vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
PHOENIX RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX PLACED FOR COLLECTION XX/XX/2019 OF BALANCE XXXX. WAS UPDATED AGAIN ON REPORT ON XX/XX/2019 WITH ORIGINAL AMOUNT BEING XXXX I DISPUTED BALANCE OF NOT OWING ANYTHING. MOVED OUT WHEN LEASE WAS OVER WITH NO BALANCES. OWNER WAS AWARE. COLLECTION COMPANY TOLD ME THAT DEBTOR PRESENTED INFORMATION STATING I OWED BUT NEVER PRESENTED IT TO ME AND TOLD ME THAT I MUST OWE BALANCE. NO LEGITIMATE REASON GIVEN AND NO PAPERWORK TO SUPPORT ARGUMENT ON THE DEBTOR BEHALF

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
I'm in my late XXXX XXXX and have had excellent credit all my life up until this year, I've paid off my student loans, 2 consolidation loans in my credit lifetime. 

I recently fell behind on my priorities due to being on XXXX  leave twice this year ( both times within 2 months ). I have recovered and have since returned to work. I am trying to dig myself out and get back on track. I have a good paying job and just need a jump start, I've applied for a {$3000.00} personal loan and have been denied by pretty much everyone. Even the same very company ( best egg ) that I borrowed and have paid back since. Best Egg misleads me by sending me email saying that they have an offer waiting for me due to my good history with them and then I get denied upon pressing the link. I feel that they are playing with me ... ... at this point, this whole ordeal is beginning to impact my well being to where I'm losing sleep ... I feel that I am doing everything I can to do well on my debt but im being penalized for being on XXXXl leave which was beyond my control. Another thing is that these lenders are misleading me by sending me propaganda saying how they want to help but then denying it, these lenders should not be allowed to advertise on state funded website as there clearly they show zero intention in helping consumers..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have written to the cfpb in early XX/XX/2019 about Capitalone. On XX/XX/XXXX XXXX XXXX from the executive offices made contact with me offering little detail to the exact reason my account was terminated and replied its under investigation she will be in contact with me. She sends cfpb and myself the alleged findings but never made contact after by phone. She lied in her statement from top to bottom claiming that the consumer reporting agencies contacted her offices on an alleged FTC report I submitted claiming my account as XXXX. I have letters from all 3 of the reporting agencies stating that capitalone is the one whom made contact with them on 3 different dates removing the account from my credit report as XXXXXXXX   causing a XXXX alert to be placed on them. Her report also said I discussed I was not trying to salvage any possible way to keep the account in question and thats not true I begged pleaded with her and she was to follow up and never did. XXXX is very unprofessional she has never addressed this with concern for the consumer but as a way to cover their corrupt behavior. I have suffered hardship and XXXX   pain XXXX and XXXX. I have been deprived of my Act rights and also my anti trust is violated. I am intimidated by capitalone because it seems they can just get away with anything and little old me will just have to tolerate it. Prior to this horrific event I had no real complaints against them but this is beyond rediculous. Do they have some kinda immunity to be able to lie their way through and strip a US citizen of his/her rights by law and even morally. I emailed XXXX XXXX as well and he is to busy for poverty clients trying to undo his employees mistakes. I have tried up to date to mediate and I yet no one can offer that at capital one. XXXX report has her number extension and employee ID and why she refused to talk with me even after submitting it in writing claiming she would be willing to help any way she can. I have proof to provide in my accusations that her lies are just random information she had access to in order to make this whole event look bad on my behalf and Im sorry to say she just made themselves look more foolish. Lastly I was told I could file for a new account which I did and was denied for an past hour obligation being this account that she states Im not responsible for yet their system is the only place this account is reflecting still how convienent. Equal fair credit opportunities stripped from the little man here in the land of the free Good work capital one you should be ashamed of your self!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 I went and looked for a wedding dress. They kept the wedding dress in their hands. We paid and literally less then 24 hours. My wedding plan changed and i will not have a wedding. I called and tried to talk to them They WILL NOT refund us our money. {$370.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 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: U.S. BANCORP
State: PA

Complaint narrative:
I had a credit card with Elan financial. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.

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 2019-09-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.

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 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Today- XX/XX/2019 at XXXX XXXX  PDT ; someone used my Paypal account linked to a XXXX XXXX debit mastercard with XXXX termination that owns my daughter XXXX XXXX , account that I let her use, to send {$20.00} dollars ( {$27.00} with fees ) amount to XXXX XXXX XXXX , with transaction ID XXXX and e-mail contact XXXX without my consent or knowing. 

There were another three attempts, but affortunaly I was able to cancel them : - XXXX XXXX XXXX with a {$250.00} MXN amount with Transaction ID XXXX at XXXX XXXX   PDT ; contact e-mail XXXX. 
XXXX XXXX XXXX with a {$50.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; -XXXX XXXX XXXX with a {$35.00} MXN amount with Transaction ID XXXX at XXXX XXXX PDT ; contact e-mail XXXX. All of them made at the same date mentioned above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I paid off my XXXX loan and instead of Experian increase my score, they brought my score down 2 points. I would like them to fix it since I paid off a loan and have the right for my score to go up not down. Experian rarely give any increase on my credit score like the other credit bureaus do. Experian likes to keep my score down for no reason.

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 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I will start with the most recent. I received a letter from Capital One Auto Finance stating that Capital One Auto Finance will pursue legal action in order to take possession of the vehicle. Letter was dated XX/XX/2019. 

I requested that since you are trying to collect on a debt please validate and confirm the debt being requested. I have yet to receive the Bill of Sale, Itemized bill in the amount of {$19000.00} that Capital One Auto Finance say that I owe, The name, address and phone number of the Injured party due to the fact that they are Corporation and a Corporation can not act, think, or sign anything, I requested that they provide an unsworn declaration proving that the alleged debt is owed, I requested that they provide an affidavit of Truth stating that the debt is owed and that the Injured party is owed the debt. I have recorded my calls as well and sent numerous letters. I am sending another Debt Validation letter since my first letters were never answered and an affidavit of my own with a counter claim of fraud, misrepresentation, illegal contract, and not providing full disclosure in the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I currently have a TD Bank checking account. on Date XX/XX/2019 I withdrew from my account {$46.00}. After losing my debit card at the nightclub and got my pin stolen they took 2 withdraws of {$200.00} and {$44.00}. I called that night and reported the fraud which my card was canceled. I received a new debit card after a week but my funds were never given back. 

I disputed these 2 transactions 2 times already with the same response. I have no other choice but to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MA

Complaint narrative:
There is a public record on my credit report that has to be deleted, the FCRA says that everything on my credit report needs to be 100 % accurate, and XXXX, XXXX and Lexis Nexis are breaking the law by reporting this in inaccurately. I know that Lexis Nexis is providing this information to the credit bureaus and not the bankruptcy court like they keep telling me. I disputed this bankruptcy before and it was ignored by these three companies. These credit bureaus are giving me a hard time and I am very upset at the fact that they think, they can just report whatever they want. I contacted the bankruptcy court and I asked if the courts shared or validated bankruptcy information with third parties and they said no, I requested this in writing and it was sent to me by mail. This public record is being reported in accurately because on my credit report it says that the bankruptcy court is the data furnisher for this and that is not true. I want this public record deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I received an initial dunning letter from Asset Recovery Associates for a XXXX credit card in the amount of {$21000.00}. This account does not appear on my credit reports going back many years as I do not use credit cards. On XX/XX/XXXX I sent ARA a Debt Validation/Cease Communications letter via certified mail with return receipt. They received the letter on XX/XX/XXXX. On XX/XX/XXXX I received a second dunning letter with interest added to the balance. I researched the company and learned they were a debt buyer who acquires long out of statute debt which they then try to collect. On XX/XX/XXXX I sent a second Debt Validation/Cease Communications letter via certified mail with return receipt pursuant to the California Fair Debt Buying Practices Act. I received the return receipt one week later. 

Since then the company has never sent me a copy of a judgement as indicated in their letters, nor the documentation I requested that is required by law including a copy of the contract, date of default, breakdown of principal and interest, chain of assignment, etc. Additionally, their letters lack the required disclosure : The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, and we will not report it to any credit reporting agency. 

Instead the company has been harassing me for more than a year with a bombardment of phone calls to my land line and cell phone after I twice had asked them to stop. Between XX/XX/XXXX and XX/XX/XXXX the company has called me more than 200 times, as many as 6 times per day and past XXXX. Each time they call they hang up without leaving a message. Also, they call my landlord and hang up on her without leaving a message. The company uses caller ID spoofing to conceal their actual phone number as well as robocalls with misleading messages purporting to be from the IRS, XXXX, XXXX, etc implying my account has been charged or compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
I received notice that a company by the name of SageStream LLC is providing credit reports on me. 
1. ) First I am a victim of Identity them and I will not send them my personal information to obtain a copy of whatever report they claim to have. 
2. ) They are reporting to people a score of XXXX when the XXXX  and other agencies have my score at XXXX. 
3. ) I am a victim of identity theft and all three credit agencies have placed a security freeze at my request, this is a new agency that I have no idea who it is and may be allowing people to use my name and social!!! 

I was in fact approved for my requested loan once the dealership was authorized by me to access my credit score through XXXX which was XXXX, not XXXX as reported by SageStream LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
I purchased the vehicle in XX/XX/2016 for {$21000.00} from Consumer Portfolio Services. I have since paid a little over $ 15k and all has gone to interest only and NOTHING to my principle. I have what they call a simple interest loan at 20.45 %. I believe VA " Usery Law '' states interest is max 8  % on most vehicles. I contacted the company and they said I am compounding interest daily at {$13.00}. At this rate I will never pay off this vehicle or be able to trade it in. I currently owe almost $ 25k. Is there anything I can do about this? I am currently 62 days past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NH

Complaint narrative:
Hello XXXX XXXX here. My MTG was bought from MBNA by Fifth Third Bank. Had an insurance claim start under MBNA, they sent me my check and withheld 10 % until completion of work. For another check after Fifth Third Boght my MTG and. Now they won't release funds until I have signed contracts and W-9 s from the previous contractors. Well that's not right. They should not be able to apply their method to work done while they weren't the MTG holder. Now they want me to call back contractors and get this paperwork for jobs completed months ago. Not to mention some of that paperwork is in any garage because the house is a mess and all the furniture is in my garage. Now they are essentially telling me to get paid check receipts and send to them and maybe that will work. Maybe? This is crazy I have an $ XXXX home with a $ XXXX MTG and forget forget about the $ XXXX insurance check, I've upgraded $ XXXX in this home that they hold as the asset. Now they are holding {$11000.00} until I get this paperwork. I'm sure I'm not the only one they do this to? Just jerking me around to keep my money. Absolute scumbags. Go stop them from screwing homeowners. It's kind of your job! As you can see from the pics attached the work is moving along nicely. 
What's done : Floor and walls and basement Drop ceiling basement HVAC Basement Refinish Hardwood 1st floor New banister and railings Drywall completed Ceilings and walls painted Installed hardwood in Master bedroom instead of replacing carpet Paint Master Bedroom Left to do : Master bath Tile Tub and shower. It's incredibly frustrating to be treated like I'm stealing the money and to not be trusted as grown adult. Just stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I submit Chase Bank is fraudulently extending promotional bonus codes for {$600.00} for opening a new banking account to bring in customers and afterwards finding a reason not to give customers the bonus money. 

On XX/XX/2019, I was appointed by a probate judge personal representative of my mother 's estate. on XX/XX/2019 I went into Chase bank on XXXX XXXX in XXXX, MI. I deposited {$71000.00} into a savings account and {$1100.00} into a checking account for a total of {$72000.00}. Over the years I've received dozens of Chase Bonus solicitations to open up a savings/checking account and receive {$600.00} bonus money. The Chase code # XXXX XXXX XXXX XXXX. The conditions were as follows ; Get {$300.00} when you open a checking account for new Chase checking customers : Open a Chase Total Checking account and set up " direct deposit '' or Get {$200.00} when you open a savings account for new Chase savings customers : open a Chase savings account, deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days or get {$600.00} when you do both ( an extra {$100.00} bonus ). When I gave my Chase bonus coupon to the lady who opened the account she indicated the computer would not accept the coupon. I went home and called Chase customer service and they informed me the coupon did not appear as a valid number. I informed the representative ( XXXX ) I have several of these coupons over the years and they came through the United States Postal Service they are genuine. I was referred to a supervisor and the result is Chase Bank is refusing to comply with their advertisement. Chase Bank sent me a Bonus Coupon XXXX XXXX XXXX XXXX with the offer to give me a {$200.00} bonus if I opened a savings account of {$15000.00} within 20 days of establishing the account, I made an immediate deposit of {$71000.00} nearly five ( 5 ) times the amount of {$15000.00}. Upon the expiration of ninety ( 90 ) days, I will have complied with all demands of their advertisement.

Company response to consumer: Closed with explanation