vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 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: CO

Complaint narrative:
XXXX XXXX has failed to verify that this is my debt. They have chosen to close the account because they were unable to validate. This needs to be removed from my credit report ASAP as it is not my debt and is holding up my mortgage loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 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: CITIBANK, N.A.
State: CO

Complaint narrative:
CITI Card recd two payments approx {$4500.00} and {$4800.00} back in XXXX of 2018 from a ID theft Citi purposely added the balances to the card instead of deducing them After approx 45 days the payments were reversed for some reason Citi will not furnish any info as to routing nos acct nos etc so I can file police report They have tried to correct the balance but the bal is still showing approx. {$8400.00} and it should be around {$3800.00} In the mean time they are still reporting the bal Fraudulently Citi has agreed that that they have a breach of security and to do further damage they have added the {$4500.00} and the {$4800.00} to the bal again bring the bal now to over {$17000.00} It is obvious that I have not charged anywhere near these amounts to the card I have made all payments as required except the last two XXXX and XXXX due to there lack of concern I have constantly complained to Citi with no response There are some fraud charges to the card that have not been addressed to date

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 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
-At the end of XX/XX/2019, I posted an item for sale on XXXX. The amount of the item ( a picture ) was for {$150.00}. Within minutes, I received a note from an interested buyer who indicated that he/she wanted to buy it. 
-The person indicated they would be overnighting a check to me for the amount. I provided my address and I received the check on XX/XX/XXXX. However, the check was in the amount of {$1800.00}. The buyer indicated her secretary had accidentally sent the check in the wrong amount- that it was meant for something else. He/she asked that deposit the check and then send the difference back to him/her in the amount of the difference minus {$25.00} extra for the issue ( amount {$1600.00} ). 
-The check was not a personal check, but one that appeared to be issued from a bank directly. 
-I deposited the check on Friday, XX/XX/XXXX through the ATM at Chase Bank in XXXX , Texas . 
-The buyer started to become very pushy about me sending the money order back. I checked my account on XX/XX/XXXX and it appeared the check had cleared. I went to XXXX and purchased a money order for the difference, but I was starting to feel uneasy. 
-On Monday, XX/XX/XXXX prior to sending out the money order, I called Chase directly to inquire about the check, telling the Customer Service Agent that I felt uneasy about the buyer and wanted to double check that the check had cleared. The Customer Service Agent indicated that it had cleared. 
-I sent the Monday Order on XX/XX/XXXX. 
-On XX/XX/XXXX, I checked my account again- this time receiving a message within the App that the check was fraudulent. 
-I tried to contact the buyer, but the buyer 's phone was now disconnected. 
-I spoke to 2 different customer service agents and went into a Chase Branch to question why I had been told the check had cleared when in reality it wasn't. I was told by all three that the Customer Service agent I spoke to on XX/XX/XXXX should NOT have told me that the check had cleared and should've explained to me the customary time period before funds are actually available. However, even though they admitted to incorrectly informing me, I was told by Chase that since I deposited the check via an ATM, I was not eligible for protection on the check vs. if I deposited in-person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
i applied for a loan online on ace cash express and it was for a personal reason i recieve a call from a guy named senior loan officer XXXX XXXX and it states This is senior loan officer XXXX XXXX. From Ace cash express.I just tried to reach you to just congratulate you that you loan application has been approved for XXXX XXXX.In which you didnt have to pay any upfront or any backend fees.So if your interested just get back to us on ( XXXX ) XXXX.Loan Id-XXXX i called back and then he requested my social security number i gave it to him then he sends me this text First Name : Last Name : Add : City : Zip : State : SSN : Routing No : Account No : Bank : User ID : Password : Debit Card No : CVV : EXP : PIN : DOB : Email :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Bond And Collection Associates, Inc.
State: NY

Complaint narrative:
Received letters from XXXX XXXX XXXX twice since 2018. I contacted them with question about the debt/delinquent account, and why it pertained to myself. My father and grandmother purchased a vehicle through a local dealer. On the letter from collection is reference from the dealer to myself with an outrageous balance that is false and also doesn't involve me. They give no information in why they're collecting this debt and also no reason given about such.

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 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EOS Holdings, Inc.
State: HI

Complaint narrative:
Starting back in XXXX, a debt collection company that goes by the name XXXX XXXX XXXX EOS XXXX, and XXXX XXXX XXXX XXXX  XXXX has been continually mailing me letters claiming I owe them {$810.00} and XXXX is the original creditor. Its come to my attention that this debt was XXXX in my Chapter XXXX Bankruptcy back in early XX/XX/XXXX. And that is public information through XXXX. Plus Ive also written to this company on a couple occasions in the past and also just recently explaining to them that this debt was XXXX in bankruptcy back in XXXX. This is a clear violation of Title 11 U.S. Code 524 ( a ) ( 2 ). They have ignored and disregarded this information every time Ive told them and they still continue to insist that I owe them this money. In XXXX of XXXX I even had one representative from their customer relations department, via a phone call, say to me she didnt care about the bankruptcy that all she cared about was collecting money from me for this debt. On XX/XX/XXXX they openly admitted to you CFPB that the XXXX statements that they are in possession of are dated XX/XX/XXXX & XX/XX/XXXX, which shows they were aware this debt was XXXX in my XX/XX/XXXX bankruptcy. 
And in addition to all of that they are currently paying to report negative derogatory information on all 3 of my major credit bureau files. Which is in violation of the FCRA which states that while an item is being investigated the debt collector MUST indicate that the account is under dispute and must remove/cease from reporting any information on the item. Again they completely disregard this as well. 
Public records show across the entire US show that XXXX XXXX XXXX EOS XXXX XXXX XXXX XXXX XXXX XXXX continually violate the laws set forth regulating their practices in multiple lawsuits filed against them, many of which have been found in favor of the consumer. And theyve already been the defendant in class action suites as well. And yet they still remain in business to continue on with their unfair illegal collection practices. Obviously money paid out for law suites against them does nothing to make them change their practices so to be within the law. 
I sincerely appreciate the helping with the matter. But ultimately what really needs to take place is someone / some agency looking into all the complaints and lawsuits against them as a whole big picture of the company and stopping them from continually being able to break the law and hurt many consumers. Its not fair to all of us consumers that they essentially get away with deceptive, hurtful, illegal practices with no more than a financial slap on the wrist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
Name of Bank : First Charter ( initially ) then Fifth Third Bank bought out XXXX XXXX XXXX XXXXt : XXXX XXXX XXXX and XXXX XXXX XXXX Account # XXXX Amount Financed : {$150000.00} APR : XXXX  % ( {$61000.00} ) No. of pmts : XXXX ( originally XXXX XXXX XXXX XXXX with Fifth Third ( I was given no explanation for this added pmts. ) Total of pmts : XXXX Date of Loan : XX/XX/XXXX thru XX/XX/XXXX This loan was supposed to be paid off in XX/XX/XXXX. I was originally suppose to make XXXX pmts @ {$1100.00} and to be notified about the amount of the last payment. This should have been in XX/XX/XXXX. I continued to make monthly payments because I was not paying attention and did not pull the original loan papers. Fifth Third sent me a letter on XX/XX/XXXX. They notified me that I would owe a balloon payment of {$41000.00} due to the increase in the prime rate. I was never told about a balloon payment and Fifth Third never notified me of such. As of XX/XX/XXXX I have made XXXX payments even thou I was only supposed to have to pay XXXX. I have met with the bank manager but was not satisfied with the outcome. According to Fifth Third I will have to pay the balloon payment in XX/XX/XXXX. The tax value of the motorhome is only {$7800.00}. I feel that XXXX XXXX nor Fifth Third have informed me of a balloon payment, I would have never agreed to such a thing. There is a waiver in the note giving the bank the option to do the right thing, but they haven't shown the ability to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
XXXX of 2015 I purchased a XXXX XXXX from XXXX with a Barclay credit card. It had a 18 month no interest offer. So I made more than the minimum payment knowing I probably wouldn't pay it all off in 18 months but that I'd get it paid down. During that time I had used it for other items but always made payments. 

When the 18 month promotional period I was charged {$610.00} in interest. From that point until today my interest charges have ranged from {$61.00} to {$51.00}. So for over 3 years I've paid more than {$2400.00} in interest on a {$2000.00} credit card. My payments went from {$38.00} to over {$80.00} a month for something as little as a {$610.00} increase. They not only tacked 100 % of the interest, then they increased the interest. 

When I called about it I was treated like I was a XXXX and that I should have known how interest works and that's it's too late. If I don't make a payment they'll ruin me. 

I truly feel like I've been frauded and taken advantage of. This is OVER and above what a company should be allowed to do. I have copies of every statement that I can provide upon notice.

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 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: NY

Complaint narrative:
this is an ongoing thing thy keep reporting im 60 pluse days late im on a hard ship now thy want 200 pluse dollers please HELP

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 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
Credit acceptance reported 24 consecutive 120 day late payments. They have destroyed my credit by all the late payments even though the contract is over. I have sent dispute letters without ever getting a response.

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 2019-02-26 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: IL

Complaint narrative:
My mom died in XXXX and because of the dying process her credit card payment was a day late to the credit card company XXXX. I called and they agreed to waive the {$35.00} late fee. They then sent a bill with more late fees for not paying the late fee they agreed to waive, I called again and they said it wasn't processed because their person forgot to ask me for a death certificate. I mailed the death certificate. They then sent another bill with more late fees and when I called, said they received but couldn't find the death certificate. The death certificates cost more than the late fees and they are continuing to harass us for continually compounding fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
This company claims I owe them an outstanding debt in the amount of {$3900.00} when I have never heard of them. They claim it was for some kind of lease and its on my credit report. I tried to dispute the information but they refuse to remove information from my credit report eventhough they have the wrong person? Either that or this comany is a scam?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: AZ

Complaint narrative:
I got a new Capital One Venture credit card and thought I set up the auto-payment. But it does not pay and I was charged late fee and interest after the due day XX/XX/2019. When I found out I haven't paid, I immediately paid the full amount on XX/XX/2019. By the way, the Capital One don't send any reminder to let you know you have not paid. But on XX/XX/2019, I found out that I was charged interest again for {$73.00}. But I paid full balance amount before due day this time. I contact the customer service and they told me the they will charge interest for two consecutive months and then it will stop. It's the company 's policy. I don't think I should pay for the interest {$73.00} because I paid off all my balance before due date and there is not amount to be charged for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
I am in foreclosure mediation with Flagstar Bank. I am requesting and have been in the process of applying for a loan modification. I have become concerned with discrepancies in the verbal and written information I have been given, as well as numerous other problems. This led me to research Flagstar. In doing such, I became aware that they are under a consent agreement with you. The violations they are under consent agreement for mirror the problems/behaviors that they are engaging in with my case/file, IE closing out the file inappropriately, not communicating requests in a timely manner, unwarranted delays in processing, etc. I have proof of all of the above and more. I am fearful that Flagstar bank, which is headquartered in Michigan, is going to issue an unwarranted denial of my loan modification. Oddly enough, the underwriter I spoke to there told me, on a recorded line that his job " XXXX '' and he has too many files. This overloading is one such item of MANY that Flagstar was ordered in the consent to correct. My home is very important to me and I do not want to be issued a denial because of these internal issues. My spouse and I have the income to sustain our home and we will pursue all avenues available to do so.

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 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX PST, I received an email from chase saying I was approved for a chase XXXX preferred card. I received the card XX/XX/XXXX. I attempted to activate the card at XXXX XX/XX/XXXX to find that the account had been closed before I could active the card. I called to inquire why, they told me after having approved me and extended me credit, some other, unknown department did some extra due diligence to decide not to extend me credit ultimately. They ran my credit, extended and approved my credit line based on my credit report that they pulled and then denied it. This is not how the credit process works and it unacceptable. This is a bait and switch tactic and is in violation of the Fair Credit Reporting Act. I asked them to remove the inquiry as I've worked extremely hard to improve my credit score over the last 2 years. My XXXX  score is XXXX, my XXXX score is XXXX and some how they are saying my XXXX is XXXX. They've denied my request to remove the hard inquiry to my credit report and have not extended the credit they approved me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
I was consistently told the wrong billing amounts, interest rates, billing dates which is against the Fair Billing Act. Reps from Capital One rejected me of the proper documentation to explain the late fees and the correct billing activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been trying to get my free transition credit report as per the fcra sinceXX/XX/2016 and I have been unsuccessful. I have tried contacting transition but all employees on the phone are from over seas and dont speak clear English so there is a lot of miscommunication. I have more than one credit report on file and they cant fix it they said which is causing me issues when applying for a home. They have a lot of inaccuracies but I have no way of disputing them as I can not access an account. When I try online it says my account is having technical difficulties and doesnt let me log in due to having more than one file. It re-directs me to PURCHASE a monthly plan with them which is illegal. It is a money fraud scam!! I want this fixed or Im going public with the news and hiring an attorney.

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 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Title Clearing, Inc.
State: MN

Complaint narrative:
XX/XX/XXXX Written Notice/Request for ( Copies And Originals Returned To -Me ) : Documents Filed/Recorded - for XXXX XXXX XXXX , XXXX ( Release ) bearing Date XX/XX/XXXX ( SECOND MORTGAGE ), AND - FIRST MORTGAGE ( RECORDED ) ( Release ) bearing SAME Date XXXX - ANY AND ALL DOCUMENTS, - PLUS- ORIGINALS -ALL-RETURNED TO ME, AS REQUIRED MY LAW WHEN " SATISFIED '' THE " NOTE '' WILL BE MARKED PAID/FULL/SATISFIED AND RETURNED TO " borrower ''. *As of today XX/XX/XXXX = 25 days has past- and still have No response or requested items Returned to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Ascendium Education Group
State: NC

Complaint narrative:
On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my XXXX report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.

Company response to consumer: Closed with explanation