vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank was the title holder on my car, which was included in my bankruptcy in XX/XX/XXXX. The bankruptcy was successfully discharged in XX/XX/XXXX. I received notification from my attorney in XX/XX/XXXX that there would be a final hearing on XX/XX/XXXX to complete the bankruptcy. I was called by the attorney 's assistant and told that it was complete. They would send me paperwork and fax a copy to US Bank to release the title. 
I called US Bank starting in XX/XX/XXXX asking about the title. I was told they did not get any paperwork from the attorney 's office. I waited 30 days then called again. I was told it was in " processing ''. that it would be 7-10 business days before I received it. 
Same story every month. XX/XX/XXXX I called again. Different person. Said she would send the request to the processing people. I called back XX/XX/XXXX. The processing people said they did not receive that request ; call back in a week. I did. I was told at that time that the title lien was released to the county where I lived before I moved to XXXX XXXX TX. on XX/XX/XXXX. I called XXXX XXXX County and they said they had received it and I could apply for it over the phone with them that day. I finally got the title 10 days later. I am appalled that the US Bank personnel could not look in their records after one of my phone calls and tell me that the title had been released. And why to the County? Why not to me?

Their business practices leave a lot to be desired, and their phone message that the call may be recorded for training purposes is a hoot! Who are they training? Certainly not the people who call themselves customer service representatives!

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 2018-06-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
Back in XX/XX/XXXX I did not receive a pay check on XX/XX/XXXX due to contractual agreement between XXXX XXXX XXXX and XXXX XXXX XXXX. Ive been employed with XXXX XXXX XXXX as a XXXX XXXX XXXX for the last eight years and never experienced this process before. This caused me to fall behind in my finances. I asked Caliber Home Loans to remove the two 30- days late mark from my Credit Report with all three agencies and they said no. 

In XX/XX/XXXX I became ill with a XXXX XXXX in my XXXX and XXXX that caused me to be out of work for over thirty days which two and half weeks I was laid up in bed. As a XXXX we only get a certain amount of Sick Days and with me being out for more than thirty days I did not have enough sick days to cover my absence causing me not to get paid for 11 days. I asked Caliber Home loans to remove the 30- days late mark from my Credit Report with all three agencies and they said no. 

As a retired XXXX Veteran and a XXXX XXXX I understand the importance of having outstanding credit and I have been practice just that. I have never been late or my mortgage or any other bills in over nine and half years. I have provided documentation for your review to consider waiving my late marks on my credit report. Lastly, I am in the process in putting my last child through college who was accepted to XXXX XXXX and the banks are giving me a hard time because of my credit score being effected by the three late marks. 



Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Investigation took more than 30 days
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. Select Portfolio is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I need the information to be linked to XXXX for financial services and it won't let me link up to the software.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: TX

Complaint narrative:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I joined the XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. Total monthly fee was {$130.00} which I paid every month automatically. It was a month to month agreement, with an understanding that I could cancel at any time. Nothing was explained to me about canceling in writing. 
In XX/XX/XXXX I called the Club to cancel my month to month membership. The representative I spoke with said sure, and claimed membership would be stopped. 

About a month and a half ago, I noticed that the Club was still billing me. I called the club and they said again that they could cancel the membership. They did not, and refused to give me a refund. 
I called Chase to complain about this. They opened a claim, for the months from XX/XX/XXXX to XX/XX/XXXX and placed a temporary credit on my account. 
About 3 weeks later, Chase reversed the credit and denied the claim, stating the charges were valid and also that there is a 60 day lookback that they need to follow. 
Firstly, if there is a lookback period, why was I not informed of this and also why were all the months I was disputing credited back? 
Secondly, I did not authorize those charges. If the merchant isnt going to honor my request, and basically lie and steal from me, Id like to think that after 20+ years of banking tens of thousands of dollars with Chase with the same account open for those years, theyd at least honor my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX. It was discharged in XX/XX/XXXX. XXXX XXXX is reporting delinquency in XX/XX/XXXX of more than 180 days. I have notified the mortgage company and all three credit reporting agencies and none will correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called  XXXX XXXX XXXX XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent Portfolio Recovery a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having Portfolio Recovery remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I have a XXXX balance on my PayPal account and no unresolved issues or business with them. I have tried three times today ( online, and phone ) to cancel my account. Customer service was unwilling/incapable of closing the accounts. 
I want to minimize my online exposure to security threats and PayPal is being uncooperative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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: OH

Complaint narrative:
Experian continues to send certified Dispute notices to XXXX instead of actually verifying and validating the account like they are asked to do. XXXX does not have an account for me therefore this is inaccurate reporting under FCRA guidelines. This account is closed and was sent to the Ohio Attorney General for further investigation due to incorrect balance. Please remove

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 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have a complaint against Transworld Systems and XXXX. I am in receipt of a statement dated XX/XX/XXXX ( attached ) which indicates an account balance of {$5300.00}. I called the number for XXXX collections on the statement to make payment arrangements. There was no option in the automated call system to speak to a representative at XXXX. The system told me to call a different number which I did. At that point I was connected to Transworld systems. The representative told me they have had the account since XX/XX/XXXX. Further I was told the balance I owed was over {$6300.00} due to a 'collection fee '. 

-I received NO notification of transfer of my account from AAFES to a third party or of any punitive fees being assessed since XX/XX/XXXX -Payments have been made to AAFES through out XX/XX/XXXX -There is no disclosure or itemization of any fee on the statement ( see attached ) -This is a PREDATORY debt collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC FOR THE AMOUNT OF {$970.00} that was reported on XX/XX/2015  and is continuing to be reported. I have contacted the credit bureaus to validate the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed as a result of it not being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a Chase account holder of a Chase Freedom Unlimited credit card. In my online portal ( to which I have to login ) - I received a targeted offer for a Chase Freedom credit card. The offer stated in large letters " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' I provided the requisite information and submitted the application. Chase pulled my credit card. Chase subsequently not only did not provide a quick decision on the application, but kept it pending until I called in on XX/XX/2018 as I heard no additional feedback other than the application was pending. When I called in, I was told that I had to prove it was me who applied by providing a copy of my original social security card. I offered to provide a copy of my ssn through my XXXX or tax forms as those were readily available. That was denied as only a copy of an original ssn card would suffice for Chase Bank. I applied through my logged in Chase portal - my identity should have been immediately verified once I logged in successfully and prepared an application/ This is a huge inconvenience for me as I wouldn't have applied had I know Chase was not intending to honor their statement : " Because you are a Chase customer, just provide the information below and get a decision in seconds! '' Now I have to go to a social security office to get a copy of my social security card because its not readily on hand and alternate verification for Chase are not sufficient. I believe this is unfair/deceptive trade practice by Chase Bank. I believe their targeted ad was intentionally misleading to me as a current Chase Bank customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there were a couple of collection debts reported by a Company called XXXX XXXX XXXX, XXXX the amount of both accounts is {$0.00}. However, the company is reporting that the account was paid in full for less than the full balance. I sent XXXX XXXX a validation of debt certified letter on XX/XX/18. While I did receive response letters within the required 30 days, I didnt receive evidence bearing my signature, showing that I ever had a contractual obligation to them or the original creditors. At this time, I am seeking assistance in having XXXX XXXX remove both debts from all three credit bureaus since they were not able to provide acceptable proof of validation of this debt bearing my signature, and not just a printout of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is in regards to case # XXXX, XX/XX/2018 I sent complaint to Bank Of America through CFPB, received phone call from Bank Of America Regulartory Complaints team, On XX/XX/XXXX, received another phone call from Bank Of America Regulatory explained to me everything regarding my claims I had opened with Bank Of America, I also received via email a copy of everything we spoke about. From the conversation and letters I received I was thinking everything is solved as stated, however XX/XX/XXXX, I received a letter stating my claims was now resolved as of XX/XX/XXXX, however I called claims to tell them my claims was resolved back in XXXX. I was ask where did I received this letter from and to fax it over to the claims department, which I did on XXXX XXXX, XX/XX/XXXX, received another letter saying that my claim was resolved and the temporary credits for claim # XXXX and claim # XXXX on XX/XX/XXXX, I called again spoke with a lady name XXXX she said she was a supervisor I explained to her the claims was closed in XXXX by Bank Of America Regulatory department she stated that no the claims was never closed and we will be revering the temporary credit in the amount stated for the claims on XX/XX/XXXX, and I cant reopen and don't resend the letters because it won't matter, I told her I will resend the letters stating my temporary credits was permanent. which I did fax over was told they wont be considered the claims is closed as of XX/XX/XXXX, XXXX.I thought the claims been resolved in XXXX when I received the phone call and the letters.I am fighting XXXX and I don't have time to worry about this case because it was closed to my knowledge.

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 monetary relief
Consumer complaint received 2018-06-14 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: RFNA, LP
State: GA

Complaint narrative:
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX I have only had one account with XXXX XXXX and that account was paid in XXXX of XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into XXXX of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I have disputed this account entry on numerous occasions from the credit bureaus to the company itself. This company began reporting negative information on my credit report in XXXX of XXXX. In my dispute to this company I requested : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness Copies of all documents sent to me regarding my account ; Copies of any papers that show I agreed to pay what you say I owe bearing my original signature ; Cavalry responded with a denial that there were any inaccuracies in their reporting. Actually, there are, I never signed an agreement with Cavalry, nor have I had an account with them for them to report there are terms of 1 month and that I have a past due balance. Further, as of XX/XX/XXXX, the correspondence I received from XXXX and XXXX reflects a different account number for the same account that Cavalry is attempting to collect. Per consumer law, 2 collection companies may not collect on the same debt. How so then is Cavalry still reporting these entries on my report? This is a blatant violation of my consumer rights. Too, why is XXXX XXXX XXXX offering a settlement on an account that is not verifiable? 

For the second account, Cavalry merely sent a Statement of Account that was created on their letterhead. This arbitrary number lacks veracity. Where is the supporting documentation? The one document that was sent reflects a totally different number. Additionally, if XX/XX/XXXX states that a payment was due on XX/XX/XXXX, then how can Cavalry say the charge off date was XX/XX/XXXX? This is an explicit contradiction. It appears that Cavalry has tampered with information and the reporting of accurate information. There is no way that an account can be due with an original creditor 2 days after a 3rd party collection company is reflecting it as a charge-off. THIS IS ILLEGAL!!! Cavalry nor XXXX XXXX XXXX provided the account ledger, nor any other documents to justify the activity, payment history and validate the number they are alleging is owed is accurate. Lastly, Cavalry failed to provide any supporting documentation for the second entry they are reporting on my credit reports in the amount of {$2000.00}? Yet again, they are reporting information that is unverifiable.

This unverifiable entry on my credit reports should be DELETED IMMEDIATELY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
While making a purchase, the sales person asked if I had a loyalty account. I do ( which means I have made purchases prior, not a credit card holder ). After she asked my phone #, she asked my email address, that's all. After my purchase she explained that I get 15 % off. I knew that but I was not aware that she was referring to a credit card. A Loyalty Program is just that ; a frequent buyer. She stapled my receipt to a brochure which explained Loyalty, Premier, and Elite. It seems she opened a credit card for me and I do not want it, nor did I ask for it. How do I get this closed without disrupting my credit?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota financial services is calling me every single hour during collection hours XXXX I am getting upwards of 7 calls per day during business hours from this company to collect on my car payment. I answer, and say I will call back once I am off, and they still continue to call daily. I consider this harassment, and it is making it hard to handle day to day activities with calls all day from them.

Company response to consumer: Closed with explanation