vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to you because I am having problem with Capital One Credit Division. On XXXX I received a grocery delivery from Walmart.com and that was the beginning of a nightmare. the amount of the order was {$75.00}, on XXXX this amount was paid in full. I received a bill in XXXX stating that I owed them {$12.00} and that the transaction was {$88.00}, and every since XXXX they have been doubling the amount of this money that they said that I owed them. The last statement that I received was XXXX and the amount is now {$90.00}. 

Capital One has put this lie on my credit report which stared out as {$12.00} is now escalating every month and they have ruined my credit. The being of XXXX I asked Capital One to close my account, I received a letter from them on XXXX stating that the account was closed, but when I check my credit report in XXXX the account hadn't been closed until XXXX. Capital One also lied on my credit report saying that I had had account with them since XXXX and that a lie. On XXXX I received a letter from Walmart stating that ownership of my account will be transfer from XXXX XXXX to Capital One, and I have statement from both Walmart and Capital one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened my card through XXXX XXXX  and it was handled by Elan Financial services. The card had 20 months of 0 % interest on purchases and balance transfers. I had made a balance transfer and made several purchase that the 20. months expired XXXX of XXXX. I paid off the balance transfer in XX/XX/XXXX. I attempted several times to pay off the purchases before the expiration of the promotion. Each time the payment was directed to a balance transfer that expires XXXX of XXXX. After each payment I would call Elan to  verify if it went towards the purchase, Each time I called they would say no only after the minimum payment was paid would it go towards the purchases balance. I paid the entire purchases balance on XX/XX/XXXX. Upon calling to verify it went to cover the purchases, I was told it was not, but would automatically correct itself when the statement was issued. When my XX/XX/XXXX statement was issued I was charged interest on the purchases. Upon calling once again and speaking to a superviser to find out how to pay the purchases off I was told by the supervisor that I would have to pay off the entire card. If I didn't, any payments would be directed to the balance transfers that expire XXXX of XXXX and one expiring XXXX of XXXX. I paid the entire card off minus the interest charged. Basically, I was scammed into paying unavoidable interest and charged balance transfer fees for an unusable promotion, that I would not have incurred if the over 20 phone calls someone would have told me that I would be doomed to pay interest charges and the 0 % promotions were scams

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.

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 2020-08-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm just wondering what's happening with accounts I disputed on XX/XX/2020. I still have not receive any paperwork back. I know it takes 30 days and the credit bureaus are on the other side of the country from where i'm at, but i figured 40 days should be enough. I also read that if i dispute again while my first dispute is active it will just extend the investigation time. I figured i might as well file this complaint now instead of sending another dispute which will delay my investigations more.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi wrongfully reported late payment to my XXXX  credit report : Delinquent Account Reported on XX/XX/2020 by XXXX Your account is 30 days or more past due. 
Account CITICARDS CBNA Amount {$220.00} Status Late 30 Days I have been in contact with CITI customer service several times since XX/XX/2020 to present indicating that I was unable to pay due to change in income due to Covid. I was informed that CITI will not report to the credit bureaus during COVID-19 pandemic. I have worked hard to bring my account current and I also have been wrongfully denied their COVID-19 account assistance to help my family during this troubling time.

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 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VT

Complaint narrative:
SLS served us with foreclosure papers XX/XX/XXXX. Since then my wife and I filed for bankruptcy and our lawyer faxed SLS Financial records they asked for to do mediation. SLS never acknowledged receipt of the financial records and filed a relief from stay on bankruptcy. They are trying to move forward with the foreclosure with out mediation. That is a violation of Vermont foreclosure mediation law and violation of the Consumer Financial Protection Act of XXXX. They are harassing us with phone calls after we told them not to call us. They are also sending documents from lawyers every week or more. Also they charged {$15000.00} for fees and interest last year ( {$30000.00} for previous 8 years ).

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 2020-08-05 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon receiving the first round of letters, I mailed them to Transunion via certified mail on XX/XX/2020. I called and spoke to a representative on XX/XX/2020 to ask about an update on the results of the first round of letters and was told they never received them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I am outraged, I looked at my credit report today to find out that Speedy Cash has reported a fraudulent derogatory mark on my report. 
The debt shows opened XX/XX/2019, I have not had any form of a payday loan in 5+ years. 
I would also like to note that every payday loan Ive ever had in the last 10 years has been paid off BEFORE the due date. 

I have not done any business with Speedy Cash in over 5 years. 

This is fraudulent. I called them 4 times requesting validation of this debt for the last 2 months and they have been non responsive! 

This is illegal and I demand that this be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My wife is an XXXX  XXXX who applied for and received an Economic Injury Disaster Loan from the SBA, as offered under the CARES Act. The funds were deposited into our bank account with the account and routing numbers we provided. 

Several days after the deposit, our bank, JP Morgan Chase, locked our account and is demanding certain documents ( such as an EIN Number ) that don't pertain to her, nor were necessary for her EIDL loan. Chase Bank is demanding proof from us that XXXX XXXX a XXXX 

My wife, XXXX, XXXX  for XXXX, and received a 1099-MISC for last year 's income. This was the only form that was required of us in applying for the EIDL. The bank would not accept it, nor even look at it. 

The EIDL was offered to businesses AND independent contractors. The bank manager, along with two other bank employees, had never heard of the program, and are assuming we applied for a regular small business loan from the SBA and are committing some kind of fraud. A meeting at the bank ( over an hour, ) was unsuccessful. They wouldn't look at our 1099 or our 1040, nor our SBA loan documents. They were unwilling to help us, are not allowing us access to our bank accounts, and will close our account in 10 business days and will send OUR money back to the SBA. 

Chase Bank is holding our money hostage, and they mentioned that they are going through this process with other people as well. This needs to be looked at immediately. 

Under the CARES Act, the EIDL program is helping Americans in crisis, including us. Chase Bank is unfairly restricting bank accounts and holding these funds from those who rightfully received them from the SBA. Please help us and the others that are so unfairly being harmed by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
For the past 3 weeks I have been sending Capital One identification and social security cards for authorized users on my accounts to have my Capital One accounts un restricted. I've called capital one multiple times regarding the system not accepting some documents. Also, I told the customer service rep XXXX ID XXXX, that according to the Privacy Act of 1974 some of my authorized users won't be submitting documents. XXXX was no help. A manager by the name of XXXX was also no help and I spoke to her two weeks ago. I am continuously submitting documents on behalf of authorized users and nothing is being done. Capital One is costing me time, stress and also due to the pandemic I am tight on funds and Capital One locked my accounts. The representatives are horrible with customer service and assistance and no supervisor/manager is un restricting my accounts and I have submitted the documents more than once. I will be reaching out to the CEO via private mail as well to resolve this issue. I've been a customer for 3 years now and Capital One is committing deceptive practices assuming I'm some " Fraudster '', when in reality the people behind Cap One are Fraudsters. I will also be taking action if this isn't resolved immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I just paid for a copy of my credit reports and reviewed my credit file as being reported to Source Receivables MNG debt collection agency on behalf of XXXX. I was advise my XXXX representative that this debt collection agency will no longer report this account on my credit report moving forward. Please see the attached verified documents showing the payments made to XXXX to close out of this accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: U.S. BANCORP
State: CA

Complaint narrative:
I spoke to USBank back in XX/XX/2020 to see about a making a smaller payment due to my hardship with COVID-19. The representative I spoke with took my payment for {$100.00} and advised that she would ensure that any negative credit reporting would be placed on hold. 

I then go to check my credit in XXXX and US Bank reported my platinum credit card as 30 days late. I contacted US Bank platinum card services and was told that I had to write a dispute and mail it in. They have no place to send an email or research the issue over the phone. 

I then take the time to write a letter to dispute the negative 30 day credit reporting and mailed to US Bank. I have yet to hear about any results. 

I was given wrong information the few times I have called in and want the credit reporting fixed immediately. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I need to link my account with my XXXX XXXX XXXX. I need it to get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I was told on XX/XX/2020 by my Mortgage company, Selene Finance, that I was approved for a 3 month forbearance and a 6 month repayment plan that would be $ XXXX/month for 6 months. I got a call this morning from Selene Fianance about my XXXX payment and I explained to the Rep that I was on a forbearance and repayment plan. The Rep stated that she didn't see a forbearance on my account and the only thing that she could do is send me a package to see what they can do. So I called back and spoke with 2 reps ( 1 being the original rep that stated that I was approved ), they both told me the same thing again this morning, XX/XX/2020 that my Forbearance was approved by underwriting but it wasn't put in the system. The original Rep assured me that there was nothing that I needed to do and stated that she would email her supervisor, who was unavailable, to have her give me a call. I didn't hear back, so I called back in. I spoke with a Supervisor and the Rep that called me this morning and they stated that my forbearance was not approved and the Manager stated she had a long conversation with the rep that gave me the incorrect information and she would check with the lender to see if they will honor this request. I am filing a complaint because the Reps at Selene Finance are giving out incorrect information and jeopardizing the lives of people who are already suffering during COVID. This is unacceptable and I need for this issue to be resolved immediately. I am ready to hire an attorney and proceed with a law suite against Selene Finance. I have voice recordings of each and every call and my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: TX

Complaint narrative:
Hi I have an charge off account from XXXX XXXX XXXX  reporting on my Experian and XXXX  reports. The charge-off is reporting as 29 charge-offs on The Experian Credit Report and does not report the same on XXXX Credit Report. 
Charge off means the company deemedmy alleged debt as uncollectable and written it off their taxes. It should not be reporting as a charges off 29 times because the only written off the debt once. 

Experian reports also state that I have made 100 % payments on time and is not reporting the same on XXXX. 

For the XXXX  Credit report it stated that the payment history is unknown. 

I talked to a rep from both companies ( XXXX XXXX XXXX and Experian ) both are pointing the finger at the other for this misinformation. 

Please delete this from my account due to information being reported incorrectly.

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 2020-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
My bank - OHIO SAVINGS BANK - part of New York Community Bank - put a flag on my account regarding my change of address - problem is - 1 ). I already changed my address with them 7 months ago and have been receiving statements at my new address and doing all my banking this entire time, 2 ). they froze my bill pay and ATM and never told me in advance - I found out when I tried to log on to my bill-pay!!! this happened approximately XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
This account is not accurate I never had a account with this company I would like them to to show proof of the debt and show that this is the Original company and not a debt collection agency and if they cant provide the information I would like it removed I would like validation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Please see the remarks on my closed Bank of America credit account. I agreed to pay the balance in full in exchange for negative remarks to be removed from my credit file and so the account would show as paid in full. I filed a dispute so Bank of America could update my credit file and they did not. I called customer service directly to have the credit report updated and they said it would be updated to paid in full and it hasn't been updated. Instead, my account is showing paid less than the full balance, which is inaccurate. 

On XX/XX/2020, I contacted Bank of America 's collections department, and they again agreed to update my account to remove the negative data and show the account as paid in full. I also requested a written letter confirmation to show that the account as paid in full. They said the mail should be received in 7 - 10 days. So, I hope to have that available as evidence for the investigation.

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 2020-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
1. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES,  LLC is in violation of 15 U.S Code 1692a for the abusive, deceptive, and unfair invasion of my individual privacy for the purpose of collecting an unvalidated debt ( see Exhibit A, B ). 

2. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of 15 U.S Code 1692b ( 2 ) for the obscene  and profane language being used against me to collect a debt that is not validated ( see Exhibit B ). 

3. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692b ( 5 ) by the use of their company logo within the contents of communication to collect an unvalidated debt ( see Exhibit A, B ).

4. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692f ( 1 ) for stating an amount of debt owed without validating or furnishing an authorized ( signed ) agreement per my request that created such debt ( see Exhibit A and B ).

5. Under the FDCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC is in violation of U.S Code 1692c ( a ) ( 1 ) for communication with me, the consumer, at times of inconvenience without prior consent ( see Exhibit D E F G H I ) 6. In violation under the TCPA, PORTFOLIO RECOVERY ASSOCIATES, LLC acted in willfully placing calls to the cellphone of me, the consumer, during times and place of work causing mental anguish and anxiety as a consumer listed on the do-not-call registry ( see Exhibit C D E F G H I )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05 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: NC

Complaint narrative:
US Department of Education continues to report inaccurate information on student loan debt. I have contacted every possible department, third party lender, and available number, and no one will help me. This has destroyed my life and credit. I can not get housing! I can not get housing! I can not get housing! They don't even have the correct loan servicer listed on the web site to make a payment! I have had to track down where to actually pay! I have written proof they should not be reporting borrowers right now, and the continue to UPDATE my CREDIT REPORT AS DELINQUENT!

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