vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XX/XX/XXXX PenFed Credit Union XXXX. XXXX XXXX XXXX NE XXXX Reference : PenFed XXXX XXXX XXXX card ending in XXXXimproper application of payments To Whom It May Concern : After reviewing my credit card statement ( s ) and speaking with numerous representatives at PenFed, it is my belief that you are not only improperly applying payments but also blaming government regulations for requiring you [ PenFed ] to apply payments in this manner. 

For instance, on the above stated credit card account, the following balance transfers were made based on a 0 % promotional financing offer : XX/XX/XXXX {$4700.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$5500.00} 0 % Promo expires XX/XX/XXXX XX/XX/XXXX {$2900.00} 0 % Promo expires XX/XX/XXXX Being that the first two balance transfer promo rates expires on XX/XX/XXXX, I have been paying large payments to get those paid off. Unfortunately, for some reason that NO ONE at PenFed has yet to explain after numerous calls and sitting on hold for excessive periods of time, the payments are being applied to the XX/XX/XXXX balance transfer rather than the soon-to-be expiring XXXX promo expiration amounts. 

My understanding of the regulations that your employees are quick to blame are that payments should be applied to highest rate items and then to promotional balances if a payment is made that exceeds the minimum payment. Basically, the principal is that the consumers payments are applied in a manner most advantageous to the consumer. Even if that is not the case, why would PenFed take the most egregious method to the consumer to apply large payments to a promotional balance that expires 7 months after the promotional balance that I will soon be penalized for not having paid off before the 0 % expired? 

I do expect an answer and I would encourage a more thorough training program for your employees so that proper remedies or explanations can be provided to your customers. A simple the government makes us do it that way may work for some but it doesnt for me. 

Further, when a customer calls with a complaint or issue with their account ( s ), it should be escalated per the regulations that are quickly blamed versus telling a customer it will be checked in to and then nothing happens. 
I can be reached at XXXX or XXXX. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL 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 2021-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I contacted Ability Recovery several times throughout XXXX & XXXX respectively. Most recently I spoke with their representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have provided the collection agency with dispute letters, fraud reports with local law enforcement as well as an FTC fraud report.

Ability Recovery has reported this debt under different account numbers with various dates of assignment and first date of delinquency all of which conflict with one another indicating that not only has Ability Recovery attempted to collect on an invalid debt but that they are also in violation of the fair credit reporting act in that they have intentionally re-aged this debt. 

This debt was also concurrently attempted to be collected in XXXX and XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX however the agency sent a letter of correction both to myself and the credit reporting agencies.

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 2021-08-24 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: TX

Complaint narrative:
Unauthorized reporting and inaccurate accounts reported from my credit report.

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by XXXX XXXX XXXX. Last month, all the credit reporting agencies including Equifax finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from Equifax today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, XXXX XXXX and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency Equifax is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
my card was missing approximately a month now in the month of XXXX I told navy federal this despite in hopes they would resolve the issue. I did not notice the transaction on the card and was shocked to find I had no access to my account so I contact navy federal in hopes to get this fixed. they did there investigation and I wrote a statement about the situation about it. I was still found liable I am disgusted by the service I received they were vague on how they determine this and even said someone called in with a voice that did not sound like my own. so how am I still liable for this when there is clear proof someone else was accessing my account. I am a war veteran is served in XXXX and I thought navy federal was a good bank FOR VETS BUT CLEARLY THAT IS NO THE CASE. the bank had the audacity to tell me to find a way for me to prove I didn't do it I was so disgusted by there statement telling me I had to appeal there decision and wait longer so my card can accrue more interest. I'm just so upset with this whole situation I have better service from regular banks. no to mention there security department is a 2 hour wait just to get in touch with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Please answer each Fact stated in the Affidavit of Truth attached hereto. These and all other attachments/ Exhibits were received by Wells Fargo XXXX XX/XX/2021. Attached is also proof of delivery.

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Throughout the years, i've had to file against the credit bureaus due to inaccurate reporting of the facts regarding a collections from XXXX that is handled by Jefferson Capital Systems. Last month, all the credit reporting agencies including XXXX  finally removed this item from my report. As of today XX/XX/2021 my credit report shows there are no collections, zero. I am writing to you because there is a collection by mail from XXXX  today and this is misreporting, unlawful, damaging top my perfect credit history and unlawful. 
Please see the attached documents. As it stands, Jefferson Capital and XXXX have been wrong all along and I have submitted much paperwork to prove it. It is unfair to report both things as true and false at the same time, therefore it is inconclusive and inaccurate reporting and it needs to be stricken and removed from my public record and report immediately. I find it appalling to see how these collection agencies do not ever do any thorough investigation as items keep getting placed back. This inaccuracy has been made public and it tis time to stop! As I see it, the credit reporting agency XXXX  is wrong in reporting inaccuracies and at the same accounts as closed and removed and opened and current at the same time ; Inaccurate, damaging and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I as many other homeowners struggle with making my mortgage payments. I happened to have to file for bankruptcy protection a few months before COVID hit.

I have applied twice now for a modification and Caliber keeps marking the modification as incomplete and closes out the file.

I have submitted my application for a third time with Caliber and hopefully they will actually modify my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My business is buying and selling clothes online, all through Paypal. 

XX/XX/21 : I sold a hoodie for {$850.00} on the website XXXX. I have been buying and selling on XXXX for over a year and a half. XXXX is a very big company and works directly with PayPal. I have never had an issue from Paypal regarding any buying or selling on XXXX. 

XX/XX/21 : Paypal limits by business account and says they need for information to verify my business. I submit screen shots from my XXXX account of my purchases that were later sold on the same website. All buying and selling has been through XXXX and Paypal. I also submit my driver 's license and a description of my business. 

XX/XX/21 : Paypal says that after a review, they have decided to permanently limit my account. The {$850.00} in the payola account is now on hold for 180 days. 

XX/XX/21 : Around XXXX XXXX  noon, I talk to XXXX at Paypal. She is a manager and says that a human at PayPal looked at my information and permanently limited by access to my business account. I asked her to look into it and she says that they will but they can't tell me why it was limited. She says it'll take 24-48 hours to get an email. 

XX/XX/21 : I have not received any reply back from Paypal, the {$850.00} that was going to be used for rent is now stuck for 180 days, and nobody will contact me. The hoodie has been delivered to the buyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one is going against FDCPA values by accusing me of owing {$6100.00} in credit card debt. This has went onto my Credit and is ruining my reputation as a consumer. Capital one has performed unauthorized use which according to 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: ERC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
I have a collection account with IQ data international. It has come to my attention that this company has been communicating with my daughter about my account without my permission. They violated my privacy laws and negotiated terms with a third party without my knowledge. I have never given them permission to divulge my personal information to a third party let alone discuss the terms of which. This company also took it upon themselves to unlawfully apply interest to a tenant bond account that did not have a judgement placed prior. These people spoke about my account with a person that had no jurisdiction to do so. This is horrible and I hate to make this public but this had to be said.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!

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 2021-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/2021, I attempted to freeze my credit via Experian. The US FTC XXXX XXXX XXXX XXXX XXXX  at https : XXXX  ) indicated that this would be a free service. 

Summary : Experian appears to intentionally force consumers into buying their paid credit lock service. 

Specific problems : 1 ) Experian has a " Credit Lock '' service, which is paid ( see https : XXXX ). In small print, the Credit Lock site says that the service is separate from Experian 's credit lock ( Security Freeze ) request site. ( see https : //XXXX  ). It seems to be a 'bait and switch ' 2 ) After completing the online request form on Experian 's Security Freeze site ( https : XXXX ), including my social security number, I was presented with an error message that said I was missing my SSN ( but I entered it, using the option to see the entry I was making ). I believe the error message was intentional 3 ) Experian requires a written request to a Texas XXXX XXXX address. While my request is all about preserving security, Experian offers no guarantee that this process is secure 4 ) Experian offers an automated phone tree ( IVR ) which requests identifying information ( SSN, 1st digits of street address, zip code ) and then presents an error message. There is no option to speak with anyone.

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 2021-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with JPMCB for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I mailed a letter to the credit bureau on XX/XX/2021 then another one on XX/XX/2021 regarding wrong accounts on my report. It is now 56 days from my first letter and I have not received anything from them pertaining to my disputes. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: DE

Complaint narrative:
I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 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: DE

Complaint narrative:
I have sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!

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 2021-08-24 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
The complaint is with Southwest Credit Syste. They are garnishing a XXXX dollar debt on XXXX, XXXX, and XXXX. After receiving my cease and desist they have still contacted me multiple times and have negatively impacted my consumer report which further impacted my life. The account was opened XX/XX/2021. Southwest Credit Syste who is based out of XXXX, Texas have broken many laws under 15 USC 1692. And continue to break them with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XXXX XXXX XXXX  I reached out to Chase Auto Finance 's Military Specialist to apply for SCRA benefits as I am needing an early lease termination due to my husband and I being stationed overseas in XXXX, XXXX per his military orders until XXXX. ( We are leaving for XXXX on XXXX XXXX XXXX  ). I provided Chase Auto Finance with his military orders which included clearance for me to travel to XXXX with him. I received a letter today XX/XX/XXXX postdated for XX/XX/XXXX in which Chase Auto Finance denied SCRA benefits including early lease termination because my husband is not the primary account holder and we do not reside in a community property state. I phoned Chase Auto Finance to discuss issue and they were unable to help. Their only offer was to go through the civilian early lease termination process which is going to result in about {$6000.00} out-of-pocket expense for my husband and I. Despite discussing the issue with several customer service agents and military specialist agents they were unable to help any further, despite Chase touting it's support of military service members and their families. 

I have always made my payments on-time and in full. I am currently not employed due to being stationed overseas with my spouse and this proves a financial hardship for us. As a military family we face a number of challenges, having issues with our auto leasing company due to being stationed outside the US should be the least of our worries.

Company response to consumer: Closed with non-monetary relief