vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
The last two years they say my escrow has changed, but they give no notification. They then hold the payment in escrow for in my case 22 days. They said my payment increased {$30.00} last year it was {$12.00}. They hold the money in escrow and due not give interest credit for that time period. I am sure they should be required to disclose all interest that they earn from doing this to thousands of VA loans. Veterans should not be subjected to this kind of fraud. They always say they have tried to contact the borrower, but can not provide proof. This is consumer fraud against our veterans. I am filing this complaint for all veterans who are subjected to this consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This has to do with my Barclaycard US credit card. I got notified after my payment was late that I had a {$20.00} payment due. I know I was on auto-pay, but they can't explain why my bank info wasn't there. 

Fine, this was less than 30 days after the due date, so I put in new bank information and submitted payment. I once again did not get notified that my bank returned payment for some reason. It wasn't until I was randomly checking my bank account online that it said the payment was refunded. 

I also now have a late payment on my credit report which had hurt my credit score. I've never been late on a payment before, so this is deeply disturbing for a ~ {$20.00} charge.

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 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The bank charged me 3 overdraft charges for 3 different transaction do to a pending charge of 997. This charge came in at XXXX XXXX  on XX/XX/2021 after banking cut-off time. Although my ending posted balance was {$110.00} on XX/XX/2021 and after being charged 105 in fees my current posted balance is {$10.00}. pending transactions are not transaction that have posted and cleared my account, per wells fargo own language pending transactions come off of available balance not actual balance of the account, seeing that this is the case when that charge of 997 came in, my available balance was XXXX and should not have no bearing on transactions that the funds have already been set aside for previous merchants. Technically speaking the funds are still available in my account until merchant request final payment for pending transactions. Wells fargo continues to steal from their customers while doing illegal banking charging incorrect fees because of their nightly processing. I want my {$100.00} refunded because at the time of posting I had enough funds to cover all pending transaction that posted for that particular day of XX/XX/2021, seeing that my ending posted balance was {$110.00}.

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 2021-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
We, the consumers, XXXX and XXXX XXXX, received a letter from The XXXX XXXX XXXX  dated XX/XX/2021, stating that we owe Heights Finance Corporation a total of {$1700.00}. We responded on XX/XX/2021 with a validation letter to The XXXX XXXX XXXX which there was no response. We also mailed a debt validation to Heights Finance asking for the original contract, original creditor, as well as all things listed as Exhibit D part 2. Heights Finance responded with a contract that was not affiliated with them, and did not respond to other request that was asked to be presented in Exhiibt D part 2. The contract that Heights Finance mailed to us did not have a signature from Heights Finance. What I did see on the contract about Heights Finance is on Exhibit B, where it states '' This contract may be assigned to HEIGHTS FINANCE CORPORATION ( " Heights '' ). On a letter dated XX/XX/2021 from XXXX XXXX XXXX Exhibit C ), Ms. XXXX states that HEIGHTS FINANCE is the original creditor ( but no signature on contract ). Ms. XXXX also states that, " the provisions of the Fair Debt Collection Practices Act do not apply to us, however to the extent practical and as a reasonable business practice, we attempt to adhere to its provisions. '' The letter from Ms. XXXX XXXX ( Exhibit C ) also states they are not a third party debt collector nor an assignee. Per USC 1692e TITLE 15- This is false and misleading. Per said contract, Exhibit B. We, XXXX XXXX and XXXX XXXX, have also mailed an Affidavit of Truth to HEIGHTS FINANCE, dated XX/XX/2021, ( Exhibit E )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Synchrony Bank did an inquiry on my credit in XX/XX/2019 for Sams and I have never had anything with Sams. I got an alert the day it happen and called Synchrony they cancel the card and told me they was sending a letter to the bureaus to have the inquiry removed. Well the other 2 removed it but XXXX did not I just found this out when I was checking my credit getting ready to get a car. I contacted Synchrony and now they are telling me they have nothing on me in their system and cant give me a letter to give to XXXX XXXX  keep saying they need something from them to remove the inquiry but everybody is giving me the run around. I cant get the letter if they want give me one XXXX told me today I need a police report to get it removed I have never heard a bunch of mess like this an tired of it can you all please help

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 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which JPMCB is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response that automated and they are not addressing the issue. All the information they may need is in the letter that I sent to them. I will the documents that could help you investigate my claim. 

JPMCB is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021 I payed a credit card bill to First XXXX Bank for the amount of XXXX. The next day I deposited XXXX cash in my checking at Chase JP Morgan ATM at XXXX XXXX & XXXX XXXX. in XXXX Az. When I looked at my receipt my bank account was XXXX to the negative when in actuality I should have had over 400.00 to the positive in my account. My account was charged 125.99 cents 21 times on the same day. I went to the bank and they took off a few charges. Persons name was XXXX XXXX believe. He was one of the persons in charge back in the nice offices. Still in a negative balance I want to know why this happened, I was told a computer glitch. After multiple calls to Customer Service Reps we were able to get the charges lower. I then reached the Executive Offices and spoke with XXXX who is a Exec. Assistant and she said she would look into it and see what she could find out. XXXX returned my call a few days later and told me that this computer glitch affected 2 people, me and someone who she could not tell me who for obvious security reasons.So basically I was without access to my account for well over a week and could not make any payments for all my other bills. I have lost XXXX points in my credit score from this to which they have no answer. This money taken from my account has caused me to lose late fees, caused enormous grief and stress and on top of that I have XXXX XXXX during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a letter telling them about my identity fraud and that it was account open in my name and in my child name. I sent them a police report all information. I never heard anything back for them. But the information is still showing up. so I sent them a certified letter about my information and about my child information which is a minor. they sent me a page letter saying the verified that they was my account and my XXXX XXXX XXXX account. that let me know they didn't even read my letter. so I sent them a 3rd letter telling the to give me the information how they verified that when they stop taking my calls, hanging up on when i do get somebody on the phone the verified it me, the hang up. i just want my daughter credit fix she XXXX and these account moved off my credit. the are very ruled

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 2021-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: IL

Complaint narrative:
I misunderstood COVID deferrals and assumed my loan payments were being deferred but I guess my loans are not federal. Once I realized I caught the loan up. I asked if they could waive the late fees and they refused. Been paying the darn loan over 15 years and that's how they treat people?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Card was legally ordered to be closed and out of my name the debt was ordered to XXXX j XXXX. XXXX  XXXX XXXX order even after the federal government paying for this. It is now fraud using my name and credit

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 2021-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALCHRO INC.
State: FL

Complaint narrative:
Once more I come to this agency with the attempt to solve this issue but appears nobody cares! That's the main reason why people get abused, cheated and extorted. But it is my right to dispute a debt I definitely don't own I will exercise my rights to the very end to clean up my name and credit. On XX/XX/2020 I was feeling really bad at night with certain symptoms that for me appeared to be XXXX. At that time everyone was scared and with a lot of misinformation related to the XXXX. I went to the emergency of XXXX XXXX seeking help because that was the first good urgent care facility close to me that came to my mind. Them I immediately reported that if i needed to pay for the services I had no insurance at the time. The assistant told me that I have not to concern about it because assistance related to XXXX would be covered by the govern. They made a series of exams and, prescribed a fogging session and dispatched me home. Thanks XXXX was not XXXX and the following day I woke up better. I couple of weeks later I received a bill from the Hospital requesting payment for the services. I immediately called the financial department and after explaining the situation they told me the bill would be taken care of and I had nothing to be concern. Them I realized they sold the collection to other companies and did not have done once more what they told me. This is outrageous, immoral and anti-ethical, especially when taking advantage of people when they are in a very fragile moment. That's really not fair and that's the reason I insist and dispute this unfair practice that for sure is not only from them, but the great majority of the Medical system. Their main concern should be saving lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to XXXX XXXX with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on 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 2021-04-22 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased a new XXXX from XXXX and financed it through Affirm. I paid it off on XX/XX/XXXX of XXXX to this day XX/XX/XXXX it is still reported on the credit bureau that I owe {$300.00}. I have reached out to Affirm and they have refused. I filed a dispute with the credit bureau and Affirm restated I owe them the {$300.00}. When I emailed Affirm they agreed I did not owe the money but stated they would. It correct the reporting to the credit bureau as I paid it off early.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I already reached out to the credit bureaus and to COMENITYCAPITAL/XXXX  with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened a checking account in response to a promotional offer on XX/XX/XXXX. 

The prevailing Supplement to TD Bank 's Personal Deposit Account Agreement, dated XX/XX/XXXX, said " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' and explained the " Checking Offer '' as follows : " To qualify for the {$300.00} personal checking cash bonus : New personal checking Customers must open a TD Beyond Checking account and receive cumulative qualifying direct deposit funds of {$2500.00} or more into the new account within 60 calendar days of the account opening date. '' I had a checking account with TD Bank in the past, but that account was definitely closed before XX/XX/XXXX, so the Checking Offer was available to me as per the Supplement alluded to in the second sentence above. I opened the account and received cumulative direct deposit funds from my employer in the amount of {$3300.00} between XX/XX/XXXX and XX/XX/XXXX in three tranches - {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. Note that XX/XX/XXXX is within 60 calendar days of XX/XX/XXXX. 

When I did not get the bonus after 140 days ( that was the waiting period, as disclosed by TD Bank at the time of account opening ), I sent a message on XX/XX/XXXX using the secure messaging system of the online banking portal. 

TD Bank responded on XX/XX/XXXX : " We have emailed the promotional offer review team. They have responded informing us that the account did not qualify for the promotional offer due to receiving a bonus on a previous account. Upon review, an account opened in XXXX received a {$200.00} bonus. '' I pointed out on XX/XX/XXXX : " The promotional offer stated 'Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. ' Now your team is telling me that I am not eligible because I received a bonus on a previous account. Sounds like terms and conditions being changed after the fact. Looking forward to your response. '' The response came on XX/XX/XXXX : " Thank you for reaching back out to us. We apologize for any confusion. Customers can only ear a bonus for one checking and one savings account. Thank you for your time and be well! " Either the promotional offer was deliberately misinforming the customer or TD Bank wanted to rewrite their advertisement after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XXXX XXXX XXXX This account was from XXXX a judgment was rendered XXXX with https : //XXXX there were no interest charges ordered for this debt however, XXXX has been adding monthly interest charges to this account, and reporting to the credit bureau as in an increase in debt with a current balance of {$110000.00} in an effort to continuously adversely affect my credit score each month in an effort to force me to settle with them to stop them from dropping my credit score each month this is extortion. 

Docket Entries : XXXX XX/XX/XXXX CIVIL FILING FEE {$80.00} LOCAL COURT COSTS {$20.00} DEPOSIT WAS PAID OUT AMOUNT {$100.00} ENTRY SENT TO ALL PARTIES. 
XX/XX/XXXX DEFAULT JUDGMENT : FOR PORTFOLIO RECOVERY IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT JUDGMENT : AGAINST XXXX, XXXX IN THE AMOUNT OF {$1000.00}. INTEREST FROM XX/XX/XXXX AT THE RATE OF .000 % DEFAULT ENTRY FILED. JOURNALIZED S/S GLW XX/XX/XXXX HEARING XXXX @ XXXX XXXX - DEF SCHEDULED BY : DE HEARING NOTICE SENT TO ALL PARTIES. 
XX/XX/XXXX MOTION FOR DEFAULT JUDGMENT FILED BY ATTORNEY XXXX XXXX XX/XX/XXXX CERTIFIED GREEN CARD # XXXX XXXX XXXX XXXX XXXX XXXX RETURNED FOR XXXX, XXXX SIGNED BY XXXX XXXX XX/XX/XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX SERVED TO XXXX, XXXX SUMMONS SERVED ON XXXX, XXXX. 
XX/XX/XXXX CASE WAS FILED WITH COURT DEPOSIT - RECEIPT NO. XXXX IN THE AMOUNT OF {$100.00} SUMMONS ISSUED TO XXXX, XXXX BY CERTIFIED MAIL. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX ISSUED XXXX XXXX, 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 2021-04-22 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX. 
I closed my credit card account number XXXX at Citi a few months ago. 
and paid the balance in full. 
I was told that if there would be some credit posted back to the account by the vendor, that money would be returned to me as a check. 
There has been a credit of {$130.00} after the account was closed and Citi has failed to return that money despite my contacting them 3 times.

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 2021-04-22 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: TX

Complaint narrative:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which Bank of America is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received a response from them but they did not provide the documents that I am asking and they did not update the credit report as disputed. 

I already paid the debt and want the account removed from my credit report. 

Bank of America is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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