vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WA

Complaint narrative:
Heartland ECSI is handling the servicing of my loan. My loan is in good standing and I'm paying it off ahead of schedule. I'm currently using automatic withdrawal and paying about 2 1/2 times the required payment amount each month. I should have the loan paid off about 5 or 6 years ahead of schedule. 

Using ACH as they call it meant that I was on paperless billing which was fine with me. I didn't need a monthly statement and all my account information was online. I preferred not getting statements because it kept the information out of my mailbox and away from identity thieves. 

This last month, I got a statement which was concerning especially since it indicated I owed a payment on the front page - I don't. The purpose of automatic withdrawal is that my payments get made for me. 

When I asked about this, they said they started issuing statements for ACH customers so 'they knew their payoff ' amount and they'd started doing this months ago. 

This is nonsense. 

First because the payoff amount has always been at the top of the screen when you login. Second because the statement is designed to make it look like you are no longer on ACH and owe a payment. It is designed to panic you. Third, statements didn't start arriving 'months ' ago. 

The bills themselves are also deceptive. They in now way indicate that ACH customers do not owe the bill or have made the payment. They are designed to get ACH customers to pay twice. 

And the company is completely unapologetic about and insists we were not 'enrolled ' in paperless billing and they didn't XXXX up. That this is 'our fault '

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I updated my auto-payment method in XXXX and it didn't ever switch for whatever reason. Then, when the XXXX  thing obviously didn't go through, I spoke with someone and was trying to explain that my account needed to be switched because the payment method I chose wasn't the one that it was trying to take the pay emend from. So the payment was returned again because the account was invalid. I've been trying to explain this to the people at Citi and even filed a previous complaint. No one is listening to what the error was. I actually spent a couple of hours on the phone with a supervisor in XXXX and he thought it was really odd as well. He looked into it and " found the problem '' and linked my account AGAIN and then auto pay has been fine ever since. They even refunded the charges on my end due to the error having not been on my side. However, this month ... in XXXX, they slashed my limit in half, because of this missed payment debacle. Due to this, my credit score is adversely affected because now this card is " maxed out ''. No one actually listens at this bank. I want my limit restored. I even got a letter from Citi today, XX/XX/2020 in regard to this- and the letter states that the error was on my end. When it's been established that it was not, I updated my accounts in the app and it STILL used an old linked account, hence the " insufficient funds '' and " invalid account number ''. 

I'm not saying it was a bank error, specifically. But, it is DEFINITELY an app error, and of course the app belongs to Citi. Thus, this is a banking error. I have another card on Citi that was set up the exact same way and had zero issues with it. I've never had a returned payment in my life. This is atrocious and the customer service at this company is out of control. This company has lost all integrity in my eyes and the eyes of many others who have attempted to get help and received nothing. No ones even called me back. I just received a letter. It's pretty pathetic.

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 2020-02-01 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV Funding will not provide full debt validation in writing when I have repeatedly asked for it. 
They claim that I owe them XXXX after purchasing this old debt from XXXX XXXX  XXXX XXXX XXXX. 
I have gotten nothing but hung up on when calling this collector. 
XXXX  will not fully investigate this matter. Perhaps my choice of verbiage when filing my dispute was considered inferior, because I filed a 2nd dispute online today and as soon as I hit send, I received an immediate message from them informing me that I could not dispute this item again, as a recent dispute was just closed. 
This is indeed maddening. 
I am not being given full proof or validation to substantiate the decision backing the validity of this debt. 
LVNV reports that the last 4 numbers of the account end in XXXX, and that the status of the account is closed. 
The most recent negative report date by them being today, XX/XX/2020. 
Also XXXX  XXXX  / XXXX XXXX XXXX, and Resurgent Capital are reporting on this same account as well. 
I did not think an account could be double or triple reported whether the account was accurate or not. 
XXXX  XXXX  XXXX XXXX XXXX has sold this account to LVNV some time ago. 
I have no account number from when it was owned by XXXX XXXX  / XXXX XXXX XXXX. 
Also an interesting thing to note about this account, is that it has no data available. No payment history whatsoever. 
Yet XXXX  XXXX  XXXX XXXX, Resurgent Capital, or LVNV insist it is my account, and it is being reported that it is a collection account at all three credit reporting bureaus by one combination or another of the aforementioned companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: DE

Complaint narrative:
I have sent letters on 3 separate occasions to this company, asking them to provide me the proof that I owe this debt. I have not received any response from them at all, yet they have verified the information twice to the credit bureaus. I have also contacted the original creditor and I have disputed the information directly with the credit bureaus. I still have not received any proof at all of the debt that they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: IN

Complaint narrative:
I found a charge on a Chase credit card on my XXXX and XXXX bills that I did not recognize. The charge was for {$16.00} each month and the only identification of the organization making the charge was the term " XXXX XXXX '' followed by an unintelligible string of letters and numbers. I submitted a written request to Chase about this issue on XX/XX/XXXX providing all the relevant information that I had. 

Chase responded asking me for some specific information most of which I did not have. I replied to them on XX/XX/XXXX noting that in the interim I had received a XXXX invoice with the same charge to the same name with another string of unintelligible of letters and numbers. 

On XX/XX/XXXX I received a form letter from Chase stating that they " ... contacted the merchant to discuss the disputed transaction '', while not providing me with identifying information on the merchant or what was the merchant 's explanation. They also stated that the charges would appear on my bill on my next statement. Chase provided no useful assistance to me to resolve this issue or even tell me who was charging these amounts!!! 

It appears that I will be charged $ XXXX/monthly by this unknown organization in perpetuity. What can I do? Can I pay off this Chase card and cancel it? The name on the letter is XXXX XXXX Claim ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I cancelled the service, but I was still billed. I also returned the phones via XXXX XXXX XXXX XXXX, Texas and they never credited the phones. Their services were misleading because I was told that my rate will stay fix, but it kept changing every month. I decided to cancel and switched to XXXX ( much better company by the way ), so they charged me {$1800.00}. I have complained to Attorney general Kansas and nothing was done. I am sure other people have experienced the same misinformation. I was mislead to believe that I had a veteran rate, but it took a longtime to issue that. I was also mislead family plan I signed up which they kept constantly changing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: AL

Complaint narrative:
Over the past 3 months I have been sending letters to Experian to correct my credit report. They simple send letters back saying that the accounts are verified, who is verifying! They are in violation under FCRA 611 ( a ) ( 7 ) and have not deleted the following accounts : XXXX XXXX XXXX : reinstated on my credit report with out a written 5 day notice XXXX XXXX : reinstated on my credit report without a written 5 day notice XXXX  : reinstated on my credit report without a written 5 day notice XXXX : reinstated on my credit report without a written 5 day notice This is a violation of the FCRA 611 a 7 and I want experian to correct the violation so no other action will be required.

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 2020-02-01 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: HW Holding, Inc
State: NY

Complaint narrative:
To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with hunter warfield and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.

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 2020-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To Whom It May Concern : I am complaining in two parts, firstly capital one is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to capital one and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: NY

Complaint narrative:
To Whom It May Concern : I am complaining in two parts, firstly XXXX  XXXX is reporting incorrect and defamatory information to the credit bureaus. The account was paid off with a settlement from XXXX due to the car being totaled. According to XXXX  XXXX and the 3 credit bureaus the account was written off, which is absolutely incorrect. I have submitted documentation of this, indication of total loss letter by XXXX. This is a violation of the fair credit reporting act. 

I am requesting intervention in this matter. I am also requesting assistance with XXXX XXXX and the erroneous information they are refusing to correct it as well. 

I sent information to them 2 years ago informing them I did not reside at this apartment for the timeframe they indicated. I sent usual receipts and documentation. I need to know if I need to file a report with the courts to assist me in this matter. I am not paying for something in which I moved out and did not reside at.

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 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I originally applied for the Capital One Spark Business Visa, the most basic one for people with " average credit ''. I provided all the information needed to prove my identity. They stated that because of my address on the application not matching the Articles of incorporation, and other documents that were listed in their primary identification category they used " Government Regulatory Rules '' as the reason for my denial because of the regulation that says a financial institution " must know the customer ''. I provided 2 bank statements one for XXXX Business Checking account in XXXX, TX and one for our XXXX Business Checking Account in Arkansas. I faxed a letter explaining my address situation, they stated on the application process that they needed my physical address and that Mail Box Service addresses were not allowed. So I, in turn, used my home address in XXXX, TX. I finally spoke with a supervisor agent in Virginia, and she advised that she has " seen this problem '' happen 1,000 times. Those are her exact words. All calls should be recorded and be verifiable. The fact that she also said she knows that I am a legit person and that my information does match, but that the address was different on the application they would not allow this to go through. I also have two other accounts with Capital One, a consumer Platinum Master Card, and an Auto Loan. They have enough personal and private information on me to verify my identity and this is an abuse of the consumer, our credit reports, and a lack of the business not being a true financial service trying to help out its community as this is a small business product and would help my business needs in providing services to my local and extended community. I have worked in XXXX  and XXXX  XXXX  for over 15 years and remember the days when a loan officer could fill our a sheet of paper and waive the customer 's credit report just because they said they wanted it waived because they " knew '' the customer. I was originally approved and now I'm having to have a ding on my credit report, and no credit card to justify the ding on my report. I reapplied today with everything listing the company 's address. This is application was denied immediately. So now this is another ding on my credit without a thing to show for it. I'm beyond escalated and this apparently is not happening with just me. It's got to stop, Financial Institutions can not hide behind regulatory laws just as an excuse to not take an extra step and deal with the problem, they could have compared everything and made it happen by doing a true review and not just glancing at a name and address on my documents. Application ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity XXXX XXXX credit card. Originally made payment due XX/XX/XXXX - they received it XX/XX/XXXX and posted it on XX/XX/XXXX. They charged {$28.00} late fee and {$1.00} interest. Argued with them via phone. I closed the account and issued payment thru my credit union bill pay system to get them out of my life forever. Check went out XX/XX/XXXX. They posted it to my account XX/XX/XXXX. It was due XX/XX/XXXX. They charged YET ANOTHER {$28.00} late fee AND {$1.00} interest. Called today to complain XXXX. They could not remove the charges because the account is CLOSED! I  told them I would not be paying this charge EVER and this is some kind of predatory practice on their part. I am not responsible for when they decide to open the envelope with my check and post the payment and I can not believe that it took more than 5 days for my check to get there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I got a notification from my Experian app that an inquiry was added. I discovered there was an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX and upon further investigation, another from XXXX  XXXX XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I had an amex card and decided I would pay it off. I went online into my account and made a complete payment and was told through online chat I was paid. I have never heard from this company again. Fast forward a year later i am trying to purchase a car and there is a {$13.00} balance on this card and 180 days late status on my credit report.

I have contacted AMEX and was told they can not take payment its too late and they will not remove the late charges. I have never been contacted once about this " late '' payment and was also told this was paid off. They also told me they charged me interest AFTER the card was closed which is not legal.

I would like to pay the {$13.00} ( if i have to ) and have the negative remarks removed off my account asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I leased a XXXX XXXX XXXX through Mazda Capital Services ( Chase  ) and received my first bill on XX/XX/XXXX. I opened my statement dated XX/XX/XXXX and to my shock saw the payment due date was XX/XX/XXXX, just two days after the statement rendering. The payment was already late by the time the bill got to me. 

I called XXXX and spoke with a Chase representative ( XXXX XXXX ) who was equally surprised by the chain of events. He advised I had not been assessed late fees and that our credit files had not been impacted by the situation. I made a payment over the phone that he indicated would reflect a XX/XX/XXXX posting date. All of this left me very un-nerved and I hope that he is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This happened on XX/XX/20 and XX/XX/20. On XX/XX/20 I went to the Capital One credit card website to find an ATM that died not charge for cash advances. It said XXXX ATMs do not charge a fee. However when I withdrew the {$20.00}, it charged me {$4.00}. So after that I had {$10.00} available credit. I just spent {$3400.00} cash, all to my name moving this weekend and was planning to use the remaining {$10.00} from my Capital One card for groceries. I go to XXXX supermarket and try to charge {$10.00} in a line filled with customers and it declines! I then said try {$9.00} because I checked earlier and {$10.00} was available. I swiped the card for {$9.00} and the clerk said that also declined. I immedilogged into the Capital One app to see what was going in and it said I had been charged another cash advance fee, this one was now {$10.00}!!!! Luckily a guy behind me offered to pay for my groceries, I was so embarrassed. I then called Capital One and spoke to a supervisor and he said they do charge a 3 % cash advance fee or {$10.00} whichever is greater. I told him I was already charged {$4.00} at the actual ATM that was listed for free withdrawals, and asked him if he could issue a one time courtesy credit for the {$10.00} credit since I was unaware of the charges that would incur off of a {$20.00} withdrawal. He said he could not. I told him taking out a total of {$14.00} is ridiculous on an only {$20.00} withdrawal and immediately told him to close my card. I want something done about this. This is ridiculous to let a credit card company get away with charging that much for a {$20.00} cash withdrawal.

If you chose to investigate the last 4 digits of my card were XXXX. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation