vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
I called JH Portfolio Debt on XX/XX/XXXX and tried to settle my account for {$500.00}. Instead of trying to settle I was threaten. They said they were sending my account to an attorney and I was being sued. Again I attempted to settle instead they came back with an offer of {$660.00} I told them I was on a strict income and could not afford that. They refused to lower to {$600.00} and basically told me I was out of luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have used the CITI credit card now for over a year and we take issue with their billing practices. It seems to be the business strategy to encourage the use of the card, and then to apply interest charges, before the payment due date, purposely throwing the balance over the agreed limit. By being able to show an excessive balance, they create a justification to raise interest rates to 30 %. 

We have always paid more than the minimum amount due, and except for one instance, where we were two days late, payments have been on time. Thus it was to our surprise to find that CITI had approximately doubled the interest rate on the outstanding due with the card. It is not just a question of fairness, but a fraudulent strategy by CITI to legitimize the imposition of additional interest and service fees.

If CITI is willing to take away these false charges, reduce the interest rate to what it was before, we will resume making payments. 

Notes : 1 ) Spoke with CITI consumer services in XXXX. They said that if I paid all interest and fees to date, they would discuss lowering the interest rate. 
2 ) Interest Rate 12/2017 16.49 % - Interest Rate 9/2018 29.99 %

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 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
I have never given this company my work phone number as I am not only not permitted to receive personal calls while working, but also I was not employed by them at the time that I was in school. 
I have asked to stop calling my work phone and they repeatedly call the receptionist to be transferred to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit 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: MI

Complaint narrative:
I contacted XXXX XXXX XXXX regarding making payment arrangments in XX/XX/2018, they gave me an arrangment of {$66.00} my normal due date is the XXXX of every month, they tried to pull the {$66.00} out on XX/XX/XXXX and that put my account into overdraft, i called the company and a supervisor told me that when the processed cleared on there end, to call back and they would reimburse me the fee, so i called back on XX/XX/XXXX to see if everything was ok on there end, and a supervisor told me that the other supervisor shouldn't have told me that and they can't honor it, so i asked her that since they won't honor it could i pay the {$66.00} as agreed by the representative that gave me that figure in the first place, she went on to say she dont see any notes as to where i was given that figure, she just flat out lied because why would they try to draft {$66.00} on the second so i just hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I fell behind during a financial issue on debts, as I was catching up everything XXXX sold my debt before I could recover. XXXX XXXX XXXX bought the debt and issued a letter threatening to sue me in XX/XX/XXXX. I responded in XX/XX/XXXX with " first request ' requesting to have a payment arrangement sent to me. A month later I got a second notice threatening to sue me. I again responded with 'second request ' for repayment schedule. In XX/XX/XXXX I was notified that XXXX XXXX XXXX and their attorney XXXX XXXX had filed a lawsuit in court against me. I have attempted to obtain a repayment schedule form them again, this time by certified letter to XXXX XXXX, XXXX XXXX XXXX and copied all to XXXX County Court. They have deceptive practices and I will not make a non-binding verbal agreement over the phone to only have them continue with the lawsuit to garnish my wages/property. I am attaching copies of the most recent letters and USPS tracking numbers. In addition a screen print from their web page showing I can not set up payments. I was able to work with all of my other creditors to catch up and have one additional in collections that have allowed me to set up payment arrangements. It seems MCM is only interested in deceptive and threatening practices, not in actually working with the debtor to get the debt paid. I still would like to opportunity to set up payments on this account and have the lawsuit removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: TX

Complaint narrative:
My direct deposit has not posted. I have two deposits, one for {$1900.00} and the other in my spouses name for {$1200.00} which are not available. The deposits were suppose to be settled on XX/XX/2018. Netspend, in partnership with XXXX, is holding my funds. I've supplied both companies with the tracer number to track the transfer and they will not give me a confirmed date on when my funds will be available in my account. They stated that the federal reserve did not send a file which is causing a delay in the transfer. Furthermore, I am aware that this is currently effecting a large number of Netspend customer 's. They are blaming the problem on a technical glitch with no ETA.

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 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: OK

Complaint narrative:
XX/XX/XXXX Sent a letter to company regarding a debt alleged that I owe, I have resided in the same house for 20 years. I had no knowledge of alleged debt I have not received a call or a written statement to contest or dispute the alleged debt. Upon applying for a mortgage I am advised that I owe XXXX XXXX XXXX or XXXX XXXX XXXX  XXXX. I have no knowledge of this this information is incorrect and should not be on my credit report until validations have been made. XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FL have not attempted to reach out to me and this debt is alleged to have happened in XX/XX/XXXX. This is unacceptable. Validations need to occur prior to placing false information on one 's credit report. This is smudge on my report and delaying the closing on my home XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After reviewing a medical debt appearing on my Equifax Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX  is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and Equifax to have this account blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I contacted National Credit Systems after a rude woman by the name of Ms.XXXX called me. I sent back the form I had to fill out concerning the fraudulently debt so National Credit Systems could do their investigation regarding the debt. Also, I took it one step farther and contacted XXXX XXXX XXXX and spoke with XXXX the assistant manager. She informed me that once I dispute XXXX XXXX should receive the dispute and she would have them {$0.00} the charge out for identity thief because they have no paper application, drivers license and none of my personal contact information. National Credit Systems has failed to contact XXXX XXXX XXXX. When you dispute a collection charge the collection agency has to follow up with the original creditor and National Credit Systems has fail to due so. Please investigate National Credit Systems and have them send the CFPB proof that National Credit Systems has disputed tis with XXXX XXXX XXXX. Ms. XXXX who works at National Credit Systems is very rude and unprofessional. Again if I have to pay this debt I will take National Credit Systems and XXXX XXXX XXXX to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2018 my employer XXXX XXXX sent my paycheck ach direct deposit in the amount of {$5600.00} to Netspend. On XX/XX/2018 my second employer XXXX XXXX XXXX sent a ach direct deposit over to Netspend in the amount of {$110.00}. Both companies have issued payment to before and have had no issue. Netspend is stating they are having an issue with their subsidary XXXX posting ach deposit but can not confirm a date or time for resolution. I reached out to XXXX XXXX who works in Office of the President and stated the only information he has received was that XXXX XXXX  would be resetting their system and hoped to have it resolved soon.

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 2018-10-16 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: NC

Complaint narrative:
I submitted a request for investigation to Experian using their Online Form for several inquiries that I did not approve. I asked Experian to collaborate with the creditors/lendors/entities to ensure that there was permissible purpose and approval from me to actually look at my credit file. I do not have an account with these companies, they have not extended credit to me, and do not recall giving them signed approval to access my credit file. 

Experian provided me with a Dispute Report # XXXX on XX/XX/2018 basically stating that the inquiries were actual requests for my credit report. That is indeed a fact, however, under the Fair Credit Reporting Act, I am entitled to know if these companies have proof of permissible purpose to pull my account, which I'm attesting that they do not. I followed up with Experian via a written letter asking them to validate with the companies that they have approval. 

At this point it is clear that Experian is not actually going to truly investigate these Inquiries. It is obvious that they are declining to provide me with the description of their procedure used to determine the accuracy and completeness of the information they are reporting, as requested by me in writing. These unverified inquiries are still lingering on my credit report and dragging my score down. Experian is not in compliance with FCRA and are validating my rights under FCRA which requires them to perform a true investigation upon a consumer dispute. I simply asked them to provide me with proof that the companies had a permissible purpose to pull my credit report but they willfully continue to be in violation of my FRCA rights. 

I'm simply asking for help from the CFPB to ensure that Experian is in compliance with the rules, laws, and policies that they must adhere to as a credit reporting agency, according to FCRA. 

The unverified Credit Inquiries that I would like removed are : * XXXX XXXX XXXX XXXX * XXXX * XXXX XXXX * XXXX XXXX ( first instance ) * XXXX   XXXX  ( second instance )

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 2018-10-16 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX is reporting a collection for XXXX on my credit file. I did not know about this debt until I checked my credit file. I did not receive any notices or any phone calls about this debt. I called and paid this debt as soon as I seen it on my credit report. However, I did not get my 30 days right to dispute notation.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Im filing this due to the fact I've tried several times to reach out to understand why I have paid over XXXX in fees ... One recently call the agent stated, '' The System don't lie '' and I felt like that was slap in my face. I love my institution but I feel as if they don't listen to the customer so therefore I'm reaching out top see if i can get any help concerning the fee issues. I also told the agent i wasn't fully aware of the policy concerning the fees but she failed to cover all of my concerns due to time ... I have banked with NFCU for a year now and I think over XXXX of fees is ridiculous. Help Me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: MN

Complaint narrative:
I have disputed the late payments on this XXXX/XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
XXXX XXXX Loss Department will not release to me the amount reimbursed by XXXX XXXX for hail damage suffered in XX/XX/2018. XXXX  issued a partial payment check for {$24000.00} and I forwarded to XXXX Loss Department in XXXX, NE in XX/XX/XXXX ( XXXX ) when Affordable Roofing and Restoration had completed the work on the home. The barn reroofing is pending. 

Attached is the receipt from Affordable Roofing showing paid in full and a cash deposit receipt from XXXX. XXXX for a down payment to order materials for the barn roof. 

The response from the Loss Department at XXXX XXXX has been beyond incompetent. I have sent via email, mail and uploading many documents requested often over two times. They still have not released a check back to me for work done to date which I paid for of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My payroll direct deposit is linked to my American Express Serve card. I receive a payroll deposit on the XXXX and XXXX of each month. When I checked my deposit on XX/XX/2018 my funds were not on my account. I phoned American Express Serve to see if the deposit was received. They informed me that there were no pending deposits on my account and to check with my employer. When I arrived to work I spoke to my principal and found out that in fact the deposit was sent and I have my paystub showing the direct deposit. At XXXX XXXX I received an email from American Express stating my direct deposit had been interrupted and they were trying to fix the problem. It is now XX/XX/2018 and I still do not have my deposit on my account and it is XXXX XXXX. They will not tell me where or when my funds will be deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Payroll check for amount {$2900.00} was deposited on Friday XX/XX/18 into joint account shared with my wife. Chase has put a hold on this check and is collecting NSF fees of {$34.00} each occurrence on my auto pays because they continue to have my payroll check on hold for unknown reasons. 

Payroll at my company and XXXX who have issued the check have explained there is no reason why Chase should put a hold on a payroll check. Everyone else has been paid at my company from the same payroll.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 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: OH

Complaint narrative:
After reviewing a medical debt appearing on my TransUnion Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and TransUnion to have this account blocked.

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 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX XXXX XXXX XXXX stating my home insurance was canceled because my property was vacant. On XX/XX/2018 I called XXXX XXXX and asked them about the notice. They informed me that they had received a letter from Ocwen, my mortgage company, letting them know my property was vacant. I immediately called Ocwen escrow department and they said that it was a mistake and that they had already sent a letter to XXXX XXXX XXXX XXXX and sent them a check for my home insurance. I asked them to explain how they made that mistake? I asked them to explain what circumstance would constitute them to send a letter to my insurance company stating that my property is vacant. They just kept apologizing and stating that they had taken care of it and that they had sent a letter to XXXX XXXX. I explained to them that I was asking because approximately 2 years ago they had sent the same letter to XXXX my previous insurance provider who canceled my home insurance. With XXXX I gave Ocwen their fax number asked them to fax them the letter stating that they had made a mistake and the property was not vacant. Ocwen repeatedly said they sent the letter and XXXX repeatedly said they did not receive the letter. Eventually, I just decide to look for new insurance and called XXXX XXXX. And now it is happening again. 
I called XXXX XXXX and told them that Ocwen said they had made a mistake and had sent them a letter and the check. XXXX XXXX has been awesome and for now have reinstated my home insurance. However, I was informed by the XXXX agent that it is a process to get this issue cleared up as it is being handled by the XXXX XXXX underwriting department. Last I spoke to the agent she said that the underwriting department of state farm would send me a letter once the issue is resolved. I am worried I will have to find new insurance company based on my previous experience with XXXX and Ocwen.

Company response to consumer: Closed with explanation