vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
On my XXXX statement for my Comenity Capital Bank XXXX XXXX card, my promotional balance was XXXX to be paid in full by XX/XX/XXXX to avoid paying interest. My minimum payment due by XX/XX/XXXX was XXXX. I paid the {$56.00} on XX/XX/XXXX. I paid an additional {$100.00} on XX/XX/XXXX. I called on approximately XX/XX/XXXX and asked for the {$100.00} to be allocated to my promotional plan. The representative said I had to wait and call in about a week. I called about a week later and asked for the {$100.00} to be allocated to my promotional plan and was advised it had been done. I looked online a couple days later and didnt see a change. I then received my XXXX statement. The payment for {$100.00} was there but my promotional balance was now {$260.00}. Only {$10.00} from my minimum payment due had been applied to the promotional balance. My {$100.00} payment had not been allocated to my promotional plan. Had it been applied, my promotional balance would now be {$160.00}. My minimum due on that statement was {$52.00} due by XX/XX/XXXX. On XX/XX/XXXX I submitted a request in writing throught the websitess Secure message center asking for the {$100.00} to be appled to my promotional balance. I have yet to receive a response. In addition, I called back again and spoke with a manager and asked that the {$100.00} be allocated to my promotional plan. He stated it was previously done incorrectly and had been done correctly now. He then told me an amount to pay before my next statement to pay off my balance. On XX/XX/XXXX, I paid a total of {$220.00}. This was to cover the corrected promotional balance of {$160.00} plus pay XXXX, which included my minimum payment due. I waited for the promotional balance to be reduced online and it never was. I called XX/XX/XXXX and was advised that I would not be able to see a reduction in my promotional balance until the statement cut and to check the balance on XX/XX/XXXX. I checked the balance on XX/XX/XXXX and my promotional balance was reduced to {$87.00}. This new promotional balance reflects {$10.00} applied from my minimum payment due and the extra {$160.00} from the {$220.00} I paid on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with a manager asked that my {$100.00} be allocated to my promotional plan. She advised that there was nothing she could do as they werent able to go back that far to move the money. She told me that if I pay my new minimum payment due plus the {$87.00} by the due date, it would pay my promotional plan off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid off a charged off credit card on XX/XX/2020. I was informed by home refinance company I need a receipt to prove the had been paid. I contacted Bank of America on XX/XX/2020 to request a receipt for the payment. I was instructed that the receipt would automatically ve send within 10-15 business of payment. The money had been debited immediately from my checking account. As of XX/XX/2020 I have not received the receipt. I contacted Bank of America today and was informed that I had to specifically request a receipt for the payment. This information is materially different from the information I was given on my XX/XX/2020 call. This misinformation has caused a substantial and detrimental effect on my va home refinancing.

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 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland funding held an old XXXX XXXX account was paid XX/XX/2019 I was told it was closed. 

I was promised a clearance letter would be mailed XX/XX/2019 that I never received. 

The account is has been put on my credit report again negatively and now showing it as a charge off. 

Ive attached the payment transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TRANSUNION FAILED TO INVESTIGATE THE DISPUTE ITEMS WITHIN 30 DAYS. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT ...

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 2020-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Today XX/XX/2020 I reached out to Ability Recovery to satisfy a debt. This debt was accrued due to false, misleading information from XXXX University which led to me attending classes. After learning of the misleading, false information I ended my relationship with the institution. At that time {$5000.00} was charged to my account. To prevent negative information from reporting to my credit I began making payments as I can recall, because XXXX will not provide me with billing information I paid the account down {$3700.00}. XXXX sold the account to a collection agency and they are charging in access of {$700.00} I am still making payments and inquired in the {$700.00}. The representative immediately became rude and said I was giving him a hard time and hung the phone up. No one will tell me where the {$700.00} was applied. REP. XXXX informed they do not charge any fees and to contact XXXX to see where the money was applied. I attempted a conference call XXXX informed he cant do third party calls. No on will provide me with any information on the money I already paid towards the account and they are tellling me its just cheaper if you pay 2700+. Also I am currently making payments towards the account they continue to hang up as soon as they answer the phone and XXXX told me to get a life and pay my bills.

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 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On my student loans the payments were automatically deferred due to COVID19. I did not opt in to deferring the payments as I am able to pay my payments through these times. 

My credit score has decreased as a result of the automatic deferment. A remark was made to that account. 

" Between XX/XX/2020 and XX/XX/2020 the following remark was added to this account : Student loan - payment deferred ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
More than 10 years ago I was a co-signer on a student loan for an ex spouse. In the last two weeks, I have received daily phone calls demanding payment. I have no connection with the borrower and was offered no options for resolution. I was threatened with negative action against my credit if I did not make a payment. I had no information regarding the loan and was offered no verification on loan amount, past due amount, or even account numbers. I asked to no longer receive phone calls regarding the matter, and was told the " calls will continue until you pay. '' This is harassment and a violation of the law regarding debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: GA

Complaint narrative:
Ive been with Homepoint financial Since XXXX, and they have increased my mortgage yearly! 

Their reasoning is that they want a bigger buff in the escrow! 

Ive not been give any consideration about these yearly changes, Ive owned my property since XXXX and has never missed/late payment! 

This is the first company that increasing my mortgage yearly when the other two previous ones didnt. 

At these financial times I cant afford to pay these increases yearly! I would like to have my mortgage assigned to another company that CARES for their clients and has compassion during rough time. 

I really hope someone can take time to help me! 

What would happen if I dont pay the increase they are asking for?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I was notified of the existence of this debt after submitting to a background/credit check for a new job. After contacting XXXX XXXX, I contacted Portfolio Recovery Associates who had apparently purchased the debt. I was not notified by mail, phone, email, or any other communication type by XXXX XXXX of the existence of this account prior to the debt being sold to Portfolio Recovery Associates ( PRA ). 

On my third attempt to contact PRA, I was finally able to reach an associate who agreed to start the dispute process for me. After expressing concerns about the time-sensitive nature of my dispute, I was not given a timeframe or made aware the PRA would request further documentation from me, by mail, even after making the associate aware that I was not reachable by mail at my home address. I have been sheltering in place out of state due to COVID-19. 

After filing the dispute on XX/XX/XXXX, I called PRA a total of 6 times to attempt to ascertain a status update. Each time that I called, I spoke initially with a customer care associate who would then transfer me to disputes where I would wait on hold in excess of an hour each call. Each customer care associate was made aware of the time-sensitive nature of my dispute, and none of them provided a direct phone number to reach disputes. In addition, the PRA website lists their general customer care number as the direct line to their dispute department. PRA refused to provide me with accessible documentation to reflect the disputed status of this debt. 

I was not able to reach a representative in the dispute department until XX/XX/XXXX. I was not notified by phone during any of these phone calls, until XX/XX/XXXX, that the PRA Dispute Department was waiting for documentation to be provided by me. I was not made aware that the affidavit they requested by mail could be provided electronically through the FTC website.

It is my belief that PRA associates chose not to provide a full and fair disclosure of the options available to me, in an attempt to elicit payment for a debt that does not belong to me, because they were made aware of the fact that my job offer hinged upon my providing an account for this debt. They believed that they could corner me into paying for the debt rather than doing their best to provide to me their reason to me for believing that the debt was truly mine. 

I was made aware that each call was recorded, and my expectation is that PRA will review all of these calls which will back-up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I made a purchase online with XXXX on XX/XX/2020. 

I reviewed my free credit report with Equifax on XX/XX/2020 and noticed a credit inquiry on the same date of purchase stating most recent inquiry : XXXX/XXXXXX/XX/2020 I purchased one item and paid with a debit card. I never asked for or applied for a credit card nor did I give the site my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
ON XX/XX/2018 I TOOK OUT A PAY DAY LOAN FOR $XXXX FROM NET CREDIT. NetCredit Attn: XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, IL XXXX Phone: (XXXX) XXXX Email: XXXX   Fax: (XXXX) XXXX   XXXX THEY ALSO HAVE AN ADDRESS AT XXXX XXXX XXXX, XXXX, TX 75063 AND PHONE NUMBER XXXX. I WAS UNABLE TO MAKE THE PAYMENTS BECAUSE NET CREDIT WAS ADDING OUTRAGEOUS FEES AND INTEREST TO EACH PAYMENT.  I WAS UNAWARE OF THEIR PROCESS.  

AS A RESULT, MY INITIAL AMOUNT THAT I OWE OF $XXXX HAS SKYROCKETED TO $XXXX AND GOES UP AND UP EVERY MONTH.  IT WILL REACH A POINT WHERE IT COULD GO OVER $50,000+

IN ORDER TO GET HELP I ENROLLED IN A DEBT RELIEF PROGRAM WITH XXXX XXXX.  NET CREDIT HAS REFUSED TO ACCEPT A PAYMENT OFFER OF THE ORIGINAL $XXXX; INSTEAD, THEY ARE BASING THEIR SETTLEMENT NEGOTIATIONS ON THE $XXXX.

NET CREDIT IS SO MUCH LIKE A LOAN SHARK.  THEY DON'T EVEN CARE THAT FINANCES HAVE BEEN AFFECTED BY COVID19 AND PAYMENTS OF MORE THAN $400 A MONTH ARE NOT DOABLE.  THEY DON'T CARE!  THEY WILL JUST ALLOW THE DEBT TO BALLOON TO AN OBSCENE AMOUNT.

THIS CANNOT BE FAIR.  AND, I DON'T UNDERSTAND HOW THIS CAN BE LEGAL.

THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back in XXXX of XXXX my adjustble rate mortgage was adjusting up by {$19.00}. I never received the notice for XXXX sent wrong to address because of unit number. When I noticed the increase in on the XXXX XX/XX/XXXX the representative who helped me was able to take an extra unapplied pay i made in XX/XX/XXXX and applied it to the underaged mortgage payment, thus making it current. I even made 2 payments extra in XX/XX/XXXX so this would never happen again. Thus, always having my payments with more money in advance. Chase had reported late payment in XX/XX/XXXX but then fixed the mistake and fixed my credit. 1 year later, in XXXX, Chase now has started to report again and report the late payment after it was taken care of. Now, reporting late again on my credit. They are going back on their word when they admitted they had already fixed and applied payment and error reporting late to credit 1 year ago. My credit is being affected by 40 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Original loan with Wells Fargo Auto was purchase of Certified Pre-Owned XXXX XXXX from XXXX, AZ dealer XXXX XX/XX/XXXX. The loan has been paid monthly since purchase usuall several days before due date the first of each month. In addition, Three pre-payments were made totaling {$7000.00} In a former complaint, I went on-line to WFA web and started a re-finance application in XX/XX/XXXX. I did not complete the application and closed the WFA web site believing an incomplete application would be rejected. Shortly after, I learned WFA underwrote the incomplete application. However, since I never gave permission for WFA to access my credit information, I believe their access to my credit history was illegal. Between XX/XX/XXXX and XX/XX/XXXX I had contact with WFA Office of the President and the issue was finally addressed. 
The week of XX/XX/XXXX, I contacted WFA and inquired about re-financing the loan assuming interest rates would be more favourable. 
I was informed WFA had made the decision in XX/XX/XXXX not to accept any applications to re-finance auto loans even though they are the original company that extended the loan to me. 
The reason given, " due to the current Corona Virus problems. 
Although not illegal I suspect, to refuse to allow me or any other clients to take advantage of lower consumer finance rates should not be allowed and/or WFA should be prohibited from offering consumer loans to the general public. 
I also suspect, the decision not to accept applications for re-financing customer loans in good standing was not publicly announced to the general public in order to escape further damage to the reputation of Wells Fargo Bank. Either the company is in the business of consumer loans or they are not.

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 2020-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Neiman Marcus credit card, which I have had for more than 40 years, charged me for merchandise I did not receive. They charged for {$310.00} of items that they say were delivered by XXXX XXXX. These items never arrived. I spent more than an hour on the phone with NM, and they agreed to refund. But they did not do it. The items are still on my statement. NM has become very corrupt, with the apparent help of XXXX XXXX driver ( s ). This is outrageous. I will not pay for items never received. Order # XXXX. I only received one items from the order ( jeans ) and even that box was ripped open. I will not pay for items never received. I will pay for the jeans ( {$100.00} ) but nothing else. Unfortunately, they have turned over their credit card to Capitol One to manage, and they are notorious for being non-responsive to complaints or problems. I have tried to resolve this with NM, but {$310.00} of merchandise that was never received is still on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX andXX/XX/XXXXI filed a dispute with Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, I never received and correspondence from them about my dispute

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 2020-05-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609

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 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hello, XXXX XXXX has confiscated the miles I earned from credit card sign up offers from Citi Bank. I received signup offers from CitiBank as part of the offer for opening new credit cards with Citi. All of the signup offers were deposited into my XXXX XXXX account XXXX. I had opened XXXX XXXX Credit Cards with Citi Bank between XX/XX/XXXX - XX/XX/XXXX and received a signup bonus as part of the card bonus offer. 

The applications for my XXXX XXXX Credit Card with Citi did not have any 48month restriction for bonus. Attached is a screenshot of the application page which does not mention any 48month restrictions. As you can see my applications do not have any 48month restrictions. 

XXXX XXXX claims that I have circumvented " the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page '' Attached is the response I received from XXXX XXXX to my DoT 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