vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The i tem   ( Inspiron 3050 - a microcomputer ) was received at my home address ( redacted ). It did  not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

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 2017-04-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank credit card MasterCard charge d me penalty interest rate for the period  XXXX    XXXX   to present. This was apparently because the minimum payment was late. The interest penalty rate was 30.00 %. Additionally late fee was charged. This penalty rate continued indefinitely despite all payments since   XXXX    XXXX  being on time. There was no intimations or notice of account being charged penalty rate.

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 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
About 60 days ago to be exact i viewed my credit report and noticed an account on there from the company i am filing this complaint against .... ARS ACCOUNT RESOLUTION. I was not aware of the debt because i was never notified by them or the original creditor. It says on my credit it is for medical but i have insurance?     I sent them a certified letter on  XXXX   XXXX  and i still have not heard back from them and the account is still listed on my credit. I do n't understand how they can post a account on my credit that is not mine and or post an account on my credit without validating the debt first to even see if it were mine or to offer some type of resolution.

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 2017-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I have been in the process of trying to transfer a balance to a new card from  Chase Card Services for a mont h. A cashier 's check was sent to  Chase Card Services   on   XXXX   XXXX    2017   for the full amount of my card balance in order to transfer the balance to my new card. I first called  Chase Card Services o n    XXXX   XXXX  2017    . I was told that when a check is received, it would be posted to my account. Also, told that there was nothing that could be done on their end in the process, except for posting the payment when received. The representative told me it could tak e 7-10  business days to process the payment. I was also told that I would be charged an interest payment, so my balance transfer would n't be my last payment. I waited several days before calling back on    XXXX   XXXX  2017    . I was told that the check had not been received. I asked to speak to a supervisor, at this time. The Chase supervisor told me the same information about processing the payment, but also added that it could tak e 3 weeks to a month to process this type of payment. In the meantime, I had to make 2 pay ments-one to  Chase  and  one  to my new card company on the same balance. I 've now received another reminder fro m Chase that my ne xt payment is due, still no balance transfer posted. I 've spoken to credit lenders and reviewed timelines for balance transfers to take place, and 30 days is excessive. I 'm concerned that my balance transfer is purposely being delayed in order for  Chase Credit Services  to continue to receive payment and interest on an account I have made efforts to transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
on  XXXX / XXXX /  XXXX  , I was on the phone for hours w ith American Express  ... .all representatives were " offshore '' as they put it, and when specifically asked they were in  XXXX   in  the  XXXX   . They   refused to transfer the call to the United States or give me a last name of the person asking for personal information from me.     The purpose of the call would have been to use their free transfer service to the bank account from which the card was loaded with {$200.00} as a trial to see how hard it was going to be to use an  American Express c ard places wher e Visa, Master Card,   XXXX , and other general credit cards are accepted. The answer is that   American Express is no longer widely accepted in the United States, and therefore, I wanted to get my cash back to my bank account.
The AMEX website clearly explains a free service to transfer the money to a bank account, how  ever, there is no way on the website to enter a bank account number, and their chosen method of loading money to thei r Serve credi t card is to do it from a  XXXX   XXXX   XXXX   debit card, not the checking account. Copy of page attached.  But AMEX wants 5 business  days to send a sample deposit and then you have to go back and enter the little deposits before you can make a transfer and then another 5 days for the transfer to post.. So in effect it is at least 10 days to move money   back into the bank it came from. Now, if i lived in a city, i could go to one of their ATM.s, but I am 80 miles from the closest one of those. So either I wait 10 days or drive 80 miles.
Had i been able to get to a representative in the USA, I   might have been able to speed things up, but i refuse to give my personal information to someone who is not in the United States

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The agency is not bondedin the state of texas to collect debt

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
O n or around   XXXX  2016 ,  a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The item  (   XXXX   XXXX  - a microcomputer ) was received at my home address  (  redacted ). It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ).  I was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of  2016 , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in unde r one year ( >  {$300.00} by the end of  2016  )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

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 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On or around  XXXX    XXXX  , a purchase was made on my  XXXX   XXXX   XXXX  account for approximately {$110.00}. The item was charged to my credit card, but the charge didnt go through according to  XXXX , and the item was subsequently charged to my  XXXX  credit account.   The item was delivered after a delay of several weeks later. The ite m ( Inspiron 3050 - a  microcomputer ) was received at my home add ress ( redacted ).  It did not include an invoice ( an invoice was obtained later after several requests to  XXXX   ). I  was not sent a statement by mail or email. I was never contacted by phone. I never received a bill for this item from  XXXX  or  XXXX   XXXX   XXXX . I was never contacted that the account was in arrears in any way. No request for payment was ever made at that time ( or since ).   At the end of   XXXX  , when applying for a mortgage, I was shocked to see that I had a negative credit report from  XXXX   XXXX   XXXX  for this item. This was the only negative report in my credit history. The negative credit report has resulted in significant increase in the mortgage loan rate that I was offered, which translates to future additional cost in the thousands of dollars.   Subsequent inquiries indicate that : - the account was sent to collections, without ever contacting me - although I was never contacted by  XXXX  with a statement or payment request, the account was reported as in default to the credit reporting agencies - checking the account online, shows that shipping address and billing address are correct ; although no correspondence was sent to this address regarding the apparent default, I continue to receive promotional correspondence from  XXXX  at this address.   - additional late charges and interest have been added to the account nearly tripling the amount due in u nder one year ( >   {$300.00} by the end of   XXXX   )!   - the  XXXX  representative I spoke with on the phone indicated that this handling of the account was not in keeping with  XXXX  policy and that the account should never have been sent to collections.     I feel that the handling of this case by  XXXX  is not a usual or expected business practice for the reasons indicated above. I believe that the proximate cause of damages is directly the result of the mishandling of this case by  XXXX   XXXX   XXXX .     A cheque has been sent to  XXXX ,  XXXX  to cover the cost of the initial purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J&L Collection Services
State: CA

Complaint narrative:
J & L Teamworks p laced  XXXX  unknown accounts on my credit. I do n't know what the accounts are for- it does not state on my credit. All i know is that the accounts are not mine and i do not know whom they belong to.     I have lived at my current residence for the past 10 years and i have not received a collection or demand noti ce from J & L Teamworks, I dis covered the accounts while viewing my credit report.     I sent them  XXXX  certified letters which they have received but the accounts still remain on my credit and no representative from their company has reached out to me even though they my certified letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On   XXXX   XXXX   XXXX     I went to Chase to close my account with them and find out that another account was overdraw and ask the Ban k Staff a t the can I close this account once I pay the amount overdrawn I was told no I would have to wait to the cash, Cashier is process in order to close the account. I would like is ther e United State Federal Reserve and United States Federal Regulation regarding this that   state if I was to deposit money not matter it is Cash or Cash Check from another Bank that I would be required to wa it unto the transaction is clear. What are in the United States Federal Regulations about closu re of account and Fraud Account is it legal to hold the customer responsible for Fraud that happen in an bank account debit card and will the bank require to investigate convicted the individual that committed the Fraud many of the banks are make the customer responsible for these charges and what happen to FDIC  Insurance on Unit ed States Banks  Accounts an whe n you open account are the Bank inform customer of the FDIC  Insurance on accounts hand out legal documentation Please investigate ensure that Chase,    XXXX   XXXX   XXXX  ,   XXXX   XXXX   and  XXXX   XXXX  are process and conducting Banking Product according to United States Federal Reserve and United Sta tes Federal Regulations and do the bank supposed to issue Bank Debit and Credit on the spot or is this conce rn a temporary Debit Card because this is was the United States Banks are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: WI

Complaint narrative:
They lied. They claimed that I have  XXXX  open accounts. It 's not true. I only have  XXXX  open credit card accounts. They gave false report and scores to the car loan company. I could n't get the loan because of the companies ' false reports. So my dad cosigned with me because he has great 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 2017-04-28 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I went t o Virgin Americas w ebsite to look into booking a flight on their airline. Through that process I came across a credit card and decided to apply. I was instantly approved with  a credit score of    XXXX . About a week later my new card arrived in the mail and as I attempted to activate it and make a purchase I realized that the card was not working. I then reached out to Comenity Bank who issues  the Visa and  they explained to me that my account had been closed and a letter would be mailed to my house. Come to find out the account was closed due to the product not being offered anymore through the bank and company due to the merging of them and another airline  XXXX . I have reached out to Comenity Bank to get them removed the inquiry and account off of my credit report to no avail. I should never been allowed to apply for their credit card if they never intended for me to own it and therefore it would have never resulted in an inquiry and account. I have filed a dispute with  XXXX  of the credit bureaus but its a lot of work to try and get them all done and I need my governments help with the matter as this appears to me to a violation of  the Truth in Lending regu lation due to it being a deceptive practice that result in real damages to my credit scores across the board. Thank you -  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
On  XXXX / XXXX / XXXX , I discovered that a collection has appeared on my   XXXX   credit report. I have no idea what the collection pertains to.     The collection shows the amount of {$100.00} and an original date of  XXXX   XXXX . However, no account number, contact telephone number, or contact address is available. If I am responsible for the alleged debt, I should have been notified by letter of the existence of a collection. However, to date, I have not received prior notice of a collection account. Therefore, I have never had the right and opportunity to dispute the validity of the alleged debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: OH

Complaint narrative:
In  XXXX     2017 i attempted to make a payment to my capital one accounts, after the payment submitted I realized u had used the wrong account for the payment account and I was unable to change it. So the next day I made a payment with the correct account and I thought everything was fine. Capital One re ported me as 30 days late for the month of  XXXX . I have never been late in the 2 years I have had these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a account with Bank of America and had checks written that I did n't write but everything was paid off but still red flagged me and I ca n't open account at any bank but account was closed and paid off. Just would like to open a checking account again. It has been 4 years since I had it. Thanks  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 2017-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
CoPayments to   XXXX   XXXX   XXXX   XXXX  ,  XXXX , nj were paid through credit card during every visit and rest of the payments were paid by my insurance company. Before taking advantage of their service it was agreed that I need to take care of only copayment as they checked all details with my insurance company.     Now I have received {$170.00} from transworld systems Inc  XXXX   XXXX   XXXX ,   XXXX   XXXX  , pa  XXXX

Company response to consumer: Closed with explanation