vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
We mailed full payment of {$67.00} due  X/XX/17    to Target on  XXXX . Due to two federal holidays that week, payment was received and posted by  Target  1 day late. We were out of town for 3 months and did not have mail forwarded as we pay all our regular monthly bills electronically so we did not see notice that Target received our payment  one  day late. Cumulative fees were charged each month until we returned home on  X/XX/17    and found a bill in the amount of {$96.00}. This was only for late fee s (  late fees on top of late fees each month  )  even though  Target   received payment in full in  XXXX . I contacted Target several times and finally spoke to a supervisor who said they could not waive the late fees even though payment was made. I sent a letter appealing to  Target  headquarters that this seems unfair and excessive particularly since bill was paid. I received no response. We pay all our bill on time, in fact we pay early and are proud to have an excellent credit rating. Target reported this incident to the credit bureaus which undoubtedly will impact credit rating. I feel this practice of charging late fees after a bill is paid is unfair and excessive and impacts our credit rating and we paid more in late fees than the actual bill even though they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Funding LLC is  attempting to collect debts for a closed  XXXX   XXXX . I wrot e Midland Funding LLC    XXXX     requesting the date the original accounts with   XXXX   XXXX   became delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  Midland Funding LLC is a ttempting to reage the debt which is illegal. According to my state of residency this debt is beyond the  three year s statue of limitations.   According to my   XXXX    File, o  ne  account was reported delinquent by   XXXX   XXXX   on  XXXX  ; the other   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I requested validation/verification of this debt through the credit bureaus in  XXXX  of  XXXX . The debt collectors refused to do so and the credit bureaus deleted them off of my credit report between   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  . I have no recollection of this debt and according to my past credit report, this debt is almost 10  years old . Now, the SAME collection company sent me a letter dated  XX/XX/XXXX  to try to collect the debt once again AFTER their refusal of verification/validation.

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 2017-04-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK
State: WI

Complaint narrative:
I initially invested in a 7 ye ar CD with Discover Bank. The CD matured a  nd I allowed it to be automatically reinvested in another 7 year CD with Discover. I decided to close the CD and understood that I would incur a penalty for early withdrawal. My previous documentation from Discover Bank stated that early withdraw penalty would be 15 months simple interest. After closing the account I was told that I would have to pay 24months simple interest for a penalty. I never received any documentation from Discover Bank bef ore the renewal indicating the change in terms. I just received a letter saying it was renewed with the new interest rate. I feel the penalty was excessive which actually cut into my principle. They not only use money for free 16 months but decided to take a little extra for themselves. My main complaint is that Discover Bank never sent information of the change in term s of the CD rene wal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I applied for the  XXXX   XXXX   XXXX  card from  CapitalOne . They approved the application, but said my  credit score  was  XXXX  from  XXXX .   My actual credit at the time of the application was  XXXX  from  XXXX .   By giving me a low  credit score I  received a higher interest rate and lost the {$100.00} bonus.   I have called  CapitalOne a t least twice, no one seems to know the what department to direct my call. On one call I was placed on hold for at least an hour before I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was selling a household goods item - the person that bought it sent me a Wells Fargo Check for {$2000.00}. I deposited it into my Wells Fargo checking account. The company picking up the item for the individual was paid by me out of that {$2000.00} - a sum of {$1000.00} to pick up and transport the item ( about 40 feet of solid surface countertops, a sink, and a range ). As it turns out, it was fraudulent - the persons that sent me the check fraudlently drew a check on someones account, sent it to me. The bank took the {$2000.00} from my account, of which only {$1000.00} was left. So ... I am out {$1000.00}, the person to whom it was taken from is whole, the fraud perpetrator is up {$1000.00}, the bank is whole - it was a Wells Fargo check and I deposited it into a Wells Fargo account. I am the only one that was punished and I was as much a victim of the fraud as the other person. I thought fraud protection was one of the things the bank was supposed to help prevent, help make clients whole ( they do it for credit cards that they charge you 20 % on ). I have copies and specific dates as needed.

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 2017-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Please delete the alleged item because t he Opening Date  is inaccurate and incorrect. I have never opened an account with GRC. Please show valid proof of my name and signature on a valid contract or document.

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 2017-04-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX  Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, ( XXXX ) XXXX ran XXXX unauthorized credit inquires on my name as listed below : XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, 2017 XXXX XXXX Inquiry XXXX XXXX, 2017 the people responsible were : Finance Manager XXXX, and Office Manager XXXX, Sales Agent XXXX. <P/>Car dealerships run you credit multiple times so that your score can go down and they can charge you higher APR. THIS IS FRAUD!! Disciplinary action should be taken against. <P/>To start, I specifically told XXXX to not run my credit and I was no longer interested in purchasing the car on Thursday evening X/XX/2017. They still went ahead and ran the credit on X/XX/2017. Once is forgivable. But I went into the dealership Saturday on X/XX/2017 and specifically told XXXX the deal is off, and I asked about the credit inquires, and he mentioned that only XXXX inquiry was made on X/XX/2017 at XXXX ( I recall the time roughly ) to get my credit score. We ended the conversation there without authorizing him to shop for rates for me in XXXX / XXXX/ or XXXX XXXX XXXX . Furthermore, he lied and said if he would shop it would be through XXXX only as they give the best rates and not XXXX or XXXX XXXX XXXX. <P/>I would like the credit inquires cleared from my file. and I would like a warning sent to this dealership to better protect consumers. <P/>Thank you,

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 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX   XXXX   XXXX  is attempting to collect debts for a closed  Capital One.  I wrote  XXXX   XXXX   XXXX   XX/XX/XXXX    requesting the date the original accounts with Capita l One b ecame delinquent, but I did not recieve a response. Based on what I 've seen on my crdeit reports it appears that  XXXX   XXXX   XXXX  is attempting to reage the debt which is illegal. According to my state of residency this debt is beyond the three years statue of limitations.   According to my  XXXX   XXXX ,  XXXX  account was reported delinquent by  Capital one o n  XXXX  ; the other  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
On  XXXX   XXXX   2017 , I mailed a certified dispute letter to Experian asking for verification of the accounts stating I owe on my credit report. I have not received any information as of Today  XXXX   XXXX  on the status of the reinvestigation. These reports are negatively effecting my account and it 's my right to request the credit bureaus submit verification of a debt said owed. If the credit bureaus can not verify a debt it is to be removed from the credit file.

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 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
On X/XX/17 at XXXX XXXX I contacted IC System for a debt they had in my name for XXXX XXXX XXXX in the amount of XXXX. The Rep gave me the amiunt and I asked what kind of deal wee could make t pay it. He said he was authorized to reduce it to 75 % of the debt resulting in XXXX. I agreed and gave him a check by phone. He told me I would be receiving a letter paying the debt off and they would report it as paid that weekend. The check cleared my bank on XX/XX/17 for the amount of XXXX on XX/XX/17 instead of the pay off letter I was expecting to receive in the mail I received a new bill for the amount he reduced my bill for. Under our agreement I paid this debt off and no longer owe them anything. I have tried contacting the company and I have now disputed the debt with the credit burues. IC System has broken our agreement of the debt being paid off and is reporting it as a negative account on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC
State: AL

Complaint narrative:
I purchased a  XXXX   XXXX   XXXX  in  XXXX   XXXX  and paid on it until till  XXXX   XXXX . I ran into financial trouble and voluntarily let the car go back. Now the loan company prestige financial has sent me a summons for the amount of  XXXX  dollars when I bought it for  XXXX  dollar. It was repo in  XXXX   XXXX  and sold to auction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.

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 2017-04-29 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: CA

Complaint narrative:
On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.

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 2017-04-29 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: DC

Complaint narrative:
XXXX   XXXX   2017  I mailed a certified letter to Transunion and   XXXX   disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.

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 2017-04-29 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: DC

Complaint narrative:
XXXX   XXXX     2017  I mailed a certified letter to  XXXX  and Equifax disputing collections on my account and asked that they verify the account and to not just say " account verified " after investigation. It is my right to ask for verification and it 's the credit bureaus responsibility to provide verification and debt validation. These companies failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC
State: WI

Complaint narrative:
I began taking out RISE loans in  XXXX   XXXX ,  XXXX  for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until  XXXX  and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for  XXXX  in  XXXX   XXXX ,  XXXX  and this  one I  simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for th e SCRA be nefits for my chase card in  XXXX  and was denied because I lived in new Jersey which is not a community property state. I feel that this is unbelievable. My husband is  XXXX   XXXX    XXXX   XXXX   and been  XXXX . Its just crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
On  XXXX   XXXX  I received a debt collection for a debt I do n't not owe for  XXXX  from  Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in  XXXX  and added back on without my knowledge. I disputed this debt with  XXXX  and included receipt from  XXXX  for cable equipment that was given back to them and was picked up by a  XXXX  Technician on  XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
I have a mortgage for a house on  XXXX   XXXX  from   XXXX   of  XXXX   XXXX , FL, then a month later the mortgage was sold to  XXXX   XXXX    XXXX   whom had it for over a year. Due to the high monthly instalments ( {$1200.00} plus {$280.00} for HOA ) I decided to apply for modification with  XXXX , The bank turned me down five times and sent me a letter for foreclosure on  XXXX . I hired an attorney at that point and chase was unable to foreclosure on my property after my lawyer brought them before the judge in  XXXX  county, Fl.Therefore chase got rid off the mortgage to avoid litigation and sold it to  XXXX  Bank  XXXX   XXXX , after Hud approval.  XXXX   XXXX    XXXX   pursued foreclosure unsuccessfully since they lost in court in  XXXX  in  XXXX   XXXX   XXXX  loan servicer came on board to service this loan for  XXXX   XXXX  (  BSI Financial Services  ) After losing battle in court  XXXX    XXXX     XXXX  transferred the loan to  XXXX   XXXX  and BSI kept servicing this loan. For over a year  BSI Financial  attempted to collect the mortgage payments and also tried to foreclosure but after speaking with my attorney they surrendered their intentions and transferred their loan services to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Then sold the mortgage back to  XXXX   XXXX  keeping  XXXX   XXXX  as their servicer, this happened just on  XXXX  .The pro blem is that  BSI Financial i ssued me a  XXXX  tax form for the year of  XXXX  after they transferred the loan to  XXXX . I called them to find out the validity of this and after speaking with  XXXX  at BSI, he said he had no knowledge about it and that he would research the issue and get back to me or my attorney, never happened, so I called the IRS and I was told That BSI needed to issue a corrected  XXXX  .I must  mention that BSI claims this form is for a " cancellation of debt on a mortgage dated on  XXXX / XXXX / XXXX  '' .My house has never been in bankruptcy, not sold or else. Records on  XXXX  county, FL still show I 'm a the owner of this property.BSI has placed my name on the  XXXX  credit burew as bad debt, which I also dispute, since I have no business with BSI whatsoever. Please I need to clear my credit report from this illegitimate input and also have BSI Financial services  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  to correct and issue a corrected  XXXX . Thank you very much for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation