vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I recently, requested copies of my credit files. From all three credit bureaus, XXXX, XXXX XXXX, and XXXX. Once received I reviewed all three reports and there were accounts on my that I had no knowledge. And several that were from collections agencies. So i was advised to file disputes of the accounts in attempts to get the inaccurate, and darogatory information deleted. After, a couple of disputes I got information from the major three credit bureaus. Stating that the information reported was reported by the collections agencies. Was correct, in my dispute I detailed that I needed detailed information. Such as my signature on original contract, loan numbers, year account was opened etc. None, of this information was provided on the information that was placed on such as accounts, amount owed on the accounts, and re-aged dates on accounts. I am needing help in the process of getting the accurate information concerning these accounts. I have also ben advised by all three credit bureaus they would not re-investigate any of my disputes. Unless, I could provide further information on the accounts. I don't have any further information accounts, not aware of accounts. I have requested information by sending a letter of validation of debt, original account signature of credit, original date when account was opened.To all three credit bureaus, notating that a copy of the letters would be sent alone with a complaint filed to the Consumer Financial Protection Bureaus. It is my intention to get down to bottom of these daragotory accounts and get them removed from my account..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a new account on XX/XX/2019, after paying off a previously owed balance. Suddenly around the beginning of XX/XX/XXXX I was told by customer service that my account was on hold and to contact my branch. I contacted them and they said my account was scheduled to be closed but they had no date. I have not received any correspondence regarding this. I currently have over XXXX on hold and they will not allow me to access my money and I keep getting the the runaround. The branch says its out of their hands but customer service keeps saying I need to contact the branch. No one has helped me and they claim that there is no way to contact the department that is supposed to be closing my account. They just say I just need to wait but I need my money. It has almost been over a month and I have not had any access to 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 monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have three cards open with XXXX XXXX and I've asked before to not be called Monday- Friday between XXXX since I am at work. They continue to call multiple times through out the months during these hours and when I keep asking for them to stop and respect the time frame I give them I'm told they will make a note of it. Today alone I have received five phone calls from them and have not answered any of them due to being at work. I've asked before for them to call me back after XXXX Eastern time zone and they still do not relay this information to other associates there and keep calling me! 

As well when I have had the chance to answer the phone on the off chance they call again when I am able to respond they do not tell me where they are calling from at first and say I need to pay. Its slightly difficult to know which card they are referring when they do not say who they are calling from. This has happened since XXXX of 2018 where they no longer tell me who they are when I ask who Is calling they ignore me asking and say will you be paying this today. Its very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I had a credit card with Citi Bank that I would use at XXXX. I received by bill in the mail every month and promptly paid with a mailed check. In XX/XX/XXXX, I did not receive a bill and therefore did not notice until I received a telephone call in reference to collecting a bill. The company told me that I had agreed via email to online billing and should have paid the bill on line. I DID NOT agree to online billing, as it has caused me problems with two other companies in the past.

I told the company that if they would mail me a bill, i would pay for all items I had bought, but would not pay late fees or interest because I believe they fraudulently switched me to online billing. I then cancelled the credit card. 
I have since paid for all items bought, but have received two paper bills demanding late fees and interest, which i refuse to pay. 
The last two mornings, I have received two telephone messages demanding that I call them about this account. I will do so today, after filing 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 2019-03-01 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: GA

Complaint narrative:
There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX  Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: GA

Complaint narrative:
There are several things that are reporting on my credit file that do not belong to me. The following items are reporting on my credit as a result of identity theft. Please assist me in getting the following items removed from my credit file : 1. XXXX XXXX XXXX 2. Unknown Incorrect Addresses : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Incorrect Names : XXXX, XXXX Status Incorrect : I was never late on the XXXX XXXX Credit Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
The company is XXXX XXXX I am financing a car through them. I get paid on the 1 st of every month but my car note is the 23 rd. They have no grace period. My note was {$320.00} a month they raised it to {$360.00}. Being that I get paid on the 1st not the 23rd my payment is late. The late fee totals out to {$760.00} a month I can't afford thats amount. I explained my situation numerous amount of times they are not willing to work with me. They call me every day starting at XXXX untill XXXX XXXX  harassing belittling me about not paying my bills. I pay {$400.00} a month and still thats not enough. My payments are not going down at all. I feel im going deeper into a hole. It has to stop! I am a single mother I am completely XXXX out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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:
My personal information was stolen according to a letter from the IRS. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: DFC Global Corp.
State: FL

Complaint narrative:
it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX  XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX  XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been a Cabelas XXXX XXXX card holder for XXXX plus years. I had one issue during that period that was easily rectified. In XXXX 2018 Cableas switch to Mastercard, during this transition I received no statement so I called them, I paid them over the telephone and mailed the remainder total amount due immediately that same day. I have never carried a balance over my 30 years of having a card. 

Since then I received a new statement {$1200.00} new balance, no previous balance, but includes an interest charge, {$59.00}! the interest charge they claim is based upon a pre-projected amount I usually charge of {$3900.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Interstate Recovery Service, Inc.
State: CA

Complaint narrative:
Received a notification by mail from Interstate Recovery Service saying a debt has been assigned for magazines for {$940.00}. I do not owe this money. I sent a certified letter requesting proof of debt within 30 days of notice.. I did receive the return receipt. I also received another form letter identical to the first. No proof of debt mailed. I see online this is a scam company. Id like a complaint filed. I never have owed money to a company called XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
I submitted my endorsed XXXX insurance check, via Priority Mail, on XX/XX/XXXX, for a XX/XX/XXXX follow-up damage claim from a XXXX insurance company required contractor 's failing work. The amount of the check was over $ 20k and the check and documents were submitted in accordance with HomePoint Financial 's ( mortgage company ) instructions. My endorsed check and documents were received by HomePoint on XX/XX/XXXX. 

However, all the documents needed by HomePoint 's Loss Draft department weren't communicated to me all at once, which further delayed the lengthy processing of issuing a check to my contractor to start extensive repair work. I made numerous attempts in the coming weeks to follow up, via phone ( they wouldn't respond to my secure emails within their website ), on the status of the check being sent to the contractor before I got all the information needed to submit the many pieces of documentation they required to issue a check for less than both the contractor and I requested. The funds were urgently needed to allow my contractor to order materials and schedule me for an extensive repair. 

Every time I talk to HomePoint Financial, they go through a mechanical checklist with me and treat me like a number they don't care about. Worse than that, their story changes every time I talk to them on the phone. Nobody owns the case or follows through with anything in a timely manner to keep the ball rolling. Last Thursday, the contractor and I had started reaching the end our rope and I requested the Loss Draft department send the check to the contractor by the end of the day. They claimed they would pass the message along to their processor. In reality, the check wasn't sent until Monday, XX/XX/XXXX via untraceable regular mail, which runs contrary to their own guidance to homeowners. So, despite my numerous attempts to follow up and speed up the process so I wouldn't get pushed further down on my contractor 's schedule due to his growing workload, they sent a fully endorsed check to the contractor via regular mail ( I sent it to them with my signature via Priority Mail with tracking per their instructions ). Now the check is missing and they advised me to send it via XXXX or XXXX, I would have to pay for it. 

The contractor informed me this morning that he can not hold his current opening ( I've already slipped once due to delays caused by HomePoint ) for me if they don't receive the check today. Although I requested half of the check amount per my contractor 's business policy, HomePoint will only send XXXX and mandates imposing a monitored and inspected process to meter out the next two payments of XXXX each. HomePoint will not issue the remaining funds unless they inspect the contractor 's work 2 more times. So, I have to miss work and make arrangements for the " inspector '' from HomePoint to come to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
Attempted to buy vehicle out of lease. Nissan Motor Acceptance provided incorrect information on payoff procedure. They informed us that payoff could be handled through their office, when in fact payout needed to be processed through a Nissan dealership. 

They instructed us to send them a payoff check. Three different  individuals provided three different payoff amounts before settling on a final payoff amount. We sent them a payoff check for the agreed amount, which they did not apply. When we called to inquire why they had not applied the check, they did not timely provide information as to why. 

We specifically asked if the delay would negatively affect our credit. They informed us that it would not affect our credit. However, without sending us notification, they instead reported us late to credit agencies. 

When we requested that they review our numerous good-faith contacts with them to settle the lease contract, and to review our good payment history, they refused to removed the late payments from their credit reporting. 

Nissan Motor Acceptance did not provide correct payoff amounts to settle our lease contract. Nissan Motor Acceptance failed to provide correct information or procedures to turn in its vehicle. Nissan Motor Acceptance failed to apply funds that they specifically requested from us, and failed to communicate that they had not applied the funds. Nissan Motor Acceptance incorrectly stated that the delay in processing our payoff would not affect our credit. Nissan Motor Acceptance erroneously  reported us late to credit agencies. Nissan Motor Acceptance refused to reasonably review our good-faith efforts to settle the lease contract and correct our credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has mishandled numerous disputes filed pursuant to the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 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: CA

Complaint narrative:
I contacted the creditor ( XXXX ) directly and they agreed that the account information did not belong to me. I provided them with all documents requested and they sent me a letter stating I was not responsible for the debt. I forward the letter from the company to Equifax and they still would not remove the account. They actually made the account a paid collection which is hindering my FICO scores. It is not my account and it should not report on my credit file. It was a case of identity thief. 

I have proactively put a " Freeze '' on my credit file to help mitigate the risk of fraud. This is the third ( 3 ) time I have fallen victim to this crime and I am suffering financially every time I apply for credit. This is my  very last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MO

Complaint narrative:
On XX/XX/2019, XXXX XXXX erroneously charged me and withdrew an additional {$1200.00} from my checking account in excess of my due monthly installment schedule payment of {$220.00}. 

On XX/XX/2019 I received two separate electronic letters from XXXX XXXX, stating that my annual recertification for the federal REPAYE payment plan would be due within 10 days of XX/XX/2019. The federal REPAYE monthly installment schedule currently legally caps my monthly payments at {$220.00}. The letters XXXX sent to me on XX/XX/2019 stated that if I did not submit the completed REPAYE recertification documents within 10 days of XX/XX/2019, then my monthly payments due beginning on XX/XX/2019 would increase to {$1200.00} and {$270.00} for a total monthly payment due of {$1500.00}. 

On XX/XX/2019, XXXX XXXX erroneously changed my monthly payment to {$1500.00} in violation of the REPAYE recertification deadlines. On XX/XX/2019, XXXX XXXX   then erroneously charged me and withdrew {$1500.00} from my checking account. As today is XX/XX/2019 and the REPAYE re-certification deadline of ten days beyond XX/XX/2019 has not passed and it is clearly not yet XX/XX/2019, which was the date XXXX XXXX  stated the monthly payment might be increased, XXXX XXXX  had no legal right to increase my XXXX monthly payment to {$1500.00}. My legal REPAYE monthly installment schedule payment that I owe XXXX XXXX   remains {$220.00}. 

I expect XXXX Servicing to issue me a full refund of {$1200.00} to my checking account to address their billing and direct deposit error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
There is a XXXX credit card on my credit report that I have been disputing since 2017. This debt was closed out by XXXX. The debt was purchased, without my knowledge, and I was never notified of this, by Midland Funding. 
Midland Funding never made any prior written notification to me to make payment of this debt, which I dont owe. 
I live in a secure building with a consierge and somehow someone was able to get to my apartment door and leave a legal notice. Then, two days later harassed the front desk staff who had to make him stand outside my building, and continually harassed me with phone calls even though I wasnt even home yet. The company servered back dated legal papers of XXXX that I received XXXX, suing for a little over {$580.00} at 12 % interest rate, on a closed disputed debt without any prior notice to me. They waited to serve these papers, didnt have me sign for them, making it difficult to file any court responses appropriately. The documents have no case number that I have been able to validate, it hasnt been signed by a court Clerk of any kind, and the license for this company to practice is out of Washington State. This is a clear violation of my consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Debt was paid in full and still showing on my credit report

Company response to consumer: Closed with explanation