vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I booked a hotel room through XXXX in XX/XX/XXXX. I pre-paid for it using my bank debit card. The total was {$81.00}. 
Upon checkin to the hotel, I was asked - as is customary for a credit card number for incidentals. About a week or so after checking out, I noticed my credit card had been charged the amount of the room. I called the hotel and spoke with someone who spoke very very broken English ( hotel was southern FL ). I tried calling back the next day to get someone else and they just kept saying No charged twice. 
I filed a dispute with Capital one - the credit card company they charged. I was told I would receive a letter for what they need. Letter was never received and the provisional credit was removed a month later and I was charged for it again. 
I called them back. This time they sent me a link to upload documents including a bank statement showing the charge. I sent a copy of my bank statement showing where this was paid as well as a letter explaining the situation. On XX/XX/XXXX they called me back ( Capital One ) saying they needed my debit card number. I was taken aback and told them why in XXXX 's name would I give THEM my debit card number? She placed me on hold and came back and advised she only needed the last four of my debit card number. I told her that was still extremely odd and in the few instances I have had to dispute things in the past with credit card company this has never been asked for before. They insisted it was needed so I took yet another screenshot of my banks website login page which reflected the last four of my debit card number and blacked out everything else and sent it in. 
At this point the issue remains unresolved - I am being charged interest on this incorrect purchase and Capital One - after more than 45 days is XXXX help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received notice from XXXX XXXX that I still had an outstanding medical balance, so I sent a check for the full outstanding amount on XX/XX/2019. 
On XX/XX/2019, the amount of the check was taken out of my checking account. 
On XX/XX/2019, Credit Collection Services USA generated a letter saying that my account had been sent to collections. The outstanding debt they listed was the same as that which had been taken out of my account 7 days prior.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: DataMax Corporation
State: NC

Complaint narrative:
DATA MAX-FRAUD DATE XXXX {$860.00} XXXX XXXX-FRAUD- XXXX {$590.00} XXXX XXXX XXXX-FRAUD-XX/XX/XXXX- {$250.00} XXXX XXXX-FRAUD-XX/XX/XXXX- $ XXXX ALL OF THESE ACCTS WERE OPENDED FRAUDULENTLY AND ARE BEING REPORTED ON MY CREDIT. I HAVE LIVED AT MY RESIDENCE FOR OVER 10 YEARS. I HAVE FILED AND IDENTITY THEFT REPORT WITH THE LOCAL POLICE DEPARTMENT, I HAVE ALSO FILED A REPORT WITH THE FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
BMO Harris Bank has not adhered to its terms and conditions relating to the awarding of its {$200.00} savings account bonus paid to new BMO checking and/or savings account owners meeting certain deposit requirements. According to the bonus terms and conditions published and in effect when my account was opened on XX/XX/XXXX, the {$200.00} savings bonus is awarded when consumers open a new Platinum Money Market account and fund the account with at least {$10000.00} within 30 days of opening and maintain that balance for a period of 90 calendar days. As my attached money market account statements reflect, the account had at least a {$10000.00} balance from XX/XX/XXXX through XX/XX/XXXX ( 100 day period ). The terms state that the bonus will be credited within 150 days after opening or XX/XX/XXXX in my case. There is an additional {$100.00} bonus awarded when both this savings account bonus and a separate checking account bonus have been earned which has not been paid either, despite meeting the requirements and receiving the separate checking account bonus on XX/XX/XXXX. I have met all requirements necessary to receive the {$200.00} + {$100.00} bonuses including an opening deposit of {$5000.00}, funding to {$10000.00} within 30 days of opening, and being a resident of Wisconsin. My XXXX XXXX checking and Platinum money market accounts are open, in good standing, and have positive balances. I previously submitted an online secure message to BMO Harris on this issue and supplied them with the same info but have yet to hear anything back as of XX/XX/XXXX. I am hoping that by reaching out to the CFPB this matter can be addressed and resolved in a timely manner. 

Thank-you, -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 monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FC HoldCo LLC
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Was served with a complaint from XXXX XXXX XXXX XXXX on XX/XX/19, didnt know who they were or if they in fact were able to collect on an old account. I filed my response and counterclaim on XX/XX/19 and sent it certified return receipt. I received the return receipt back but didnt hear a response from XXXX XXXX XXXX XXXX for my answer and counterclaim, of which I had requested them to verify the debt they are trying to collect. Did not hear anything from them so I filed on XX/XX/19 an application for entry of default. No response. On XX/XX/19 I filed an application for entry of default. I had to re-file them on XX/XX/19 I filed a corrected entry of default as I had put the names in the wrong places. Still no response. We had mediation set for XX/XX/19 but I did not go as I had not received a response on my answer nor counterclaim. Cant mediate something if you dont have verification. Had a hearing on my counterclaim on XX/XX/19 and had asked the court, which they allow, to have it done via telephone. Did not get a response from the court until late in the evening of the XXXX and did not receive the order until many days later. XXXX XXXX XXXX claims in there filings after that that they had not received the counterclaim until the XXXX of XXXX, which is not true as they signed for it on XX/XX/19. XXXX XXXX XXXX XXXX has many different addresses which they used in there papers filed with the court as well as sending corospondence via USPS mail with a PO Box as a return address so people will think its junk mail. The XXXX XXXX XXXX struck my answer as well as my counterclaim and allowed judgement on me. Dont feel XXXX XXXX XXXX XXXX followed the rules of civil procedure as well as the XXXX. Maybe they do this alot as I see many many cases with this same XXXX. But they failed to verify the debt. If you need further information please feel free to contact me.

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 2020-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION ASSOCIATES, LTD.
State: FL

Complaint narrative:
COLLECTION ASSOCIATES LT IS REPORTING THAT I OWE XXXX  XXXX XXXX {$970.00} THIS WAS PAID IN FULL THE DAY OF THE XXXX  TO THE XXXX  CENTER HAVE SENT THEM THE CHECK PROVEN THIS WAS PAID BUT THEY HAVE NOT REMOVED FROM MY CREDIT REPORTS. I ALSO LOST MY XXXX XXXX IN THAT XXXX  DUE TO THE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2019, I used the quick pay by XXXX using the Chase Mobile application, to send XXXX $ to my wife 's XXXX  XXXX XXXX account in order to pay for the mortgage ( this has been done every two weeks for 2-3 years ). On XX/XX/2019, XXXX XXXX XXXX indicated that the quick pay 'Failed '. We received a successful confirmation on Chase 's end but a failed confirmation on XXXX  XXXX XXXXXXXX XXXX side. You would believe that since the payment failed to be received by XXXX XXXX XXXX, the money would be refunded by Chase, this is not the case. After multiple calls and a claim being opened by Chase, I've been told they should of received a payment failed but they did no, instead the money has left my Chase account and is currently in 'Limbo ' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LEXISNEXIS
State: CT

Complaint narrative:
chapter XXXX bankruptcy was place on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: KY

Complaint narrative:
Planet home lending would not give the payoff to the law firm. On XX/XX/XXXX the law firm contacts me saying they need me to send in a request. On XX/XX/XXXX I sent in the request. On XX/XX/XXXX o called to verify and see where we where on the pay off request. I was then told they received the request but did not process it because I did not send in the authorization for the request. While out of town I write up a document and fax it immediately. I call back that same day to verify and Im told it is being processed. XX/XX/XXXX I spend most of the day on the phone with them. I called early in the morning and was told it is being sent out today. I ask for a email when its done, Im placed on hold then the customer service guy gets back on the line and tells me they never received the authorization. I ask how it can be sent out today like he said if the authorization was not there. He informs me I can take a picture of the authorization and email it, so I did. I was told it will be processed today. I informed them throughout this process that closing was happening on Monday and throughout this process I was told it will be sent out today. Now here it is XX/XX/XXXX and the realtor calls and says they are at closing and still have not received the the payoff. This information is not something that I can see on the website and the only contact with them is through customer service who can only email and wait for a reply. Now because of their incompetence closing is being pushed back. I can not proceed with paying off my VA loan and another XXXX is stuck not being able to move in. When I call Planet Home Lending I get the same scripted information saying its being done today. This is by far the worse customer service I have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: MA

Complaint narrative:
I got a call from a Dynamic Recovery Solutions. I do not have any delinquent debt ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Finance was notified in XX/XX/2017 regarding in error in the account status of not being late in a scheduled payment. I requested a review of the account and the clerk stated the account would be corrected and placed in good standing. As of this complain the error was never corrected and Ally report the status as late. Please remove this from the credit reporting report services. 

Thank You, 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 2020-01-06 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: WA

Complaint narrative:
Equifax : I have been trying to dispute information on my credit file and they are stalling by requesting more information.

1. I sent in a letter with a copy of my driver 's license ( with my correct address ), I then received a letter stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. They also have a copy of a utility bill from previous interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

2. I did a online dispute and I then received an email stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. They also have a copy of a utility bill from previous interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

3. I did another online dispute ( different information ) and I then received another email stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. I then called to try to speak to someone. for some reason the phone system was unable to verify my identity even though I entered all of correct information. Their phone system is extremely difficult to speak to someone. When I was finally able to speak to someone, their english was very poor and did not understand what I was telling them. I then asked to speak to someone in the USA. After waiting several minutes, an agent came on the phone. She was unable to explain to me why the phone system was unable to verify me. Then after verifying all of my personal information verbally with her, she began to ask me several question about my credit history. She asked one question twice and said it was different the second time but it seemed the same to me. By this time, I was very frustrated and needed to get back to work and it seemed like i was not going to get anywhere so I ended the call. 

Again, this is extremely frustrating, it should not be this difficult for a consumer to try to dispute something on their credit report. Per the FCRA, the reporting agencies are required to maintain accurate records. Equifax seems to trying to make it so difficult that the consumers gives up. 

evious interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I want this fixed and for this to be removed from my credit report for good will and try to help me with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
Chemical Bank did not send out invoices for XXXX. 
While I paid on time, and they claim no interest charges would accrue, they are now soliciting me for further services with their company. 
Today, Mr XXXX XXXX from the XXXX office ( NMLS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) requested I call him for further services.

I have requested them not to solicit from me in the past. ( Date unknown, given verbally ) This is unacceptable.

Company response to consumer: Closed with non-monetary relief