vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore. 
They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.

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 2017-11-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian deliberately discourages customers ability to submit online submission of request of correction in credit report errors by deliberately blocking access by issuing fake security questions and blacking online access. 

Experian has repeatedly blocked the last three attempts I have made to submit correction request via there online site. They ask obscure id verification questions which I still answer correctly and stull black access. They demand I send sensitive copies of personal id via mail which I will not do. XXXX and XXXX have no problems verifying my ID, this is a deliberate ploy by Experian to black access and is fraudulent.

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 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I received a collection notice form southwest credit stating I owe XXXX. I contacted both parties and received the run around. XXXX said it was equipment charges but I could n't find return receipt. I later found and called southwest and they stated it was a contract fee. We still have XXXX XXXX installed in home so therefore no contract fee should apply. We never received break down of how fees applied we called XXXX multiple times. They assured it was resolved but later sold the debit to southwest collections and they out on credit. My wife got a job with XXXX and we already had XXXX they advised her to add uverse internet. She explained in didnt work in area plus we already had internet. XXXX wanted to combine for employee saving and we already had a house phone under no contract. When she added the internet they merged the full account onto the XXXX platform. The internet did n't work like before and she called to remove but the installer changed the home phone to uverse also. The catch 22 was we could n't have a uverse home phone without uverse internet and no one stated that where changing or a contract was in place to try internet. I had the phone line for years and was levity. Then we end up with this larger bill over contracts we never knew about. They Fraud ed us because we already had XXXX and we already had home phone. To resolve the ended up disconnecting our entire accounts because the rep merged it into combined billing so when they tried to remove the internet it disconnected everything prompting a contract charge. They finally sorted it out we have XXXX under a new account because they counted reactivate our old account and give back our promo due to disconnection and combining with uverse. We do n't owe XXXX anything. They explained it was uverse equipment fees and I have a reciept from ups tracking # XXXX under XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX : Capitalone credit card # XXXX I have had this card for approximately 2 years. Have never had a problem paying my bill on line. I have never been late with a payment. Actually I have never been late with any payments on any credit card, my credit report will reflect this. On Saturday XXXX XXXX, XXXX I went to my computer to pay my bill. It generally takes 1 to 2 minutes. I was short on time and was expecting my grandson. I went to Capitalone website, logged in, but site indicated a problem with ID or password. I tried several times. But was not successful. I called customer service, spent time discussing the situation. Finally customer service walked me through the process. We determined together that there was not an issue with ID or Password, BUT Capitalone put me through the procedure of claiming there was a problem in order to get information. Before I could access the site and pay my bill I had to answer 2 questions. # 1 What was my income? and # 2 Where was I employed? I asked to speak to a supervisor and we discussed this AGAIN! I was upset at the way Capitalone set out to obtain this information. The supervisor agreed. Capitalone lied to me, or at the very least misled me to believe there was a problem with ID or Password and prevent me from paying my bill and wasting my time. I can understand Capitalone wanting information and if they do not receive that information, they would have the right to cancel the credit card. My arguement was the rude, inconsiderate, phony and insensitive way they set out to obtain that information. I believe I should have been notified with a letter or email or on my paper statement, or when I went to pay my bill at the website, there could have been a note there requesting information they were seeking. Again, that was a very poor way to treat a customer/consumer. The supervisor wrote up a report and said she would discuss with a resolution person (??? XXXX. The supervisor put the resolution person on the phone and asked me to explain the situation to her. My XXXX XXXX was getting a workout!!! I had just spent a considerable amount of time discussing entire situation to customer service representative and supervisor! I was being asked to repeat that again??? I have removed their credit card from my wallet and will no longer use it until I receive a satisfactory explanation and apology. If I do n't receive that explanation or apology I want my accounts with Capitalone to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
XXXX XXXX reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
Convergent Outsourcing IncXXXX has been attempting to collect a debt for XXXX that my son incurred several years ago. They have filed nonpayment reports with the credit agencies in the past which affected my credit score ( see CFPB XXXX number : XXXX and CFPB XXXX number : XXXX ). Both cases were resolved in my favor when it became evident they had the wrong person. They are trying to collect this debt again under the Convergent Account # XXXX and I am concerned they will use the same tactic with the credit reporting agencies. Please put a stop to these insidious tactics once and for all. My wife and I are elderly and in poor health, we do n't need to deal with an issue like this when our credit score is stellar and this company is purposely trying to get the money from us instead of our deadbeat son.

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made 2 purchases using this card. The current amount on the first XXXX XXXX Plan XXXX ) is {$4800.00} and it expires on XXXX/XXXX/XXXX. The current amount on the second one ( Plan XXXX ) is {$1800.00}, and it expires on XXXX/XXXX/XXXX. The promotion on the 2nd purchase was NO INTEREST if I pay it off before XXXX/XXXX/XXXX ( and if I do n't - about 28 % per annum will be charged retroactively to the date of the purchase ). I have always been current on all the payments under both Plans. On or about XXXX/XXXX/XXXX, I made an EXTRA payment ( after all regular payments have been made ) with specific written instructions to apply it to XXXX XXXX only. The company refused, instead applying only {$19.00} to Plan XXXX out of the entire payment of {$900.00}. That meager allocation to XXXX XXXX is intended to assure that I will never be able to pay off that Plan before XXXX/XXXX/XXXX XXXX it would be mathematically impossible ) unless I also pay off completely XXXX XXXX. That is, the promotion that I could pay off Plan XXXX and avoid the interest charge was FALSE because the backdoor interest allocation makes sure that this will not happen unless I also completely pay off {$4800.00} under Plan XXXX. As a matter of fact, this allocation -- contrary to my specific instructions -- makes promotions on both Plans to be false and misleading. As long as I am current on all the payments, I should have an unqualified right as a consumer in an industrialized country to designate how any EXTRA payments are to be applied. XXXX XXXX should be reminded that XXXX, where it murkily operates, is not some lawless jurisdiction where fraud and misrepresentations can be perpetrated upon the unsuspecting public with impunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06 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: I.C. System, Inc.
State: TX

Complaint narrative:
CRA violation accounts are inaccurate. Its not mine, i have knowledge of the account. 
PO number 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 2017-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am relatively new to the game of credit. However, my credit has been negatively impacted due to a hard inquiry that came as a result of requesting to finance a laptop from XXXX. I should have thought a little bit harder ahead of time, but I assumed the financing would work similarly to the way consumers essentially finance expensive smart phones on their cellular plans. The financing plan would have been through Barclays Bank XXXX this is who the hard inquiry came through, of course ). I was not even certain that I would purchase the computer, but due to the verbiage on the XXXX website ( XXXX ), it seemed as though I would be able to check out my options ( which is why I requested the terms of the requested financing be sent to me - attached in a screenshot ) ; would I be able to jump on a payment plan, would I have to pay up front, etc.. While I do not believe I have too many factors on my credit, one thing I do know is that when I sign up for something, if any money is owed, it is paid. Since graduating college, I have had no goal other than to keep a healthy credit score. I know the impact is not out of this world, but I 've worked hard over the past 15 or so months to ensure a positive progression with my credit. I understand, technically a request was made in the end of the day, however, I did not intend on filing a formal request for a credit card. I just received my first credit card!

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 2017-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My account was closed because the company never applied to the payment I made months ago ... XXXX My limit was only XXXX and this payment was made back in XXXX ... ... ... then they send me out a letter and the account was already closed before the letter arrived to me ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: GA

Complaint narrative:
I have been disputing items on my credit report with these bureaus for years. Nothing has gotten removed at all. I was and still am a victim of identity theft. No one has verified any information or anything verifying that the accounts are mine, which they are n't. I need these items removed asap. The items on this bureau that need to be removed are : both bankruptcies, all inquiries except for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX does not belong on my credit report. I have never, ever lived there. 

Also regarding XXXX, my name is XXXX XXXX, not XXXX XXXX. 

I need assistance in getting these items off of my report as they should not be on there and they do not belong to me. I am a victim of identity theft/fraud. If they are not removed I will be filing lawsuits immediately.

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 2017-11-06 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: PA

Complaint narrative:
On XXXX I pulled my credit reports with all XXXX XXXX 's. I had a Bankruptcy listed on all XXXX bureaus. I sent out certified letters to all XXXX XXXX 's on XXXX. EXXXX XXXX XXXX completed the investigations in a timely manner and found the information to be unverifiable. Experian XXXX is another animal. They Signed for the certified letter on XXXX and completed their investigation on XXXX XXXX Report # XXXX XXXX. In my letter I explained to them, Experian Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. They provided none of the above. They have not removed the items in question and have failed to verify them correctly. I sent a 2nd letter to them via certified mail on XXXX and it was signed for on XXXX ( Report # XXXX ). In Experian 's response and denial they stated " The company that provided the information has certified to Experian that the information is accurate. '' Once again they were not able to furnish the appropriate documentation to me that this is a valid and verified debt, even after I requested it. I have contacted the XXXX XXXX XXXX XXXX they have verified that they do not provide information to the XXXX 's. I have called Experian multiple times and have not gotten resolution. Most recently I called on XXXX at XXXX EST and spoke with XXXX who transferred me to her supervisor, XXXX XXXX ID # XXXX ) who also could not help. She transferred me to the XXXX XXXX and I briefly spoke to a woman named XXXX who transferred me to her supervisor who claimed his name was XXXX. XXXX refused to give me any type of employee ID # or last name and claimed it was illegal and against company policy to do so ( even though a previous supervisor had no problems doing so ). XXXX claimed that the information was verified through " XXXX XXXX' and was not going to be removed. After lengthy conversation with XXXX, it slipped out that the information was verified by a XXXX party vendor, not Experian Credit Bureau. This is a clear violation of my rights under the FCRA and has caused me SEVERE financial harm and emotional distress.

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 2017-11-06 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: MO

Complaint narrative:
Equifax is reporting a few accounts only as a collection. There is no name as to where it 's from. I have tried several times to get it resolved but no luck. Can you please help me with this? I do n't know where else to go. 

They have two accounts with the same number of XXXX, and an account number of XXXX, XXXX. These 4 accounts I do n't know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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: BB&T CORPORATION
State: TX

Complaint narrative:
CRA - Inquries are not mine. No knowledge. 
BB & T, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
The problem is with Navient for my student loans. I was granted a deference a couple of years ago, but Navient still reported to all XXXX credit reporting bureaus XXXX XXXX XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from Navient with all the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, 2017 sent by wire transfer $XXXXX to Coinbase's bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

I printed the Deposit USD form with all the appropriate information, took it to my banks so that they could perform the wire transfer. I have this form in my possession as well as receipt from the bank documenting the transaction.

I have in my possession the Fed IMAD wire number that documents this transaction. I provided this to Coinbase.

My legal name on the bank account matches my legal name given to Coinbase.

In Coinbase's instructions on their website, I was assured that this was the fastest way to fund my account and that funds would be credited when received.

Four days later, after numerous attempts to contact their Customer Service department by their web form and by telephone call, the only information that I can get is that my case has been "escalated" and that I should here from a "specialist" in the coming WEEKS! Yes, weeks.

The following information is currently posted on their Customer Service page in reference to my issue:

"XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
To Whom It May Concern : I have made several attempts to get the inaccurate information that is reporting on my credit report removed. I have provided the company and the bureau with all the information they requested. I have not heard from either party. I would appreciate if your company can help me because I truly feel like my rights has been violated by both companies. They are reporting lates on my credit file and that is totally untrue. I have never been late with this company. Please help me correct this matter because it is causing havoc on my life.

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