vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir / Madam, I had taken Auto finance from Capital one auto Finance for my XXXX XXXX XXXX car in XXXX, XXXX for 4 year lease Account # XXXX I have paid early and my last payment of {$1800.00} paid through XXXX XXXX XXXX Check not through my personal check on XX/XX/XXXX. 
I called Capital one auto Finance department and asked them when can I have my lean released from your side. The reply from them was it will take 15 business days and after 7 more days they will post me release of lean after that I can take it to XXXX. I asked the lady why is this like you have to wait to have clear a XXXX XXXX XXXX XXXX so long? she said this is policy of Capital one auto Finance, I asked her can you please E-mail me the policy she refused, than I asked her that I want to talk to manger, When I asked manger she replied the same, I asked her I am on you website please let me know where I can find you policy, she said we do not have. 
I thought I am living in XXXX period of XXXX ; ; ; ; ; I told her that I am going to make a complain about it, she said we are not bother about it this is our policy. I told her that we are in XXXX so please do not push XXXX to XXXX XXXX XXXX. 
They should have develop a system online with XXXX to clear lean, I think they have link with XXXX for loan and insurance with all XXXX in all states that benefits them but not for people benefits. 
When some one has paid full amount why he or she have to wait so long?? 
I will highly appreciate it if you please look in to this. 
Thanks and Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I opened an Delta AMEX card to book a flight. When the instant account number page was opened, the screen timed out and I was unable to receive this number to pay my flight ( THE WHOLE PURPOSE OF THE CARD ). 

I talked to 3 representatives. The first one told me to wait a few hours ( I did and chatted back ). 

The second, XXXX, told me to wait 24 hours to get my card number. HE ALSO gave me someone else 's account information, i will paste the chat here. What a freaking security hazzard. 

You - XX/XX/XXXX XXXX XXXX Please chat with us in next 24 hours. We will let you know if instant account number is available on gold delta card or not XXXX - XX/XX/XXXX XXXX XXXX We are all set no XXXX - XX/XX/XXXX XXXX XXXX  now XXXX - XX/XX/XXXX XXXX XXXX Your user id XXXX password is XXXX XXXX - XX/XX/XXXX XXXX XXXX What is this for? 
You - XX/XX/XXXX XXXXXXXX XXXX Please disregard may last statement XXXX - XX/XX/XXXX XXXX XXXX Yikes.. what a security You - XX/XX/XXXX XXXX XXXX   XXXX, please ignore it. It is not for you. 
XXXX - XX/XX/XXXX XXXX XXXX It's actually concerning that they would share someone's login credentials with me. 

I chat today with XXXX and he told me he can not give me the my account information. Not only am I am unable to book my flight with the card I opened, I am constantly given false information by back to back representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was denied credit from XXXX ( XXXX XXXX ) on XX/XX/2018. They used Equifax 's credit report. I then logged into Equifax website to obtain my credit report for being denied credit. 

1. ) I entered the info requested by equifax at : https : //aa.econsumer.equifax.com/aad/landing.ehtml 2.  ) Received a prompt that I will receive an email with further instructions, which I did with the following link provided by equifax : Use the link below to login now because the " status of my requested report failed. '' http : //myservices.equifax.com/AAD_dashboard Your product is ready to use right now. 

Your order transaction number is XXXX and username is XXXX. You will use this username and the password that you created at registration to login and view your products. Be sure to keep this information in a safe place for future visits to the XXXX XXXX. 

After you log in you can : - View your current product ( s ) and features - Edit your profile, including Username, Password and e-mail address - Access educational information and utilize easy to use financial tools Thank you for your order. We look forward to serving you in the future. 

Your Equifax Customer Care Team Copyright Equifax 2018 | Privacy Policy | Terms of Use | FCRA 3. ) Once I log into their website following the above link, the only options are to PURCHASE they reporting products. Nowhere can I find a resource to get my credit report from the " failure '' or even an option to speak to someone. The 800 number provided is 100 % automated and speaking to a person is not an option. 

My issue is : I am entitled to my credit report WITHOUT unnecessary burdens in place. Please investigate this matter further. It should not be this difficult to obtain information. Also, they circles Equifax puts you in gives you no choice but to purchase their products. This is unethical and taking advantage of people. Thank you for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Last XX/XX/XXXX I went to XXXX to get a phone at the location Mall of Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. The store manager XXXX XXXX had the sales representative XXXX XXXX help me out selecting the best option. The agreement indicated I had up to 14 days to return the device without being penalize. On day 14 I went to the office to return the device ( XX/XX/XXXX ). On this day XX/XX/XXXX I spoke with the store manager XXXX XXXX. He indicated there was nothing rendered for me to do and that everything was taken care. However, when I asked for a proof or receipt for the returned device XXXX XXXX XXXX indicated I did not needed anything as he had already canceled all services and lease device in the system. Weeks went by and I begin to receive notices from XXXX indicating I owe the services and device I previously returned. I got in touch multiple times with the store I purchased/returned the device and was told to disregard that in their systems I was already canceled and so forth there was nothing else needed from me. Soon after that I received another notice so then I took action and went personally to another XXXX store located XXXX XXXX XXXX # XXXX, XXXX, GA XXXX Telephone number ( XXXX ) XXXX and asked to speak with the store manager XXXX XXXX. However, the request was denied and another sales representative asked me to go to the other store where I initially got the cellphone. On XX/XX/XXXX I obtained a copy of the final statement from XXXX on which listed me responsible for {$1000.00}. Shortly after on Monday, XX/XX/XXXX at around XXXX I received a phone call from a collection agency named : XXXX XXXX with the reference number XXXX requesting a payment in full on behalf of XXXX for the same amount previously described {$1000.00}. I disputed the balance and notified them that I did not owe the stated balance. The representative proceed and threaten to report my account to the credit bureau on XX/XX/XXXX. On Friday, XX/XX/XXXX I received the notice in the mail from IC System Collection Agency. I also faxed the proof of refund to IC System to the fax number ( XXXX ) XXXX with the case # XXXX. The IC System representative also indicated that XXXX never charged anything to my bank account on which I dispute as I have multiple charges from XXXX - XX/XX/XXXX {$31.00}, XX/XX/XXXX {$31.00} and {$42.00}, XX/XX/XXXX {$63.00}, and $ XX/XX/XXXX {$63.00} see attached proof of payment. The representative proceed to tell me my account was on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: Diversified Consultants, Inc.
State: IN

Complaint narrative:
Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: BOK FINANCIAL CORP
State: OK

Complaint narrative:
On the XXXX of XX/XX/2018 I visited my banks atm to deposit my paycheck and withdraw cash as well. After depositing my check, I made another transaction to withdraw XXXX $ from my checking account. The ATM made the sound as if it were dispensing my cash and did not open the slot where it comes out. And error message popped up on the screen and did not give me a receipt. Using my banks mobile banking app, a transaction for XXXX $ was showing on my account and was in fact credited from my account even though the atm failed to dispense my money. Giving that it was a Saturday night and the bank was not opened till Monday I waited to dispute the error made the following business day. I went in on the XXXX of XXXX and made a complaint. The Bank then credited my account for the XXXX $ dollars. I was never informed that there would be a investigation following the incident and now I have received a letter from my bank saying they could not identify an error in the transaction and would be taking back the XXXX $ refunded to me. This is theft of my money and am unsure what to do now. My banks ATM has a camera and I want them to check the camera to see that they in fact did not give me my money. I am very frustrated that a bank that I have been with for years would not look better in to this situation for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2018, I went to a XXXX 's store in Downtown XXXX XXXX and made a purchase with my XXXX XXXX XXXX credit card. The sales associate asked me if I wanted to upgrade my XXXX   card to a XXXX XXXX XXXX XXXX credit card. I asked her if the upgrade would result in having one or two credit card accounts with XXXX XXXX and she told me that the XXXX credit card would merge into the XXXX XXXX resulting in only one account. I agreed to the upgrade under the belief that I would have only one XXXX 's account. Several days later, I received a letter from XXXX 's informing me that my application was denied because I was attempting to open a second store credit card account ; this was confusing to me because I was told that I was not opening a second account. A few days later, I received the XXXX XXXX XXXX XXXX card in the mail. I called XXXX 's and asked if both accounts would merge into the XXXX XXXX XXXX XXXX like the sales associate told me. The customer representative told me that they were no longer doing upgrades that resulted in only one account and that I now would have two accounts. Additionally, XXXX XXXX own website states that an upgrade to an XXXX XXXX account results only in one account : XXXX   : XXXX % XXXX. I told them that I was misled to believe I would only have one account, and that if I would have known I was opening two accounts, I would not have upgraded to a XXXX XXXX XXXX XXXX. I did not agree to two accounts. Now, I am concerned that if I close one of the accounts, my credit score will be adversely affected, as that's usually the result of closing a credit card account. I also submitted a complaint via the XXXX XXXX customer service website, and never received a response. I just got off the phone ( second call to XXXX XXXX customer service ) and filed yet another complaint. Thank you for your help.

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 2018-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I have been made aware that this company is not licensed in the State of Florida to make payday loans. This company is also issuing payday loans with interest rates that could violate State of Florida and Federal usury laws.

I have requested my original loan document from this company and they are refusing to provide it. Instead they have provided where I applied for a loan and the paperwork about cost and fees. I have sent them several letters asking for my original loan documents to this date. I have not received them. This could be a violation of the truth and lending act.

Also they have listed this illegal loan on my credit history with XXXX and XXXX XXXX.

I want the loan removed from XXXX  and XXXX XXXX and any other credit bureau they may have listed it on.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed up for a credit report from Transunion on XX/XX/XXXX upon request of my landlord XXXX XXXX and was unknowingly opted into a XXXX $ credit screening service. I have been charged XXXX $ every month since and did not realize. Transunion did not spell out clearly that this would be an incurred monthly fee and I am seeking reimbursement for these fees.

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 2018-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I believe some one is getting credit cards in my name I don't have any credit cards in my name so if there any credit cards on my credit report open at this time they're not to me someone has stolen my identity and is pulling credit cards in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: Community Health Investment Company, LLC.
State: IN

Complaint narrative:
I have 10 medical bills from three difference Doctor 's the total amount is {$1000.00}. My account number is XXXX with XXXX XXXX XXXX XXXX they also go by the name XXXX. On XX/XX/2018 at XXXX XXXX. I call XXXX and spoke with a representative by the name XXXX. I told XXXX that I have 8 others payment arrangements on other medical bills that I pay monthly. After talking with XXXX, myself and XXXX made a payment agreement plain that I would pay {$25.00} a month started on XX/XX/2018 and payment is due on the XXXX every month.On XX/XX/2018 I got a payment of {$25.00} due reminder statement letter from XXXX letting me know my payment is due by XX/XX/2018. On XX/XX/2018 I called and spoke with a live person form XXXX and made my $ XXXX monthly payment over the phone using my health saving account card my payment conforment number is XXXX. On XX/XX/2018 I called XXXX to make my monthly payment of {$25.00} the representative told me they sold my account. I asked for a supervisor the supervisor from XXXX told me her name was XXXX. XXXX told me she see where XXXX set up my payment agreement back on XX/XX/2018 and she is not sure why my account was sold on XX/XX/2018 to a company name XXXX XXXX after XXXX set up my agreement with me. 
I fill by XXXX selling my account to XXXX XXXX after our agreement and accepting my payment XXXX I suspect XXXX is making false or misleading representations and The FDCPA has broad and encompassing provisions against false or misleading representations ( 15 USC 1692e ). Section 807 prohibits a debt collector from using any false, deceptive, or misleading re By XXXX selling my account to XXXX XXXX they after our payment agreement XXXX broke Section 807 ( 10 ) prohibits the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.presentation or means in connection with the collection of any debt. XXXX misrepresentation my identity to XXXX XXXX by selling my account. A creditor may not use any name that would falsely imply that a third party is involved in the collection. Section 807 ( 2 )  prohibits falsely representing either ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by the collector. 
I would like for XXXX XXXX XXXX XXXX, / XXXX to pull my account from XXXX XXXX make sure that XXXX XXXX didn't add this collection to all three credit report report. If so I want XXXX  and XXXX XXXX to remove this collection. want XXXX and XXXX XXXX to forgive this collection for all my troubles that I have do. I going to file 5 more complaint with other agencies. I want compensation from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: Snow and Sauerteig LLP
State: IN

Complaint narrative:
Today is Sunday XX/XX/XXXX My name is XXXX XXXX. Current address XXXX XXXX XXXX XXXX XXXX, IN XXXX with a Mailing Address of XXXX. XXXX XXXX XXXX, IN XXXX. 

I have tried for more than a year to have Credit Bureau 's along with previous Creditor 's and ( UNAUTHORIZED ) Collection Agencies CORRECT/DELETE entries on my Credit Files due to VIOLATIONS of the FCRA, FDCPA, HIPAA OF XXXX, along with RISA AND the MVISA statutes to name a few. 

Not only are these " creditors ' in violation, but the " Credit Bureau 's '' as well. Even though I I have provided documented facts in the past, they maintain their records are accurate without providing verifiable proof of qualification. 

One of the many dates does go back, at least, to XX/XX/XXXX. 
I AM TIRED OF these companies CIRCUMVENTING the LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX calls repeatedly from early morning to late evening. I simply hang up now. I now send only a low basic amount since them continue to call.

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 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: Exeter Finance, LLC.
State: IN

Complaint narrative:
XXXX XXXX alleges a debt of {$770.00}. 
My Current Balance as of XX/XX/XXXX is {$430.00}. 

Exeter Finance alleges a debt of {$11000.00}. FDCPA, FCRA, RISA, MVISA Violations. 

XXXX XXXXXXXX XXXX XXXX XXXX allege a debt over {$17000.00}. FDCPA, FCRA VIOLATIONS! Misleading, Character Assassination Failing to Credit Account when XXXX XXXX was an ABSENTEE PARENT in XXXX!

Company response to consumer: Closed with explanation