vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
My used car loan began on XX/XX/XXXX. At the time of the origination the loan was for {$21000.00}. I had purchased a XXXX XXXX XXXX XXXX with XXXX miles on it. A few weeks ago I asked for a payoff amount for my car, since it was having major repair issues and was advised I need to pay {$20000.00} to pay off the car, almost four years has passed mind you. According to Consumer Portfolios Services payment history, I have paid them {$13000.00} dollars and of that amount {$2300.00} has been applied to the purchase price, the balance of XXXX was for interest and fees. When I called to speak to a customer service representative she got very snippy with me, stating this was a simple interest loan and because I was behind they were charging me {$9.00} per day. I said that I never got a copy of my loan agreement and I would like it sent out immediately and she said she would make the request. That was over a month ago and I still do not have anything from them. At the time I was past due, but Consumer Portfolio reported that I was current to the credit bureaus and yet they are still charging. I am at my wits end with this loan and a car that will not last much longer. Is this legal to just keep adding charges and fees to a loan so basically you wont have a car, but will just be paying money on top of money for nothing. This is the craziest thing I have ever seen or heard of and I am afraid I will be without a car and without a way to get a new one to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Good day. I have a XXXX Mastercard which is sponsored by Capital One. Capital One, without my knowledge or consent, enrolled me their online only statement program. I never received a statement from them and was consequently late on a payment which they reported to the various credit agencies. When I did receive notice via email that I was late I contacted Capital One and they admitted it was a mistake that I was enrolled in their online only program. They reversed the late fees however they would not or could not remove the late payment reporting to the various credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have attempted to rectify this in correct address on my credit report for transunion, XXXX, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! XXXX IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   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
Consumer complaint received 2019-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally XXXX  XXXX  and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, 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 2019-03-18 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: CO

Complaint narrative:
i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: FL

Complaint narrative:
Multiple calls have been made and I have followed all of MasterCard gift cards instructions to fax in a picture of the card back and front with all of my contact information and when to reach me. Yet they have failed multiple times to reach back to fix my problem. My funds have not been accessible for 4 months.

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 2019-03-18 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: MD

Complaint narrative:
I have submitted documentation multiple times to TransUnion, from the Bankruptcy Court stating they dont provide information to the credit reporting agencies making with supporting documentation of credit reporting freeze from 3rd party vendors whom publish my information inaccurate. However TransUnion attaches my documentation to close dispute but will not furnish where information is being reported as accurate. When calling customer service they tell me yes we have the documentation but we are leaving the information on the report due to time and year reported. I spoken with supervisors and the try to convents me the the U.S. Bankruptcy Court is reporting as accurate. When I have verification that the Court dont report information to the credit reporting agencies. I been fighting this matter time after time and TransUnion have not produce valid information to why its on my credit report. The Bankruptcy is removed from my XXXX  report as of XX/XX/2019 using the  same documentation attached below ( I attach XXXX credit report proving bankruptcy has been removed )

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 2019-03-18 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2018 I reported my card missing and the attached charges were made fraudulently. Usaa platinum susequently reversed the charges and all interest charged. A few months later they put the charges back along with interest.They explained whoever had card did it with PIN number. This was not me or anybody I know. I have asked them numerous time to reconsider and this matter has fallen on deft ears,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: GA

Complaint narrative:
In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to inform you of an absurd bank policy that I had the unfortunate situation of being caught in the middle of. On XX/XX/2019, I was wired {$28000.00} USD from a family member assisting my family and I with medical expenses. Unfortunately, when sending the wire, my uncle left off the last digit of my account number -- all other information was correct such as spelling of my full name. My bank, Capital One Bank, deposited the money in the incorrect account ( identical to my account minus the last digit ). They have explained that they are under no obligation to check information on the wire and that they are not able to assist me in freezing/retrieving the money from this incorrect account.

Capital One has closed its " investigation '' into the matter and is no longer willing to speak with me on the subject. They have indicated that they have not received a recall attempt from the sending bank, which I have multiple confirmation documents that recall attempts were sent via XXXX messaging ( basically the same way the original wire was sent -- successfully ). I have attempted to escalate this matter multiple times throughout XXXX, XXXX, and XXXX with no success. I've asked for help from Capital One Bank in explaining the proper procedure the sending bank should follow to ensure that the recall message is received, but they explained they did not know. 

I am speechless that a bank would allow this to happen and have no recourse to rectify this mistake. I look forward to hearing your thoughts on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I XXXX XXXX and my mother XXXX XXXX have been receiving several phone calls from XXXX stating that he has a {$29000.00} debt from a construction company with XXXX i called XXXX and they didnt give us much information but to call the following number XXXX and the XXXX website i spoke to them then was transfer to XXXX XXXX to they told me it would most likely to be a scam and to have it reported to FTC AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: FL

Complaint narrative:
Checked my credit report and there is an inquiry from XXXX. I have not applied for any credit so this must be an error. Can not find the company online and the XXXX says I have to contact the company. I can't call anyone I don't have information about or can get information about.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have attempted to rectify this in correct address on my credit report for XXXX, equifax, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! E-OSCAR IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have attempted to rectify this in correct address on my credit report for XXXX, XXXX, and experian. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! E-OSCAR IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I opened an advanced checking account on XX/XX/2018, and deposited {$10000.00} on XX/XX/2018 in order to meet the new account sign on bonus, it has been half a year since I deposited the money but I havent received any bonus which is {$350.00}, I contacted customer services a couple times, every time they said I am eligible for the bonus but they never send the honus to me, this bank is not reliable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I applied for the Chase Freedom Account online and I was approved. I received the card in the mail with instructions on how to verify the card. When I logged on to verify and activate the card, I was unable to do so. Instead I was told to call. I called several time each time connected overseas and no one knew why I could not activate my new card and told me to call back. I kept calling back. I still have no idea what is happening or why I can not activate the new card. One of the reps said something about the account being closed, but could not say why.

I am elderly and can't understand what these people are saying on the phone. They talk way to fast for me and they are not taking the time to listen or explain to me what is happening that I can't activate my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Certegy Holdings, LLC
State: CO

Complaint narrative:
Tried to write a check for groceries at XXXX XXXX for {$68.00}. The transaction was denied by Certergy Check Services ; a check verification service, without cause. On multiple attempts to find out why, the agents of Certegry, via phone provide no useful help or information. The date of the incident was XX/XX/2019. The location was XXXX XXXX XXXX, XXXX Colorado. I have shopped at this store for 10 tears and other branch stores for 40 years and have never had a problem. I have no history for financial problems and the account is valid and at least 20 years of active use with a positive balance and overwrite protection that has never been used.

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been communicating with Capital One since XXXX about changing my name on my account. I was told to send over documents to prove I legally changed my name, I did send over the information and the name was changed on the account with new cards coming in the mail shortly after. I registered the card via the online system to make my payments, but then I was kicked out of the online system. For the last three years I have been calling and been transferred from department to department, everyone uses the wrong pronouns. I was in the hospital multiple times since XXXX and while I would like to keep my account payment up to date it has been hard to do when I have to call all the time just to pay. On XX/XX/XXXX I spoke to XXXX who was supposed to help me change the information once and for all so that I can get on with my life. We were speaking to someone at XXXX XXXX named XXXX, while she was assistance us, XXXX from capital one hung up due to capital one closing and did not call me back. 

Now my account is very very out of date and the supervisors will not talk to me until I bring the account up to date, but the account has been maintained and its not my fault that no one will help me with my account information. I feel like they are not trying because of my gender identity. I was mailed new cards, I have been using the cards for years, I pay the bills under the name XXXX. What is the issue with helping me update my account. I want my account updated so that I can log on and pay and manage my bills. I think this going on for three years is unacceptable and capital one needs to help me. I can pay the bill, but why should I when you continue to discriminate against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: LEXISNEXIS
State: NY

Complaint narrative:
LEXISNEXIS XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX  XXXX XXXX XXXX XXXX, TEXAS XXXX AXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX LexisNexis has admittedly violated the FCRA by not conducting a complete and reasonable investigation. After disputing an erroneous bankruptcy tradeline on XX/XX/2018, the company sent me a letter that stated the bankruptcy was accurately reporting on my file. I have specifically asked the procedure used to determine the accuracy of this information in my file. I was eventually informed by a representative of LEXISNEXIS that PACER is often used by the Bureau to validate credit errors. United States Case Law has stated many times that PACER and XXXX and other third party verification is not sufficient. Credit Report Bureaus including LEXISNEXIS could not merely parrot information from creditors and third party information distributors. Credit Bureaus must go to the ORIGINAL furnisher of the record. 

This erroneous bankruptcy should be immediately removed from my credit report. I have a letter that proves LEXISNEXIS never went to the bankruptcy court to obtain accurate information. In fact, none of the bureaus ever go directly to the court and obtain the information needed. Otherwise the companies would have responded via mail the requested signed documents needed to Verify this erroneous tradeline.

Company response to consumer: Closed with explanation