vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a 90 day fraud alert because my ex lives with me. I was told to put this on all three so that if he tried to get credit I would get a call at the number provided when I initiated the 90 day fraud alert. It seems like XXXX XXXX XXXX XXXX in XXXX mass and capital one in XXXX Virginia did a hard inquiry via what I see through XXXX XXXX and when I asked XXXX why they didnt call XXXX said they technically should call because they see the fraud alert but they dont have to? Are you serious! Then why is there a fraud alert on there if companies ignore it. If something is not done to reverse this because I know I didnt get calls from either company yet they do know about they alert theyll be going to court. I got letters saying I was denied which hurts my credit when if they called seeing the fraud alert they couldve avoided this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/XXXX bank of America charge me XXXX for interest and late fees i try to contact them for almost a month but the customer service is always busy i need to wait more than one hour still nobody answer on XX/XX/XXXX i got the another statement they charge me another XXXX dollars for interest and unknown fees even i pay it in full still charge make me frustration how they count the fees

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 2018-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: MARINER FINANCE, LLC
State: AZ

Complaint narrative:
On XX/XX/18 I contacted Mariner Finance in writing due to the incorrect item that is being reported on my credit report. I formally disputed the item in which they are reporting due to the wrong amount owed, and I do not recall getting a loan with this particular creditor. However, I did not receive a response to my dispute ; nor was my credit file updated to reveal and indicate that I disputed the item that is being reported.

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I placed an order for a XXXX Lift Trunk Small Coffee Table and the Parquet : Coffee table on XX/XX/XXXX and requested a cancellation of the order on XX/XX/XXXX. Commenity Bank was very slow and unhelpful in moving forward with a refund. XXXX XXXX finally successfully processed the refund, but Commenity Bank has been unnecessarily difficult in getting a refund check and it has been a month since my last conversation with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brennan & Clark, Ltd., LLC
State: NC

Complaint narrative:
The company keeps calling me all over and over again. Ive told them to stop calling even sent them a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
I originally had a loan from XXXX and this past spring I looked into loan forgiveness because I am a XXXX XXXX. I applied to what I thought was a federal program and somehow XXXX XXXX has acquired my account. I am not sure how that happened, what they are charging me if there was a fee to switch which I had no intention of doing, I was just answering qustions mailed to me. I thought I was getting loan forgiveness but apparently I did not get loan forgiveness I got a new lender instead.In XX/XX/XXXX I recieved an email that i was a few weeks late on my payment so I paid that along with XX/XX/XXXX. I do online banking so I see when it when out and when it was cashed which was on XX/XX/2018. They sent me another email after that stating i was even more late so I emailed them via their website and received no response. Today I got another email from them stating that I am evn more late so I called them. They said they have nothing on file that I paid and they did not recieve my email. I then asked for a direct email so I would have proof, the rep kept arguing with me to just use their site and I refused since I had used it and thwy have no record of it. I have proof they cashed it and I have a confirmation number. They need to fix that and not ruin my credit and they need to be investigated for ilegal practice of aquiring accounts. They have 666 complaints on XXXX about collection practice and a F rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I submitted dispute through credit bureaus and they advised the debt was not mine. Then I contacted company via telephone and advised them that the debt was not mine and they advised me to file a police report, verified my address and updated it in there files. Not sure how to file a report on something dated XX/XX/XXXX,XX/XX/XXXX. Then I sent two validation letters to the company requesting validation of debt, one XX/XX/XXXX, one XX/XX/XXXX and I received account summary report which is not validation/proof that I obtained the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with XXXX ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had lived in XXXX since XX/XX/2015.. And I had noticed that someone had used my information and opened up bunch of creditcards. 
These accounts are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity Investment Credit Card charged me a higher interest rate than what was agreed on for a promotional balance transfer transaction. This higher rate started in XX/XX/XXXX to XX/XX/XXXX. They added an additional 6 %.

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 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with HSBC ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
I had a loan with Consumer Portfolio Services for a XX/XX/XXXX XXXX XXXX. I lost my job and the car was repossed on XX/XX/XXXX. The car was sold at the auction for {$7700.00}, and the balance of {$7000.00} was applied to the balance of the car. 
It is showing on my credit report as I owe {$14000.00}, and that I am passed due {$6300.00}. I have called and was told that the payments continued to calculate even after the car was picked up and sold. I have asked that this be removed and that we work out a payment plan for the {$14000.00} and get no 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: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: CA

Complaint narrative:
This bank stole my OWN BILL PAY CHECKS. Put the money into my account and then a hold for unknown amount of time AFTER IT WAS ALREADY IN MY ACCOUNT. THEY ARE CHECKS TO ME, FROM ME, FROM THIS ACCOUNT. They took the money back out of my account and overdrafted my account INTENTIONALLY. THEY DIDN'T EVEN ALERT ME THAT THIS WAS BEING DONE. I was using my debit card and it kept getting declined. As evidence of my story, I do not have overdraft protection on my account. These charges were made today, when I had the money from the bill pay check deposits. My card would have been declined if there was no money in my acvount, then taken back out as I'm saying. They put the money in, then claim they put a hold on my money. Almost 3000 dollars. It isn't a small amount.

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 is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one credit offered XXXX XXXX XXXX. I downloaded there service over a year ago. TO my surprise, the credit scores they give me do not match XXXX, XXXX or XXXX. I am told my credit scores should be XXXX but during a recent auto loan, I was told XXXX? Capital one XXXX XXXX  is misleading. They are not reporting the credit credit scores. Credit wise may be using a 3rd party reporting but they do not disclose that information on the scores showing on the mobile app. Very misleading. WHY PROVIDE MOBILE APP XXXX XXXX IF THE SCORES DO NOT MATCH XXXX, XXXX, OR XXXX? These are misleading factors. 

Therefore, XXXX XXXX is not a true link to the credit reporting agencies. FRAUD on Capital one. 
XXXX XXXX IS ONLY advising of the possibility of your credit but are not linked to the reporting agencies for FICO SCORES. Once again FRAUD for XXXX XXXX.

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 — Account information incorrect
Company: Credit Plus Inc
State: NE

Complaint narrative:
I'm a couple months into trying to finalize buying my first home. The mortgage company wants to know about the charge off student loan for {$11000.00}. So we do a Credit plus conference call on XX/XX/XXXX with XXXX, they state they have the loan in there office but now we are sending it to XXXX XXXX XXXX for XXXX. They give me the info and I call the firm the following week and they don't have anything still to date XX/XX/XXXX. We do another conference call on XX/XX/XXXX with XXXX XXXX XXXX and they state the account balance is XXXX and it had been turned over to XXXX XXXX for {$20000.00} in XX/XX/XXXX. I demanded full loan Documentation and I got a credit application with my signature on it. I asked for other documents and got nothing. I know this loan has been transferred numerous times to various companies. I had been getting threatening phone calls and harassment months before I filed a Ch XXXX in XX/XX/XXXX when it showed up on my report as a charge off. I'm under the assumption that this debt has already been claimed on someone's taxes as it showed up as charge off on my credit report. Possibly Double dipping?

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: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. 

I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). 

Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. 

I would appreciate your help. Thank you.

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: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I turned in a complaint on XX/XX/2018 about Wells Fargo foreclosing on my parents home. I know they say it could take up to 60 days. My mom signed the third party paper for them to talk to me about this. I have talked to XXXX twice now and when I ask question he has no answer he says. I get letters in the mail that he needs more time. I dont know if he is really working on our case. I feel he is prolonging this so I dont hire an attorney. I have questions of why Im next of kin when my dad passed and I was never notified and why the VA took my dads name off the loan? When I called the VA they had no record of my dad just my mom. Also want to know why no one served my mom even letters on the door or served her or anything and its been a month in a half. Again I feel we are getting the run around. Also want to know what happened to the difference in monies that was made off there house when Wells Fargo sold it XXXX and some change. Thats the problem with this hole issue. I know I put the name XXXX in my last complaint but actually it was XXXX that I dealt with. I think its time to go public and get a hold of AG of US to get some answers. I have been very patient with Wells Fargo and Im tired of this. They dont take their time to put a XXXX year old woman on the street. I think this is wrong and discrimination and I want some answers. I will also be getting a hold of the CEO of mortgages at Wells Fargo and the news. Thank you for your time and I hope to hear back soon.

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: 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: TX

Complaint narrative:
Equifax.l not reporting credit balances in a timely manner, called on XX/XX/XXXX to get help and XXXX XXXX Resolution supervisor on XX/XX/XXXX, XXXX wasnt helpful and put me on hold for over 10 minutes! Im still on hold AS I FILE THIS COMPLAINT. He kept blaming the cc company on not reporting my balances when thats incorrect. We have this issue every month!

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: 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: GA

Complaint narrative:
XXXX, Experian and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, 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 2018-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days

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: 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: TX

Complaint narrative:
inaccurate information reported to all 3 credit bureaus, submitted ftc and po reports already, over 45 days

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MNE Services, Inc
State: AR

Complaint narrative:
XXXX AND XXXX RIPPED ME OFF FOR {$3800.00}. THEY ARE FRAUDULENT LENDERS FROM XXXX-XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MI

Complaint narrative:
Interrest rates are too high origainal loan {$1700.00}. The loan is up to {$2100.00}. I have been paying on this loan for 4 months now. {$440.00} every 2 weeks. I called XXXX XXXX site they told me only {$8.00} a pay went towards the principle the rest was all interest. So now I am going to just pay the whole loan off with my next pay.

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 — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: The Schreiber Law Firm, PLLC
State: AR

Complaint narrative:
XXXX/XXXX/XXXX RIPPED ME OFF FOR OVER 6342.000.

Company response to consumer: Untimely response
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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.

Company response to consumer: Closed with non-monetary relief