vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Told dealership I am pre-approved with XXXX XXXX and asked if they could submit my info to XXXX XXXX only as I do not want multiple inquiries on my credit report. They said that would not be a problem. This was on XX/XX/19. I got an alert XX/XX/19 that the dealership submitted info to other creditors. Three times I demanded not to have my info submitted anywhere else and three times I was told it would not be. XXXX the finance manager calls me back and says the rep was trying to help me get a lower rate and now he is the villain for trying to help out. She mentioned that she can't read his mind and doesn't know what made him do that. He is your employee, how about ask him why he went against the word he gave me. She said if he would of gotten me a lower rate that I would be happy but since he couldn't he is the villain. I explained this is not about help, this is about you telling me you are going to honor my wishes and then completely disregarding what I said and doing what you wanted to do. I told her to remove the inquiries outside of XXXX XXXX and she states we already submitted the information and we cant remove them and that she doesn't know how. A professional would apologize and see what they could do to correct their mistake. If you do not know how then ask your manager or their manager until you find the solution.

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 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
For the payments I made in XX/XX/XXXX and XX/XX/XXXX as regular monthly payments Wells Fargo applied all my payment as a principle payment instead of principal and interest so it looks like I haven't made a payment in 2 months. I have gone into a branch to try to fix this and most recently I called into their call center. It still has not been corrected.

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 2019-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
In XX/XX/2018, I sent in a balance payment for my Cabela 's   credit card administered by Capital One, 10 days prior to the due date. Thirteen days later, I noticed that the check had not cleared my Credit Union, so I called Capital One, and after a conversation with the service personal, decided to provide my Routing and account number, to pay the new balance, and close the account. Assuming the first check was lost in the mail, I stopped payment on it. That caused chaos at Capital One. They debited my account, the amount of the stop payment check. Then for some reason, Capital One sent me a check, for the amount of the stop payment check. And told me I now owed them the amount of that check, plus interest and penalty. I called their service line, and finally got put through to a supervisor, that noticed the unusual activity, and said they would investigate, and get back to me in a week to 10 days, with an answer. They never contacted me. Then I started getting all kinds of calls from what sounded like their bill collecting department. And sent me a statement, for the balance plus interest and penalties. So I decide to just pay them, the balance including interest and penalty, and sent it to them priority mail, so I knew they couldn't deny receiving the payment before the due date. Today I get a statement for a new {$69.00} balance ... With a statement that doesn't itemize the charges. HELP! I just want them to close out my account, and explain why I owe them an additional {$69.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-08 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: EQUIFAX, INC.
State: MN

Complaint narrative:
My personal information was stolen and there is numerous fraudulent account in my name. I have tried disputing all of the fraudulent accounts with Equifax. I was on the phone with this company for over an hour. After verifying my identity and disputing the accounts that are fraudulent, I was transferred to another associate who claimed she could not verify me. I went through the entire dispute process with them in the end to be hung up on. I disputed the following ; You have 9 Closed Accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX All of these are Fraudulent accounts and Equifax refused to due their due diligence to help me take these off of my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America Visa cards have had a feature called XXXX for several years. This allows the card owner to create a new referral number with restricted value and expiration, thereby not exposing the actual card to online merchants. 
This past weekend a message occurred every time I attempted to create XXXX numbers saying the system was undergoing maintenance and no new numbers could be created. After 3 days, I contacted customer service and was told the maintenance was done on Friday, XX/XX/XXXX and it included a new restriction that only 20 XXXX numbers could be created during the life of the card! There was no advance notification by mail, email or alert and the online help system does not state the restriction. This is unreasonable since it is a protection to both the user and the bank. Had notice been given, advance referral numbers could have been created for later use. Also, the current message is inaccurate and misleading.

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 2019-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I cosigned a lease with my daughter in XXXX. She signed 2 subsequent leases in XXXX and XXXX, and the lessor did not ask for a co-signer. The lessor is XXXX XXXX XXXX XXXX XXXX. The lessor referred a debt associated with the XXXX lease for collection to National Credit Systems , Inc . The lessor says I am not responsible for the debt. We have provided National Credit Systems with copies of the leases and they continue to contact me for collection and they reported this as a debt owed to XXXX. I have filed a dispute with XXXX. Copies of the leases are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: LA

Complaint narrative:
selene finance had me on a trial basis home loan modification, and I paid all the payments on time that was XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, payments of XX/XX/XXXX-XX/XX/XXXX and when I got ready to pay XX/XX/XXXX, they said they couldn't take it because of some letter that they hadn't received, if they took my payments for 3 months over the phone why couldn't someone tell me about a letter that wasn't in my file, in XX/XX/XXXX I talked to a lady named Mrs , XXXX and she saw the letter that I had faxed and called another department and they made up some kind of excuse about the letter, and she no longer works in that department of course, so this pass Thursday a guy from the company calls me and says to sign and fax a letter XX/XX/XXXX and I could pay my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments but of course today I cant get him on the phone and their telling me my loan was not approved again, lies and more lies, they say they sent a letter about an income change and it was not an income change the letter stated that my home was 37 days to foreclosure and I couldn't get a modification ands why, o and the lady that Mrs XXXX talked to about the letter told her to tell me to just resubmit my application for a modification and they would re do it some more lies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Calls me 5 or more times a day. Threatens to sue me and having me arrested if I dont pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Since XX/XX/2019, I have requested financial hardship assistance from PNC Mortgage ( as I am officially the successor-in-interest in their files since my parents are deceased ). Going up to the last week of XX/XX/2019, they continuously state they require more files i.e. tax documents, profit/loss statements, paycheck stubs, bank statements. I attempted to contact my point of contact ; however, her voicemail stated she will be out of the office until XX/XX/2019 ( as I began calling at the beginning of XX/XX/2019 ). I made numerous phone calls and e-mails to PNC Loss Mitigation regarding my hardship assistance packet, and I was directed to 6 representatives each requesting documents/receiving documents. On XX/XX/2019, a demand letter was sent regarding the loans had defaulted and they require the whole payment of over {$2200.00} be paid by XX/XX/2019 or they will continue with the foreclosure process. Loss Mitigation contacted me days after stating that my financial hardship assistance case was closed, but they reopened the case because they required more financial documents. They did not send notification and give ample time stating they need my completed profit/loss statements calculated, and they also stated they did not receive my completed tax forms as I previously sent those documents in XX/XX/2019. 
During the last week of XX/XX/2019, I contacted PNC Loss Mitigation via phone and spoke to the same representative twice that week. They said they finally received my completed application ; however, she stated in both conversations the demand letter sent and the payment must be made in full by XX/XX/2019, or they will initiate the foreclosure process and attorney fees will be included. 
I have contacted the California Fair Housing Bureau as well and they suggested I contact the Consumer Finance Bureau due to unfair treatment. I have e-mailed my Loss Mitigation point of contact ( as she is supposedly back in office ) regarding these issues, on XX/XX/2019. I believe PNC Mortgage is conducting dual-tracking and misrepresentation which are violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have been a participant in the Public Service Loan Forgiveness Program since 2010. It is my understanding that my federal loans were recently transferred from XXXX to FedLoan Servicing.  However, FedLoan Servicing  never contacted me with details about this change or how I was to make payments. On XX/XX/XXXX, the day that my student loan was normally due, I received a notice from them that my loan had been transferred to them and to wait to hear from them. I went on the XXXX  website to make my monthly student loan payment nevertheless, having not been provided with any alternative payment instructions. XXXX declined to accept my payment and only told me to wait for FedLoan Servicing to contact me. Nevertheless, despite several attempts on my part to reach them to make my payments, FedLoan Servicing  has not responded to any of my attempts. I am extremely concerned that not only will this negatively impact my credit in the immediate timeframe, but it is also having a cascading and deleterious effect on the promised discharge of my student loans. In particular, I am concerned that by ignoring my attempts to reach them, FedLoan Servicing is adding late fees and interest to my balance, and extending the number of payments I must make to them before I will be eligible for forgiveness and discharge of my student loans. 

Would you please help me figure out why they are ignoring my attempts to reach them so I can make my payments? In addition, would you please help me make sure that they do not adversely penalize my account? Even throughout the government shutdown when I was not getting paid, I continued to put aside money to make my student loan payments. I would like for FedLoan to honor my payment arrangements with the Department of Education, accept my payments from the last five months, apply them as timely monthly payments made from XXXX - XXXX, and not charge me late fees or additional interest that would not have accrued had they been responsive. Moreover, I recently had my first baby on XX/XX/XXXX and I can not even reach FedLoan Servicing to adjust my income- based repayment now that my tax situation has changed. Having a newborn baby is stressful enough without FedLoan Servicing adding this completely unnecessary financial stress to our lives. 

I have attached the correspondence I sent to them. I sent the letter by fax on XX/XX/XXXX, and by certified mail on XX/XX/XXXX. 

Please let me know if you have any questions. Thank you so much. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Account No. XXXX RE : KIA Motors finance Retail Installment Contract XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear KIA Motors Finance, The confirmation notice dated XX/XX/2018 from your office cancelled ANY/ALL debt ( s ) and or payment installment contracts. The notice confirms that the debt has been paid in full. I have included a copy of the notice for your review. Please update your records as this information has been reported to the Consumer Financial Protection Bureau and a complaint has been filed. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: NV

Complaint narrative:
I reported to TransUnion that the account with XXXX XXXX XXXX has been paid in full yet they will not remove it.

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 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
ON XX/XX/2019 I RECEIVED A ELECTRONIC LETTER TELLING ME THAT THEY WILL CLOSED MY ACCOUNT ON XX/XX/2019 I CALLED BECAUSE I BELIEVED WAS A ERROR BECAUSE THEY NOT HAVE ANY REASON TO DO THAT. 
THE REASON THEY SAID THAT I USE MY ACCOUNT FOR BUSINESS, ADVISE THE CUSTOMER SERVICE TO REVIEW MY ACCOUNT BECAUSE I JUST USE THAT ACCOUNT FOR PERSONAL USE ONLY AND NOTHING ELSE THAT PAY MY BILLS AND DEPOSIT MY PAYROLL CHECK, THEY SAID THAT WAS THE REASON IN NOTES IN THEIR SYSTEM. I OWN TO THEN A LOT OF MONEY THIS IS NOT EVEN MAKE SENSE.

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 2019-04-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I reported to XXXX that the account with XXXX XXXX XXXX has been paid in full yet they will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I purchased the first vehicle from CARVANA LLC on or about XX/XX/2019 they sent me a 2015 XXXX Terrain when it arrived the gas tank would not fill up all the way. The battery would continuously die on startup. I had them replace it with their 7 day return policy. They then sent me a 2015 XXXX XXXX when I took it in for an oil change a severe oil leak was found. XXXX of XXXX NY found a bad O ring around the oil pan drain plug. Numerous dirty filters as well. I paid over {$200.00} which carvana claimed they would cover {$150.00} of. Now the car has become a serious safety risk after just having the used vehicle for just over 69 days. 
The vehicle refuses to accelerate upon entering the highway causing severe safety problems. 
The traction control light remains on affecting the breaking system The break lights remain on after turning the vehicle off. 

During purchase of the vehicle I was NOT offered an extended warranty after contacting Carvana LLC numerous times about these safety issue they had stated since I was outside of their XXXX  ( 100 day or 4189 mile ) warranty I was on my own. The supervisor XXXX did not and would not assist me. 

I would beg and plead for anyone reading this report to NOT purchase a vehicle from CARVANA LLC as their QC process is an absolute disgrace. Now I have to take the vehicle back to the mechanic and I was told it is most likely not covered under a power train warranty. This company has basically sold me 2 lemons and refused to assist me with this latest issue. I would advise anyone looking to purchase a used vehicle to go elsewhere as CARVANA LLC does NOT stand by it's customers even after just under 60 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I recently purchased a $ XXXX On XXXX using my capitalone venture one card to I receive the 10x points promotion/partnership and when I didnt I called them and they said it had to be booked through a certain website but that wasnt told to me when I called in XXXX and changed my credit card to that card in order to receive the card by the individual on the phone. This was very misleading and unclear as when I called a month prior to my most recent phone call I was told if it didnt appear I could receive a 1 time addition of points to correct the issue, but to wait until the end of this billing cycle when they told me that they dont support anything like that at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Hurricane Florance. 
SunTrust Mortgage offered us a 6 month deferment of payments due to our being desplaced from our home. Our agreement on the phone was simply to have the payments added to the end of the payment schedule for the existing loan. 
On month 7 we tried to make a payment and the bank took the payment but we later received paperwork from the bank for re-structuring our loan. A thing we did not want to do. It was explained over the phone that this was the way it had to be. We signed the paperwork and returned it per the instructions. 
The payment we made on month 7 was not credited to the loan but put into a holding place until the re-structuring was complete and we were told not to make any more payments until the restructuring was complete. We were not informed of that when we made the payment. The restructuring will include a new interest rate. Today we get a foreclosure notice if we don't pay the past months payments as well as fees, attorney fees, and late fees. 
We need your help to fight this company trying to take our home unlawfully. They won't take payments but they want payments. What they say on the phone is not backed up with what they mail to us. We are living in our home now. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Loan Number XXXX Home Preservation Client Representative : XXXX XXXX XXXX XXXX Ext. XXXX Sincerely, XXXX XXXX XXXX XXXX and XXXX 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