vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 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: CarMax, Inc.
State: FL

Complaint narrative:
On XX/XX/2018, in anticipation of paying off my auto loan with XXXX XXXX XXXX, I updated my address in their online account management system. On XX/XX/2018, I paid the balance of this loan on their online system. On XX/XX/2018 I still had not received my title in the mail. I called their customer service line at ( XXXX ) XXXX and was notified that my title had been mailed to the wrong address. I was placed on hold for over 30 minutes. The customer service representative acknowledged that the title was mailed to the wrong address. I was then told I would have to go to the DMV for my title. The customer service rep mentioned I would be " reimbursed '' but did not have any details regarding how this would be accomplished. It is my understanding that as the lienholder, they must be the ones to apply for the new title, so I do not know how I can get this from the DMV.

Considering how difficult it was just to get information from them on the phone, I do not have any confidence that I will be able to get my title or get reimbursed. Further, how will they reimburse me for the time I have to take off of work and the inconvenience of visiting a DMV? How will I be reimbursed for the hours I spend on the phone with this company? It is not my duty to obtain this title - they need to send it to me. They need to go to the DMV and sit and wait and waste all day and send my title to the correct address. Further, they are not taking any action regarding the fact that the title was mailed out to the incorrect address and could now be in the hands of the incorrect car owner. 

While on hold with XXXX XXXX XXXX on XX/XX/2018, my account was updated to reflect that I am owed a refund in the amount of {$2.00} since XX/XX/2018. This money has not been remitt4ed to me to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I put in a dispute with Citibanks credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised Citibank that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from Citibank to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why Citibank can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).

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 2018-08-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP
State: UT

Complaint narrative:
I recently applied to increase the limit of our exisiting HELOC at KeyBank. This was denied, but I was told the decision would be reconsidered if I transferred ( rolledover ) my IRA to XXXX XXXX XXXX Is it legal for them to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pono Ventures Inc.
State: NV

Complaint narrative:
XXXX XXXX ATT : XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , HI XXXX RE : Case # XXXX/Wage Garnishment To Whom it may concern, To date I have not received any documentation in regards to said debt that you are currently seeking wages for in the amount of {$4000.00}. My employer has allowed one deduction as I was completely unaware of garnishment. They will not be deducting any future pay checks as I formally submitted a dispute with possible fraud with corporate so you will not receive any further garnishment. I have also mailed a dispute to the Hawaii Small Claims courts. 
Ive searched Public records and was able to locate case that way, Im still unaware of what debt is for as there are no details. I would like to request the court order and proof of original debt. 
I am formally disputing debt and garnishment as I have not been served or on the island to even possibly show up to court to dispute anything in person for the last 2 + years. I was completely unaware of garnishment until XX/XX/2018. I request you provide proof of said debt and court order via email XXXX or to my mailing address of XXXX XXXX XXXX XXXX, HI XXXX. 

On XX/XX/XXXX a garnishment in the amounting of XXXX was taken from payroll was forced to resign due to unknown garnishment. 

Also " XXXX XXXX XXXX " is a dba for XXXX XXXX XXXX which is also a previous employer I feel it is a conflict of interest for agency to have even handled case due the fact they would have more privileged information then other collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: VA

Complaint narrative:
checking account was used in error for my XXXX truck payment of {$540.00}. I saw the overdraft fee {$36.00}. I held line over 20 minutes spoke to a female associate and her manager XXXX on XX/XX/18 st XXXX. Neither helped. I als spoke to a manager named XXXX at the XXXX, Va location today at XXXX wS no help. 
They can see this is a secondary account & this has never happened before. I also called the Corperate office and spoke to XXXX awaiting a follow up. If this is the way B.B. & t treats its long term customers, Ill clear my balance ; close my account. Ill never recommend family or friends to come here & report this to the news and social media.

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I used a bank of America atm to deposit cash/checks that needed to be in account before the next morning to pay rent, bills, ECT. I normally wouldn't deposit that much cash in atm but it was important it was in account immediately. 3 of the 4 atms were frozen and the atm I had used never disbursed a deposit slip after I deposited a check for {$220.00} And {$3200.00} CASH. Upon checking account again for my deposit I then received a debit card alert. I was unable to get ahold of anyone of the weekend and the usual verification text/email that I get to verify my account never came. I spoke to three reps on Monday XX/XX/XXXX and was informed by the final rep at XXXX that the atm i had used had a lot of fraud in the area and that is why I received debit alert. I was told my deposit would be disputed and investigated up to 90 days and I should be receiving my {$3200.00} CASH back. I decided to keep account with bank of America closed and opened an account somewhere else as they have been nothing but problems this past year I received notice that I have a negative balance of {$490.00} on my account which is false. Wht would I owe anything as I haven't used the account and they informed me checks from a catering job I had done recently were written on a closed account. If this is the case it is their responsibility as my bank to help me dispute these checks and protect me as a customer. They haven't done so. Now I am being told by my employer they are holding the funds of my direct deposit he has requested to be reversed. This is against the law as my employer should not be punished in any way shape or form for my account issues and if the account is closed they are to return the funds to sender. My employer paid me with a personal check up on reversing direct deposit and now he is out {$170.00} And I did not receive my paycheck this week because of this and still owe him for another 4 hours. Bank of America needs to own up to their mistakes and pay me and my employer back for this.

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 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Nations Recovery Center
State: KY

Complaint narrative:
I was contacted by Nations Recovery, trying to collect on a debt that they said was taken out with XXXX. The loan would have to be at least 15 years old, since XXXX closed their office in the town i live in at least 15 years ago. This debt has not been on my credit report for at least 5 years, which is when i started using the XXXX XXXX app. I don't have any documentation showing when the loan was taken out, and feel like it is outside the statute of limitations for Kentucky.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: MN

Complaint narrative:
They keep calling me on a debt that is past its statute of limitations. I told them that they legally can not collect and he said that I was wrong. He threatened to call me everyday until the debt is paid. After he yelled at me for a minute, I hung up. This is not the first time that have tried to collect this debt from me. It has been 14 years and a lien was never filed. I know my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: FL

Complaint narrative:
I have tried to get Experian to re-investigate a Ch.XXXX bankruptcy that is inaccurately reporting on my credit report. I have received numerous responses from the bureau stating that they did in fact verify this public record and they have not. The Courts have informed me that they did not, have not and will not divulge any information about a consumer without their prior consent. I called the courts and went there to see if i fact someone came to the courthouse to check on the accuracy of this public record and they have no record of someone coming in. Today XX/XX/XXXX I called Experians Fraud Dept and a rep told me specifically they verified my case at the courts through court records. I informed her of the letter that i sent to their offices which included the letter from the courts. The rep claimed to have seen this letter in my file while we were on the phone. I informed her that XXXX  XXXX ( which is who Experian stated they verified my BK thru ) no longer has this BK in my file. This is my second complaint about Experian. They claimed to have verified this Bankruptcy in XXXX, but XXXX XXXX has had my file updated since XX/XX/XXXX. I am currently being unfairly treated because Experian refuses to follow the FCRA and properly reinvestigate this public record according to their MOV. I have asked several times to be informed of who verified my BK, what company did they work for, what date they verified this BK, How they verified it and who assisted them with the verifiction. To no avail, I have still been unable to get anyone to assist me with removing this inaccurate information from my report. The rep informed me that they do not have to give me the name of the company verifying my information. This is illegal to continue reporting information that I am telling them is not mine.Even the address that the BK is showing isnt an address that is mine. This address was listed in a Identity Theft report from the police, stating it isnt mine. I can prove that this public record isn't mine because the Court rep showed me in her system that the dates Experian are using are not even matching what is showing in their system. Please help me get this worked out, I shouldn't be punished and denied credit all because this company doesn't want to reinvestigate.

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 2018-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I have been advised that each complaint for a company needs to be separate I spoke with cust service at Kohl 's about XXXX late fee waived due to holiday and question my new bill with late fee. I was told something gets added to the bal and because I pay too early I got another late fee. I have many brain injuries and pay according to limited income about XXXX of month. I never heard of such, normally if a late fee is waived after that deducted from what is due, that is what you pay. Person said to do what I needed to do. Their address is : po box XXXX XXXX, with XXXX ( kohls.com XXXX ) I would ask your intervention. Thank you XXXX. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a VICTIM of Trans-Union Inquiry Issue. I tried to talk to the Customer Service and the representative refused to take care of the negative inquires reporting to 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
Consumer complaint received 2018-08-31 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:
I put in a dispute with XXXX credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised XXXX that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from XXXX to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why XXXX can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).

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 2018-08-31 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Trying to get me to pay a debt that I do not owe. This debt is owned by another company and is past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XXXX of this year, I filed a complaint with XXXX  regarding a fraudulent charge on my Chase XXXX card. As a brief aside, the charge originated in XXXX of this year. I disputed this charge with Chase in XXXX and they rejected the dispute in XXXX. I appealed their decision as I had a receipt. Another month elapsed without meaningful progress or a coherent explanation for the rejection, so I filed a complaint with XXXX. Days later Chase accepts my appeal and permanently credit my account for the difference between the receipt and the charged amount. Before I can retract the complaint with XXXX, I find out Chase has closed the XXXX account and XXXX has removed the account entirely from my credit report. Chase argued this was my fault because I indicated the credit line itself was fraudulent. As you can see from my documentation, this is not correct. I have spent the summer speaking with the Chase employees below trying to reopen the account and restore the lost chase ultimate rewards points. I'm here because I think they are truly powerless to make this right but have resisted pushing this issue to someone who can fix. At one point, I gave up on this and simply tried to reapply for the card. The system wouldn't accept my application because it is still showing up on my account. The following is a list of people at Chase who I've spoken to this summer. 

XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
On XX/XX/2018 I was contacted by a male who stated he worked for loan care and then asked for my SS # and Phone password. I asked whom was calling. The individual then became rude and stated, " Ma'am I'm calling from your mortgage company and I'm pretty sure you've had to answer these questions before. What is your SS # and phone password? '' I replied, " No sir I have not had to answer these questions before and I'm uncomfortable giving out that information without knowing what this is about. '' He stated, " You can call back and get the information. '' I immediately went online to view my mortgage status as I believed the gentlemen to be a scammer based on his general rude and demanding demeanor. Not to mention I have never been contacted by mortgage company via phone before. I have always made my payments online and on time. Any prior communication via phone as been initiated by myself. 

Upon reviewing my account I noticed it showed that I had not yet made my XX/XX/2018 payment. I have attached both a copy of the email from my mortgage company, Loancare, and my bank statement showing that I had made my XX/XX/2018 Mortgage payment and it cleared my bank account XX/XX/2018. I would like to also point out that on Loancare 's email they have me making a payment of {$1500.00}. However, you can see by my bank statement that the payment made was in the amount of {$1300.00}. 
The difference in actual paid amount and what email Loancare is further evidence of Loancare 's deceptive trade practices. 

I called to find out what was going on and was told that I was a month behind on payments. As I spoke with the gentlemen reviewing my account he told me I never made a XX/XX/2018 payment. ( please see my bank statement as proof of XX/XX/2018 & XX/XX/2018 ). I tried to have the company review my account. However, each individual I speak to continues to read only what they see right in front of them instead of reviewing my account realizing their error. 

I need immediate assistance as this company is getting ready to put this bad review on my credit report. Any help would be greatly appreciated. 

Thank you, 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
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
I contacted Walmart ( XXXX ) because my new bill has fees/interest on it, saying the late fee I rec 'd due to holiday in XXXX was waived and I paid minus that {$70.00}, and can not understand more fees/interest. I was told, again, something is put on the balance increasing next month 's pymt plus because I only pay minimum they added interest. I said paying minimum is legal, I am unsure of what your doing or if it is legal. The woman said I pay too early and get late fees. I pay all bills around the XXXX with limited income due to XXXX XXXX. She said it reflects my billing cycle the XXXX. Again, I was advised to do what I needed to as they want the amount being charged. I seek your intervention with this. Thank you XXXX XXXX ( XXXX ) Walmart.com XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to the Consumer Financial Protection Bureau in regards to Transunion 's Inquiry Issue. I have tried to reach out Transunion Credit Bureau on this situation and in regards to the rude employee they refused to address my situation as I am a VICTIM of their said Inquiry Issue, They also refused to delete the hard inquires. And all I ask is for them to take responsibility and do the right thing.

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