vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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: New Century Financial Services, Inc.
State: NJ

Complaint narrative:
The company New Century Financial Services have been calling myself multiple times daily for the past 6+ months. As well as having lawyers contact me on their behalf. They have also called family members phone numbers and contacted former addresses. Recently, they have threatened to take me to court. They have also sent a letter saying they put in an application for wage execution. I have been receiving false letters with a false docket number. Some letters going back to 2010, which is proof this is past the statue of limitations in the state of NJ. The people who call also are rude, hang up on me if I ask questions, and have been harassing me constantly. No matter how many numbers I block they continue to call, sometimes until 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 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I used an ATM to deposit a check for {$400.00} into my Bank of America checking account, written from an account of mine at another institution. After the ATM had processed the transaction ( with no way to cancel it ), I was informed that Bank of America would be holding the funds from this check for approximately two weeks. {$400.00} is a much lower amount than I normally deposit, and I have never in my entire history with the bank had a deposited item returned. 

On the same day, I logged into Bank of America 's online banking, and in the details of the transaction it said the full amount was " available to cover transactions posting on XX/XX/21. '' Today, XX/XX/XXXX, I logged into my non-Bank of America checking account and I can see that the check in question has cleared. I am able to download an image of the cancelled check and can confirm that Bank of America has received the funds for it from my other bank. Bank of America is still holding the funds, and will not be paying me interest, or otherwise compensating me for essentially having decided to steal money from me for two weeks. 

There were a series of debit card transactions between XX/XX/XXXX and XXXX which posted today ( XX/XX/XXXX ), but one transaction on XX/XX/XXXX did not. That transaction is now showing my account as overdrawn. 

I spoke with Bank of America 's customer service, and after being placed on hold multiple times ( totaling at least 15 minutes of waiting ), I was informed that : 1. There is no amount of evidence I can provide to prove that the check has already cleared, and noone at the bank is authorized to release the hold before XX/XX/XXXX. 

2. I will be charged overdraft fees, despite having relied upon written information provided by Bank of America 's online banking, which stated that the funds from the deposited item would be available to cover debit card transactions. 

I requested a call back from a supervisor but to date have not received one. 

I would like this complaint to be handled in writing, preferably by email. Please do not ask me to call you about this complaint.

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 2020-01-22 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: WA

Complaint narrative:
I've made numerous attempts since XX/XX/2019 with proof of ivestigations being updated on my Experian account that was listed by XXXX XXXX. XXXX has no information concerning this account and therefore XXXX  has removed this account. 

Yet somehow Experian has verified and updated the information, but really didn't change anything.

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Walmart capital one credit card .I received a statement from them, i owned them for the month of XXXX almost $ XXXXThe due date was the XXXX of XXXX. My bank issued a payment on the XXXX of XXXX. On the XXXX of XXXX, I received a notice, that i was late for the payment. I called Capital one customer service, to find out wgy my payment was late. They informed me, tat there was {$28.00} late fee charged to me. Ion my statement, it shows, they received the payment on the XXXX, ( 8 days after i sent it ) the agent said this was a mistake an they would reverse the charges. I firmly believe this company is using fraudulent methods to charge, the unknowing consumer, extra charges to line, their pockets.On the late notice, they told me, I could avoid this issue, by allowing them, to automatically deduct their bill, from my bank account. I would like for your bureau to investigate this company for this fraudulent process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting a Refund of the Past Due Fee on XX/XX/XXXX in the amount of XXXX and the pass due fee of XXXX on on XX/XX/XXXX. Since the Switch over from XXXX  to Capital One I have not recieved my bills and the App malfunctions and does not tell the Minum Due on the Home Page

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed up for a trial membership service with Experian for their Credit Monitoring service and provided my credit card information. When I canceled my membership with them my credit card information was still saved in their system and did not get removed. I called them to remove that from their system but they refused and said that they have the right to keep my credit card information on file. I requested for a supervisory from their Membership Services department and a person named XXXX still won't remove my credit card on file.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data  furnishers

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 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Trying to get PayPal card and application keeps restarting instead of going to final step.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Hello CFPB, Thank you for your time to taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using western union money services. I recently reached out to western to get the details of money I sent from the year 2000 to now but western declined through my email requests. I contacted western union at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont even know that exists and also representatives are very rude responding customers ) representatives and they even dont know the USA geography and simply denied my request many times and declined to transfer my calls to US customer support saying that there is no US customer support available.

The western union company has headquarters based in the USA but all poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. Western simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX  and other places. 

I will pay a minimal fee if I required to pay to get my required info. 

People I sent money through money western union : 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX 4.XXXX XXXX, XXXX 5. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Pinnacle Financial Group, Inc.
State: NC

Complaint narrative:
My name is XXXX I purchase my car threw XXXX XXXX last year then another company took over pinnacle financial group its  showing up on my credit as two loans on my credit I have been having financial problems I called pinnacle they threatened harrss me on my job

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Victim and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX without my consent and knowledge.

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 2020-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: TX

Complaint narrative:
Midland mortgage is reporting differently to all three bureaus, XXXX credit and XXXX midland reports me being late XXXX XXXX XXXX and XX/XX/XXXX. At XXXX, midland reported XXXX and XX/XX/XXXX as being late. I was late in XX/XX/XXXX only. I submitted a letter to midland mortgage from the post office mid XXXX and it was corrected yet they turned right back on and reversed it. I called XX/XX/XXXX and a rep advised that midland has me late for XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX which is false

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 2020-01-22 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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2020-01-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have reached out to this company multiple times requesting documentation that proves they had permissible purpose to obtain my credit report. They have not provided any documentation so I am moving to sue this company. As such, I am filing a complaint to add to the documentation to be submitted to the court. 

I sent my original letter XX/XX/2019 via certified mail. I received a generic answer back explaining that they received an application. I requested proof of the document in question and was provided with no evidence of the same.

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 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
PHH mortgage was Ocwen in XX/XX/XXXX. My mortgage was at the end of its 15 year term so I refinanced with them to get my ex husbands name off, another 15 years and to get caught up with back payments. I got approved in XX/XX/XXXX and they sent me {$70.00} back because I overpaid. Then immediately after they turned into phh mortgage. Thats where the real nightmare began. I couldnt reach anyone after multiple attempts to call them. The customer service people I talked with wouldnt tell me how to get online to pay because they said I was in bankruptcy. That was in correct. They put my name back to XXXX  and sent my ex husband demanding letters as well when he is no longer on the mortgage. In XX/XX/XXXX they sent me a letter saying if I didnt pay {$4700.00} and something before the XXXX my house would be up for auction. We paid the money. Not even three weeks later my house is up for auction! They said i owed {$4300.00} from XX/XX/XXXX ( false I paid it in XX/XX/XXXX ) and ocwen would have never refinced me or sent me  back money because I over paid! And they said they put my house up for auction because I didnt make the XX/XX/XXXX payment. Wrong again! I filed with nh banking commission and they said they closed the case because they straightened out my name and bankruptcy however the major issue is where is my {$9000.00} and why is my house up for auction??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THIS ACCOUNT IS FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
Hi. 

I transferred my funds via the bank transfer option available on the Way2Go website. I provided the correct routing and bank account number. Ive waited and waited, and it has been more than enough time for the funds to show in my bank. Ive asked my bank, and they dont see anything either. 

However, on the card activity, it shows Transfer ( name of my bank ) /cleared. 

The money is literally missing. And there is not one single way to speak to a human being. Ive called and been going around in circles with people giving the same numbers, which either say they are not in the same department, OR its a complete automated line. 

Finally I found ONE customer service number that actually seemed I was going to be able to speak to a human. I called, and I stayed on hold for 20 minutes. A generic recording telling me all our representatives are busy, please continue to hold. I completely understand it takes time and have no problem waiting. However, it started to seem as though there was not even anybody on the other end at all. The same recording and horrible waiting music continued for 20 minutes and I hung up. 

I have no way to find where they put my money. The card balance is {$0.00}, so the funds went somewhere. But where? Its not possible to ask a human to look into the details to see if there was an error, if its gone into someone elses account, etc. I am not a difficult person, but this is just absolutely ridiculous. 

How does money disappear into cyberspace? Why is there not any possible way to get actual help when these things happen? At this point, I am more upset that there absolutely nothing I can do about the missing funds. This is child support money. I am living paycheck to paycheck. My power bill and car insurance is due. I need help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: FL

Complaint narrative:
I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.

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 2020-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CREDIGY USA CORP.
State: NY

Complaint narrative:
I have sent multiple letters and made several phone calls to this company with no results. In XXXX I received a Line of Credit loan from XXXX XXXX line of credit. This line of credit was based on a REVOLVING line and interest rate. Several years into the loan it was sold to a company called Zelkova Acquisitions LLC.  My payments were based on the amount borrowed and the interest rate. I want to stress that this was NOT an installment loan but rather a revolving line of credit. The law REQUIRED the Zelkova honor the full terms and interest rate of the original agreement with XXXX. As my balance was approximately XXXX dollars my monthly payment was essentially the same save a few dollars each month as I was mostly making an interest payment. 

In XXXX of XXXX I made a significant payment to the account which reduced the balance on the account by almost {$10000.00} dollars. As such, the corresponding monthly payment should have come down dramatically based on the interest rate that would have been applied to the then smaller owed balance. Yet for MONTHS after this occurred I was still charged the same amount as I had been paying for the prior balance of roughly {$14000.00}. I made multiple requests of Zelkova to remedy that situation only to be rebuffed. When I explained clearly that the account was a REVOLVING Line of Credit that it was not only improper but it was in fact ILLEGAL for Zelkova to bill be a set amount each month. My payment was based on the amount of money owed applied to the interest rate, logically then if I owed XXXX dollars at X amount of interest the payment would be dramatically less if that same interest rate was then applied to a remaining balance of let 's say XXXX dollars. I tried to no avail to explain to Zelkova that they were charging me hundreds of dollars in interest that I was NOT obligated to pay based on the new smaller total balance. I feel that Zelkova owes me hundreds of dollars back due to overpayment of interest based on their fraudulent billing of my Line of Credit over the last 6-10 months of the loan.

Company response to consumer: Closed with explanation