vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to XXXX XXXX XXXX defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( XXXX XXXX XXXX ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( XXXX XXXX XXXX ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( XXXX XXXX XXXX ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. Transunion ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( XXXX XXXX XXXX ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( XXXX XXXX XXXX ) continues to be non compliant to the FCRA by false publication of unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( XXXX XXXX XXXX ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( XXXX XXXX XXXX ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( Transunion ) and Person ( XXXX XXXX XXXX ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( Transunion ) and Person ( 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 2020-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
My debt was sold to Ad Astra from XXXX XXXX. I sent a cease and desist to Ad Astra via mail and fax XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, KS XXXX-XXXX  & at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX-XXXX  and via fax at XXXX to inform them I would settle my debt with XXXX  XXXX and awaited a return notice, I never received a return notice that they would not proceed. I sent all 3 methods to ensure they got the notice. However, Ad Astra put a debt on my credit that I do not have with them and do not wish to proceed in recovery with them. I have not moved forward with XXXX XXXX because I can not afford to pay XXXX XXXX and the collection company. The collection company has disregarded my notices. I have resent to them certified mail XX/XX/XXXX and will get confirmation from the post office of my previous mailing to provide to your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Those accounts are not my accounts

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 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: CA

Complaint narrative:
https : //www.nationalrecovery.com/ Company failed to send written notice of intent to collect a debt, even though they had address on file. 

Collections opened XX/XX/2019 for {$130.00} without notification Multiple attempted phone contact through number not connected with company, meaning anonymous phones calls were being used by collector to document illegitimate attempts to contact ; failed to leave any message identifying caller and purpose of call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NY

Complaint narrative:
Those accounts are not my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: NY

Complaint narrative:
Those accounts are not my accounts

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 2020-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was notified of a inquiry on my XXXX credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a XXXX agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... XXXX  IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

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 2020-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: OH

Complaint narrative:
I used cash app card to get my federal and state refunds, they are there but not being released to me. My account number is Routing Transit Number : XXXX Account Number : XXXX. Transactions are one for XXXX from the IRS. The other is XXXX from OH Dept of Transportation. I have tried several times to get my money. It is saying my card is closed for no reason. I have to email them there is no phone support I have sent them everything they ask for over and over for a week. The company is just CASH.APP it says it goes through XXXX XXXX  XXXX XXXX. Please help get my money. My name is XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The phone associated phone to the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I requested an ACH principal only transaction in the amount of {$16000.00} at my Mortgage Servicer XXXX XXXX. I requested this amount be transferred from my account at XXXX XXXX XXXX. On XX/XX/XXXX, I saw that the payment was returned NSF. I knew there was enough in the account to accept the transaction at XXXX XXXX XXXX. I then called and spoke to customer service about the transaction at XXXX XXXX XXXX. The confirmed that the account did have sufficient funds to accept the transaction. They then searched their records for an ACH during the week of XX/XX/XXXX to XX/XX/XXXX in the amount I requested. They did not find any ACH requests during this time. They suggested that I call XXXX XXXX and get the ACH trace number so they can find what happened to the transaction. 

I then called XXXX XXXX, also on XX/XX/XXXX. I explained the situation to them. The Customer Service rep I spoke to said they had no ACH trace number attached to the file, and as such, they would refund the {$15.00} fee they assessed my account. This refund would occur in 3-5 business days. 

On XX/XX/XXXX I checked my account to verify the fee had been removed. It had not. I then called XXXX XXXX a second time. I spoke to a Customer Service Agent who told me that there was no trace number. I was then told there was a trace number, but they would not give it to me. Either way, my {$15.00} fee would not be refunded. I told her that their company is required by ACH rules to disclose the trace number so that my bank could research the situation and find out what went wrong. I was told no. there is no way they will give me the information I need to solve this issue. 

At this point, I do not believe XXXX XXXX put my ACH request thru and are covering themselves. I have spent over 3 hours on the phone concerning this as well as the time to lodge this complaint. I am requesting the NSF designation be removed from my account and the fee refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
I reviewed my credit report on XX/XX/2020 and I noticed a collection account from ERC on my credit report for XXXX XXXX bill. I was unaware that I had a balance with XXXX so, I contacted XXXX. Although I didnt remember owing XXXX for service, I submitted and XXXX accepted the payment. Since XXXX accepted the payment, they should have recalled the account from the collection agency -ERC. I filed a disputed via XXXX  for the collection account and ERC verified the debt as valid debt and a valid account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX 2020 I made a payment on our capital credit card in the amount of {$3700.00}, bringing my balance to {$0.00}. When my statement closed on XXXX XXXX 2020 they charged me interest on my {$0.00} balance, that charge was {$72.00}. I found this out when my online statement was sent yesterday XXXX XXXX. They are telling me that because I had a balance at the beginning of the cycle on XXXX XXXX, that is why I got charged interest. Seems very backwards to me because they charged interest at the beginning of XXXX billing period, and now at the beginning XXXX billing period. So it seems they have charged interest on the same amount twice. I got billed interest on XX/XX/XXXX in the amount of {$81.00} and now getting billed interest again on XXXX XXXX for {$72.00}. When we call the company they explain it that interest gets charged at the beginning on the billing cycle regardless of what you do during the month. Which means since I now have a balance again because of this bogus charge, I will have a interest charge on my XXXX billing cycle. Something really seems messed up about this and if this is how they are doing business, it explains why people can never get out of credit card debit. We have requested from them a credit for the {$72.00} and been told no. I have spoke to a customer service rep named XXXX, and a supervisor named XXXX. My wife has also spoke with customer service and supervisors. Calls to customer service have been made on XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: IN

Complaint narrative:
This personal loan dates back to XXXX. However, when this company sold my loan to the company " SST '' my loan started over, with a maturity date of XX/XX/XXXX. However, my loan was almost paid off in XX/XX/XXXX, but XXXX has only provided the last contract which is not correct, showing double of what is owed on this loan. The original loan, from XXXX should have been paid off in XX/XX/XXXX and the new loan started in XX/XX/XXXX. However, I only borrowed {$3100.00} and the contract that XXXX presented to STT is not what I agreed to. I have no way of obtaining my original documents, due to the fact the website is shut down. XXXX never informed me they were ending their business nor transferring/selling my loan. I was not aware of what occurred, until I started seeing a different name ( SST ) pulling funds via ACH out of my banking account, although I never gave SST my banking information, to take payments via ACH out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I spoke on XX/XX/2019 to XXXX XXXX about my past due balance to Synchrony Bank. I explained that a recent divorce and medical issues had caused me to get behind but that I did want to get current on my payments. He explained that I could pay a lump sum of {$620.00} and then {$110.00} per month thereafter to bring my account current. I made the payment of {$620.00} just a few days later and a payment of {$110.00} in XXXX. 

I started getting calls again in late XXXX saying my account was past due. I spoke to XXXX XXXX who communicated to me that because I had mentioned that I was considering bankruptcy in the XX/XX/XXXX conversation, that those payments somehow didnt count to bring the account ( there was a language barrier and I didnt understand his reasoning ) current and that I will need to work out a new payment arrangement with him. 

I asked to speak to his manager, and was transferred to XXXX XXXX. She was extremely difficult to deal with in general, but said that the earlier payment arrangement isnt valid anymore and I would need to work out a new one with her since the fees were different now. 

She offered me a new payment arrangement of : XXXX- XXXX XXXX- XXXX May- XXXX XXXX- XXXX XXXX- XXXX XXXX  XXXX  Clearly refusing to honor my earlier agreement from XXXX. She also emphasized that I would need to schedule these payments with her automatically from my checking account and I could not pay by check or use my bank accounts bill pay feature. I was very skeptical to provide my bank account information due to the apparent disorganization on their end providing multiple catch up arrangements and I also prefer to make payments on my paydays rather than having to reserve the amount in my checking for automatic payment. 

The refusal to honor my agreement with the first representative I spoke to now puts me in a bad situation and it will be hard to catch up on this balance. I understand that I have fallen behind and I want to get caught up but its difficult when the Company just changes their mind about your workout arrangement. It just feels like Im being played with and they are taking advantage of me when I am already in a vulnerable situation financially.

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 2020-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XXXX Synchrony Financial Bank closed my HSN credit card just because I did not own a home and that is descrimination against non home owners .... This card I had since 2013 AND EXCELLENT PAYMENT HISTORY WITH XXXX  XXXX  the previous owner of card or issuer before this troublesome bank.

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 2020-02-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Problem : XXXX XXXX sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..

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 2020-02-26 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
i accidentally made a payment for {$750.00}, it was supposed to be XXXX $ back on XX/XX/XXXX, i have contacted the bank on XX/XX/2020 they made me send proof of payment which was sent XX/XX/XXXX to operations research and when i called on XX/XX/XXXX i spoke with XXXX she said refund was issued XX/XX/XXXX, and they they would expedite my refund so 3-5 days but she did not sound to sure of her self so i called be back the next day spoke with XXXX in disputes, XXXX in customer service and billings who transfered me to XXXX who said my refund should be 7-10 days and they would mail a check. well its now the XXXX and no refund. when we spoke with reps i asked to file a complaint about the deceptive practice of lying and how they are misleading me about the process of a refund and the story keeps changing every time i call. 

on XX/XX/2020 i called and spoke to XXXX in XXXX XXXX texas she is a supervisor who was rude and deferred any actions that were not taken by previous reps and told me that they did not start any process to refund till the XXXX, this seems very dishonest and deceptive that i have been lies to and that the company held my money for 2 weeks before they decided to refund me my money, she also did not state anything about the complaint i had filed my bank was unable to recall the payment because its was electronic payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-26 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Penfed credit union has not let me make a payments online since I have balance transferred onto my credit card. The issue is that I am not authorized to add an external account to setup autopay or make any sort of payment. I have called numerous times to figure this out and have made over the phone payments in the meantime. I have been late every month due to this issue. I take care of my elderly parents and am in the process of purchasing a home to move them in with my family. I have not been told the real reason on not being able to setup online payments through their portal until XX/XX/XXXX when I called again. I had a 5 day hold on my savings account which in turn would not let me add my checking # and routing # into their website to pay my credit payments or setup autopay. This month I was more than 30 days late due to not being able to setup auto-pay I was finally told that my credit needs to be run to remove the 5 day hold. My credit was initially run to obtain a {$5000.00} credit limit card with Penfed. 

First Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Second Call XX/XX/XXXX ( Could not find the answer on why I am unable to add external account ) Third Call XX/XX/XXXX. ( Finally told me why I am unable to add external 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