vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2021 I paid Capital One {$290.00} on my credit card bill. This was my error, I should have paid {$960.00}. This left a balance of {$670.00}. 

I was assessed interest of {$28.00} which I paid on the following month on XX/XX/2021 along with my balance of {$2400.00} and before the due date. 

However I was assessed a ADDITIONAL interest of a {$24.00}. Thats a total of {$54.00} for the one month short payment of {$670.00}. This is a interest rate of OVER 96 %. 

Their published interest rate is 17.9 % annual rate. 17.9 % of {$670.00} is {$120.00} or {$10.00} per month. 

My charge of {$54.00} amounted to a overcharge of {$43.00}. ( Note : Even though with creative book keeping they were somehow able to charge interest for 2 months it would have only been {$20.00} at the 17.9 % annual rate. ) My complaint to them resulted in a written denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX, Experian and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.

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 2021-09-14 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
At the end of XXXX last yr a individual got my information by false pretenses. He then used my information to run up my credit card and other things. This carried into XXXX of 2020 and to my Bb & t accounts. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card, and through an intermediaries ( which I opened the account under the presssure of scammers ) in the total amount of XXXX USD utilizing the services of XXXX XXXX XXXX XXXX. I requested to initiate recall/chargeback for my transactions from my bank but unfortunately I did not recieve any satisfying answer from their side.

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 2021-09-14 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: GA

Complaint narrative:
I noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from 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 2021-09-14 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: GA

Complaint narrative:
I noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from 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 2021-09-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have been tryin apply for assistance since XX/XX/XXXX, since then SPS has denied my request for mortgage assistance numerous times. Most recently I applied for loan modification assistance on XX/XX/XXXX and faxed in documents to XXXX on XX/XX/XXXX SPS declined my request for mortgage assistance within 7 days of me submitting my paper work. I don't feel that SPS properly reviewed my paperwork during this time since there denial turnaround was so quick. I was never given a single point of contact to discuss this decision and I was not given a denial letter or was informed why they denied my case. Each time I asked for a copy of the letter they assured me there is one and that I should have received it by now. This lender SPS is purposely denying my modification or assistance only to foreclose on my home. I have Offred {$9000.00} towards the past due if they can work with me and apply the balance to the end but also denied that request. I am asking the CFPB to investigate SPS on violations under the Truth In Lending laws set placed for Failure to perform and Negligence on my home. SPS has failed to remove the foreclosure date set on my home while I worked with them with options, right now they currently have my home for Auction for XX/XX/XXXX and when I asked them to allow me to apply for help they refuse and say its not enough time prior to foreclosure and offer only Deed & Lou but SPS has had foreclosure against my home while under review for mortgage help, I believe this is in direct violation of Dual Tracking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX I received a letter from a Debt Collection agency stating the I owed XXXX {$44.00} I never received a bill for this, but I went ahead a paid the Debt collection agency EOS They sent me letter stating that the debt was paid & XXXX was paid on XX/XX/XXXX I received another letter from a different debt collection agency stating that I still owed {$44.00} to XXXX I contacted XXXX and they claim the EOS never paid them even though EOS sent me a letter stating that they had

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have given this organization over two months to resolve the charge on my account of {$47.00} for merchandise not received said to have shipped on XX/XX/2021. I have place numerous calls to the Credit department to have the charged removed from my bill and also complained to the order department directly. I have exhausted getting a resolve through their customer service representatives and supervisors. No one has made an effort to to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
i started my letters with SOUTH MISSISSIPPI COLLECTION ON XXXX XXXX asking for the validity of debt about these alleged debts of XXXX, {$150.00} that i don't owe.they never sent me the information that i requested, so i sent another letter on XXXX XXXX asking for more information that i never received.they have violated the 30 days to respond to the consumer and these inaccurate and incomplete items should be deleted ASAP before i turn this matter over to my attorney.XXXX XXXX XXXX sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debts of {$550.00} and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOUTH MISSISSIPPI COLLECTIONS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
Robo dialer calling me repeatedly 50 times in a row. Constantly calling over and over and over again. Without stopping. I've had to turn my phone off. And I've blocked the number and it still calls. Even after speaking to them it continues. Calls come at all hours of the day, early morning, midday, late night, doesn't matter, but it's almost always at least 20-60 times a day, every day for the last 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The bank has a rule about not being able to withdrawal or swipe your debit card for more than {$500.00} a day within the first 90 days. However the website states that I can request a one time extension to this rule. Yet when I attempted to request this extension to pay my rent the bank told me that I couldn't use this extension because it was the first 90 days. Then proceeded to tell me I need to make three separate withdrawals one three separate days which would of course cost me additional money in ATM fees or money order fees.

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 2021-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BQ & Associates, P.C., L.L.O.
State: SD

Complaint narrative:
I have had two accounts with XXXX XXXX Bank that were past due since the beginning of COVID. During COVID I had XXXX XXXX defer payments. After COVID was over and we were back at work, we had sold our house on XX/XX/21. I contacted XXXX XXXX in midXXXX to inform them that I would be paying both credit card accounts in full by the end of XXXX ( we close on XX/XX/21 and the check will be available to me anytime between 2-10 business days ). XXXX XXXX accepted this agreement and told me they would not pursue legal action. This morning, XX/XX/21, I received a call from our local police department that they had tried to give me a summons for court from XXXX XXXX and their representation ( BQ & Associates ). I have tried contacting the bank which they told me to contact BQ & Associates and I have called and left voicemails for the individual in charge of my file with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TD BANK N.A.. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
I was contacted by State Collection service by text and phone ( even outside of the time window they are supposed to contact ) with claimes I owed a debt. I did not recognize what the debt was for and asked on at least 3 occasions, twice on phone calls and once by letter, for validation of the debt since I did not recognize it.

They continued contacting demanding payment but never provided the validation documents and recently reported the debt to credit agencies.

I am not going to pay a debt I don't recognize and under the law, the validation documents should jave been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
from XX/XX/2020 to present time the financial company try helping me while unemployed due to the global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I have been paying 11percent interest on {$18000.00} loan for the past 21yrs, I have paid roughly {$46000.00}. on this loan, they keep changing loan companies every time I start to pay extra on my principal payments this is XXXX XXXX c/o PHH Mortgage service and others

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BEACON FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Sunday XX/XX/XXXX I received a text message from Berkshire Bank asking me to authorize transactions to my account. These were not me, so I quickly replied and said no. I then receive a call from Berkshire Bank asking once again to authorize the four transactions, all that I said no, I don't authorize. They closed my debit card and I thought it was settled. Today, the XXXX of XXXX, I notice all transactions were posted to my account, even though I did not authorize them. 

I call the bank and they tell me " well once it's authorize, all we can do is dispute it. '' even though I did NOT authorize TWO different times. So now I am out {$400.00} because the bank let these transactions get posted. My money was stolen by a hacker and now it's stolen by the bank. I am beyond livid with how this was handled. I have been a customer of this bank for nearly a decade and I feel completely robbed and unprotected. What is the point of their fraud service if they're going to take my money for the next 90 days? I'm disgusted with Berkshire Bank and their way of handling this situation. 

The amounts were : {$100.00}, {$73.00}, {$53.00}, {$50.00}, and {$100.00}, all to XXXX XXXX. It's obvious my account was hacked and used to purchase XXXX  video games. This is {$400.00} of MY money and I want it back.

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 2021-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX someone logged into account a sent three XXXX transactions to their account after stealing my phone. 
Transaction 1 was for {$1.00} Transaction 2 was for {$1300.00} Transaction 3 was for {$1400.00} On XX/XX/XXXX I filed a claim with chase informing them of the fraudulent transaction claim # XXXX chase denied the claim on XX/XX/XXXX. 

I had my attorney send chase several letters in which they never responded to. 

To Whom It May Concern : Please be advised that our offices have been contacted by XXXX regarding the claim and account number set forth above. MsXXXX XXXX informs us that on or about XX/XX/XXXX, an unauthorized charges in the sum of {$2800.00} was assessed against her account by XXXX Payments. She does not know the recipients of the funds. 
As Ms. XXXX did not authorize the charges, she promptly disputed the charges with Chase Bank on XX/XX/XXXX and the claim number set forth above was commenced. On XX/XX/XXXX, your offices closed Ms. XXXX claim, erroneously concluding that the transaction was properly processed and/or authorized. Ms. XXXX then disputed the finding and Chase again denied the dispute, saying that no fraud triggers could be detected and that the device used was consistent with her log in history. 

Ms. XXXX states that her device was secured in a locked location while she was hospitalized for XXXX. She was unaware that her phone had been stolen as she was seriously ill and hospitalized at the time. She therefore had no occasion to report the theft until she left the hospital and discovered it. Ms. XXXX asserts that at no time did she initiate these charges with XXXX. As such, the charge was clearly fraudulent and Ms. XXXX should not be held financially liable for the charges. 
On behalf of Ms. XXXX we demand that your offices reopen this claim and remove the charge and any related fees from Ms. XXXX account and send Ms. XXXX written confirmation of the account adjustment. Alternatively, if your offices contend that the charges were authorized, then we demand that your offices produce written copies of any and all documentation upon which base your conclusion for Ms. XXXX review. If your offices fail to comply with this demand within twenty-one days of the date of this letter, we shall advise MsXXXX XXXX to pursue all remedies at her disposal. This firm appreciates your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My credit cards is not reporting to my credit report 2 XXXX cards XXXX credit card XXXX credit card XXXX  credit card Also I am an authorized user on a XXXX credit card Also I am authorized user of a XXXX 's credit card Also authorized user on a XXXX XXXXXXXX card

Company response to consumer: Closed with explanation