, tax liens, and posing as county officials was at the least, highly unethical. They hung up on me twice, didn't answer my phone call again, and when I called from my wife 's phone, they picked up and told me " go ahead and call the county '' in a mocking voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX/XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I've been disputing with XXXX on an existing debt collection account ( LVNV Funding ) that they keep reporting. XXXX   and XXXX  have deleted this account due to unverifiable documents while XXXX  continues to respond that the account is verified. I've disputed online and and recently via mail. How can XXXX  continue to tell me this account is verified when no documentation has be sent to me and the other two bureaus immediately deleted the account due to unverifiable documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Hauge Associates, Inc.
State: IA

Complaint narrative:
I received several calls a day from random numbers throughout the country. They will not tell me who they are when they don't hang up on you, they don't leave messages, extremely rude,. I have repeatedly told them to stop calling me a contact me via mail and I will give anything to my attorney. This has been going on for months, everytime I block their call I get it from another area code. When you XXXX  some of the numbers it tell you Hauge and associates. They have no professionalism, they threaten you, they don't tell you what anything is about and just tell you to give them money. 

If I have an account out there that I don't know about or anything, why cant they send me the information I request via mail so I can validate that this is a legit debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
This company has thousands of complaints on the XXXX XXXX XXXX website from others stating that they receive harassing and endless phone calls from this company. Most reports say this company is a SCAM. They continue to call my phone every day, multiple times a day. They never leave a message.

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 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I have contacted Capital One Credit Card Serves and tried to get help with lower payments and to stop interest on my account until I get to a better place. XXXX XXXX were great and I have been on their program with 0 % interest and a lower payment since last year. I have been faithful and they have been decent. I have had several physical health challenges since XXXX of 2019 and as a result I had to down size on one of my occupations and finally stop it all together. I also had a sudden crisis XXXX of 2019-XX/XX/2019.with my home and contents that resulted in over 5,000.00 out of pocket ( credit cards ) expenses that were not covered by my home-owners insurance. To no avail Capital One will not work out anything with me except to waive a late fee. So, I have paid nothing, which seems to be the only alternative getting their attention and for lack of a better term, forcing them to work out a plan with me. I owe them XXXX I have expressed my desire twice to be accountable. I've expressed that I want to pay what I owe and that I am not looking to shun my obligation and it is like it falls completely on deaf ears. I am married, but, it is my responsability and my husband can not afford to pay this debt for me. I need fair treatment as I desire to give fair treatment to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2018, I noticed about {$5000.00} of XXXX charges on my credit card from in game purchases. I notified XXXX that I did not authorize these charges and I was told that they would refund the money. When I did not receive the refund, I contacted my credit card company who investigated the matter. Somehow I lost the fraud claim and paid the balance. To prevent this from happening again, I was told to cancel the credit card and place a merchant block, which I did. 

In XXXX of this year, I noticed XXXX charges again. I contacted my credit card company and again cancelled the card and placed a merchant block. However, the charges continued. I cancelled the card 3 times and placed merchant blocks. I was told by my credit card company that I would not response for the charges because I placed a merchant block. However, today I was told that I am responsible for the charges. I have contacted the card company numerous times and I did not give XXXX the new card numbers. However, XXXX remains able to charge my card by passing the merchant block without the card number. 

The credit card company is " unable '' to assist me. All of my call get rerouted to different departments, who claim that the last department is the only one who could help. I have asked if I could record the conversations because some of the information they provide is completely unbelievable. Such as one person claimed to have never heard of a merchant block. However, they refuse to allow me to record the conversations. They do not provide employee identification numbers or anything that I could use to later identity them. I am only given their first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Huntington Debt Holding LLC
State: MO

Complaint narrative:
I received a voicemail message stating that if I didn't return the call it would be escalated legally. This company never left their name or advised they were attempting to collect a debt. I returned the call the lady stated they were collecting on behalf of Huntington debt holdings. She stated they had bought the debt from XXXX XXXX. I informed her that I never received any communication stating the account was sold nor did they send a letter giving me the amount owed and opportunity to dispute the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX   envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: United Group Inc.
State: FL

Complaint narrative:
The loan for the car on my reported charged of but when I put a dispute on accuracy it changed. It showes I've missed a payment every month and the balance increases. The original loss was reported at XXXX. Now its XXXX? How can they do both. Company repped the car never gave me a chance to fix the problem with the dealer. It was a hybrid  and the batter wasnt charging. They were looking in to it when the company came an just took it the same day I talked to the lady ... I put of XXXX dollars on that car. I lost my job. I lost my home. It was horrible. I feel the company was unfair. I have several loans with them. Person I worked with wasnt pleasant. It was just 30 days. It's been traumatic situation. I've disputed on all the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
They were very evasive about the interests when I was questioning them. 
The money within the account before I can even see though contract. The more I question them about the text or the interest rate the more evasive they became it was manipulating and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
I purchased three Google XXXX  gift cards totaling {$150.00} on XX/XX/2019 to provide to a friend. The first card was redeemed. The second card was determined to be damaged and was refunded to my Google account. The third card came up with an error message wanting more information. Believing this would be handled in timely manner, two more cards were purchased totaling {$100.00} to replace the other two unredeemed. These two were also refused redemption. The information requested by Google has been sent to them 5 times. They have been called dozens of times to resolve this. I have been lied to numerous times about the problem and I have not been given any explanation as to why they continue to refuse to allow redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
After submitting a dispute challenge letter to Experian, about reporting account that has been deemed unverifiable, reporting inaccurately, and is in violation of FCRA rules and regulations and multiple violations Under the FDCPA. 

Account # XXXX ( XXXX/XXXX XXXX ) Currently still remains on my Experian credit report even though I asked identified the following violations and inaccuracies to Experian. 

( Please see attachment for further details ) : Unverifiable account balance, violation account must be deleted. 
: Unverifiable last date of activity on a closed charged-off collection account. Violation account must be deleted immediately. 
: Not reporting last date of payment. Violation account must be deleted immediately. 
: Not reporting last date account was updated or last status update. Violation account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX  XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX  XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX/XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}

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 2020-02-14 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT EDXXXX XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXXXXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX    XXXX {$2500.00} XXXX XXXX XXXX {$590.00}

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 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
Final payoff check for auto loan was XXXX to Chase Banks physical overnight address on XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX TX XXXX. Packaged was signed and delivered by XXXX XXXX at XXXX on XX/XX/2020. XXXX envelope contained check # XXXX dated XX/XX/2020 for {$15000.00} for final payoff. As of XX/XX/2020 check still has not been cashed and now I am showing 30 days delinquent on my credit report. Ive provided all necessary proof to Chase bank and they still have not rectified this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have advised Equifax of the erroneous reporting of these accounts multiple times and they keep reporting this incorrect information. XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have all refused to update the information even after I have provided verification of payments to satisfy these accounts. The problem clearly lies with Equifax because I don't believe they are contacting any of the agencies and verifying any of the information.I want these accounts removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hello, I have the unfortunate news that Capital One has decided to to bait and switch me as a customer with their signup offer. I applied for a Capital One Spark Card on XX/XX/XXXX, which was the final day of the Spark offer in XXXX, application must be submitted by XX/XX/XXXX. The signup bonus was for XXXX points after {$5000.00} spend in the first three months and an additional XXXX points. I am not being told that because I was not approved until the next day that they will not honor the terms of my application. I was never denied for the card and this all occurred under my original application. I would like to report this flagrant bate and switch by Capital One and their unwillingness to honor the terms of their agreement after many phone calls where I presented them with this opportunity. 

Terms of Signup at time of application : Capital One Spark Miles for Business. Earn XXXX miles when you spend {$5000.00} on your card within three months of opening it. You'll get XXXX bonus miles when you spend {$50000.00} in the first six months. 

Offer I ended up receiving XXXX miles points after XXXX spend within three months. 

Here is a link to a blogger summarizing the expiration date and terms of the offer : https : XXXX https : //www.businessinsider.com/last-chance-capital-one-spark-business-card-offers Attached is a screenshot of my application confirmation email and the approval email on XX/XX/XXXX. That approval email on the XXXX was my first indication that they had something incorrect with the signup bonus. 

I called immediately on the XXXX to discuss what had occured and they told me to wait until I received my credit card so that they could ensure the account creation. I waited and once I received the card I called back on XX/XX/XXXX, they escalated the case and as of XX/XX/XXXX they had decided not to honor the signup bonus. I followed up with Capital One XX/XX/XXXX to try and discuss it and was told they had no one to escalate the case to as it was final. 

I am concerned with the ethical behavior of Capital One and it makes me concerned to do further business with them as this is a very simple and straightforward signup case that they will not stand by. I can only imagine how they may choose to do business in the event of a much larger transaction issue. I believe consumers need to be aware of their business practice of bait and switching signup offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America provides very confusing information about account fee, which mislead common customers like me. One policy about account fee waive is {$250.00} salary deposit a month. I have bi-weekly pay and deposited {$250.00} a month, which is based on the information they provided and I followed that policy. But there was a charge {$12.00} account fee in my account this month. They explained the confusing and misleading policy, there are not any examples to explain in policy and thus customers are most likely to interpret and remember {$250.00} pay deposit in total a month to avoid the fee. I believe that the policy statement is very confusing and misleading to customers, which violates customer rights since it is so misleading and a lot of customers don't interpret like a financial professionals without an example, and thus I ask to get {$12.00} refund and hope they can correct this mistake by giving some examples in their policy statement. Obviously they benefit from the confusing and misleading information and common customers pay the loss.

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