vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI was included in my dispute letters sent to the credit bureaus on XX/XX/XXXX. In my most recent letter on XX/XX/XXXX, I requested the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

It is now XX/XX/XXXX, and I have not received any validation as I requested above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: PA

Complaint narrative:
there are too many dates to list but i have on multiple occasions contacted XXXX reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet XXXX seems to willfully non comply

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: PA

Complaint narrative:
there are too many dates to list but i have on multiple occasions contacted XXXX  reguarding information on my credit report. i have sent them this exact letter " letter below '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA. XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 



" END LETTER '' underneath that i included all accounts i wanted verified and on a second page of the letter photo copied my drivers license and social security card on it it and had it notarized and sent two copies. one regular and one certified. 
i sent this letter more then 10 times to which they would reply later then 30 days and there reply would only be a copy of my credit report, when i would call on the phone i would get no support they would say all accounts were verified and provide me with no additional information, i requested to know verified by who, by what means, i asked for a copy of the contract, and asked to see validation setforth by the federal guidelines. 
i have sent requests to remove old personal information aswell to which this bureau is in no way shape or form in compliance to my demands or requests. now i have reviewed the fcra and the fdcpa and the laws are extremely clear, yet transunion seems to willfully non comply

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 2019-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN

Complaint narrative:
I purchased a vehicle and was financed by XXXX XXXX XXXX. About 3 months into the loan I was in an accident which resulted in the vehicle being totaled. 
When I got the loan I paid extra for certain services if something happened later on, one being I I lost my job, they would cover up to 6 months of payments. 
After the accident my insurance paid out enough to cover it all except for {$700.00}, but right after the accident I lost my job and was unable to continue to make the payments. They never called, or sent any letters for a year, then suddenly one day I get a bill for over {$2000.00}, from the remaining {$700.00} plus interest. When I tried talk to someone about it I was given the run around. I was sent to one department to the next, never getting any answers. I now have almost XXXX on my credit report for a vehicle I paid for. I had no issue paying the {$700.00}, had I known they didn't. But they didn't once call, email, or send a letter stating i owed a balance for over 12 months. In return my credit has dropped XXXX points, and I am in a position where I have no options except for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
I had received a letter in mail stating I had XXXX dollars in child support it gave me a phone number to call to receive a XXXX to get my money.I called the number told them I have it all arranged for my child support to be direct deposit into my bank account. They told me they could not do that only way to get my child support money was to apply for an XXXX a debit card .I asked them would I receive my child support in full? Were there any fees? They assured me I would receive the entire XXXX dollars and that there were no fees .I looked over the paper it also stated no fees only fees applied were to use ATM so I went ahead set up to receive my XXXX dollars in child support thru XXXX.Now I receive my XXXX and they took XXXX dollars I called numerous times to inquire on my XXXX dollars I was told at first that was all the child support I had.After many calls and arguments I was finally told they took my XXXX dollars for a replacement card when the paper I have clearly states no fee for replacement card and for expired cards I had with them in XX/XX/XXXX and XX/XX/XXXX.I asked to file a complaint the very rude and argumentative customer service rep on phone told me they do not take complaints.I asked to speak with a supervisor I was told he was as high up as they went there.I asked for his name and job title he told me he was the boss that ran things and he did not have to give out his name .He then told  me it was only XXXX dollars to get over it because it was gone and I would not be getting it back.XXXX dollars may not be alot to him if he is stealing XXXX here and there but to me it is alot I am a single mom who is XXXX and rarely receives child support. They should not be able to get away with stealing child support money I had a difficult time looking up an address for XXXX   I found that they are affiliated with XXXX XXXX  and found the address for thier corporate office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
We had a Mortgage company we had never heard of FCI and told us they were foreclosing on our house of 14 years we called and found out they had bought our second from a Company we believe had closed down in the Mortgage crisis 10 years ago. They told us they would remodify with a down payment. I told them I would be able to give them XXXX dollars at that time the said they would remodify loan down 1 percent to XXXX. My father got sick and I could only come up with XXXX so they told me they wouldn't bring interest rate down. I paid the XXXX and right after made a XXXX dollar payment. They also told me that if I didn't make payments through their Automatic payment site it would cost me XXXX. I feel this is a predatory lending Co that needs to be held accountable and the government needs to know what is going on. I had to sell my home because they wouldn't help with a better remodifocation.

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 2019-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a balance of {$3400.00} that was due on XX/XX/XXXX. I paid the entire balance of {$3400.00} on XX/XX/XXXX. Recd a bill today ( XX/XX/XXXX ) for {$33.00}, spoke to XXXX at Capital 1, who stated they charged me interest, even thou it was paid before the due date. Which I paid on the phone today with her a now total of {$33.00}? so they are charging me interest on interest? my balance was paid in full on XX/XX/XXXX? and she said I would get another bill on XX/XX/XXXX, there shouldn't be a balance? So I closed my account and paid it in full on XXXX XXXX, XXXX How can they still charge me interest? and it still accruing? I think they are over charging on the interest, when the account has been closed and no balance?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Today, XX/XX/19, I ordered some items on XXXX for a friend that totalled {$550.00}. Before I placed the order, I checked my XXXX Chase credit card limit, and I only had {$180.00} left, so I wasn't going to order until I could deposit some money and pay down my bill, but on the checkout page, there was an option to break the total amount into 18 equal payment of $ XXXX per month. So I checked the box and placed the order, expecting to see a charge of the first month 's amount. Instead, I was billed the full amount on my XXXX Chase credit card, which removed the last of my remaining credit, and caused me to exceed my credit limit. No doubt, I would have had penalties, but as soon as I saw the charge notification, I called Chase, who tranferred me to XXXX, and I cancelled the order. Chase then assured me that everything was corrected, and was back to the way it was previosly. ( We'll see ) When talking to the Chase person, she said that while they offered 18 months split up into equal, interest free payments, it actually was implemented as 18 months of an interest free loan - which is not the same thing at all. In fact, the person I was talking to at Chase said that she very recently took advantage of the same offer, only to find out that she too was billed for the full amount, to her surprise. 
Being able to pay in 18 installments is not the same as being charged the full amount interest free for 18 months. And how would that work? How would they separate this charge, at zero percent interest rate, from other charges? No doubt, they would find a way to profit from the 'no interest ' loan. 
They could have easily called it an 18 month interest free loan, but chose to make a misleading statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bepensa Capital, Inc.
State: NC

Complaint narrative:
Have been receiving numerous calls from Credito Real USA prior to payment due date of the 15th every month harassing me that the payment is due on the 15th. You can review my credit report and see that this account has never been delinquent. This loan had an origination date of XX/XX/2016 for a term of 66Months. 30 Payments have been made on this account in the amount of {$340.00} for a total of {$10000.00} the original principal balance was {$12000.00} the current principal is {$9500.00}. Lender changed names from XXXX XXXX and now provides loans to people with no XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
This company is a RIP-OFF! They charged me outrageous fees and interest, and also every time I made the required minimum payment, it was as if the loan amount never decreased ( payments barely covered the interest ) leaving me with a balance more than I actually borrowed. I was contacted by mail by a company called XXXX XXXX saying there was a possible class action lawsuit. I completed and submitted the claim form, but never heard anything back from them. I just want to see what options I have to either be reimbursed for all the fees/interest charges and/or reimbursement of my money that I paid.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MN

Complaint narrative:
Tried to make a payment to my PNC Credit Card but for some reason the payment bounced even though i clearly had the money in my account and put in the account / routing in correctly and was charged a XXXX $ RETURNED CHECK CHG, so i called on their recorded line and they promised / said they remove the fee on the next statement because i was eligible for it but now a month forward there toxic reps are not helping me now even though every other bank company i have used in my 8 years of banking have always waved these fees quickly and smoothly when they have happened by mistake. 

PNC is being greedy and there customer service reps in there credit card department are toxic and are not helpful at all its really a hit or miss if you get a good one or bad one. 

This credit card belongs in the sock drawer since if you ever have problems they clearly don't have your back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-14 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I initially submitted a complaint months ago to XXXX Credit Reporting Disputes, which all disputes were sent certified mail, and they failed to help resolve my issue. Therefore, I ended up sending a dispute letter to XXXX Presidential to further help solve this issue, and I have yet to receive a response or have the charge-off removed from my credit report. The main issue is that I requested debt validation from XXXX Credit Reporting Disputes months ago, which is past the 30 day response requirement, and they failed to send me ANY documentation. The documentation XXXX said they were going to mail to me was my credit card account statements. XXXX  continues to report a charge-off in the amount of {$35.00} on all three of my credit reports and that balance is in INCORRECT because I paid my XXXX credit card off in 2015!!!!!!!!!

The certified mail letter I sent to XXXX Presidential is attached below.

If you need any further information, such as my personal information or account number, please let me know. I REALLY would like this solved as soon as possible considering it has been an ONGOING issue since 2015!!!!

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 2019-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/2019, I called to obtain clarification on how payments were applied to my promotional balances on my credit card. I was confused because on my 6 month promotional balances there was a specific statement on each transition which stated the following, " A minimum payment applies to this purchase. This is included in your monthly minimum payment due. '' That statement is only present on the 6 month promotions ( no interest if balance is paid in full within 6 months of purchase ) and not present on 12/24 month " easy payments promotions. The agent on the phone explained that ALL minimum payments get applied to " easy payments '' promotions, despite the statement made on each 6 month promotion stating that specific promotion is charged a monthly minimum payment. Essentially, unless a consumer calls to allocate payments made in excess of the minimum payment all payments are applied to the " easy payments '' balances. The agent simply stated that everything she stated is also in the terms of agreement. 

It is deceitful practice to indicate that a minimum payment is being charged to a specific purchase when that minimum payment is NOT applied to that purchase. If it is indicated on that purchase the payment should be applied there, or that statement should indicate clearly that them minimum payment will NOT be applied to that specific purchase. Terms or not, the entire payment allocation is deceitful. Consumers are lead to believe that a 24 month " easy payments '' balance would equal low monthly payments over the course of 24 months however, that this not the case. All minimum payments are applied to the " easy payments '' an nothing is paid toward shorter term promotional balances which means a consumer will end up paying interest on those if the consumer does not closely monitor monthly statements. 

The resolution was was to close the account.

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 2019-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I requested my free annual credit report & the other two bureaus provided my report online without any problem, Equifax gave me the usual message " we are unable to provide your report online, please fill out the form & mail in the request. '' I have been getting this same message from Equifax every year. They are able to provide the report which is guaranteed by law but they do not want to. I never have a problem with the other two credit bureaus. 

I have asked Equifax to explain why they are unable to provide my report online but they wont provide an answer. I do not want to write my SS # on a form & mail it in, then have my report with my SS # on it mailed back to me. A SS # should not be mailed - and a credit bureau should know this! 

Thanks for taking my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Essentially I was verbally told I would have points waived in order to qualify for rate I was quoted by the Citibank lending agent team. One week prior to closing I was told discounts were already applied and that I only had two options : 1 ) pay higher interest OR 2 ) use points to buy down to initial rate quote ( this was on a 60 day lock ) I chose to got with buy down option, which cost me ~ {$1500.00} to secure the lower interest rate, which agent said would be waived. 

Loan has since been given to 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 2019-03-14 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT AND I'VE TIRED TO REACH OUT TO THE CREDITORS AND NOTIFY THEM THAT THESE ACCOUNTS WERE OPENED UP FRAUDULENTLY I'VE ALSO ASKED THEM TO GIVE ME A COPY OF ALL THE INSTRUMENTS USED IN OPENING UP THESE ACCOUNTS AND NOBODY HAS REACHED OUT TO ME. BELOW ARE THE FRAUDULENT ACCOUNTS I NEED REMOVED. 

1 ) XXXX  XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX  XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX   XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATED OPENED XX/XX/XXXX XXXX ) XXXX XXXX -AMOUNT $ XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX -AMOUNT $ XXXX DATE OPENED XXXX

Company response to consumer: Closed with explanation