vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been paying a consistent interest payment for months of {$270.00} Suddenly in the last two months the interest payments have gone up $ XXXX each time and the balance on the card has not change in years. On my current statement is now {$320.00}. I have expressed this problem to Bank of America and have not gotten any satisfaction or relief. This pattern is very concerning to me that Bank of America can just increase my interest payment every month I do not have any recourse. This activity seems very fraudulent to me and needs to be investigated. We the consumers are at the mercy of these institutions. 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 2022-08-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This company is reporting incorrect information on my consumer report. They are reporting charged off accounts as open and reporting medical information on my consumer report. According to FCRA all information reported must be 100 % accurate and verifiable.

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 2022-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I saw a promotion on citi.com when I logged in to see my credit card information ( I have two citi cards ). I was presented a promotion that if open a XXXX  XXXX XXXX XXXX savings account, after 60 days I will get XXXX XXXX miles. Since I have a Citi AAdvantage credit card, this is a very attractive offer. It was a tiered offer. I selected the offer to earn XXXX AAdvantage miles after depositing $ XXXX in a Citi 's savings account. I opened the account and moved $ XXXX into that account on XX/XX/XXXX. I think it was in XXXX that I noticed that I still haven't received the miles. I called Citi and I was told that I need to allow 90 days after the 60 days to get the miles. So the agent told me to wait till after XXXX. I checked on XX/XX/XXXX and the miles still didn't get credited. So I called Citi again. The agent checked my account and said she will open a case because everything looks right and she doesn't know why the miles weren't credited. She said there may be something wrong with the system. So she ordered an investigation and said it will take 5 days. I checked my Citi account on XX/XX/XXXX. An electronic letter was sent to me. It says that my account was not associated with this offer. So I must present some proof that I received this offer. But Citi should know that I got the offer because they presented this offer to me, and I have no paper trail to present since it was online upon login. Also, it was not clearly disclosed that I had to wait another 90 days after the initial 60 days. This savings account has a low APY of XXXX. My other savings account with another bank is at XXXX at the time, and now at XXXX. I lost the higher interest and didn't get what was promised to me. That is completely cheating behavior. They are ripping off customers. Also the agent said that I could have moved my money away after 60 days but that was not disclosed either. This is typical big bank behavior to rip off their customers.

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 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
New Rez mortgage company purchased Wind & Hail insurance on my behalf for the period of XX/XX/XXXX - XX/XX/XXXX after I had already provided proof of insurance and charged me {$250.00} dollars for this coverage. This was from an insurance company called XXXX XXXX XXXX XXXX XXXX. XXXX that do not cover Wind & Hail for the state of Texas. I understand that Wind & Hail is a requirement for my area, and I delayed in purchasing this insurance because I was waiting on my XXXX Certificate for proof of a new roof I had purchased in XXXX. I looked at all my refinance documents and nothing told me that that I could not have a window to purchase insurance. The documents New Rez mailed to me also did not specifically say this. My refinance documents state that I must cover Home and Fire, which I provided proof of coverage for in XX/XX/XXXX. 
I receive a letter from New Rez on XX/XX/XXXX, which says they plan to buy insurance for my property. My insurance agency provided proof at that time. On XX/XX/XXXX I received a letter from New Rez that says The-lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX. On XX/XX/XXXX they purchased insurance anyways for dates that were no longer relevant. The WRONG type of insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT I have written and call serveral times to get this account removed from my file, it was a result of fraud and/or id theft. I have called and written XXXX trying to get this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself without any influence of a third party or agency.

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 2022-08-25 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: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a credit card with Truist. I made the payment by mail and on XX/XX/2022, they took the payment, {$4800.00}, out of my bank account. 
It is now XX/XX/2022 and the online Truist account doesn't show credit for this payment. 
I called. The clerk could find no record of this payment. She said I had to go to a branch. 
Please force them to give me credit for the money they already took and stop charging me interest on what I've already paid. 
Thank you.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was advised that a good will faith credit could be issued for the remaining balance on this Chase Credit card account. Please let me know when the credit for the remainig balance has been issued. If anyone has any questions then they can contact the Executive office. I am not going to be lied to by Chase Bank. I have already mentioned several times your customer care team told me this account could be issued a credit for the remaining balance. The information was provided to me via my Chase credit card account. I have yet to receive the credit I was informed of receiving. The account should be paid in full once the credit has posted. I was advised the credit would be applied to my Chase credit card account that is closed. Seeing how Chasse customer care advised this account would receive the credit I am noticing that a payment is still being required each month. Per my last conversation with Customer care the credit should post within 1-2 billing cycles. Please advise if you can assist me with my account. Please see the information below that was provided by Chase customer care. 

Hello XXXX, Thank you for contacting us. XXXX, I forwarded your message to the appropriate department for review. You should receive a response within 10 business days. Per our research you should receive the promised credit you inquired about in the amount specified of the remaining balance on your Chase credit card account. Please continue to make the scheduled payments on your account until the credit has posted to your Chase credit card account. Thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: PNC Bank N.A.
State: MN

Complaint narrative:
PNC Bank owns my private bar examination loans obtained in XXXX. In XXXX, I filed for XXXX  XXXX bankruptcy. The servicer XXXX XXXX was listed as a creditor and received notice. XXXX XXXX resumed collections on my account after the bankruptcy, and I relied on their inaccurate position that I was still obligated to repay this " student loan '' despite my XXXX  XXXX discharge. Since then I've read XXXX XXXX XXXX and have come to understand that these private bar exam loans are not in fact student loans and don't have the same protections offered to student loans. These were private consumer loans discharged in my XXXX XXXX  without the need for an adversary proceeding in that 1 ) they were not used to attend an eligible education institution, 2 ) were not used to pay for school attendance, 3 ) were not for a course of study leading to a degree ( I already had my degree ), and 4 ) notice was provided to the servicer. 
Servicing of these loans was transferred to XXXX in XXXX XXXX has continued collecting on these loans ever since. After reading the CFPB post about busting bankruptcy myths, I contacted XXXX to ensure they were notified about my XXXX  XXXX and to resolve the matter. I provided the bankruptcy records at least twice, including the petition and the discharge records. XXXX acknowledges I filed for bankruptcy but fails to acknowledge my private bar exam loans were discharged. 
The matter was escalated to PNC Bank. Representative XXXX XXXX would only speak to me by telephone and repeatedly failed to recognize my requests to communicate via email ( he would only try to set up calls ). I have a XXXX injury from an XXXX accident and am currently on XXXX leave, and I requested a XXXX accommodation to communicate in writing, to no avail. This was in XXXX. I contacted PNC via XXXX and was assured I would be connected with someone who would communicate in writing. Instead they had XXXX XXXX contact me again to try to set up a phone call. I went back to PNC via XXXX and they had XXXX XXXX email me. However, XXXX XXXX insisted I send all records via US mail. I informed XXXX XXXX that the servicer already has the records and I provided my XXXX account # XXXX and noted the account is under my maiden name XXXX XXXX XXXX. I sent that email XX/XX/XXXX and have not received a response. 
I ask for the CFPB 's assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: WA

Complaint narrative:
I took out a small loan which I thought was a payday type of loan for {$1200.00}. 

I was approved over the phone. 

They credit my bank account on XX/XX/XXXX for {$1200.00}. 

I thought that I would only need to pay 4 payments of {$340.00} to cover the cost of the loan and interest. They were not clear with the loan agreement.

I made 4 payments of {$340.00} on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a total payment of {$1300.00} for a {$1200.00} loan ( XXXX in interest ). 

They attempted a 5th payment of XXXX on XX/XX/XXXX which I do not authorize and was surprised to see hit my account since I thought I had paid off this loan. 

I immediately called them to ask them about this and they told me that per the loan agreement that I owe them 20 payments of {$340.00}. This amount of payments was never disclosed to me over the phone when I was approved for the loan or thereafter. I would never have agreed to 20 payments of {$340.00} with them for a {$1200.00} loan. That is beyond predatory or reasonable. 

After getting on the phone with them I tried to access my account with them on their website and I entered my email address and last four of my social and still could not log in to see any documentation regarding my loan. I have no documentation nor did I ever receive documentation prior to agreeing to this loan. The approval process was done over the phone. 

I am filing this complaint because they are not being upfront with customers about loan terms and agreements and fees and they are being predatory in charging excessive interest rates. Furthermore they are preying upon poor people and exploiting American consumers with these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22

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 2022-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Our FHA mortgage was paid off on XX/XX/2022. Due to being paid through a court appointed trustee additional payments were sent after the loan was closed. A payment in the amount of {$4000.00} was applied to escrow on XX/XX/2022 and a payment of {$1400.00} was applied to escrow on XX/XX/2022. 

I have contacted Freedom Mortgage to return the escrow funds via phone and email a minimum of 5 different times. They keep telling me that they have to research why the funds have not been returned. I got tired of hearing excuses so I completed some research of my own. 

It was through my research that I found SS 1024.34 ( a ). This said that once a loan is closed the mortgage company has 20 days to return funds in the escrow account if they are not rolled over into a new loan. 

I sent a message to Freedom Mortgage on XX/XX/2022 noting this protection and they emailed me back the same generic message that it needs to be investigated and they need until XX/XX/2022 to complete the investigation. 

They have quoted me at least 5 different dates that the investigation should be completed by and not once have they ever completed anything related to my request to have the funds returned to the trustee. 

I am at my wits end trying to get the funds returned as they would help us pay a good portion of our bankruptcy off and they should have been returned long ago. I am not sure how they are supposed to have 20 days to return the funds but they have taken almost 4 months already and there is no end in sight for they funds will be returned. 

I am trying to get some oversight involved in the hopes that it will help Freedom Mortgage comply with precedent when it comes to returning funds on a closed account. 

Any help would be greatly appreciated.

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 2022-08-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent a request to XXXX, XXXX, and I can not submit a dispute with Transunion ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with Transunion, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX TRANSUNION AND XXXX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT. 
I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )

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 2022-08-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent a request to XXXX, Equifax, and I can not submit a dispute with XXXX ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with XXXX, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX XXXX AND EQUIFAX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT.

I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Spring Oaks capital has continued to harass me with countless collections. I added any collection to XXXX this collection is from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2022 I submitted a help request to XXXX because I could not log in to my account and access my funds. They then sent me a re-verification email asking me to provide an ID verification. I sent a copy of my US passport. 

On XX/XX/2022 I asked if there was any update on my case. They replied that they were working on my issue. 

On XX/XX/2022 I received an email that my account was being closed. There was no mention as to the reason or that my funds would be returned to me. They simply sent a link to their policies. 

After reviewing the policies, I was not in violation of any of them. Calling their number ( XXXX ) says to email XXXX. After emailing them, they said that they can not give me a reason as to why and will not confirm that my funds will be returned to me. 

I had over {$1000.00} in my account at the time of cancellation. I have not been able to access my account since XX/XX/2022. It was closed without warning or without clear indication my funds would be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am respectfully requesting your assistance with my Capital One MasterCard account, because since contacting your agency for help previously about other issues with them, Capital One has decided once again to act in bad faith using totally unethical and unscrupulous business practices and tactics to defraud deceive and take advantage of customers that are struggling financially to pay there bills. Capital One never informed me of there intent to give me the royal shaft and raise my annual percentage rate. My APR went from 23.99 % in XXXX, 2022 to 24.24 % in XXXX, 2022 and 25.49 % in XXXX, 2022. When will Capital One be called out and legal action commenced against them for taking advantage of and ripping off unsuspecting customers? I am respectfully requesting your assistance with this urgent matter.

Company response to consumer: Closed with explanation