vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America and the over drafts fees were at totaling over {$500.00}, I was out and had some bills on autopay.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc.
State: NC

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Continue to call daily, to XXXX and XXXX I have asked for verification of the debt by email and by mail. Demanded they dont call again until I can verify this is a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 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: CT

Complaint narrative:
On Thursday XX/XX/XXXX capital one contacted me and unrestricted my account adjusted my balance but when i asked about the interest that was charged on my account for the XXXX weeks the balance was doubled from XXXX to XXXX they refused to give an answer. The rep then stated he closed my previous complaint but neglected to inform me that he opened a new one and restricted my account again. Gave no reason for the new case and requested I send identification documents drivers license proof of address bank, social security card statements and utility bills to an email upload request that doesnt state how they will ensure that my privacy and information will be secured and with al they security breaches they leave me subject to more fraud as my personal documents are being sent into an unknown location to an unknown person with no reason for why they require so many personal documents that are typically not shared even for a home mortgage. I gave the documents and he stated ill have to go back to waiting another 7-10 days for a response or next steps. My account was restricted for a new case no reason given and I cant stop auto pay or adjust payments, so no resolution was achieved yet the case was closed. Capital one appears to have done this to make the previous complaint go away even though they did not fix the problem or address the reason for the restriction. This is the 4th time I have called them in the last 8 weeks and each time a rep says someone will contact you in 5-7 day and no one ever calls back. They returned my call do to address my complaint but then closed the case and opened another case to continue to play games with the system and timelines to response to customer inquiries. They opened a new case to make themselves compliant with timeframes but they actually are not resolving the issue or abiding by their terms for disputes. THe restricition is just a way for capital one to force me to pay high interest rate for more than a year as i am unable to payoff the balance or do anything to the account and that is an unfair lending practice and then they make themselves unavailable so they can get away with it and play with dispute timeframes to continue to rack up interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Yesterday ( XXXX ), I was unable to make a charge, it prompted me to go into the Citi app today. When I went in, there was a red bar saying I was 14 days late. I had no idea I was late as I never received any communication about a missed payment. I immediately paid the entire balance today ( XXXX ). I dug in and found interest charges for XXXX, XXXX and XXXX. I never received a single email on a missed payment, but in the meantime Citi was charging me me interest. With AMEX, if a payment is missed, you receive a very explicit email that says you missed a payment and have been assessed a late fee. Again, I did not receive a missed payment email, I received a note on XX/XX/XXXX that made it seem like I was up to date and then actually received a letter in the mail XXXX and an email on XX/XX/14 about a credit increase - Citi raised my limit to {$27000.00}! Why would you give an increase to someone who hasn't paid?! I guess it was so they could charge me even more interest on purchases. When I called today ( XXXX ), the representative could only remove this month 's fees. When I asked to speak to a XXXX, she said she was the XXXX and that the next level of dispute is via a po box . I asked for an electronic alternative and she said there wasn't one - only fax. I can only imagine the impact of Citi 's practices on the elderly, low income and under-represented. I would not have thought of Citi as a predatory lender, but the lack of communication with customers is making me think otherwise.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: MI

Complaint narrative:
In accordance with the fair credit reporting act XXXXt account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open an consumer credit plan as late for any purpose

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 2022-05-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a incorrect hard inquiry on my credit report I am trying to have removed. The incorrect hard inquiry occurred on XX/XX/2021 and was reported in error to the credit bureaus by XXXX XXXX. I know you can not file a dispute online regarding a hard inquiry. In XXXX of 2021, I communicated in writing with XXXX XXXX regarding the incorrect hard inquiry and they agreed it was incorrect and I was told ( by phone ) they would report to the credit bureau ( Experian ) that it was incorrect but that they had no power to require Experian to remove the hard inquiry. It has been over 6 months now, and the false hard inquiry still remains on my credit report. I have tried to contact Experian by phone and email. The phone number does not allow you to talk to a human being and I have been unable to locate an email for Experian. If they refuse to remove the hard inquiry I would like to have a letter of instruction placed in my credit report to explain that this inquiry is in error. I will be applying for a mortgage in the near future and this hard inquiry is effecting my credit score.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
PHH Mortgage Services is demanding escrow payments far in excess of what is required to cover costs and offering no interest for excessive balances. They are, in fact, extorting interest-free loans from their consumers and have no justification for the charges. 
This past month, PPH Mortgage Services raised my monthly mortgage payment {$110.00} and provided false justification for this charge. I was told that insurance and taxes had increased and that there was a shortage in my escrow account that would need to be repaid over several months ( see pages 1 -2 ).

This is false. My monthly statements have never shown such a shortage ( see pages 3-4 ). In fact, I received a refund last year. They fraudulently write on one docum
ent the shortage is {$740.00} ( see page 1 ), and then they tell me it was {$400.00} over the phone. The repayment amount of {$62.00} is also random ( see page 1 ).

Indeed, there has been an increase in insurance and taxes this year ; however, it is less than half of what they are demanding.

PPH also randomly assigns minimum required escrow balances. For XXXX it is {$610.00} on one document ( see page XXXX, right column ) and {$920.00} on another ( see page XXXX ). For XXXX, they have a required minimum balance of {$770.00} on one document ( see page 6 ) and {$510.00} on another ( see page 7 ). Meanwhile, my monthly expenses are between {$410.00} and {$460.00} per month and balances sit far closer to {$2000.00} for many months of the year. 
Additionally, XXXX XXXX  themselves sent me a letter indicating that I hold {$59000.00} in equity on my {$210000.00} mortgage ( see page XXXX ). Yet they continue to charge PMI each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
Carrington Mortgage Service, L.L.C sent me their payoff statement listing several items including one item listed as " other unpaid expenses '' for {$5100.00}, which was included in the total amount of {$260000.00}, that was sent to Carrington.

I am trying to find out just what was included in this lump misc. figure listed above, with no success. I have telephoned Carrington and also faxed them a written request for this information, all to no avail. I have also contacted the new XXXX holder senior widow neighbor that I have known for some time ( she offered to buy this mortgage from Carrington, which she did, in XXXX  of 2021 ). Also, I contacted her local attorney - 3 times plus 1 personal visit, along with requesting this answer from the attorney that handled my side of this transaction. No one seems to know the answer. 
The new XXXX lady told me, via email, that she has no idea as to what this figure consists of. She went on to say that it was unlikely that her attorney would know the answer to this question. She followed up by stating,, and I quote : " The closing agent simply pays the payoff amount requested by the mortgage company '' end quote, with a suggestion that I contact my attorney that handled my part of this original transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
About a week ago, I submitted instructions to set up an external account for a transfer out of my Marcus savings account opened earlier this year. After verifying the XXXX test deposits, my account was inexplicably locked and I was asked to phone in. As of this writing ( XX/XX/22 ), I have phoned in XXXX times to attempt to release the lock. I was asked on the first XXXX calls to await a return phone call within THREE MINUTES. I waited at least 30 minutes in each case and no call came. The third call dumped me into a voice mail box was that not attended. On the fourth call I was put on hold several times and I told the agent that these are XXXX XXXX XXXXecovery funds and to hold them is UNLAWFUL per the UCC-1 filed by the XXXX. I was told the account was being reviewed and I should call back in 1-2 MORE business days. This is absolutely insane. This account only has a few XXXX dollars in it and this is Goldman Sachs? Wow. I will not wait around all day long for a phone call. Today makes 5 calls with the same result. They keep asking me about a prior phone number. I've had TWO phone numbers assigned to me ( same cell phone ) for the last 10+ years. I was told to call back in 1-2 days as they are still reviewing and would not tell me anything else ( even after pressing them ). This is insane for an account with about {$2500.00} in it. I now want ALL my money out of this account sent to the destination account I specified. Please see the XXXX  complaint also filed on this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had an AARP XXXX Credit Card from Chase Card Services ( account # XXXX XXXX XXXX XXXX ) for many years through to XX/XX/2021 XXXX which time AARP advised that they were transferring their accounts from Chase Card Services to XXXX  XXXX XXXX through XXXX. On XX/XX/2021 I mailed a check payment ( XXXX XXXX XXXX check # XXXX ) to Chase for the current statement for existing balance in the amount of {$350.00} I tracked the payment so that I would have a XXXX outstanding credit balance at the time the account was to be transferred to XXXX XXXX on XX/XX/2021. When I called Chase on the statement closing date of XX/XX/2021 the automated account information stated that no payment was recorded and that my balance was due. With this information, I wrote another check ( XXXX XXXX XXXX # XXXX ) to pay the {$350.00} balance in person at a Chase Bank branch. I didn't stop payment on the original check # XXXX which I thought would " cross '' the account and the check would be returned to me. This didn't happen. 

What happened is that my XXXX bank statement arrived by mail mid XX/XX/2021 showing that check # XXXX payable to Chase Card Services cleared my bank on XX/XX/2021. I began calling Chase customer service XXXX and was repeatedly told they did not have any credit card account under my name or account number and referred me to XXXX. XXXX was not able to help. Their account information was that I had a XXXX credit balance transferred from Chase on XX/XX/2021. 

I had tried to find the way to file a complaint sooner but could not get the correct website information. Today I called the XXXX XXXX XXXXXXXX XXXX XXXX XXXX number and was able to get a representative who gave me the information for Consumer Financial Protection Bureau. I want to have my duplicate payment returned in the amount of {$350.00}. I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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