vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received the attached two letters from Capital One for two different accounts. The letter simply states " Our Research found no signs of fraud ''. If the CEO received these letters, do you think he would want an explanation? Especially after the cards were adjusted 9 months after Capital One closed the cards and the cards were adjusted two months after the cards were charged off. Wouldn't anyone want an explanation and details instead of " Our Research found no signs of fraud ''. There had to be research if they removed the charges months after closing the accounts and months after charging the cards off. My cards were unknowingly stolen, used, and the fraud payments made to exceed the credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
In XXXX, XXXX I received a collection for 1200 something dollars so i began to dispute it. Next time i checked my credit report it was gone, but XX/XX/XXXX the collection reappeared. I contacted to original creditor that was listed on my report and was told they couldn't help me, that i needed to contact the collection agency. I continued to do so and recieved very unprofessional rude service. The account they reopened has a amount of XXXX XXXX When i spoke to them they claimed i owed pennfoster, i was confused because it was a pay as you go course cancel anytime which i did. They only required you pay in full once completed in order to recieve your diploma, which i never recieved because i never completed it and canceled. For one the course was XXXX $ so i don't know why their claiming XXXX XXXX I never signed any paperwork for said course, it was only required upon completion for the diploma. This was not a loan. I never recieved anything from these people. They admitted to me they open multiple accounts for this same debt. I just sent out a validation/verification letter to the agency on the XXXX of this month. If you could please assist me it would be much appreciated!! Thank you for your time!

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 2020-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Advance America, Cash Advance Centers, Inc.
State: PA

Complaint narrative:
Advance America has received notices from me to stop contacting them through here once or more than through my debt consolidation company, they need to stop with these threats!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A company called Portfolio Recovery Assistance has been calling me every day for the past six months or more regarding a debt they acquired from another shady debt collector. 

This company calls me several times a day throughout the day from multiple numbers from different states below you will find a a list of numbers that I was able to collect recently. I have asked that they please stop calling, but they refuse to do so. 

XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your assistance with this matter would be greatly appreciated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
Had a line of credit for {$1700.00}. Took out {$1700.00} in XXXX. Total fees due in XXXX are close to {$700.00}, none of which go towards the principal. All fees and interest. I asked for assistance in settling and was only offered an arrangement to pay what I can and keep calling back on the due dates to make arrangements ... but I will continue to be slapped with fees and 360 % interest rate!! Simply put I will never be able to pay this off. I have no problem paying back the money I borrowed but to pay $ XXXX {$1000.00} a month at this rate, I will never be able to payoff and will fall further in debt. This is one of the worst decisions I ever made out of desperation. Consumers beware and stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash app didnt refund my money after someone hack my account and stole my money and send it to there account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
contacted credit bureaus in XX/XX/2019 because I was denied a bank account with XXXX XXXXXXXX XXXX XXXX. The bank told me that my birthday was wrong -- XXXX. I was born in XXXX. I faxed a letter and a copy of my STATE ID, SOCIAL SECURITY CARD and no response and no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
US Department of Education is incorrectly adding information to my credit reports. It states on my credit reports that my accounts are discharged when in fact theyre not. I sent them letters to the two addresses that were provided on the document they sent me letting them know of the paid in full letter. The letters were send back to me from the post office stating undeliverable on both addresses. This is fraudulent and these accounts needs to be deleted immediately.

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 2020-10-26 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: AZ

Complaint narrative:
US Department of Education is incorrectly adding information to my credit reports. It states on my credit reports that my accounts are discharged when in fact theyre not. I sent them letters to the two addresses that were provided on the document they sent me letting them know of the paid in full letter. The letters were send back to me from the post office stating undeliverable on both addresses. This is fraudulent and these accounts needs to be deleted immediately.

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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I received a SBA Economic Injury Disaster Loan despoit in the amount of {$18000.00} on XX/XX/2020. On XX/XX/2020 Citibank froze my personal bank account stating that my loan was fraudulent because it was a personal account not a business account. Since Im a XXXX XXXXXXXX I was not aware that I needed a business account. I was also told that my account would be closed and any due will be returned in the form of a check within 60 days. Citibank has not returned thr funds or released any funds and it has over 60 days. They also are refusing to communicate with me on the phone as well as in the branch. 
I also contacted the department of treasury about this issue and they have confirmed that money has not been returned to them and they illegally hold my funds that Im entitled to.

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 2020-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I applied for a Rise payday loan, the interest is way over 100 % and I can not seem to pay this off. I've contacted the company and asked for covid relief several times they deferred payments during covid. However started up again on the wrong date. Another payment was taken and I called back on XX/XX/XXXX to tell them to change back to correct dates which are always fridays and I still needed covid relief/deferred payments. At that point i did not receive anymore payment emails as before. I thought I was under this relief deferral program until i called back today XX/XX/XXXX. I was told the account was in collections 25 days past due and the reason i had not gotten any emails/calls is because someone put my account in cease and assist. However they could not tell me who did this or why they had this noted on the account and advised me they did not know where it came from. I asked if I can qualify to defer the account or just payoff ( told no ) or if I could attempt to just pay off with and additional {$1000.00}. I was told no and i needed to keep make payments by this friday XX/XX/XXXX or they would start reporting negativity to the credit bureaus after 30 days. I live in California and is this even legal to charge this much interest and report negatively to the credit bureaus. I would like this company looked into.. because they do not seem legitimate to charge such outrageous interest. I borrowed {$2600.00}, paid back {$2500.00} ( 11 payments of {$220.00} ). My balance is still showing {$3900.00}. Honestly I don't even know the real interest rate. In California not sure what loop hole these people or using to get away with this. I paid this company every other week on time until the furlough and tried to work with them. My account is in this negative status ( collections ) do to they're customer service representative mistakes, not me. I was unaware because no contact was made to me. The supervisor XXXX told me all he could do is remove the cease and assist because they did not know where it came from on XX/XX/XXXX. However it was a mistake on their end with the customer service rep who advised me on XX/XX/XXXX my account was going to be in the deferral status if I made one payment. Which I did so. I've learned today it's not and they tried to submit a payment on the wrong date again which was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I mailed in a copy my dispute letter to transunion on XXXX. It has been over 30 day and I have not gotten a response. I have Uploaded A copy of the letter and a copy of my driver 's licence and A utility

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 2020-10-26 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: GA

Complaint narrative:
I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called XXXX XXXX they said it was never processed completely. XXXX XXXX reported me 3 months past due!!!! 

I've disputed with the credit bureaus and XXXX XXXX and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a loan through Chase for a XXXX XXXX XXXX XXXX. The car was purchased on XX/XX/XXXX. The amount due monthly is {$740.00}. Each month since the beginning of he loan I have been paying {$770.00}. Unfortunately for me, I just noticed on the statement they were applying the extra {$25.00} to interest. It says right on the bill overpymts will be applied toward principal. When I called on XX/XX/XXXX and spoke to XXXX she explained to me that Chase has no way of applying overpayments to principal when you don't use Chase bank to make the payment and they would reverse it. She also told me my XX/XX/XXXX payment was only {$650.00} but that doesn't coincide with my bank statement. I called back today XX/XX/XXXX ( because only 4 of the payments were reversed ) and spoke to XXXX and asked for a supervisor. I was transferred to XXXX ( still not a supervisor ) then I got XXXX. XXXX explained to me they have no way of reversing payments over 6 months and they fixed it by applying extra to the principal. What doesn't add up is if they fixed all the payments, why is my principal as of today the same as it was on the XX/XX/XXXX statement? 
I would like 100 % of my overpayments refunded with interest and definitely want others to be aware of the deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 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: CA

Complaint narrative:
Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
We obtained financing for our apartment, which is a unit in a cooperative building in NY, back in XXXX of XXXX and closed. Ultimately, the debt was sold off to another lender, then to another, before finally being sold again to XXXX ( with our loan being serviced by LoanCare , LLC ). By the middle of XXXX, we had paid off our mortgage in full. At this point, we had tried to obtain a home equity line of credit and discovered that we could not without having the original stock and lease certificate in our possession. 
The original stock and lease certificate is unique to cooperative buildings and serves to provide the holder with the right to live in the unit. Without the original, the building can not authorize the sale of the unit. This was held as collateral by the lender at our closing and should have been released to us upon our payoff of the mortgage. We've had requests in for LoanCare and XXXX to provide us with our original stock and lease certificate for over a year now and have called repeatedly and frequently to get updates, reinitiate request tickets, and have just been given copies ( which are useless to us ). LoanCare and XXXX appear to have no idea of how a cooperative building works and never seem to understand why we need the originals. In recent months, they tell us they understand what we need exactly and continue to provide us with copies. At this point, it is clear to us that they do not have the original document and should be providing us with an affidavit of lost stock certificate to provide to our cooperative building so that they can issue a new one to us. However, they refuse to do so.

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 2020-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a US Bank Visa Debit Card from a company called Relicard. The problem is I didn't order this card nor do I want. I have been waiting for over 2 hours to speak to a representative and have had to call back twice because I keep getting disconnected. They keep asking for my social security and date of birth which I won't provide. This is from US Bank and it makes me wonder if the company is accepting and/or processing fraudulent claims using my information. I was just told that there are 389 people in front of me and my hold time is now 2.75 hours. This company needs to be fined and/or shut down. I now have to waste an entire afternoon from work to deal with this issue.

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 2020-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
This is a second complaint I am filing about Dovenmuehle Mortgage Company. Previous complaints # XXXX. 
Instead of clearing the problem they created they have now sold my mortgage to another company. The XXXX XXXX  XXXX is issuing an refund to Dovenmuehle for taxes that they paid after I already did. 
I am still paying Dovenmuehle & now the new mortgage company XXXX XXXX over $ 3200 monthly till the payment is received from the XXXX XXXX XXXXXXXX to Dovenmuehle. Who will send to new mortgage company. It now becomes the new mortgage companys problem according to my last communications with Dovenmeuhle. I received mortgage transfer notice on XX/XX/XXXX which states XX/XX/XXXX is the transfer to XXXX XXXX. 
I have asked multiple times to remove escrow account which the mortgage never had. This is causing my monthly payment to over {$2200.00} extra these last 3 months. I then have to get my refund from the new company I was told today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We rented a property listed in XXXX. A XXXX reached out to us and approved our rental application. He requested I make a security deposit FOR A TOTAL OF {$2400.00} to an account at Bank of America with account number ending in XXXX of a Ms XXXX XXXX of which I did, in addition I sent another payment via XXXX to an account with the name : XXXX XXXX at XXXX in the amount of {$300.00} for utilities & maintenance. I requested the keys and they wanted {$500.00} more, to be deposited I found it suspect so I went to the home, and there was a sign for an invitation to lease the property from XXXX, so I called XXXX and asked why the house was still available when we currently held a lease for this property and we had paid {$2400.00}. Ms XXXX from XXXX told me I had been scammed and that I should file a police report immediately, which I did at XXXX, Fl police department. The officer told me to also notified Bank of America of the fraud. So I went personally to the bank, but they told me there is nothing they can do. I feel Bank of America is aiding and abetting their customer who is currently fraudulently using their institution as an instrument to steal from senior citizens.

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 2020-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I am submitting this complaint because DESIGNED RECEIVABLE SOLUTIONS, INC has damaged my financial emotional life. They have been being negligent with their report. The accounts involved is the followings : Account number 1 : XXXX Date Opened : XX/XX/2019 Original Balance : {$220.00} Account number 2 : XXXX Date Opened : XX/XX/2019 Original Balance : {$75.00} I am demanding the item completely removed from my reports. My demand is based on the following actions by this company Re-aging account., Unfair business practices., Negligence., Failure to provide customer adequate customer service., Violation of CCRA., inconsistent report across bureaus., Failed to mail adverse notices., emotional stress, credit score drop, etc. 

Please send the attached documents to the company. 

Thank you.

Company response to consumer: Closed with explanation