vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
I was served to make an appearance in court regarding the loan. I contacted Mariner finance regarding the matter and they referred me to XXXX XXXX XXXX who would be handling the case. I spoke with XXXX at XXXX XXXX XXXX and I was told i would not have to make an appearance in court under the terms of the agreement that I would make my regular monthly payments directly through XXXX XXXX XXXX, Mariner finance, or my bank bank account. Today I called Mariner finance regarding a payment I made on XX/XX/20 in the amount of {$540.00} through my bank account which was the remaining balance on the account, because on my online account it is showing the payment amount only reflecting {$130.00}. I spoke with XXXX she told me that the payment had been split up to cover court cost and attorney fees without my knowledge because from my understanding I thought I was paying off the balance of the account. She also informed me that a judgement that had been made against me although I was told I did not have to make an appearance in court. There was still a court hearing without my knowledge and I was not informed of this otherwise I would have made the appearance to defend myself. Now instead of the account being paid in full there is a remaining balance of {$390.00}.

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 2020-06-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received a bill/balance account for {$95.00} from XXXX XXXX XXXX - Chase Credit Card that I have never received/used this credit card. 

I called Chase to XXXX XXXX XXXX XXXX, customer service is not working for this kind of issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I just saw a debt with Ability recovery on my credit from XXXX XXXX I contact them about this debt I advised them that my personal information was stolen and that I had no need for there services because I have my high school diploma. They told me to send over copy of my diploma in which I sent my transcript showing I passed they told me it will be look and update in 24hrs as of XX/XX/2020 now I called back they are telling me they cant help me.

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
Numerous attempts to confirm the balance on the XXXX XXXX XXXX card online have been unsuccessful. I attempted to transfer the full amount to my bank account via thier system and the system kept freezing before I could submit the info re my account. In retrospect I am glad, because I have no desire to provide this info to a third party. In the same way that I don't allow the IRS access to my bank account. And in order to get the full amount out in cash will require 3 separate trips to an ATM and then to my bank to deposit that cash. Not a good idea with covid 19 Why were we not given the option of receiving a check in the same way we receive any tax refund?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
TransUnion used deceptive UI/UX practices to get me to sign up for a monthly subscription " TransUnion Report, Score, and 3-Bureau Credit Monitoring '' service when I started the process to see my free annual TransUnions credit report. They also indemnify themselves from any partial or full refund so that once you discover their deception, you are unable to do anything about it.

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 monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
citi bank/homedepot consumer credit card has arbitrarily dropped my credit limit from {$3500.00} to {$2000.00}. I called the company and was told it was an automatic action due to something the credit bureau sent them. I have approximately {$1800.00} charged so when they dropped the limit it affects my credit score due to percentage charged versus limit. I called Citibank on XX/XX/2020 and was told the limit was dropped on XX/XX/2020. I tried to explain to them that by now showing the card is almost maxed out it will drop my credit score. I was told that was not their problem. They stated it was an automated process and nothing could be done. 
I do not see how this company can get away with doing this to consumers when amount of charge versus limit is a factor in 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 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
I have been repeatedly contacted by a company by the name of Phoenix Financial Services LLC in XXXX, IN. This company is requesting that I pay them {$1000.00} for XXXX XXXX XXXX XXXX XXXX. I have no idea where this bill is from or if it is being billed to the wrong person. I have tried disputing this claim with XXXX  but had no success and have even tried to review my records to see where this bill could have possibly come from. I have always been good with paying bills that I do owe, but I can not give away my money to a company I do not know and don't even know why they are requesting the money. I have never done business with Phoenix Financial Services LLC or XXXX XXXX XXXX XXXX XXXX before and therefore I feel that I should not have to pay them anything. This bill is negatively affecting my credit and I need something to be done about this as soon as possible. They keep offering me deals to pay it off but I won't pay any money to a company I have never heard of. Either this charge is fraudulent or simply incorrect and I just need it removed from my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management, using multiple names keeps calling, Keep asking for XXXX, who is not me and for whom I have never heard. I tell them that, even when they pretend to be a friend. 

I have told them to stop then they ask for my social security number, and all sorts of personal info. I tell them no, and they say they will just keep calling because they can not identify me. I tell them if I am not who they seek why would I give them private info. They just keep calling. 

XXXX, XXXX, XXXX and these are only some of the number. 
They have called easily over 100 times in the last 6 weeks. I have had this number at least 1.5 years. My number is XXXX, and they obviously have my number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit scores recently dropped significantly. When I called Equifax to complain they could not explain it. They said " I dont have access to your credit score ''. He then wanted to give me contact information for a credit repair company. 
I believe my score was impacted by a Forebearance Agreement on my daughters mortage for which I cosigned. However, Equifax could not tell me this. They did indicate my status was " Current '' on our mortage payments. 
The Dispute process online with Equifax did not allow this type of dispute. It only allowed me to dispute my previous addresses and my name. No provisions on their website to dispute the rating in any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an XXXX  XXXX credit card through Bank Of America. I called for a pay off amount as I had a small balance ( ~ {$400.00} ). I paid that off the balance on XX/XX/XXXX and I was subsequently shown to have a {$0.00} credit balance on my account. The following month they withdrew {$300.00} from my bank account even though there was a negative balance. I called on XX/XX/XXXX once I found this out and they told me that I had to wait 3-5 days for the deposit to clear before they could process a refund. In the past week, they have charged me an additional {$1.00} ( minimum interest charge ) on a negative balance. This is just ridiculous. I called today and they will begin processing a refund ( less the {$1.00} ) which they still need to process. Bank of America steals my money for weeks and charges me for the privilege, all while charging 21 % interest when you use their card. 
B of A is the WORST!

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 monetary relief
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resolve Partners, LLC
State: NC

Complaint narrative:
I have been calling Resolve Partners for 4 months now have left messages trying to settle my debt with this company. I called XXXX XXXX and finally got someone on the phone they stated that I would have to call back. Monday that the payment department would be open Monday at XXXX I called the XXXX XXXX and got no answer. So I left voice message as Ive done for the past 4 months and still haven't got a returned phone call. Also called the XXXX and its going to XXXX voicemail which is stating it is full to where you can no longer leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Vericred Solutions LLC
State: TX

Complaint narrative:
Vericred Solutions has put a collection on my XXXX  credit report. They also sent me the back up documentation. The collection charges are clearly not mine. Only the first and last name are the same. Middle name is different, SSN is different, nothing at all is accurate so I am not sure why it got attached to my credit. I submitted a dispute with transunion and they say its verified as accurate and i don't know how they can say that since it is not ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to about XXXX XXXX XXXX. On XXXX XXXX I was given a citation of eviction for XXXX XXXX XXXX  XXXX XXXX dollars.On XXXX XXXX. I had a court date and the Judge ruled in my favor to pay XXXX XXXX XXXX  XXXX dollars My rent for XX/XX/XXXX was XXXX XXXX XXXX   XXXX dollars with late fees included of XXXX XXXX dollars along with the filing fee of XXXX XXXX  XXXX dollars. Mrs. XXXX was in court asking for XXXX dollars and the judge asked her why?. She couldn't explain to the judge what was the amount including that is when he made a judgement in my favor for XXXX XXXX XXXX  XXXX dollars including filing fee of XXXX. In XX/XX/XXXX, I had received a notice of move out charges were I didn't agree to. I moved out as of XXXX XXXX. In the state of Texas after eviction you can't stay in the place if you do stay the management have to go back to court to get the constable to evict you but we left an moved bwecause the Judge asked me to move within five days. I had moved in with my mom until XXXX XXXX. We moved into a hotel on XXXX XXXX until my apartment was ready on XX/XX/XXXX, Also the itemized move out letter stated We had moved out on XX/XX/XXXX. Mrs. XXXX charged me rent for XX/XX/XXXX, late charges and the eviction fee the courts had already included in the amount I owed XXXX XXXX stated I caused damages without rendering my security deposit back. The damages were foreign to me and made up. Mrs. XXXX was later fired from XXXX XXXX XXXX for stealing from tenants. I have disputed with Pro Collect and the credit bureau since XX/XX/XXXX about the facts of this matter. Both Pro Collect and The Credit Bureau had told me the information is verified. Furthermore, I only receive the amount owed on my credit report XXXX and the statement from Pro Collect is XXXX and the amount with the court is XXXX. This also paced on my son 's credit and he wasn't responsible for this debt he was in high school. He had to be placed in the adults section because he was XXXX years old.

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 2020-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Good Afternoon, I received a call from a collection agency saying my student loans from Navient is in collection. I found this odd since I have been making payments. I called Navient and they said I havent been making payments since XXXX. I told them I have proof and on the website, it clearly states I have been making payments. My last one was in XXXX. I called Navient and the agent sent a number to call to send in my proof of payments. The number is a fax machine. I do not own a fax. Unable to get through to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: AK

Complaint narrative:
I tried to transfer {$5000.00} from Alaska to XXXX to help family there during the pandemic. XXXX immediately took the money out of my XXXX XXXX checking account on XXXX XXXX and their web site said it would be available XXXX XXXX. There is no sign of the money - it has apparently been stolen. 

In the meantime, XXXX has announced they will not be opening their borders for the rest of the year. My brother works in the travel industry so is in even greater need of financial assistance now, but I am out the money I tried to send to him ( so I can't send it by a trustworthy company ) and he still needs the money. 

The worst part is that these people have all my information to set up identity theft - they should not be allowed to do business anywhere in the country and prey on people because of pandemic financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I tried to receive a pay loan thru my bank account. PNC stop us from getting this type of loan thru our accounts. I would like for PNC to allow us to use pay loans thru our own accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One reported me for a late payment of {$7.00}. I somehow miscalculated my monthly payment. I had sent {$260.00}. Apparently it should have been {$260.00}. I read somewhere a while back that as long as 95 % (? ) of a monthly minimum due is paid, the company can not report as late. I can not find the law for this to send to them. Can you please help me straighten this out? Thanks. 

PS last four digits of my SS # is XXXX. It wasn't letting me enter on the personal information page

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I use the XXXX app to get an advance on my paycheck and the bank wont let me connect the app to my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I've been using XXXX  for a few months now ( Since XX/XX/2019 ). I use the feature called " round-ups '' that takes the remaining amount per dollar and puts it in a savings account. I was notified that my card was no longer linked so I went online to update my info ( I assumed it was because I had gotten a new ATM card ). Although when I tried to update my information i was notified that PNC was the reason it was not working as they have " taken away '' permissions from the XXXX platform. I was then directed here to file a complaint. I am curious to know when this was stopped, and also why? 


Thank You!

Company response to consumer: Closed with explanation