vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One refuses to resolve my dispute against a charge against XXXX for {$59.00} on XX/XX/19, which I've worked very hard with them to answer all their questions to the best of my ability. Due to the nature of my dispute, I was unable to provide physical documentation -- as the reason for my dispute was based on a conversation over the phone with the merchant 's Customer Service, and Capital One re-billed me for the full amount on XX/XX/XXXX. Last time I spoke with them regarding this matter, I asked if they do not believe me, and they said it's not a matter of whether or not they believe me. They need to follow the guidelines of MasterCard ... All the agents must be trained to say this because I have heard about 10 different agents say this within the last 5 months. That is a bold-faced LIE. I have called MasterCard and told them they Capital One is saying this about them, and they stated that is false information -- That Capital One is their own company and they have their own policy -- And that MasterCard has NOTHING to do with their decision making process ... Capital One just doesn't want to resolve their customers ' disputes unless they're about unauthorized charges. They should not even have the option to dispute charges that were authorized if they're never even going to be in their own customers ' favor ... My experience with Capital One over the last 8 months has been nothing more than unpleasant, time-consuming, and absurd ... The Federal Reserve should put them out of business, because they need to be stopped and no one 's doing anything about it. Are roughly a thousand complaints a day not enough??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in XX/XX/1993. Equifax and XXXX are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XX/XX/2015, I returned equipment to XXXX XXXX to disconnect services. They advised me I had to call a number to disconnect even though I turned my equipment in. I called that number and after 18 minutes or so and the 2nd person trying to keep me from ending service, I disconnected the call. Fast forward, XXXX continued sending me bills for service. I made 3 trips to the office to fix the problem and it was never done. I finally advised the agent ( manager was not available ) that I would begin billing them for my time. I never heard back after that until a year and half later for 4 months of service after I returned equipment. The company would not accept that the equipment was returned and a call was made to disconnect. I advised them I would not pay this, especially with knowing that they shut service off after 30 days without payment, why would they ever bill after that point. This went on for another 2 years that I would speak to representatives and managers to demand they look at activity on my account after equipment return and they declined to do so. I have now had a collection from Southwest Credit Systems placed on my credit report that is not a responsibility of mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
Currently I have a owed on my credit report from XXXX 2012 from Carhop that I just found out about. It is for a total of {$9800.00}. I currently should not owe anything to these guys. As I had the vehicle for 3 days the Check engine light was on the whole time. So I Took it into one of their shops. They said it needed a new engine all together. That they would rebuild one for me and put it in. Almost a month went by as it sat in their shop no new engine no nothing done to it. So went back to the XXXX Carhop to talk to them about all this. They said they were very sorry and gave me my down payment back and everything else I paid up front. Said everything will be cleared. Now I come across this that has been on here since 2012 and had no idea!!!!!! This is not right at all this Carhop company is and was and always will be a very very shady place!!!! I want this removed from my credit Immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
Transunion is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX and XXXX  are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from 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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX  and Experian are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from 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 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to challenge the reporting and compliance on an account with [ XXXX/XXXX ] that is being reported on my credit report with incorrect/missing info. 

More specifically, I am referencing the fact that they are reporting [ an incorrect/missing account number XXXX ]. 

Their improper procedures are highly damaging to 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 2019-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: KY

Complaint narrative:
I receive a robo phone call at least 3 times a week regarding a debt on a gym membership that was a gift for me, in another state, almost a year ago. Although I did not fill out any of the paperwork, use my credit card or have anything to do with the sign up process, I still receive these calls. The past due debt has been paid in full and I have been emailed a receipt of the settled debt by the person who started the account, I am continually harassed by XXXX XXXX on the Behalf of XXXX XXXX in XXXX XXXX Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Name is XXXX XXXX XXXX, XXXX My Father was XXXX XXXX XXXX . He passed away XX/XX/XXXX. 
Our company XXXX XXXX , XXXX has a AMEX Platinum Corporate Charge Card since XXXX. I took over as the Primary Responsible party after his passing. 

8 months ago ( XX/XX/XXXX ) AMEX first suspended my AMEX Business Platinum Corporate account stating I was deceased based on a report from XXXX. They have subsequently reinstated it various times. 

AMEX says they are only reacting to XXXX Monthly Electronic Filing that updates them every 30 days. 

AMEX says that the monthly XXXX report shows the FICO Score and other derogatory notes like bankruptcies or in my case a score of 1 that indicates deceased. 

AMEX Told me to request a long form credit report and XXXX gave it to me. I also spoke to specialists at XXXX. According to XXXX, No noticed associations with XXXX XXXX, XXXX or mixed SS # s/DOBs appear on my Credit Report Spoke to XXXX special consulting department again on XX/XX/XXXX who reassured me there is no indicator of me being deceased on my report or associated w/ My deceased Father. 

In the meantime, I view all 3 bureau credit scores on my own that are over 800 and have purchased 2 cars and received a credit card line increase in the same period. 

ONLY AMEX has an issue with my credit report according to what they claim XXXX is sending them- While XXXX states nothing is showing on their end. 

I don't know what else to do to resolve this issue with AMEX. I have consulted all 3 Credit Bureaus multiple times for hours and hours over the phone, received credit reports and noted every item is correct. Until this is resolved, AMEX could suspend my Business Platinum account which would impede the way our business runs as we use this card for several recurring monthly charges and subscriptions. 


If necessary, I can be reached at XXXX. 

Thanks, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MO

Complaint narrative:
Americollect Collections continues to report a said collection that is currently being litigated by my attorney ( XXXX XXXX XXXX XXXX XXXX Original creditor has been contacted about this lien and therefore this collection agency that I have no contract with should not be trying to collect a 6 debts that are not related to the original creditor debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
I had a hardship of losing employment and also has loss if income on top of losing employment. I applied to New Jersey 's hardest hit fund with the direction of NJ Legal Services back in 2017. I was approved by NJ Hardest Hit Fund, but they had to decline me because my lender Homepoint financial decided not to accept the funds. I did call Homepoint to ask why they didn't accept the funds that were coming and I wasn't given an answer as to why they didn't. This could have prevented me from being in foreclosure. I did attempt a loan modification in which they stated they couldn't help, but I know there are additional programs for those who have FHA backed home loans. I never got the feeling that they go above and beyond for their borrowers. Any assistance I tried to get from them was shot down. I have recently reached out to HUD so that I can get the assistance I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: WA

Complaint narrative:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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 2019-07-19 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-19 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CORELOGIC INC
State: PA

Complaint narrative:
Once again I am reaching out about CoreLogic Credco. There is blatantly wrong information on our credit file that they arent willing to update saying it can take up to XXXX days to remove - maybe less but no guarantees. I have all of the documentation that I need and XXXX XXXX and each of the credit reporting agencies have been helpful - only after escalating with XXXX XXXX. When there is inaccurate info on a file that can hinder someones ability to buy a home - and potentially end up homeless because of a snag like this - it shouldnt be taken this lightly. I have the case number from someone in XXXX XXXX exec office, they have sent letters directly to Credco to get them removed, but they see no urgency. I couldnt even get to a supervisor when I asked. Was told nobody was in. How can we make sure this gets corrected in a timely fashion so we can get our loan and close on 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 explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
We paid off our mortgage loan on XX/XX/2019. One day before closing, the mortgage holder, XXXX XXXX XXXX, withdrew {$9800.00} via automatic transfer from our checking account for the XXXX monthly payment. In the latest correspondence from SPS, dated XX/XX/XXXX, they refused to refund the unwarranted XXXX payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I was a former customer of XXXX XXXX XXXX  XXXX XXXX, Nevada located at XXXX XXXX XXXX XXXX XXXX. I am XXXX years old and this dealership has done business with me in the past, but i never had an issue with a purchase. A sales man name XXXX XXXX of that dealership and i was pushed into a car i did not want. I was told i was getting a much cheaper vehicle than the one i was pushed into. I was told to take the car but my reply was i have to think about it, and 3 days later i show up and i was pulled into the managers office and was approved for a loan i didn't understand being told by XXXX XXXX, and this so called manager of the dealership. 

This what i believe to be, Predatory lending which targeted me and other minorities, the poor, the elderly and the less educated. Seeing that i was denial 5 times by other lenders including my own bank at XXXX XXXX I was rushed to sign the paperwork with promises that i will have a low car payment and was told by XXXX XXXX that because i worked for XXXX i can make my car payment in one week. Which is not true, I'm XXXX   year and can not move like a XXXX-year-old kid anymore. 

When i received the car and 3 days later after having the vehicle in my possession i did not want this car and i wanted my trade-in vehicle back plus my {$3000.00} cash that came from my savings. 
Then they made me sign a document for an additional payment of {$23.00} for repair if the car breaks down this will cover all cost, but it wont change my oil or wipers. 

Now i have 15 days as per the Nevada DMV to get my trade in back. 
and this is what the website states at https : //dmvnv.com/regdealer.htm *Trade-In or Sale to a Dealer* If you are trading in a vehicle or selling one to a Nevada dealer, the dealer is required to satisfy any loan or lien within 30 days. Other states have similar laws but be sure to ask an out-of-state dealer when the lien will be satisfied. The dealer may have you sign a Power of Attorney or similar document if you do not have the title. 

Nevada dealers are required to keep your trade-in until the financing on your new vehicle is finalized ( up to 15 days ). They must return your trade-in if they offer you different financing terms and you decline to accept the new contract. 

Keep your license plates. These must be used on another vehicle or surrendered within 30 days. You will be issued a credit for the unused portion of the current registration. 
This is unfair to an XXXX year old man.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This concerns PNC Bank in XXXX NC. I deposited XXXX on Sunday XX/XX/2019, at a local branch ATM. The ATM malfunctioned and kept my XXXX bucks but didnt credit to my account. Of course first thing after I contacted PNC customer service. They filed a dispute as this is the procedure in order to have missing money returned to the customer. This so called dispute procedure takes 10 days according to the policy in place. I just got the news my dispute has been denied. So in other words they kept my money. Understand that machine malfunctioned and it was indeed in need of major repairs. Yet and still I was denied my own money that was literally stolen from me via PNC ATM machine. This is not only ridiculous but shows what kind of company PNC really is. I just want my money back ASAP

Company response to consumer: Closed with explanation