vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i received a letter stating I could make payments as low as {$25.00} bi monthly and the representative stated that I needed to pay half the debt and then could make payments so he began to demand {$1800.00}. My industry was shut down for 8 months, XXXX. XXXX. I offered {$25.00} a month and then in 3 months {$50.00} a month and in XXXX more months {$75.00} a month and so forth as we are moving to reopening. He demanded {$1800.00} which I don't have. No where in the letter does it state that you must pay off half of your debt in order to begin a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I applied and was approved for a commercial credit account. I was given a reference number to use for purchases before the card arrived in the mail. At the store, this reference number found my account, but was giving errors and could not be used. Corporate employees did not understand the issue when both myself and in store employees explained the issue. 

Apparently the account had somehow been made half commercial and half consumer and would not function despite all attempts from the in-store employees. 

After XXXX hours at the help desk, we decided to try clearing the entire account and starting a new application. The new application was rejected due to the previous account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
My name is XXXX XXXX I just think my mom and her friends are using dark web to get into my account My transactions include XXXX cable and mobile dont want her locked up or nothing just want help to get out this situation its been happening since I was young. Things start looking good then outta know where alot of switching im not perfect by any means but I've worked for mines I want her to have her own not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one contacted me several times about a debt that was owed. I explained to them that i would need more time. Several weeks has passed and the Capital one contacted my Job to collect the same date. After i explained to the agent that this was not right, agent continued to call days after. My account was paid and the agents still call me. 

Acct # XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is updating the information on my credit report instead of fully investigating the accounts that are reporting false on my credit report

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 2020-10-09 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: TN

Complaint narrative:
XXXX is updating the information on my credit report instead of fully investigating the accounts that are reporting false on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Best Capital Funding
State: CA

Complaint narrative:
I had a mortgage loan with Best Capital Funding ( BCF ) XXXX. Loan amount {$170000.00} I did not receive my mortgage statement for XXXX, nor I received any correspondence from BCF regarding to my loan. I contacted BCF twice on XX/XX/XXXX and XX/XX/XXXX via BCF online secured message. They replied to me today XX/XX/XXXX that they sold my loan on XX/XX/XXXX. I did not receive any notification regarding the transfer of my loan. Therefore, I'd like to file a complaint on Best Cap Funding for not notifying homeowner when their loan being sold to another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am not in foreclosure. I also received a demand letter on or about XX/XX/XXXX, that my mortgage would be accelerated by XX/XX/XXXX if payment was not paid in full for the arrears. The XXXX, a federal agency, issued a ban on evictions until XXXX due to the XXXX Pandemic. 

I was not offered a solution as required under Executive Order from XXXX XXXX due to the XXXX Pandemic prior to these threatening notices. I feel that the notice taped to my front door was a threat to prematurely lock me out of my own home which is not legal under the laws of ANY state or federal entity. I feel that an additional threat to call my mortgage due on XX/XX/XXXX is another violation under the current order issued from the XXXX. 

I tried contacting the loan servicer who was not able to provide information to me regarding the XXXX XXXX notice to secure my property in the next few days. However, they did own the threat of calling my mortgage due by XX/XX/XXXX in spite of the Executive Order issued from the XXXX. 

Finally, I have force placed insurance on the property for which I am being charged. I have requested a copy of the actual policy on at least 3 occasions. I have not been provided a copy of the policy still. I received instead a copy of the declaration page only. I live in a hurricane corridor which began in XXXX and I am entitled to the actual policy for which I am being charged. I had issue with the declaration page because it describes the policy as " FIRE '' insurance coverage. I was not able to get the issue resolved by phone neither written requests to Selene Finance. I received a letter dated XX/XX/XXXX and again XX/XX/XXXX that my written requests had been received. I have yet to receive a copy of the policy for which I am being charged every month. Moreover, I do not believe that I have hurricane/ windstorm coverage or homeowners insurance coverage protection although XXXX continue to be charged. Hence I file these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: TN

Complaint narrative:
equifax did not fully investigate the account that is falsely reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
There were XXXX transfer funds added to the card. One on XX/XX/XXXX for {$50.00} and one on XX/XX/XXXX for {$1000.00}. These deposits were made in order to pay some bills. When the transaction was processed i was not immediately notified that the transactions could not be processed in the manner i was paying the bills which require bank account and routing number which was issued as part of the cards services as a bank. apparently that violated a user agreement and my card has been frozen and the card servicer refuses to refund the funds still in the account which are the XXXXwo deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  did not fully investigate the account that is falsely reporting on my credit report

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 2020-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
O have tried 6 times to make a hardship application and they have pull my credit and started paying them theXX/XX/XXXXand XX/XX/XXXX of each month and cant paid the full amount in full and they keep canceling my application with out a good reason. Im doing everything on my end and show them all my income and account and cant keeping doing payments and they are reporting that I have not do a payment for months and it not true. Should I get a bankruptcy or else. They are just not giving me a alternative. I havent get a letter or anything for the last 30-60days. From PenFed

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 2020-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing this complaint in response to the delinquency reported to the credit bureaus on XX/XX/20. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ) ) I am requesting removal of this debt IMMEDIATELY. 

Please note, I spoke w/ a representative at your office on XX/XX/20 and a payment was made in the amount of {$200.00} therefore I do not owe anything. Please remove is ASAP as I will seek legal council due to this debt being incorrectly on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Flagstar Bank has been harassing me about an old mortgage which was transferred to them about the same time I refinanced the VA loan with a new lender. See below warning I sent them recently. They should have their license revoked. This has be going on for 45 days and I have tried to get them to stop by phone and email and the robot calls continue enough is enough Mortgage Payments Flagstar Bank you are put on legal notice I will immediately sue Flagstar bank for harassment by mail and ROBO calls to my phone and mail concerning payments on a Mortgage loan which was refinanced by a new lender on XXXX XX/XX/2020 and your funds your looking for are with XXXX. ( I have called you 3 times about this loan. I have a new loan and it sure is not with Flagstar. Further I will send a letter to the VA to suspend your license for harassment to a VET, I'm done calling or writing you. You ding my credit and will take this further to court. 
SIGNED 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 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted disputes with Experian and XXXX and I have asked for verification or validation of letters from XXXX XXXX XXXX XXXX XXXX that either I get that or they need to do what the law says and that part just keeps getting ignored not one time have I seen anything verifying any of the information it is completely different information on every credit report that I have seen the dates are incorrect and none of the information is the same and to my knowledge if they're asked for verification and validation of a debt and it is not provided then to my knowledge they're not allowed to report that information and I have asked for months in a row and I just keep being told it is verified but I have seen no verification when I have asked and asked and asked

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 2020-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
TL ; DR Chase Auto Finance ( referred as " Chase '' below ) failed to request refund of a wrong-charged property tax even after numerous communication. First they told me I did not have to pay this wrong property tax, then they tried to collect debt on it aggressively. 
Details : I leased the vehicle from Chase between XX/XX/XXXX -- XX/XX/XXXX. During the time, I registered the vehicle in XXXX CT between XX/XX/XXXX -- XX/XX/XXXX. However, due to some incorrect calculation, I have been charged for an extra year of property tax in CT, which was around {$900.00}. 
Around XX/XX/XXXX, when I noticed this issue, I immediately called Chase several times and their representatives confirmed that I didn't have to pay this because they would request refund to write-off this balance. Then per their requirement, I mailed all the proof for their refund purpose. 
I continued to pay all my monthly payment until I returned the vehicle on XX/XX/XXXX. Meanwhile, Chase kept telling me that I did not have to pay the property tax because they were requesting the refund. Out of good faith, I paid extra more than {$800.00} to cover the {$300.00} turn-in fee and hoped they would refund me the rest as long as they receive the refund from the property tax form XXXX XXXX. 
From XX/XX/XXXX, Chase suddenly started the debt collection process first by themself and then turned this account to several debt collection agents, claiming that I have to pay them back around {$500.00} regardless there is any potential refund or not. This behavior caused lots of interruption in my life. 
At the same time, I called Chase numerals times asking whether they had requested refund from XXXX XXXX. They said they did, as long as I remember, they confirmed they requested this refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
However, I called XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX on XX/XX/XXXX, according to the their record, there is no refund made from Chase at any time. Then I called Chase again at the same day asking why they deliberately procrastinated the refund request and what they wanted to do to resolved this case, they refused to give any resolution. 
Clearly Chase have long been ignoring the legitimate refund request on purpose to create unnecessary balance. At the same time, they were still aggressively collecting the non-existed debt. Their service and this whole experience caused a huge pain and an unreasonable burden for me, because I had to communicate with several debt XXXX, have long call with Chase in numerous times and even find record from the XXXX XXXX. 
I demand Chase to stop the debt collection and refund my net balance as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Loan Science, LLC
State: MD

Complaint narrative:
Student Connections has sent me a third email on XX/XX/2020 with incorrect information about XXXX XXXX, despite requesting that they cease communication with me via my request for fair resolution via prior CFPB complaints. Once again, their email appears to list the correspondence address for XXXX XXXX and not XXXX XXXX. My loan is with the Department of Education, is in good standing, and is serviced by XXXX XXXX. I do not do any business with Student Connections to the best of my knowledge and they are not responsible for my loans. I complained about them previously sending incorrect information in CFPB complaints XXXX and XXXX, yet despite me bringing this to their attention via these complaints, no corrective action has been taken. They continue to mislead the individuals they send these emails to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Ive used my American Express serve card for years and still use for direct deposit. Their dispute department is terrible when it comes to ATM errors on withdrawals and wont refund your money. I had XXXX $ taken from my card On XX/XX/XXXX from the XX/XX/XXXX atm on XXXX grand concourse in the XXXX. I had XXXX $ taken from my card on XX/XX/XXXX from XXXX XXXX in XXXX on XXXX XXXX XXXX as well. I tried to withdraw XXXX $ from the ATM to only receive XXXX $ and a ATM error displayed on the screen. I checked my serve account to find it took out the XXXX $ from my account but I only got XXXX XXXX I disputed the transaction with picture evidence of the XXXX $ in hand and the ATM showing the error on its screen. XXXX agreed to give me XXXX $ in provisional credit while they investigate. Days later they email me saying no funds are due and they are reversing my provisional credit. WHAT!? Instead of agreeing with my dispute and leaving my XXXX $ I worked for, XXXX rejected my dispute and took the XXXX $ provisional credit back leaving my account negative. Proceeding to reject my disputes with picture evidence of an ATM error and telling me the merchant provided documentation the XXXX $ was dispensed. Which is hilarious because I was the only XXXX in the place who witnessed an ATM shoot out XXXX $ on a XXXX $ withdrawal, display an ATM error on screen. I took a picture for this VERY REASON. Im pretty sure the ATM was low on funds and only had XXXX $ left. No matter how much I call or dispute, serve refuses to put my money back. My evidence doesnt matter. I tried to take out XXXX $ at XX/XX/XXXX to have it shoot out nothing and say ATM error. I didnt take a picture that time so I accepted serve rejecting my dispute. I cant accept this time. Dispute department is just going off the merchants word.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have noticed that they have placed an inquiry on my XXXX  credit file dated XX/XX/2020 that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. 

Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.

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 2020-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
Hi, my name is XXXX XXXX was stop payments due to cronavirus under forberance plan.today i try to refinance my other loan then thay told me XXXX morgage put those payments on my credit.Please help me. 
Loan 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 2020-10-09 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: U.S. BANCORP
State: IL

Complaint narrative:
I have noticed that they have placed an inquiry on my XXXX credit file dated XX/XX/XXXX and XX/XX/XXXX that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.

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