vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: AZ

Complaint narrative:
The collection agency Central Portfolio Control, is using a tactic called debt parking in an attempt to extort me. I had a medical debt back in XXXX ( around {$870.00} ) that was eventually paid for by my insurance, and consequently removed from my credit report. Central Portfolio Control re-reported this to my credit as a new debt from XX/XX/XXXX, in an attempt to damage my credit and extort me into paying on an invalid debt. 

They never attempted to contact me via telephone, or by mail before reporting to my credit. No attempt was made by them to validate the accuracy of this debt. 

I called their agency and was told that I needed to pay, and they had no intention of removing this bogus debt from my report. 

Not only is this debt not valid, they are in clear violation of FCRA and FDCPA regulations using debt parking tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2021, I opened a bank account with Chase Bank online. 

Once they authorized the account I had my direct deposit information sent to them and on XX/XX/XXXX, when my direct deposit was received, I went to check my account. 

At that point I was informed that my account has been suspended. I was then told that to gain access to my funds, I needed to go to a branch with various forms of ID. When I explained the difficulties of making it to a branch ( I live in a small town with no public transportation to any of their branches ) I was asked why I even started an online account with them in the first place. 

I've now been locked out of my account and my paycheck for 9 days and considering that it's a the day banking holiday, I'm now supposed to wait for a check that'll arrive at some point. 

I don't know how it's legal for a company to accept a person 's money and then deny them access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for an XXXX  XXXX credit card from Bank of America using a link from the XXXX  XXXX website to a Bank of America website. The information on the XXXX  XXXX website and on the Bank of America website offered a promotion of XXXX XXXX  XXXX miles if I spent {$8000.00} within 90 days of opening the account. The promotion was very clear and was on the same page as the application I completed, so I definitely applied under that promotion. After I spent the required amount, Bank of America only credited me with XXXX XXXX  XXXX miles. 

I contacted Bank of America and spoke to several representatives and supervisors. I provided detailed information to them. They all told me that they had no authority to correct anything - they could only submit a case to a back office to do " research ''. I received a letter to call them. When I called, they told me that the back office had completed their " research '' and that I had applied under a XXXX-mile promotion. That is not true. The back office did not actually do any research. They only looked at the promotion code that their website had entered incorrectly. They also told me that there was nothing anyone could do and there was no one I could appeal this to. 

I have included detailed information in attachments. I have also attached a copy of the application webpage showing the XXXX-mile promotion on the same page as where I entered my information and submitted my application. 

I had applied for this credit card specifically to get XXXX XXXX  XXXX miles to purchase two tickets for an XXXX  XXXX next year, and I spent {$15000.00} on this credit card so that I would have the needed XXXX miles ( with the XXXX-mile bonus ). I already had to spend {$970.00} for the two XXXX  XXXX tickets, since I needed tickets to a specific destination only served by XXXX  XXXX on a specific day to meet a cruise, and these tickets may not be available later. I should have been able to get these tickets using the XXXX  XXXX miles they should have given 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 2021-09-04 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: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I refinanced with a new company and they funded on XX/XX/21. I tracked the payoff funds and confirmed they were received. Ive been trying to get them to update my account to paid and close it since I now have a new lender. They wont apply the funds and instead are holding them and trying to continue to collect monthly payments stating they will pay me back the over payments once they decide to apply the payoff funds they received. I read other people having the same issue and then struggling with getting their over payment funds back from this company. They need to be held accountable for scamming people, I want them to credit my account with the payoff funds they received and transfer my account to my new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I gave them the bankruptcy case number and requested that they Cease and Desist all further contact with me and reach out to my attorney. They are still calling me and attempting to collect a debt that is included in a chapter XXXX bankruptcy, case number XXXX. My attorney is XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Inquiries not initiated by me XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Trans union continues to send in a email that has nothing to do with the investigation and removing the unauthorized inquiries they continue to give me the runaround. They also deducted 8 points from my credit report because I contacted cfpb even though I havent opened any new credit, closed any credit and has 100 % payment.

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 2021-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
The company Upstart will not quit harrassing my wife and I. Every week we recieve six advertisement letters for us to apply for one of their loans. I called them twice and politely ask they remove us from their mailing list, the first lady said " i dont know what to tell you '' and hung up, the second person said they cant remove us from their mailing system. We have no loans with this company, we've never purchased anything from them. They also call my phone everyday asking me to apply for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a capital one credit card and I have missed some payment back in XXXX and XXXX. I was having some financial hardship at the moment and could not make those payments. Since then, I have faithfully made all my payment as things got better for me for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I had two accounts with Capital One that I have had for years. Each account balance is paid in full every month, but I don't often use them. Usually owe nothing. On XX/XX/2021, I closed both of these accounts. One account had a balance of {$100.00} and the other card had a balance of {$34.00}. I immediately paid both balances and asked for my rewards to be paid out as cash. 

Three days after closing my accounts I received a bill in the mail that I owed {$100.00} on the one account. In the interim, I also received an email from Capital One stating that the accounts were closed and I still owed balances as stated above. I immediately called and paid the both bills over the phone. My bank deducted these amounts TWICE, once on XX/XX/XXXX and again on XX/XX/XXXX. 

I called Capital One and who confirmed that YES both accounts had been paid in full, twice. They now owe me {$100.00} and {$34.00}. I was told I would be receiving a refund. 

I am now receiving DAILY emails from Capital One that my account payment is late and I owe this money, yet again. I again contacted Capital One and was assured this was their error but I will continue receiving dunning notices. 

Please investigate. They are ruining my credit. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: MD

Complaint narrative:
XX/XX/XXXX, XXXX sent first dispute letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent first dispute letter out for my inquires ( certified mail ) no response XX/XX/XXXX, XXXX sent 30 day comply letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent 45 days inquiry letter out no response attached I have the letters and the certified letters.

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 2021-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Executive Credit Management, Inc
State: MD

Complaint narrative:
Good afternoon, I received a debt collection notice from an agency called Executive Credit Management , Inc. in XXXX, NJ. I was originally contacted and received a voicemail from a XXXX XXXX on XX/XX/XXXX in reference to a debt owed by a XXXX XXXX. I returned the call and left a voicemail back letting the individual know that the person in question is not me, and that the name XXXX XXXX is a married name from 16 years ago. I instructed them to stop contacting me. I received voicemail messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from ( XXXX ) XXXX asking for additional information and that they want to help me. I received a notice of debt owed by mail to my address today, XX/XX/XXXX threatening to further pursue the debt. I have checked my credit report and the debt does not show, however I will be reporting this to the credit agency as well. 

I do not know if this organization is legitimate or not, but I need assistance in stopping the harassment. If this organization is legitimate, they have the wrong contact information and I have no knowledge of the debt or the person they are trying to find. I am concerned about their legitimacy because they keep asking for documents and additional information on the voicemails to prove I am not the person for which they are looking. 

Please let me know what I need to do additionally to protect myself. Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is the original creditor reporting an inaccurate account in which I have tried to address with XXXX, the collections agency XXXX XXXX and the credit bureaus. They will not provide me with information on how they are verifying that this is accurate nor have they removed it within the allotted time per my FCRA rights. Their investigation has been ongoing for several months. I also requested validation of the account from XXXX to which they have not addressed or responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
We began having difficulty paying our mortgage in late XXXX. In XX/XX/XXXX we paid roughly {$7000.00} to bring the account current. We paid the XX/XX/XXXX payment on time. However, we were impacted by COVID19 and both myself and my partner lost our jobs as a result of reduction in work force. We put our house on the market for sale, communicated with the mortage company, and PNC Bank agreed to issue a deferement of the mortgage until XX/XX/XXXX due to COVID19 and the Cares Act. In XX/XX/XXXX we received notice from PNC Bank offering to extend through XX/XX/XXXX. We were finally able to sale and close on the home XX/XX/XXXX. Upon checking my credit file, it was discovered they reported me past due 120 days for XXXX and XX/XX/XXXX. This was during the time we had agreed to extension for COVID19/Cares Act. I am requesting XXXX and XXXX of XXXX rating of 120 days past due be removed. We communicated with PNC Bank throughout our process and they were aware of our cirsumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I filed an dispute on XX/XX/2021 it was XXXX XXXX transactions I later found out my brother did it do I want to cancel. Its taking money from people XXXX XXXX account now its saying I owe them. Im going to pay the credit money back to you guys. But its charging back the people who XXXX XXXX account it is also so now I owe double is it some way you guys can reverse that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/2021, a deposit was made to my account at Credit Karma, in the amount of {$30000.00}. Since that day, my account has been locked down, with no reason given for the lock down. I have no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XXXX  XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type.

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XXXX  XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXXXXXX XXXX XXXX XXXX claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies XXXX XXXX, Transunion are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.

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 2021-09-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XXXX  XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type. 

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XX/XX/XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXX XXXX  XXXX XXXX  claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies Equifax, XXXX, XXXX  are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: TN

Complaint narrative:
1. I filed a formal notice that XXXX  XXXX XXXX claim is disputed date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

2. I filed a formal notice that XXXX XXXX  claim is disputed, claim the date opened is incorrect, the high credit is inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate, no. of months ( terms ) inaccurate, account type. 

3. I filed a formal notice that XXXX claim is disputed, claim the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX and XX/XX/XXXX inaccurate, account number inaccurate, balance inaccurate. 

4. I filed a formal notice that XXXX XXXX XXXX XXXX XXXX  claim is disputed claim the account type is incorrect, the high credit is inaccurate, late payments XXXX and XX/XX/XXXX inaccurate, account number inaccurate. 

5. I filed a formal notice that XXXX XXXX claim is disputed the high credit is inaccurate, the last reported date inaccurate, late payments XX/XX/XXXX inaccurate, account number inaccurate. 

The credit companies XXXX, Experian, XXXX  are not compiling with their own policy in a timely manner. My letters were unaddressed within 30 days of their policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
We have our home mortgage serviced by PenFed Credit Union. As of XX/XX/2021, the institution does not allow members to pay its mortgage payments bi-weekly through either the online portal nor by phone. The online portal only allows for monthly payments and no partial payments which limit you from setting up bi-weekly manually. If you are process the payment by phone, they do not guarantee the correct calculation of interest - the first payment is held in queue until the second payment is made, thus requiring you to accrue additional interest. 

This issue is further exacerbated by the fact that I do not have consumer choice on who services my mortgage - as a result, I am forced to accrue additional interest due to system limitations.

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