vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
More than two times, TransUnion consumer relations reported adverse and misleading information to lenders I have applied for credit to. I applied for credit in XXXX between XX/XX/XXXX to XX/XX/XXXX from three different lenders and all were denied for very different, non-factual, and unrelated reasons reported by TransUnion. The first incident was disapproval for XXXX Credit Card for no credit history, then XXXX XXXX for invalid, missing credit score. An application submitted to XXXX XXXX XXXX XXXX was delayed for the reason that there were a freeze on my credit report and score on my TransUnion account, which was not true and I had never placed such actions on my credit reporting access. Each time I contacted TransUnion for these issues they stated the opposite facts. The reporting of credit from the XXXX other major credit report bureaus ( XXXX and XXXX ) were all fair and positive during the same time frame.

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 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
3 accounts from my Doctors office were sent to this company for collection, I spoke to a very pleasant representative that agreed with me to delete the account on collections for a full payment, she used of verbiage tactics to agree with me and the account was never deleted. When I called for a follow up I spoke to a manager named XXXX who kept repeatedly using confrontational language and trying to talk me out of what I had originally agreed with the Representative to whom I had made payment to. He multiple times suggested that he wouldn't listen to the recording of the call because he already " knew his employees would never do that '', despite me kindly asking him for a review. 

The way he spoke to me was more stand offish than the debt on my credit file itself. 
I felt lied to and manipulated by this company using abusive tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a recent victim of a scam artist. Something I didn't even fathom would happen to me. I sold some furniture on line and the person paid me with a certified check and because of the amount XXXX {$1800.00} deposited on XX/XX/XXXX ) they needed me to take out the fee of the furniture ( {$450.00} ) and send the {$1400.00} ( sent XX/XX/XXXX ) to the movers to cover fees. I didn't think anything of it because many companies move employees and will send a check as payment. The next day ( XX/XX/XXXX ) I get a bank notification of my account balance of being XXXX in which I am devastated. The person of course can't be reached at all. I called my bank, XXXX XXXX XXXX and made them aware of the situation and the told me because it was through XXXX there was nothing they could do. I have some upcoming payments that will cause me overdrafts fees and I don't get paid for another two weeks. Not to mention I planned on taking care of other household needs with that money including moving for next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I checked with CapitalOne on XX/XX/XXXX to find out my credit card balance and was given the amount of {$1700.00} by their system and online. I paid the balance in full, as I was considering closing the account. 
On XX/XX/XXXX, I found out that CapitalOne had not updated my information with any of the credit bureaus since XX/XX/XXXX and when I went to my CapitalOne account, it now shows that I have a balance of {$14.00} added XX/XX/XXXX. I have not used the card since I paid it off on XX/XX/XXXX. The charges are for Cash Advance Interest {$1.00} and Purchase Interest Charge {$13.00}, plus they are charging daily interest on this balance. 
CapitalOne is charging interest on a {$0.00} balance and also charging daily interest on the interest? This can not be legal. 
I contacted the company and was initially told in so many words " You do not understand, we can do this. ''. I contacted the credit bureau and was advised to try one more time to speak with the company before filing a complaint with them. I called CapitalOne again and spoke with another supervisor who informed me that although it " appeared '' that I'd paid my balance off, there are interest fees that accrue daily and those had not been included when I made my payment. I asked how was I to know that there were other charges when both of their systems ( phone & online ) provided me with the amount due? I was told that I should have spoken with an actual person, a CSR. How was I supposed to know that their system doesn't provide accurate, updated information? Then I asked if they would waive the {$14.00} fees. Not only did CapitalOne refuse, they also said that they are charging interest daily on it and as of today, the amount is {$14.00}! How can companies get away with doing this to people - especially during a pandemic????? I know it is less than {$15.00}, but it is the principle of the whole situation. I paid the balance - or so I thought, because I was thinking of closing the account. I paid and closed some others at the same time as well. 
But these guys are trying to hold consumers under their thumb with these fees that make absolutely no sense - with horrible customer service to top it off. 
Is this legal? I want to file a complaint and ask that the FTC and credit bureaus launch an investigation into CapitalOne 's practices. Charging interest on a {$0.00} balance and then adding daily fees on the interest that should not be there in the first place??? This can not and should not be legal. 
By the way, this is just a regular platinum credit card. Not a pre-paid, green dot or whatever or anything like that with special terms and stuff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.

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 2020-07-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been trying to get information from the bureaus about my credit file. The are not responding to my request and it has been almost 4 months and 2 request made within those 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: KS

Complaint narrative:
Today I received a notification on my credit there was a new derogatory account being reported by AFNI Inc for a missed payment in XX/XX/XXXX on a balance of {$200.00}. 

The account being reported did not give enough information to determine what this was -- and as a prior victim of identity theft -- I reached out to the company to determine what this was in regards to. 

Furthermore, the account is being reported as being opened on XX/XX/XXXX, and I my credit has been frozen since last year as a result of the identity theft -- I knew this could not be my account and I have not opened any new accounts since then. 

After speaking with XXXX of AFNI, she read a statement to me that AFNI could not sue me for this debt but mentioned they opened the account with their office on XX/XX/XXXX but the account was for a charge with XXXX XXXX on XX/XX/XXXX. Not only is this company attempting to collect incredibly old debts, they are doing so without contacting me first to allow me to dispute the debt. My information on my credit profile is up to date and in the event they were to mail me or call me ( same number since XXXX ) they would've been able to alert me of this before reporting this to the credit bureaus causing harm to my score. 

I want this removed from my credit report immediately as this is not in line with fair debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Two separate transactions of {$79.00} paid towards XXXX XXXX XXXX in XXXX, NJ had posted to my account more than once after it originally posted. Wells Fargo states that despite the confusion, nothing went wrong on their end. When I asked to close account, they hung up on me.

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 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
I received a letter on XX/XX/XXXX of this year from First national Collection Bureau , INC . They stated that i was sued and a judgment for the amount of XXXX was ordered in XX/XX/2007. The company that they claim the judgment was for is XXXX XXXX XXXX who is collecting on behalf of XXXX. The date of the letter is XX/XX/XXXX of this year. The letter states that it is a Judgement Collection and that you must dispute with in 30 days of receiving the letter. However there is no post mark stamp to determine when the letter was actually sent. The letter says it was sent from a XXXX XXXX in California but the office address of First National Collection Burea is in Nevada. They are also sending it addressed to my maiden name which I legally changed and have not used in over 20 years. The letter is very unclear. it states that i must contact them and once i do they will validate the judgement or the debt. I was never served to appear in court and I checked with every circuit clerk for the counties that we have resided in over the last 20 years and there are no judgements listed. I have never had any credit cards or loans for this amount and I have never heard of XXXX. When i did research on this company all I could find is that they were sued and settled for XXXX XXXX for false practices by the stated of California and that they eventually were bought by XXXX  XXXX who is also no longer in business. I reached out to First national Collection and all they keep telling me is that they need me to pay and that if not they can garnish wages or come after assets. When I asked about the judgement and when and where did this take place I get told the same case number that is on the letter but they will not provide the state or county that it was secured in. When i request a supervisor I get left on hold and no one comes back or the call is disconnected. I was under the impression that before a collection agent could attempt to collect debt that by law under the FDCPA that they are required to verify the debt which their letter clearly states that they will only do if you dispute the claim.. This has all the earmarks of some kind of scam.My concern is that they are targeting people in these difficult times and threatening financial recourse for debt that is not valid. I am hoping that your agency can help and put a stop to this.They claim at the end of the letter that if you pay them now they will discount the amount by 40 % but that they are not obligated to renew the offer. It also doesn't state the terms of this payment arrangement. There are also no dates as to when each payment would be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I have called XXXX XXXX  and ask them to send me a copy of the signature of the original loan paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Equifax keeps saying it was verified I have asked Equifax to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXX XXXX I never took out a loan for {$5000.00} from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have resolved the problem paid the account in full is the reporting on my credit as negative 's please update 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 non-monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pendrick Capital Partners
State: IL

Complaint narrative:
Received multiple calls and letters from XXXX XXXX XXXX naming the creditor as Pendrick Capital Partners LLC. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by XXXX XXXX XXXX once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX XXXX cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made a purchase during a promotion period in XX/XX/2019 using my credit card. The promotion was no interest paid for 12 mths. My statement said in XXXX to not be charged interest when the promotion ends I would need to pay off of the promotion balance before the promotion ends. In XXXX I made two payments equal {$930.00} which was more than promotion balance. The bill did not specify where I could allocate my payments. I assumed based on the amount I need to pay the large payment I made would go towards paying the promotion balance. I continued making my regular payment and sometimes more than the minimum balance since then. 
I noted today that my card amount due increased by over {$200.00}. This is because an interest payment of {$200.00} was applied. When I called them I was told that the XXXX payments where not applied to the promotion and I should have called customer service earlier and let them know to change where these payment were allocated. 
I was told the only way to avoid paying the {$200.00} interest is to pay off the {$480.00} balance by XX/XX/XXXX and they can't reallocated the {$930.00} payment because their system made the best judgement of applying my payment as a regular payment instead of the promotion,

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 monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The credit bureau is reporting an outdated closed account with XXXX XXXX XXXX. This is account is older than 7 seven years. I have disputed this outdated closed account with the credit bureau several times.

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
After placing a prior complaint on XX/XX/2020 regarding this matter, I received a call from the odsbudman at the corporate office of SPServicing on my home phone. I spoke with XXXX and I explained that I needed to extend the original 90 day forebearance to an additional 90 days as stated in the Cares Act. XXXX explained that I needed to take a survey to see if Im qualified. XXXX confirmed that I will need financial records on hand to qualifiy. XXXX explained that I dont fall under the Cares Act as my loan is not federally backed. I asked XXXX how did that change as all my original loan documents says the loan is federally backed. XXXX would not answer and just kept asking me to complete the survey. My loan has been trasferred several times. Since Select Portfolio Servicing is the gate keeper to the mortgage company, I had no idea who is the owner of my loan. The last correspondence I received was from XXXX XXXX  just after signing an agreement to recast the loan and that SPServicing would be the service provider. All orignial terms of the original loan were still in place. XXXX would not provide me the information over the phone, XXXX said he would mail it to me. I received the document. The Loan holder is listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Long an behold XXXX XXXX is the actual holder. The document also states that the account ownership status may change from time to time. Will I be notified or is this a behind the scenes event? The XXXX XXXX website says they are offering 180 days of forebearance. How did the federally backed loan change to a non federally back loan. I feel like Im being taken advantage of and being strong armed. SPServicing is not forth coming with information in a timely fashion nor was I ever notified that my loan was transferred from XXXX to XXXX XXXX. I am receiving emails from SPServicing claiming they have attempted to call me on XX/XX/2020. My last Call from SPServicing was on XX/XX/2020 ( XXXX ). No call, message or call ID left. Thank you for your time in this urgent matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX a Bank of America representative contacted me by way of telephone.The representative explained to me that their company had covid-19 deferral program that I could participate to pay on the credit card.I agreed to enter the program.On XXXX XXXX is when I made the first payment toward the credit card balance. The first payment was in the amount of $ XXXX.Which bought the balance owed {$250.00} which would have made the credit card current as this card had a {$500.00} credit limit on it. Thinking my credit card account was still open. 
When I went to rent a car rental they told me my credit card did not go through. I looked on the BofA app to see what was going on it said I had a {$230.00} available.That was odd to me seeing prior it was {$250.00}, but I went to deposit another {$200.00} on XXXX XXXXI called BofA to find out when my deposit would post. That is when I was informed my account had been closed since XXXX of this year. The lady that I spoke to informed me she would make a complaint and to check back in a couple of days about the status on refunded my money. I called yesterday XXXX XXXX.I spoke to a series of people finally the last person I spoke with was XXXX. 
My complaint is the BofA representative contacted me about some referral payment plan knowing or should have known the credit card account in question was closed since 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 2020-07-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted Chase to request a credit limit increase on my credit card. I was told that for the increase there would be a hard inquiry. I asked what bureau did they pull from. I was advised by the agent that it would be a hard inquiry from XXXX  only. I made sure to ask this because I did not want a hard pull from my XXXX or XXXX accounts. Once I got off the phone, I realized that indeed the agent pulled from ALL THREE bureaus. This went against what I was told and I immediately contacted Chase to inform them. I was told that it would be reviewed and I would be contacted with results. I was contacted a few days later by a Manager, whom told me that they review the dispute along with the phone call and they agreed that I was told misinformation ; however, they still were not going to get the inquiry removed from all bureaus. I think this is not ethically correct on their part. Because I was told misinformation, I ( the consumer ) am effected negatively. They told me that they would educate their employee on this to prevent it from happening again but that still does not resolve MY issue. Please assist with this issue.

Company response to consumer: Closed with explanation