vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I sold my vehicle for {$2000.00} more than I owed. XXXX paid the total to my lender, Ally within 3 days at the beginning of XXXX this year. Ally said the overage due me should in my hands by the XXXX. Which seemed like too long. I didnt receive it so I messaged them. They said it wasnt even mailed till the XXXX! Here it is the XXXX and I STILL dont have it. That is not their money to trifle with.

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 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The summary of this complaint is that my credit card company Capital One, coerced me into making a late payment when I was asking for a due date extension I was entitled to. By giving me incorrect information, not notifying me of my right to extend the due date of my bill by one whole billing cycle and not informing me that my interest rate would be severely affected, the Capital One agent directed me to make a late payment resulting in the interest rate of my account to go up from about 6 % to 23 %. 

On XX/XX/2021, Capital One was contacted to extend due date of the credit card bill. The extension was needed because customer was experiencing Covid-19 hardship issues as well as having his wallet stolen a week earlier which Capital One had been notified about and had issued a new account number since. When asking for just a one week extension, the Capital One agent iterated that there is definitely no way to do that even if I was experiencing financial hardship and had very recently had my wallet stolen. The agent directed me to make my payment late and then call back after to get a {$39.00} fee re-credited. She made no mention at all of the late payment changing the interest rate and insisted that there was no option of extending the due date as was later found possible. 
When the interest rate increase was discovered, Capital One was contacted to get the misunderstanding and mistakes THEY created cleared up. After numerous attempts and hours of trying to communicate with Capital One, eventually they said they would listen to the recorded conversation and get back in touch for resolution. When they contacted me back, they lied and said the agent had not misdirected, misled or given me wrong information so I asked that we listen to the recorded conversation together to confirm their claim. They then said that they are not allowed to let me hear the conversation and gave no actual reason why. The reason was clear ... 

This is an egregious situation as I called them for assistance and not only did I not get the assistance I was entitled to but instead they victimized me as described above!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My balance was paid in full on the due date, XXXX, but I was charged what they called as " residual interest '' on XX/XX/XXXX for {$6.00}. I requested they remove the interest since the balance was paid in full, they declined stating they couldn't find a reason to remove it. The fact that my balance was paid in full should have been the reason. I spoke with XXXX and XXXX. XXXX stated she was a Sr. rep but there was no one above her that I could speak with. I asked if I would need to end my XXXX relationship with the company over something as simple as their so-called " residual interest ''. XXXX stating I could do want I wanted to do. She was unprofessional and highly dismissive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 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: Park Hill Holdings
State: TN

Complaint narrative:
I applied for a home and this company name Corelogic is housing inaccurate public records on my report. I called asking them how they review the information and was inform they can not provide the information. Then was advise they will dispute it with the company whose provided it. Til this date I have not got anything supporting the accuracy of the public records. Only thing they can say is it has been verified but did not show me any proof or finding to show how its accurate.

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 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Paid account off that was closed by a primary lender.. later I was informed that my score dropped 70+ points I was never notified by the original lender.. when I called to rectify they stated that they mailed it to me by another lender. I paid them again but I need my account to show that it was rectified and my payment history.. shows that I've been a consistent on time payer..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my XXXX XXXX credit card account. To this day the company continues to report to XXXX and Transunion each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.

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 2021-04-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden XXXXXX/XX/XXXX card account. To this day the company continues to report to Experian and XX/XX/XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to XXXX XXXX who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.

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 2021-04-29 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Re : Disputed transaction on virtual account XXXX Merchant : XXXX Date of transaction : XX/XX/21 Disputed amount : {$23.00} Dear Disputes Department, This dispute needs to be re-opened. The merchant has provided proof that the item has been received by the customer. However, upon receipt of the item, the customer found the merchandise to be defective. Congruent with the merchant return policy ( attached ), customer has made multiple attempts to return the item. The merchant return policy states that the merchant will send a postage-paid return label to the customer. However, merchant has failed to provide a postage-paid return label to the customer. 

Please see attached e-mails indicating multiple requests for a return shipping address and return shipping label. Such e-mails have been ignored by the merchant. 

Attachment 1 : E-mail dated XX/XX/21 directed to merchant requesting for a return label Attachment 2 : E-mail dated XX/XX/21 second request for a return label Attachment 3 : Merchant return policy Customer has also called merchant on XX/XX/21 to request a return label. Customer was promised to receive a return label but not return label was sent to the customer in order to return the item. The merchant is not complying with their return policy and hence the dispute needs to be re-opened. 


Please reverse the full amount of {$23.00} back to the mastercard account. 

Thank you,

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 2021-04-29 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
As of XX/XX/2019 my chapter XXXX bankruptcy was officially discharged by the courts which included my golden one credit card account. To this day the company continues to report to XXXX and XXXX each month saying I have a outstanding balance and hitting my report with charge off marks each month which has drastically brings my credit score down. This account should not be valid after the chapter XXXX bankruptcy declaration of discharge and should be removed immediately along with all previous derogatory marks from XX/XX/2019 to present. Ive reached out to Golden one who offered no resolution but acknowledged that they are aware this account was in my bankruptcy.

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 2021-04-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent TransUnion a certified dispute letter on XX/XX/2021 and it has been received on XX/XX/XXXX, XXXX has been more than 40 days with no response. A Letter regarding unauthorized inquiries on my credit report, but TransUnion failed to respond within the time frame allowed by FCRA, the are obligated to remove those inquiries. A certified dispute letter will be uploaded to the portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: WI

Complaint narrative:
Since XXXX I have been battling with Transunion and XXXX about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention XXXX disputes with XXXX and 5 with Transunion. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX  on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.

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 2021-04-29 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Since XXXX I have been battling with XXXX and Equifax about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention 7 disputes with Equifax and 5 with XXXX. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: MD

Complaint narrative:
On XX/XX/XXXX, I received an alert via my credit monitoring company that VANCE & HUFFMAN LLC, placed an alleged collection debt on my credit report. Per the FDCPA, the company failed to provide a written request of Validation and/or contact me prior to placing the alleged debt on my credit report. The company has been sent a letter dated XX/XX/XXXX via Certified mail in reference to this FDCPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My capital one card was stolen and now i have outstanding balance of {$1000.00} and did not use my card amd need help please let me know how i can fix it becausey credit score is going down extremely low

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I Noticed incorrect information on my credit report involving Credit Acceptance. I financed a XXXX XXXXXXXX XXXX Through Credit Acceptance priced at {$8000.00}. When I attempted to pay the automobile off, I was told that I financed a XXXX  XXXX XXXX for {$13000.00} which was incorrect. Next I began to send in documents showing the car I purchased original price alone with vent number. After being ignored by Credit Acceptance and The Dealership I contacted all 3 credit bureaus and submitted a dispute containing a payment history related to my dispute. the payment history balance different from what's shown on my credit report. I was able to make progress with XXXX but not so much with XXXX and 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 2021-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
Advance America located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX Has called my employer 3 times. After the first time I asked that they stop, the nice lady said she would notate that on the account. However, they have not honored the fact I ask them not to contact my job. It is one thing to try and collect what is owed but it is another to harass people at their places of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO EQUIFAX, XXXX AND XXXX FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, EQUIFAX, XXXX AND XXXX  ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX AND XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT EQUIFAX, XXXX, AND XXXX CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT. 

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER THAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON EQUIFAX, XXXX AND XXXX WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS. 

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: LA

Complaint narrative:
DEFINITION of Zombie Debt : I had internet service with XXXX and moved, I brought my equipment and closed the account ( XX/XX/XXXX ) and opened new account ( XX/XX/XXXX ) with XXXX at the new address, which I kept for 13 months ( XX/XX/XXXX ). The manager ensured that the account was Closed, and I never received any information that the old account was not properly closed in the XXXX system. The service at New Address was never interrupted for any reason ( such as Non-Payment ). I ended that contract ( with XXXX ) after 13 months and moved to another service ( XXXX XXXX XXXX ). 

In XX/XX/XXXX I received a letter from XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I again hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX In XX/XX/XXXX I received a letter from I.C. System that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I was able to Dispute at ( 2 ) Credit Agencies, but ( 1 ) Credit Agency has marked the erroneous debt a Valid. I have AGAIN hired a Lawyer to Dispute the Validity of this erroneous debt. 

My Credit Score has taken an 86 Point Drop ( from high 700 's to high 600 's ). I was in process of making a major purchase, which I have now had to put on hold to correct these errors. 

The fact that Debt Collectors ( such as I.C. Systems ) will purchase bundled debt obligations without the previous Debt Collectors ( XXXX XXXX and XXXX XXXX XXXX ) scrubbing erroneous customer information is the Definition of Zombie Debt, it just won't go away. My attorney actually recommended that I pay a debt that I don't owe, but agreed that it might not be removed from my Credit Report.

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