vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Trans-Fast Remittance LLC
State: CA

Complaint narrative:
On XX/XX/2019 I contacted Transfast to transfer {$85.00} from the US to a bank account in XXXX XXXX to pay for maintenance work done on a property my family owns in that country ( Transaction Number : XXXX ). I spoke to a Transfast service representative about some difficulties I had with the website as a part of using their service. Neither the website or the person I spoke with gave me any indication of issues with transferring money to XXXX XXXX. Late in the day on XX/XX/XXXX I heard from the recipient of the money that the bank in XXXX XXXX would not release the money into the recipients account until they had received a laundry list of items including : A photo ID, A letter with an original signature that explained my relationship to the recipient and why I am sending that person money, and a legal document indicating the origin of the money such as a tax return. 
These would be difficult to accomplish if I was in XXXX XXXX, from the US it is pretty much impossible to do, especially in a timely manner. The morning of XX/XX/XXXX I received and email from Transfast letting me know that my transaction was complete. I immediately called the service number and explained the situation to a representative and asked if there was any way that they could reverse the transaction. He politely explained that they are not responsible for the rules that apply in the receiving country. and there was nothing that Transfast could do. Legally I am sure that is correct. However, morally and ethically I believe that Transfast, as a company that specializes in moving money had a responsibility to be aware that XXXX XXXX has special restrictions on the transfer of funds that would likely result in the funds not being available and to give customers a warning of those special restrictions before they proceed with a transaction. The result of this is that I have spent {$90.00} ( {$85.00} transferred + {$4.00} fees ) that I can not get back and the recipient can not access ; essentially the money is gone. Transfast has their service fee and they are done. To add insult to injury, the Transfast email alerting me that my transaction was complete included a link to a customer satisfaction survey. After I spoke to the customer service representative I clicked on the link and it took me to a page that said the survey had been closed. Although technically the money transfer is not complete because the funds have not been deposited into the recipients account and are now stuck in limbo I fully expect that this will be an expensive lesson learned. I can only hope that by sharing my story here that others will not make the same mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This complaint is regarding a balance transfer with my Capital One credit card. 

On XX/XX/XXXX i initiated a promotional balance transfer with my Capital One Venture card. 
The amount was for XXXX. The fee was 2 %. ( {$140.00} ) The Promotion was suppose to be 0 % APR until around XX/XX/XXXX. 

After the BT was completed, i was charged interest starting in the next pay cycle. 
On XX/XX/XXXX i noticed i had to pay {$91.00} in interest. 
I figured something was wrong, but i did not want to accrue more interest, so i paid off the balance. 

On XX/XX/XXXX, i received a letter from Capital One letting me know they had made an error, and that they would refund me the interest, but charge me the {$140.00} fee. 

By this time, i had already had to look into other solutions to pay off the deb so that i did not continue to accrue interest. 

If Capital One had processed everything correctly, there would be no complaints. But they made an error, and i in turn made a decision not to accrue more interest on my card. They realized their error, fixed it, and still charged me a fee after i made corrections on my end. 

This is not good business. They advertised a 0 % promotion, which i gladly accepted, and then they charged me interest. Then they said there was an error, and then charged me another fee after i took action. 

I called them in early XXXX, got transferred 2x, and then spend an hour on the phone talking to someone that would not help waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My compaint is not about the mortgage, it is to report a scam. Someone named XXXX XXXX, with an XXXX accent, contacted me and identified himself as a TIAA loan officer. He knew, or guessed, that i was behind on my mortgage and threatened foreclosure unless I made a payment. He said that I qualified for a " HAMS '' program which would lower my monthly payment and interest rate but in order to begin the process, i had to pay {$1100.00} up front, which he said was my negative escrow balance. My wife and I decided that it would be best for us to have lower payment so we decided to go ahead and proceed with the payment. After paying the balance in full, using XXXX XXXX gift cards, they said we would receive new loan documents in the mail. It wasn't until a few days before our first scheduled " mortgage '' payment that we became suspicious and " googled '' their contact number, XXXX, and found that other people had been scammed or almost scammed by the same XXXX XXXX and his " supervisor '', XXXX XXXX. So now I've thrown away {$1100.00} and I'm three months behind on my mortgage and it will be a struggle to catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: LA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am 120-150 days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
i dont owe them money. I recently got this phone number and they keep calling my number at least 3x a day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This is my second complaint to CFPB about Midland Funding. They are yet to verified the debt that they have listed on my credit report. At first I felt as if CFPB had failed me until all the state participated in a lawsuit about the horrendous participate that this organization have been using to collect debt. I am happy this was brought to light. In the case of State of Indiana along with 40 other States include Georgia ( My home State ) VS Encore Capital Group Inc, Midland Funding LLC  and Midland Credit Management In The XXXX County Circuit/ Superior Court dated XX/XX/2018. Midland Funding   did not follow the " REQUIREMENTS TO COMPLY WITH ALL APPLICABLE LAWS, '' ( begins at page 4 onward in attached document ) when they were harassing me for a debt that they are yet to verify, which in violation of FDCPA. Midland is yet to provide ORIGINAL ACCOUNT-LEVEL DOCUMENTATION.

I would like for Midland Fund to provide all that is listed in the " ADDITIONAL REQUIREMENTS RELATED TO DEBT COLLECTION, '' ( begins at page 7 onward in attached document ). If not they should delete the negative items from all credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with 3 different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Hello, I have a credit card with Barclays Bank. It is a XXXX Mastercard. While it was in my name, my ex husband ran up a ton of debt, than stopped paying it. I have been trying to pay it, and they will not allow me to. It is no longer at the collections agency so I can't pay them, nor does the original creditor have the account, so I can't pay them either. They are destroying my credit but will not allow me to fix it. My account is somewhere in limbo, and despite numerous phone calls to both the collection agency and creditor, I was still told that I can't pay this debt. It is unfair to ruin my credit when I am desperately trying to settle the debt owed. My credit has been destroyed, I can't get a mortgage, and despite every attempt on my part to fulfill my financial obligations, I keep hitting a wall. I even offered to pay the balance in full immediately, and they refused. I should not be held liable for this debt as I have no way of settling it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: LA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am 120-150 days  past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: LA

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am XXXX days past due on XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the three bureaus and requested the issues be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I reached out to XXXX XX/XX/2019. the individual that picked up the phone I gave them my personal information to check on the status of my vehicle in the loan and why it was not picked up a year-and-a-half ago while I left it on the public Street and money times the tow truck came by but actually did not pick up the vehicle. the answer from The XXXX XXXX employee was the car was junked and it wasn't worth it for them to pick it up. since they never picked up the car I had to store the car for a year-and-a-half and I also got very busy taking care of my XXXX  XXXX XXXX husband and I never was able to take care of this matter. yesterday I spoke to employee of XXXX XXXX in the collection department XXXX XXXX he said to go ahead and take pictures off the car and send it to him via email which I did exactly that. this morning I spoke to XXXX XXXX and he said his manager offered {$1700.00} to be paid on XX/XX/2019. 
I just don't understand if the car was considered junk why are they charging me {$1700.00} and they will only put on my credit report paid less than owed amount. basically what they are trying to say is to pay and we will not fix your credit report which is unfair I will explain why I did my due diligence left them the car for pick up but they didn't follow the law to pick up the car and left it on the street and I ended up paying for storage of the car until today which is {$2400.00} or more they never give me proper disclosure for this type of a loan so I can understand it better. 
Over the years I have paid very High interest rate unfair fees undisclosed fees to XXXX XXXX. I want them to send me for any statements for any auto loans that I have received from them to my current address XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: URS Holding, LLC
State: LA

Complaint narrative:
On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I acquired a XXXX credit card at the store during a purchase to gain a discount on the purchase. A week or two later I received the actual credit card in the mail. I went online and activated my account. I selected the choice for " electronic statements ''. I assumed I would either receive my statements electronically each month, or notification that me statement was ready on-line. This is what happens with all other credit cards aI have. 

That is not what XXXX does. XXXX makes no notification to the consumer, at all. It is incumbent upon the consumer to remember to regularly check their on-line access to their account to get their statements and pay their bills. 

So, I forgot about the account and went months without paying my bill, no realizing I owed anything. In the mean time XXXX kept assessing late fees and penalties. Then they reported it to the credit agencies and my credit score went from the high 700 's to the low 600 's. Now its an issue because I applied for a mortgage loan for a new house. Had I not applied for the mortgage loan, I would have not found out I had this problem. 

I now called XXXX 's collection agency and they would only waive two months late fees. I ended up having to pay {$98.00} for a total of purchase that were less than {$25.00}. I think this is obviously ridiculous. It seems this is designed to extract more money from people. Now I have to wait two days and call XXXX ( they block you from contacting XXXX directly and reduce your access to your on-line account access until you pay the bill with the late fees.

I doubt XXXX will do anything to fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I placed an order online with XXXX using my XXXX card. The card was declined. I opened online chat session with XXXXSynchrony and asked what was going on and was told that my account was closed. I had never received any notification that my account was being closed. I asked why ... and who closed the account. I was told XXXX/Synchrony closed the card. They told me that they made a " business decision '' to close my card due to my XXXX credit report. I have had this card for about 4 years. When I received the card I had about {$1700.00} limit, never charged the card to the limit, they then lowered the limit again and again with no reason as ALL payments were being made on time ( except maybe 2 were a day or two late ). Eventually they lowered the limit to {$170.00}. Always paid on time, never the minimum payment, and the account had a -XXXX-  balance. They just up and closed the account from what I can see from my credit report in XX/XX/XXXX. By them closing the account XXXX/Synchrony drove down my credit rating for NO reason to them. I might be able to understand their decision if my account had been in arrears, but that is/was not the case. They have caused my credit rating to fall 40 points and it also looks very bad on my report that the " creditor '' closed the account. From what I can see online I am not the only person who has had this same problem with them. It seems to be a pattern with many other former customers. All whom have said they will never purchase anything from XXXX again!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Credit Karma, LLC
State: VA

Complaint narrative:
My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by  decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2019 ; I made a payment online to Santander Consumer, USA ; My CAR loan finance company ; I choose to make a payment of {$100.00} towards the principal ; They will not apply my payment, and want to it to apply to interest. 

When I called to confirm my payment was applied towards the principal loan balance ; Santander refused to apply my payment to the principal ; even when my payment is not due till XX/XX/2019 ; They are very unethical and pricing gouging customers. 

This Company charges me 26 % and has applied less than 10 % towards the principal and has priced gouged the interest rate and have taken advantage of charging 26 % interest rate. 

This is unethical business practices, and they fraudulent represents themselves ; indicating interest is due daily and due daily is NOT what my contract indicates ; I am charged monthly ; denying my right to make a payment towards the principal balance of this CAR LOAN is breach of contract, and misleading representation.

Company response to consumer: Closed with explanation