vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I applied for a new Capital one card and was approved. It had a promotion that if approved and it was either {$2500.00} or {$3000.00} that had to be charged within 90 days of account opening to be awarded XXXX pts to the Venture card. I spent beyond those amounts in 90 days and have not received my award XXXX award points. I called right before XXXX and the customer service rep from Capital One did the math while on the phone and saw I had met the minimum purchase qualifications and the time to award the points had past. She supposedly escalated the matter and a supervisor needed to look at it before my points could be immediately awarded. I was told I would be called by a supervisor in 4 days and my points would be awarded in 7. I have heard nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: DC

Complaint narrative:
I switched from XXXX to XXXX XXXX XXXX in XXXX. Return the phones back and pay the remaining bill on XX/XX/2021. On my account it states that it is paid off however they are still harassing me about the {$670.00} that Ive been paid on XX/XX/2021. I provided so many proof that the account was paid on the XXXX  account portal it even states that it was paid. Due to this my credit score has dropped XXXX points and they are refusing to remove it from my credit report when I provided valid documentation that it was paid off XX/XX/2021.

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 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over 50 fraudulent inquiries in 3 days I have disputed over 5 times and credit report still aiding fraud against me by not removing fraudulent inquiries off my credit report. 
Also, I used a new credit card and in 1 day it was reported maximum use before I could even pay before due date which was over 20 days I had to pay. all other credit reporting has corrected the fraudulent inquiries but " XXXX. '' " TransUnion '' put maximum use of new credit card use 1 day after use but has not corrected card is paid in full. Due day has not come or is it legal to accept report 1 day after use.

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/21 I cashed a checked from the XXXX XXXX XXXX XXXX, Tx XXXX doing business at XXXX. Check was for {$390.00} and from an account associated with XXXX  XXXX XXXX. During the check cashing process the associate XXXX ( XXXX ) informed me I had an account in within the company, XXXX. I informed her I closed the account. She offered to reopen and proceeded to issue me a new debit card even after I denied it. I informed her to update my information in the system, email from XXXX to XXXX and to update license information. She stated updating license information was unnecessary and did not ask for identification either. Again, I asked her not to reopen the account or issue a debit card and she proceeded to do so. Furthermore, I was charged a fee when I was originally told the fee would be waived. 

The mentioned " XXXX '' also left identifiable information in public view and proceeded to assist another customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion credit bureaus customer service would not help and take care of the unauthorized inquiries reporting on my credit report. 
These are the listed fraudulent inquiries XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX / XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 2021-12-31 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being Wells Fargo 's XXXX  " 30 days late '' reporting to my credit report from nearly 7 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!

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 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
MARINER FINANCE ; LOCATED AT : XXXX XXXX XXXX XXXX  XXXX, MD XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$5200.00}. THE CHARGE OFF HAS BEEN REPORTED CLOSED, WITH A PAST DUE BALANCE. I DO NOT OWE THIS DEBT. I HAVE NEVER OWED ANY OUTSTANDING DEBT WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE FOR THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I HAVE MY HOME MORTGAGE FINANCED WITH XXXX XXXX NON ESCROW ACCOUNT. I WAS PAYING MY TAXES EVERY YEAR PLUS MY HOME INSURANCE. 4 MONTHS AGO I FOUND OUT PHH MORTGAGE BOUGHT OUT MY LOAN. MY MONTHLY PAYMNET WITH XXXX MORTGAGE WAS {$1000.00}. PHH MORTGAGE CHANGED MY PAYMENTS TO {$2200.00} AND ADDED ESCROW WITHOUT INFORMING ME EVEN THE TAXES & HOME INSURANCE BEEN PAID MY ME LAST YEAR, EVEN THIS YEAR. MY LOAN NUMBER IS XXXX. I CALLED PHH MORTGAGE SEVERAL TIMES AND BEEN TALKING TO THEM ALMOST 3 MONTHS NOW BUT NOTHING HAS BEEN FIXED. I NEED SERIOUS HELP. IF NOT FIXED I AM GON NA GO LEGAL WAY AND SUE THEM. ATTACHED IS THE COPY OF TAXES PAID LAST YEAR AND THIS YEAR. 
I AM FILING MY COMPLAINT THIRD TIME ON THIS SITE NOTHING IS RESOLVED YET. PHH ROBBERS CALL ME AND TELL ME A NEW STORY EVERY SIGLE TIME, NOTHING HAS BEEN DONE, STILL NO SOLUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have written to Equifax, XXXX and XXXX regarding their practices regarding my FICO score calculation on several occasions disputing the decreasing of my FICO score resulting from inquiry requests when I have placed a freeze on my credit file preventing any activity that would impact my FICO score. I was told as long as I have a freeze on my credit file NO ONE would be able to see my report and my FICO score wouldnt be impacted. My FICO score has decreased for the past year without explanation other than inquiry requests that were blocked by my credit file being frozen. Equifax, XXXX and XXXX has either refused to respond with a legal explanation for the decreasing of my FICO score. Equifax, XXXX and XXXX is illegally decreasing my FICO preventing me from becoming a homeowner for 3 years now. I am asking the Consumer Financial Protection Bureau to investigate Equifax, XXXX and XXXX practices of calculating my FICO score. Thank you in advance for all of your assistance regarding this matter. I have attached my credit report reflecting my FICO score for the year of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX  ancient " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!

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 2021-12-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being XXXX XXXXXXXX XXXX XXXX " 30 days late '' reporting to my credit report from nearly 4 and 6 years ago! I thought late payments only stayed on reports for up to 2 years? This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: NJ

Complaint narrative:
NELSON CRUZ & ASSOCIATES ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America used highly misleading wording on both its website and its terms and conditions, which duped me into inadvertently doing a cash advance when I was trying to do a balance transfer. As a result, I was charged exorbitant interest after I was led to believe the transaction would be interest-free. 

I opened a credit card with promotional APR of 0 % on purchases and balance transfers. In XX/XX/2021, I transferred a balance of XXXX. Based on the terms of my credit card, I understood this transfer to be interest-free, with only a 3 % fee. 

I was very careful to avoid doing a " cash advance '', since I know that cash advances are not subject to intro APR. I specifically sought out the balance transfer option, and based on promotional materials I understood that a balance could be transferred to my checking account under the above terms, with 0 % promotional APR. However, the bank processed my balance transfer as a " Direct Deposit Cash Advance '', even though the website led me to understand it was NOT a cash advance. 

The terms and conditions listed only 3 interest categories : Purchases ( 0 % intro APR ), Balance Transfers ( 0 % into APR ), and Cash Advances ( high APR, no intro rate ). 

Attached is a screen shot of the screen where I was asked if I wanted to do a Cash Advance. The screen has a warning in bold that a cash advance would incur interest. I DIDN'T choose that option, and instead, selected the alternative option. Based on the text I saw, any reasonable person would conclude that I was not doing a cash advance and would not incur interest.

I just discovered that the {$10000.00} I transferred was actually processed as a cash advance and I've been charged over {$1300.00} in interest on it to date. I believe these charges are fraudulent because I was misled by the website 's wording, and I believe the website was designed to mislead in this way. 

Screen shot of statement also attached, showing interest charges.

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 2021-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
On XX/XX/2021 I attempted to make a payment for my loan on my house. It was late, but within 30 days and so I should have been in the clear to make a payment. 

Logging onto MyLoanCare 's online payment portal, the system refused to accept my payment stating to call customer service. I called customer service and attempted to make a payment via the phone system, which also had an error and refused to accept my payment. It then redirected me to a live human representative, who I asked to make a payment with. The individual put me on hold for over 30 minutes before the system redirected me to another customer service representative.

This next CSR put me on hold again for 5 minutes after stating there was a " stop '' on my account so that they could " recalculate principal balances '' preventing me from making a payment. She said she would need to speak to a supervisor to attempt to remove this stop to allow me to make a payment. After returning from the hold, she stated she was able to remove the " stop '' and that I should try the online system again in 20 minutes.

This was already late in the day and so when I attempted 20 minutes later, the system did not accept my payment. I attempted again some minutes later and was locked out. 

Calling the automated phone system later in the evening did not work as well. I was unable to dedicated another 30 minutes+ to waiting on hold as my 3 year old child needed dinner and to be put to bed.

Attempting to use the online system later, they now are reporting it as " 30 or more days late '' and I suspect will report to the credit union. I believe Loancare and the mortgage company behind it is attempting to force a 30day late to prevent a refinance to my employer XXXXXXXX XXXX or for other unscupulous reasons.

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 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Complaint : Paypal wreaks havoc on my bank account without authorization by mishandling XXXX transaction. 

The problem that I am addressing is a recurring problem perpetrated by Paypal. 

On XX/XX/21 I made six XXXX purchases directed to my Paypal Credit account. ( in which I am always conscientious in maintaining great standing on all my credit cards ). However Paypal opted to utilize my bank account, of which I intentionally maintained a zero balance. Why would I select that method when I know it would hurt me financially. I'm on Social Security. Well they ran those six purchases through my bank. I received six overdraft penalties : {$33.00} each ( {$190.00} ), and purchase of {$150.00} for a total of {$350.00}. This has also occurred before by Paypal a few months ago. Fortunately it didn't cost me anything.

Upon discovering the issues with my bank I sent four emails to XXXX XXXX ( CEO ) XXXX, XXXX, XXXX & XXXX. I have received no response. 

I only want the amount of {$350.00} paid to my bank and an assurance this won't happen again. 
Thank you, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
It looks like someone hacked my cellphone and logged into my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. I immediately reported to the customer service on same day around XXXX but he told me to leave a message to claim department because the claim department is closed. So I left a message and called early morning in next day and made a claim on XX/XX/2021. I received first responds around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided police report and federal Identity Theft report to show my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. Even though their IP record shows that someone logged in from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never used, they still don't take my case as a fraud. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question.

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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$390.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: CA

Complaint narrative:
I have disputed illegal inquiries on my Equifax report and received a response dated XX/XX/21 that all of them were verified. None of the inquires included proof of their validity. Furthermore, I have attached letters from the companies XXXX XXXX, XXXX and XXXX XXXX stating that their inquiries will be removed, but Equifax sent me results with completely different information than what was given to me by the actual companies. This is another issue of Equifax not truly investigating my request and just sending me an automated response without looking into my issue. I have three seperate inquiries from one company whom I have never heard of before, XXXXXXXX XXXX XXXX. I am curious to see what information was received from the company verifying these inquiries which I have never been provided. XXXX XXXX has stated that they do not put inquires on accounts, yet one is on my Equifax acct on behalf of this same XXXX company. I have attached Equifax 's results also. I am still disputing with XXXX XXXX XXXXXXXX, as I have yet to receive actual verification that this inquiry is mine from the company nor Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA LOCATED AT: XXXX XXXX XXXX XXXX, MA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF XXXX. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc.
State: NJ

Complaint narrative:
AMERICAN COLLECTIONS E ; LOCATED AT:XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$560.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
GM Financial declined payment assistance during Covid-19 pandemic. Predicated any assistance on the payment of a predatory {$89.00} fee. This has caused 4 late payments to show up on my account. They also charged fees for payment assistance during other federal natural disasters. Additionally, what makes matters more frustrating, is that their website was down for payments on multiple occasions. This caused a 30-day late to become a 60-day late for XX/XX/2020. I believe this was done intentionally to cause additional late fees.

Company response to consumer: Closed with explanation