vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
on XX/XX/XXXX I made a payment arrangement to get my credit back in good standing with capital one, on a chat with an agent named XXXX XXXX, we created a payment plan and expectation that they would start reporting my payments if they were made on time per the arrangement, my first payment I made was that day XX/XX/XXXX of XXXX $ my second one was due the XX/XX/XXXX in the  amount of XXXX $ and the next was XX/XX/XXXX XXXX  $ - I made the second payment thinking it was the XXXX $ and realized I needed to make more of a payment so I tried to add money, they wouldn't accept it, so I called and spoke to several people about why they wont accept MORE money, after having to hang up on one person and calling back I finally got someone who deleted the first payment then took the correct amount, I then paid XXXX $ XX/XX/XXXX to get my account back in complete good standing. With all this being said I did all this to get my credit back in good standing so they were to report it, because I was moving and needed to get a credit check, I then find out XX/XX/XXXX that they reported me as not making a payment in XX/XX/XXXX and haven't reported ANY of my current payments - I called them and spoke to several people who said they have to follow the fair credit reporting standards etc etc however the agent I spoke to, XX/XX/XXXX said they dont have to report me as making payments and positive until I am in good standing, but yet that doesn't seem correct because I have made payments and you are reporting me as XX/XX/XXXX NOT making a payment then XX/XX/XXXX and XX/XX/XXXX you have no payments at all reflected, I can understand XX/XX/XXXX but NOT XX/XX/XXXX and XX/XX/XXXX. They won't fix my score until after my next billing cycle she said. So now I am unable to move because my credit is showing this and also they are violating my rights as a consumer - I am looking into legal action in small claims against them for this inaccuracy and the issues it is causing currently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from Capital One dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from XXXX reporting a date of XX/XX/2019 and an XXXX report number of ( XXXX ). In which, the XXXX  report does not show my current Capital One Credit card reporting. There is still a major disconnect between XXXX and Capital One. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with Capital One and XXXX both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An  immediate resolution is required at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 I was approved for XXXX instore line of credit for XXXX XXXX XXXX store. I purchased a mattress set, dresser and livingroom set. my total. was {$1600.00}. I was told I had 101 days to pay off with no interest. i was told I can contact XXXX XXXX XXXX told to adjust my payments to be paid off in the 101 days, as they ach withdraw the payment bi-weekly. I called immediately to set up the necessary payments to be paid off I was told that they don '' t adjust payments and I have to tell the how much I want my payment to be. I was confused because that is not what I was told instore. I ask for my payment to be {$200.00}. I was told that the next 2 payments would be for {$200.00} and I would have to keep calling back to change the payment. Again not was I was told instore. 

On my payroll date I saw the minimum payment was withdrawn of {$130.00}. I called the company XXXX XXXX XXXX again to see what the problem was and was told the same thing. requested the payment to be {$200.00} again. This time one payment of {$200.00} was withdrawn and then the payment went back to the minimum. I called again to have the payment adjusted. The same thing happened again the minimum payment was deducted. I called again and asked for a Supervisor, the same scenario again. I asked the payment to be adjusted and the minimum payment was still deducted. 

I feel like this is a scam to keep you from being paid off in the 101 days. I called again and asked for a supervisor and she explained the same thing. I complained that I have made several attempts to pay {$200.00} but my request is not being processed. she stated that I could have paid online and I explained to her that to avoid any mistakes I wanted to call and speak with a representative to ensure my payments were made and processed properly. She continued to sate the process which has never worked from day one. She extended my pay off by 1 week and advised that I would be charged {$4000.00} in leasing fees if not paid if by XX/XX/XXXX. This is absolutely crazy to be charged {$4000.00} in leasing fees when I did everything I could possibly do to adhere to the 10 day pay off option. This is a scam to charge astronomical amounts of excessive fees. This should be illegal.!!! I'm disgusted at these practices and something needs to be done about this. PLEASE HELP ME. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX American First Finance 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 2019-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My husband and I have a Home Equity Loan with PNCBank.

The interest rate is a FIXED Rate at 2.89 %. I went online yesterday to our account.

After doing some online bill paying, I opened up our Home Equity Loan account.

I clicked on the tab : Payment Details to see the amounts we paid in interest for the year XXXX for our taxes. I noticed something really strange. The amounts that we paid in interest and the amounts that we paid in principle didn't seem right. They were going up and down up and down. That shouldn't be with a fixed rate. I contacted PNC Bank to find out why this was happening. I spoke with 8 different people. They kept transferring me to someone else. Something is going on and it's NOT right. Please help us. I have printed out the proof dating back to XX/XX/XXXX up to XX/XX/XXXX. Maybe you'll be able to get to the bottom of this. We are not able to. 
Thank you for your time. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Some time back I had obtained a payday advance loan. Due to some financial issues, my check was likely returned but I never was contacted about the issue. A couple years later I start receiving phone calls from an unknown number saying they are trying to locate me to get me processed with the county. They are calling anyone that is listed as a possible association using public record data and not utilizing the references I listed when I obtained the loan, telling them there is an action pending against me with the county, making it sound like its a criminal action. I asked them for their company name and mailing address but they refuse to tell me, saying they are the Proceedings Office

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BTH Management
State: OH

Complaint narrative:
A collector named XXXX from a company called XXXX contacted me on XX/XX/2019 at XXXX. I told him I was at work and he could call me back after XXXX. He said no to that and told me he was going to take legal action against me. After he spoke to me he called my mother on her cell phone and at her work. I have never given any company my mothers work phone number. He told her that they were going to file legal action against me. I called him back on XX/XX/2019 at the phone number he called from XXXX. He said he had called a great many people about my account. When I tried to speak to him about this matter he hung up on me. He would not give me the name of the company he was calling from. He did tell me on the XXXX that he was collecting on my XXXX account. I had to call and speak to XXXX to find out who they sold the debt to. I then tried to call XXXX at the number XXXX gave me XXXX. I was put on hold after I told them that I thought their collection policies were illegal. They then hung up on me. I have now sent them a cease and desist order and a letter.

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 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
In XX/XX/XXXX, I was notified by XXXX that I had adverse credit reporting by XXXX XXXX. I contacted XXXX XXXX and found out the my loan was 120 days late. I had not received any notification from XXXX XXXX  concerning this. I immediately remedied the past due amount and made timely payments for a couple of months. I also filed a dispute concerning their reporting due to the fact that I was never notified by XXXX XXXX. I was denied any remedy to my credit report. I again contacted XXXX XXXX on XX/XX/XXXX regarding my dispute with their credit reporting and the fact that I was never contacted. I was informed that their records indicate that I had been notified by letter and by phone calls. I have never received any letters nor phone calls from XXXX XXXX. I believe that someone within their organization has falsified their records. I have always had a high credit rating. This action by XXXX XXXX has ruined by credit. I have always paid my debts in a timely manner. XXXX XXXX   refuses to make any changes to their credit reporting. I was never contacted by XXXX XXXX. I am the one who contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened up the acc in XX/XX/XXXX With Citi. When I opened the acc I called to confirm that this card was 0 % interest for purchases and balance transfers. The person I spoke to confirmed that yes the card was 0 % interest on purchases and balance transfers for 18 months. Come XX/XX/XXXX I cave and interest charge for about {$180.00}. I called to try and fix it and they said they would send it to people above them and I would get a call or reply and I never did. XX/XX/XXXX comes along and I have another interest fee for about {$170.00}. I call again to resolve this problem ans they said they still are working on it to investigate. It is now XX/XX/XXXX and there is another fee for about {$180.00}. I can't continue to get all these interest fees that I can not afford just because the representative gave me the wrong information about the card. I called again they see nothing on theie end, there is no dispute or any investigation that they can see. It's just an ongoing cycle of calling ans them telling me I will get a call back to resolve this issue. I need to either remove the 3 charges and I can pay it all off the card by doing a balance transfers to another company or they can transfer me to one of their companies but I can not pay these fees that I inquired because their employee gave me the wrong information. If I would of known they were gon na charge interest rate right away on purchases I would of applied for one of their cards that actually have 0 % interest or a diff credit card.

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 2019-02-22 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: IA

Complaint narrative:
I had someone begin phone service in my name fraudulently in Arkansas despite me having never lived in Arkansas and only driven though it. I disputed the account with XXXX  and XXXX  over this. One immediately removed it from my credit report. The other I filed a complaint through your agency and it got removed. 

I didn't realize it was on my Experian report as well until I went and bought a car. I tried to dispute through them as well and they refused to remove it. They told me I needed to file a report with the police in the town where the event occurred. It turns out I need to physically go to Arkansas to file a report, something that is beyond my ability to do both time wise and financially. I explained to Experian and they refused to do anything. 

Thus I am filing a complaint. This is an attempt to have a collection removed from my credit report with Experian that was created due to fraud. 

The report number through Experian is XXXX Please let me know of any more information I need to provide in this matter and I will provide it if I am able. 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 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS

Complaint narrative:
The original mortgage was held by XXXX XXXX XXXX. My monthly payment was {$650.00}. This loan was then transferred to Bayview Loan Servicing as of XX/XX/17., with an interest rate of 10,19 %. At this point. I requested a loan modification due to my inability to pay the note based upon my income. I am a retired person with a fixed income. I did reach out to HUD for assistance in developing a schedule of my income and debts showing my inability to pay this mortgage amount. After speaking with HUD representative for several weeks and sending the schedule requested, I was unable to reach the individual who was assigned to me. After many tries, I called the main # and that persons indicated that the assigned person was out ( sick leave ) I asked if they would forward the information on to Bayview, XXXX XXXX, Asset Manager, who was the contact person @ Bayview, working up the modification request. 
I am not sure if they used the package of information sent to them by HUD, even though it was sent. 
During the modification loan process, I was told that I did not have to pay the monthly note, those missed payments would be added to the loan when approved. I did not know that they would report the late payments to the credit Bureau which affected my credit score. It was my intention to get my credit score up to a point that I could qualify for an FHA loan with a lower interest rate. 
I have asked BayView to remove this from my credit report since the total deliquent amount was added to the loan which made my loan increase from {$36000.00} to {$40000.00} ( interest being added ) My other concern is that this loan is being secured by a home ( my house ) and 23 acres of real estate.. Secured by more than 3 times that of the loan. I have indicated to both XXXX and Bay View that I did have a description of my deed with house and 3 acreage, which would cover the loan. THEY WOULD NOT ACCEPT THIS!!!! 
This property is my inherited property from my Grandfather. That is the reason I had the surveyor to cut out three acres around the house in case I wanted to borrow against. 
Secondly, the 10.190 % interest is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I Open a Checking account with TD Bank XX/XX/2018 and TD Bank Frozen my account XX/XX/2018 and I got a direct Deposit form Social Security and when I spoke with TD Bank they told me I have to step in to a branch to unfreeze my account and I can't withdraw funds for the account and don't have Access to use it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a subscription for credit monitoring with XXXX through Experian. I first contacted them at XXXX on XX/XX/19 to report that the information on my credit report is not accurate. It shows no credit history at all which is not correct. I have 2 active credit cards as well as a history of a paid mortgage.The agent I  spoke with, XXXX, after a 1 hour hold time, told me she would forward the issue to their " support '' team for resolution and that I would be contacted in 7 to 10 business days. I checked the report again after a couple weeks and it was still not correct. I called back on XX/XX/2019 and the agent, XXXX, apologized and told me the issue would be escalated to their support team and that I would hear from someone in 3 to 5 business days. She told me to call back in 5 business days if I still had not heard from someone. On XX/XX/2019 I still had not heard so I called again. This time the agent, XXXX, told me it was still with their support team and she would not give me any ETA for resolution. She stated it was out of her hands. I find it unacceptable that it has been over 5 weeks and no action has been taken to resolve this issue. In the meantime any credit checks done on me through Experian are showing I have no credit which is clearly not the case. Note that I also have credit monitoring through XXXX  and the information in their systems is complete and correct. Please help me get a resolution to 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 2019-02-22 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
account paid off on XX/XX/2019. After reaching out to First Federal Credit Control, they assured that they took necessary steps to remove the account and suggested I dispute it with the bureau. After disputing the collection with the credit bureau, the results stated that the information was confirmed by the creditor to be accurately reporting. I reached out again to the creditor who advised it may take up to six months for the reported information to change, which I know to be inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: NY

Complaint narrative:
I have a credit card with XXXX XXXX with a credit limit of {$2500.00}. I opened the account back in XX/XX/2017. I used most of the credit limit but never going over it. I have made payments totaling {$2100.00} in the first 9 months of having this card, at this time my pay off amount is {$2900.00}. It is incredible that their interest and fees could be this much. I requested to have a payoff amount and they denied it. I can't believe a credit card company is able to get away with this. It is worst than a loan shark.

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