vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 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: NY

Complaint narrative:
Capital One charges interest based on an average daily balance on your account and if you do not make payments in full you will be subject to this average daily balance interest charge. 

I had made the mistake of not making a full balance payment last month and carried a balance of roughly {$200.00}. The interest charge I had received was {$16.00} that month due to a recent, large purchase after the month had ended ( so a charge on the new month ) which had a significant impact on my average daily balance. So, the interest charge that was applied was much larger than it should have been for the outstanding balance in the prior month. 

I have no been making sure that my balances are fully paid off, however, I am still receiving interest charges based on my average daily balance. This month, with a fully paid off balance, I received an interest charge of {$15.00}. Personally, this is not terribly impactful, but I am certain that more people are exposed to this unsavory practice and are not aware of the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: TX

Complaint narrative:
From my FNB online banking account, I sent {$250.00} dollars to my daughter 's account at XXXX through XXXX. Transaction overview in my FNB bank account states that {$250.00} is withdrawn from my account and my daughter received a confirmation email from XXXX that I sent {$250.00} and that this money will be available in her account within 3 business days. However, she was never able to get the payment because it has been months since she closed her XXXX account. I was not aware of this. XXXX 's policy is that they return the payment to the original account if the recipient 's account does not exist. 

However, the money never came back to my account and my daughter has not received it in any of her accounts either. 

We contacted XXXX, XXXX, and FNB. My daughter called XXXX and talked to three different representatives. XXXX said they can not track this down because she doesn't have an account with them anymore. When I called FNB, they said they would file a claim with XXXX since the money should have come back into the FNB account but it has been two months and there has been no update. When I called again regarding this issue, it did not look like they were aware of this issue and they again told me they would file a claim. Calling XXXX did not resolve the issue either because they said they are a mobile banking platform so they don't have the capacity to track this. And now I basically do not know where the money went.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I attempted to make payment arrangements with this company and they refused stating if I didn't pay the entirety of the debt owed today it would go on my credit report and they would refuse to take it off. I explained I had lost my job due to covid19. They asked if I understood what this would do to my credit. They said they were flagging my account and proceeding. I said I didn't even know what that meant, asked for an explanation. XXXX told me that he wasn't going to explain it to me so I could decide whether or not the debt was important enough to pay. I reiterated I wanted to pay, but I needed payment arrangements. He said it was done, the account was flagged.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

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 2020-04-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This credit reporting agency has not and continues to not physically validate or verify inaccurate items on my report that I have disputed. It is to my belief that an agent is using the E-Oscar system to scan my disputes through and simply validate or verify as accurate instead of doing an investigation and getting contracted documents for support. I have yet to have an original signed contract, or any physical signed documents for that matter, sent to me showing how theyve verified it as accurate. In my disputes Ive requested such documentation, and have I seen any? No. Please help, thank you so much!

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 2020-04-14 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: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is reporting a debt on my credit file that I do not owe. This debt is not only past the statute of limitations. I have never received any information about this debt. No phone calls, letters, nothing!! This is a violation of my 30 day right to dispute and needs to be removed off my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: KY

Complaint narrative:
I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and micro business owner. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for 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 2020-04-14 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Some one used my personal information and opens accounts under my name this is a fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have 2 federal student loans totaling a little more than 5000.00. My loans have been in deferment but they are reporting 10 late payments on each. Last year I refilled out the paperwork and sent it in and it was not processed. As soon as I noticed i immediately called and emailed and they fixed the problem but yet they are still reporting I paid it late. I did not. This was an error. It was just an accident and while I am not upset the accident happened, it is unfair to bring my credit score down by almost 100 points over payments that were not late. Im a single parent and XXXX XXXX XXXX. I am having a horrible time finding loans to get me through because of these reported late payments. I was not late ... I filled out the paperwork on time. It is not my fault it was not processed correctly. I am begging you to please take off these late payments. Everything else I have has always been paid on time but these reported late payments are ruing everything for me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Due to the Covid-19 pandemic I have a decrease in my income, because of reduction in the work hours. I called several times ( 2 or 3 ) in these days my mortgage provider, FREEDOM MORTGAGE, to arrange a forbearance, according to the new CARES Act. They told me to fill in their Covid-19 Financial Hardship Notification form. Surprisingly I saw before I sent that form, that the only option they had for a forbearance request is the pay everytrhing back at once option at the next month ending the forbearance plan. I told them that there were three different forbearance options on the Consumer Financial Protection Bureau web page. On the CFPB page under the title What is mortgage forbearance? and then under the title Here are some forbearance examples to guide you, are three different forbearance options. I told Freedom Mortgage, I requested the Paused Payment Option-Paid back at End of Mortgage. That is to pause payments up to one year and pay that amount at the end of the mortgage loan. They answered me, that they only have or work with one option, that is the one payment back in full at the end of the forbearance. That is no help at all and that is what I tried to explain them. I respectfully request that FREEDOM MORTGAGE, take in account the Covid-19 hardship that I am in this moment and start to offer all of the forbearance options that are under the CFPB instruction pages. This is also a matter of the CARES 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 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Some one used my personal information and opens accounts under my name this is a fraudulent accounts

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 2020-04-14 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:
Some one used my personal information and opens accounts under my name this is a fraudulent accounts

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 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian advertises Experian XXXX on the tv commercial but on the website it doesn't have a list of all banks and credit unions. But it also says on the website that you can use a credit card. My credit union is XXXX XXXX XXXX in Michigan and it isn't listed. I pay all my bills on time and would like to get credit for it. I use my checking account. I have seen other people commenting about how they can't use Experian XXXX either because their bank or credit union isn't listed or there are too many similar banks listed. You also have no way to contact Experian, and talk to someone about this issue. But I think all people should have access to boost their credit and not just some people. This service should available to all people. Experian should improve this on their website. The website could use some improving.

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 2020-04-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
i never went to XXXX XXXXXXXX this bill was sent to 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 2020-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management is trying to sue me after I submitted a debt validation letter by certified mail. They were also motioned to dismiss in court after failing to meet the laws of the ( FDCPA ) & ( FCRA ). In my validation, I requested they first show proof they own they debt, and copies of all charges and statements to validate the amount. Under law Debt collectors must prove that they own the debt when they file a lawsuit. When debt is sold or assigned prior to the lawsuit, proof of the assignment must be provided and a written assignment must be attached to the lawsuit. 

All they showed me was a statement with an amount. That's it after a few months. They only proved that they have a statement which I don't owe. They are known for and sued in the past for such violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, I received the ONLY call I've ever received from this company saying that they had made multiple attempts to communicate with me regarding a debt. I called back and a lady named XXXX XXXX answered. By using my phone number, she was able to ascertain that I had an account with them for a debt that is in a public record. She basically told me that I owed more than {$10000.00} and could settle for less than {$2000.00}. She told me that if I didn't pay, they would take me to court and have a judge issue a warrant for my arrest. I asked if I could pay the settlement amount over 6 months. She said yes. We arranged for me to pay {$250.00} per month until the total was satisfied. On XX/XX/XXXX, I spoke with a family member who mentioned debt collection scams. This person helped me XXXX phone numbers and names. As expected, the names I was given for contacts were not found. The two phone numbers I have for the company are attached to pages and pages of scams. All the entries from others with the same complaints with the same sort of dialogue and threats. I checked with the XXXX XXXX XXXX. There is not information for LSA other than complaints with the same information. At this time, I can blocked their numbers and changed the credit card number to ensure that I will not contacted or charged again. Someone should shut down this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CL Holdings LLC
State: WI

Complaint narrative:
I have this amount on my credit score by the cost of {$1300.00} and its for something having to do with XXXX. I have never had XXXX before in my life I dont know how that got in my credit score or how in the world I owe that amount but I know Ive lost my social about 3 maybe 4 times in my life and I know this has to have something to do with me losing my social because how would I have some random amount of that nature in my credit Im actually gon na try to contact you guys to see if you can help me remove this amount because Im not gon na pay for something I had nothing to do with and honestly this random payment has been ruining my youth for a couple of years now Ive been trying to open my first bank account so I could save money to help me get my own spot and I wasnt able to, and when I saved up the money which was about a year ago or so I still was not able to because of my credit score.. I really need help with this because it honestly wrong for this to ruin my life and I wasnt even the person to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX XXXX, MERCHANTS CR ( Orig.  Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX ), CONVERGENT OUTSOURCING ( Original Creditor : XXXX ), XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is still reporting a fraudulent account with " XXXX XXXX XXXX XXXX   '' acct # XXXX. This account was unable to be validated and I received documentation it was removed from my credit report ; however the account is still reflecting on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I need a replacement social security card in a bad way and ssa.gov uses Equifax to verify identity but Equifax are giving incorrect security questions and answers and when I called Equifax they told me I needed to send them a photo copy of my social security card .... But proceeded to try to sell me access to my equifax account without the photocopy for money. This is fraud. And Equifax are hindering and rendering US government services incapable of providing those services in doing so. I desperately need to cash this income tax return check and I need my social security card to get a photo ID but Equifax are holding me up at the beginning. Please help.

Company response to consumer: Closed with explanation