vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have taken a  XXXX  credit card via  Comenity LLC  while purchasing my phone back in  XXXX  and have been paying monthly since then. After  one year, Comenity  decided to end the credit card partnership with   XXXX  and they decided to change clause up to their own interest, without my consent. They have also send a letter that they are closing the account but i can still pay remaining balance on a monthly basis. I have been making regular monthly payments and by   XXXX   XXXX  , all that was left was {$150.00} as my credit card balance to pay them. I also called their center few times in   XXXX   XXXX   to understand how the new rule works and if i should close the account by paying off remaining balance. What i have informed was there is no connection with  XXXX  anymore and they do n't have any information regarding my credit card. But I kept paying online through their portal and in   XXXX   XXXX  , I was shocked to see a charge of {$180.00} interest alone for {$150.00} remaining credit card balance and takes the total to {$330.00} in remaining balance. Within couple of days I paid off the {$150.00} original balance. There is no one that i can talk to or reach out to at the firm to understand this outrageous charge and hence I request   XXXX   XXXX   XXXX   to step in and kindly help me in this regard. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Dear  XXXX  : We have reason to believe that the  Organization ru n by  XXXX .  XXXX , at the same address of the Notary below,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX , apparently is impersonating the   XXXX   XXXX   XXXX   XXXX ,  XXXX , acting as Trustee fo r    XXXX   XXXX   XXXX   XXXX   at  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , OK  XXXX , alleging to file an Assignment of Deed of Trust on or about  XXXX / XXXX / XXXX  on the title of my property at  XXXX   XXXX   XXXX   XXXX , in  XXXX , CA  XXXX , claiming that a person named  XXXX   XXXX   XXXX ,  V.P. of Caliber Home Loans, Inc.,  acting as the Attorney in Fact of  XXXX   XXXX   XXXX   (  Now defunct ), FKA   XXXX   XXXX   XXXX   XXXX    SOMETIMES KNOWN AS    XXXX   XXXX   XXXX   XXXX   ( Now also defunct ), allegedly transferring the deed of trust to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    AS NOMINEE FOR    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , ITS SUCCESSORS AND ASSIGNS, ( Filed Chapter  XXXX  Bankruptcy in New York ) and Truste ee    XXXX   XXXX   XXXX   XXXX  , allegedly signed by the below referenced Notary Public of the State of Texas on  XXXX / XXXX / XXXX  working for the same company as  XXXX .  XXXX , at the same address of the Notary below,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX , on behalf of   XXXX   XXXX   XXXX   XXXX   have created and recorded a fraudulent document on the title of my property. We believe this to all be carried out in fraud and have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and they have asked us to contact you directly for further investigation regarding this document. Notary : Name :  XXXX   XXXX  - ID :  XXXX  Address :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  Expires :  XXXX   XXXX ,  XXXX   County :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX  History As Effective Expire Date Commissioned Notary Public  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  Commissioned Notary Public  XXXX   XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX .     This group of Companies has yet to explain how they have obtained a note signed with  XXXX  Mortgage and was included in the  RESCAP Chapter   XXXX  Bankruptcy filed in New York, which is still on going. I have made all payments to principal since  XXXX  and they have not been applied correctly and left in a pending account. They have does this purposedly in violation of RESPA, FDCPA,  RICO,   etc. in order to keep the debt alive when actually it was paid off years ago.     Please investigate this matter as soon as possible since we have reason to believe it is all fraudulent and included in the document created with the purpose of acting unlawfully against my property by  XXXX    XXXX   XXXX   XXXX  , and  CALIBER HOME  LOANS, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a complaint with consumer protection, in my complaint I specified the credit act requires permissible purpose, to request credit and specified that Experience is citing 'no specified purpose ' as the reason for the credit enquirer on  XXXX  counts.   There  1st reply  to this complaint says ' they are only loged when an enquiry is made '. Experian has ignored the law and is allowing companies to 'certify they have a valid reason ' for requesting my credit. Experian is accepting a 'certified valid reason ' as 'non specified and nothing specific '.   To give out a consumers credit report on  XXXX  counts for No specific reasons, is a violation of consumer rights.   The company Experian has also ignored the subject of  three le tters sent by attorney and not addressed the subject on the attorneys letters.     Failing a satisfactory response from Experian we will be forwarding all letters my attorney sent to Experian and all of  Experians r eplies to - Federal Trade Commission to read and investigate and enforcement.

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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: TX

Complaint narrative:
It appears tha t EOS CCA might  have purchased my debt from another company, or otherwise reported the wrong delinquency date from the origional account. The origional delinquency date was sometime in   XXXX   and they have just reported to the credit bureau or my credit report reflects the date as   XXXX   XXXX   XXXX  , which has obviously affected my  credit score  dramatically. Federal law requires that collection agencies report the origional delinquency date from the oridional account. I want this corrected immediately. I also never received a single letter from this company regarding the debt. The debt was incurred as  XXXX  failed to meet their corporate responsibility in reviewing my account for false charges on my account. I expect this debt to be removed in the federal  7 ye ar time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: U.S. BANCORP
State: CA

Complaint narrative:
I got a credit card from  US B ank, the  XXXX   XXXX  card. I pay an upfront fee, and get a credit limit. All perfectly ok. But I use the card daily pay it off every few days, and unknown to me I 'm blocked from using the card after paying it off twice witin my time period even though I have plenty of available credit on my card and not been late once. I was never told I was capped out on using the card AFTER I 've paid it down to {$0.00}. They sell the card based on the points you should be able to accumulate by using it, but then secretly do not tell you that you can accumulate points by using the card once you reach some random specified limit. I would not have paid the {$60.00} sign up fee to use a card that limits my use if it in such a manner where it 's paid off appropriately and I STILL can not use it

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 2017-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: OH

Complaint narrative:
I closed my  Keybank che cking account around   XXXX   XXXX   XXXX  . Almost  two yea rs later around,   XXXX   XXXX   XXXX  , I get an overdraft notice from them. Evidently after my account was closed, it was forced open when an  XXXX  autopayment went to that bank in error. I had told my  XXXX  agent I was changing banks. i set up autopayment through my new bank. Evidently,  XXXX  insurance in error withdrew my payment from both  Keybank  and   XXXX   XXXX   for almost  two yea rs and did not find the error until they looked into it.  XXXX  gave me a check for the amount withdrawn from the  2nd  bank which I repaid to  Keybank. T hey still want extensive overdraft and late fees and never notified me of this until the relvolving credit line that was associated with the account reached its maximum ( no letter in the almost  two yea r period to notify me this was happening ). Now  Keybank  tells me   XXXX   XXXX   is responsible for the bank fees assessed over that time frame.  First Keybank said  they would go after  XXXX  for those fees. Now they say it is my responsibility to go after  XXXX . I have no idea who to contact for this matter. I prefer not to work through my  XXXX  agent and deal directly with the correct department.   I do n't know what to do now and have been harassed by debt collection calls from  Keybank th roughout this time frame. I just do n't have a lot of extra time to deal with this working full time til almost the time the bank closes each day. I owe the bank around {$1800.00} per them minus the insurance check I gave them on the cash reserve credit account portion as of  XXXX  and {$79.00} on the checking account portion.  Keybank  account  XXXX . The  XXXX  premium was a life insurance policy. Can you tell me, should  XXXX  pay these fees ( since it was their error that caused all this )? I think it is a bad practice that bank accounts can be caused to reopen once they are closed out ( I had no idea this could happen  ). The  bank account is frozen but still assessing late fees from my knowledge. Any copies you need will need to be forwarded by mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: TX

Complaint narrative:
Enhanced Recovery Co XXXX incorrectly reported the origional deliquency date from the origional account that it reported to the credit bureau. Deliquent accounts are to remain on an individuals credit report for a mere 7 years. The origional date of my delinquent account was late XXXX, however Enhanced Recovery Co XXXX has it dated for XXXX XXXX, XXXX and at one time I had two collection agencies, with Enhanced Recovery Co XXXX being one of them, open on my credit report for the same debt. This type of faulty information negatively affects my credit report. Federal law requires that collection agencies report the origional delinquency date from the origional account. This debt was incurred by XXXX XXXX XXXX XXXX and was a result of failed contractual agreement. I signed into a contract with the company for a monthly fee in exchange for cell phone service. When my cell phone failed to get reception because of the city where I lived during that time, I called to advice them on their failure to provide the service I paid for. They adviced me a tower would be built in the next 2 years, this was in XXXXI was forced to switch companies given that I was paying without receiving service. The debt was the cancellation fee of contract breach, even though they in fact breached the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: WV

Complaint narrative:
I contacted the company on  XXXX     2017 after a collection letter was mailed to my mailing add ress, they told me that amount that I owed for  XXXX   XXXX   XXXX  even thought I knew that the amount was less that they were telling me, I was on fear to this collection to be reported to my credit reports ( Which they reported anyways ) after I saw the collection on my credit report I called them and made an verbal agreement to Pay To Delete after the debt is paid off and I agreed for a monthly payment of {$94.00} on  XXXX / XXXX  /2017 a  first payment was taken on that day and 3 days later they took the other amount without warning on  XXXX / XXXX /   2017,  I called them back and they said that the agreement was on the first of each month so they took the money, since I want this account out of my credit report I agreed to the first of each month to the amount of {$94.00}, today  XXXX / XXXX /   2017 th is compa ny without warning took the amount of {$180.00} causing my account to go to negative state and results of NFS charges I called them and I was told that was in the agreement and to fax copy of my bank statement to them which I did. The represe ntative was very nice but refuse to listen to my problem. I was never told by phone that I have the right to dispute this debt but as a citizen I paid anyways to avoid annoying phone calls.

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 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
CENTCREDSERV reported that I owe   XXXX   different medical bills   XXXX    for {$77.00} and another for {$79.00}. I spoke with them and gave them my information and they realized this incorrect and they had reported it on my credit wrongly. They said then I have to call their   XXXX   branch to resolve this even thou the number on the credit report was the one I called to get them not their branch in  XXXX . The number they gave me was  XXXX  and every time I call it keeps saying, " due to high call volume we can not answer your call. Please leave a message and we will call you back ''. I have left now 6 messages over the last 3 days and no call backs. the number they gave me just keeps saying the same thing. I called back CENTCREDSERV and told them that the number they gave me is no good and their reply was " keep trying '' I told them why should I keep trying that number when the contact number on my credit report shows this one I am talking to you on now? they would not answer and just kept pointing me to the other number. They will not 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 explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On   X/X/ 2017 I  want to continue to move forward with clearing up my debt.      Midland Debt collection Agency, has no t provided me with adequate information regarding this debt but I presumed it could be true being that  My  then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First  before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to Midland requesting validation and of options, by   XXXX  2017.     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  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 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My client,   XXXX   XXXX   applied for an  SBA  guaranteed working capital loan to TD Bank,  XXXX  Florida Office, Loan Officer  XXXX   XXXX . The loan application was refused. I requested a letter providing the reasons for the denial. That request was made orally ore than 60 days ago.  XXXX   XXXX  informed me that t he SBA lo an committee would provide the requested letter. That has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: GA

Complaint narrative:
I am filing a complaint because TRANSUNION has ignored my request to provide me with the documents that their company has on file that was used to verify accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 )  ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' Please resolve this matter as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
Car purchases  XX/XX/XXXX  Loan thru  Fifth T  hird Ba nk - GAP Coverage purchased All payment mad e one time - 2 mon ths pre-paid  XXXX   XXXX ,  XXXX  - car was totaled Around the end of  XXXX  or  XXXX   XXXX  - Bank call and told me to protect my credit I had to make another car payment as the GAP coverage had not been paid and the money would be refunded once claim was settled. {$340.00} was sent and received by them and posted on  XXXX   XXXX .   GAP payment was made  XXXX / XXXX / XXXX  Bank has returned {$68.00} on  XXXX / XXXX / XXXX  & {$160.00} on  XXXX / XXXX / XXXX  after much communication and a complaint filed to the Oh io Better Business Bureau!    The {$110.00} balance I 've been told by GAP is UNEARNED INTEREST which by definition ( DEFINITION of 'Unearned Interest '. Interest that has been collected on a loan by a lending institution but has not yet been counted as income ( or earnings ). Instead, it is initially recorded as a liability. If the loan is paid off early, the unearned interest portion must be returned to the borrower. ) should be returned to me. The bank is refusing to refund this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
There have been several credit disputes filed within  XXXX ,  XXXX ,  XXXX  as well as direct t o Portfolio Recovery Associates.  On  XXXX   XXXX  &  XXXX  ( via certified mail ) I have requested an Original Signed Consumer Contract required by Sectio n 609  of the FAIR CREDIT REPORTING ACT,  Portfolio Recovery Associates faile d to provide me valid proof. I also requested proof to be sent o f Portfolio Recovery License  to collect debts they failed to comply with request. Due to  Portfolio Recovery Associates fa ilure to comply on  XXXX   XXXX  , 2017 an  " GENERAL AFFIDAVIT '' was sent certified mail to be placed as record see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
They go by Natilonal Credit  Adjuster  or  XXXX , They have repeatedly called my job on several occasions harassing my co-workers and supervisors saying that they are trying to find me and other personal information. My Supervisor even had a talk with me worried that a personal  investigator or  something was trying to find me. They can not call my place of business and leave voicemails and harass others frequently. They called in    XXXX   XXXX     2017, and   called again on    XXXX   17. And t hat is just the recent ones that I can remember! I have been in to uch with them and they say that they will send me verification of the debt, which they have not. They also say that they are going to serve me with a summons several times, which they have not. they say I have a case # which is not valid as a court case #. I know the law and informed them that this is misleading and they tried to say that I was getting hostile and it I did n't admit this debt they would be forced to seek legal action which they have not!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
I have just received updated copies of my credit reports from all  XXXX  credit bureaus and discovered that there was a account and company listed on my credit report that I have never been notified about in regards to a debt which is violation of FDCPA  15 USC 1692.   This company is also in violation o of HIPPA Privacy rule and Breach of Confidentially.   This company has reported unverified false information and has stolen my identity to gain profit. I never contracted with this  Company Commonwealth Finance  nor did I give consent to use or have my personal information. Further more, this company did not provide me a  HIPPA release  that I gave consent to have my personal information or any information in regards to the account listed.

Company response to consumer: Closed with explanation