vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been using PayPal Credit ( XXXX XXXX ) for very long time. I had paid a third party in the amount of {$1900.00} on XX/XX/2018 using Paypal Credit ( XXXX XXXX  ). I  immediately became aware of the exuberant fees and interest rates associate with using this service. I called Paypal and Paypal credit ( XXXX XXXX ) and asked them if I made a payment to Paypal/Paypal credit XXXX Bank in the amount of {$1900.00} that it would be applied to the high interest rate loan of {$1900.00}. At the time, I had several interest free loans that were in progress with PayPal Credit/XXXX XXXX I was assure that the payment would be applied to the high interest loan first and then remaining would be applied to the interest free balances. When the statement came in, I was shocked to see that the payments I made went to payoff the Interest free loans and the large outstanding loans were NOT paid on. This is wrong. This is unethical. This seems to be illegal. 
In the meantime, I have had to get another loan from another financial institution to Payoff my PayPal credit/XXXX balance. 

I called Paypal credit/XXXX XXXX twice and was assured that if I paid the XXXX back, it would go directly to that charge as it had a very high interest rate attached- THAT DID NOT HAPPEN. They mislead me. This has been documented. Even their own employees did not know the sinister ways of this bank. 

This financial institution should be investigated for criminal wrongdoing. They are clearly and blatantly over-charging customers by applying payments to zero interest loans and then applying the remaining portions to high interest rate balances. 

After numerous phone calls to find someone to assist me, I was finally able to get a supervisor who said : You paid {$1900.00} too early. You should have waited a couple of billing cycles to pay it. There is nothing we can do. No one has the authority to override this decision. Thank you Please look into this bank. 

You can see the hundreds of complaints on XXXX against the illegal practices of this financial Institution. Please do the citizens of this great country a service and investigate them thoroughly.

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 2018-06-27 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: VA

Complaint narrative:
I am writing to challenge TransUnion 's reporting, compliance and investigation on accounts with XXXX XXXX that are listed on my credit report. Multiple items of incorrect and incomplete information exist and TransUnion 's results into the most recent investigation indicated that the information had been verified with XXXX, despite logic and evidence to the contrary. 

XXXX Unsecured Installment Account : On one XXXX XXXX account ( an Unsecured Installment Account ), TransUnion/XXXX is reporting, inaccurately, the Date of Last Activity as well as the account having been Included in Bankruptcy. '' This account was a loan for {$7600.00} opened in XXXX and paid in full in a timely manner a couple of years afterward. TransUnion is also reporting an inaccurate Last Payment Made on XX/XX/XXXX and Date Closed on XX/XX/XXXX. This installment loan was opened in XXXX and paid in full in the late XXXX or early XXXX. Simply by way of logic, no installment loan for {$7600.00} has terms that would allow payments to go on for XXXX XXXX as this is being reported by TransUnion and XXXX. Additionally, TransUnion and XXXX continue to fraudulently re-age this account so that it continues to appear on my report many years after it should have been removed. 

XXXX Line of Credit : TransUnion and XXXX is also reporting another XXXX XXXX account as Account Included in Bankruptcy and Date Closed on XX/XX/XXXX. However, they continue to report a Last Payment Made on XX/XX/XXXX. This doesnt even make sense a payment made on an account that had been discharged through Chapter XXXX Bankruptcy nearly over a year prior? No payment was ever made to XXXX beyond the date my Chapter XXXX Bankruptcy was filed in XX/XX/XXXX. Again, TransUnion and XXXX continue to fraudulently re-age this account with inaccurate information. 

XXXX Credit Card : Another XXXX XXXX Credit Card account is inaccurately being reported as opened on XX/XX/XXXX. This account was not opened in XXXX. 

TransUnion and XXXX are reporting incomplete information on all three of the above-referenced accounts as the account numbers are all being reported as XXXX. 

Finally, each time TransUnion/XXXX purport to have verified this information, it has prompted inaccurate reporting as though my account with XXXX has fallen delinquent XXXX and that I have just recently filed a new bankruptcy or a tradeline bankruptcy as being reported by XXXX. Each time this has happened, I have received notices that my credit score has been negatively impacted - sometimes by dozens of points.

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted an investigation request to Equifax on XX/XX/XXXX. They are supposed to send the results back to me within 30 days. When XX/XX/XXXX arrived, I had not yet received a response from Equifax. I sent them a follow-up letter on XX/XX/XXXX, but that letter was also ignored. To date, I have received nothing back from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: IL

Complaint narrative:
I submitted a previous complaint about Experian through CFPB and Experian stated that the complaint was general and not specific enough for them so they closed the complaint.

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 2018-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dyck-O'Neal, Inc.
State: CA

Complaint narrative:
In XXXX we sold our home in XXXX Ca. The mortgage company said they would give us a no interest loan for the difference in the selling price of our home. We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time. Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency. The money amount on the Promissory notice is different from the written amount. The payment for the note was {$1200.00}. I paid {$50000.00} on this note for my mortgage at XXXX XXXX XXXX. Then I lost my job after 34 years. XXXX went out of business in the real estate scandals that went on in XXXX. They sold the note to Dyck-O'neal, I contacted them in XXXX and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer. I went to an attorney  and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with Dyck O'neal in XXXX they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations. My husband was employed throughout this fiasco, I ask Dyck-O'neal on several occasions to take this to court so we could deal with it legally, they choose not to do it. I believe it's because they knew this was an unenforceable agreement. I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XXXX XXXX credit it is stopping us from purchasing it. I have written to the Credit Bureaus disputing this account and they will not remove it because Dyck-O'neal keeps saying its a debt owed to them. Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
Collection agency called, returned the call back and male employee was extremely rude and abusive. While providing a time and date for when the {$74.00} balance could be paid the collector made remarks regarding the guarantor 's children, specifically stating " I know you have XXXX kids and you clearly don't care about them since you won't pay this .... '' The male employee also stated they would no longer be calling since the guarantor would not pay today or put a card on file to pay. 

This is a low outstanding balance and the treatment was completely uncalled for and the exact reason FDCPA and UDAP was created. 

This abusive language is completely uncalled for and illegal. 

Phone Number : XXXX Collection Agency Name : Capital Accounts LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear CFPB, Thank you for allowing me to submit this complaint. 
XXXX XXXX XXXX XXXX recently submitted to Transunion a credit reporting agency that I was 30,60,90 days late on a mortgage with them that has been refinanced through my credit union, XXXX XXXX. 
They were informed of this by my credit union as well as myself during this process, not to mention that I have received a confirmation letter from XXXX acknowledging their payoff. 
So this is absurd! And it is now on my credit report wrongfully and needs to be removed. 
~XXXX XXXXXXXX

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 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/2018, my XXXX Credit Card Account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was closed at my written request. The account is closed with a balance, and I am making on-time monthly payments to get it paid off. On XX/XX/2018, I was billed an annual fee of {$49.00}. On XX/XX/2018, I first emailed XXXX through its website to request the annual fee be waived. I did not receive a response. On XX/XX/2018, I initiated a chat session through the XXXX website and chatted with XXXX. I asked that the annual fee be waived/removed/reversed, but XXXX refused to waive it. He said that an annual fee will be billed on the account, even though it is closed, as long as there is a balance of {$25.00}. This practice seems illegal and definitely unfair and abusive. Customers should never pay annual fees on closed credit cards. The card can not be used at all ; thus, XXXX/XXXX XXXX XXXX XXXX  XXXX is being abusive in billing the annual fee and then refusing to waive it. I am asking that the CPFB investigate this bank for the abusive practice of billing annual fees on closed accounts. Also, when the account is closed, this bank needs to make clear of its annual fee billing in the close confirmation letter. It does not. Whereas other banks gladly waive annual fees on closed accounts, why has the federal government allowed XXXX/XXXX  XXXX XXXX XXXX  XXXX to get away with such an abusive practice? I would hope that appropriate fines and legal action are forthcoming for this bank, and the abusive practice of billing annual fees on closed accounts comes to an end. I am asking that the {$49.00} annual fee is waived on my account, and on a much larger scale, I am asking the CPFB to investigate and put an end to such an abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
I noticed that I have 2 collection accounts on XXXX and XXXX for alleged hospital bills for {$690.00} and {$200.00} but I was incarcerated at this time so these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
PLEASE BE ADVISE THAT I AND MY ATTORNEY WERE IN DISPUTES WITH XXXX XXXX XXXX XXXX OVER CREDIT THAT WAS AWARDED AND THEN THEY WANTED TO TAKE BACK, DUE TO A ERROR MADE BY XXXX AND THE CONSUMER/ XXXX RXXXX XXXX FROM XXXX XXXX XXXX. ME AND BY ATTORNEY WERE ON A DISPUTES DECISION ON MY XX/XX/2015 XXXX BILLING STATEMENT. XXXX THEN DID NOT NOTIFIED ME OR MY ATTORNEY OF THEIR DECISION OF CURRENT DISPUTES ON XXXX XXXX CREDIT CARD STARTED CHARGING MY CREDIT CARD, WITH NO NOTIFICATION OR BILLING STATEMENT.. TO ME OR THE ATTORNEY OFFICE OF XXXX & XXXX.WITH NO KNOWLEDGE OF THEM CHARGING ME, I AM NOW 90 LATE ON MY XXXX CREDIT CARD.

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 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, First of all, thank you in advance for your assistance and help.

Purchased a used SUV from XXXX XXXX on XX/XX/XXXX with a cash down payment of {$10000.00} and a loan from the Bank for {$29000.00} which included an extended warranty $ 5,500+ ). 

After a careful reconsideration, we decided to cancel the extended warranty so visited the dealership on XX/XX/XXXX and told them to cancel the extended warranty and they agreed and assured me that they will cancel the warranty and refund the Bank. 

Almost 5 months later, on XX/XX/XXXX, while checking the balances online for the loan, I realized that there has not been a deduction of the $ amount for the cancelled extended warranty. So I called the Bank and explained my concerns and asked them if they had received any information regarding this matter from the dealership. The Bank had replied that they have never been informed as well as refunded and told me because the dealership had never refunded the money, I have been paying additional interest for the monies I did not have to. 

Tried several times for all day for two days to contact the dealership including the gentleman who had helped me with the loan and the sales manager without a luck.

This has been one of the most frustrating moments and experiences in my life and feel like I have been cheated. 

Please review my case and assist me in resolving this case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
A debt collection company, NCB Management Services, somehow got a hold of a relative on XX/XX/18, after I had already spoke with them on XX/XX/18. They provided my relative with information that should not have been provided to them. They told them that they were trying to contact me for a debt collection and even provided them with the amount of the collection and what it was from. This information should not be provided to anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2009we sold our home in XXXX Ca.  The mortgage company said they would give us a no interest loan for the difference in the selling price of our home.  We agreed to do it as I didn't want to jump on the foreclosure bandwagon, that was happening at that time.  Another reason I agree is there was no advisory language in the agreement, which meant to me that this would not be reported to any collection agency.  The money amount on the Promissory notice is different from the written amount.  The payment for the note was $1250.00.  I paid $50,000 on this note for my mortgage at XXXX XXXX XXXX  Then I lost my job after 34 years.  XX/XX/went out of business in the real estate scandals that went on inXX/XX/2009  They sold the note to XXXXl, I contacted them in XX/XX/2012and told them about losing my job and offer a settlement after many emails I finally received a response and their answer was no, they would not except my offer.  I went to an attorney and showed him the note and explained that was a note regarding my mortgage and I was told by the attorney that this note was illegal for many reason and that it was being report incorrectly, it was being reported as an account when it was actually a mortgage loan. I fought for years with XX/XX/XXXX in 2016 they sent me a notice saying that the debt is unenforceable due to the expiration of the applicable statute limitations.  My husband was employed throughout this fiasco, I ask XX/XX/XXXX on several occasions to take this to court so we could deal with it legally, they choose not to do it.  I believe it's because they knew this was an unenforceable agreement.  I am in the process of buying solar for my home and because of their derogatory mark on my credit and my Husband XX/XX/XXXX credit it is stopping us from purchasing it.  I have written to the Credit Bureaus disputing this account and they will not remove it because XX/XX/XXXXl keeps saying it’s a debt owed to them.  Our credit is perfect no missed payments, no collections, the only mark we have is for a contract that is unenforceable.

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 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
when I purchased my Honda Financial Corporation/ XXXX XXXX XXXX  XXXX XXXX   on XX/XX/2012 They offered me the GAP Addendum the Cost {$750.00}, after I payoff I received a letter stating If I purchased GAP coverage ; I was able to request a refund of any unearned premiums, one year ago communicated with the Dealer and XXXX  XXXX XXXX but non of them were able to help me ; I requested my refund to XXXX XXXX XXXX but they told be to contact the XXXX XXXX XXXX and vice versa both companies refuse to help. I communicated once again with XXXX XXXX XXXX they give me a web site where I can summit the payoff my car the way i can get the refund but I never received any responded or a refund from XXXX XXXX XXXX, its been a year and still waiting for them to communicated with me, as a consumer I believe we have rights this corporations do not treat consumers well we deserved respect, I am requesting an investigation for this corporations Honda Financial Corporation/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX about GAP Addendum unearned premiums because the need to refund to the consumers and complains about this corporation. Honda Financial Corporation/ XXXX XXXX XXXX   XXXX XXXX needs to review closely the companies that they offered products to their consumers because we trusted them on getting this GAP Addendum but do not know that those companies won't seek the benefit of the consumers for the reason I won't Trust this companies Please can you help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: GA

Complaint narrative:
I have several hard inquires on my Equifax credit report that are not mine and I didn't approve them. I have contacted the creditors and equifax about removing them and each one tells me to call the other. 

List of inquiries that do not belong to me : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
The company billed a late fee on my account after I paid the balance in full 1 day late. I disputed this via phone call. The following month they added another late fee because I didn't pay the first late fee. I called and spoke to a supervisor but they refused to reverse the charges. I closed the account but they continued to add late fees until the account was 90 days past due. I feel these charges are erroneous and reported out of spite rather than for valid services or merchandise.

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