vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On two of four billing cycles with my XXXX Credit Card ( Comenity Bank ), I was charged late fees and interest. In all four instances, the payments were sent electronically by my bank ( XXXX XXXX XXXX  ) well in advance of the due date. Each statement also clearly states that finance charges would occur if the payment was not received ( as opposed to cleared or processed ) by the due date. In the two cases where I was charged late payment fees and interest, both payments were sent electronically 7 days ( XX/XX/XXXX ) and 8 days ( XXXX XXXX ) in advance of the due date ( XX/XX/XXXX and XXXX XXXX respectively ). My bank advised that I allow 5 days for each payment to reach Comenity. My bank record show that neither  payment was cleared ( processed ) by Comenity Bank until 8 days ( XX/XX/XXXX XXXX and 12 days ( XXXX XXXX ) respectively. One of the four billing cycles in which I was not charged a late fee was when the payment was sent on XXXX XXXX ( due XXXX XXXX, cleared on XXXX XXXX ) and XX/XX/XXXX ( due XX/XX/XXXX, cleared on XX/XX/XXXX ). 

I called XXXX after receiving the late fees and interest charges on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared on XX/XX/XXXX ) and the XXXX agent acknowledged the mistake and removed the charges. I notified Comenity ( instead of XXXX ) the second time it happened, on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared XX/XX/XXXX ). I also want to note that I sent the XXXX payment on the same day that I received the XXXX. Statement from Comenity via email, just to make sure the payment got to Comenity on time. In my secure message conversation with Comeity about the problem, their agent informed me that they waived the XXXX charges as a onetime courtesy and refused to entertain the idea that any fault may lie in their management of my account. I then contacted XXXX and the XXXX agent removed the fees, but said it was because XXXX did not want to lose me as a customer. Like Comenity, she would not consider the idea that there may be some problems with how Comenity is managing XXXX customer charge accounts. 

I paid off my balance with Comenity, minus the late fees and interest charges and will cancel my XXXX charge account after the payment for items I bought since the XXXX. Statement clear my bank. Although my problem has been resolved, I am filing this complaint because I have serious concerns that other XXXX and Comenity Bank customers may be experiencing overcharges with respect to late fees and interest charges on balances. If it happened to me in two of only four statements total ( 50/50 chance in my case ), and I still don't know how to avoid the problem in the future. it seems likely that this may be happening to others who do business with Comenity or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
TransUnion reporting XXXX XXXX  XXXX XXXX account closed on XX/XX/2018. Numerous documents by myself and XXXX XXXX  have been sent to reflect account open good standing no late payments. This has been going on for over 14 months and TU still reporting inaccurate.

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 2019-11-07 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: NC

Complaint narrative:
VA claims a debt was owed to them since XX/XX/2019, when they made no attempts to contact me whatsoever. I only found out after I received a notification that my credit score had dropped. Given that I was not notified of the debt, and the VA is unable to prove they attempted to contact me, the credit bureaus should remove the negative note from my account but are refusing to investigate further into the matter. Furthermore, I paid the VA debt after discovering it, with the account closed in XX/XX/2019. Experian is still reporting the debt as in collections even though the debt is paid and I have submitted proof of payment to them.

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 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my I can't complain regarding Chase Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by Chase denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX Chase is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to XXXX XXXX XXXX   with incorrect information stop my taxes and loan history. 

I received a letter from chased which I am including as a PDF with this complaint Chase did not fixed my property taxes according to XXXX County. 
I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by Chase respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX never missed a payment because of Chase negligence and unfair debt collection my credit score dropped 300 points and Chase servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of Chase negligence. the new servicer has received incorrect information from Chase transport in XX/XX/XXXX. Chase 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I was unable to make my XX/XX/2019 car payment to Honda financial so I called to inform them. I was told that I could skip a month and put it at the end of my payments because I had a good credit history with them. I asked if this would affect my credit history the gentleman that helped me said, certainly not this was a courtesy to help me. 
My XX/XX/XXXX payment was paid but later found out through my credit report that I was late with my XX/XX/XXXX payment and Honda skipped XX/XX/XXXX payment. That was not the arrangement I initially made. I would like this taken off my credit report because it is affecting my score and I have worked very hard to diligently make my car payments on time and have been successful at it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 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: CA

Complaint narrative:
I have sent in police reports showing that XXXX XXXX accounts are fraudulent along with FTC form. XXXX and transunion continue to report inaccurate information.

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CARD Corporation
State: CA

Complaint narrative:
I lost my card so I cancelled it so no one could use it. I then realised the address on my card was not my updated address so therefore I changed my address on the app. And when I called card.com to see where my card was they told me that I needed to verify my address change, I said ok no problem. I sent over at least 10 emails to the email provided with everything that was asked such as pay stubs ID with by the way the same address that I'm currently residing because thats my address, you can probably see how horrible this is. Each time I sent my documents next day I got an email saying they cant verify a very clear photo of my documentations. This is very poor customer service as I have 70 dollars on my account that I can not use because they decided be terrible anyways this has been going on for about 3 weeks now They need to be held accountable for this. Again this is card.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I deposited to my business account an IRS refund check dated XX/XX/2018 upon which I hold Power of Attorney. The check for the amount of {$5100.00} posted to my account XXXX on XX/XX/2018 and upon its clearance has since sat in my account blocked from my use! I have called the SunTrust Bank repeatedly and was told that my funds can not be released and that SunTrust Bank has the right to hold on to my funds and have yet to explain when I will have my funds released. It has now been ( 1 ) years since I deposited the check and I do not have an explanation from there representatives as to what they intend to do with my deposit. I am asking for assistance from the CFPB to get to the bottom of this and extend direction as to my legal rights regarding the loss ; hardship and punitive damage this bank institution has caused me and my business. 
I request the SunTrust Bank request my supporting document the POA via their internal portal or email.

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 2019-11-07 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/19 I deposited a check in the amount of {$12000.00} into my Bank of America small business checking account and I was notified that there would be a hold on this deposit until XX/XX/19. I called the customer service line and was told that they didn't know why there was a hold. Then I contacted my local branch in XXXX CT and they didn't know why there was a hold and there was nothing they could do about. I never received in writing why this hold took place. 

Since XX/XX/XXXX I have deposited several large amounts and have not had a problem. Then on XX/XX/19 I deposited a check in the amount of {$10000.00} and was told there would be a hold until XX/XX/19 so I went into the local branch in XXXX, CT and the manager told me the reason it has a hold is the check was not made out exactly like the name on the account and there was nothing he could do. This was the 3rd check in a month from the same person and I had no trouble with the other 2 checks.

My problem is that the money cleared the bank where the check was written. So now I don't have the money but Bank of American does and I feel that I am being scammed by Bank of America. Once my hold is over I will be switching banks. I have had this business account with Bank of America for over 30 years. They just don't seem to care about a small business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp
State: CA

Complaint narrative:
My husband opened up his own account which i did not have any knowledge until he was ill. I only found out about it when a collection agency phoned and asked to speak to my husband. I told them that he was ill and unable to talk. They continued to call and I continued to tell them that he was unable to take and is very ill, this was over 2 month period approximately 10 time. I finally told them that he was to dyeing and they did change their tone. Then under stress I established a payment agreement and that is when I started receiving notices from Alpha Recovery Corp. Once my husband died, I called them to let them know that I was unable to pay the agreed amount and if we can decrease the amount, they TOLD ME THAT I NO LONGER HAD TO PAY AND CLOSED THE ACCOUNT ON XX/XX/XXXX AT XXXX XXXX DST. 

In XX/XX/XXXX, I decided to refinance my home. Found out that their was a negative comment on my credit profile. I looked into it and finally found out that it was the Alpha recovery Corp., on XX/XX/XXXX. They informed me that I needed to pay the amount if I wanted it off of my credit report. They did mention that this is NOT A JOINT ACCOUNT. I then asked them why does it show joint on my credit report, they did not directly explain it but mention that I need to pay it if I wanted to get my loan. He said, If I pay the loan, he can give me 10 % off of the balance. I said then why did they tell me on XX/XX/XXXX, that I did not have to pay. He said that was the best he can do. He has not called me back as of today, XX/XX/XXXX. 

This does not seem right. I was willing to pay on XX/XX/XXXX with a lower amount and they said NO, I was not obligated to, it was not a joint account. Now they want the balance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
My servicing company is Lakeview Loan Servicing. They are always charging a XXXX fee even though my loan payment is paid on time prior to the XXXX. I've made multiple attempts to get this resolved and stated they would have someone call me back. No one ever calls me back. I've submitted 3 online inquiries and no response.

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 2019-11-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I applied to Discover Bank for a credit card in 2018 after receiving a promotional offer for balance transfers and purchase charges of 0 % for 14 months. Discover Bank failed to honor their promotional offer, and began charging interest on purchase charges after 6 months. I called multiple times to dispute these interest charges and requested a credit back for them. Discover refused and suggested the promotional offer did not apply after 6 months despite the fact that it did. I requested proof of the original contract three times. Each time Discover promised to mail me the original agreement - and each time they failed to do so. I have attached to this complaint a copy of Discover 's promotional offer as it appears on their website today.

The interest charges on my account are currently approximately {$230.00} per month. While the amount varies month to month based on activity, at this time Discover has overcharged me by well over {$1000.00}, and will not refund or credit back the overcharges and refuse to honor their 0 % promotional offer for purchase charges.

Based upon Discover 's actions, they have improperly reported my account to the three major credit bureaus and are in violation of the Fair Credit Reporting Act. In addition, banks must send an interest rate increase notice at least 45 days in advance of the increase. This is a requirement of the Truth in Lending Act, a Federal law that protects consumers against lenders. Discover has violated this law by its failure to notify me of the increase in interest rate on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In the spring of 2018, i had a XXXX  balance with XXXX, i had paid off the entire bill, when i received a check from XXXX in the amount of abour {$130.00}, i then called XXXX XXXX customer service and inquired about the reason for the check and should i cash it, they assured me that i had overpaid and hat i had received the check because my account had a credit balance. I cashed the check and the next month i received a bill for the amount that the check had been plus interests and finance charges, i called and was told i should not have cashed the check, that a mistake had been made, i tried to reason with hem and reported that i had called before cashing the check with no results. The amount now has gone up to about {$370.00} because of interest and finance charges. This was not because of a purchase i made but all stemmed from a check that they erroneously sent to me. From a {$130.00} check they sent to me to now to {$370.00}. It has now been put on my credit report, lowering my credit score so that i can not qualify for any loans or anything. 

The XXXX account # wasXXXX XXXX XXXX XXXX financed through XXXX XXXX. The account was turned over to LVNV Financial, LLC C/O Resurgent Capital Services XXXX  XXXX XXXX, SC XXXX, Phone # XXXX for collections and this is on my credit report. This all originated from XXXX  XXXX/XXXX   XXXX  XXXX XXXX, FL XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I would like to file a complaint about COLLECTION CENTER-WYOMING XXXX XXXX XXXX, XXXX, WY XXXX I had 2 bills from XXXX Hospital XXXX  XXXX from XX/XX/XXXX. The bill of {$1700.00} was refereed to collection. However both bill ( {$1700.00} and {$600.00} ) were later on paid Workers compensation insurance ( since I acquired them through a work related injury ). Several months after Worker 's comp paid the hospital, the collection bureau was still showing balance of {$1700.00}. I contacted the original creditor XXXX Hospital and asked them to forward information that the bills were paid. The hospital informed me, they already did that and the collection agency shouldn't be reporting it. As of XXXX my balance with them is XXXX. I contacted the collection agency again and they said that " it still shows in their system ''. Then I contacted XXXX and filed a dispute. Several weeks after that the balance on my collection account dropped to XXXX, but stayed on my credit report. I contacted XXXX again last month ( XX/XX/XXXX ) to remove the collection from my credit report since the balance is {$0.00}. I guess the XXXX interfered. After that, the collection agency added unpaid balance of {$540.00} to my credit report. I have no clue where did it come from, since I did not receive any additional bills from XXXX Hospital. I called XXXX Hospital again, and was told I don't have any outstanding balance with them. AGAIN, the collection agency shouldn't be reporting any balance. I believe the collection agency is very well aware the bills were paid and I own nothing to XXXX hospital   and definitely nothing to to them and they continue fraudulently reporting already paid balance, hurting my credit and financials. I consider this a form of harassment and attempt to extort money I DO NOT own. What are neither good, neither legal business practices. Thank you

Company response to consumer: Closed with explanation