vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America has engaged in a long-term pattern or practice of providing False statements or representation for credit card account XXXX. In fact, these false statements or representation were so serious that I had to close this credit card account. I am attempting to pay an alleged debt to Bank of America for various late fees and interest charges caused by delays created by their failed ACH system which appears designed to incur late fees and interest charges. 

On XX/XX/19 @ XXXX CST I called bank of american collections at ( XXXX ) XXXX who {$25.00} removed from past due amount leaving a payoff amount of {$9.00}. representative was a female who offered to make call notes for a future representative to refer to if item is not removed from credit bureau. 

XX/XX/19 XXXX call during a 1hr-12min call I was transferred to XXXX XXXX who escalation manager and was told the content of my prior call on XX/XX/19 included false statements or representation. Mr XXXX went on to say the name of the representative providing false statements or representation on XX/XX/19 was XXXX 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 2019-10-05 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: CT

Complaint narrative:
I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED 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 2019-10-05 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I did a Pre approval at lending tree, one that promised a no impact on the credit and a soft pull ... over the next 3 or so days many many many " Lenders '' banged my reports with inquiries ....

Upon noticing this I called all the credit bureaus, they told me that there was nothing they can do and i hate to contact the " lenders '' so I did exactly that ONLY TO HIT ANOTHER BRICK WALL when they told me since it was through a 3rd party ( XXXX XXXX ) they could not even SPEAK to me about it, its on my report and they wont even talk to me.. this is pureeee fraud!!!

of course I found out lending tree gets PAID for each inquiry from each lender .... 

So between XX/XX/XXXX and XX/XX/XXXX of 2019 the following inquiries were spread between all 3 credit reports UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sokaogon Finance, Inc.
State: OH

Complaint narrative:
I took this loan out on XX/XX/2019 for only {$500.00}. Please see attachment for the outrageous interest rates they charge. They are charging 782 % which is illegal in the state of Ohio. Their max APR is 28 %. I shouldn't have to pay this loan back as it's not valid in the State of  Ohio especially if they are not licensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting that a late payment exists on my account for XX/XX/2019. I have the payment booklet reflecting a payment due date of XX/XX/2019 along with proof of payment for both XX/XX/2019 and XX/XX/2019 which more than covers the XXXX payment either early or within the 10 day grace period and well before the next payment due of XX/XX/2019. I also have the payment dating back to XXXX and and another at the end of XXXX reflecting. I submitted documentation of these payments to show that the XXXX payment was not late and should be corrected on my credit report and XXXX ignored the request and did not respond. I filed a dispute with XXXX XXXX and they did not correct the problem. 

I am attaching the payment confirmation for XXXX, showing the extra {$10.00} for the late fee, the payment for XXXX, showing the extra {$10.00} for the late fee and the on time payment for XXXX. All payments are within the 30 days and did not go to the XXXX day as inaccurately reported on my credit report. When after the 10 day grace period, the fee was included.

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 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Javitch, Block & Rathbone LLC
State: TN

Complaint narrative:
On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact Javitch and Block, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact Javitch and Block multiples time and have never received a call back.

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 2019-10-05 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 called Transunion and tried to file a complaint because someone else is on my report they would not let me verify online because this persons infomation is linked to mine. My name is XXXX but someone by the name of XXXX is on my report. It says I have 2 addresses and 2 jobs. I think someone must have linked me with this person please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I checked my business account checking balance. I had enough I thought to buy some gas and pay for parking until a deposit came in on Friday XX/XX/19. In any case I was not too worried since I believed I had opted to not have any OD 's paid. It turns out that my balance was quite low and my monthly maintenance fee hit on XX/XX/19 which zeroed my balance. On XX/XX/19, I was traveling around and using my debit card for that account to pay for parking. 

I used the card 4 times on XX/XX/19 and paid for parking in the following amounts : {$1.00} {$1.00} {$1.00} {$1.00} Since I believed my card would reject if there were no available funds I was not worried. I could then use the business credit card or a personal credit or debit card to pay for parking instead of the business debit card. However, the charges went through. 

On Friday XX/XX/19 I went into a local branch to move funds from my business to personal account and to discuss the overdraft charges since I had received an email notice about that. 

With my other bank accounts I don't need to go into the branch to move money but Capital One Bank does not yet allow me to move funds from my business to personal accounts electronically without using a third party service like XXXX. 

When I addressed the overdraft issue at the branch with the teller ( XXXX ) at the XXXX, Maryland branch she told me that my account is set to pay all overdrafts. I then pulled up my business account on my cell phone and showed her my Overdraft options screen, which read in a way that caused me to believe that Debit card overdrafts would never be paid. 

She then went to the Manager of the branch, Mrs. XXXX who told her there was nothing she could do because her system shows that all overdrafts are to be paid. Since I don't recall ever overdrawing this account, this situation had not come up before. 

In any case, I was charged {$35.00} for each overdraft on the same day. A total of {$140.00} in overdraft fees for my account being overdrawn by a total of {$5.00}. 

I feel this is onerous, incorrect, abusive of the banks position, and inappropriate because the way my screen reads I was led to believe that overdrafts with my debit card would never be paid. 

With Assets of over {$370.00} XXXX and revenues of over {$28.00} XXXX, this seems to be an almost predatory and definitely abusive way to handle situations like this. I am requesting that Capital One Bank do four things : 1 ) Refund the {$140.00} in overdraft fees 2 ) Correct the misleading overdraft option on my online banking platform relating to my business account 3 ) Resolve the situation that would allow me to move money between all of my Capital One bank accounts online 4 ) Ensure that no debit card transaction on this account will be paid if the account does not have funds to cover them it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: NV

Complaint narrative:
Company contacted me saying i owe a specific amount with no proof. Threatened to affect my credit if I didn't start paying. This occurred in XXXX of 2019. At that time I just found out i have stage XXXX XXXX XXXX with XXXX XXXX XXXX XXXX and became XXXX. I started making payments. I have to renew my XXXX with California every 10 weeks so i did not receive income for 3 weeks waiting on doctor to renew my XXXX. I informed the company but they went ahead and reported the account to the 3 credit bureaus affecting my credit. One month had not even passed and they did that injustice to a XXXX person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I would appreciate your help obtaining a little information about my Capital One credit card account ending in # XXXX. They have made it virtually impossible to find out when the deferred interest on a balance transfer expires and interest is charged to your account. 

On XX/XX/XXXX I transferred {$19000.00} from another bank to my Capital One credit card using your balance transfer option with deferred interest. 

This morning I have spent over 90 minutes attempting several ways to find out from you when the balance needs to be paid in full to ensure no interest is charged to my account.

I have : - Searched your website for 30 minutes trying to obtain the information.

- Checked my account statements that you provide me each month.

- Attempted to chat with your customer service team but could not find this option - Searched for 10 minutes on your website to locate the customer service phone number.

- Called and spoke with a representative. After putting me on hold several times, she finally VERBALLY provided me the information and said it would be due XX/XX/XXXX. She then offered to email it to me, which I agreed. She put me on hold again and 10 minutes never came back onto the line. I hung up. 
- Called again and spoke with another representative. Again, she put me on hold several times and finally gave me the information VERBALLY. She them told me she could not provide it to me in writing. 
- Requested to speak with a supervisor. She transferred me to XXXX in XXXX, FL call center. He corrected the previous agent and said the balance is due to be paid by XX/XX/XXXX to avoid interest being charged. He further said he would not provide it in writing. 
Mr. XXXX, this information is not disclosed on your website, it is not on my monthly statements and it is virtually impossible to obtain from your call center representatives. 

Why have you made this so hard? And why won't you simply provide it to customers in writing. It's seems to me you're hiding the information so customers end up being charged the interest. 

I would kinda appreciate you providing this information to me in writing. 

I look forward to hearing form you. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK opened a new account in my name after I disputed the charges on a card that was stolen. 

My bank and other credit card companies did the same after dissolving the fraudulent charges, but not Discover.

They are attempting to roll over the fraudulent charges to this new account. Why open a new account in the first place?

This is an unethical act on Discover 's behalf because by law I can not be held responsible for charges that I did not make.

Discover knows this, and has the responsibility of removing these charges which have been reported fraudulent. But instead they have decided to stick me with the fraudulent charges and charge me interest on the balance as well!

This is extremely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Already filed identity theft report with federal trade commission and mailed copies with notice to furnishers to all three credit bureaus.

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 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
This is the same issue as I reported in complaint number XXXX. 

Despite their response to that complaint in which they stated in their letter dated XX/XX/2019 that " To alleviate any future concern or confusion, we have adjusted the payment schedule to disburse just one PMI payment per month. ", they have AGAIN removed two PMI  payments in the month of XX/XX/2019. 

Since my previous complaint they have disbursed PMI payments from my escrow account on the following dates : XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 Clearly the company 's letter in my previous complaint was a fabrication. 

I have attached Flagstar 's letter and also PMI transaction history since the inception of the mortgage

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 2019-10-05 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: IL

Complaint narrative:
The issue that I am having is TransUnion is reporting things that I did not authorize and accounts that do not belong to me. I have told them several times these things DO NOT BELONG TO ME for these accounts XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX Along with the following inquires 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. I was told this would be taken care of on previous call but has not been.

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 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/19 I submitted a paper payroll check from my employer to my Citibank Access Checking Account via mobile deposit. On XX/XX/19, I logged into my account and noticed that only XXXX dollars of my XXXX dollar deposit was credited to my account. As I was unfamiliar with the funds release policy of Citibank, I called them up at approximately XXXX and was told that a portion of my funds would be released that day XX/XX/19 and the remaining balance would be released on XX/XX/19. At the time of this conversation, there was no mention of any problems with my deposit or my account. Around XXXX on XX/XX/19 I logged into my account to see if the additional funds had been released and found that my entire checking account had been removed from my login. At XXXX I called Citibank to inquire why I no longer had online access to my checking account. I was then transferred to the fraud department and was told that it had been locked because the address on my account didn't match the address on the check from my employer. I explained to them that I had moved earlier in the year and had neglected to change the address on my account. This didn't matter to them. I was told the only way that I would regain access to my account and my money was to visit a local branch and show proof that I had a right to have mail delivered to the address on my check. When I explained to them that there wasn't a branch in my state, I was told I'd have to mail proof to a location in XXXX XXXX, TX and that the process would take 5-7 business days. I explained to them that I couldn't be without my funds for this long as I have upcoming bills to pay and asked to be able to submit proof via secure scan or fax and I was told that wasn't an option. So now, I'm going to be unable to pay my bills or put food on my table because I didn't change my address and they won't provide a way for me to expedite this process so I can get this resolved. I feel that this is just a way for them to take advantage of my funds and make extra money from the interest they make off my money.

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 2019-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On or around XX/XX/2019 I was served with a civil warrant regarding a debit I was unaware of and had never been contacted about. On XX/XX/2019 after attempting to contact XXXX and XXXX, the firm filling the suite . I sent them a certified letter requesting information about the debt and never received a response. I appeared in court per the notice and the court date was moved back two months. I have also contacted the original creditor and they could not verify the information. I have attempted to contact XXXX and XXXX multiples time and have never received a call back.

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 2019-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There is an American Express showing on my credit report that doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: GA

Complaint narrative:
I received a call from my insurance company on XX/XX/XXXX stating that they did not receive payment from the XXXX XXXX ( Stearns Loancare ) and my insurance was canceled. 
My funds ARE in Escrow and the XXXX has all my insurance information including policy number and payment due date. ( as seen on my account when I sign in ). 
My insurance company called and was told by multiple people that my loan was in the process of being sold and they are refusing to pay the insurance premium at this time. 
It took me several calls ( I was transferred to a supervisor who never picked up, told they didnt have my insurance info-which they did, and promised to call me back on XX/XX/XXXX which never happened ). 
The last rep I spoke with, XXXX, stated my loan was NOT being sold and that this was an error on XXXX side. She conferences in another rep in the insurance department who stated this will take at least 5 days to request payment and IF approved another 2 days to cut the check and then mail. I was looking at a minimum of 2 weeks with no insurance. 
I ended up having to pay out of pocket for 3 months of insurance so I would be covered. 
This is illegal for them to hold my money and cause the stress and financial hardship of having to come up with extra funds when they have my money!!!

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