vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I'm making claim that Portfolio Recovery Associates in regards to alleged debt [ Account Number XXXX Balance : XXXX ] has violated my rights as a consumer and has failed to comply with provisions of the subchapter { 15 US Code 1692 }.

And in { 15 US Code 1692 ( k ) } ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.

So since I have been greatly injured and has cause me and family great harm ( in attached documents you can see violations and other forms of injury ) by law I that shown above I'm entitled to remedy so I demand that all information be removed from my credit file and all schedule fees due to me be paid in full. My invoice was enclosed in the affidavit I sent to them and it is attached as well. My Mailing information was also in affidavit so they can send payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: NC

Complaint narrative:
I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XX/XX/2022, Refer to complaint # XXXX - I requested XXXX  XXXX  to provide me with the validation of debt Ietter that is required by law, section 809 ( a ) of the Fair Debt Colletion Protection Act. Section 809 ( a ) of the FDCPA requires that within five days after the initial communication with the consumer in connection with the collection of any debt, a debt collector must send a written validation notice unless the information is contained in the initial communication or the consumer has paid the debt. XXXX did not communicate with me through mail do to the fact the address they have on the validation of debt document is not my address and the address IS NOT on my credit reports. I request a reinvestigation of XXXX XXXX. XXXX  XXXX  state that they mailed me a validation of debt letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. The address that XXXX XXXX has on the document is NOT on my credit reports. I have attached the letter XXXX XXXX sent to the Consumer Financial Protection Bureau as evidence. I have downloaded the document and will keep a printed copy. XXXX  XXXX  have violated the laws 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692c - Communication in connection with debt collection - I have asked XXXX  to cease communication with me, but they keep sending me documents. If XXXX XXXX  Experian continue to report this inaccurate information they are breaking these Fair credit reporting act laws.1681. Congressional findings and statement of purpose,1681b. Permissible purposes of consumer reports,15 U.S. Code 1681c - Requirements relating to information contained in consumer reports,1681d. Disclosure of investigative consumer reports 1681e. Compliance procedures,1681g. Disclosures to consumers 1681h. Conditions and form of disclosure to consumers 1681i. Procedure in case of disputed accuracy,1681m. Requirements on users of consumer reports. I HAVE ATTACHED THE XXXX  XXXX  DOCUMENT SHOWING THE ADDRESS.

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 2022-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have a Coinbase account to purchase crypto currency. Coinbase has a tab called Learn and Earn that you use to receive money from crypto currencies to promote their currency. Coinbase added a promotion to advertise their Coinbase wallet. After going through the process of learning about what it was and setting it up I sent {$100.00} of my position in XXXX to it to see how it worked and if it was something I'd like to do. Upon sending the transfer I looked into the transaction and I was charged {$10.00} for that transaction without notification. Once the funds were in the wallet I looked into purchasing other crypto with it and it told me I would have a fee of around {$40.00} in XXXX to be able to do that transaction. I thought that was ridiculous and no longer wanted to participate in something that had such ridiculous fees so I tried to send the money back to my account at Coinbase, the same fee applied. Not only was the fee ridiculous but I was required to pay that fee in XXXX  ( XXXX  ) coins, which means I would have to spend that {$40.00} transaction fee to purchase {$40.00} in XXXX so I could pay another {$40.00} to move my money back to the account I was just in. You see how absurd this is. I have since found out I can lower fees by timing when I do it but lowest fees I have seen are {$25.00} or so. None of these enormous fees were disclosed by Coinbase. I don't expect to get all my money back but Coinbase should be made to disclose how bad these fees are before you are trapped into to just giving away your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
repeated calls reguarding attemp to collect a debt tried blocking, continue calling,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted 4 notarized dispute letters with documentation supporting my claims via certified mail to XXXX and Transunion on XXXX/XXXX/22. 

The post office confirmed that they was delivered and XXXX and Transunion said they didn't receive them and refused to fix the inaccuracies on my credit report. 

I tried to reach out to both Transunion and XXXX but was unsuccessful with resolving this matter. I also have the certified mail receipts to support my claim.

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 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card issuer, Bank of America, has refunded my payment. I have not asked the issuer to refund my payment. 
This is the third time this has happened in the past two years. 
It appears that the issuer refunds my payment so the issuer can charge me interest. 
If this is the case, this is fraud, because it does lower my XXXX score and that can be injurious to my finances and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My home address is not correctly shown as is on my drivers license on all sections of my Experian Credit Report which may potentially cause errors in accessing my credit file by potential creditors.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im writing regarding my missing 0 % intro apr. On the webpage of the application for the USbank cash plus card, it has the 0 % intro apr on purchases and balance transfer for the first 15 billing periods. I applied and got approved for the card this year XXXX. However, after I was charged interest and a phone call with a card member agent, I was informed that the 0 % intro apr is not applied to my account. 
0 % intro apr for 15 billing periods was part of the reason I applied for the XXXX XXXX card. The 0 % intro apr is still on the webpage.

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 2022-02-25 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I regret having made a {$830.00} dollar order online thinking I would get quality customer service from your XXXX store. 

I made a online purchase on XX/XX/XXXX for an installation of an XXXX XXXX and was told by the installation department they would not be able to perform the install. I was instructed to cancel the order. I did so and only received a partial refund of {$670.00}. 

I called the XXXX store asking for help and spent XXXX hours being transferred, put on hold and eventually hung up on by the Digital department. I spoke with another department and a lady with a difficult to understand XXXX  accent was very rude and hung up the phone.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
sent equifax a letter requesting a credit report XXXX  times, fust received a letter from equifax to get my credit report they want me to send them a copy of my drivers lic and social security card for the third time, this has been months and many calls to get this resolved to no end.i believe they are in violation of the law by not giving me my credit report.They are refuseing to take any online dispute, also they have my date of birth wrong, and added a sr at the end of my name.so at this point i can not get a copy of my credit report to dispute anything.XXXX XXXX  reports a equifax fios XXXX and at equifax site it reports XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
1. What happened? 
JPMorgan Chase bank representative, via the telephone call center located in XXXX, TX, asked me for a XXXX XXXX and/or XXXX  to confirm my identity. To begin, this took place at the Chase branch ( XXXX XXXX. XXXX XXXX, XXXX, I ), when I was instructed to go to a local branch to confirm my identity ( to provide my driver 's license, since my accounts were locked ). 

Chase employees at the branch ( XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX  XXXX  ), confirmed my identity once I arrived ; however, the Chase representative didn't believe their own Chase employees and began questioning them. Chase was attempted to hold XXXX plus for the next XXXX until my identity was confirmed. 

I have been banking with Chase for 13 + years, XXXX credit cards, a past mortgage, so Chase has all of my information on file, and to be asked to produce a XXXX XXXX and XXXX  for a US Citizen violates my Civil Rights and Chicago Human Rights Ordinance. To this data, Chase hasn't responded to the complaints the employees submitted, nor my complaint submitted to them. 

Chase has confirmed my identity numerous times with credit information and or background questions, but this representative went outside of Chase rules to ask for documentation that isn't pertinent nor relevant to my situation. 

This is a violation of my Civil Rights and Chicago Human Rights Ordinance. 

2. Dates, places, and the names of the people directly involved. 
XX/XX/2022, XXXX XXXX. XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, Chase employees & person on the telephone in Chase Fraud division.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I received a settlement letter from Medicredit INC with an outstanding balance of {$1600.00}. I was told if I paid {$830.00} that this would settle and close out the account. I wrote a check for {$830.00} which cleared my bank on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX after getting messages that I still owed them money and talked to a young lady that told me the account had been sold to their secondary company on the XXXX of XXXX and I was now going to have to pay the secondary company. Medicredit INC says I still owe them the {$830.00} to get this off my credit but they already cashed my check, so I asked to speak to a supervisor and was told to leave a message that they never returned. Got a call on XX/XX/XXXX and talked to XXXX XXXX Who again told me that Medicredit INC had sent my account to their secondary company on the XXXX after they had already cashed my check on the XXXX of XXXX, demanding I still needed to pay the additional {$830.00}. I Told her that they needed to return the check they cashed because they took the funds without providing the agreed upon service. I would then send the money on to this secondary company that they sold it to. XXXX XXXX said they would not return the money and that I would have to pay their secondary company an additional {$830.00} before they would remove it from my credit. From my understanding after Medicredit INC cashed the check they should have closed my account. I am failing to see how it is legal for a company to take my money then renege on the contract and sell it off to a parent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I took out a loan for a used vehicle with XXXX XXXX XXXX. I have made many payments in person and online. Because I am paid ahead till XX/XX/2024 I want to make principle only payments. I am not able to do that online and when I went into the office I was told I can't make principle only payments there either. That the computer decides. So far, every payment I've made they take out a finance charge. I don't think this is right. 

I was also charged XXXX years worth of car insurance, life insurance, and auto club fee without telling me. When I noticed the additional charges that same day they removed the fees when I provided my XXXX  page from my insurance company. Had I not noticed these charges I would have been paying 2 car insurances. What I don't agree with is my finance balance would not have incured so much finance charges. Those fees were almost {$7000.00}. They issued me a check which I applied to the account but the original bal was calculated with a higher amount and a higher f/c was applied. I feel I'm due the credit and the f/c should be based on the correct amount of the vechicle. 

I'm concerned about the people that are taken advantage of when they do not know they are paying these unnecarsary fees.

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 2022-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Huntington Bank merged with Chemical Bank who had purchased the HELOC that I had with TCF Bank. On XX/XX/XXXX we received a Pay-off letter in the amount of {$190000.00} with an additional calculation of {$26.00} to be paid for each day after XX/XX/XXXX that was required for the title company to issue payment. 

My title company paid {$190000.00} which represents and additional 17 days interest to pay the account through XXXX XXXX. Huntington Bank claims to have received the funds on the XXXX XXXX XXXX but is stating that the funds were insufficient to pay-off the account and now continues to bill me in the amount of XXXX XXXX  monthly. 

The cap on this HLOC was in the amount of {$190000.00}. I asked for a forebearance/deferment on the required interest payments in XX/XX/XXXX due to Covid 19 and did not pay XXXX - XXXX payments. resulting in a deferred amount of {$2500.00}. I made up these missed payments in the subsequent months and my HLOC once again became available for my use in XXXX XXXX XXXXXXXX. 

Specifically, I have repeatedly requested Huntington Bank to provide an accounting as to how a {$190000.00} max HLOC required a payoff in the amount of {$190000.00} and how {$190000.00} was not sufficient to pay this loan in full. The response I continually receive - over the course of the past 3 months of attempting to resolve this dispute is for Huntington to continue to provide me with and explanation that contains incorrect math. I am being told that the {$190000.00} created a shortfall to the {$190000.00} demanded in the payoff. I have been told that there is an additional calculated interest for the month of XXXX- even though it is already calculated within the pay-off demand and that the deferred interest has not been paid such that they now deem me responsible to pay an additional {$720.00} to pay-off and close this account. Never have they provided me with the day-to-day ledger for the life of the loan as I have requested. This loan began in XX/XX/XXXX and was scheduled to be closed in XX/XX/XXXX. There should be NO difficulty in issuing the 4 years - 48 months of statements and records that should prove that the loan has in fact been paid in full and that there is an overage due to be reimbursed. 3 months of letters, phone calls and emails and yet no one has actually taken the time to properly audit this loan and get a solution.

Company response to consumer: Closed with explanation