vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 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: IA

Complaint narrative:
I was advised that my introductory rate had ended and my minimum due was going up. I accepted the situation and paid early and a little more than required. My balance went down by {$27.00} after interest and my next month 's statement with no new charges and the same 16.49 % for standard purchases an 26.49 % on cash advances went up by {$34.00}. 
When I spoke to 1st member of management I was told I had not paid my first two payments and that I paid the wrong amount because I paid what showed on my statement and more before it was due. I was told I did not make the correct amounts, though I had statements showing what was due and having paid more each month. 
The 2nd member of management advised that I had paid correctly all along but that with my balance going down and being charged the same interest rates my minimum payments would again increase by 62 % over the previous months interest. 

XX/XX/XXXX statement showed {$110.00} minimum due on {$5400.00}. I was charged {$57.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 29 day billing cycle. ( {$1.00} a day in interest ) No new charges added.

XX/XX/XXXX statement showed {$140.00} minimum due on {$5300.00}. I was charged {$92.00} in interest ( 16.49 % x {$4100.00} and 26.49 % x {$1200.00}. ) 33 day billing cycle. ( {$2.00} a day in interest ) No new charges added I was advised that if I paid more than the minimum due and paid before due date that my next payment would go up by over {$40.00}. When asked for clarification I was told I just don't understand cards and I could not begin to understand the interest. I asked if the amount owed was less and the interest rate the same how my payments could be going up every month when there were no new purchases according to their statements. I was told you just don't understand and you need to take us on our word because we are the credit card company. 

This is on a XXXX XXXX XXXX Card by Citi.

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 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Works & Lentz of Tulsa, Inc.
State: OK

Complaint narrative:
Receiving multiple calls and leaving voice mail to call XXXX XXXX XXXX from Works and Lentz.

I have notified this company I have no collection debts and have notified them in writing to cease and desist as well as filed multiple complaints with CFPB regarding this debt collection company contacting for debts that are not mine.

Multiple Cease and Desist as well as Identity Theft Affadivits have been provided by myself and CFPB as well as all Credit Bureaus.

I am also receiving robo calls from this company and I am on The Do Not Call List.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: MN

Complaint narrative:
ON XX/XX/XXXX Capital One took out a payment of {$25.00} and another payment of {$50.00}. Which on their mobile app I cancelled both payments due to the fact that I realized that I did not get paid till XX/XX/XXXX and funds would NOT be availble at that time. I then post poned a payment to be taken out on XX/XX/XXXXfor {$25.00}. I checked my bank account on XX/XX/XXXX and showed that I was hit with 2 NSF charges from capital. ( so i cancelled that payment for the XX/XX/XXXX payment of {$25.00} ) I quickly looked at my capital one app and shows that they still pulled out of my bank account even though I cancelled my payment with them. I called XX/XX/XXXX they stated nothing they can do what is owed is owed. On XX/XX/XXXX I contacted them again and they again stated that nothing they can do that there was no cancellation on there end and I told them that I was on there app and cancelled both payments. ( my payment is due on the XXXX of every month. And I have always paid either before or 2 days later and NEVER been hit with a late fee from them ) That their must have been a glitch on  there end. I have never been late with a payment nor have i ever been hit with an NSF charge before from my bank account. They transfered me to another agent and the agent didn't want to listen to what I had to say. Said we can credit your account the {$25.00} for late payment but the return of the XXXX nothing they can do. Stated my bank sent them notification stating no funds were available on XX/XX/XXXX which my funds were available on XX/XX/XXXX. I stated I can fax them a copy of my statement showing when I transferred money into my savings account and the day that it was transfered, he stated that won't matter and to contact my bank. I have asked for them to credit my account for what they have tried to pull and to refund me or credit me the NSF over charge fee from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
We received letter from Chase Bank the interest rate on our Chase Slate credit card was being increased. This would be fine except the reason stated was " because your APRs are below the lowest APRs we currently offer on similar account s ''. As our lowest APR rating is XXXX I called XXXX and spoke spoke with XXXX to inquire what their lowest rate was. I was told this was just a rate increase notice my credit rating didn't matter. I want to know why they can put in writing a suggestion my credit is less than acceptable? I have worked hard to acheive a great credit rating and don't want Any adverse. Suggestion to hurt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: GA

Complaint narrative:
I've recently challenged the accuracy of a public record that's being reported by TransUnion via letter, in which you'll find attached.

I'd requested names, addresses and contacts for those who reported the information. After their investigation, I've been told that the business name, address and contact of the '' furnisher ( s ) '' can be found in the investigation results. According to the attached, Georgia Federal Court- XXXX furnished the information with an incorrect address as well. Neither have I been provided documentation bearing my signature, as requested.

I'm asking that this matter be resolved in a timely fashion due to the fact it has hurt my ability to purchase a home.
I have attached all evidence of my efforts and the response. I have even placed a security freeze with XXXX XXXX. Thank you, in advance, for your time & effort in this matter. 

Kind Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: U.S. BANCORP
State: IN

Complaint narrative:
I deposited a check into my US Bank checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called US Bank last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.

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 2018-02-23 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: TN

Complaint narrative:
i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit

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 2018-02-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I received notification from XXXX XXXX Telling me that someone had intended to open a XXXX XXXX credit card on my name, it was declined. Then I received and email from XXXX XXXX telling me that they had detected several attempts to use my personal information to open several accounts as well as my personal information was stolen and sold to third or forth parties. Please look into this matter and let me know. For yor information, I know that my credit rating is poor and I have not applied for any credit in more than 4 years. Thanks for your time and consideration and may the XXXX XXXX be with you.

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 2018-02-23 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: WA

Complaint narrative:
I have a monthly automatic payment on the XXXX of every month from my checking account with XXXX to my Capital One Quicksilver credit card for {$390.00} dollars. After logging into my Capital One account this month in XXXX, I noticed my payment had not posted but with XXXX it clearly showed as payment sent. I contacted Capital One several times to no avail. With the issue unresolved with Capital One, I contacted XXXX who provided the ACH trace number. I asked XXXX to conference in Capital One and they did. Capital One denied receiving the payment while XXXX swears they sent it. XXXX representative provided several numbers to Capital One who still denied receiving it. Capital One finally agreed to conduct an investigation on the issue. XXXX refused to provide the proof of the ACH trace number in writing. A few days later I contacted Capital One for a status update and an account manager stated they are back logged and it may take 2-3 billing cycles to fully investigate the issue. I asked them if I would pay interest on the {$390.00} as I like to pay the statement balance every month and Capital One said yes I will have to pay interest on any amount of the last statement balance left unpaid carried over to the next cycle. I informed the customer service agent with Capital One that the trace number, according to XXXX, is as good as a receipt but the agent refused to honor it and said I will have to pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: TN

Complaint narrative:
i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses

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 2018-02-23 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: TN

Complaint narrative:
i Sent certified letters to the credit bureau over a the course of time for the last 3 months and haven't received any responses

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 2018-02-23 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: FL

Complaint narrative:
EQUIFAX, XXXX XXXX XXXX Ga, because Equifax won't remove the hard inquiries, XXXX XXXX and XXXX  will not either. 

After cleaning up my credit in order to purchase a home, Equifax place a freez on a credit line costin me points needed to qualify for down payment assisantance, then placed a massive amount of Inaccurate Hard Inquiries, During a period of rate shopping for a home in XX/XX/ inquiries where made on my credit report. Some inquiries where duplicate inquiries. I later found that this was being reflected on my credit report. 
This is the 2nd time I have contacted all three credit reporting agencies requesting the removal of Hard Inquiries from my credit report. As a result of a failure to comply with the requirements of the FCRA, I have suffered, and continues to suffer, actual damages, including economic loss, denial of credit, lost opportunity to receive credit, damage to reputation, invasion of privacy, degraded social standing, and emotional distress XXXX XXXX XXXX XXXX NOT AUTHORIESED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX DUPLICATE INQURY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX REQUESTED REMOVAL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX MULTIPLE INQUIRES XXXX/XXXX XXXX XXXX REMOVE INQURY XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX  XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX REMOVE INQURY XXXX XXXX XXXX XXXX XXXX CA, XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. I have worked very hard in cleaning up my credit and have suffered the cost of losing bond money as a 1st time home buyer and still suffer of having to pay a higher interest rate due to hard inquiries. There are also Zombie accounts that keep being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/ I wrote a letter to XXXX XXXX explaining that my payments are late because of a loss in the family and I had to help with funeral cost. I ask the company if they could stop interest and not let my account go into collection. I received a response back that had nothing to do with my issue as stated in my letter. Today XX/XX/ I spoke to a representative who did not give his name but was not understanding the issue that I was stating. I told him that I was only able to make a payment of {$100.00} starting in XXXX because of my financial hardship I'm going through with helping my family with the loss of my loved one funeral cost. He stated that I have to make the mim payment of {$900.00} and I told him I do not have the money because of my financial hardship. He said then my account would be closed. Which I don't think is fair because they are not trying to help or be understanding of my situation.

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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
" XXXX XXXX '' Date Opened :XX/XX/XXXX.Original Creditor : " XXXX ''. And " Trident Asset Management '' Date Opened : in XX/XX/XXXX. I've Filed a FTC report of Identity Theft Report and sent it to all three bureaus. XXXX XXXX Or Trident Asset Management Has not Validated This Acct with A signature or legal contract of acct being mine. XXXX XXXX  has Deleted them items after my report and not validation. But XXXX said the acct will stay on record until XX/XX/XXXX. So I'm sending out another Validation Request and filing a complaint with the CFPB as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WI

Complaint narrative:
My loans have been in deferment because I am in school. This semester is the first that I am not a full time student. I received an email at XXXX this morning ( XX/XX/XXXX ) from my loan servicer that I had a new billing statement. The billing statement was dated XX/XX/XXXX and stated that I owed over {$1200.00} and that it was due on XX/XX/XXXX, which means that I am delinquent without ever having had a chance to pay the bill. 

When I contacted the loan servicer today, they could not explain why this had happened nor did they suggest a solution to the delinquent payment. The supervisor I spoke to essentially told me to sign up for an Income Driven Repayment program and that if approved, they would " forgive '' the delinquency. No other solutions were offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX  last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.

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 2018-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/ I wrote a letter to XXXX  explaining the financial hardship I'm going through due to loss of a family member and helping with funeral cost. I asked them to accept a reduced payment for the next 2 months on my debt starting XX/XX/XXXX.I stated that I was not able to meet the current payment of {$160.00}. I will pay you {$50.00} per month during this emergency starting in XXXX. And I also asked if they could not send my account into collections and stop interest. The company has responded but did not state that they would assist me during my financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a old child support case on my credit report from over 10 years ago and it keeps on updating wrong information about this account

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