vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
JP MORGAN CHASE AND CO - CHASE FREEDOM AND CHASE AMAZON CREDIT CARDS. Without any consideration, notice, etc. they cut my credit limit, decreased to the exact balance owed, DROPPING MY CREDIT OVER 40 points and putting my credit utilization over 70 %. I now can't get a loan that I wanted for a new home purchase or even refinance. I was going to pay off the balances of the credit cards once either action had taken. I have contacted them several times and they do not respond or follow up and send me to other departments. I need a response and I need action. This is criminal and they should at least notify or consider the impact the changes make. I've always paid my balances and never had any late payments. RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NE

Complaint narrative:
Either the day before or on XX/XX/XXXX I was scared and tailgated by a XXXX  man with XXXX  hair all black sunglasses viciously tailgating me in my hometown. He had out of state Colorado License plates. That same day a collection suit was filed against me by a Jefferson Capitol Company. The Lawyer lives in Colorado. He did not put HIS OFFICE number on Court Documents. I filed an Answer to the suit. It is from a different company over 2 years old and they charged off the debt. I had paid them regularly on time for a long time. Getting a hold of this Attorney from Jefferson Capital was nearly impossible. They  fought/argued/were mean at the XXXX # he gave the Court as his #. They told me they would not let me talk to him. Demanded a ton of private personal information including my ENTIRE SS #. I finally did talk to the Colorado Lawyer who is suing me for a Minnesota Company-he did not care that I am XXXX  and have no income. I  have to do a Hearing and have been terrified all Summer. He Picked the Exact Day that I usually get my check on. Plus the EXACT MORNING HEARING TIME that I go outside to walk my XXXX  dog. I can hardly walk early mornings due to my XXXX. I believe he has stalked me and knows that. I asked XXXX XXXX of Nebraska for help they are ZERO help. This has scared me ALL Summer long. I pay my bills on time. This was an instance where they jacked up the payments to $ XXXXplus a  month and I tried to offer {$35.00} and they wouldn't take it. I feel this Lawyer who apparently does have a phone number was DECEPTIVE because it was never given on ANY COURT DOCUMENTS EVER. The Credit card charged off the debt already. He bought it. He is trying to get money from me that I do not owe Him. He had me Served on a Sunday. A Religious Day. ALL his Court documents " PRAY TO THE COURT FOR JUDGMENT AGAINST ME. '' Lawyer " PRAYS '' Against ME, I am a XXXX. This has been personal and terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The Original Creditor & Collection Agency both are trying to collect on same account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Best Buy ( store only ) credit card. Ive always been charged a service fee called Debt Protection. I never signed up for this service. Im unaware how long Ive been trying to cancel this service, but its been years. I requested Best Buy to cancel the service years ago. They stated they did at one instance, but I wasnt confident the person whom helped me over the phone knew what I was talking about. Years later, I am still getting charged this fee. After researching the situation online, I now see this service is from Citi Bank, and it has to be cancelled through them. 

Now, I am unemployed due to the COVID situation. I reached out to them on XX/XX/2020 to see what the benefits are, since Ive been paying this monthly fee for a decade, at least. I might as well see if I can benefit from this program that I have not signed up for. The employee was not able to explain the benefits, but instead said they will send me a letter of the benefits, explained. On XX/XX/2020, I receive a letter of how enroll in the benefits, and not the explanation of the benefits. The benefits enrollment seem near impossible to qualify for. 

I paid all these fees, and I should feel protectednot hindered. I want these fees refunded.

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 2020-09-30 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: IN

Complaint narrative:
I have reached out to Experian several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.

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 2020-09-30 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: IN

Complaint narrative:
I have reached out to XXXX several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.

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 2020-09-30 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have reached out to XXXX several times to dispute erroneous items from my credit report and asked for documentation..verification and validation of each item they are reporting including a request to provide who they spoke with name and contact have not received it..they claim they updated/verified the accounts within hours of my filing for reinvestigation there was no way this was done properly or legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A couple of weeks ago I open a business credit card with Capital One. 
Days later, I had my accounts ( personal and the business credit card ) restricted without notice, apparently for fraud protection. 
I did receive a notice about a week later in the mail, but no email or notification. 
I dont understand how the bank sends a notice to the address they are trying to figure out is right ( which it is ), instead of contacting me through the app where I sign in with my fingerprint or phone. It just doesnt make sense. 

Capital one did the following : Failed in the deadline initially given to me to solve this issue ( 7 to 10 business days became 3 weeks ) Requested me to send a picture of my social security ( seriously no institution, bank, etc has requested me to send a picture of my social security number ) Failed several times to address my problem and unlock my accounts. I was not able to use my personal credit card for 3 weeks. 
Forcing me to stay 30 minutes in conference call between Capital One and a third party provider ( electrical company ) in order to confirm that I was an authorized user of my electrical account. Total call lasted 48 minutes, and there were several calls with Capital One before that one, which failed to help me. 
Failed to provide more options to me in order to address my problem. They requested proof of address, but didn't accept rent bill or letters from official government institutions ( like XXXX or XXXX ) directed to me showing my address. This is unfair as the situation of everyone is different. I do not have a lot of physical bills coming in. I do not have cable bill, water bill and bills like electrical and internet are hold into my husband 's name. 
Failing to offer more options to provide proof of address is almost discrimination. 

I'm filling this complaint because I honestly do not think that this was handled properly, and I want to help other consumers to avoid the same situation, or be provided more options that I was provided as well as a faster resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2020 NF reported to XXXX I was 30 days late for {$12.00} on my Navy Federal Visa card. Up to this date, I was unaware I had a balance or if the account was still even open. The last time I spoke to NF regarding this account was on XX/XX/2020 when their security department informed me that they were closing my visa account because I had not applied for the car and blocking my online access to all of my accounts. I had not receive any invoices on this account nor able to log in online to get my statement. I didn't think I was late because as of XXXX XXXX., NF had reported to XXXX that my account was current. NF is reporting different and conflicting reports to the credit bureau regarding this account. Per NF, the visa account was closed because I had not applied for the card. So why am I being held responsible for an account I didn't apply for? And how am I supposed to know I owed a balance on an account deemed not applied by myself I don't receive statements or ability to get statements online? 

Why am i being charged {$20.00} per month? What is that {$20.00} charge? It's not a late fee nor interest. My balance has climbed from {$12.00} to {$92.00} in 5 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMERCE BANK
State: MO

Complaint narrative:
I WANT THE CONSUMER PROTECTION BUREAU TO INVESTIGATE THE THEFT OF {$250000.00}! 
XXXX  XXXX  XXXX  SUBMITTED A FRAUDULENT PAYOFF STATEMENT FOR A LOAN I HAD ALREADY PAID. 

I paid off an {$82000.00} line of credit in XXXX. I paid off {$240000.00} balance in XXXX I paid back the escrow I already paid AND paid beck and apparently paid again. 

I paid the taxes and insurance. I paid the credit cards in the second mortgage when I paid off the second mortgage I paid off a XXXX balance included in my first mortgage. I paid it off with the second mortgage. I paid off the balance when I paid off the second. 
Modification included all of it. 
{$240000.00} - XXXX XXXX - XXXX {$130000.00} balance in XXXX XXXX XXXX XXXX paid - XXXX balance XXXX - {$49000.00} 2nd principal balance at 0 % XXXX payments + XXXX already paid XXXX paid XXXX {$500000.00} I just Received A phone call from Commerve bank. 
I want a complete investigation by the comptroller of the currency. And the {$250000.00} stolen from me yesterday I owe commerce nothing. 
This is on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: AL

Complaint narrative:
I have been called repeatedly since XXXX of 2020 about some classes they claim I ordered but I never ordered them, never received them, and Im not even sure what they are for. My credit is ruined from this and I didnt even do anything wrong! I did not share my personal information. I dont know how someone couldve done this. In the files attached all of the calls labeled unknown are repeated harassment from this company. I blocked one of the numbers and then another started calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Unemployment money and taxes and resources. Credit cards under my name. Please help yes I made police report ready

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 2020-09-30 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX XXXXalot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back father was a cop. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
XXXX  XXXX  account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX XXXX  account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 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 — Problem with personal statement of dispute
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. 
Has to do with XXXX XXXX college..alot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back XXXX  was a XXXX. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. 
Regions bank account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. 

I was on a XXXX bank account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. 
Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.

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 2020-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
On XX/XX/20, a representative from " LendGreen '' contacted my elderly parents via telephone, asking to speak to me. She repeatedly asked them for my phone number. When they asked her what this was about, she refused to answer and continued to ask for my telephone number. When they refused to give it to her, she hung up on them. This was very upsetting for my family. I then called the number that had called them. She answered the phone using my name ( apparently they have caller ID ). I asked her why she had called my parents ' home looking for me ( I have not lived there in over 20 years ), and she would not answer until I " verified information, '' including my social security number, which I refused to do. She would not give me any further information other than she was from " LendGreen. '' I do not know anything further about this company, and have not been associated with them in the past. I told her not to contact myself or any of my family members moving forward.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Shell point mortgage has taken over responsibility of my home loan back in XXXX 2019. My loan in the last 12 years has had many different ownership. I had waited to make payment like I normally have done till XXXX when they said they finally got the information transferred over. It was reported that I owed over {$6800.00}. I started to inquire in XXXX to get this fixed. Back and forth I have been calling them waiting a month to get an update. My statement from Di-tech shows I was current as of XXXX XXXX, 2019. 

I have been back and forth with trying to get them to fix my account as I am not disputing the total owed on the loan. The amount owed is accurate. I am sure if there was a schedule for someone to look into would find the schedule accurate as well. 

I am submitting my statement showing I am current as of XXXX XXXX, 2019. I have already showed the payment history to not be accurate as the statements Shellpoint has shown they have received the payments but refuse to add them into the payments history. History of this complaint can be seen on complaint XXXX. 

I guess my last part of my complaint was never answered. I am submitting a financial statement showing the account is current and would like to know why Shellpoint is ignoring the statements? Why is there only the convenience to only take part of the information from the statements, such as documenting the proof of payments, but not the total owing? Why when I showed proof of payments, Shellpoint used a statement to show there is documentation for the payments, but not updated there payment history to also reflect the payments? 

I am submitting a statement showing I am current as of XXXX XXXX, 2019. My last response from Shellpoint mortgage company was responded by mortgage statements and was closed. I am not disputing the principle owed on the loan, as this has been followed and is accurate. I am disputing Shellpoint stating I am missing payments.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
I have disputed this debt through XXXX  and they are refusing to remove this debt. I have NO knowledge of this account with XXXX XXXX for {$620.00}. It is a collection through AmsherCollectionServices that has recently been added to my credit report. It needs to be removed because it was definitely not a account of mine. 

It says it was opened XX/XX/2020 and it was reported to my credit report on XXXX/XXXX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened a Capital One 360 Performance Savings account on XXXX XXXX, 2020. 
I applied a promo that promised a {$500.00} bonus is {$50000.00} in funds in kept at the account for 60 days. To ensure the bonus went through, I called a Capital One representative right after to confirm - he promised me that he had applied the bonus to my account. 

On XX/XX/XXXX, the {$50000.00} were transferred by me to this account. 

I called Capital One 60 days after to enquire about the bonus. They said that it might take another 90 days to provide the bonus but the condition that I keep {$50000.00} in the account for 60 days had been fulfilled. 

On XX/XX/XXXX, after over 4 months of keeping the funds at the bank, I withdrew my {$50000.00} given the conditions had been fulfilled. 

Not seeing the bonus again on XX/XX/XXXX, I called Capital One again and the agent told that I just had to wait a few more days and guaranteed the {$500.00} bonus would be applied to my account. 

I still have not received the bonus and Capital One committed blatant fraudulent advertising

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: NJ

Complaint narrative:
Lending Tree is engaging in false advertising of rates. 2.28 % APR, therefore including points. When you put in your contact data, you are then shown only significantly higher offers. The next day, today, I am being deluged with calls at higher rates. False Advertising!!! The should not be able to get away with that!!!

Company response to consumer: Closed with explanation