vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MA

Complaint narrative:
This complain is regarding XXXX XXXX and their collection agencies brutal and dishonest practices. I was on deferred plan to pay my gas bill back in XXXX. When I moved out of that rental place and closed my utility account - I recieve my final bill. Since I was keeping very accurate records - I noticed immediately that my last bill for that account was inflated - it looked much higher than I estimated. I disputed it directly with XXXX XXXX and sent them my detail excel spreadsheet reconciliation showing how much you date I was billed for and how much you date I paid. They never even bothered to counter back and show why they think their calculation is correct. They just responded back that if I don't pay the remaining balance - they will make sure to ruin my credit score. And they did. As the last attempt, few months ago in 2020 now I attempted to resolve this matter with their collection agency. I even offered to settle the amount that I didn't owe in the first place. Well, the collection rep. had a very big mouth and nasty attitude ( no shocker ) and said that no matter how much proof and reconciliation I sent to her or to XX/XX/XXXX - it won't matter because I quote " they are always right. '' I feel insulted and unprotected as a hardworking consumer because monster companies like XXXX XXXX allowed to monopolize and overrule the utilities market and abuse their consumers rights. I'm not building much illusion that this complain will solve anything. I'm just putting it out here in hopes to make it public and see if the class action can be initiated against these monsters.

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 2020-09-10 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I did not authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am trying to use my Barclay Aviator Master Card via XXXX  XXXX  to transfer money to my fiancee. However, the transfer was declined by XXXX XXXX and they refused to tell me what the issue was. After a lot of digging, it appears that Barclay declined/blocked the transaction and did not tell me about it for several hours. This is an emergency situation and need to get this done asap. 
i called Barclay and they said that it is standard procedure. I had already told them i was doing this, however it was still blocked. 

This issue has caused me a loss of 2.5 hours of pay due to having to leave work to get this done, but they don't care. They claim this is a security feature, however it is a huge inconvenience and i have asked repeatedly to intervene. It is NOT a customer security feature, but rather an internal loss prevention geared towards their own benefit which the customer just has to suffer with. 
any help is 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 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
The company called and hung up several times. They are trying to collect a debt that I do not owe. I paid the out-of-pocket max fro my insurance that year and all other debt is owed by the insurance. The company will not listen and have added my disputed account to collections harming my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2020 XXXX, ( I ) transacted an online sale involving, " XXXX '' and utilized my " XXXX credit card account '' ( " XXXX '' XXXX to pay for the transaction. 

Two charges were applied to XXXX, first charge for {$98.00} and second charge for {$49.00}. Merchant failed to fulfill order and order was cancelled. Even though order was cancelled XXXX failed to refund charges to XXXX for both charges. 

Concomitantly, I opened a dispute for both charges through XXXX XXXX XXXX case # XXXX, {$49.00} and case # XXXX, {$98.00} ). I provided adequate details for my dispute and provided documentation in support of my dispute. However, XXXX initiated a credit for only one of two charges. 

Therefore, I am asking XXXX to initiate credit for both charges and credit the {$49.00} with {$98.00}, since charges are conterminously together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I engaged PenFed Credit union for a mortgage refinance in XX/XX/2020. A property appraisal was paid in full and no response from " underwriting '' has been provided to date XX/XX/2020. They have stopped providing updates to me as a consumer and I have provided all required documentation. 

I have requested a copy of the appraisal and it is yet to be sent bak to me. 

PenFed Credit Union underwriters, staff and management do not provide customer service. 

I have done over XXXX mortgages in my lifetime, this has far been the most unprofessional process I have ever been exposed to as a customer. 

No updates, No Answer, 6 Months later no completed underwriting. 

Stay away from XXXX XXXX XXXX XXXX # XXXX and XXXX 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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I have been going through the origination process since XXXX with XXXX. I have not got any where closer to closing. I have been asked for documents multiple times that were provided. I was lied to by Quicken by them stating my XXXX was not responsive and my XXXX provided me documentation showing they provided them what was asked. I had to get a new credit report because they let the past one expired. I have sent multiple messages and only received a few responses ... all 10 or more days later. I have no transparency into the mortgage. I am being charged fees for work they are not even earning. This is the worst experience I have ever had. I received a call weeks ago from a " XXXX XXXX '' and he apologized. He said I would be " closing within a week ''. That was three weeks ago! We are not any where near closing. I haven't received a closing estimate updated. I asked for origination fee waivers or concessions. They said " your loan is too low to do that ''. They obviously do not care about customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a notice in the mail that Bank of America was closing my credit card They said from lack of use, which is fine, but I received NO notification? So they cancel a card in good standing without telling me. When I received the letter about my card being canceled, they said the matter was closed and they were unable to change it. They said I could re-apply, but Bank of America would have to make a credit check, which hurts my credit. Bank of America closing of my account also hurts my credit.

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 2020-09-10 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On numerous occasions since 2018, I have been disputing information on my credit report regarding three Comenity Bank store cards ; each time I have disputed, I have had all information come back as " verified '' despite the fact Comenity Bank refuses to show me verifiable proof that the debt amount is correct, that the debt indeed belongs to me, and the debt is indeed collectible. I have even tried to contact Alliance Data, which is listed in the " Disputed Debts '' section of Comenity Bank 's credit card agreement, to no avail. 

At this point, I want a thorough investigation into these accounts and want ALL facets of each account to be verified. As Comenity Bank is listed on my credit report with three charged off debts, the burden of proof rests on the laurels of accurate information purveyed by the company. 

The three accounts in question are : Comenity Bank/XXXX XXXX -  XXXX, Comenity Bank/XXXX - XXXX and Comenity Bank/XXXX  - XXXX ( these are how they appear on my reports ). 

If these accounts were sold, I would like to know for how much and to whom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
This agency keeps relisting the successfully disputed information on my credit report in violation of FCRA 611. The consumer reporting agencies are not doing anything to assist in the application of FCRA 611. I've receive no written notice of the debt, its certification or intent to reinsert the information on my credit.

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 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
On or about XX/XX/XXXX, the loan company sent a repossession agent to my house to obtain a motorcycle. Upon requesting motorcycle, I noted there was no way to transport the vehicle. I informed said personnel to obtain a court order for the repossession as they had no paperwork or means to transport the vehicle. I then left the state for work and was told the agents again stopped by in XX/XX/XXXX, twice, with no paperwork or way to transport the motorcycle. My online payment account was closed so I could not make payments in XXXX or sooner of XXXX. I never received written communications from the company regarding payments and struggled to find a way to pay. I was able in XX/XX/XXXX to find my original loan documents that were in storage and proceeded to send the loan company three XXXX payments and a XXXX payment from XXXX to XXXX which was deducted from my checking account. My account was not re-activated, and the loan price remained the same. I called multiple times after I lost my job only to be harassed and put down for not having employment. I have requested multiple times through emails to the company that my account be re-activated. This did not happen in XXXX, XXXX, XXXX, XXXX or XXXX. I have since sent a certified letter to the company requesting either the account be re-activated, or the title be released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MI

Complaint narrative:
I spoke with debt collector after I received two letters certified mail. I also set up arrangements. Then I wake up this morning with the same notice taped to my door with all my personal information on it. Which is unacceptable a consumer private information should never be out in the open. I need to know what to do moving forward this should have never happened.

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 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX, JPMorgan Chase, issued an account blockage due to an incorrect NAICS code entered on my account, Issue was resolved and I was told account was now unblocked. 

XX/XX/XXXX, Chase again blocked my account, without contacting me for missing KYC information. On XX/XX/XXXX, I contacted chase and was told the account would be closing at midnight on the XXXX, at this time I have yet to receive an update on why this was done without first contacting me and attempting to get me into a branch. 

This is my business banking account, and as such is now impeding the operation of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation
State: DC

Complaint narrative:
My husband and I closed on a loan in XX/XX/2020 and began making payments in XX/XX/2020. We made payments for XXXX, XXXX and XXXX automatically via a recurring ACH setup through the companies customer portal ( https : //my.academymortgage.com ). At some point the loan servicer changed as the mortgage was sold. We were not provided any letter documentation noting to change payments. In XX/XX/2020 my husband and I began receiving letters of default from Academy Mortgage. They accused us of missing payments for XXXX, XXXX, and XXXX. Upon talking to an academy mortgage representative, it was discovered that our servicing had been sold to some other part of academy mortgage and the payments we were sending within academy mortgage were not going to the new holder of our mortgage, academy mortgage or XXXX. 
At this point, we have had multiple conversations with both sides of Academy Mortgage and one continues to point fingers at the other, all the while sending us demand letters and default letters. We have opened cases and sent multiple emails and the issue is still unresolved. We can not set up any kind of ACH within the new servicing portal of academy mortgage as they have us in a default status so there is concern on how XXXX and future payments will be paid. 
This seems ridiculous and highly disorganized. We are mortgage consumers that pay each month on time and are being accused of being in default because our money is sitting somewhere and not being redirected to the proper servicer. This seems illegal and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Due to COVID-19 I am experiencing unprecedented financial hardship. I sought to contact Capital One regarding the annual membership fee of {$39.00} on one of my cards. They have advertisements, web pages and mail that says they are helping their customers. A Capital One Spokesman even said " The specific provisions offered really depend on the individual customers needs, but can include fee suppression, minimum payment assistance and deferred loan payments ''. Fee suppression in this instance implies to me as a customer that they will not be charging or they will be assisting clients of the bank in their financial hardship. 

This is very misleading and damaging to Capital One and their integrity. I did not have a balance due nor have I used the card ( s )  yet now I have to chose between groceries for my family and paying a Capital One member fee of {$39.00} and {$19.00} despite comments made by an official making statements on Capital One 's behalf stating they will be helping and will be conducting fee suppression. 

I believe this constitutes a regulatory contradiction. An official says one thing and the bank 's employees conduct negative or no action directly against what the company 's official spokesperson said to the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 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: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
XX/XX/XXXX my score dropped 41 pints due to a balance increase of XXXX while my account is in forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 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 checked 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 2020-09-10 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Unauthorized Credit Companies running my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized Credit Companies running my credit.

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 2020-09-10 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: Union Home Mortgage Corp
State: FL

Complaint narrative:
Unauthorized Credit Companies running my credit.

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 2020-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Good morning ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before ( JEFFERSON CAPITAL SY XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX  of {$270.00}? ). I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: IL

Complaint narrative:
XX/XX/XXXX my score dropped 41 pints due to a balance increase of XXXX while my account is in forbearance

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