vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This is a huge mistake by Kohls company. I was shocked when I reviewed my credit report Today and found late payment for 30 days for this month XXXX XX/XX/XXXX ). When I went to Kohls in XX/XX/XXXX, I was advised my cashier to open a store card with them, and she guaranteed that I was going to receive the statement at home within a month. I've called your customer services several times asking them to send me the bill and I haven't received it. 


I am not sure how this happened, but I thought until later that i had made the payment. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I drove down to a local store and talked to the same rep today and as you can see i made FULL payment in-person. Please see the attachment receipt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since XXXX of 2019 Chase decided to took money from my account. Chase claimed that I signed under my son account and whenever my son has overdraft chase has to take money from my account to cover his overdraft fees. Recently Chase told me I had a minus on my account. On XX/XX/XXXX I withdrew XXXX XXXX dollars from my account. My account had XXXX dollars left. Prior to the withdrawal I made a purchase at XXXX and bought a cup of coffee. Chase saw that purchase. The purchase was {$1.00} cents. After I made the purchase and the withdrawal, Chase took the whole XXXX dollars to collect my son overdraft. They did not pay for the transaction of {$1.00} cent. For about 5 days I had a minus of {$1.00} cents on my account. When I've decided to file a complaint against them., Chase collected {$18.00} cent from my account but I had a minus in my account. So where does the {$18.00} cents come. It is a miscalculation by Chase. If Chase can make a miscalculation once, it can happened before. I have asking them for verification of signature of my son account because my son is not a minor anymore. I am not responsible for his account. I also need chase to stop taking funds from my account to cover my son overdraft. I am asking for chase to investigate every transaction from the date I opened my account until now. Since there was 1 miscalculation, there could have been more

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The information shared by three major reporting agencies was shared illegally. I have written proof and the remarks should be removed.

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 2020-01-25 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX, XXXX, XXXX, XX/XX/2019 FOR 3060/90/ DAYS? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BELING & ASSOCIATES
State: IN

Complaint narrative:
I paid a law firm XXXX Beling & Associates XXXX to litigate or otherwise resolve private student loans for consumer rights violations made by the private student loan companies. I have a contract with the attorney 's office which lists those loans. I was recently sued by one of the private student loan companies for a student loan which is in the contract and which my attorney was supposed to be negotiating ( I have the contract and e-mails with the law firm regarding the potential settlement of these loans with the servicer ). Upon receiving the complaint filed by the student loan company, I tried to reach out to my attorney both by phone and e-mail, several times, and have yet to receive a response in over 6 weeks. They have also taken no action with regard to the lawsuit filed against me and I am currently handling the matter pro se,  in spite of already having paid the law firm to deal with this loan. There is a second pending action against me ( I have not yet been served but service was attempted ) for another loan listed in the contract with Beling & Associates, which was also supposed to be in the process of negotiation, or that was the status of these loans based on the last correspondence received from Beling & Associates. 

Payment amounts ( I have bank statements confirming ) : XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} I made attempts to contact this firm by email on the following date ( I have copies of the emails ) : XXXX XXXX XX/XX/XXXX XX/XX/XXXX I made other attempts to contact this firm by phone. I can provide phone records of those but I do not have the exact dates at this time. Every time it says that I can not leave a message because the mailbox is full.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-25 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2019, I was laid off of work. I contacted Wells Fargo Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!

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 2020-01-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019, I was laid off of work. I contacted XXXX XXXX Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!

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 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and I have previously sent NCB Management Services , Inc. several request to validate debt, NCB File Number : XXXX on XX/XX/XXXX2019, 17 XX/XX/2019, XXXX XX/XX/2019, and XXXX XX/XX/2019. 

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. I have given them reasonable time to remedy the situation. I have received no reply from them, though I did receive confirmation via mail that they did receive my letter. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Since they are still reporting this account on my credit report, they are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from them by filing a claim in small claims court. I intend to follow through with the suit. 

They should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. 

I am requesting that you investigate this company and take any appropriate regulatory action, including any necessary referrals to state agencies. It is important that we put an end to these types of deceptive and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I submitted dispute inquiries to Transunion LLC through a certified letter on XXXX XXXX. 
The letter was received certified mail on XXXX XXXX, I received a letter stating the the explanation of the inquires on my credit report. It stated the inquiries listed on my credit report are a record of the companies that obtained your credit information. It did not state an investigation was going to be made into the inquires even though my letter stated that I requested an investigation of the inquires. After a phone call I was told that there would be no investigation into the inquires. file number: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 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: OR

Complaint narrative:
Yes I purchase a NetSpend card on XXXX XXXX XXXX XXXX in Oregon of XXXX on XXXX XXXX and XXXX and it was already activated what it opened up the box and it would not reimburse me I have a card with {$500.00} that I never got to activate the card with because it was already pre-activated I don't need somebody else 's name and they never reimburse me for it and I got arrested because I went in there and raise XXXX to get my refund and it would not refund me and call the cops on me because it was inside somebody else 's name when I opened up the box of the NetSpend and I went to activate it and he said no it's already activated said somebody else 's name you're not the card holder and I want this incident paid for in reimbursement I never got the money from that card at all I got {$500.00} on that card and I can't activate it or get anything even the car company itself blocked at NetSpend did

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 2020-01-25 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: CA

Complaint narrative:
XXXX XX/XX/XXXX, I accepted Capital One 's Balance Transfer Offer of {$3300.00} to be paid to my XXXX XXXX XXXX XXXX account. I did this transaction on the Cap 1 app & I know that I entered the correct account number as well as the mailing address. I had to look up the address off of my statement & I triple checked all information. I received notice from Cap 1 on XXXX XX/XX/XXXX that the transfer amount of {$3300.00} plus the {$99.00} fee was placed on my Cap 1 account. I did not see the balance transfer amount of {$3300.00} being reported on my XXXX XXXX account. I waited for my next statement incase it was taking a bit longer to process. By XXXX XX/XX/XXXX, the payment had not been received by XXXX XXXX  XXXX XXXX XXXX XXXX acct ). I called Capital One on XXXX XX/XX/XXXX to inquire where the payment was. 72 minutes & 3 representatives & 1 supervisor later, all they could tell me is that the check has been cashed. I explained to each rep that the receiving account has not received the payment therefore Cap 1 must have sent the check to the wrong company. They would not give me any information to where the check was sent. I finally demanded Cap 1 to open an investigation but I have yet to hear anything. I am now paying two credit accounts for the same amount, at this time have incurred {$400.00} in interest charges on the account that was to receive the balance transfer amount & I have paid the {$99.00} transfer fee for money I never received. I am pay a lot of money for something I have not received & I am not getting any results from Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX - Sent a letter to Wells Fargo disputing {$190.00} recording fee they added to payoff statement of my mortgage. They should only have charged me {$95.00} for the recording of the reconveyance of my deed of trust. 
XX/XX/XXXX - Received letter from WF acknowledging receipt of my letter of XXXX and that they would respond by XX/XX/XXXX. 
XX/XX/XXXX - Sale of my home closed and Escrow sent payoff funds to WF. 
XX/XX/XXXX - Received letter from WF stating that the {$190.00} charge is accurate. Their letter stated that they had to also record a Substitution of Trustee. It is not might fault that WF chose to substitute the original Trustee on the Deed of Trust to another Trustee. I shouldn't be penalized for this. WF should be responsible for the recording cost for that document, not me. I spoke to WF representative and voiced my objection. 
XX/XX/XXXX - Received letter from WF denying reimbursement of {$95.00}.

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 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportune called my job, asking for information about me. 
They are constantly calling my supervisor They call very frequently, when im at work I called them and the lady said that i have to go to court, at a certain time to get the problem fixed. I told her for that i need writen proof, but she incisted. And said they were gona keep calling, even when i told them i was planing to pay and gave them information about my debt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I cancel my credit card account with Macy 's in XX/XX/2019 with credit card limit of {$4700.00}. After I cancel my account with Macy 's they lower my account limit so I would be over my account limit and charge me outrages interest on my account. i never was late on the 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
Consumer complaint received 2020-01-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Repeatedly asked for the removal of debt being falsely reported.This was not and never has been my loan, as discussed several times writing and verbally. The company has refused to correct this from my credit report for well over a year. I have proof of mailing, by registered mail and recorded phone conversations. 
the Creditors names is XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Account No : XXXX XX/XX/2018, the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX entered my home, violently attacked my children, left a scar, and stole my sons XXXX XXXX. On XX/XX/2018, the XXXX and XXXX gang told me twice that XXXX XXXX and XXXX ordered the attack. The attackers also said they have been monitoring my home for months. I have been paying promptly. I explained the XXXX retaliation situation many times and I always said I would pay and asked for time. I also mentioned that the XXXX case is ongoing in XXXX. 

Sunday, XX/XX/2018, in-humanely XXXX XXXX and XXXX attacked my son, left a scar, and stole his XXXX XXXX. The next day, Monday morning, when my son went to school ; the school said that his XXXX XXXX licence plate is cancelled. I dont know how XXXX XXXX XXXX school knew about the licence cancellation very quickly. 
I have invested over {$26000.00} in my sons XXXX XXXX. I have been following up with Bank of America since 2018 on this incident, but no response. I financed my sons XXXX XXXX through Bank of America ; does Bank of America have the policy to send XXXX and XXXX XXXX, take my sons XXXX XXXX without any notice, and violently attack my children? 

What happened to my {$26000.00} investment? 

Which policy allows Bank of America to send XXXX XXXX and XXXX to take my sons XXXX XXXX without any notice and attack him? 

XXXX Bank of America have the policy to monitor my family? 

I always said I would pay. I want my sons XXXX XXXX ( XXXX ). I will pay the money. And I also want compensation for all the sufferings and losses we endured unjustly because of Bank of America 's violent act. 

Sincerely, 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 2020-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a mortgage loan from XXXX XXXX. I always paid on time, in full, by auto-pay. 

The loan was subsequently sold to XXXX in late 2019. Without notice to me, XXXX, through its loan servicer XXXX XXXX, added charges. 

One charge was completely in error - it was for property insurance, which I already carried. ( When I inquired of the loan servicer, the representative acknowledged that I carried the insurance and that the charge was in error. ) The other was for " overage '' - an undefined additional ( and therefore illegal ) charge of $ XXXX/month. 

Again without notice to me, when my auto-payment was not sufficient to cover these added charges, XXXX made a derogatory credit report. This resulted in my credit report dropping precipitously with at least one agency ( Equifax ) and my being unable to refinance an unrelated loan, then actively in process. 

I have tried to resolve this with XXXX and XXXX XXXX, but other than acknowledging my correspondence, I have not yet had resolution. 

And critically, my credit score remains impaired. 

I paid the allegedly owing amounts ( under protest ) and believe my credit should be restored to its previously higher score. 

My letter and supporting documentation are attached hereto.

Company response to consumer: Closed with explanation