vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my Capital One Bank account around XX/XX/2020. A check in the amount of {$23000.00} was supposed to be mailed to me. 

According to Capital One Bank 1. Capital One Bank mailed the check to a wrong address 2. when the check never got to me Capital One Bank setup a case and told me they had a month to respond 3. after MANY phone calls by me to follow up, I was told by the bank that my case went to the wrong department in Capital One Bank. I spoke with numerous bank representatives along the way, none of whom would provide their last name. I explained the financial hardship this was causing me. 
4. Capital One Bank told me that they could not email the forms they needed, that I had to wait for another case manager 5. I was assigned another case number and on XXXX received an email with the affadavit form and fax instructions on XXXX from " XXXX '' case # now XXXX. 
6. I had the form notarized and faxxed to Capital One Bank on XXXX XXXX. by XXXX XXXX no check had arrived, so I called XXXX at Capital One Bank and left a message asking for a call back phone number XXXX ext XXXX XXXX by XXXX no check had arrived and XXXX had not returned my call. I called his extension and a recording told me that extension was not in service 9. on XXXX I called the bank again and spoke with " XXXX XXXX who took my information and promised to get back to me by XXXX. I explained the financial hardship this was causing me. 

PLEASE let me know what else I can do in this situation. I was a customer of a local bank for over 30 years before they were purchased by Capital One Bank. It's outrageous that a bank can hold my money, send a refund check to a weird address, and then stonewall on providing the forms. I have spend over XXXX hours on the phone, and am still waiting for my funds. 

Thank you kindly for any help or advice you can provide. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: U.S. BANCORP
State: CA

Complaint narrative:
Spoke with XXXX  about my US Bank credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call US Bank credit car company and they re-reported the information and XXXX  never made the change to my report

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I requested this account be closed on XX/XX/2020 while speaking with account manager XXXX in the Arizona Office. When this account was closed, I was told multiple times that this account would not get any fees added to it and that my security deposit of {$200.00} would be used to pay the remaining balance of {$180.00} and that I would receive a check for the remainder of the security deposit that wasn't used. On XX/XX/2020 I received multiple phone calls from Citibank  's automated system to inform me that my account was past due and that it would be sent to collections. I logged into my Citibank account online and saw a balance of {$210.00} for my closed account. The account had been charged a late fee of {$25.00} and a Finance Charge of {$3.00}. I called the customer service line to find out what was going on with this account, being that it should be closed and should not be getting fees added to it, as I was told by XXXX. I spoke with multiple representatives that acted as if they didn't know what was going on and didn't see a problem with the account. After I spoke with an escalation manager named XXXX, she stated she would remove the {$25.00} late fee and the {$3.00} finance charge and notate the account in regards to the account closure and pending payment of the security deposit. When I asked XXXX about why did this account get fees, when I was told it wouldn't get fees, I requested that she pull the phone call from the day the account was closed, so they would hear what was told to me in regards to the account closure. I then requested to speak with someone higher than XXXX because she couldn't explain why someone had lied about the issue and Citibank had done the opposite. I spoke with another representative named XXXX, that basically was concerned more about the automated system 's calls to me and wanted to repeat the balance due on the account and not the issues of their lying to me, multiple times.

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 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX  college of XXXX  in XXXX ( Maryland ) went bankrupt. There 2 loans on my credit with one for XXXX and then other one for XXXX. Date opened was XXXX. Also when I signed up for the school my financial aid was expose to cover my tuition reimbursement. And Never received my degree. Now the school is called XXXX college. 
In XXXX, the company reported nearly {$50.00} XXXX in debt to unsecured creditors. 
This is what I found out of the school On XX/XX/2018, it was announced that XXXX XXXX XXXX XXXX was shutting down all XXXX College locations nationwide, due to loss of accreditation from the US Department of Education also Students may be eligible for reimbursement of money other than federal loans or grants that they paid to XXXX College for tuition and other expenses. The Maryland XXXX XXXX XXXX will have more information about how to apply for these refunds on its website. ''

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 2020-12-10 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: TX

Complaint narrative:
I have tried to dispute this account with TransUnion, XXXX, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: OH

Complaint narrative:
On Thursday, XX/XX/XXXX Revco Solutions XXXX started making phone calls to my cell phone at XXXX XX/XX/XXXX. By XXXX they had called three times. I received a bill from XXXX XXXX XXXX the week of XX/XX/2020. After further review of the bill I called and inquired why they had not submitted the billing through my insurance provider XXXX XXXX XXXX XXXX. The office stated it was their error and that they would in fact submit the billing and to disregard this bill until further notice. When I called back with my mother on the line XXXX from Revco Solutions stated that I owed the bill and how was I going to pay it today. I am a XXXX  XXXX and was taken back by her demand and rude demeanor. To call my cell phone several times and not know that XXXX was in fact handling was unnerving. To demand I pay the bill in full when not knowing the true amount is beyond unacceptable. During a global pandemic it would seem a debt collector would be not be able to harass in this manner. I am blessed with health insurance and can only imagine if faced with a {$200.00} and someone demanding to pay it today or get it placed on my credit report would add unnecessary stress. Revco and XXXX should be dealt with for future not as fortunate individuals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I requested that CashApp pull money back from an individual I had sent money to because they were no longer providing the service as requested. The amount is {$250.00} and was sent to an individual on XXXX/XXXX/20. They told me that they can not do this. They do not allow for making complaints or even wanting to know if an individual using their service is abusing it. I requested this refund on XXXX/XXXX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XX/XX/XXXXI applied for a consolidation loan at XXXX XXXX. 
I notified the XXXX XXXX  officer that I had just checked my credit score on Experian and that it waw XXXX. ( email provided XXXX XXXX XXXX On XX/XX/XX/XX/XXXXI received a rejection / denial letter ( date XX/XX/XX/XX/XXXX ) stating several misleading items from the bank citing what Experian was indicating was the root cause of the rejection. 
*** a ) Credit score on letter XXXX => On same day my credit score via Experian Web account XXXX. 
b ). Length of time accounts have been established = screen print to dispute this with Bank and Experian FROM Experian web site 23.4 years ... Makes no sense. 
c ). Serious Delinquency - I have one account that a XXXX  firm mucked up and is overdue, I am in the process of repairing the damage. All other accounts are current print screen available showing " Excellent Payment History ''. 

The above reasons are in my eyes bogus. I was denied a loan to consolidate those credit cards due to inaccuracies in Experians reporting. 

Further more, I reviewed my entire Experian report, it states 5 Bad Payment accounts. 
I can only find ( 2 ) out of 13 accounts. XXXX XXXX XXXX XXXX  visa card - resolved, & XXXX XXXX that is closed and is being resolved ( see " C '' ). 
Previously I had a LOAN for XXXX  on this report which Experian was marking as over due when it was paid off in XXXX. I believe that these delinquency marks were never removed. 

In closing, I am trying to clean up my credit, I am doing the right thing by trying to consolidate and Experian keeps messing up my report. 

How can I trust what is on the report or ANY Credit Bureau, when what is being shown is inaccurate. To me when I see a credit score of XXXX and they are reporting on the SAME DAY XXXX a 22 Point difference that is pure neglegence and failure to do what they are supposed to be doing.

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 2020-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I hereby file a formal complaint against Chase who is servicing my lease on behalf of XXXX XXXX no the account ending in XXXX. The lease end process resulted in increased charges and threats by Chase due to incorrect lease return information on Chase 's part. 

The vehicle was lease returned in XXXX ahead of its maturity date of XXXX 2020. At that time I leased a new vehicle from another manufacturer, this dealer made the remaining payments on my behalf. 

I received a " Notice of Intent to Sell Leased Vehicle '' on XX/XX/XXXX20 stating that there is a " Gross Early Termination Amount of {$40000.00} '' as a balance due to early lease termination. This is incorrect as I did not terminate the lease early as all contractual payments were made. I confirmed my assertion with Chase via a phone call on XXXX where the agent confirmed that all 36 contractual payments were received as of XX/XX/XXXX. In addition Chase sent me a letter dated XX/XX/XXXX20 stating that " The remaining balance owed on your lease is {$0.00} ''. 

On XX/XX/XXXX20 I received a letter from Chase stating that " The remaining balance owed on your lease is {$860.00} and it is due now ... You can refer to your lease agreement on how your Early Termination Liability was calculated ''. Again, this was not an early lease termination, but rather an early vehicle return where all 36 months payments were made. 

In order to avoid negative credit reporting and collection efforts I paid the {$860.00} over the phone on XX/XX/XXXX as the agent did not seem to have any information regarding the prior communication received from Chase and said they would have to investigate the issue. In addition the agent read the Mini Miranda stating that this was an attempt to collect a debt. 

I hereby formally dispute the lease end amount as the vehicle was not an early lease termination as Chase provided information that all contractual payments under the lease were made. I believe Chase 's lease end process does not have appropriate controls in place with XXXX to ensure appropriate vehicle grounding information to support lease end of lease processes and avoid threatening letters to its customers. At best this is unfair treatment and from a customer perspective I felt deceived by Chase and am now paying additional money at lease end as Chase calculated a " Early Termination Liability of {$2500.00} '' resulting in a " Total Amount due of {$860.00} '' whereas the lease end vehicle condition report states a " Total Amount due of {$530.00} ''. As such I believe Chase overcharged me at lease end by {$330.00} due to its lacking internal controls at lease end. 

I am issuing this complaint with the ask for Chase to refund of the overcharged amount. 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XXXX XXXX 2020, I received an email offer to apply for an XXXX XXXX XXXX Credit Card backed by XXXX XXXX. 

I submitted the application with the understanding that sole liability would be for the business. 

I was surprised to see an inquiry on my personal credit for the card. 

I read the disclosures shown on the screen carefully and at no point is it clearly stated that personal credit would be run. I have been informed since that it is hidden deep within terms and conditions that personal credit would be run. 

Had I been made clearly aware that personal credit check would have been processed, I would not have completed the application. I would like the inquiry removed. 

In addition, somebody needs to work with XXXX XXXX to insure that they are not practicing unclear tactics to process credit applications, IE the disclosure that personal credit is going to be run should be clearly stated when filling in your information, not just deep within terms and conditions.

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 2020-12-10 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: OneMain Finance Corporation
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX  XXXX  add a hard inquiry on my credit report per XXXX.

On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: Open Dealer Exchange, LLC
State: OR

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

OnXX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, 700 CREDITXXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TX

Complaint narrative:
I have tried to dispute this account with XXXX, XXXX, and Equifax. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TX

Complaint narrative:
I have tried to dispute this account with XXXX, Experian, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Spoke with Equifax about my XXXX XXXX credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call XXXX XXXX  credit car company and they re-reported the information and Equifax never made the change to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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