vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a capital one credit card in XXXX of 2018, to this day XX/XX/2018 all 3 of the credit bureaus do not list this account on any report.. I have contacted capital one bank about this they have told me the information was sent to all 3 of the credit bureaus, i.e., XXXX, XXXX, XXXX on XX/XX/2018, as of this Day XX/XX/2018 the credit bureaus say they have nothing?? I went through a chapter XXXX Bankruptcy " Due To Medical Bills '', I have since been Rebuilding my credit, and this missing account that is not appearing on my credit reports is hindering my success at rebuilding my credit reports and my scores.. " All I'm asking is that Capital One Bank report my current account with the Credit Bureau 's '' ..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI

Complaint narrative:
In XXXX, we returned our lease vehicle to XXXX  XXXX XXXX XXXX ( RI ) that was leased through Toyota Motor Credit Corporation ( TMCC ). A few months after turning in the vehicle and being told that because we were leasing another Toyota vehicle we would not be charged any wear/tear fees, we received an invoice for {$720.00} for wear/tear/tax and other miscellaneous receivables. We fought this invoice but ended up paying the {$720.00} through XXXX XXXX XXXX and that check was cashed on XX/XX/XXXX. A few weeks ago I was contacted by XXXX XXXX XXXX stating that I owed an outstanding balance of {$260.00}. I advised them that I had cleared up my balance with Toyota and requested a copy of the bill they claim I owe. I received a " Validation of Debt '' from XXXX XXXX with a letter from them stating the balance they claim I owe and a copy of the {$720.00} invoice ( that was already paid ). I spoke to representatives at both XXXX XXXX and TMCC and neither company could verify this amount in their systems, TMCC representative XXXX on XX/XX/XXXX stated he was unable to see this remaining balance in the system and the only amount he could see was the {$720.00} that was paid. I advised both companies that I would pay the invoice if they are able to provide me with an actual invoice outlining what the charges are for. I have requested XXXX XXXX to cease and desist contact with me and my relatives and will be sending a letter to TMCC demanding a letter stating that my account is paid in full and no future collection agencies will contact me, and to update my credit bureaus, if in fact this was reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Circle Internet Financial

Complaint narrative:
I am unable to verify My id to withdraw my currency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have no debt and never had debt. Nonetheless, Portfolio Recovery Associates, LLC, keeps calling me everyday on my cell phone about somebody else 's debt. I do not know who this person is either, and telling them to take my phone off their robocalls has had no effect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This company has a number of accounts they have been contacting me about. The accounts have my name but I have contacted the banks who issued these credit accounts but the banks verified the social security number does not match my social security number. I have contacted this collection company via email, fax and US mail alerting them to this. The company responded to two of the accounts after I filed disputes with the three major credit bureaus and closed those collections because the credit bureaus were able to match the social security did not match. This collection company has four additional accounts open in collections that are not mine. After alerting this company of this they refuse to verify the social security number and continue to contact me via numerous phone calls and mail. XXXX XXXX XXXX have contacted me from thirty-two different phone numbers over the past four months. Even after being contacted that these accounts do not belong to me and to please verify the social number they have refused to listen to me and continue to harass me. They have also filed two civil actions in court under my name but wrong social security number.

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 2018-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XX/XX/2017, I made a late payment on my mortgage to M & T Bank. It was not yet past 30 days, but it was late. I paid via my online checking account from XXXX. I entered the wrong address for M & T, and the check was sent to their office in Texas. The money immediately left my checking account, so I figured they received it. They never did, so I had to cancel the check from XXXX, and I re-sent the payment online, this time on M & T 's MyMortgage website. At this point it must have been past 30 days late. When I spoke to customer service, they said they'd charge the late fee but it would not show up on my credit report. 

Now, almost a year later, a mortgage broker pulled my credit and it's showing up as a negative mark on my credit report. M & T says they can not remove the negative mark, that I have to file a dispute with the credit bureaus.

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 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KS

Complaint narrative:
We fell behind on making payments with the company since I am only paid once a month now. We have informed the company that we can only make payments once a month and will eventually get caught up. The have called my husband 's work multiple times even after he told them to stop calling because he can not take personal calls at work. The woman he spoke with today threatened him and said she would call his work everyday until we are " caught up on our bills ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 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: Navient Solutions, LLC.
State: MS

Complaint narrative:
Graduation 2006. $ XXXXdebt/Flooded in Katrina . Home flooded, my wife and children had to relocate/join me in TN. Have aggressively paid Loans. We Question how Principle is applied, the 10Year Forgiveness Program, and Income-Based Exclusionary Loan Forgiveness Program. Responsibile Good Stewards of Loan Repayments. Countless phone calls, begging, seeking Resolution. 1st complaint XXXX. The process restarts with a new high school graduate, Been unable to contribute to a college fund. Navient is Criminal and Stifling in its Loan Practice. MS Navient Lawsuit/Attorney General XXXX XXXX. Balance- {$19000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC
State: TX

Complaint narrative:
Credit Service Company Inc. 
XXXX XXXX XXXX XXXX  XXXX CO XXXX Sent me a debt collections bill. I called and I told them that I had already paid that bill and I could prove it because the amount was removed from my bank account. 

They sent me another bill in the mail. I called them again. They said I needed to pay them within 24 hours or they would hurt my credit report. 

How dare they attempt to extort and terrorize me in that way. As if I could ever get my money back when they determined they were in error. 

P.S. I do have proof of payment and I can provide that as needed.

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 2018-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife had a social security payee account with chase her mom was the payee on. Her mom was not allowed to use the account aside from giving my wife her payment, however she used it is her own personal account and over drafted it so badly repeatedly it hit - {$270.00}. 
In response to this chase pulled the overdraft out of my joint checking account I share with my wife despite the fact she has no access to the payee account her mom had been using illegally. We contacted chase snd they refused to refund us the overdraft on the grounds the payee account was in my wife 's name despite the fact my wife had no access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
XX/XX/18- 3 phones calls between XXXX and XXXX. The first 2 calls I did not answer but on the 3rd I picked up thinking it might be something important. The female who would not provide her name, just that she was with Common Wealth Financial. After giving the company name she hung up. When I called the number back XXXX answered and said this was about a debt but first he must say legally this is an attempt to collect a debt. He DID NOT the mini-miranda This is an attempt to collect a debt. Any information obtained will be used for that purpose '' XXXX never provide the name of the creditor just that it was a medical bill, the amount owed and said he would just send a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies regarding identity theft. I have yet to have my dispute resolve or any feedback regarding this matter and its been well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Avid Acceptance, LLC
State: MO

Complaint narrative:
My payment is behind not even a full month and I asked Avid Acceptance to stop calling my job because personal calls are not allowed and XXXX XXXX continues to do so.

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 2018-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XX/XX/2005, I took out a HELOC from XXXX XXXXXXXX XXXX. For a loan up to {$51000.00}. We did not spend or use that amount. We don't know the exact amount when the loan was sold to XXXX XXXXXXXX XXXX. Then the loan was then again sold another company and the amount kept increasing. When loan was transferred we never received any information, we couldn't get access to our account. It took approximately 10 years for them to file a foreclosure. With no contact between back then and now. From transferring the loans several times to current account. The amount has changes astronomically in numerous ways. Each company has a different amounts. We are currently in the process of refinancing the house but we need more time to stop the foreclosure. We are also trying to figure out how a HELOC loan such as ours can slip through the cracks and not get any information remotely close to trying to collect a debt years ago and going straight for foreclosure. Had we had proper notification we could have prevented this stressful situation and remained in good standing.

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 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I received a phone call from XXXX - Contingent Account Resolution - Mediation Services today on Wednesday, XX/XX/XXXX. " XXXX '' stated she was calling about a debt that went into collections in XXXX for an account with HSBC, with a balance of {$1600.00}, and they will do settlement for {$990.00}. Also that they have sent notices to me. 
She said that HSBC has filed a civil suit against me and that I have a choice to either resolve or dispute, that I have to make up my mind " now ''. She said I have to get a lawyer to dispute, and that HSBC will put a new collections on my credit card ( which I don't have ) and a possible lien on me. 
This is crazy! She said it would do me no good to contact HSBC to find out what they are talking about, that they are processing against me. 
I have not had a HSBC account since before XXXX XXXX took over their accounts back in XXXX or something like that. 
Plus, they new my name, address and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
In XX/XX/2017 my credit was ran 4 times without my approval for a car loan within a 45day period.My credit was ran In one, I did not approve of it nor did I know that my credit was being ran that many times.This has lower my credit a lot!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi I am submitting this complaint regarding inaccurate information on my credit report from '' EXPERIAN " Most of the account does not belong to me and was opened when i was a minor, these accounts are inaccurate fraudulent, misleading and hurting my credit scoring and effecting my financial ability. and also keeping me from getting good opportunity out there like getting student lone, car loan and other credit card, and my personal information are also inaccurate like my name ETC.Most of these account went into collection and my bank account are in danger of being freeze .these negative information only showing on Experian none of the other agency are reporting any negative info I think its very irresponsibility of EXPERIAN that they have not taken any action on my so many requests, I hope Experian will take action this time

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 2018-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2018, My wife & I been in XXXX XXXX XXXX test driving XXXX. First we were thinking about buying the car, and a Trade-in option came to the discussion for just five minutes, then we took it off the table when the dealer offered us a very low price for the trade-in. for the next couple of hours, we were discussing buying and leasing options and prices until we agreed on a specific lease monthly payment of $ XXXX/month for 39months ( after taxes ) with {$0.00} down. 
During signing the contract, the financial manager kept repeating there's no trade-in, this will make everything faster. but when we went home we noticed that they mentioning a trade-in at the amount they offered, but they wrote N/A in the make, model, year, VINsections. 
Two days later, the dealer called and asked me to go back under false pretense as he said that they found better bank approval and we will need to change the contract, but when I went there, he told me that there was a mistake in the contract and the whole calculation, and he admitted it's their mistake because they forgot to remove the trade-in from the computer when they were quoting us, and all the calculation were based on that trade-in. And now they are trying to blackmail us by threatening to take back the car if we dont agree to re-write and re-sign the contract with {$100.00} increased monthly payment. 

Original sticker price : {$41000.00} They add things like interior and exterior protection for {$4000.00}, claiming that they cant remove it from the deal, but we were able to negotiated off the amount. 
Final amount after negotiation was : {$39000.00} ( including {$1100.00} for the extras they force on the deal )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Butte County Credit Bureau
State: CA

Complaint narrative:
I have tried calling the collection agency trying to get some things on my credit fixed and twice a rep. by the name of XXXX answered and was extremely unprofessional, rude, combative and bad tempered. I tried asking her some questions but she wouldn't let me speak and she would just respond with she doesn't have to let me speak, so I asked for a supervisor and she refused she said there isn't a supervisor and hung up on me. I have repeatedly tried to get more information on these bills and I get absolutely no where. Butte County Credit Bureau is a HORRIBLE company, treating people so poorly and disrespectfully is not OK in anyway shape or form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had filed a complaint with the CFPB towards PayPal regarding a charge back which took place to my account in the amount of {$17000.00} on XX/XX/2018. The response from XXXX XXXX of PayPal is attached. Part of the letter reads, " On XX/XX/2018, PayPal received notification that the buyers credit card company was continuing their chargeback for {$17000.00} as their card member provided documentation indicating that you promised a full credit for malfunctioning computers and wrong power supply / plugs received. '' That is 100 % false. I 100 % without question did not permit/allow any debit to take place from my account. PayPal did not at all act in good faith because they never questioned me about that. Instead, they simply believed what XXXX had told them and allowed XXXX to pull all of the funds from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I called my institution Pen Fed located in Nebraska and requested money transfer to XXXX XXXX University. On XX/XX/2018 I was contacted by the financial aid department at XXXX XXXX University which stated to me that the wire transfer has not been received into my student account at XXXX XXXX XXXXXXXX. Mr. XXXX XXXX from XXXX XXXX University called on XX/XX/2018 at XXXX Central Standard Time to notify me of money still has not been received in my student account. When I spoke to XXXX who taking the request Per XXXX XXXX XXXX to wire money into my student account left the same day as another check sent by via mail to a storage facility. This left me XXXX in my account after the XXXX hundred dollars was subtracted out of my account Per : XXXX ( Pen Fed Credit Union ). 
The account that the funds were to be distribute to was XXXX XXXX XXXXXXXX Routing Number XXXX Account Number XXXX Student Account is my cell phone number XXXX Address XXXX XXXX XXXX XXXX XXXX AZ Per Mr. XXXX XXXX who gave information to XXXX at Pen Fed Credit Union

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