vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 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: PA

Complaint narrative:
Today XX/XX/XXXX I had a payment of {$4000.00} due which i initiated online at XXXX. Capital one has an arbitrary cut of of XXXX after which payments made on that day are no longer applied to that day but the next and they are proceeding to not only charge me a late fee but tabulate interest in the balance and charge me that too. I submitted the payment with over 3 hours left in the day and have been told 'there is nothing they can do ( but charge me interest and late fees ) ' even though i submitted the payment on the day it was due, 3 hours before the end of the calendar day. The day ends at XXXX XXXX  and the law should not allow them to change the end of day arbitrarily to a time to allow them to collect more fees from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/2020 I called Wells Fargo to fix my account and was told it was closed after I went in XX/XX/2020 to report that some got into my account while I was in the hospital undergoing treatment for XXXX. I had no idea that my account was tampered with and thought I had a new account opened to replace old account that was cleared out of over 1500.00 while I was in hospital. Then the bank has closed my account, but I filed with police and person on phone was very rude and I was just trying to get my account info of new account I opened to replace old account of protect myself. However this man degraded and would not let me place a claim against account for money taken out. Instead he pretty much said good luck and I was trying work with bank but this man did not get the memo I guess of how to treat customers. I have a open account but he told me I don't. I just wanted to make sure my paycheck would get misplaced again with them as this is second time I was treated this way by them.I am very unhappy.

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 2020-02-11 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: LA

Complaint narrative:
I've sent letters to the credit bureaus on multiple occasions and they continuously send me vague letters that ends in them not removing these either fraudulent or accidental inquiries ending up on my credit report. The letters they send either states they verified or that credit inquiries can stay on your report for up to 2 years. Even when they send a letter stating they verified that this is my inquiry they never follow the law and state how they verified that I made the inquiry I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Municipal Collections of America Inc.
State: IL

Complaint narrative:
Bill # 1. amount {$910.00} date XX/XX/XXXX - Village of XXXX XXXX ( insurance company issued a letter that amount charged is too high and the recommended amount was {$650.00} but the company still continues collection efforts for the higher amount. Plus the bill was issued in the minor 's name not including the parent. Collection efforts are against the dependent not the parent ). 

Actions taken by me - included this bill in the Chapter XXXX Bankruptcy repayment plan filed in XX/XX/XXXX but still receiving bills from collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX I received an email offering for upgrade to a Venture Capital One card which had no annual fee. Over the summer I did a balance transfer to a 0 % APR credit card in hopes of tackling my credit card debt on the above account, therefore leaving my account with a {$0.00} balance. Unbeknownst to me, my previous card did have a membership fee of {$39.00} annually, and I decided to upgrade my card at that time to avoid a fee on a card I would not be using at this time. 

On XX/XX/XXXX I received an email reporting a statement balance of {$39.00} due XXXX XXXX. It was at that time that I made a phone call to Capital One to see if the membership fee was a mistake considering I had just upgraded my card. I was told on the phone that the {$39.00} would be for the upcoming year and since I upgraded my card, I would not be liable to pay this fee and it would be waived. I was told to " allow 1-2 billing cycles for it to come off ''. I remember my phone conversation vividly and know that this is what I was told ; had I been told that I had to pay the {$39.00} I would have cut my losses and paid it right then and there! 

On XX/XX/XXXX I received an email stating I have a balance of {$70.00} which was a {$39.00} membership fee ( which was supposed to be reimbursed or removed or whatever ) + a late fee + interest and it has since been reported on my credit score. I once again called Capital One and this time I was advised that I was mistaken : " we don't have any promotions going on to reimburse a membership fee '' and to write this letter. My excellent credit score of XXXX has since taken a nasty 50+ point reduction because of a delinquent account with 1 late payment, a late payment that ISN'T EVEN REAL!!!!! So not only has Capital One charged me a membership fee on a card I don't have/use, I was charged interest and a late fee and it was reported off as delinquent. Unbelievable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
In XXXX XXXX- I discovered a collection account on my XXXX  credit report. It did not disclose the name of the collection agency, only the amount of the debt and that it was medical. I got a copy of my XXXX  credit report to see if it was on there and to see if I could get more information. Sure enough it was, however like XXXX it did not list the name of the collection agency, address, phone number etc- only the amount of the debt and that it was medical. XXXX, on the other hand showed the account and list the agency as Mericredit Account Number XXXX. I sent them a letter of dispute because they never contacted me before placing the debt on my credit. Also I still do know who the original creditor is or what exactly the debt is for. The account has not been removed from my XXXX  and XXXX  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 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged me 7 overdraft fees over a month totaling {$240.00}, charging me {$35.00} each. I called Bank of America customer service and they refund me just 1 of {$35.00}. If my account is low in funds, they should not honor or let my account be overdraft just that the banks can rip off customer by charging this ridiculous fees. These banks make billions from these illegals fees. We tax payers bailed these bank during the recession and they pay us back with ripping us off. Someone at the federal level please stop this unfair practices to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CBCS, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX contacted XXXX. She stated I did not pay on my account and failed keep the arrangements I made. XXXX stated a payment was not received since XX/XX/XXXX. XXXX attached receipt that a payment was made on XX/XX/XXXX. 

I know this company is attempting to damage my credit by stating my payments are not being received. XXXX is unprofessional and rude and intentionally disconnected the call. Repeated attempts to call back with no avail. I want the record to show and the evidence of the attached documents that I am keeping the arrangements set by me. END OF STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I applied for checking and savings account and I lost the folder with my personal information on it such as my social security number and account numbers..in XXXX I am in college and I am going to school for two degrees at once.. some one borrow a loan in my name from BECU ..that I never knew about ... I never applied for any loan from BECU ... so my identity is being used and stolen .I have never had a bank loan in my life. never ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card number was stolen and used for fraudulent purchases in XX/XX/2018, including charges on XXXX and at a Meat shop in maryland, called " XXXX XXXX XXXXXXXX OF XXXX XXXX MD '' on XX/XX/2018 for {$540.00}. I had the account on autopay so I didn't notice the charges right away, but I notified my credit card company as soon as I noticed the charges, and they refunded all the charges besides for XXXX XXXX XXXX, which they claim was valid charges. I have never been to this meat shop, and I was in XXXX, WA on the day the fraudulent charges were made. Citi continues to close my dispute, saying that they learned that I provided the merchants with my account information, even though I did not do that. When I have called, over many months that I've been dealing with these disputes, they tell me they will reopen the dispute, but then never actually change anything and they continue to tell me I need to wait 1-2 billing cycles. Nobody has been able to tell me why they think I made this charge, because I haven't. 

The account number at the time ended in XXXX, But i don't have the full account number to put in the next section because I no longer have the card since it was closed.

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 2020-02-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS WERE AUTHORIZED WITHOUT MY KNOWLEDGE AND I WOULD LIKE FOR THEM TO BE COMPLETELY REMOVED OFF MY CREDIT REPORT. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS HARM AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY MARK OFF MY 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 non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have previously been a Walmart rewards card holder until the merger from XXXX XXXX to Capital One Bank. They didn't contact me to notify me of the change until a payment was past due. Then they proceeded to report two late payments to the three major credit bureaus. After contacting Capital One, they agreed to reverse this error and issue me refunds for both late payment fees. They also told me to contact the credit bureaus and notify them of this. However, nothing has been changed even though I filed several disputes now. Due to Capital One 's negligence I decided to close the credit card and cease doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
The situation actually started with my XXXX XXXX XXXX MC,  whereby I noticed my credit line was reduced from XXXX to {$0.00}. I contacted the call center on XXXX XXXX and the associate told me to contact Fraud on Monday. I called on Monday and Fraud stated they don't handle it. Basically I have had the run around and have called on numerous occasions to find out why my credit card was closed.Nobody could answer my question. They would place me on hold for long periods. I was advised that I would get follow-up calls and only one of the agents actually called me back. Again with no idea as to why my account, which is recently opened was closed. On XX/XX/XXXX, I received two letters from HSBC USA one stated that my credit card was closed ( which I already knew ). and another with my XXXX checking account being closed. There was no specific reason given in the letter. As a result, I called again. The associate and a manager could not tell me the. reason why, I have been on the phone with HSBC USA since I opened my accounts in XXXX ( checking ) and XXXX ( credit card ) for countless hours to verify account information and for them to research my accounts. I haven't had any negative activity on my accounts or reason for my accounts to be closed. I have never had a bank take me through the wringer like this. This has been a nightmare. I feel humiliated that a banking institution would treat a new customer like trash. This is one of the worst customer service experiences I've had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS WERE AUTHORIZED WITHOUT MY KNOWLEDGE AND I WOULD LIKE FOR THEM TO BE COMPLETELY REMOVED OFF MY CREDIT REPORT. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS HARM AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY MARK OFF MY 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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE was asked to verify collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records. I told CRME that they were violating my HIPPA rights and that I wanted they to stop reporting debt or I would sue. They followed up by sending additional HIPPA violation data in an attempt to validate debt. Debt that may or may not be included in discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have been contacting the three major credit bureaus in order to fix errors on my credit reports. Navient has been stopping any forward progress by reporting late payments to them. However, this is bad practice as I've never had to make any payments yet. My Navient accounts have been deferred for the entire length of the loan. As of now they have refused to fix this mistake. In addition to that, they have been making small tweaks to the reports but avoiding fixing the error. This is a sign of wrongdoing as there shouldnt be a different change each month if the information was accurate. All 3 bureaus are reporting different information which is a clear CFPB violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America gave me two credit cards one {$2500.00} one {$1000.00} on 2015 year I was paying payments on time until landlord raised my rent to {$950.00} per month previous I was paying {$550.00} at that time I was able to make payments.As for now I can not make payments.Im XXXXyears old I worked all my life I did not ask for this.My only income is {$1100.00} SSI I kept telling them my situation poor is not criminal it is just poor.Bank of America changing collectors all times some times I think they are hackers.im asking to end it either way many nights I can not sleep.I have some illness I can not pay my copay go to hospital .thank yoy

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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I was never notified of the documents, XXXX approved my remove of CMRE AND this remains in the credit file and I want this removed to miscommunication or fraud I have no memory where I ended up with this charge because they never told me where the debt was created

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to : Experian at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested an investigation into and validation of various questionable accounts on my credit report. The results came back with some of the questionable accounts being verified. 

On XX/XX/XXXX I sent a letter to : Experian at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into, and validation, of various questionable accounts on my credit report. I asked for the method of verification and supporting documents validating the accounts as being accurate. I was provided neither. 

On XX/XX/XXXX I sent a letter to : Experian at XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX # XXXX XXXX, PA. XXXX In this letter I requested a re-investigation into and validation of various questionable accounts on my credit report. I again asked for the method of verification and supporting documents validating the accounts as being accurate. Once again, I was provided neither. 

As of XX/XX/XXXX the questionable accounts have not been validated but still remain on 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 2020-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
Design Receivables solutions was asked to verify over 13 collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct, mine and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XX/XX/2019, I submitted to all 3 credit bureaus to remove a collection in the amount of {$2000.00}. This collection is not mine. I do not owe this debt. I do not know who this creditor is, and after months of trying to remove through mailing out dispute letters, this continues to be on my report. On my reports that I recently ordered, it shows the name as " National Credit Systems. '' I have no knowledge of what this debt is in relation to, and am asking that it be removed because this does NOT belong to me. I was also informed by the credit bureaus that my data was breached in all 3 bureaus. XXXX  I believe recently removed it about 1 to 2 months ago. However, XXXX  and XXXX  still have this debt on my reports. This has caused me issues in being able to acquire new credit and a suitable apartment to move into. I have been homeless for years and this debt has caused me to lose many opportunities with finding a new home, and has impacted my job search in the past as well. Please have this removed asap from all bureaus. Thank you.

Company response to consumer: Closed with explanation