vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: TX

Complaint narrative:
I attended a school by the name of XXXX XXXX XXXX in XXXX, Texas ( XXXX XXXX XXXX ) that was closed in XX/XX/XXXX due to financial aid fraud. I graduated but due to the national scandal that was uncovered by the state of Texas and US Department of Education, that cerificate is not honored anywhere, and it's personally wrecking my life by attacking my credit. I have tried since then over the last nine years to get this removed from me and was just made aware that President Obama signed a law that loans of this type were supposed to be wiped out. If I can get some help to make FED Loan Servicing cooperate with me to get the XXXX portions of loans removed, that would change my life. I attended the school from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: AZ

Complaint narrative:
Was making payments monthly. Was never given another bill hence didn't pay and didn't think any other amount was outstanding. Never received another bill or invoice nor any document indicating further attempts to collect debt or pay bill otherwise would be sent to collection. Never obtained even 1 bill or invoice from this collection agency. Only now saw it showed up on my credit report XXXX XXXX XXXX/CAPIO XXXX XX/XX/19 XX/XX/19 / {$1100.00} XXXX {$1100.00} XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I signed up for a Chase Sapphire Checking Account with a promotion that I would earn XXXX Ultimate Rewards Points upon Qualifying activity, but they did not honor this promotion. 

Upon opening the account, I was informed the promotion had changed to {$750.00} ( not XXXX points ). There is a value difference of {$370.00} here. I spent hours on the phone trying to resolve in XX/XX/2019 and was told there was nothing anybody could do. 

On XX/XX/2019 I still had not received any promotional value, so I called Chase. 

Qualifying criteria was a {$75000.00} deposit. I made this to a linked investment account. However, the representative told me this was not a valid way to receive the promotion. The terms and conditions of the promotion indicate otherwise ( quoted below ). They were unable to resolve. 

The promotion criteria reads : " Within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 XXXX credit card accounts were subsequently transferred to Cavalry Portfolio Services for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The XXXX cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

Knowing that these accounts had been charged off by XXXX and now had a XXXX balance I contacted Cavalry Portfolio Services on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these XXXX cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the Cavalry Portfolio Services representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2015, I purchased a XXXX XXXX XXXX for {$36000.00} financed by Capital One Auto Finance with 15.10 % APR. I admit I was late 3 times due to illness and loss of employment in 2015. Since 2015, my payments were divided into 2 installments every week by direct withdrawal. This year, I decided to purchase another house. To my surprise, Capital One had reported my car payments being more than 30 days late 22 times. They received payments from me every other week as arranged via automatic withdrawals. I called Capital One numerous times, disputed this with all of the credit bureaus but Capital One will not bulge. I had paid late fees 22 times as well. When I call, I am always given a script. " The status of accounts is automatically reported at the end of the month. My payment was due on the 24th of the month. There is supposed to be a 10 day grace period which would extend beyond the end of the month, if that is so, how can the account be late if that was the case? Also, that is not more than 30 days late. No one can assist me or a willing to assist me. A couple of weeks ago, I was pre-approved by Capital One for another auto loan for {$35000.00} for 11.1 % APR. I needed a new car. It was impossible for me to obtain financing on my own even with my 6 figure income and proof that my payments were not late 22 times. I had to have a co-signer to be financed by another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and XXXX XXXX failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for XXXX XXXX to comply with the Law and take this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have not received any confirmation on how you have verified the alleged accounts attached in exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my and which I would gladly present in court if need it be as evidence of my trying to rectify subterfuge that you are reporting. **** ( copy from affidavit ) ****

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 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: IA

Complaint narrative:
I see that you have similar complaints over bills for purchases not made. I have been hassled for payment. I asked a bill with the alleged purchases made. I was told purchases were made in the last 3 months for a card I never activated. 

I have received the bill but no detail listing of charges as requested. I can not access the account on line.

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 2019-10-26 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: The CMI Group, Inc.
State: NC

Complaint narrative:
Fraud Collection Scams : I received collection notice dated XX/XX/19 from suspicious collection agency for XXXX XXXX XXXX in the amount {$270.00}. Notice has residential address incorrect, although postal service delivered to my current mailbox. Incorrect address on collection notice : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. This is not my address. 

Issue is this notice is invalid, and I should not be receiving. I moved XX/XX/2019. Prior to my move, I telephoned cable provider ( XXXX ) requesting my account be closed. I had returned all XXXX equipment. I asked if any balance was due, owed on account. XXXX Customer Representative stated my account had {$0.00} balance, and I owed nothing further on account. Phone call ended. 

I have concern for fraudulent collection scams, abuse and misuse of personal identity information to create false collection. 

Received collection notice from : Credit Management, L.P. ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TX XXXX ; Phone XXXX, Client # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have filed 4 separate disputes starting on XX/XX/19 again on XX/XX/19, XX/XX/19 and XX/XX/19 with XXXX regarding this account that is from a debt collector credit systems. I have asked for written information regarding the account and have not received any thing from either XXXX nor credit systems. Action has been taken only by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: MS

Complaint narrative:
I have called XXXX XXXX XXXX and waited for a correction of my bill as of today 's date I have not heard back from them. They would continue to hang up the phone and act like you never called to deal with the account as of today 's date I received notice from a collection agency in the name of Sunrise Credit Services for the amount of {$990.00} but how can I pay you when my account was never fixed and how can I pay you when i am waiting on a final bill and how can I pay you when your staff continues to hang up the phone or put me on hold for long periods of time for more than 2 hours I have been on the phone sometimes for 8 hours in one day and still nothing resolved and when you call back the next day its is like  nothing is pending and no record of you ever calling XXXX XXXX XXXX they have extremely terrible customer service that is affecting their business and the service is expensive paying for services that the customer is not receiving due to constant system upgrades.

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 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I ( we ) decided to use XXXX XXXX XXXX ( XXXX ) to consolidate our credit card debt. This debt involved 5 credit cards totaling {$32000.00}. As part of this process, we agreed to stop paying our debt directly to the credit card companies to allow XXXX to negotiate a reduced amount. Our 2 Citibank credit card accounts were subsequently transferred to XXXX XXXX XXXX for collections. Additionally, in XX/XX/XXXX, we signed an agreement with XXXX 's sister company XXXX XXXX to pay off all of the credit card debts, pending targeted negotiations. The Citibank cards were then paid off by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. 

Knowing that these accounts had been charged off by Citibank and now had a XXXX   balance I contacted XXXX XXXX XXXX on the morning of XX/XX/XXXX. When I spoke to customer representative, XXXX XXXX, I confirmed that not only did these accounts had a XXXX balance but that my name is not even tied to the credit card accounts. This info is critical because these Citibank cards are still on my credit. If my name is not associated with these cards then it should not be included on my credit report! When I asked the XXXX XXXX XXXX representative to report this information to the credit bureaus, he referred me to his supervisor. The supervisor emailed me attachments of the satisfaction letters from both accounts. As further evidence to support my claim, my wife 's name is on both these letters and mine is not present. The supervisor could not guarantee that these accounts would be removed from my credit card report nor did he refer me to anyone else in the company that could handle my concern. Currently, these credit card accounts are still on my credit report. Please help remove this injustice from my credit report so that I can improve my credit score. Thank you!

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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: DISCOVER BANK
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/2018 FOR 30 DAYS LATE???

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019 I paid for a service that I never received. It was for an event, and two separate charges were made. {$4900.00} and {$9900.00}. The seller reached out to me and told me they were unable to provide the service and will refund me. When that did not happen, I disputed the charge through my Discover credit card. During their investigation, they reached out to XXXX, who was the merchant account for the seller, and requested information. XXXX send them a receipt that verified the charge was authorized. As I explained to Discover that I have never denied the charge was authorised, my complaint was that I never received the service I paid for. They requested additional information from me, but I could not reach the seller. I explained everything over the phone and they continued the investigation. Based only on the receipt they received from XXXX, they closed the case against me, in favor of the seller. I contacted them right away, within one or two days and asked them, what kind of documents do they need to reopen the dispute. I was told, they needed a written confirmation from the seller, that they have not been able to provide the service and that they have the intention to refund my Discover account. 
After I provided exactly what they asked for, I was told the billing department can not issue money, based on an internal review, and the case can not be reopened. 
My take from this is that, during the initial investigation, they did not do their due diligence and relied only on a receipt which only proves I authorised the charge. Only after the initial dispute with their arbitration was closed, they told me what documents they need from me as a proof and once I gave it to them, They told me there is nothing they could do anyway.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I Sent 4 requests for a signed copy of contract along with a request for accounting based on XXXX XXXX accounting practices. 
I have received neither. There is no debt and Capital One failed to prove a debt exists. I have an unrebutted affidavit of XXXX balance. 
My credit has been affected and they keep ignoring me and have filed a lawsuit. I ask for Capital One to comply with the Law and take this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 FOR LATE PAYMENTS??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
on XX/XX/XXXX I was involved in an auto accident that as a result of the negligence of the other driver i was injured and my car totaled. Prior to that I was never!! late with payments. The insurance company paid more than XXXX to American Acceptance Credit corporation for my can o ( they are the finance company ) I do also have an attorney and we are suing the driver. I have constantly communicated this with ACA and they have now turned into the most aggressive collections agency ever. rude, harassing to the point I had to change my contact phone number on the account to a dummy number because they would call 5-8 times per day! My attorney got involved and the amount is being included in the suit, however American Credit now reports the payments 3 times per month on my credit report and un willing to negotiate any terms other than 30 days then listing as settled. This is a blatant attempt to extort. My score decreases ore than 22 points each time they post this and now its so low I cant get another car. It took me 3 months to have the update the account as they continued to report late and the outstanding bal was still more than XXXX even after posting the payment from insurance XX/XX/XXXX! This is extortion, in accurate, unprofessional and now I have to wait for my settlement to pay off all debit and hope for a huge score increase to buy a new car!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation