vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 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: FL

Complaint narrative:
On XX/XX/XXXX I received an email notification from CapitalOne advising that our new credit cards would be received in the first week of XXXX. Knowing that our existing credit cards would not expire until XXXX, and, not recognizing the account numbers listed in the email I contacted Customer Service. 
I spoke to representative XXXX, who after hearing my reason for calling, very politely told me that the company had done an account review and decided that we would be better served ( better benefits ) by switching our accounts from a Visa Card to a Master Card. When I questioned who had authorized such change and why no notification, she indicated that it was all part of an account review and that we should have received a letter. ( While I do not dispute that in fact a letter was sent, we unfortunately did not receive the notification, as I would have reacted to it then. ) I told the representative, that neither my husband nor myself wanted a Master Card. We wanted to retain our Visa. She said that was not possible, but she would transfer me to her supervisor. 
XXXX the SR account representative basically repeated what XXXX had said and indicated there is nothing that can be done to reinstate our Visa account. She was also unable to tell me what upgraded benefits we were receiving, but assured me that the CaptialOne account terms had not changed.. She indicated that for the benefits information I needed to call Master Card directly. Additionally, she did not explain why our account was selected for this change.

We have maintained a stellar relationship with CapitalOne for several years and our credit records are impeccable.

When we applied for an account with CapitalOne, we requested a Visa account. I realize that the terms of our account with CapitalOne have not changed, however, our loyalties lie with Visa and frankly, this arbitrary decision from Capital One is intrusive and a violation of our rights as a consumer to choose a product. We were never given a choice to accept this change. 
I sent a written complaint to the CEO of CapitalOne and did receive a prompt response, however, the response echoed the same information I received from the two representatives I had spoken to earlier.

They also sent a copy of the letter that we should have received regarding this matter. The letter does advise we are being switched but nowhere does the company give us, the consumer, the right to accept ( or not ) this change.

I still do not know why we were selected. I would have liked to have bee given a choice of accepting a product we never asked for, and I would like to have our Visa product reinstated.

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
We moved out of my rental apartment with XXXX XXXX XXXX on XX/XX/2020. We received follow up bills for utilities payments, as well as move out fees deducted in excess of the security deposit totaling {$160.00}. I contacted the company for further information on what the charges had originated from. I also highlighted that upon looking at our previous rental agreement, we had been overcharged on a monthly basis per their admission earlier in the contract signing phase of our agreement. We had requested additional information on the charges and inquired as to if the excess charges would be refunded, and were told that information would be provided before finalizing the charges. This information was never provided, even after following up with the company 3 times. Less than ( 1 ) month after being told we would receive the information and finalized charges, this debt was sent to collections unbeknownst to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MA

Complaint narrative:
Hi XXXX / Convergent Outsourcing Inc. ; Listen, I was reviewing my credit today and noticed a collection account from a phone company that i never had before, plus when i called they have it under a DOB of XXXX, but my DOB : is XX/XX/XXXX. I also have it on an address that doesn't even belong to me, plus i been outside the country for 14 years - I just came back into the states in XXXX of XXXX. You are reporting false information and would like this to be removed from my credit report or any internal record. 

Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was charged by Experian for services I NEVER ordered. I have complained directly to them, and received no reply. I was charged {$1.00} on XX/XX/2020, and again for {$26.00} on XX/XX/2020. This appears to be some kind of " subscription '' service. I never ordered any such service.

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 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX. I think I am a victim of a scam. A XXXX XXXX sent me a check through email and I thought it was real but I dont think it is. My whole bank account is froze and I cant access any of my real money because of this scammer. I want it off my account and I want my account unfrozen ASAP. I called my bank and they said theres nothing they could do about it but I need my account open now so I can catch my XXXX and get to work. I am only XXXX years old, I dont know what the XXXX Im doing. And I cant tell my mother because she will XXXX  me and I dont mean that in a sarcastic funny way she is very XXXX. Im asking someone to please help me, I will send you all the information I have about the scammer but I am begging you to please open my bank account. I bank with associated bank in XXXX IL on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BMO Harris Bank conversion of Loan Servicing to XXXX XXXX  XXXX which took place XX/XX/20 - XX/XX/20 XXXX Written notification, sent by mail, was received less than 14 days in advance as is required by law. 
The letter was printed on XX/XX/20 but was not received until Monday XX/XX/20. 
This only allowed 10 business days to find an alternative. 

I did not wish to work with XXXX due to their numerous negative reviews. 

2-They could have emailed me about the conversion 14 days in advance, but did not. They emailed me a " reminder '' TWO DAYS before the conversion on XX/XX/20. 
They have emailed all my statements in the past, so they had this information and could have used it but chose not to. 

3- I paid the Payoff Amount on XX/XX/20, this included the 17.23 interest due. 

4-On XX/XX/20 XXXX sent a statement billing me a second time for the 17.23 interest. 
The statement even shows that I paid the 17.23, yet they are demanding it again. 

5- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information including account numbers. No response. 

6- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. No response. 

7- XX/XX/20 I sent a letter by mail to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. I asked them to close my account and reflect this was done at my request and signed the letter. No response. 

8- XX/XX/20 I emailed Mr. XXXX XXXX CEO of Harris , to request correction of their billing error. I gave detailed information, including account numbers. I asked him to close my account and reflect this was done at my request. 
No response. 

9-I tried calling the 800 number several times over several days and all it does is loop from one voice menu to another. It is impossible to reach a person. 
There are likely understaffed, as they have numerous jobs posted on XXXX, XXXX, etc. 

XXXX has a horrible track record and mostly negative reviews. 
I do not want these people to destroy my good credit. 

It is appalling that from XX/XX/20 through today, XX/XX/20 there have been no responses in any way shape or form regarding my communications. 
Isn't it a law that there must be a response within 5 days?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: TN

Complaint narrative:
I purchased a car from a dealership and consumer portfolios as the loan company that had given me my loan in XXXX. ( Cps ) my loan amount was XXXX and in state of tn the highest interest rate that can be applied by a bank or loan company is 18 % it is XXXX the end of my 5 year loan and so I went onto their site to look at my loan to see the pay off. It is XXXX. So I call them to tell them there is a mistake being made, per the payments that they have listed on my account that has been paid to them I have paid a total of XXXX. So there is no way I can owe XXXX. They said my interest rate is 21 % ( not legal ) but even if thats the case I have still paid the loan off. They said no becsuee 10 payments were pushed to the back and still with that I have still paid the loan off. Even if they applied a late fee every month for 5 years it would be paid off. They said I still owe the XXXX. I do not not. They said per their site that out of the XXXX I have paid only XXXX has been applied to the loan which is saying I am paying XXXX in interest. Thats 100 % interest ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This complaint is against the Wells Fargo Home Mortgage Application Fee submitted by XXXX XXXX XXXX and paid directly from her checking account in the amount of {$50.00} on or about XX/XX/2004 from her XXXX  XXXX XXXX account. All information provided, gathered and obtained from that application remains the interest of XXXX XXXX XXXX, accountholder and shall be provided upon request.

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 2020-10-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I signed up for their loan, after approval i was informed i would have to pay a monthly membership fee of {$29.00} and make payments towards the loan for 18 months. After 18 months they would then disburse the loan to me. I said no thanks and cancelled the loan the same day. SCAM. 
Now about a year and half later theres a defaulted account showing on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Plus Inc
State: UT

Complaint narrative:
Credit Plus ran my credit 3 times for a refinancing on a home loan. I only agreed to two soft pull of my credit to refinance my home. When I confronted the loan officer he stated he only pulled my credit twice. But according to my credit report there are 3 hard credit pulls from Credit Plus. The dates are as followed : XXXX. XXXX XXXX XXXX. XX/XX/2020 XXXX. XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX  Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX  Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
Reported XX/XX/2020 national credit adjust report on my XXXX report never seen or heard of company until now

Company response to consumer: Closed with explanation