vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX AM, I spoke to XXXX ( Account Supervisor of Chase ) who confirmed that my account is being double charged on the interest for a promotion interest balance because my monthly payments are NOT being applied to the monthly interest. Instead the monthly interest is being added to the principal amount so that the principal increases monthly thereby increasing the accrued interest. Consequently, Chase is charging interest on interest every month by increasing the principal when monthly payments more than cover the interest and minimum payment due. 
XXXX informed me that although this is unfair to me, Chase does this per federal law without stating which federal law or offering to provide a copy of the federal law. He further refused to elevate this matter to his supervisor or provide an address for me to submit a written complaint. 
This is wrong. When monthly payments more than cover the minimum payment and interest payments, Chase can not be increasing the principal amount by adding monthly interest amounts to the principal balance to impose higher interest obligations on the consumer. 
Since XX/XX/XXXX through XX/XX/XXXX, the interest on the promotion interest balance has increased due to Chases practice of increasing the principal balance by adding the monthly interest to the principal and NOT applying the monthly payment to the monthly interest charged. 
I do not believe Congress intended for Chase to legally charge interest on top of interest by allowing Chase to increase a principal balance by not applying consumers payments to the interest charged every month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
My spouse recently had some changes made to her income and since I'm on an IBR I sent in the appropriate paperwork to make a change ( XX/XX/19 ). All paperwork ( paystubs ) were sent in and the correct filing was done. 30 days later on XX/XX/19 I was denied a change. The explanation was that the paperwork was " more than 90 days old ''. The pay date for the subs sent in was from XX/XX/19 which still isn't 90 days old. 

I called on XX/XX/19 to have them check and the rep said that it was a mistake and all the paperwork was filed correctly. He said that I would have it corrected within 10 days. I called 14 days later ( XX/XX/19 ) when nothing had changed and was told that it was still processing and that I needed to wait. Meanwhile I've had to make 2 months worth of payments calculated on a salary that is larger than it is currently. I am so sick of constantly waiting for these people while I'm held to a perfect standard when it comes to my own actions. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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: FL

Complaint narrative:
I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
The company name is XXXX XXXX XXXX, XXXX This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local Sherriff department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone.

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called XXXX XXXX. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. XXXX XXXX is also on my credit report with the same amount owing to them as well. Both XXXX and XXXX XXXX have put late payment status and amount still due on my credit reports. XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when XXXX XXXX started automatic withdrawals on my account and when I had it stopped.

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 2019-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Mom ( XXXX ) has me transfer all her banking to XXXX XXXX  ( XX/XX/XXXX ) from Wells Fargo which include an IRA account With a maturity date of XX/XX/XXXX. My branch manager @ XXXX  & I filled out all paperwork, including POA verification- it was sent to Wells Fargo address on XX/XX/XXXX. 
XX/XX/XXXX, notified by XXXX that Wells Fargo sent paperwork back- transfer request had to be made on WF forms. Papers resubmitted. 
XX/XX/XXXX : still no word about IRA. Called XXXX IRA number on statement. On hold total of 2 hours. Agent explained problem was they did not have my POA. They never ask requested my POA, which is 12 pages long. Agent said no problem- Go into my local WF with my POA in hand & they would cut a check to XXXX  right there on behalf on mom. 
XX/XX/XXXX : Next day, went to local WF- told them why I was there. Branch manager wouldnt see me- sent me to employee who informed me that everything agent said was wrong. WF policy would not allow. Immediately sent copy of my POA via registered mail to XXXX XXXX- WF investment center . 
XX/XX/XXXX : confirmed POA was received @ XXXX XXXX via USPS tracking. waited ... .. no word. 
XX/XX/XXXX : Called local WF employee. He confirmed they had received my POA & check should be cut in 3 days. 
XX/XX/XXXX : I went to WF to find out why 3 weeks later my moms IRA was not at XXXX. 
Employee once again calls XXXX XXXX- gets run around- he has to escalate. No resolution. 
XX/XX/XXXX : went back to WF, now they say check cut in 5-10 working day. Totally unacceptable. Mom needs her money & we are tired of being taken advantage of. She is a very independent XXXX & I have just had to start helping her with her finances. Unfortunately I found out too late she was one of seniors that credit account opened for her by WF. That is why her WF bank employees were all new every time I took her there. 
I have just received word via phone that they have cut the check & MAILING it from XXXX XXXX to XXXX in Georgia. This is ridiculous that they can not transfer via wire immediately. Mom & I are both very upset. She is so glad she has moved her money out of WF. I dont  believe a word they say & its really scary to think of those seniors that bank with them that Dont have someone to look out for them.

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 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
I have asked several times for a copy of payment history and for some reason they will not provide it. I need do to the fact Gap is denied my claim and want to review where my payment are posting and when they are applying my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I recently looked over my credit reports and seen 9 unauthorized credit inquiries I did not authorize. I have contacted the bureaus to dispute this matter over 45 days ago and I have not received any answer back from bureau.They are not cooperating or helping me to try and get this resolved immediately. It is not ok for them to report inaccurate information or information that does not belong to me. Please investigate this matter, DELETE ALL inquiries listed below and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

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 2019-02-20 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA

Complaint narrative:
I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with Castle Credit Holdings for {$1500.00}, it says it was closed XX/XX/2018. The other is with XXXX XXXX XXXX for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for Castle Credit Holdings still shows as an open account on XXXX. I am also seeking legal advice this week from a local  attorney to dispute these items. Castle Credit Holdings directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX  monthly, but they refused the $ XXXX  monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I was wrongfully charged the early termination fee of {$550.00} by XXXX XXXX in XXXX, 2018. I have been trying to resolve the issue and contact its customer service department several times. And a couple of times, they told me to drop the charges but didn't happen as promised. Instead, XXXX sent it to collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CT

Complaint narrative:
I got alert from credit reports this about this collections company. I've never owed had XXXX account. I contacted XXXX customer service I was given very little information as they couldn't verify my info on file I was giving them and told me this is most likely fraud account. I opened dispute on XXXX and this collections is coming back as accurate. I've never owned had XXXX services. I have same company for over 20 yrs. They have Wrong person in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Dear Sir/Madam, I was sued by XXXX XXXX XXXX XXXX XXXX ( XXXX ) sometime in XX/XX/XXXX. The entity claimed they owned my private student loans. However, they did not have the proper documentation to prove this. In XX/XX/XXXX, XXXX decided to dismiss the case against me with prejudice and drafted a Release and Settlement agreement. XXXX refused to accept my redlined changes and the document was never executed. XXXX District Court ended up disposing of the case for statistical purposes which means in other words the case was dropped. As a result of XXXX  meritless claims my credit score has been negatively affected. I am unable to get a loan for much needed home repairs as I had a basement flooding recently. I know that it is a violation of CFPB policy for an entity to submit false information to the credit bureaus in order to collect. In XX/XX/XXXX, CFPB have filed a consent order against XXXX  and Transworld Systems ( TSI ) and this was one of the reasons. I know I can not be the only individual who has filed a complaint against XXXX in this regard. Please have XXXX remove all negative collections, trade lines and amounts from my credit report. They have no right to continue to impact my credit score when they have no legal standing. I have filed complaints with the Credit Bureaus but they are unable to conduct a proper investigation. CFPB needs to intervene and request that XXXX   and TSI remove all trade lines, negative collection amounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have call from XX/XX/2019 and XX/XX/2019 that were made by transworld system Inc trying to collect a debt that is not for me but for the previous owner of my phone number. I have told them that he doesnt own this phone number any more but they are still calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: MN

Complaint narrative:
I have 2 credit cards with XXXX XXXX XXXX and credit protection on both accounts. It has been a process to activate benefits being that I get unemployment I qualify if I was enrolled in credit protection 30 days prior to getting unemployment. I have been waiting for a couple months and I think it's XXXX to current that credit protection is suppose to be taking care of my monthly bill. I got one bill covered on one of my accounts and that is all and I still qualify for credit protection. I sent over proof of unemployment and I just received a letter yesterday and I got ta send more information and they have not been doing their part. My accounts got reported to credit bureau and this is unfair the way I'm getting treated as a customer since I already explained to XXXX XXXX XXXX about the credit protection being very unprofessional and it's hurting my credit. I have the credit protection and should not be in this situation. It's suppose to benefit me have that protection. I would like it if these reports got removed from credit bureaus since this is not in my control. I am trying to rebuild my credit and this is out of my control but seems the consumer is always wrong. 

Thanks, 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 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
I filed bankruptcy on XX/XX/XXXX and it was discharged in XX/XX/XXXX. I submitted these records to XXXX  and ask that they send me a copy to reflect as such. They sent me a copy of my file stating everything was clear in the file and that nothing exist in it. I preceded to apply for a new checking account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX mostly at banks, credit unions and for credit cards, but continued to be denied as a result of the information received from XXXX. I did a follow-up phone call with XXXX  and again they verified nothing was in my file. A year later I tried again to apply for checking accounts on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still were denied based off information from XXXX. I again submitted a written request to find out what is on my file, I received again another letter indicating again that nothing exist in my file. so I applied for new checking accounts and credit cards XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with continued rejection based off of XXXX records. I again contacted them in writing and was told on XX/XX/XXXX that nothing was in my file. Finally I wrote for a re-investigation and received on XX/XX/XXXX a letter that they determined that there was three entries that was in my file from XXXX XXXX date some back in XX/XX/XXXX-XX/XX/XXXX, that this old information should have been removed years ago but was not. I feel that XXXX  should be accountable for all of my stress and down fall of credit and bank accounts, as a XXXX person this cause a great deal of unnecessary credit issues and held me back from an opportunity to build my credit.

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 2019-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BB&T CORPORATION
State: TN

Complaint narrative:
Regional Acceptance Corp. ( RAC ) records show that my vehicle was repossessed and sold by RAC in  the state of North Carolina and resold on or about XX/XX/2017. The balance remained on my account after the sale of my vehicle. In connection with the repossession and sale of the vehicle by RAC I  was NOT sent ANY post repossession notices which are mandated by North Carolina Law, I was not sent : -Notice of Default and Right of Redemption/Right of Reinstatement -Notice of Sale -Post-Sale Notices Under the laws of the State of North Carolina UCC and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

RAC is continuing to report inaccurate information on all three credit bureaus. I disputed this information with the 3 bureaus ( XXXX, XXXX, XXXX ) but RAC tells them their reporting is accurate so not one bureau will remove this account - or even update the balance - or even mark the account closed. 

This is a violation of the FDCPA and 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