vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: MA

Complaint narrative:
I have a capital one credit card. I have not used in one year. The fees are over {$80.00} per month I pay {$100.00} and my balance keeps going up. I called them in XX/XX/2018 they said I qualified for {$74.00} per month to pay off my card. They put me on hold and hung up. When I called back they said I no longer qualified because the call was not completed. I reached out to cfpb XX/XX/2018. Capital One called me after this complaint # XXXX and agreed to close my account and offer me the {$74.00} per month payment and 7.4 % interest from what I have now around 23 % interest. I called four times as they said I would receive agreement in mail. I do not feel comfortable in making a payment until I recieve agreement. Last week I called capital one again and was told it will take effect in XX/XX/XXXX and paperwork would arrive in XX/XX/XXXX. I am attaching paperwork I received XX/XX/XXXX which is not an agreement but a letter stating what I owe. I need to resolve this and get rid of this debt, capital one is giving me the run-a-round and totally causing undue stress to me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
This account was paid in full back in XX/XX/2012. If you have proof that I am responsible for this debt, mail me the sales receipts for validation. 
I need my credit report to be updated and this debt to be cleared. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: MD

Complaint narrative:
In XXXX I filed for a Vehicle Title Loan as an XXXX XXXX Military Service Memeber and Was approved. 

After Making the payment for Severeal months, I realized that I could not make the principal go down. I asked for relief and they informed me they couldnt because I was in the military. My Vehicle was repossed in XXXX after a military Move because my wife lost her job due to our military move, and I could not longer afford such steep payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
Home Point Financial is the mortgage company. I live in a condo and they are the mortgage company. They are only supposed to pay insurance for my apartment a total of {$300.00} a year. In XXXX they erroneously paid {$2400.00} to a different insurance company to pay for the master insurance on the whole house - an error. This was supposed to be paid by the Condo Association. I repaid them the full amount and they raised my escrow {$400.00} per month. They are not even crediting me with my regular payments - but are keeping it in a separate account. All my calls, letters, and emails have gone nowhere. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: KY

Complaint narrative:
I received a letter in the mail from an alleged debt collector ( Synergetic Communication , Inc. ) informing me that I had 30 days to pay a {$430.00} debt from XXXX XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX customer care and collections specialist. I have  no debt with them otherwise I would have NOT been able to have an account with them. This debt is fake and the company is shady at best. I called the number and it was a series of answering machines until I get to the third one where I am supposed to leave a message. Its doesnt say who the message will be for. I dont want this fraudulent debt to affect me or my credit in the future. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a cosigner on a student loan. On XX/XX/18 I called Navient for the payoff amount on the loan. I made the payment on the phone with customer service. I was told I would receive written confirmation and the account would be closed/marked paid in full. I didn't receive any thing so I called today XX/XX/18 and found additional payment due. If I hadn't called I would not know of these charges and was put at risk of late fees and interest as well as negative credit reporting. Was told by XXXX XXXX the additional charges were interest. Told him what I was told on XX/XX/18 and asked him how can you have interest on a XXXX  balance. He proceeded to tell me the final payment would be written off since it was less than {$60.00}. I told him I was making a formal complaint and he said he would transfer me to a supervisor. Supervisor XXXX comes on phone after a 10 minute hold wanting to congratulate me for payoff. I explained I was making a formal complaint about the misinformation I was given on XX/XX/18. She said she would forward complaint to rep 's supervisor. When I asked for the name and ID of the supervisor she said she didn't know it. But it would be forwarded. Then she said it would be forwarded to upper management. When asked who they were she again said she didn't know. But told me since balance was less than {$5.00} it would be written off and that would close the account and then I would receive written confirmation of the payoff in about two billing cycles. The problem is I will have to wait and HOPE they do their jobs and RISK negative credit reporting on an account that has been paid in full. If I lied to and misled my employer 's customers I would have been fired. These people say whatever comes to mind when they talk to you just to end the call. This not my first contact with Navient customer service. They lie and they mislead to end the calls. Should not call themselves " customer service.! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Earlier this year, I left the rate reduction program because I was unable to make those payments after losing my job. I was then called by a Navient employee who enrolled me in an interest only program where my payments would be {$35.00} a month. I have been making these payments on time for the last couple of months, but recently have been receiving non stop harassing phone calls telling me that I still owe more. I spoke with a Navient employee today and she said I was somehow entered into the program incorrectly. I don't understand how this can happen. It's extremely frustrating to deal with these people because nobody knows how to fix it, yet my phone rings day in and out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: OH

Complaint narrative:
I have been working with XXXX XXXX XXXX ( XXXX ) and XXXX to resolve an escrow amount that was not properly applied to my account. My loan servicing changed in XX/XX/2018. At that time, my previous provider ( XXXX ) had sent a payment to XXXX County for my property taxes in the amount of {$3100.00}. The amount was returned to XXXX from the county as no payment was due. When XXXX received the check, they forwarded the payment to XXXX but XXXX never applied the credit to my escrow account. I received a notice from XXXX that my escrow account was negative and that I owed more money in XXXX. I then called to inquire about where the {$3100.00} was and why it hadnt been applied to my account. I spoke with 2 different agents on separate occasions and neither followed up on the  payment. On XX/XX/2018, I finally forced a conference call between the 2 companies. At that time, both companies agreed that the funds were never transferred from XXXX  to XXXX and that XXXX would need to reimburse me for the escrow shortage. I then began to work with different agents from XXXX to try to get resolution and payment. I spoke with the company on XX/XX/XXXX and XX/XX/XXXX to try to get the payment refunded to me and neither time did the customer service representative follow through. In XXXX I called a third time and reached XXXX XXXX with XXXX. After 3 days of calling the company, XXXX informed me that XXXX did in fact receive payment and negotiated the check ( XXXX ) for {$84000.00} on XX/XX/XXXX. This check was sent to XXXX and the funds were for multiple clients accounts. She would not provide me with a copy of the cleared check as it contained other customer information. I then called XXXX to track down the item and spoke with XXXX, ( agent XXXX ) who told me that she would need to research the item and that the process could take until XXXX to refund the money. I feel as though these companies are not following through and taking care of their clients when they owe them thousands of dollars. I have since closed my escrow account so all of the funds are due to me at this point. 

XXXX, a ServiceLink company, Nationwide Mortgage Licensing System (  NMLS # XXXX ) XXXX XXXX XXXX  : NMLS ID XXXX XXXX XXXX XXXX XXXX : NMLS ID Main Office XXXX ; NMLS ID Branch XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received a bill a few months back about a bill in which they had the incorrect date of birth. They said they would clear the payment, but now I have received a bill saying the account has been placed in collections. I have absolutely no idea what this company is whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OFXX/XX/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 non-monetary relief
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Every single month I have to file a complaint with transunioun for not updating my credit card accounts, this time it's my XXXX XXXX acct the balance is {$5.00} and has been updated on the two other bureaus since the XXXX, I have attached screenshots of credit report from XXXX and XXXX  showing my XXXX card, again transunion is the only credit bureau every single month that is not reporting my balances on time, this is very very frustrating and time consuming and needs to be resolved this month for good it does not keep happening, I have also attached my transunion report, again every single month there are reporting issues with transunion, I should not have to do this complaint every single month, my XXXX card may also be labeled XXXX XXXX XXXX, the balance is {$5.00} report date XX/XX/XXXX the XXXX of every month as u can see on the report, past and present

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 2018-07-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: MA

Complaint narrative:
On XX/XX/2018 I went to the XXXX, CT ( XXXX ) branch of Key Bank where I was a customer for a number of years. I needed to close my accounts and was assisted by one of their tellers in this. She was able to successfully close my checking account and give me a check for the balance, but when she attempted to do the same with my savings account, which had a balance of about {$11000.00}, a " computer issue '' occurred. It was unclear what this issue was, only that she was " locked out '' of the system. She called Key Bank 's helpline for assistance and after an hour was unable to make any progress towards closing the account and cutting me the check. I needed to leave the branch due to a commitment but was assured that she would continue to work on the issue and call me that afternoon. I was not contacted and called the bank myself on XX/XX/2018 to ask what was happening. They informed me that the teller who assisted me in closing the accounts was no longer employed by Key Bank and that the manager was investigating what had happened to my funds. My account has been closed ( this is shown by my online banking app ) but I have received no funds. I have contacted the bank again and have been given no answers, no updates beyond " we are working on it. '' At this time I feel suspicious of what has happened, especially as the employee in question is no longer working there. I can not understand why I have not been given my money, as it has now been 3 weeks since closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OF XX/XX/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 2018-07-10 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: EQUIFAX, INC.
State: MO

Complaint narrative:
SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OF XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing now in hopes to obtain your help. At the present time I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am inquiring about the account number referenced in this complaint. 

I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2018 and I am writing this to have this remark retracted. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
On XXXX XXXX I received an extension that push two payments to the end of the loan from XX/XX/XXXX to XX/XX/XXXX and I did change my payment due date from the XXXX to the XXXX. And yes I have made late payments at times but they were made. I inquired one day when I noticed the date of the last payment has been pushed back to XX/XX/2018. I was informed that I never had a maturity date of XX/XX/2018. So I went ahead and made the payment, then I was I told That I had late fees over 300 hundred dollars. My payments were XXXX and I always paid XXXX I was told that money went towards my loan. I received a call on Friday XX/XX/18 from a mr XXXX stating my car payment was 11 days past due, when I inquired more I was transfer to a XXXX XXXX Who stated my maturity date was XX/XX/2018 and he asked did I want to open a complaint, and I did. Today a very nasty ms XXXX called stating that my maturity date has nothing to do with all the loan money being paid off and That I still owe thousands on the car, even tho I have made 73 payments one over the 72 that was stated to me at the being of this process. I have a lot of files but is having trouble uploading them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stewart Information Services
State: NC

Complaint narrative:
On XX/XX/2018 XXXX and XXXX XXXX sold our home ( XXXX XXXX XXXX XXXX, Washington DC ) to XXXX XXXX and XXXX XXXX. At settlement, The Stewart Title Company explained to us not to discontinue any bills and that they would be responsible for paying the water bill to keep the services on. They told us this after we paid the pro-rated water bill {$220.00}. The {$220.00} was drafted out of our account, after XXXX XXXX after I vacated the premises. 
1. Stewart Title company paid XXXX. and XXXX and I paid {$220.00}, which made a credit amount of {$440.00} cr. on the account which is still in our name. I talked to XXXX XXXX ( XXXX ), the escrow specialist and she is supposed to send an OCR to XXXX XXXX XXXX XXXX to discontinue and remove our name off the water records. I talked to a Mr. XXXX from XXXX XXXX ( XXXX ) and he said they had not turned anything in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is reporting two collection accounts 1 is from XXXX XXXX - which was charged off in XXXX - and a XXXX XXXX account which is also over 7 years old ; they purchased these accounts in XXXX - but FCRA guidelines for California state debt can only be reported for 7 Years from the 1st original date of delinquency with the original creditor - not 7 years from the purchase date by a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing presently in wish to receive your help. At the present time I am working on reviewing my credit, paying down my balances, and pursuing better credit worthiness. You play a significant role in this procedure. I am inquiring about the account number referenced in this complaint. 
I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX   and XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have been a 20 plus year customer, in good standing, with American Express. I have found that I am not being credited with reward points as indicated the credit card agreement on an annual fee based credit card. I have repeatedly tried to resolve this issue with American Express customer service to no avail. I believe this is a fraudulent practice to charge me for a card and not provide the promised benefit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. 

Finally I had to get a new cell phone number instead. 

After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill.

One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX  was no longer in working condition. 

I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. 

This is the latest collection company : IC System XXXX Reference #  XXXX Account # XXXX Balance due : {$100.00}

Company response to consumer: Closed with explanation