vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.

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 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Checked my balance the morning of XX/XX/2018. Showed an available balance of {$28000.00}. I walked into the branch located on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX to conduct business and get a cashier 's check in the amount of {$14000.00}. The teller, with her supervisor named XXXX denied my transaction. Her grounds were that the money was processing into my account and she could not negotiate it. The money was available and i was actually able to withdraw {$13000.00} in cash from the teller- but they would not accept any more withdrawals from my account- even though the receipt i received from them showed a remaining AVAILABLE balance of {$15000.00}! I asked her for an additional {$1000.00} and the supervisor refused the transaction. I immediately walked over to the ATM inside the bank- withdrew the remaining {$1000.00} and asked to be served with a cashier 's check for the amount of {$14000.00} which i now held in cash in my hand. XXXX once again refused service on the grounds that she " knew what i was trying to do. '' The complaint is twofold : i was denied available cash from my account and i was denied a cashiers check with cash in my hand.

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 2018-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I want to inform you of Capital Ones unfair reporting practices. They have been reporting a sold charged off credit card account ( XXXX ) in my name to the credit bureaus. They sold the account XX/XX/15 to The Bureaus ( XXXX ), but have been reporting it to the bureaus as a Capital One debt with a balance owed that is still open to this day. They sent me a letter stating they were sorry and would remove the account. However, the account is still being reported. ( Proof is Attached ). This is considered double or unjust enrichment by federal law and is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a second mortgage loan that was charged off in XX/XX/2009 in the amount of {$29000.00}. At the onset the loan was owned by Chase Mortgage whom I modified the loan with. Due to the charge off portion of the loan, Chase maintains a lien on the property. I contacted Chase to settle the debt through the sale of the property. Chase informs me that they have sent the loan to XXXX XXXX XXXX company who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX contacted me 2 times on 2 different numbers XX/XX/XXXX trying to collect a debt. Called them back XX/XX/XXXX and explained i did not receive a debt validation notice from them. Continued to ask about personal information and how i would like to handle this debt. I told them they were in violation of FDCPA and not to call me any further. XXXX XXXX XXXX number calling me.. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
We contacted AmeriSave on XX/XX/XXXX, requesting information on products that they offered for non-owner occupied loans for two residential properties. First, we spoke with a representative, XXXX XXXX. We asked him if we were eligible for these loans, given that the title on the properties may be in the name of our XXXX XXXX XXXX XXXX. He assured us that he would check first before we initiated the process as he didn't want us to pay for an appraisal if it wouldn't go through. XXXX stated that he verified this information by checking county records and checking with his colleague. We started the process, submitted the initial application and scheduled the appraisals on XX/XX/XXXX. On XX/XX/XXXX, after the appraisal was completed and we paid for it, they stated that they could not work with us on one property as the title listed a company and not individuals. This was the specific question we asked before even moving forward with AmeriSave. It ended up that we wasted time and money on an appraisal for one property that wasn't applicable. The second property was eligible, so we decided to move forward with the loan process and providing them with an abundance of documentation. 

Through the month of XXXX and up until even today XX/XX/XXXX, AmeriSave has made our lives miserable and required 7 separate conditions from the underwriter. Some included full 12 month mortgage verification on a property completely unrelated. All property HOA and HOA bills ( twice ), insurance documentation, and more. I had complained that this was highly unprofessional, some conditions ( items requested ) were already sent and in their possession ; yet they requested it again anyways. Still, they continued exercising us constantly. We complained to management, and they told me that the underwriting manager as well as the loan officer 's manager were both involved. They came back with a final condition for full tax returns on two companies that we have ownership in. We submitted this final information on XX/XX/XXXX. I have called the loan officer responsible for our case everyday since then. I have left voice mails. She is very familiar with me, but I have received no response back. I have sent various e-mails, and still have received no response. They have gone completely dark and I can not contact anyone regarding my loan or what the current status is. I have been bullied throughout this process, have paid wasted fees, and taken time out of my busy schedule to bend backwards for them on multiple occasions. I have been proactive throughout this entire process, with me always reaching out to them, instead of vice-versa. I have run out of options, and can not stand for the unprofessional and uncaring attitude that is apparently systemic throughout this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: CITIBANK, N.A.
State: KS

Complaint narrative:
On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a Visa card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a Sears/Citibank account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact Sears/Citibank. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a XXXX loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from Sears/CBNA in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted Sears/CNBA to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks

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 2018-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I stayed at the XXXX XXXX XXXX in XXXX, OH. I paid through XXXX. When I checked in, I was told that I was paid in full and that they just needed a credit card on file. I checked out 3 hours later for an early morning flight and was told by front desk that I was " good to go. '' I later noticed that I was charged {$78.00} by XXXX and {$62.00} by XXXX XXXX. I tried contacting the hotel 3 times with no one answering the phone. In XX/XX/XXXX, I disputed the charge with Capital One online and over the phone. On XX/XX/XXXX, the charged was rebilled to my account. I called on XX/XX/XXXX and was told they had sent a letter on XX/XX/XXXX saying they needed more information but had received no response. I never received the letter. The agent told me that I could have emailed in the XXXX email that I have saying that I had paid my bill in full if I had sent it before the dispute was closed. When I initially disputed the charge, I asked to email in the document and was told that I couldn't do that. Capital One told me that because the dispute was closed because of my inaction there was nothing to be done. They never emailed or called me to see if I had received the letter before closing the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-06 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: CA

Complaint narrative:
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

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 2018-02-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: CA

Complaint narrative:
On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXXbut got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

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 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
INNOVATIVE RECOVERY HAS HARASSED ME FOR YEARS FOR SOMETHING I DO NOT OWE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: FL

Complaint narrative:
Experian Credit Bureau continues to have fraudulent information/accounts on my credit report. I have disputed these accounts several times and their re-investigation process is against the law. They refuse to re-dispute after an account is verified as accurate and even goes so far as to call the claim frivolous. I have had these accounts verified and removed by XXXX and XXXX   after being deemed fraudulent : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX/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 2018-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: McCalla Raymer Leibert Pierce, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX, XXXX from XXXX XXXX XXXX ( XXXX XXXX, NV ) called me regarding information regarding my mother stating there was a legal file to review ( I have the voicemail saved ). 
XXXX XXXX XXXX ( XXXX XXXX, NV ) Asked me to call XXXX I returned the call and XXXX answered the phone and shared my mother 's full name, address, date of birth with me before asking if she was speaking to the correct person. Further identifying that there was legal documentation/courier that was sending information regarding a civil suit. They then asked me to verify her social security number over the phone. I refused. She notified me that documentation would be mailed to the address she had confirmed earlier. 

I later found out that XXXX XXXX XXXX did the same thing and called my sister. They harassed my sister who lives in another city regarding this practice as well. XXXX XXXX XXXX began to harass me and my sister, on an alleged debt from XX/XX/XXXX or before that they believed occurred by my mother. 

This course of action inspired my mother to call this agency and after threats made to her about an alleged secured debt that incurred in early XX/XX/XXXX. To find out more information regarding this alleged debt, they tricked her into what she believes would restart the statute of limitations. 

These actions are completely ridiculous and should be actionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XX/XX/XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks

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 2018-02-06 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: KS

Complaint narrative:
On XX/XX/XXXX we purchased appliances from our local XXXX XXXX store for delivery on XX/XX/XXXX. I produced a XXXX card to pay for the appliances. The store manager offered 5 % off and 12 months same as cash if we applied for a XXXX account. We agreed and the manager tried to enter information to process this. He seemed to have technical difficulty and there was a line that day. The total of our purchase was {$4700.00}. We received the appliances on XX/XX/XXXX. We did not receive any bill or statement for approximately 45 days. I went to the store and asked the same manager why we had not received a statement. He gave me a toll free number to contact XXXX. I did so. They asked me for my account number. I told them I did not have an account number but gave them all the information from my receipt. They stated they could not find an account. I went back to the manager and told him the situation. He stated it could take several weeks for them to process a new account and since it was 12 months same as cash, as long as we paid the balance in full by XX/XX/XXXX we would be fine. We received no statements, bills or collection notices. We applied for a farm loan. We received a call from the bank that ran our credit history. He stated there was a " charge off '' from XXXX in the amount of {$5900.00} dated XX/XX/XXXX. This occurred on XX/XX/XXXX. I contacted XXXX to pay my account in full ( the original {$4700.00} ) but they said they no longer had our account. They sold our account to XXXX XXXX XXXX, a different company. I contacted them. They stated they would only accept full payment in the amount of {$5900.00}. They also stated they would not delete derogatory information on our credit reports even if we paid the accounts. This is not right. Please help us! Thanks

Company response to consumer: Closed with explanation