vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express credit card that I had since XX/XX/XXXX offered a pay-over-time option at an interest rate of 16.99 %. After I had a significant balance on the pay-over-time in XX/XX/XXXX I made a late payment on my account by one day. They increased the APR on the pay-over-time to 29.99 %. My card-member agreement states that they are allowed to do that for 6 months and the APR should go back to the regular APR if I make timely payments for 6 months. However, they have been charging me the penalty APR for more than 2 years until I called in XX/XX/XXXX. The day that I called, I logged into my account and it clearly said " Current APR 16.99 % '' on the Pay Over Time page, however based on the calculation of the interest amount they were charging me, I realized they were using the penalty APR of 29.99 %. I called right away and the person apologized and changed the APR to 16.99 % and said she was surprised that the penalty APR was applied for over two years. She wrote up the case to get a revision on the interest charges I had paid. However, it has now been more than two months and despite me calling four more times, I have gotten nothing except a refund of two late fees for payments that were not made late, but were charged to me. However, no refund on the interest overpayment. They keep asking me to give them a chance to resolve this, however there has been no resolution. Thank you for anything you can do to assist the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX ( one credit card ) and CapitalOne ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my CapitalOne credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover ( one credit card ) and XXXX  ( two credit cards ) have told me out of the blue they decided to make a business decision to close my wifes and my credit cards. All of my three cards were closed in the month of XX/XX/2018. We tried calling to request what we did wrong to only get a representative either not understanding why it was closed or just a flat answer of " the credit card companies aren't making money off you so they decided to close your account '' and it was a business decision. We asked for help from all the credit cards and asked if we did something wrong please let us know so we can avoid this in the possible future, but they didn't have an answer for this as well. 

One of my XXXX credit card I had for more than 12 years. Most of the times we paid our bills on time in full. A few times we had maybe less than {$2.00} interest charges ( attached statement summaries ). My credit score was over 800 on XXXX  before our credit card companies closed our accounts. The last major transactions we did were some credit transfers because we were trying to avoid being charged too much interest as my wife is a small business owner. We used our credit card with the various credit products the credit card companies offered and now we are being penalized. These companies offer credit line product that will cause us to lose out on our American dream of owning a home. We were planning on buying a home this coming year so I worked hard to keep my credit score close to 800. Also, I was planning on using my credit line to start up an internet business too. I lost a total of {$60000.00} in credit line. This was all in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX  XXXX XXXX # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Company is XXXX XXXXXXXX XXXX the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from Speedy Cash store # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a police department '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my clerical duties is to enter warrants into the XXXX  database. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: IL

Complaint narrative:
Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.

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 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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:
There are many mistakes appear in my report without my understanding.

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 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX XXXX 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 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payments on this XXXX  XXXX XXXX for months. XXXX  and XXXX have reversed them but Experian 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 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 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payment on this XXXX XXXX XXXX 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 2018-10-18 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: TN

Complaint narrative:
I have disputed the late payment status reported on the account XXXX, XXXX  XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi.I XX/XX/2018 I submitted paperwork, to Experian, from the state 's response of a bankruptcy that was reporting on my credit report on Experian. Experian responded with the information was reported as accurate. I called Experian on XX/XX/2018. The rep I spoke with said " We get our public information from a outside resource ". Under the fair credit act, there is no mention of proper reporting of a bankruptcy. Please investigate this and have removed from our report on Experian. Thanks!

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 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payment on this XXXX  XXXX 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 2018-10-18 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:
The credit item was disputed and removed from my Transunion credit file. It then was reinserted at a later date without informing me of this in writing within 5 business days. The collection item is XXXX XXXX from my Transunion Credit file.

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 2018-10-18 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: GA

Complaint narrative:
I have disputed the late payment on this WFDS XXXX for months. XXXX and XXXX have reversed them but Experian 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 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 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my 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 2018-10-18 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: TN

Complaint narrative:
I have disputed the late payment status reported on the account XXXX/XXXX, LA CHILD SUPPORT ENF with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.

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 2018-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX, XXXX XXXX/XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.

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