vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is continuously reporting incorrect information on my credit file. Its been well over 30 days and I have yet to receive results on my dispute. The account is clearly not mine Ive sent documentation on numerous occasions and they still refuse to delete. The collection account is for XXXX and XXXX XXXX in the amount of {$11000.00}. There are 2 companies trying to collect on this fraudulent account. Ive been dealing with this fraudulent account for 4 years beginning XX/XX/XXXX. The account was deleted and Equifax reinserted the fraudulent account without my knowledge in XXXX. Ive attached documentation showing the account doesnt belong to me and it needs to be deleted indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I went to Gander to purchase some items. I was offered a discount for applying for the store credit card. I thought it was a good deal, I applied, was approved, got my items and left the store. I started receiving regular calls from Comenity bank. Wasn't aware that they represented this card so I ignored the calls, thinking they were another company trying to sell me something. I got a bill in the mail stating I owed three times the amount of my purchase. I received another call this morning and asked for an explanation. When found out who and what these charges were for I paid in full and cancelled my account. I was charged {$64.00} in fees for a {$40.00} purchase. I don't know but that seems like predatory lending to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: NJ

Complaint narrative:
My monthly payment for XX/XX/XXXX was due on XX/XX/XXXX. On XX/XX/XXXX I sent in a request asking for my payment to be deferred to the end of my loan. I received an email response on XX/XX/XXXX explaining the terms of doing such an action and that if I wanted to proceed I needed to reply back as it was time sensitive. I did as directed. On XX/XX/XXXX my account was debited for the amount that was agreed to be moved to the end of my loan. I sent multiple emails asking why the agreed upon direction was not followed. On XX/XX/XXXX I received a response back saying the request was being sent to the appropriate department for review. Email responses ceased until XX/XX/XXXX when I received the same " sent to the appropriate team for review '' response. It has now been two weeks, no resolution, and customer service has again stopped responding. I have over 20 emails regarding this situation as well as multiple daily phone calls that go unanswered. I want my money refunded per the agreement we had in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Closed my account with insufficiently. Due to virus my employer was behind on payroll. He did agree however to pay monthly bill in addition to my monthly payment. Past history shows this was done successfully thru past year. Last few were unsuccessful but note these were in addition to my regular on time every month payments. These that didnt clear were additional payments. Ive had XXXX accounts over the years and paid first XXXX in full and always paid on time every month on this account. Employer was behind on payroll and offered to make extra payments to compensate to the account. I had no idea these didnt clear until now

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 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IA

Complaint narrative:
I received a loan on XX/XX/XXXX for {$700.00}. As of today I have paid {$3400.00}, I have scheduled my final payment for XX/XX/XXXX in the amount of XXXX. 

This had an APR of 674.9616 %. {$3700.00} as of XX/XX/XXXX https : //self-service.brightlending.com/loans Iowas Regulated XXXX XXXX caps interest at 36 % on the first {$1000.00}, 24 % on the next {$1800.00}, and 18 % on the remainder. The resulting XXXX, which blends these rates, is 31 % on a {$2000.00} loan. 

They are not licensed in the state of Iowa.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an email from Capital One stating that my credit limit changed. Without any prior warning, Capital One reduced the credit limit on my credit card by 67 % ( from {$15000.00} to {$5000.00} ). The reason? Because I've " only been using a portion of my credit limit ''. I have been essentially punished for being a responsible spender of my money, and for paying off my balances every month, on time, in full. In addition, not only did they not give me any warning or grace period before this reduction, they are reducing my credit 10 day before I close on a house! The mortgage lenders will be running a final credit check before closing and even though I have done nothing but be careful and responsible this entire period prior to closing, Capital One will negatively impact my credit score and credit utilization percentage because they felt I wasn't carrying a high enough balance on my credit card and spending heavily during a national pandemic. When I called their customer service line, I was told there is nothing they can do to move the credit limit back up, nor can I submit the request for 6 months. They also indicated to me that my average monthly spending has gone down this year compared to last year, in which I had to remind them, due to the pandemic, I am no longer spending $ XXXX dollars commuting to work among others expenses I need to cut back on during this time. I received zero empathy, understanding, or help from their company. I have had credit cards since XXXX at various issuing banks and I have NEVER in my life encountered this. I always pay my bills on time, in full, and as a result am punished rather than rewarded for my efforts. Without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I logged in this morning XX/XX/20 to payoff the loan and I entered my debit card and processed the payment and an error occurred so i checked my account and the funds were pulled. I called back and Advance Financial says I didnt send the payment. I called my bank XXXX and they show the payment was pulled from my checking account on XX/XX/20. I asked for a supervisor and I got the run around until I got someone on the line and probably wasnt a supervisor but didnt nothing and I made my payment as the contract says I am supposed to but Advance Financial will not help me. They are just rejecting payments to get more money through interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 TransUnion : Factual Data XX/XX/20 TransUnion : Factual Data XX/XX/20 TransUnion : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20

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 2020-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 Experian : Factual Data XX/XX/20 Experian : Factual Data XX/XX/20 Experian : XXXX XXXX XXXX XX/XX/20

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 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a computer company fix my computer and later realized that it was a hack. 
I reported ( 4  ) {$1000.00} fraud XXXX payments from my savings account. After 3 tries from my bank ( Fifth Third ), they will not refund my money. They say that it was an authorized transaction. They claim that I gave them authorization to send the XXXX Payments. I never knew what XXXX was and now realize that the hackers on my computer probably authorized the payments, I sincerely hope that you can help me on this situation. {$4000.00} is a lot of money when you are a retiree.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I signed an treatment acceptance and payment arrangement form from XXXX XXXX, XXXX XXXX to XXXX XXXX, XXXX, Florida. This agreement contained terms concerning some major dental work which was consummated by this agreement. Total responsibility {$5200.00}, of which I paid {$2600.00}. I made the decision to pay half and finance the other half after being offered an interest free loan through XXXX XXXX XXXX. I was told explicitly, the terms would remain in effect unless I default on a payment. At that time, I would be assessed finance charges. Wishing to enhance my credit file, I elected to finance {$2600.00}. In that time period I was always on time and paid my monthly balance as soon as the notification e-mail came in. On XX/XX/XXXX I was debited XXXX and finance charges began to accrue. I continued to pay my payment while I awaited proof of my agreeing to the terms of this deal. 
In essence, in XX/XX/XXXX, my balance was {$970.00}. I kept seeking a remedy for this and paying the payments, yet until I reached my point of intolerance, my balance now exceeds {$1400.00}! I find this punitive and predatory. Trying to enforce an agreement that was never in force.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: MI

Complaint narrative:
Why did you ( CFPB ) close my complaint # XXXX? It has still not been resolved.TransUnion failed to respond within 30 days and did not remove all of the items I disputed according to the Fair Credit Reporting Act ( FCRA ). When TransUnion did not respond, they are required " By LAW '' to delete ALL disputed items. They have not done so, and failure to do so will result in a {$1000.00} fine per undeleted item. I will be pursuing Legal action with XXXXXXXX XXXX  XXXX XXXX  if the correct action is not taken. This is my last attempt to completely fix this clear violation of the Fair Credit Reporting Act ( FCRA ).

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 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chased closed my account because they let fraud through and refuses to show proof where debit came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have been disputing an error on my report with chase for almost a year now and I am not getting any help. Chase added a late payment on my account for a payment that was mailed but got mailed to the wrong address according to my bank. Chase knew about this but still added a late payment on my account. This is ridiculous I have 99 percent on time payments but had 100 percent on time payments for years and this was not my fault. Chase agreed to remove it but has not. It shouldnt be on my report at all. Someone please help. I believe its been removed from other reports but still reflects on two reports. I have never missed a payment in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I just received an email from Capital One regarding my credit card limit. The email states that because I have only been using a small portion of credit, that they are reducing my credit limit. 

This will impact my credit rating unfairly. 

I called the company, but was told that there was nothing they could do about it. 

In essence, I am being penalized for responsible credit utilization!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I have reached out to the company on several occasions to try and resolve my issue. I have also disputed their reporting with the Credit Bureaus to no resolution. I have asked for proof the debt belongs to me such as written agreement creating my original requirement to pay. I was told and provided a statement copy, which does not establish my ownership of the account in question. Several agents told me this is the only information available. The agency continues to call several times a day regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: IN

Complaint narrative:
FOR 5 YEARS I HAVE NOTICED AND COMPLAINED TO MY BANK ABOUT THEIR HANDLING OF OVERDRAFT FEES ON MY CHECKING ACCOUNT. WHAT THEIR PRACTICE IS IF THE ACCOUNT FUNDS ARE LOW AND THERE ARE INCOMING DEPOSITS AND WITHDRAWALS IS TO HOLD THE DEPOSIT AND ALLOW THE WITHDRAWAL FIRST IN ORDER TO CHARGE OVERDRAFT FEES TO AN ALREADY NEAR XXXX BALANCE ACCOUNT. WHICH IN THESE THESE TRYING TIME IS VERY UNNERVING AND STRESSFUL. OF WHICH THEY DENY BUT CONTINUE TO DO. YEARLY I AM SURE THEY AMASS SEVERAL THOUSANDS OF DOLLARS FOR THE BANK. AT A COST OF MOSTLY STRUGGLING MINORITIES I AM SURE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was the victim of an wire fraud scam during the closing on my families new home. An scammer had spoofed the email of an employee of the XXXX XXXX ( XXXX XXXX XXXX ) and informed me that I needed to wire my closing funds for my new home due to CORONA with modified wiring instructions of the title co. 

I wired my funds to an Capital One. The Bank slipped up and informed me that the account was marked fraudulent and that all they would tell me. My bank XXXX has tried to get them the reverse the funds but they will not. 

I thought it was up to the bank to verify if their is any fraud involved when someone is try to open an account My News Story : XXXX XXXX   XXXX Scammers account info : Routing : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: MI

Complaint narrative:
On XX/XX/XXXX Bank of America charged me a fee of XXXX $ interest fee when I had paid my full amount before the closing date. when I contacted the bank they denied my request to remove the fee and force me to pay it by saying " we will ruin your credit score '' please take some actions regarding this Bank. My name is XXXX XXXX XX/XX/XXXX Bank of America account number XXXX XX/XX/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 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 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: MO

Complaint narrative:
Trans union is reported wrong information on my credit report and refused to do anything with the 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 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: TX

Complaint narrative:
XXXX XXXX who finances a XXXX XXXX XXXX XXXX XXXX  has been harassing Me with calls and when I call to discuss how my payment are distributed they blow me off and give me a ton of double talk about paying a few days late or getting extensions which I am double charged for by per diem and late fees. 
My payments are lopsided where my money paid is going to interest instead of principal, I have had this loan since XX/XX/XXXX and I demand that XXXX XXXX conduct the loan in a fair manner where I can afford to trade the vehicle or pay it off. 
XXXX charges a per diem daily if payment isn't made on due date, plus they charge a {$23.00} late fee. This is double dipping, yes? 
The loan they tell Me is a simple interest fee loan where I don't see equity on the vehicle until year 4. 

This problem is one that XXXX creates knowing customers are tied to the vehicle forever and a day because the buyer cant afford to get out of the loan. This company is a Huge Rip Off and should be penalized for taking advantage of consumers struggling with XXXX and steady work.

Company response to consumer: Closed with explanation