vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
Citizens One of XXXX, RI, has fraudulently collected unearned interest 3 months in a row. After selling previous residence, I made large payments to reduce the loan balance. In XXXX I sent a check for {$200000.00}, along with the payment coupon for XXXX with instructions to apply the overage to principal balance. Instead, they took the XXXX payment, in addition to the XXXX payment. This included over {$700.00} in interest, even though interest due in XXXX amounted to less than {$50.00} because of the {$200000.00} check received on XX/XX/XXXX. In XXXX. I sent a payment for {$10000.00} for XXXX payment, and they repeated the mistake a 2nd time, charging me in advance for XXXX, including an inflated interest amount that did not reflect the reduced principal balance. The following month, the same thing happened, even though I had complained each time that I wanted the overage applied to principal and that I never authorized future payments to be withheld. Each time they did respond by reversing the payments they took in error, but they collected interest on the future payment as of the date the error was corrected, not the date the payment was first received. 

This scheme clearly is an attempt to collect unearned interest and to delay the consumer 's attempt to amortize more quickly. I challenged Citizens One on this practice and they did reverse most of the erroneously collected and misapplied amounts. I am a retired banker, but I feel this scheme might adversely affected a consumer who may not they can and should challenge this practice. I am retired and have the time to monitor erroneous activity and navigate corporate barriers. This company 's practice has the ability to cause harm to others who may not have some of the luxuries I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a Chase Bank Checking and Savings account. On XX/XX/2020 I used my debit card to purchase items from XXXX and my card was declined. I received a notification to call Chase for possible fraud. I called Chase and was told Chase has decided to close my account and not do business with me and I will receive my funds within 7 to 10 business days. I thought this was a joke and called back and was told Chase does not have to notify me if they are going to close my account. I couldn't understand this because of a 20 plus year banking relationship. I was again told my funds will be received in 7 to 10 days. On XX/XX/XXXX I received a text from Chase indicating my checking account has a bal of {$0.00} below my {$200.00} limit and transfer funds from my savings. On XX/XX/2020 I went to a Chase Branch to close out my savings account and was told Chase already closed the account and funds have been mailed. I then called Chase and was told my funds were not mailed and I have to proof where my funds came from. My checks are direct deposit and I told the agent this and they can see where my funds are coming from. I was informed I would have to provide documentation to proof funds. I provided Chase with my W2 and 2 letters from Texas Work Force. I was told today that I would have to prove residency in Texas. I claim residency in Indiana not Texas. I worked for a company in Texas. Chase is on a wild goose chase and have said it will be easier if they reinstate my account. I Chase to release my funds from my savings and checking. I do not want a banking relationship with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
At about XXXX XXXXXXXX  MST on XX/XX/2020, I attempted to use my Capital One Mastercard ( credit card ) to make a purchase online from XXXX XXXX. I was attempting to make a gift purchase, for my wife, while she was asleep. Capital One incorrectly identified my purchase attempt as fraudulent and froze my card. I immediately called the phone number sent to me by Capital One ( see 1st email alert ) only to get a recorded message indicating that their office was closed until XXXX XXXX eastern time. I called back after they opened and spent an extended period on hold and then went through a protracted identification process to " unfreeze '' my card. The Capital One representative said my card should be good to use at the conclusion of this call. After hanging up, I tried to make the same purchase with XXXX 's which was again, denied which resulted in a second fraud alert email from Capital One ( see 2nd email alert ). I made another call to Capital One and this time the rep said I needed to send a photo of my driver 's license, taken with my phone, for identification. I explained that I had an old fashioned " flip '' phone and I did not know how to do this. She then sent me an email link to allow me to send my driver 's license photo as an email attachment, however, using this technique will require about 10 days to unfreeze my credit card. While I understand the need to guard against fraud, my experience with Capital One 's " customer service '' was highly unsatisfactory. Capital One 's overzealous fraud protection cost me several hours of my time, the loss of use of my credit card for 10 days and a great deal of needless aggravation! In a sense, I was penalized by their system for not having a " smart '' phone to more quickly resolve this issue. But why didn't they correct the problem after my first call which would have avoided the apparent elevation of fraud concern, on their part, by the time I had to make that second call? Customer satisfaction appears to be a low priority with Capital One!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My bank keeps changing their terms of service to overcharge my account by the way of overdraft fees. Wells Fargo charges {$35.00} everytime they assess an overdraft fee. To get Wells Fargo to reverse a charge, they make you call in and navigate their automated phone system. This means wait times. They also recommend that the consumer sign up for text message alerts. 

Yesterday, I received such an alert and within a few hours I transferred the funds to cover the overdraft. Nonetheless, the very next business day, I get another text message, that a Wells Fargo Overdraft fee as tipped my account into the negative. I call WF to get the fee reversed. XXXX, their employee responds and offers me a registry. I insist WF reverse the fee. XXXX offers to reverse half the fee. I insist WF reverse the full amount. She places me on hold and WF reverses the fee. She says this is a one time thing and is not a guarantee that WF will not do this in the future. 

She asks me if there is anything else she can do for me. I suggest her to that WF reverse their policy of looking for opportunities to overcharge their long time customers or even go back to their old policies. She started arguing with me, interrupting me and terminated the conversation. It should not cost me 14 minutes 24 seconds to keep my own money.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
AD ASTRA Recovery Services Inc XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XX/XX/2020 : A validation of debt letter was sent via certified mail for further details stating that I owed AD ASTRA Recovery Srevices. 

XX/XX/2020 : After the company sent me a letter stating that I had debt, a subsequent message was mailed to confirm validity. 

XX/XX/2020 : This company has negatively reported this debt to Credit bureaus after my dispute and they continue. This has created the following : A consolidated lawsuit : -FDCPA Section 805 ( b ), FTC opinion letter Cass from XX/XX/XXXX.They have not validated my debt yet continue to pursue collection activity. ( {$1000.00} ) -They have not validated debt but continue to report to credit bureaus. ( {$1000.00} ) -Have not validated the debt yet continue to pursue colection activity by filing for a judgement. 

-FDCPA Section 811 ( a ) ( 2 ) : Collector must be in the county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THIS COMPANY, PORTFOLIO RECOVERY IS BEYOND RELENTLESS. THEY CONTINUE TO CONTACT FAMILY MEMBERS, FRIENDS, PEOPLE ON MY SOCIAL MEDIA ACCOUNTS WHICH IS ILLEGAL AND KEEP CLAIMING AMOUNT WHICH IS BEYOND INCORRECT. I AM SO TIRED OF THIS SCAMMING COMPANY!!! PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: TX

Complaint narrative:
I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.

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 2020-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
Receivable management has started reporting a debt to my credit report that they have failed to notify me of. I got an alert today from XXXX that this account was reported.

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 2020-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account does not belong to me nor should it be on my file, im not responsible for this account. 

1. 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 2020-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACCESS GROUP INC.
State: CA

Complaint narrative:
34 CFR 682.215 - 682.215 ( e ) ( 3 ) Income-based repayment plan ( " IBR Plan '' ) requires notification of the annual recertification deadline. The lender, Access Group, never once sent me the recertification notice since I enrolled in the program in XXXX. As a result, in XXXX, I missed the unknown deadline by a few days and more than {$60000.00} was capitalized into my student loan. I also just now discovered that the same thing happened around XXXX for around {$8000.00} after I also apparently missed a deadline. Access Group never provided me with the terms of the IBR Plan when I signed up, and it failed to warn me of the draconian consequences of missing the IBR recertification deadline by even one day. To date, I have never been given a due date for the annual recertification deadline -- even with the new loan servicer, which at least has sent warning letters. There must be other similarly situated persons. The loan servicer in XXXX was XXXX XXXX XXXX XXXX XXXX, but they have since folded, so I can't contact them. Previously, it was XXXX. I have complained to XXXX  ( Access Group 's company ) and filed a lawsuit, but they lied and said I was sent a 90-day warning letter in XXXX. XXXX provided a blank form without my name and address as evidence ( ATTACHED ), but they refused to " authenticate '' the alleged letter as genuine in the lawsuit. However, even if they had sent me that warning, the form still did NOT contain an actual deadline to recertify, as required in the above-stated federal regulation. Again, Access Group NEVER sent me the annual notification letter for any year I've been in the IBR Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are numerous accounts listed on my credit report along with inquiries that I did not authorize or initiate. This was a result of an error or malpractice.

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 2020-11-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On or about XX/XX/XXXX I requested a copy of my credit reports from all three credit bureaus by mail. I included my ID, social security card and a recent bill/statement. I did not receive a copy of my credit reports, so I requested them again around XX/XX/XXXX. I ended up pulling a report online from a credit monitoring service and I found some inaccurate information regarding late payments. I sent a dispute in to the credit bureaus via certified mail this time and each bureau received my dispute by XX/XX/XXXX. As of today I have only received one credit report from Experian dated XX/XX/XXXX ( just my credit report not a response to my dispute ) and I received a notice from XXXX saying they did not want to send me my credit report ( they did not mention anything about my dispute ) and a notice from XXXX saying they could not find my credit file. I have not had any changes made to my credit reports and I have not received a response back from any of the credit bureaus regarding the inaccurate payment history. At this point I feel like the credit bureaus are not doing their job and I am not sure why I can not receive a response about a simple dispute. It has been well over 60 days and I am pretty sure the credit bureaus are supposed to respond by law within 30 days.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
This debt was paid in 2015 with the promise to delete. It was originally with XXXX XXXX and it has been sold. I dont think the new debtor was aware that this account has been paid. Also I have disputed this information before but I never received a response back from the credit bureau.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
At present, I have made three ( 3 ) payments to my Sofi Personal Loan. Each payment includes an additional payment to the Principal by including two separate checks in a certified envelope to Sofi.

One check for a regular payment of {$810.00} as agreed upon and the other check for a principal-only payment of ( 1 ) {$2000.00}, ( 2 ) {$4000.00}, and the 3rd payment of ( 3 ) {$2000.00}. A grand total of {$8000.00} has been sent toward the principal. 

I recently reviewed my statement and noticed that Sofi has been applying my regular scheduled payment of {$810.00} as a principal payment. Thereby taking any additional funds as interest payments and applying the rest to the principal. 

An example : Principal Interest Total XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1600.00} {$360.00} {$2000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$3600.00} {$360.00} {$4000.00} XX/XX/2020 Schedule Payment {$810.00} XXXX {$810.00} XX/XX/2020 Schedule Payment {$1500.00} {$470.00} {$2000.00} My initial Loan was {$42000.00} at a rate of 11.491 %. 

XXXX? ( whose manager is XXXX ) assured me that the figures come out correctly. And that there are " no errors to correct. '' For transparency she is incorrect. Principal only payments should always be applied to the principal. Interest and principal payments should only be applied from the agreed-upon scheduled payment of {$810.00}. 

I asked them to correct this error but to no avail. Notice the different amounts in principal payments when I sent an additional {$2000.00} for XXXX and XXXX payment. 

Please reach out to them and ask if they could correct the errors in my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Although I received an email from CFPB stating that my complaint XXXX was resolved, it has not been. I have not received any additional information from Chase about the documents required to close this account. I telephoned this morning and was told that I had not submitted a death certificate. If you look at my complaint, you will see that I have already submitted two hard copies ( to the address listed in the resolution email you sent, one certified mail ) and two email copies -- one to a branch office and one to Chases Executive Office. When I mentioned this to XXXX, the Chase representative, he said that someone would call me back. 
I am beginning to think that this repeated loss of my documents is motivated by prejudice against a perception of what race and religion I am. I can not come up with another explanation of the refusal to accept or hold onto the documents I send and the refusal to put anything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This account does not belong to me nor should it be on my file, im not responsible for this account. 

1. XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This account does not belong to me nor should it be on my file, im not responsible for this account. 

1. 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 2020-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I currently have a student loan with XXXX/Suntrust Bank and when Coivd hit and I wasn't sure if I would even have a job I had to place my loan in Forbearance. I did not receive any type of notice such as a phone call, invoice or anything that would let me know the Forbearance was due to expire so instead they reported my payment 2 months late and I was not aware of it until I received an alert from my credit monitoring. I contancted them immediately and asked them why they did not send paperwork or something informing me the payment was due and they said they don't do that. With everything going on in this country why wouldn't they try and help?

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