vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This was first deleted in XXXX for not being my account. Then it re-appeared and PENN CREDIT CALLED ME ABOUT a supposed XXXX XXXX XXXX XX/XX/XXXX old electric bill. I have lived in Florida for 5 years and this is not only not my bill but worse? 
They NOW put it down as NEW 30 days past due & a NEW LATE PAYMENT MISSED! 
This destroyed My score since it was a 5 year old collection now as THREATENED IF NOT PAID WAS Reported as a NEW RECENTLY UNPAID BILL. 
Please DELETE THIS EITHER IN ENTIRELY OR IF YOU CAN NOT THEN THEY MUST SHOW THIS AS UNPAID AS OF XX/XX/XXXX THE LAST MONTH I LIVED IN NJ? WHICH IT IS NOT RIGHT EITHER. AT LEAST IT WILL NOT HURT MY SCORE AS THIS FRAUDULENT THREAT WAS CARRIED OUT TO MIS REPORT AS A NEW MISSED PAYMENT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fidelity Properties Inc.
State: GA

Complaint narrative:
I informed them that debt was already paid to the original company. They have yet to removed me from their records. Trying to continue to received payment for something i do not owe them is a fraudulent account on their part, and its is older than XXXX last year. Want them removed from my credit. please. I have contacted them several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Dear CFPB i have owed this company consumer portolio sinceXX/XX/XXXX. the balance never seem too cease. XX/XX/2020 my car was hit sitting at a traffic light, according to XXXX my insurance co the car was considered a total loss because the air bags ejected. the loss amount of XXXX was paid too consumer portfolio. this company never called me to discuss my other options, except continue to pay and they considered my account in the rears even though payments was made in XXXX. it was said to me on XX/XX/2020 when i called that the payment did not come from me so my account is considered late and more late fees has been added to the account. i was so upset because the black balled my name with the credit bureau 's. i can not get another car even if i want too. plus with the virus out here killing people, i have not been able too work since XX/XX/XXXX, my workplace was force too shutdown. so now i have no car and can not get one. please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Credit Card placed {$1500.00} on my Credit Card which had {$800.00} limit with {$700.00} already on it by XXXX XXXX. I told them XXXX had no right to bill me due to a contract with my car insurance. Capital One Sent me bills with this amount and asked for interest and everything be paid over the limit vs asking for just the payment due with a min of {$25.00}. Capital One shockingly had to remove the disputed charge but 4 months later. 
I attached the original bill stating min was NOT {$22.00} as Capital One reported and gives as reason why they repotred me late 120 days? 
THIS IS IN BLACK AND WHITE & SO IS REASON WHY I WAS LEFT AS 120 days late? 
REASON FOR DELETE IS SIMPLE? 
WRONG MINIMUM AMOUNT REPORTED. 
WAS > {$450.00} min vs {$22.00}? & I CAN NOT BE EXPECTED TO REPAY A DISPUTED CHARGE ESPECIALLY SINCE I PROVED RIGHT! 
SEE MY INITIAL BILLS AND SEE THE {$22.00} min they claimed to as why they did not delete after I won dis [ pute. They say I should have paid the {$22.00}? I FOUGHT THEM ON THAT THE ENTIRE TIME?? > IT WRONG AMOUNT SO DELETE IS REQUIRED ANYWAY??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
It appears BOA has closed my account ( s ) which were recently opened, I attempted to sign in today, XXXX, an error message stated my info was not recognized, an attempt to sign in made via mobile app and was given the number, XXXX to call ... I called and no reps were available, no hours of operation were left.. I suspect BOA closed my accounts due to past relationship, I had several past accounts with BOA, last one closed in 2009 I believe.. Since I was not able to speak with any rep ( s ) to confirm this, I can only suspect they elected to close account due to past history.. If that is the case, I will need a check for remaining funds in account, a total of {$5.00}

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 2020-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I called TD bank to tell them that Im in the XXXX XXXX regarding The coronavirus. I asked for a supervisor to give me a call on my cell phone nobody. I was harassed by XXXX ID number XXXX. He called on Tuesday, XX/XX/XXXX. I talk to an agent on Friday she told me a supervisor call me within XXXX to XXXX  hours on my cell phone. TD Bank is the worst bank incompetent people. Im on the front lines dealing with this virus and Im being harassed by then they do not care about whats going on in this country in the front line people that are in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but XXXX  shows no credit limit ( {$0.00} ) While Equifax shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off  Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ 1debt would be EQUAL the negativity weight as a XXXX XXXX  ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a XXXX XXXX  would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: VA

Complaint narrative:
I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but Experian shows no credit limit ( {$0.00} ) While XXXX  shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?

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 2020-04-07 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Approximately two weeks ago, after my spouse left I discovered that a Chase account was opened by my spouse, in my name. I immediately called Chase to report the situation as well as report the card in my name was missing. My spouse had named himself as an authorized user on the account. It took over two hours before I was able to speak with a customer service representative. At that time, I also requested that any online access for the account to be reset. Due to that request, I was passed around from representative to representative for almost three additional hours before I was disconnected. 

I have tried to reset the account myself online, but the phone number and email address listed as security verification for the account have not been valid since 2010. Therefore, I can not access the account online. I have since called Chase four times trying to get this issue resolved. I have been passed along from representative to representative, held for multiple hours, been told that it could not be done, and then disconnected each and every time. 

I am trying to simply gain access to the account in my name and on my credit report, but can not get assistance from Chase customer service representatives. Can you please have my online access deleted so I can start fresh with the correct email address and cell phone number so I can get statements and figure out what is going on with this account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UBS BANK USA
State: FL

Complaint narrative:
After doing research and speaking with colleagues, I decided to open an account with UBS Bank USA. I am aware they are a wealth management entity, but they advertise a product called RMA ( Resource Management Account ), with a fee of {$170.00} per year which can be waved in a number of ways. This seems to be their equivalent of bank management, together with investments, if the client so chooses. They do not require a minimum deposit to open. However, it seems the only way to open an account is in person, through one of their Financial Advisors in person. After contacting my local offices, each office was very shady and each office set their own rules, minimum deposits and conditions. One office was finally able to confirm the account fees and how to wave them ( the omitted the direct deposit option, which exists ), but then stated nobody was available to assist me with opening an account. This was the email : " Thank you for your interest in an Resource Management Account. Our primary services are investment management. Banking services are a compliment. The annual RMA account fee is {$170.00}. Waivers are provided to those who keep a balance of XXXX XXXX, make a deposit of {$250000.00}, or have the Infinite Visa card ( {$490.00} annual fee ). 

Please let me know if you have any additional questions. '' It seems this bank employs shady tactics similar how car dealers operate, and each branch seems to be acting in their own arbitrary way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. I have requested for XXXX to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that Emoneyusa Holdings LLc does not belong to me and therefore should be moved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 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: NC

Complaint narrative:
I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Over the last year I have made several calls into Sallie Mae regarding their website not reflecting the correct payment amounts. The application did not match the website and therefore caused a discrepancy in amounts owed and I was constantly falling behind due to same. I started calling in XXXX to inquired about payment modifications as I was no longer in deferment starting in XXXX, knowing I could not afford the amount I would be asked to pay come XXXX. I was instructed to wait until XXXX. I called in XXXX and accepted the program with the lowest payment I could get. At this time I inquired about what to do if I can not afford. The representative instructed me to miss a payment, call back and they will be able to offer me alternative options. So yet again I followed the instructions and was told in my next call there was nothing they could do and thats the lowest payment I could get and was instructed to borrow money from family. From XXXX to XXXX I called countless time regarding payment modification. Finally in the end of XXXX I was granted same which at that time I asked to speak to a supervisor because it shouldnt take 4 months of back and forth stressing about not being able to make payments. A supervisor told me loan modification is a last resort and they do not recommend unless absolutely necessary. To which I stated it was necessary and expressed my concerns over several calls and was instructed to borrow money from family to pay the loans. Needless to say they eventually started me in the loan modification for 4 out of 5 loans. In order to due so I needed to make my account current in XXXX. In XXXX I had balance due of {$190.00} when I shouldve only been responsible for my one loan not included in the loan modification as it is set up on autopay. So I paid and called on XX/XX/26 at which time I was told I over paid. Today my co-signer called me saying Sallie Mae called asking for payment. My co-signer is on the loans that are in the modification which were paid the full amount of {$300.00} and change on XXXX. Again it shows I have a balance due on 2 of my loans in modification which are on autopay and were paid in full. Every single month I am calling this company to fix payments. I have banking experience of 7+ years and I can not figure out this discrepancy as I bring it current over the phone every month. This is needs to stop and I need support resolving it has been extremely detrimental to my mental health and causing me severe XXXX and stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: FL

Complaint narrative:
Account was paid in full in XXXX. I received a phone call from XXXX XXXX XXXX saying I was behind on payments. I advised them the amount was paid in full already. When They asked for proof I advised them the bank account I had when I was paying is no longer open. I also advised that the account had been closed for two years and I could not get documentation. She said, OK, I will remove the account and hung up. I noticed on my credit report yesterday, XX/XX/XXXX, that it was sent to collections for over the full amount to Prince Parker and Assoca saying the account was opened in XX/XX/XXXX which is not correct. When I contacted them, they advised me I owed {$2000.00}. When I told them my bill was already paid they became very aggressive and threatened a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
USAA credit started applying late fees to my credit card ending in XXXX despite me calling and requesting them to examine my XXXX  balance account! They kept adding a late fee every month despite my calls and emails. I would respectfully request assistance to repair this minor issue that they did not explore. They have now referred the issue to collections, a fee I do not owe. Hope you can help? Thanks XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Again, this bank continues to charge overdraft fees and extended over draft fees in light of the global crisis. We have no money! And the banks continue to profit off of our misfortune I was charged an overdraft fee AND an extended overdraft fee both for {$36.00}

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 2020-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UBS BANK USA
State: FL

Complaint narrative:
I started by contacting UBS Bank  in XXXX since I became interested in their banking products. One of those products was their UBS Visa  Infinite card. It seemed that the only way to apply was to call their customer service number. When I did, they explained they'd take down my information, and a paper form would be mailed to me. Seemed surprising to me in this day and age but I understood. I received the application a few days after, completed it and sent it XXXX with signature confirmation. This was received at the beginning of XXXX. Since the form has all my private information, and I was required to send it to them, I called multiple times after it was received for a status update. The customer service representatives were very professional, but nobody knew what had happened and they could not locate my application. Two of the persons I spoke with gave me a case number and promised to call me within 3 days, they never did. To make the story short, I completed and sent with signature confirmation 2 more applications. UBS Bank is in possession of 3 applications from me, but nobody can tell me what's going on. I thought maybe they were closed or working reduced hours because of the current crisis which is understandable, but somebody keeps receiving packages and signing for them. And the customer service representatives insist they are fully open.

Company response to consumer: Closed with explanation