vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 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: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
Kingston Data and Credit International Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Tel XXXX Fax XXXX www.kdcii.com Please be advised that your overdue account with XXXX XXXX ( XXXX XXXX TX ) has been placed with our company for collections. This is an attempt to collect a debt and any information obtained will be used for that purpose. We request that you call us upon receipt of this letter toll free at XXXX to speak with our office and make payment arrangements, or pay online at www.kdcii.com/payments. 

We are a debt collection company. Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any potion thereof, this office will obtain verification of the debt or obtain a copy of a judgment or verification. If you request this office in writing, within 30 days from receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

Failure to pay this account or contact us within 30 days after receiving this letter will result in further collection activity. 

If you would like information by SMS text message, text CONTACT to XXXX and we will communicate with you by SMS text message. 

" This communication is from Kingston Data & Credit International Inc., a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' Regards, XXXX XXXX - Receivables Manager Direct Line : XXXX Email : XXXX ( XXXX ) Pay By Debit/Credit Card : Call XXXX or go to www.kdcii.com/payments/ Pay By Mail : Kingston Data & Credit International, XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX Please call XXXX to report your payment. 


Re : Creditor -- XXXX XXXX ( XXXX XXXX TX ) -- {$1000.00} Date of Debt XX/XX/2018 Current Balance -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
in XXXX or XXXX I applied for a second mortgage for home improvements with Bank of America and was approved. I completed monthly payments for 15 years. In XXXX of XXXX Bank of America sold my loan to XXXX XXXX XXXX. They in turn sold it to XXXX XXXX XXXX  XXXX. Since the time that Bank of America has sold my loan I have received monthly correspondence that suggest that my loan is in " SERIOUS DEFAULT '' and that I need to " EXPLORE MORTGAGE RELIEF OPTIONS '' or consider " ALTERNATIVE PAYMENT PLANS ''. Monthly I send either company large payments to counter act any possible issues concerning my home ownership. Multiple telephone communications have only produced to me the information that my loan is in " MAINTENANCE '' and no information can be given me. I have been provided only with the knowledge that all my payments are deposited into a " SUSPENSE ACCOUNT '' and are not applied to the monies owed. for 15 years I have paid on this loan to only have my home ownership being threatened and jeopardized when I have already given the equalivent or more than owed amount. Please provide me with any information or help that may assist me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Wise Recovery Solution LLC
State: MI

Complaint narrative:
See this card has the wrong address on it please dont send them a card in my name my wallet was lost so my ss an id is out there

Company response to consumer: Untimely response
Consumer complaint received 2020-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
I made my normally scheduled payment in the month of XXXX. I received a call from Pinnacle Financial Partners on XX/XX/2020 stating that I was late for my XXXX payment. While on the phone with the collections representative, I reviewed my bank account for activity. I confirmed the date of when my payment was received. The representative then informed my that my escrow payment had changed. The represent reviewed my account, and advised that a letter was sent to me on XX/XX/XXXX. I advised the representative that I didnt receive the letter, and asked her to review my account for a record of perfect payment history, as well as issues in the past of not receiving communications from Pinnacle Financial Partners ; she confirmed this information. I have no problem making the new payment, my issue with Pinnacle Family Partnership is that they are giving no leeway for reporting a late payment given my perfect payment history, the proven history ( via returned mail per USPS ) of not receiving their communication and numerous calls of complaints from me, and the fact it was the first month of the newly scheduled payment. One mailed letter informing a client of a new payment seems to be a deficiency of effort. The month of a newly scheduled payment should be given more scrutiny, and when someone sends the old scheduled payment amount, efforts of quicker communication with the client about a payment shortage should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Company was paid in full and they are still reporting account as delinquent which is against the Fair Reporting Act. Their negligence towards consumer creditability is disgusting as if they are deliberately putting false information on people credit reports and they should be investigated for these practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Cap1/wmt XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 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: Credit Bureau of Council Bluffs, Inc DBA Credit Information Systems
State: UT

Complaint narrative:
I noticed several hard inquires on my credit report that I do not recognize. The list is as followed : Inquiry from XX/XX/XXXX : Institution Information Credit Info COUNCIL BLUFFS, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information Credit Info COUNCIL BLUFFS, IA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX : Institution Information XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Parties : A. Synchrony Bank B. Pay Pal Credit and my Banker : XXXX XXXX XXXX XXXX XXXX I have a Pay Pal Credit account ending with XXXXgoverned by Synchrony Bank . 
Pay Pals  Rules for their Credit Customers ( approved by their Banker ) that We have to registered our paying Banker initially and We can only pay through those Registered Bankers. When initially Registering the Banker, Pay Pal will send OTP and We have to revert back with the transaction details of small amounts say less than one Dollar both the Debit and Credit transactions, checking the authenticity of the Customers. 
In my Case I have put approval of three Bankers eg XXXX XXXX  and two accounts from my XXXX   XXXX  XXXX XXXX accounts. 
Whenever I pay some instalments, initially they ( Pay Pal ) gives Credits and sends confirmatory emails and after four to six days they reverse the entry and says that my Bankers have refused to pay /the accounts of your Bank is not Registered with us or I have insufficient funds and when the cut off dates are over informs me about return of payments and adds PENALTY for Return/Non payment during the stipulated time period and for the next months dues they add up the Return Fee 's etc. 
This is how the Pay Pal earns extra money which are some sorts of fraudulent way to run a business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX XXXX I 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 2 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This complaint is in regards to my experience trying to pay a specific amount of money towards one of my carecredit promotional transactions. I have three promotional transactions on my care credit card at this time. Two of the transactions are fixed payments and one transaction is a deferred/no interest if paid off within 6months. I made my baseline payment of {$230.00} on XX/XX/XXXX. That payment amount is the minimum for all three accounts due monthly. I then called into carecredit and made an additional payment of {$190.00} via telephone with a customer service representative and asked specifically for the {$190.00} to be applied to the specific promotional transaction that is expiring on XXXX XXXX. The initial charge of that 6-months interest free transaction was {$470.00} and it was charged on XX/XX/2020. As of XX/XX/2020 the remaining balance of that transaction was {$380.00}. With the {$190.00} payment I made on the telephone on XX/XX/XXXX, I should have a remaining balance of {$180.00}. As of right now ( XX/XX/2020 ) my balance is showing that I owe {$350.00} with the promotional period expiring on XX/XX/2020. This is a blatant attempt by carecredit ( synchrony Bank ) to NOT apply my specific payments to this account in order to charge me the 26.99 % interest if not paid off in XXXX. At this point I dont know what to do. I followed their instructions and called in to specify payment allocation and they are still not allocating the payments as Im asking. I need your help as soon as possible as this is not being addressed even after multiple calls into carecredit customer service to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX of XXXX I've contacted XXXX regarding an old account that I had no knowledge of it and now showing on my credit report and drop my credit score by 68 points during the process of getting a mortgage loan. Since there is an urgency I just wanted to pay it off/ settled, so they directed me to ARS National Services Inc who was handling the account for XXXX . The Balance was {$2300.00} and they agreed on accepting {$1500.00} as settlement in full if paid on that day XX/XX/2020. Attached is the settlement letter they emailed me and how to make the payment and that once paid they will let XXXX know so that they can report to all credit bureau as paid. I made the payment of {$1500.00} the same day ( Confirmation screenshot attached ) as agreed. On XX/XX/XXXX I received a letter from ARS National Services Inc ( Attached letter ) thanking for accepting the settlement of {$1500.00} in full however it was still showing a balance of {$830.00} which was the difference from the total balance. This should had said {$0.00}. On XX/XX/2020 XXXX reported the balance to XXXX  as {$830.00} instead of paid in full. This is NOT what was agreed upon and have all the proof. As a result our mortgage approval is on hold until this gets cleared up as paid on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: CA

Complaint narrative:
I have been spending about {$8000.00} on my Chase credit cards per month for 2 years so there is sufficient transaction history to see my patterns. On XX/XX/2020, I received an email about a declined transaction asking me if I recognize the charge. It had a " Yes '' or " No '' choice and I clicked " No ''. I logged into my account and saw there were 29 unauthorized charges. I also determined that my card was lost or stolen. I locked the card and tried to dispute the charges online but it would not let me. I had to call. While on hold, the message tells me to dispute online but I could not. I finally reached a live agent and explained what the last recognized charge was. That was not acceptable. I had to go through all 29 charges one by one and state they were unauthorized. A few days later, the charges were credited and a new card was received. The former card has not been found. 

On XX/XX/2020, the 29 unauthorized charges showed up again on the replacement card. I thought it was a mistake and would be fixed the next day. It was not. I called Customer Service on XX/XX/2020 and was transferred to the Security Department. The Security Department told me there is nothing they can do and I have to speak to the Recovery Department. I asked to speak to the Recovery Department and I was told they are not taking calls and I have to email them. I emailed on XX/XX/2020 asking for a call and got an automatic reply stating, " Thank you for your email. We will call you if we need more information. '' I still have not been contacted. I also was never told what investigation was conducted, what the outcome of the investigation was, what the basis is for rebilling the charges to me, nor was I given an opportunity to reiterate the facts of the case. 

I realize the last 4 digits of the card in the attachments do not match but that is because the credit card number changed. It's not that I am confused about which card I am having issues with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-04 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: MD

Complaint narrative:
I recently mailed dispute forms to both XXXX and Experian about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both XXXX and Experian dropped my credit score further more. XXXX dropped my score 70 points while Experian dropped my score 13 points. XXXX updated my credit report and deleted the faulty reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
This account is from XXXX and they keep reporting it as new. They reported it last on XX/XX/XXXX. They are saying that the account was opened in XXXX and it definitely was not, it was XXXX. 
The amount is {$1200.00} and its negatively affecting my credit score when it should be gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX XXXX  I 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 XXXX  XXXX  XXXX   XXXX/XXXX  M XXXX XXXX XXXX   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 2020-07-04 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: TX

Complaint narrative:
INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX  XXXX  I 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 XXXX  XXXX  XXXX   XXXX/XXXX  XXXX  XXXX  XXXX  XXXX   XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: MD

Complaint narrative:
I recently mailed dispute forms to both Equifax and XXXX  about the incorrect status of my student loans. My loans appeared to be charged off or in default but they are supposed to be in forbearance, due to an ongoing class action lawsuit. I also included the proper documentation to prove this information. Instead of updating my credit score to reflect the wrongful reporting, both Equifax and XXXX  dropped my credit score further more. Equifax dropped my score 70 points while XXXX  dropped my score 13 points. XXXX  updated my credit report and deleted the faulty reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a grant from the XXXX XXXX XXXX for the Covid-19 Disaster Relief on XX/XX/XXXX. I went into the Chase Bank in XXXX, CA and asked to withdraw some of my funds. I feel the teller discriminated against me because I am XXXX XXXX. The teller called someone for verification, called management, said needed to get more bills, and whatever else she could do to stalled completing the transaction for over 15 minutes. From my knowledge I do not have a daily withdrawal amount so I'm not sure why this transaction would be any different. I don't know why this teller chose to harassed me besides that I'm XXXX XXXX. I have been banking with JP Morgan Chase for over 5 plus years. I've never had an issue with banking here. The following day XX/XX/XXXX I was told Chase was going to close my account and send the grant back to XXXX along with another pending transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card As it states clearly, quote as below : " Every eligible net {$1.00} spent equals 2 Reward Points No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. 

I never heard of anywhere or was told that the reward points would expire, so I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past years a total of XXXX points of mine expired in 6 times. 

I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.

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