vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I made a payment in the amount of $XXXX to Capital One towards my credit card balance.  The card rewards state that as long as your account is in good standings with the company, you are able to utilize the cash back feature towards the balance on your credit card (which my account is and I have paid more than the minimum balance each month).   My payment due on XX/XX/XXXX was $XXXX. I utilized my cash back credit of $XXXX in addition to a payment from my financial institution, which totals $XXXX. On XX/XX/XXXX, I reviewed my account information for the month and noticed a late fee charge of $XXXX which was debited to my account with Capital One.  The statement also showed that both the cash back used towards my statement in the amount of  $XXXX along with my $XXXX personal payment was received a nd utilized toward my balance on XX/XX/19.  On XX/XX/XXXX, I contacted customer service and spoke with XXXX, a customer service rep and then asked to speak with a manager to have the charge removed as my account has NEVER been late.Next, I spoke with XXXX who stated she is a senior account supervisor. I asked that the late fee be removed. She said that the system would not let her remove the fee.  I asked for an explanation and she wasnt able to provide one. I also asked her where I could review the information that states that the cash back could not be used towards my statement for the month. She stated it is shown on a box that is checked when I redeem the cash.  There is no way to view this information now.  I also looked on the company website under their FAQ segment and have a screen shot available showing that NOTHING online on their website states any disclusions about using cash back rewards towards the statement.  When asked who I could contact at Capital One regarding my credit card with them, she told me to go on their website to find the address.  Because I had just experienced a problem with the transparency of their “rules” for redemption of cash back on their website, I did not trust that the website would provide me with accurate or reliable information which is why I have contacted you.If needed, I can certainly supply all of the screen shots I have taken regarding this information to support my case.I would like the fee to be reversed, as well as help other customers of Capital One in the future.  There should be transparency and available information to the consumer regarding limitations on their cash back limitations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple XXXX XXXX cards opened in my name without my permission. This has been proven based on XXXX XXXX investigation along with a copy of the police report that was given to all three credit Bureau, and XXXX XXXX took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (Experian, XXXX and XXXX) immediately!

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 2019-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VALLEY CREDIT SERVICES, INC. (WI)
State: CO

Complaint narrative:
XXXX XXXX XXXX DAMAGED MY CREDIT AND I NEVER HAD KNOWLEDGE OF THE DEBT.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I recently checked my credit report and noticed that Santander was reporting to XXXX  and XXXX. Previously I disputed this information with XXXX because I was not sent a certified letter ( ever ) or served with any letter letting me know that I had the option to buy back the vehicle or be set up on a payment plan. I was not given any notice of sale letting me know when and where the vehicle would be sold in order to redeem the vehicle. I was never given a post notice of sale of deficiency explaining that there was any adverse action or balance due. My rights were completed violated and Santander has never contacted me about this matter. I just stumbled upon it when I was looking into my credit report due to hearing about company breaches.

The information I was able to gather from my credit report is that the car was set for repossession XX/XX/XXXXin California and sold XX/XX/XXXX. Under the laws of the state of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Since I never received any type of notification this is in clear violation of my rights. This item was removed by XXXX  due to a dispute and it needs to be removed from both XXXX and XXXX as well.

There is another issue that I am seeing is that the reporting company Santander Consumer USA originally listed the past due amount as {$5900.00} in XX/XX/XXXX and this amount has increased incrementally since then to the total of {$9100.00}. I still have not received any verifiable information from the company about this and neither has XXXX.

I am requesting that this account be deleted because no copy of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle has been provided. The alleged claim of a deficiency and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a clear violation of the FDCPA and FCRA.

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Finance Corporation
State: NM

Complaint narrative:
this is actually an installment loan but payday is the closes selection you have available on your site i got a loan in summer 2018 and was keeping up on the payments but then i got behind on my payments due to financial struggle. i told them i would pay them when i got my settlement from a recent injury. i am still waiting. i am XXXX XXXX and they are fully aware of this told several times in person and had trouble communicating with me because of it, one of their staff even came to my door and i explained that the closed caption on my phone was not working and i cant talk on the phone. and that calling me is only going to upset me once you are informed. within 1 months the calls started every single day from several numbers. i even set my answering greeting on my voice mail with a custom greeting explaining that i am deaf and i cant take a phone call. they totally ignore that and continued to call 11x so far. i provided an email address and text message phone number to them when i got the loan but they still wont respect me. they continue to call and leave messages telling me ( knowing i cant hear on the phone ) to " CALL '' them. i feel very discriminated and want actions taken!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
In XX/XX/XXXX, I entered into the Public Service Loan Forgiveness Program and my servicing company was XXXX. XXXX  was very easy to work with always had the most accurate information. Information regarding the number of qualifying payments was available and up to date on their website. In XX/XX/XXXX, my loans were taken over and transferred by XXXX XXXX without my request, approval or knowledge. I found out this occurred the next time I contacted XXXX. Since I am nearing retirement age, I am always checking to see what the status is of my " qualifying months ''. Every year I submit a new Employment Verification form as advised by the Department of Education. I contacted XXXX XXXX to request this information and they have NEVER been able to tell me what the number of qualifying months is. The employees who are supposed to provide customer service are anything but. They have an attitude and skirt around every question or request for information I present to them. The ONLY place you can find the qualifying number of payments is on the statement. However, the number of qualifying months KEEPS CHANGING going up and down, mostly going down and my student loan balance keeps going up. They aslo tell me they can not verify any of the payments made to XXXX  yet my account was transferred to XXXX XXXX. On XX/XX/XXXX, I contacted them because the XX/XX/XXXX Statement shows only 12 qualifying payments, however, the XX/XX/XXXX statement shows 32 qualifying payments. I thought perhaps there was an error in adding the newly approved payments from the recently submitted Employment Certification Form to the already identified 32 qualifying payments. I was told that since I requested an audit on my account ALL the payments had to be re-verified. This process has been going on since XX/XX/XXXX and they could not tell me how long it would take. I asked to speak to a manager and was basically told that's they way they do things, would not provide me any policy stating the process, did not offer to expedite the process and said this could cause my qualifying payments to do down. Now how hard is it to qualify the payments each year and then add the new qualifying payments each year they receive an Employment Certification form. It is very disenchanting when the qualifying payments becomes a moving target. I am unable to plan for my retirement not knowing how many more years I have to work so my loan will be forgiven. In the meantime, my balance keeps going up and if my qualifying payments are one short, I will owe the entire amount irregardless of what I have been paying since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TN

Complaint narrative:
Crown Asset Management bought my XXXX XXXX/XXXX  account in XX/XX/XXXXafter XXXX  wrote it off because I am on XXXX  and could not pay it. Now my husband is retired due to health issues as of XX/XX/XXXX. We are both on fixed income.

Through the remainder of that year and all of XX/XX/XXXX I never heard from them at all. Nothing!!! Now I have been served with a paper to go to court in XX/XX/XXXX over this. Im barley physically able to take a shower and do grocery shopping. We have nothing of value to lien, live in public housing, and I have a 20 year old car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On around XX/XX/XXXX l made a call to Capital One credit Department from my cell phone XXXX to apply for a Visa credit card instead of a Mastercard.

Capital One credit card Department approved Mastercard in ending # XXXX on XX/XX/XXXX and since XX/XX/XXXX l have been making timely payments each month.

On Monday.XX/XX/XXXX l made a call from my cell phone number XXXX to apply for a Capital One Visa credit card and Capital One Department administration Denied me the opportunity, because l am XXXX XXXX.

Capital One is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Capital One credit card Department ran my credit with my Social Security number as Capital One already have all my information on their Data system.

Capital One credit card Venture card limit is around {$5000.00}.

I told Capital One, that l need it a Visa card to boost my credit scores so l can obtain a VA home Loan to purchase a home in XXXX, California and Capital One stated that they was going to provide me with support.

But, because l am XXXX XXXX and XXXX  l was Denied on Visa credit card.

I am been Discriminated and Retaliated as a XXXX XXXX XXXX and US Military Veteran.

My XXXX XXXX XXXX  pension income is sufficient equitable as l receive {$54000.00} @ year income from California Cal Pers XXXX    XXXX  pension income and is a XXXX XXXX income with a cost of living increase of 3 % COLA each year on XX/XX/XXXX.

I have made various calls to Capital One credit card Department to increase my Capital One Mastercard ending in # XXXX credit limit from {$500.00} to a higher amount.

But Capital One credit Department declines credit increase.

I am been Retaliated and Discriminated because of my National Origin and my file complaints against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation
State: MA

Complaint narrative:
OK PERFORMANT FINANCIAL C XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX .they damaged my credit report dropping my credit score 35 points. I when from a XXXX to a XXXX. score. I don't know or have I every did business with this company. this is wrong. they have violated the fair debt credit protections act. they did not contact me by phone or by writing. they just did and unauthorized inquiry that has drop my scores 35 points.. I did not give them permission to run my credit .. they need my authorization to look or run my credit ... im going to report the to the attorney general office in CA. I do not recognize this company at all and why or how they ran and unauthorized inquiry on my credit report and damaged my credit report 35 points. According to the fair debt credit collection act. you must stop all attempts to collect on debt and inquiries until it matter is resolved .... you have the wrong person it you wont validate the inquiry you must delete it because I am disputing it in writing ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
Bank involved : HSBC Bank USA, N.A XXXX XXXX XXXX XXXX, NY XXXX  I tried to open HSBC Advanced checking account and was declined stating that they are unable to verify the identity of me.

Then I got report from all 3 credit reporting agency and found that my address, SS #, name, etc.. are perfectly matching and hence I am identifiable. Per the credit agency report, HSBC made enquiry to XXXX and got info which is perfectly identifying me. My credit score is XXXX. On same day I am able to open accounts in other bank. I also uploaded address proof to HSBC bank but still they denied my application. In fact they were able to verify my other bank account also by exchanging few cents for ACH verification before denying my application.

When called HSBC all they can say is " HSBC don't want to do business with me at this time ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018, XXXX XXXX pulled my credit and apparently gave permission to a third party, XXXX XXXX XXXX, to pull my credit on the same day ... which resulted in two credit pulls on the same day ... which I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation
State: NM

Complaint narrative:
The company ( XXXX XXXX has called me excessively after one missed payment for an entire week. I have either answered when they called or called back immediately. Therefore, no lapse in contact has been made. Unfortunately, the agent and manager at the office have began calling my references, as if they have not made contact with me. I explained to the manager XXXX  that she was in violation of the regulations set in place. She accused me of yelling while on speaker phone, to which I explained I wasnt yelling and my being on speaker phone was entirely at her discretion as manager. She proceeded to hang up on me and when I called her back to reiterate the fact that they should not be calling my references due to our continual contact she refused to acknowledge the phone calls were being made and bid me good day.

The amount due is less than {$500.00} and the due date is the XXXX  of every month.

I believe the agreement was 10 payments of {$96.00} which Ive complete approximately 4 before the due date.

Dates of contact : XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( made contact ) XX/XX/2019 @ XXXX mountain time ( missed call ) XX/XX/2019@ XXXX   mountain time ( received text from sister that she had been contacted by XXXX XXXX ) XX/XX/2019 @ XXXX mountain time ( hung up on by manager XXXX  ) XX/XX/2019 @ XXXX   mountain time ( I called back to reiterate the violations ) **** times reflected on call log are pacific time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase bank receives pre authorization for purchases online the charge is debited out of account then 2 days later reverse the charge from the merchant. The representative said the reason is the said the merchant has 3 days the collect or present charges however if make purchase online they do not charge the consumer until the product has actually shipped to the consumer this has cost me over {$200.00} fees and NSF fees from merchants I did a lot of online shopping for the XXXX season

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDCOUNTRY FINANCIAL CORP
State: VA

Complaint narrative:
I am currently XXXX XXXX military and have been trying to obtain my secret clearance. On the process of doing so I found some creditors from accounts that my ex-wife opened without my knowledge. Two of the accounts were from the same Creditor by the name of XXXX XXXX. When I called XXXX  to find out where the debt was from and see if there was anything I could do to resolve the account they told me that they didn't have the contracts or agreements of the loans. They simply had a letter with very vague info stating the amount owed on the loans. The account number XXXX  that was charged off was for the amount of XXXX and they want XXXX to settle the debt. The other account they claim is mine is XXXX  in the amount of XXXX XXXX to settle. They do not have proof that the accounts were opened by me and the accounts are no longer on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX never heard of them but their on credit reports for hard inquiry on XX/XX/2017. i was told its a hard inquiry and will fall off in two years like why should i care. it should be removed and companys should be more careful its hackers everywhere

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 2019-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I was in the hospital multiple times ( 3 ) i was not a minor, My father said he would have my bills put on his insurance and he was there 2 of the 3 times i was at XXXX XXXX   XXXX XXXX in XXXX Tn. The first time he went there and gave them the insurance card to get this resolved before they billed me. I have recieved multiple letters and calls from them stating that i owe XXXX . My father keeps telling me he will get this fixed but i just recently got approved for a credit card to start building credit, as im only XXXX years old and i allready have 3 derogatory marks due to this. I do not want this to hurt me or my credit, especially because i just started trying to build my credit. The dates are XX/XX/2018 for XXXX   . XX/XX/2018 for XXXX  . And XX/XX/2018 for XXXX  . If you could help me this would be awesome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had 2 accounts with XXXX which reported as closed by consumer suddenly Experian changed it to close by the grantor. When you look on the same day Experian report from yesterday one shows closed by grantor while the other does not show that statement. ABSURD!

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