vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX ATTN : Customer Care XXXX XXXX XXXX XXXX, TX XXXX XXXX : Incorrect data/information with Membership ID XXXX Login : XXXX for XXXX XXXX XXXX ( DOB XX/XX/XXXX ) and XXXX XXXX XXXX ( DOB XX/XX/XXXX ) On Monday XX/XX/XXXX, both myself and XXXX opened accounts with Experian to access our credit reports individually. As we became familiar with the site, we decided to change to the Family plan membership. We then, canceled XXXX account and added her to mines. 

Since the account change took place, my name was removed from my account and replaced with XXXX name. I see my credit report, SSN # and DOB, but under her name. 

In efforts to correct the data, I removed XXXX as an adult on my account on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my information was still being presented with XXXX name. I cancelled my family membership on XX/XX/XXXX and tried to reopen the account with only my information. The system did not let me open a new account and prompted me to login with my XXXX login. 

The information has yet been corrected. We created the Experian account in order to dispute charges when needed and to lock our identity. 

I have been unsuccessfully reaching the customer service department at, XXXX, which is why Im writing this letter. 

I ask that someone please look into the data that appears on our accounts. Ideally, we would like a family plan, but if it is going to cause an issue, then we would like separate accounts with our information fully segregated. 

If you have any questions, please contact me at XXXX. I have enclosed screenshots of what we see when we log in. 

Thank you, 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 2018-11-21 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: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
This is regarding a {$360.00} charge from XXXX XXXX on my Chase credit card. I showed XXXX XXXX my credit card as part of the check-in process, did not authorize any charge on the card, and was surprised by a {$360.00} check-in fee on my account. 

I contacted Chase three times to attempt to resolve this. Chase has told me that because I physically showed someone my card, they consider that valid authorization for the merchant to charge any amount they wish on the card, as long as the merchant provides some sort of good or service. The fact that showing a credit card to check in at airports is a routine, non-transactional occurrence does not matter. The fact that the surprise charge is 150 % of the value of the original ticket does not matter. The fact that I never authorized or signed for the charge does not matter. The fact that I was not given the chance to approve or decline the charge does not matter. Simply presenting the card is considered authorization for the merchant to charge any amount, and Chase will consider it valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 I called Citibank to understand why finance charges were being applied to my credit card account despite the fact that I had paid the balance in full every month. I was informed that due to a partial late payment in XXXX -- I paid off the full balance 1 day late -- I was being charged daily interest on every purchase made for a subsequent 2 month period. Interest was being applied not on an unpaid balance, but on every transaction. In essence, this became a card that is not a credit card. No revolving credit for 30 days, as is the common understanding of credit cards. I have never encountered this type of penalty for a late payment. Nowhere on my statement does it indicate that I am no longer receiving credit of any kind. I feel that this is a predatory lending practice that I could not possibly have been expected to anticipate. Had I understood this was happening I would have used one of the several other avenues I have for credit over the last two 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 monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NJ

Complaint narrative:
XXXX sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen ). If this is just a advertisement, then this kind of the confusing commercial behavior need to be stop to bother customers.

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 2018-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
I original had a payday loan that has been paid off for 2 years. Today I looked at my checking account and they charged my account {$120.00} for a maintenance fee. I have not requested any money from this company and never received documentation that stated they would hit my checking account with some random fee. I have disputed this with their company as well as my bank. I did not authorize this transaction and made my payments on time every month and the balance was paid off 2 years ago. They have taken advantage of me as a prior customer because they still had access to my bank account. The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: WA

Complaint narrative:
I have attached my last three billing statement to support my claim with dates. 


I am making payments well above my previous bill and yet Discover is still applying a purchase APR of 12.99 % to a portion of my purchases. This only works if Discover is paying down my current not yet billed purchases. I do not believe what Discover is doing is legal. 


Taking extra payments and applying it to unbilled purchases instead of towards previously billed purchases and towards existing balance transfer. 

Example ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars The XXXX dollar payment covered about XXXX dollars more than what I was billed from previous purchases. 


Instead of the balance transfer being down to approximately XXXX dollars after the additional payment, Discover is stating that the current balance transfer is XXXX dollars ( subject to 4 % APR ) and is then charging me 12.99 % APR on XXXX dollars of unpaid purchases. 


Discovers practice should be investigated, as it is deceitful and unclear. 


I called Discover XX/XX/2018 and informed them of the issue. They basically said that is just how they do their calculation however, they did not provide me with anything specific about my account, just generic rules they have. After I told them I was going to file a complaint with XXXX  and CFPB they offered to give 0 % on future purchases and I declined. My concern is that they are doing this to other people who are struggling financially and this practice is in place to keep people in debt. As for myself I told them I will not be making future purchases with my discover card for awhile and I plan on paying off my bill completely in the next couple of months. 


Additional History : Note : The original balance transfer was XXXX dollars. 
Example of month before ( XX/XX/2018 ) : Previous purchases billed XXXX dollars Current unbilled purchases XXXX dollars Balance Transfer balance XXXX dollars ( 4 % APR ) Total payment XXXX dollars Balance transfer should have been paid down to XXXX dollars with the additional payment of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MT

Complaint narrative:
This is a credit card with US Bank for my farm. 10 years ago this card was opened and used for XXXX XXXX. the interest rate agreement was for 8.9 per cent. After a year they raised the interest rate to 28.9 per cent. I had never missed a payment nor was ever late always paid more than the minimum. I called them to find out why they had raised the interest rate. They said it was because I had too much available credit and if I would close some of my other credit card accounts they would lower the interest rate so I did and called them back after 6 month then they said they could not lower it because I didn't have enough available credit and to call back in 6 month and they would lower it. This went on for over 10 years I continued to try to work with them. I figured I had paid almost {$40000.00} to them for a {$10000.00} charge. I repeatedly tried to work with them and they refused to work with me so after paying that much I stopped payment. I should have never been charged the 28.9 per cent it should have been 8.9 per cent and it would have been paid off 5 years ago. Basically this has been extortion. Now they are randomly pulling money out of my bank account, I have repeatedly tried to deal with them but they are just continually extorting money from me. I would greatly appreciate any help I can get on this matter.

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 2018-11-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully. 

Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan.

We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan. 

We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing. 

We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.

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 2018-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a letter from a collection agency, XXXX XXXX XXXX XXXX XXXX to collect on a school loan for the United States Department of Education. This is the information I received : Reference No.  XXXX Principal Bal. {$20000.00} Interest {$46000.00} Collection Chrg {$11000.00} Total due : {$78000.00} I've attached a copy of this letter to this correspondence. 

I'm a bit in a panic state about this. 

I'm XXXX years old, on a pension and social security. 

A little history : I went to the University XXXX XXXX XXXX back in XXXX and graduated in XXXX. My only recollection is that my dad took out a loan for my college education. In the XXXX plus years since my graduation, I've never received a bill from the Department of Education regarding this loan. My understanding is that my dad took out this Federal Loan on my behalf. I'm almost 100 % sure I was not on the loan at all. My parents were always going to pay for my education. It's been over 40 years and I can't say for sure, but I don't recall ever receiving information about this loan until now. 

My name is currently XXXX XXXX. The letter came under the name of XXXX XXXX XXXX XXXX which was a previous married name that I haven't used in 29 years. 

My maiden name at the time I went to XXXX was XXXX XXXX XXXX. 

I'm very afraid of contacting this collection agency directly since I've read their collection efforts are ruthless. I'm not sure where they got my name and my mailing address since I just acquired this mailing address about 6 months ago. 

I've worked very hard to obtain a XXXX credit score and I'm so afraid they will report this debt as a defaulted loan after XXXX years. 

If it is discovered that I, in fact, was the primary borrower, I will do whatever is necessary to resolve this without the interference of a collection agency. At this time I feel helpless because I have no idea about the details of this loan. 

I would be forever grateful if you could advise me as to the next steps I should take to resolve this matter. 

Thank you in advance for your assistance. Please contact me as soon as possible as I feel very uncomfortable about this whole situation and I don't want my credit ruined. Thank you again. 

XXXX XXXX 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 2018-11-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have reached out to Portfolio Recovery on several occasions to report accounts that are fraudulent as well as the 3 major credit bureaus, XXXX, XXXX  and XXXX. XXXX  removed it per my request and demand, however Portfolio won't remove it even though XXXX found it to be fraud and removed said accounts. The account was being reported to my credit multiple times, once by the original creditor, XXXX XXXX and then again by the collection agency, Portfolio Recovery. Portfolio Recovery fails to cooperate with my request after multiple demands to their letter. They are now in violation of the Fair Credit Reporting Act Section 623 ( a ) ( 6 ), Section 623 ( a ) ( 9 ), Section 623 ( a ) ( 2 ), Section 615 ( f ) for which that reads : Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

A copy of my photo ID has been attached. 
I am unable to include my social security card as the card has been destroyed over the years and a new one is not available at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I applied for and closed a HELOC with Huntington Bank. Huntington opened up a checking account with the origination of the loan. I was asked before we closed the loan " would I want proceeds of the HELOC deposited into the newly established checking account? '' I said yes, in the amount of {$200000.00}. Unfortunately the loan processor made an error and issued a cashier 's check instead of funding the account electronically. On Wednesday XX/XX/18, I deposited the cashier 's check ( drawn off of Huntington ) into my new Huntington DDA. On Thursday, I attempted a wire which was rejected because there was a stop payment on the cashier 's check. As a result the my DDA was frozen for suspicious activity and has remained frozen for a week with no end in sight. 

In addition, I was led to believe the only freeze was regarding the online account access which I had to inquire a bit more thoroughly about only to find out the account is actually frozen. 

By the Bank 's own admission of error ( documented in emails ), I am no longer able access any of the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: OH

Complaint narrative:
In XX/XX/2018 I fell behind in my credit card payment due to unforeseen financial issues. I received repeated calls from the company. I spoke with them and advised I would be bringing current in XXXX The representative I first spoke with was extremely aggressive and insisted I set the payment up with her right then, because she was looking at my checking account information. I advised I didn't want to set up right then but would call back. She informed me that because I wouldn't set the payment up with over the phone using the checking account information she could see they would continue to call me. I told her I was promising to pay and would call back to make the payment. she was very aggressive and rude about insisting I make the payment right then. I asked to speak to her supervisor. his name was XXXX. He told me the same thing. I asked to have calls stop unless I didn't make the payment. he told me that if I put a cease and desist on the file they would close it right then. I asked that at a minimum they put a cease on my work number but could continue to call me since that was their procedure. he informed me he would update my work phone as no calls. However I continued to receive calls at work. I ignored the additional calls until it was closer to the time that I was ready to make the payment. As the date approached in XXXX, I answered the phone and spoke with another representative and provided her with the date and amount I would be making the payment. she again insisted that I set up the payment with her right then because she had my checking account information and wanted to know why I wouldn't just set it up with her right then. I informed her I would call back on the date and make the payment. She acted like she was put off but did ask some questions as to what caused my delinquency and updated my account for no calls at work. I did not appreciate the manner in which they continued to inform me that they had access to my checking account and their insistence that I set up future dated payment with them right then and their. I gave my checking account information over the automated phone system, not to individual to share with all employees to inform me that they were looking at my checking account information. they were way too forceful and aggressive in their tactics and they displayed minimum customer service. I made the payment to bring the account current and as of today, I paid the account off so I do not have to deal with them anymore, as they have horrible customer service and are way too aggressive for a person with first time delinquency.

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