vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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: NAVY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
I have been a customer with Navy Federal since 2007 and overall has been a decent bank. I just recently had a credit card reported as 31 days past due on my credit report and this was not accurate. It is fraudulent the payment was 29 days past due on XX/XX/XXXX when I made my payment at XXXX. I selected my payment date of XX/XX/XXXX and went about my business. A couple days later I go online to make schedule another payment on a different account and see that my payment shows 31 days late.

I called the 1800 and they tell me I did not make the cut off. Any other bank that has a cut off time clearly displays the policy on the payments page. I searched high and low for this policy and could not find anything. I eventually find something that contradicts what they told me. A cutoff of XXXX   eastern time. My payment was made before that.

I then called the customer service number with the information I found. I asked the customer service representative ( XXXX  ) if she could show me where to find the XXXX eastern time cutoff notice and she looked for about 15 min even asking 2 supervisors for assistance and could not give me an answer. Instead she berated me about having past due accounts. I have 0 other late payments in my credit history, and I get one from NFCU for an on-time payment. I was shocked to see this as I have been past due for a while, but I am very cautious about paying anything beyond the 30 day mark. I was also shocked at how unwilling they were to help. As soon as I question the policy the agent became very defensive and then came the aggressive tone and I am frustrated about the whole situation. I want this fixed I did make my payment at the 29 day mark and the late mark should be corrected. If they did this to me I cant imagine how many other service members are out there not knowing that this is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I initiated a XXXX transfer of {$220.00} to a merchant thru regions bank and never received any products I ordered. I was scammed. I called my bank and they told me they would open a claim but that I would most likely not get my funds back. The money was XXXX  on XX/XX/2019. The number was changed and the person no longer responded to any of my texts, calls or emails or messaging on social media. Then she responded saying get over it and cursing me out.

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 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
During the 2nd week of XX/XX/XXXX, I received my annual Escrow Account Disclosure Statement. Since this is the first year with Loancare as my mortgage servicer, this is the first time they have provided me this letter.

On the Annual Escrow Account Disclosure Statement, it was noted that I had an escrow surplus of {$150.00}. In other words, I had paid more into escrow than was necessary. As such, Loancare issued me a check for {$150.00}.

Also on the Annual Escrow Account Disclosure Statement, my semiannual property ( county ) tax disbursements were listed. I own two parcels. For one of the parcels, the semiannual property tax disbursement transferred identically from XX/XX/XXXX to XX/XX/XXXX, which is accurate. For the second parcel, a rear, half acre parcel on which there is no structure, no improvement, no change, Loancare noted that my semiannual tax disbursement would increase from {$67.00} to {$1300.00}. This equates to a difference of {$2600.00} for the year! As a result, my monthly escrow payment increased from {$590.00} to {$770.00}. This is almost {$200.00} more per month.

When I noticed this issue in early XX/XX/XXXX, I began calling Loancare. At the time, they said that this issue would be fixed by XX/XX/XXXX. It is now XX/XX/XXXX and I have had to make two mortgage payments that are almost {$200.00} more per month than I had planned. I did not budget for this.

To date, I have called Loancare 7 times. I have sent them 3 emails via their customer service contact email address. I have received no response to any of the emails - either by phone, email, or mail. During those calls and within those emails, I have discussed the Annual Escrow Account Disclosure Statement, I have provided a link to my county auditor 's page for the parcel in question, I have provided the phone number to my county auditor, and I have explained the situation clearly and thoroughly. I don't know what more I could do - I've basically done their job for them, and yet they have taken no action on their end.

Today, I was told that this process may take another month or more. Simply put, I don't have the money to continue to make monthly payments that are {$200.00} more than they are supposed to be.

I don't know if Loancare is simply negligent ( i.e., they don't care about their customers at all ) or fraudulent ( they hike escrow payments in the hopes that borrowers default on their mortgages ), but something is amiss. This is the 6th property I've owned, and I have NEVER experienced a single issue with a mortgage servicer until now.

Please investigate Loancare. If I - as an educated and experienced borrower - have been treated this way, if by doing my due diligence there has still been nothing done on their end, I shudder to think about what they're doing to others.

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 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
Diversified Consultants is a collection company hired by XXXX and XXXX when an account is in collections.

The XXXX  account was open in XX/XX/XXXX and closed paid and full, with all equipment returned to XXXX. Diversified is showing a false open date of XX/XX/XXXX, on my credit report with a balance of {$3100.00} Diversified continue to update this information on my account every month and every year Diversified update my account with a new open date.

The XXXX account was paid in full of {$140.00} in XX/XX/XXXX, after transferring to another phone company. Diversified is once again showing a false open date of XX/XX/XXXX, with a balance of {$2100.00}.

I had to change my telephone number because I was harrassed daily from Diversified Consultants. I have disputed this company twice over this false predatory balance on my credit report. XXXX and XXXX were paid in full. Every time I dispute Diversified Consultants, they update information on my credit report account which caused my credit score to go down. This is a form of intimidation to try and keep me from disputing this information, so I can pay them the amount they say I falsely owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: TX

Complaint narrative:
I paid my balance in full and closed my account. I received a statement in the mail a few weeks later for {$75.00} dollars for interest on the full balance that was paid in full and closed 2 weeks prior I called XXXX and disputed the charge they agreed to take it off and agreed I owed nothing. They lied its being reported to credit bureaus when before it said closed {$0.00} balance previously. And they sent another statement for XXXX $ when the account was paid off in full and closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Thank you for taking the time to read this. I have an issue with Fifth-Third Bank. I have been making on-time payments to them for the past 9 months. In XXXX, I decided to enroll in a program with XXXX XXXX XXXX for repayment plan for the debt ( I had lost my job ). In XXXX, I made a {$650.00} payment to Fifth Third over the phone. 

My issue is that when I tried to make the payment in XXXX, the representative said my account was closed and that I have to go into a branch to make the payment. When I went into the branch, the representative said he will see what is going on. I never heard back from him. In XXXX, I tried to make both XXXX and XXXX payment but they would not take my payment over the phone. So I went to another representative at a local branch and demand for them to find out what is going on. The representative reached out to me yesterday saying that my account is in-house collections because my account was late. I was furious because my account was late due to the run around I was getting from Fifth third but he mentioned it was late since XXXX. I know that was not true because I made the payment on the XXXX each month. The phone representative always said my payment will be posted on the same day I paid ( excluding holidays ). I received no mail notification and now I have a late payment on my credit report and I do not think I should have that reporting on my credit. This is not right and I would like this fix! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC
State: CA

Complaint narrative:
I received an alert from XXXX XXXX on XX/XX/2019 at XXXX XXXX stating that my Lendup account is delinquent. I was shocked to say the least because I checked this account a few weeks ago, and it stated my next payment due date is XX/XX/2019. Today is only XX/XX/2019, so no payment is due as of yet, but it's reflecting as delinquent, although I made two payments last month on XX/XX/2019 I made a payment of {$190.00} and XX/XX/19 {$97.00}. And from then on, my next payment due date always reflected XX/XX/2019, so why is my account status being reported to the credit bureaus as delinquent? Please fix this and update my account to current with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: NV

Complaint narrative:
XXXX XXXX has moved a negative item to experian and this has been removed?

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 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/19 XXXX I drove up to Bank of America ATM machine, the XXXX XXXX XXXX XXXX Texas, and deposited {$7500.00}. ATM number is XXXX. The ATM machine took all my money but the receipt says only {$300.00} was deposited. I called the Bank of America claim department right away and spoke with XXXX. She filed a claim for {$7200.00} because the recepit says {$300.00} deposit was made.

I spoke with a representative at Bank of America on Thursday and she mentioned it could take up to 45 days until I get my money back. {$7200.00} is a large sum of money and I feel uneasy. So I called Bank of America claim department on Friday, XX/XX/XXXX, and spoke with XXXX in Arkansas. Before she picked up a phone, my calls kept getting disconnected and I had to be on hold 11-16 minutes each 2-3 times I tried to speak with someone.I demanded to speak with a supervisor but she said they are busy and the supervisor is answering other calls. I was talking with XXXX  for like 15-20 minutes about my situation and she kept saying her supervisor can not come to the phone to speak with me. According to XXXX, supervisor named XXXX put in the request to review on Monday but it could take up to 45 days. Its {$7200.00} not {$720.00} I am talking about!

The representatives I talked on phone said, Bank of America open up the ATM machines and count the money at least twice a week and its been 5 business days since the incident. Why do I have to worry about whether or not I would get money for 45 days? And the representatives kept mentioning the bank might or might not give me a temporary credit. Temporary credit? Temporary credit is not enough! Its Bank of Americas ATM error and its my money, {$7200.00}. This situation is totally unacceptable and I want my money back right away. Please assist me! 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 2019-08-24 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: RI

Complaint narrative:
I had a debt with XXXX XXXX. XXXX XXXX sold my debt to XXXX XXXX XXXX. XXXX took me to court to pay {$670.00}. I made an agreement to pay {$30.00} weekly. The debt was paid in full on XX/XX/2019. XXXX provided me with a letter showing the account was PAID IN FULL. Despite my having paid in full, my credit score has dropped points on a couple of occasions because the account came up FP ( Failed to make a Payment ) for XX/XX/XXXX and XX/XX/2019 under Experian. I filled a dispute in XX/XX/XXXX to Identify the issue. Experian reported that the dispute had been completed, however, the report shows that it was now a charge off. Again, I attempted a dispute to Experian, but it would not process showing that there was already an open dispute. This was confusing. I called Experian directly to address the issue. The man started a new dispute XX/XX/19. The issue has been furthered, as today, XX/XX/19, Experian shows an alert for an unpaid account. When open it shows that the account was ND for XX/XX/XXXX, FP for XX/XX/2019, and in another summary view shows it was charged off again. Non e of this information is accurate. I can provide a receipt of every payment made, including the receipt showing that the account was paid in full.

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 2019-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I found a state of Florida funded program that claimed to not charge for a 3 momth program of XXXX  ( XXXX ) treatment. I was accepted into said state funded program. I had XXXX XXXX XXXX, recognized by the admitting nurse at the facility. Instead of deferring admission, the nurse called an EMT. I was under the impression one program was responsible for the other, so I did not contest the nurse 's discretion then and there. Ultimately, I was sent via ambulance to another facility and am being invoiced {$300.00} for treatment that costs {$5.00}. I am being invoiced $ XXXX for an ambulance ride when an XXXX would cost {$10.00}. A cab might cost {$20.00}. I would attempt to resolve this with said facilities but, ultimately, these specific institutions have violated the original terms of my agreement with them and they have lost my trust. This went to a factor, acting to collect in approximately 60 days. I was still in the program and not gainfully employed nor was I making advancements in monitoring paperwork. Not only have these institutions violated my trust, they have grossly mishandled the involved parties ' finances. Why would anybody call an ambulance when a person is not in need of an ambulance? Because it doesn't matter if the program isn't footing the bill? Because if it's not part of the government purchase order, " caveat emptor ''? I was cheated, swindled, and am the XXXX of this bureaucratic joke. I am shocked and appalled by these shenanigans. If any were to review my admitting documents, they would concede my legal consent for these services was not given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I ordered a secured credit card through Capital one. I never recieved it so I called and told them I never recieved my card. They asked for my information, including address which they said was correct. They cancelled that card and sent a new one. Again, it never came. After my third attempt ( a month later ) and them verifying my address, I found out they've been sending it to the wrong address. I cancelled my business with them and asked for a refund. They said I'll be receiving X amount of dollars in 7-10 days. I waited 12 days and it never came. They cancelled the check and issued a new one. I waited 15 days for the second check before I called. I called twice yesterday and they hung up on me twice. I feel like I've been dealing with a fake company and now I'm worried about all my information falling into the wrong hands and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX is tring to add negative item to my acctXXXX 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 2019-08-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Extremely UNETHICAL practices by Bank of America associates.

I went for safe box access and and the bank staff gave me a pitch for changing my bank account types for getting more interest. I inquired multiples times for any extra fees/ monthly maintenance and nothing was disclosed!

Now, today I saw an alert for my balance falling below a threshold limit despite having no transactions/activity done in last 8 months or so. I check my online account closely and a monthly maintenance fee is silently deducted from all 3 accounts from last 4 months. I had one savings account from last 11 years and never had to pay any kind of unnecessary fee despite a low balance.

I called phone rep and asked for all the refunds as these fees were never disclosed despite asking to the bank staff. The associate only refunded XXXX $ of XXXX $ fee deducted and closed all my 3 accounts saying he can not go back more than 2 months!

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 2019-08-24 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Factual Data XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I have contact equifax numerous times about these inquires. I have submitted in writing and verbally call. This is fraud please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I paid this account monthly, and I was never late. I have not charged anything to this years. I have been paying it down in order to close it out. The company closed the account which led to my credit score dropping tremendously. I called and inquired as to why they closed the account and I was told that it was because my debt to other companies was too high. My credit report will confirm that I have had an excellent payment history. During the Government shut down I missed a payment to another company which caused me to have one missed payment on my record for 34 years with this company. This had nothing to do with Barclay. I have no problems with Barclay closing the account. However it was closed in such a way that it negatively impacted my credit score.

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 2019-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I mailed Portfolio Recovery Associates, LLC a letter requesting debt validation in XX/XX/2019. In that letter I requested that the company send me original contracts and complete billing history. The company failed to validate the debt and mailed me a photo copy of one billing statement. This does not prove this debt is mine. The company also filed a civil suit after not validating my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
This company ( that never stated their name directly I only found it through my XXXX app ), initially contacted me on XX/XX/2019 about a debt owed to XXXX XXXX XXXX XXXX. After explaining the extenuating circumstances and that I wasn't able to pay the amount they demanded and asked for them to cease contact, they began to harass me for phone numbers of my spouse and family members to get the debt paid. I refused to give them any information and hung up on them when they began yelling at me. They have continuously called me every day since then despite my asking them to stop.

Company response to consumer: Closed with explanation