vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX ofXX/XX/XXXX I opened a XXXX card with them, the limit was not what I was expected and I was recommened to wait 6 months, apply for another credit card and that I would be able to combine their limits. I had previously used this service successfully. 

On XX/XX/XXXX after six months I again applied for the same card and was approved at the same XXXX dollar limit. I went ahead and went to their website to proceed with the combination of the two cards. I was then given an error saying this service is temporarily suspended. 

I called customer service to see when the service would be available again on XX/XX/XXXX. I spoke with a customer service representative and was told this service is unavailable and they have not date for when it will return. I then esclated to a supervisor and they informed me that this service is now suspended and has no date for return. The ability to request it is still on the website and my terms of service of both cards still mention the ability to do so. 

Capital One was unwilling to allow me to do this. After dealing with a Senior Account Manager I was told that there is no further place to escalate this issue and they were  unable to provide me contact with anyone beyond the Sr Manager. 

There was no communication on this feature change, it is still advertised on their website and XXXX. My expectation is that if they are removing a critical feature that I have used multiple times as customer has been removed, that it would be communicated and at least removed from the XXXX  or site. 

Had I had this information I would not have applied for this credit card. Now I am stuck with a hard inquiry on my credit report, a credit card that I really don't need since the whole objective was to raise the limit by combining them. They were also unable to provide me details on what further steps I could take to get the the credit lines merged. 

They gave me a XXXX dollar credit line increase on my original card, and a XXXX dollar limit on the new one. I do not understand why they would extend such a large line of credit on a new card as opposed to just increasing my current product with them. 

This has negatively effected my total age of accounts, hard inquiries on my credit report and given me another credit card to carry around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, The problem I have is with Chase Bank - Chase.com. 

I have a checking and a credit card with Chase bank On XX/XX/2019 I submitted a one time payment online, using chase bank application, of XXXX $ - the payment was towards chase credit card Chase by mistake or by their application issue charged my checking account 2 times of XXXX . Therefore i can see that XXXX $ was taken away from my chase checking account. 

But checking credit card processed and received only 1 payment of XXXX . So I lost XXXX $ ( 2 times of XXXX $ ) from my checking account and credit processed only one XXXX . Therefore Chase bank stole second XXXX $ from my checking account I'm calling chase bank daily regarding this issue, spend 5+ hrs on a call with chase bank, went to a chase branch, talked to at least 5 managers, sent at least 7 emails to chase bank Everyone I spoke to from the chase bank can see and they agree that XXXX $ disappeared from my checking account, they agree that bank somehow charged XXXX $ by mistake and those money has to be back, BUT none from chase bank helped to return XXXX $ back to checking. They keep directing me to debit card department, debit calling credit, credit finger pointing back to debit, managers pointing back to debit, credit, claim department, claim department telling its not a fraud and they can not help. I spent a week trying to return stolen by chase bank money and Chase bank did NOTHING to help so far other than finger pointing to its different departments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I got a loan from Advance Financial. They say that it is an " installment '' loan, but their business is more set up like a Payday/shark loan type establishment. They accrue interest daily on accounts and the APR is almost 300 %! Their current statement shows that I owe them {$4400.00} for an original loan amount of {$2600.00}. This is after they took out a payment of {$560.00} last week from my bank account, WHICH I DID NOT SET UP AS A PAYMENT IN THE FIRST PLACE. But neither my bank nor the company will refund the funds that were taken. I don't see how they are operating legally with this type of exorbitant interest charged to " customers ''. Their guise is that they are a " family lender '', but are really financially raping and taking advantage of the most vulnerable and economically disadvantaged people. 

I talked to a bankruptcy lawyer, but he thinks it would be better for me to settle with any accounts that I can on my own. They emailed me a " settlement '' for {$4300.00}! I found that insanely amusing to offer a " settlement '' where they are profiting almost DOUBLE!!!! ( In addition to the almost {$600.00} they just took from me. ) I think this company needs to have a class action lawsuit brought against them, and repay some of the money they swindled from the " families that they helped ''. 

Their info : Advance Financial XXXX XXXX XXXX XXXX, TN XXXX ph : XXXX-XXXX-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested my free annual credit report from the there agencies on the same date XX/XX/2019. Only XXXX and XXXX provided me copies of my report but not Equifax. This issue also happened last year with Equifax. Equifax does not respond to customer queries or provide a free copy of the annual credit report until a complaint is filed with the consumer protection agency. So I'm now filing this report requesting your help once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i transmitted {$370.00} by international wire transfer to a recipient in XXXX using my Bank of America account on XX/XX/XXXX. 

Bank of America is insisting that i provide passport and other information of the recipient. Upon receiving this request, i informed Bank of America to cancel the wire request and return the funds to me. 

Bank of America continues to insist that i provide the above, which i cant do since i can not force the recipient to provide. 

I have asked Bank of America and they have informed me that they will charge me {$35.00} for the transfer and hold my funds indefinitely. 

I have asked Bank of America to explain why they are doing this to me, but with 5 people from BoA on the email thread, nobody has offered any explaination why they are acting this way. There is no reason to dispute the source of funds, since it was from my employer through regular payroll. 

i feel intimidated and threatened by Bank of America. as a small consumer, i have no recourse against BoA and need help from CFPB to resolve 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 2019-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
In XX/XX/2019 I received an e-mail from Walmart with a link to apply for a XXXX XXXX job. XXXX XXXX XXXX XXXX and looking to make some extra money to contribute in the household with the expenses, my husband 's paycheck beeing our only source of income, I followed the link and applied naively. Days later I received a text message to tell me that I have been selected. I received an envelope via mail USPS, with a check of {$2500.00} and a letter with instructions. So I went to the bank, deposited the check on my account and 2 days later when the check became available I went as instructed to the bank, withdrew the money and headed to Walmart to make my survey. As part of the job I had to buy 4 Money Orders for {$500.00} each at the store 's Moneygram so did I and sent them blank with all the receipts to the address provided. The next day my account was overdrawn. Realizing that I was victim of a fraud I went to XXXX website first to track the package. It has been delivered early in the morning. Next I went to Moneygram 's website to report the fraud and asked them not to give the money to anyone. Then I went to the Walmart store where an associate informed me that there is a Walmart scam running an confirmed me of the fraud. I went to the Moneygram 's booth where I talked to the same associate who served me when I bought the Money Orders. She gave me a phone number that I called they told me that they had put a stop on the Money Orders, the money was still in their possession I had to allow them 3-7 days to process the case and send me a refund. I had to pay {$45.00} per Money Order. 2 days later I kept checking my case online and calling the phone number provided by the cashier they kept telling me that they still had the money and that I should receive the refund soon. The 3rd days I received an e-mail from Moneygram asking me for more informations. The pictures of the Money Orders and receipts and my personal informations. Later I received another e-mail telling me that my case is closes because someone took the money and that there is no refund possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: Amsher Collection Services, Inc.
State: AE

Complaint narrative:
On XXXX XX/XX/XXXX, Amsher Collection Services reported a {$50.00} delinquent debt to the following credit reporting agencies : XXXX   XXXX Creditor Name AMSHERCOLLECTIONSERVICES Account No. 
XXXX Original Creditor XXXX XXXX XXXX XXXX   Responsibility Individual Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XXXX XX/XX/XXXX Remarks Placed for collection Medical|Subject has not satisfied debt. 

-- -- Remarks -- -- I am military stationed in XXXX, and have not been living in the US since XXXX. All of my medical expenses are billed to XXXX XXXX, as I am XXXX XXXX military. There is no situation where I would owe a debt of any kind to XXXX XXXX XXXX. 

Furthermore, no one has ever informed me of this debt in by any method, until it appeared on my credit report last week. I have tried to call both XXXX XXXX XXXX and Amsher Collection Services,  as well as left messages on their website, but have not received a response. 

I am moving back to the USA in XX/XX/XXXX, and will need to have my credit at an acceptable level so that I may begin potential home shopping. I have worked diligently for years to repair my credit, and this is going to cost me a significant amount in interest on home loans, etc. if this is not resolved quickly. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
XXXX, XXXX XXXX, BARCLAYS, XXXX, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal

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 2019-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I had a lease with Gm Financial and I was 5 payments late which actually ended the lease they charged the vehicle off stating that I owed XXXX that is the total value of the car and exceeded the XXXX dollars that I may owe and that should be realized when thay send me my final bill. How could they charge the vehicle off and have possesion of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CITIBANK, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal

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 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
This firm XXXX XXXX XXXX, XXXX / BLITT AND GAINES, P.C filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
I have made my mortgage payments on time. For the past 3 months, the payment was rejected and returned to my bank without notice from the mortgage company. I re-submitted payment several times until it was accepted. I have had my XXXX mortgage payment returned to me without notice from the mortgage company. It is now XXXX and my credit will be impacted negatively due to the span of time that has passed since a payment was accepted. There has been ZERO contact from the new mortgage company that is servicing my mortgage since XXXX is in Chapter XXXX. How am I expected to continue to maintain good credit practices without support from the company servicing my mortgage now? I will not submit late payments when I paid on time. I am very hesitant to continue this issue with no contact from the new company. When I attempted to register for servicing my account with Myloancare.com, my credentials were denied. Their site would not accept my social security number for their registration process. With the technology available today, there is no reasonable excuse as to the complete lack of support from this new mortgage company. I have absolutely no way to make a mortgage payment, or maintain the good credit rating that I have acquired throughout the life of my mortgage.

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 2019-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Consumers Inc
State: MD

Complaint narrative:
I have disputed several medical debts with this company ( United Consumers Inc ) and the credit reporting agencies for reporting  accounts that do not belong to me and are greatly impacting my credit report. When disputed with the credit reporting agencies this company continues to verify this debt through the stroke of a keyboard using the Credit Reporting Agency XXXX - ( XXXX XXXX XXXX XXXX  XXXX  ) without any substantial verification. When I dispute with the company, they send me a printout of hospital visits ( in my name ) but visits and treatments that I never took - how does this happen?!. This I'm sure is a direct HIPAA violation. I hope CFPB can help me get to the bottom of this. Otherwise, the only thing I know left to do is hire legal counsel and pursue litigation not only against United Consumers Inc but the credit reporting agencies as well for unsubstantiated reporting and sharing medical information of another individual.

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 2019-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion continues to report fradugelent information on my credit report after I have provided with proof of a police report & identity theft report that these accounts do not belong to me. I have no knowledge of these account or give anyone permission to open these accounts in my name. The following accounts XXXX XXXX/XXXX, XXXX XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX/XXXX XXXX do not belong to me. They are also reporting names that I told them are incorrect. My name is XXXX XXXX that is how my name should be on my credit repport. I have never lived at XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, SC or XXXX XXXX XXXX XXXX. These inquires that are being report I never gave anyone permission to access my credit or review it for the following companies XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX

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 2019-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
This firm CAVALRY SPV I , LLC / XXXX AND XXXX, XXXX filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08 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: FL

Complaint narrative:
I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I  have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. 
The company the are fraudulent are XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

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