vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opne an credit card account with caital one services, XXXX XXXX XXXX XXXX XXXX, ut XXXX, on XX/XX/2018 an arc payment ( note ) was sent to my bank giving them the ok to send or do an pay to capital one to recive {$25.00} for my min payment.I call capital one to check up on my card acount on XX/XX/2018 at XXXX.they told the account was close, i ask why, the said on XX/XX/2018 when they sent the payment to my bank that the bank deny it becoause it was money in the account, so, i call XXXX which is my bank XXXX XXXX XXXX XXXX XXXX ca XXXX , we did an 3 way call in which an rep from capital one, an me, XXXX an rep from XXXX XXXX was on the phone together, my bank rep from XXXX told capital one the phone talk was recorded by me, the bank an capital one, they told them the reason why the payment to go out wasnot because, capital one would not did collcet the note, we ask them why, he stated he was going to look into it.that was strange, affther the bank rep hang up.he told me to hold on when he came back to the phone he said that the could not correct the matter cause the bank said it was not money in the account, keep in mind we just got off an 3 way the bank rep said that the reason was cause capital did not colcect, the note and the money was in the account to cover it.i told him that.ask if i could have the papers ect.. so i can fail an complaint, the co has an investigaton team that do just that look over acount check and corect mistake ect..the custumer has to tell them that want it they has investigate and let the person know what hapend, if person need statement letter doc ect ... that are show it give to.thats the consumer rigths fed law also cover that to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/17, XXXX, hit my credit report as a hard inquiry. I contacted all three credit reporting bureaus to investigate and delete this hard inquiry from my credit reports. They have not responded back to me and I sent the certified letters through the United States postal service well over a year ago. This hard inquiry has caused me a great deal of hardship and stress I've been denied credit and my credit score as decreased drastically. According to the FCRA, the credit bureaus has a despot me the consumer, to respond in a timely manner and to report accurate, information.

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CHECK INTO CASH INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX XXXX XXXX regarding a credit card account that was filed in XXXX Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: CA

Complaint narrative:
I was seen at XXXX XXXX XXXX XXXX  (XXXX, OK)  in the emergency room XX/XX/XXXX. 
When I was seen there I gave them my VA medical card. The hospital never sent me a bill or reached out to me for payment. 
A company ran my credit and told me I had something in collections in XX/XX/XXXX. That was the only way I knew something was negative on my credit. I was never contacted by XXXX XXXX or AMCOL, the collection agency that XXXX XXXX sent my bill to. I have since contacted XXXX XXXX and they apologized  and told me a mistake was made, they had me as a "no insurance" patient and sent it my bills to an address I had in XX/XX/XXXX! 

The amount with AMCOL Systems Inc- $XXXX. 

I'm a Veteran and have been dealing with he VA billing department and XXXX XXXX billing department. I was told this was taken care of. It should not be on my credit report. 

I have spoken with AMCOL in XX/XX/XXXX and made 1 payment ($300). But I was told by the VA not to pay on it any longer. It's been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Visio Financial Services Inc.
State: MS

Complaint narrative:
Received paperwork stating that the house is in foreclosure but this was during bankruptcy automatic stay company went against the automatic stay and continued to the foreclosure property by ignoring stay. They were still selling the house and closed the bidding when the account was in bankruptcy status ignoring the bankruptcy automatic stay on property The house was placed on the market during bankruptcy. I received a letter after the house was taken off the market but they never to this day advised how much is owed and continue to publish the house for foreclosure after all this time the amount is not accurate and neither one of these parties have a sure amount of what is owed. When I did call they still did not have an accurate amount owed they said they will send me notification as of today 's date there is no notification of the debt owed and how much is constantly different with figures that are higher than normal. The mortgage servicer has placed fees that are unlawful in order to seize the property. Visio and the servicer is not advising the exact amount owed ignored automatic stay but yet they are putting the property back on the market without letting the owner know what is really owed, Not giving the owner time to dispute they are constantly violating the legal right of the property owner. These two companies have two different figures placing property on the market and not advising what is owed. and it is not detailed or structured for anyone to understand what is really owed because of the many fees that are unlawfully placed on the property in foreclosure. Visio is  conducting predatory lending practices and needs to be investigated for discriminatory practices as well. They have deliberately foreclosed property where they advised people that the owner of the property spoken in a derogatory manner by the finance manager XXXX using unlawful tactics in order to seize property the company is engaging in unlawful tactics in order to get property in their possession by the tactics they have displayed during financing and foreclosure the company continue to deceive the owner where they would state that they will renew the terms and at the end of the term refused therefore causing the loan to be in automatic foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello dear CFPB Im writing about my Barclays XXXX XXXX Business Card that I applied XX/XX/2018. 

After i applied Barclays reviewed my XXXX XXXX Credit Report i called and was advised to send my driver licence ss card and utility bill which i sent them. After that my application went to business review department which they asked me to send them all business documents and checking account informations fun facts they did not even know how to read and understand article of incorporation documents. Finally after 2 month i got my XXXX XXXX Business Card with {$1000.00} credit limit which was really not what i was expecting so i called them to ask them to increase my card credit limit and after was on hold one hour with lady XXXX  came back and said we are closing your account because we can not see inquiry that was placed when you applied for credit card which is completely false there is inquiry on my XXXX XXXX XX/XX/2018. this is really insane i wasted my 2 month sending them all documents they need and instead of getting credit limit increase they closed my card on false pretext. Again I have very good credit and never been late and very responsible borrower. Please assist me to reopen my business account and get high credit limit. thank you very much

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Received an email from XXXX XXXX alerting me of a new inquire that was made on my account. I have not given anyone authorization at all in the last 6 months to run my credit. I logged in to my XXXX XXXX account and saw that today XX/XX/2018 XXXX ran an inquiry on my credit and then that XXXX XXXX ran one XX/XX/2018 as well. I did NOT give authorization for either of these companies to run and inquiry on my credit what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a XXXX XXXX customer at Bank of America 13+ years customer. 

Today BofA slapped me with a XXXX hold and told me that my account is being closed. BofA requires you to have XXXX deposit with them in order to maintain the status - and I was transferring my money from various bank account I have into BofA so that I can maintain my status. I suspect this abnormal high amount of transfers triggered their system and I was told that they are closing my account. 

I have no issue with BofA closing my account except they locked up all my savings in the account. The amount is a bit more than XXXX. They have refused to let me withdraw the money and they said they have submitted a request to " re-open '' my account so I can pick it up at a local branch. 

I am going out of country, and I need access to the money. Because that I was pooling all my money to maintain the status, now I might default on various payments unless I get access to the money. 

This practice isn't right - at least BofA should give access to my own money.

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 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received an offer for the American Express Gold Card. XXXX points after {$2000.00} in spending. I applied through the offer link and was approved for the card. Once I'd met the minimum spend requirement, I reached out to AMEX who told me I no longer qualified for the offer. Throughout the application process, the offer was valid and I was nowhere notified the offer did not apply to me so I applied in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I checked my pre-qualified offers on Amex website and got a offer for Amex Gold Card with XXXX rewards points welcome bonus if I spend over {$2000.00} with the card in the first 3 months. I applied for the card after seeing the offer on XX/XX/XXXX, and received the physical card on XX/XX/XXXX. Since I couldn't find information about the welcome bonus on the paperwork and in their app, I contacted customer service to confirm, and was told that my welcome bonus will only be XXXX. I had been transferred to different departments and talked with XXXX different customer service representatives, each of whom gave me a different reason as to why I didn't get the XXXX offer that I saw at time of application. The first CSR told me there wasn't a XXXX offer when I applied, and asked me to provide a screenshot of the offer at application ( which I don't have unfortunately ) ; the second person told me I had an old corporate card that was closed ( which was for one-time use during interview with a company, in order to cover travel expenses ), and therefore my bonus was lowered from XXXX to XXXX ; the third person told me that the bonus offer may change between when I hit the apply button and when the application gets processed. Three people gave totally different reasons, none of which makes sense. I am very disappointed at the lack of transparency and poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National credit systems. I paid XXXX dollars to them in XX/XX/2015 for XXXX XXXX XXXX. I have the receipts but they are still on my background checks. I have proof with a receipt it was received. When i went to contact the company on my own they keep saying they have been sold and sold and resold again so they cant locate my information. This is destroying my family and my trust in the government. Why was this not reported to my credit when i first made payment. And now national credit systems wants XXXX for something i paid in XX/XX/2015. This is ridiculous. Ive contacted them once before and they still want more money. Why pay more for something ive already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this XXXX XXXX XXXX hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted all three credit bureaus through certified letters via the United States postal service over 30 days ago to have them investigate and remove this hard inquiry off of my credit reports. They have not responded this check into cash hit my credit report on XX/XX/18. I have not heard from the bureaus about my dispute request which violates the FCRA law, the credit bureaus has a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2018-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COAST PROFESSIONAL, INC.
State: PA

Complaint narrative:
XXXX,XXXXXXXX I contacted Coast Professionals about my student loans that are currently in collections. I spoke with XXXX XXXX and explained that I plan to file bankruptcy XX/XX/2018 however, my student loans would not be included. I asked what my options were at this time to which we discussed loan rehabilitation. I questioned if I needed to wait until after my bankruptcy but I was told it would be best to start the process now. So I paid {$5.00} to get started and called back at XXXXXXXX and spoke with XXXX to fill out the forms and fax them over with my financial information. I was told I also would need to call in today, XX/XX/2018, to make another payment by doing so I would be 2 months already into the program. I called today, XX/XX/2018 at XXXXXXXX and spoke with a woman to make the {$5.00} payment. After I made the payment and asked questions about the status of consolidated loans and individual loans, the woman explained to me that when I fail bankruptcy all the collection activity would stop. I asked her I I had to instead call in to make a payment and she told me that I could not do that while in bankruptcy which would mean I would fail the loan rehabilitation program and would not be able to reapply. I explained to her that I explained my intentions and bankruptcy XX/XX/2018 so why would they tell me it was best to do everything knowing I would fail. Very misleading and dishonest behavior when someone is attempting to fix their financial situation.

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