vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This is in regards to the error made by XXXX when a new auto insurance policy account # XXXX was created on XX/XX/XXXX by a sales agent working for XXXX, XXXX XXXX from XXXX XXXX XXXX to replace or override a previous Policy # XXXX that according to XXXX it had a balance amount of {$380.00} and now it stands at {$1000.00} in my credit bureau report. The monthly premium billing for the new policy was significant higher than the premium amounts from the old policy of about {$300.00} to {$400.00} more. The premiums from the old policy was {$430.00} and on average very consistent each month but the premium payment amounts debited from my bank account for the new policy effective XXXX were much higher and very inconsistent in amount each month ranging from {$640.00} to {$780.00} and when my daughter questioned this high increase in premium to the agent, XXXX XXXX, he explained that the first bill for the new policy was higher due to the transition from the old policy and the new one, and we thought that was the reason since we were issue a credit of ( {$410.00} ) along with a debited payment of {$480.00} on the following month XXXX of XXXX. Also XXXX confirmed my suspicion on the, XXXX that my daughters and myself were charged for 2 overlapping policy accounts when the new one was created for the month of XXXX from XXXX from XX/XX/XXXX to XX/XX/XXXX. I had spent more than 3 hours with them during the week of XX/XX/XXXX to point out the mistakes they did but they refuse to admit to any errors even the one that I had pointed out very clear to them about the overlapping days in which their only response was that they would request from CCS collection agency to adjust the collection debt amount from {$1000.00} to {$550.00} for the overlap billing amounts or the billing for 2 identical  auto policy during the period range of XXXX to XX/XX/XXXX. They didn't want to admit that they had made errors or apologetic even after I clearly show the error of the overlapping billing amounts of being charged to 2 auto policies instead of one. The XXXX Resolution Leader,  XXXX, said that they are going to request the collection agency ( CCS ) that to adjust the debt collection amount to {$550.00} from {$1000.00} but nothing has been done. I sincerely think that any balance from the old policy was paid already. The payments they debited from bank account were too irregular and the increase in premium was to high for the same kind of policy and therefore an investigation of this is needed as soon as possible. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I called NissanXXXX XXXX. I told them the account is over 7 years old. Its been over 7 years since I turned the lease back in. I havent made a payment in over 7 years and it shouldnt be on there. The account says I pay every month. The lady told me it was gon na be reported to the credit bureaus and stay open as long as there is a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
We have mortgage serviced thru Specialized Loan Services ( SLS ) since XXXX. Original loan from XXXX XXXX. We have never been late or in arrears on this loan. 
I was trying to get a payoff quote. I've called and can not get anyone and even when I do a callback request for within 72 hours it has not happened. I recently set up an account online with SLS at SLS.net on XX/XX/XXXX. I was able to check my loan balance and request a payoff and got it immediately online. I did a communique thru the online messaging. My complaint is that the website is down and continues to be down for many days. Today is XX/XX/XXXX and I have not been able to log in since XX/XX/XXXX. 
SLS asks on their recorded phone info, and with mailed communiques, and all over my bill that you set up and " utilize your online account '' for any questions and information. 
THAT I have done. THEY must have a functioning website. THEY do not. How long can this go on? 
It seems highly irregular.

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 2020-08-26 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: IA

Complaint narrative:
I paid off the Current Balance of my Capital One Walmart Mastercard in the amount of {$5400.00} on XX/XX/XXXX. On XX/XX/XXXX they added {$60.00} in interest to the account. When I called and spoke with 2 different representatives about this, they indicated that the " Current Balance '' as shown on the website isn't quite correct as it doesn't have the " daily interest '' accrued and showing on there. When I asked the first representative who I could speak with regarding this, he transferred me somewhere that had about a 20 minute wait. I hung up and called back as I'm at work and don't have that long to stay on hold. The second representative repeated the same things that the first one did, and when I asked who I needed to speak with or write to, he said he didn't know, and asked me who I wanted to talk to about it. I told him I wanted the account closed immediately and that I would pay the {$7.00} that I agreed I owed today, online. Which I did. 

What I need to know is who can assist with removing this {$60.00} interest charge? This is not the only account, not even the only Capital One account, that I paid off. However, it is the only one charging me interest AFTER I paid off the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-26 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: LA

Complaint narrative:
Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about

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 2020-08-26 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: LA

Complaint narrative:
Someone has stolen my identity. Back in 2011 someone got a hold of my wallet at local bar for the last 9 years I have had bank accounts, credit cards, etc in my name that I did not agree with nor known anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. Discover should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: PA

Complaint narrative:
XX/XX/XXXX XXXX XXXX  : Received a Fraud Alert text from CitiFraud Dept :  " Did you attempt {$1700.00} at XXXX XXXX XXXX XXXX on XXXX Yes = 1, No=2 '' Case # XXXX XX/XX/XXXX XXXX AM : I typed " 2 '' in response to say no. Also followed up with a phone call to Citi to confirm. Citi confirmed the charge was fraud and that there were no additional transactions, cancelled the card, and issued a new card. 

Approximately XX/XX/XXXX : Noticed a charge on XX/XX/XXXX Statement for  {$110.00}. Charge posted on XX/XX/XXXX to the account that was supposed be cancelled by Citi for a purchase from XXXX XXXX XXXX XXXX. Called XXXX XXXX number that was on the statement to dispute charge. 

XX/XX/XXXX : Received call from XXXX legal department who confirmed that charge was not initiated by me. They stated that it appeared to be a fraudulent charge and are taking legal action against one of their consultants who made the charge. They told me I need to contact the credit card company to have the charge reversed since it was fraudulent. 

XX/XX/XXXX until XX/XX/XXXX. Have made a myriad of contacts with CitiBank. Have been bounced back and forth between the Fraud Department and Billing Dispute Center with a final determination in the vendors favor. During that time, also forwarded an E-mail to Citi Dispute Department from the XXXX legal department confirming that I did not make the charge to them. CitiBank has also been unable to or unwilling to provide any evidence to me that I authorized the charge. Contact at Citi also stated that the vendor did not respond to Citi 's inquiries. Why would Citi rule in favor of vendor who did not respond over their customer who has been very responsive and took the initiative to reach out to vendor to confirm that I did not make the charge. 

Additional points. Prior to this transactions, I have not had any dealings with XXXX  in recent memory. The credit card in question was only newly issued in late XXXX and therefore, I could not have been the one to provide the credit card # to XXXX. Additionally, Citi Confirmed on the morning of XX/XX/XXXX that there were no additional charges after the {$1700.00} charge on the card right before they cancelled that card. They should have been responsible for preventing any additional charges to the card from that point on. Apparently they were too slow to cancel the card and at some point between the time at which they said they would cancel the card and when it was actually cancelled the XXXX charge hit the 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 2020-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am trying to remove myself as authorize user on my chase account.Chase is forcing to be authorize user the account rep is refusing to remove me I explained to them me and my are separated not talking to my wife.The account is affecting my debt to income ratio. I am asking to remove myself and off my credit reports.Rep hung the phone on me I asked to speak legal department and she was very rude. I should not have to be forced to be on account when it not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I paid my mortgage online before the XXXX. I received an email that I was hit with a late fee during this COVID 19, and I was also locked out of paying online. I took a screenshot of the message ; PHH Mortgage Services has a ruthless practice of this that has been going on for YEARS! I am sick and tired of it..they also charge a fee if you pay online. my other mortgage company does not do this practice. I own 2 homes. Please have them stop this bad practice so ppl can continue to pay their mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-08-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. XXXX should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.

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 2020-08-26 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover filed a 1099-C in XX/XX/2020 on a debt previously owed. That debt was included into this years tax return. 

Discover is still reporting the account as if it has a balance, and if I could pay on it. 

While on the phone with Discover on XX/XX/2020 around XXXX I spoke with XXXX who said that she was working in an apartment with 10 others which is why she had a bad attitude,. 

XXXX then also attempted to collect on the debt that Discover had previously filed a 1099c on. Asking me if I would like to pay the full balance of {$700.00}, that was already written off. 

Discover is using predatory tactics, and illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX has a completely different reference # than the other 2 bureaus, XXXX is missing the date settled, all bureaus are missing the liability amount and status of the account

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 2020-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has a completely different reference # than the other 2 bureaus, XXXX  is missing the date settled, all bureaus are missing the liability amount and status of the account

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 2020-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
On XX/XX/XXXX, I had this XXXX  XXXX  in the XXXX XXXX of my XXXX XXXX and I was rushed to the XXXX  of XXXX XXXX XXXX Hospital in XXXX Delaware, I was seen by a female doctor, she asked me if I had Insurance and I said no, she requested an XXXX and she diagnosed XXXX, she wrote a prescription to take to the pharmacy, I was not able to treat the XXXX until I got a job with XXXX XXXX XXXX XX/XX/XXXX, I received a Medical bill of XXXX dollars and change and I started making prompt payments, through an arrangement that reduces the amount to {$790.00}, to my surprised, I called to make a payment and I spoke with this female representative who told me that she could not find any bill in my name or address at the time because of that she could not receive the payment, since then I have not received any corresponding letter from the doctor 's office or XXXX XXXX Hospital . My Credit was flagged on XX/XX/XXXX, via XXXX by TRANSWORLD SYS INC/XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, PA, XXXX, I immediately called the above collector, spoke with a female customer service agent, who was very intelligent and accomodating also put in a Dispute on my behalf to the XXXX XXXX XXXX Hospital. I have worked over the months to bring my credit score to a Good score and this scenario have drastically reduced my score, I'm kindly requesting CFPB immediate intervention to help restore my Good Credit Score, thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26 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: CA

Complaint narrative:
Capital one is decreasing credit limits on a mass scale without notice. I have been a customer for many years and pay an annual fee for my credit card. Without notice my credit limit was decreased from {$9000.00} to {$2000.00} on XX/XX/2020. I called Capital One today and they stated that my limit was reduced because I was not using the my available credit. This is in direct contradiction to our original agreement where I was told my account would be reviewed every 6 months for a credit line increase. As a result of this change my credit utilization will significantly increase and my credit score will significantly decrease. This will cause irreparable harm to my financial status. Moreover, it is socially irresponsible for Capital One to reduce limits in a time when people will need to depend on their credit the most, when CapitaXXXX Once has been afforded the opportunity to make massive profits in our economy.

Company response to consumer: Closed with explanation