vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is my second request to transunion as well as XXXX on the XXXX of XX/XX/2020 requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items from my credit 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 2020-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I purchased a pet through XXXX. In order to purchase the pet the same day, I applied for a credit card. When I applied, I was told that there would be no interest charges on the balance and that the balance would continue to go down as I paid. I agreed to apply and accept the credit card mainly for this reason as I planned to pay it off in a couple of months. My documentation that I signed does not have any APR % listed nor did I receive any documents stating I would be incurring interest charges. In addition, the rep at the store specifically stated that i would not be charged interest so I assumed this was like and " in-house '' credit card owned by XXXX. When I received my first bill, I paid the minimum amount but the 2nd bill came back with interest charges. I contacted the credit card company on or around XX/XX/2020 after receiving my 2nd bill and noticing the additional charges and that my payment hadnt been fully applied to my balance. The rep I spoke to said that the only way that I would not be charged interest is if they had applied a promotion on the card. This was after I informed them that the store rep told me that I wouldn't be charged interest and my docs do not list anything regarding interest charges. I also stated that I was never given a time frame for no interest charges after the rep informed me that the promotions only last for 12 months. So I filed a formal complaint which they stated would be investigated. They pretty much took about 2 weeks to " investigate '' and tell me that I had to pay interest charges. They stated that " my  purchase did NOT QUALIFY TO BE PLACED ON A PROMOTIONAL PLAN ''! THIS IS PRETTY CONVENIENT AS NO ONE EXPLAINED ANYTHING ABOUT WHAT, HOW, OR WHY A PLAN WOULD QUALIFY FOR A PROMOTION AS NO PROMOTION PLAN WAS EVER EVEN MENTIONED, ONLY THAT THERE WERE NO INTEREST CHARGES!! MY ISSUE WITH THIS IS THAT THIS COMPANY PRACTICED DECEPTIVE AND FRAUDULENT PRACTICES. THEY SHOULD NOT BE INFORMING CUSTOMERS OF ONE THING AND THEN CHANGING TERMS TO ANOTHER. I WAS TOLD I WOULDN'T BE CHARGED INTEREST SO I SHOULDN'T BE AND WOULD LIKE THE INTEREST CHARGES AND PAYMENTS TO BE REFUNDED TO ME. XXXX   AND COMENITY BANK ARE NOT TO BE TRUSTED! I wish I never had purchased from them or signed up for this credit card. I will definitely be paying this off this month and closing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Condensed, I had been trying to get my ( as my Husband passed away in XXXX ) loan modified. There were extenuating circumstances, which I have binders full of correspondence from XXXX our Servicer in XXXX, to no avail. We were offered trial periods which were awesome, however after the 2 years the payment increased to more than we were paying upon attempting the modification. My husband was nearing retirement and I was displaced by the Mortgage meltdown of XXXX. I was told they did not care about our aging status, or health issues. During this time our Loan was sold to now Servicer, Mr Cooper aka Nationstar. I personally have gone through XXXX, two Brokers, myself, and another/current Gentleman to no avail. About 5 years ago I was " forced to accept '' a modification in order to remain in my property and the payment for the next 30 years will beyond affordability, as I am a retired Widow now, for the past 7 years, struggling to make my payment. Our arrearages during that period were added to my loan balance, in a time where everyone was being given modification and no increase in the balance, here I sit. My payment is beyond affordable, and takes most of my income, from my deceased husbands retirement, etc. All I want is my balance lowered to what it was prior to the added arrearages and an affordable payment. But, I was told they didn't care about my reasons, aging, retirement and a predatory loan. I was told because we did not accept the first modification offered to us by XXXX, we would not be considered for lower anything. My husband is now gone, which I told them, was inevitable, and I am alone to struggle until I am gone. I just want help and understanding, which I wait patiently for, as they keep tell the Gentleman working on my loan " we have this new program available ', or that program, but nothing changes for me. Contacting you was recommended by a friend, and I pray this is due to Gods direction and I will finally get relief, that will allow me to continue to stay in my home that is in need of repair, and I have no disposable income to take care of them. I appreciated your understanding and consideration. Although, this is a condensed version, as I mentioned I have notebooks of correspondence over the last 12 years with the Servicers. I did not find out that XXXX XXXX was my Investor until my interaction with XXXX, and they did not help me, as XXXX XXXX, did not respond in any way, shape or form to my dilemma or resolution. We filed BK in XXXX a Chapter XXXX which was discharged in XX/XX/XXXX, however, my statements continue to come over ad " Voluntary '' payment (? ) almost 9 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I leased a vehicle from Kia Motors Finance in XX/XX/XXXX, i paid over {$3000.00} as a " due at signing '' amount and the lease term was for 3 years and 3 months with XXXX miles. The vehicle was due to be turned back in by XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX in excellent condition ( i have a condition report with pictures done by a licensed company used by Kia ), with just over XXXX miles. I made the agreed on monthly payments of {$350.00} per month for the entire lease period, never late with payments. Now Kia Motors is saying i owe them {$400.00} as a " turn in '' fee and the XXXX cent is for over mileage. The " turn in '' fee is because i did not lease another vehicle or purchase a new vehicle. When i leased the vehicle back in XXXX, i knew nothing about a " turn in '' fee. I spoke to a representative at Kia today name XXXX at around XXXX XXXX  who informed me that the " turn in '' fee and excess mileage cost of XXXX cent could not be waived under any circumstance. At the time that i turned in the vehicle i had just gotten out of the hospital with a XXXX XXXX, and i am still ill and unable to work, this can be documented. I do not wish my credit rating to be negatively affected by this mark, particularly since i have such a good record of making on time payments for the vehicle. I think it is a ripoff for Kia or any dealer to charge the consumer for returning a leased car, simply because the consumer does not choose to lease again or to buy a new vehicle from them, and particularly during this Covid-19 crisis. I am a senior citizen.

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 2020-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have 3 credit cards with Chase. I've never had a late payment or even run a balance. My credit score is XXXX. No criminal record. They have been advertising to me for many months asking me to open checking and savings accounts. So I gave in and did. I switched my direct deposit to the checking account and deposited more than $ 15k into the savings account. I did this because it is the minimum balance to receive the account opening bonus of {$600.00}. 

Suddenly I can't log in to my online account because it is locked. No email, no text, no call, no snail mail. I called multiple times and after getting through they informed Chase has closed my account. No reason. I looked up the reasons they often close accounts  and none apply to me. The deposit came from XXXX XXXX is 100 % legitimate. I moved a couple of weeks ago and the person said maybe they weren't able to verify my address. But I'm signed up for paperless so why would expect mail from them? In addition, I have USPS forward my mail so I could not possibly have missed it. I offered to send my lease agreement or provide other proof of residency and they said no. 

I pointed out that if something fishy was going on and they wanted to stop the relationship they would have canceled my credit cards as well. They said the checking/savings are separate. If that's true then they shouldn't have locked me out of my online account. 

Also, how am I supposed to pay my credit card bill and manage those accounts if I'm locked out? 

They escalated it to the executive office who finally offered to initiate an investigation only after I said I would go public with my complaint. I asked them to email me to confirm the investigation and they refused. They said they do not communicate by email. How does the office of the CEO of a huge bank not have an email account? 

I asked if they can confirm a timeline for the investigation and they refused. They finally gave me a phone #, email, and case number ( below ) to check-in. 

This behavior is abusive and frankly should be illegal. They have XXXX of my money and I have no idea if I'll ever see it again. They said the procedure is to mail me a check within 7-10 days. But they failed to communicate and have been totally dishonest so how to do I know they will follow through? 

I understand mistakes happen but this was completely exploitative and abusive to a loyal customer. Please help me fix this. I want them to open an account with my XXXX and give me the {$600.00} opening bonus they promised. 

XXXX XXXX XXXX Can't give you specific time. Within next couple hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As a part of a liquidification plan with XXXX on my XXXX XXXX and XXXX card, I made an arrangement months ago to make a payment on {$84.00} a month for the XXXX XXXX card and {$46.00} a month on the XXXX card. I made on time payments through auto-pay for every payment then got an email this month saying my account was overdue. The XXXX representative and website set my checking account would be auto drafted those amounts until the card was paid of in 2024. When I saw that I got an email saying my payment was late, I called XXXX and was on the phone with them for hours, disconnected all for them to tell me they " don't know what when wrong. '' I told them what their representative told me about the auto pay and they refused to listen to me. I lost my job before my job now which caused me to go on this liquidfication plan, but now despite me making a payment plan with them, they reported both of my counts delinquent which brought down my credit score 56 points  when I worked so hard getting it up the past year. I told the representative I would pay that day but they refused to take it off my credit report if though it is their system and representative error. I have to move into an apartment soon and due to the 56 point drop I had overnight because of this horrible company 's issue, I am not going to get approved now. I paid off several of my credit cards the past year and this has set me back significantly when I worked so hard to improve my life and credit. I need them to take this off my credit report immediately because it was their fault that they told me they would auto-draft from my account until 2024 and then just suddenly stopped the auto-pay without informing 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 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
i have never been late on a payment in my life. due to the recent virus a bank of america card was paid a lil later. this was not my doing, i ask for forgiveness due to the pandemic and i will do anything to clear my name.

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 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems is reporting negatively to my credit report concerning a lease that is in dispute. The lease was disputed with National Credited systems on several occasions and one some occasions a representative of National Credit Systems hung up the call before a resolution or completion of the complaint national credit systems claims that lease provided says I should be charged for residence I was not living after completion of lease I told National Credit Systems that was not on my lease and information they provided was inaccurate only to be hung up on again and to have a collection show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is my second request to XXXX  as well as Experian on the XXXX of XXXX requesting a verification of the verified item they reported from the first dispute letter and giving them 15 days to response, as of yet i haven't gotten any verification nor deleted the items from my credit 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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX. I called Discover Credit XXXX I was first connected to someone at a call center in, I believe Michigan with a name of XXXX. I told her I was denied for Discover student credit card and wanted to apply for secured credit card. She connected me with someone in " acquisitions '' named XXXX. XXXX said I was denied due to my address. I updated my address and agreed to move forward with secured credit card application. She told me she did a hard pull for discover student card. However, I believed that she knew I wanted to apply for the secured credit card since I specifically stated this when I called XXXX at XXXX XXXX. on XX/XX/2020. I disagreed with XXXX. Then I was connected to supervisor XXXX XXXX after this and again on XX/XX/2020 at XXXX XXXX. I told him I was pre-approved for a secured card and thats what I thought I was applying for with XXXX. He refused to offer any resolution. Without reaching a satisfactory conclusion he said he wouldn't be available to speak about this until Monday XX/XX/2020. I called Discover again XX/XX/2020 at XXXX XXXX and spoke with a gentleman in the XXXX center who connected me with supervisor. I explained that I wanted to give opportunity to make this right in lieu of going to Consumer Protection Bureau. She said they can not remove an inquiry no matter what. However, her statement contradicts what XXXX XXXX told me that an inquiry could be removed but he did not find any reason to do so. She said she was going to again connect me with someone in " acquisitions '' she said that they can not remove an inquiry and I gave her an opportunity to make this right in lieu of going to CPB. She declined and I informed her I was reporting this to Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I used the wrong bank account to pay a bill, when I alerted them and told them to STOP and I will pay from a different account, they said their system tries to automatically withdraw it 3 times. Each time Citi tried to withdraw from my bank would incurr a {$30.00} fee for insufficient funds. I tried to pay the bill online but CITI 's system won't allow overage pay, so I couldn't do that either. In the end, I was out {$90.00} in fees from my bank, {$29.00} in fee from Citibank.

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 2020-06-25 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: NJ

Complaint narrative:
In XXXX I contacted Citi bank to let them know that I was affected by the pandemic. They gave me 1 month extension for a payment. In XXXX I made a payment that brought my balance from 79 % 0we 'd to less than 10 %. The say after I made a huge payment they hit me with a late charge of almost {$60.00}. When I asked if there was something they can do about that. They stated they gave me a break in XXXX and it was a one time thing. When I stated that a just made a huge payment, a supervisor said it didn't make a difference if I paid {$30.00} or {$3000.00}. I had just made a payment over {$3000.00}.

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 2020-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I used my Capital One Quicksilver card to pay for a hotel room in Indiana through my phone on Apple Pay. I went to XXXX to purchase some needed items, and when I tried to check out, my Quicksilver card was declined even though I had {$500.00} in credit. I called Capital One to figure out what happened with my account. I was told that they suspected fraud on my account after I used my card for a hotel room using XXXX XXXX, even though I've done this before with no issue. I asked then what's the reason and never given any, but I was told that I'd need to send in my drivers license and social security card. I never felt comfortable with this as I never needed it to get approved for the account. A month goes by and I call again to find out that I now need a bill with my name on it. I finally sent a copy of my drivers license, social security card, and a bank statement. After a week, I was told that sending in my bank statement wasn't good enough, even though that was what I was told over the phone, so I sent over my car registration. I get told this first week of XXXX, that now I need to send some residency information. This is too much, and I'm done with it. I don't need this much to even get a drivers license. As of today, XX/XX/XXXX, I still don't know why a fraud claim was put on my account, and the last representative told me that they can't tell me anything that's going on with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
i sent some dispute letters to capio partners LLC about some alleged debt they said i owe on XX/XX/2020 and i have attached the letters in the complaint below. I sent it to their Register agent office to make sure it gets to the right person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CO

Complaint narrative:
My request for a loan from XXXX XXXX  XXXX XXXX CO was denied because Sagestream , LLC reported to them that I was DECEASED!! This was sometime the end of XX/XX/2020. I have received a letter from XXXX dated XX/XX/XXXX informing me that I am deceased. I sincerely would like this corrected! 

NOTE : I have today, XX/XX/2020, received my credit score from XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan was paid off to XXXX XXXX back in 1990 over 30 years and they have sold it to several lenders advising them an incorrect amount. In my loan was only for XXXX and sold for XXXX in interest to Navient. I need off my credit and interest forgiven. Please assist and have removed from my credit. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
on XX/XX/2020, I responded to Pro Collect, Inc by sending some dispute letters to some negative items which is on my credit report reporting a debt that i don't owe.I have attached the letters to the complaint what i have stated.

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