vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have had a Discover credit card for years. I saved this card for emergencies. Imagine my surprise when I tried to use it and couldn't. I contacted the company and was told it was cancelled for inactivity! No balance was owed, nor late payments made. Just because I had not used it they closed my account and I have to repeat the application process to get a new card. Ridiculous!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: CA

Complaint narrative:
I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not reverse the late payment. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the account XXXX  XXXX with Equifax for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
My mortgage was transferred to XXXX, then to XXXX XXXX XXXXXXXX, then to XXXX, now to XXXX. XXXX XXXX holds my half mortgage payment until they receive the whole mortgage payment. I pay them on time or within the grace period. They retain the interest they are earning on holding my half payment. They hold the half payment until they receive the other half and then apply it to my account. I called them XX/XX/18 to discuss this and they insist that it is not their policy to accept biweekly payments. This policy is not listed in the " Welcome! '' materials they sent me. I did not ask to have my loan transferred, yet again, to a company that I can not trust is following ethical and legal banking practices. The supervisor in customer service at XXXX tells me that they also can not apply extra funds to my account unless I tell them where to apply it. Logic  tells me to automatically apply extra funds to principal unless I ask them to apply to interest or escrow. XXXX insists that i have to tell them where to apply the funds. My XX/XX/XXXX payment had an extra approximately {$5.00} included. They automatically applied it to principal. Yet on the phone, they tell me that I need to tell them where to apply it. After I pay XXXX 's payment in full, if I send them a half payment on XX/XX/XXXX, they will automatically apply it to principal instead of hold it for XX/XX/XXXX payment. This directly contradicts what they said about holding payments until they receive full payments. 
I believe XXXX XXXX  is not allowing me to pay principal faster, forcing me to pay full interest when I am sending them money ahead of the due date. They are also retaining the interest earned on holding my money. It needs to stop. They are stealing my money, fraudulently holding it for their own gain, and misleading financially sound consumers trying to pay their mortgage down faster. This system is set up to fail the homeowner and only pads the pockets of mortgage companies. It needs to stop.

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 2018-10-26 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: CA

Complaint narrative:
I have disputed the account XXXX XXXX XXXX  XXXX with Experian for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the 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 2018-10-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
I have filed complaints against this company in the past. I demanded them to cease and desist " Payment Reminder '' calls and any contact whatsoever unless the payments are behind. I have called many times to demand removal from Auto Reminder for payment calls. After speaking with the company XXXX today, the agent stated it is ( has been ) noted in my account NOT TO CALL, TEXT, OR EMAIL me for any reason other than delinquency. Under the FDCPA I have the right to ask creditors to Cease and Desist yet this company XXXX continues to harass me on the day of payment using auto dialers. I am making this a matter of public record by making this demand formally on the CFPB complaint. No contact at all, XXXX is to CEASE AND DESIST all communications with me unless a payment is late. Future complaints will be through the Attorney General in Indiana. I will not warn them again.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on (  XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. 

I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. 

I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.

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 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is my 2nd complaint about XXXX. Between XX/XX/2018 and XX/XX/2018 I received 31 recorded calls from half a dozen different phone numbers with caller ID " XXXX. '' This time a recording says something about my alleged XXXX XXXX credit card. I DO NOT have such a card and I DO NOT owe anything on any other card. 

Earlier this year XXXX called me up to 3 times a day with a recorded message about an alleged debt incurred by someone named XXXX XXXX. That is NOT my name and I AM NOT that person. XXXX 's recorded message said to press " XXXX '' if I was not that person. I pressed XXXX several times, but XXXX kept calling. At the time I filed a complaint on the Gov. Do Not Call site. Incredibly, the phone calls stopped after that! Now, after a pause of several months, the calls have resumed. I am being harassed by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received several calls from the number XXXX with no message left and a friend of my parents I haven't seen in 20 years received a call from the same number saying they were trying to contact me to deliver legal papers. 

When I called them back they would not give me the full name of their company, just Absolute. 

They told me they were collecting on a debt from Cashnet USA from XX/XX/XXXX.

My wife and I were victims of ID theft in XX/XX/XXXX and this is one of the accounts that were opened in my name. I have provided Cashnet USA a copy of the police report several times yet they still sell this bogus debt to third party collectors. 

I asked " Ms XXXX '' at Absolute where I should send the ID theft docs and the police report and she said I wouldn't need to. Seems like they would need the documents since they claimed they have already started legal action and were looking to serve me with legal papers. I asked again for an address or fax number and she said she would send it to her fraud department and they would take care of it. 

There are two issues here. 

1st : Cashnet USA is aware this was fraud yet they refuse to remove the debt and continue to use third parties to collect even though they know the debt is bogus.

2nd : The collection tactics used by this " Absolute '' company are a clear violation of FDCPA and UDAAP. They are threatening legal action when they really do not use legal action on their accounts. They contacted a third party and told him they were trying to deliver legal papers to me. They actually contacted him before they attempted to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I followed every protocol according to the Fair Debt Collection Practices Act. I sent cease and desist letters within a certain time frame and I disputed the validity of the debt because it is my personal preference to deal with the credit card company directly. Forster and Garbus LLP refused to obey any laws put in place and I've had enough. I made a complaint with the attorney general office with no results. They proceeded to start a lawsuit in XXXX County Civil court despite me following all laws ( under Index # XXXX ). Please keep in mind the reason why the debt was not being paid is because my wife was laid off for about a year and a half and we have XXXX children. Some things had to fall behind in order for me to provide for my family. Now that my wife is working, I was planning on paying the debt, but before I could get an opportunity, Discover sold the account and I've been harassed ever since. They started the lawsuit ( Forster and Garbus LLP ) and never notified me. I found out from an attorney 's office who wrote me asking me to hire them to represent me. Why are laws in place if they do not have to follow them? I am asking you to please help and investigate so they can not illegally try to garnish my wages. Any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Three accounts opened online in XX/XX/2018 with {$1000.00} each for a total of {$3000.00}. BMO has frozen accounts and continues to charge {$7.00} in fees per month while I have no access to my funds. Multiple 30 minute phone calls with BMO customer service and no resolution. Advised to call 'XXXX  XXXX. ' in fraud department, called and left message with my call not returned. Received email asking for documents to proof identity, returned email with all requested documents in a timely manner. No response. 

Went into branch on XX/XX/18 to verify identity and resolve but the branch was also unable to unfreeze my account and refused to refund the fees that continued to accrue. Asked if I could just close my accounts and get back my {$3000.00} deposit but was told the {$14.00} in fees will not be returned. 

Unacceptable to freeze account, charge fees and refuse to unfreeze account even after identity verification completed in branch.

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 2018-10-26 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: CA

Complaint narrative:
I've disputed Experian for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in 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
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have issues with Chase dating back for a couple years now regarding NSF fees. I do take accountability for my part of negligence of having allowed my transactions in the past exceed my available balance. However, in the past I have placed countless calls to Chase customer service seeking forgiveness and have the fees refunded to me. In some cases I was successful in getting a couple refund and in most cases, was unsuccessful. After having spoken to many agents, I believe there is a shady practice where they are not doing whats right by the customer. In my calls, it was clear I was distraught over the fees and struggling. Many times the agents wouldnsee that I have called in the past about this issue and that I was struggling. At no point did any agent proactively offer a solution that would have prevented this a long time ago, even when I asked for solutions. Come XX/XX/2018 - finally, one agent proactively offered that they could turn off the Debit Card Protection that would prevent one time transactions. Wish agents would have mentioned this a long time ago because in the last 2 years I have been charged nearly {$1000.00} in NSF fees. Again, I take responsibility on my part for not being filligient and looking at my debit card account multiple times a day. However, It appears to me that the leaders of call strategy train their agents not to proactively offer this as a solution so that consumers could potentially go over their balance, thus resulting in NSF fees so that they can collect more money. I think this is a very shady tactic and only benefits the greed of Chase and not provide viable solutions to their consumers for a better experience. Please investigate..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
1 ) I am having issues/problems to pay my mortgage sinceXX/XX/XXXX. My mortgage company is MR. COOPER a/k/a Nation Star 2 ) With the help of NJ Citizen Action, we filed for Mortgage Modification and Mr. Cooper approved a TRIAL PERIOD on XX/XX/XXXX. ( Letter was received late on XX/XX/XXXX. However, I did the required payments for months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( see attached ) 3 ) On XX/XX/XXXX via email I express to Mr. Cooper the reasons I was not agreeing on signing the Contract with the modification ( see attached ). 
4 ) OnXX/XX/XXXX I sent a letter to Mr. Cooper inquiring about my modification ( see attached ) 5 ) On XX/XX/XXXX I sent a letter to Mr. Cooper again inquiring for detail as of how they applied my payments. ( see attached ). 
6 ) On XX/XX/XXXX I made another inquiring to Mr. Cooper ( see attached ). 
7 ) On XX/XX/XXXX NJ Citizen Action representative Mr. XXXX XXXX filed a second application for Mortgage Modification, and explain on it that my financial situation have been worsening due to loss of rental income. However, that if received a modification as presented before, I will be able to make the payments. 
8 ) On or around XX/XX/XXXX, I contacted Mr. Cooper, they claim that they never received the application for a Mortgage Modification filed on XX/XX/XXXX. Mr. XXXX XXXX proceed to re-filed ( see copy of email attached ) 9 ) On XX/XX/XXXX, I have a phone conversation with Mr. Cooper representative, when I inquired about the status of Mortgage Modification filed on XX/XX/XXXX and re-filed on XX/XX/XXXX She stated " Your application was denied on XX/XX/XXXX '' at which I replied " But I have not received any letter stating that '', She claim " oh yes a letter was sent '' ; my response was " I need a copy of that letter so I will be able to discussed with NJ Citizen Action Representative and make a decision as of how to proceed ''. 
10 ) On XX/XX/XXXX I received a letter from Mr. Cooper, DENYING the Mortgage Modification application with a PRE-DATED DATE OF XX/XX/XXXX and the reason for denial is " LOAN PREVIOUSLY MODIFIED ''. ( See attached ). 
11 ) This denial is a violation of my rights for two reasons. a ) Mr. Cooper did not informed me on a timely manner of their denial, they pre-dated a letter ; after using a very informal way of doing business ( a verbal notice via their representative ). 
b ) Their have not been a LOAN PREVIOUSLY MODIFIED. It was a Trial Period which I complied 100 % on. 
12 ) Mr. Cooper need to explain how monies paid to them are used in detail and stop their practice of responding only verbally to a serious legal matters.

The people involved in this matter are Myself, Mr.Cooper a/k/a Nation Star and NJ Citizen Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Seniors should be especially wary of doing business with this company.The Union Bank  may publish a meaningful disclosure of credit terms, a requirement of Truth in Lending, but the Bank utilizes a non-standard accounting system, inconsistent with American Accounting Standards because it allows them to open multiple accounts in your name in which to hide false filings ; and facilitates undocumented false demands. False charges are hidden there in small print. A {$600.00} charge for an appraisal is hidden in one of three accounts opened in my name ( without Notice and Agreement ) when no appraisal had actually been done. That happened months ago, but they still have not rectified the charge. This is a super greedy company. seniors beware! seniors should not do business with this bank unless they are experienced in dealing with rogue banks.

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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not had any success with contacting the credit bureau and the online dispute center does not allow me to sign in. There is a fraudulent bankruptcy reporting on my credit report, this has been reported to XXXX  and they have removed it due to finding that it was indeed fraudulent. With no success reaching Transunion I am now filing a complaint to have the fraudulent record removed because I did not file a bankruptcy

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 2018-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a long time customer of capital one and maintain a large portion of my savings there. Rather than increase the interest rate on their existing savings account they created a new product with a very similar name and applied a higher rate of interest to it. Existing savings account holders are thinking they are receiving this higher rate as the name of the new product is very similar and why wouldn't be receiving the higher interest rate? Rates have certainly been going up over the last year. Capital one 's only objective in creating this product was to dupe existing account holders into receiving a non-market rate of interest. 
Why not just offer the higher rate on the existing account? BECAUSE they are ripping off existing customers by paying them a low rate of interest.

Company response to consumer: Closed with explanation