vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-23 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: VA

Complaint narrative:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has XXXX  dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.

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 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
inaccurate information showing on credit reports that is not know to me

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 2019-06-23 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: VA

Complaint narrative:
This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are two bureaus reporting different information. One bureau is showing a payment amount while the other has 0 dollars as a payment amount. The date open date is different on the two bureaus. Also the amount owed is less than the high payment. Please remove this account from my report due to its inaccuracies.

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 2019-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
After I noticed my student loan account was in Paid Ahead status, I submitted an online request to FedLoan Servicing ( PHEAA ) on XX/XX/XXXX to remove it from Paid Ahead status and explain why and when it had been put into Paid Ahead Status. All of the instructions I send with my loan payments explicitly say to not put my account into Paid Ahead status, as did my previous CFPB complaint in XX/XX/XXXX. My XX/XX/XXXX online request also asked FedLoan servicing to keep my monthly bill at the original amount it started at, instead of sending me bills with different payment amounts each month, which I hadn't asked for. Note that in my online request to them I had listed {$250.00} as the original monthly bill amount, but it looks like the original amount was actually {$260.00}. I received an acknowledgment that they had received my XX/XX/XXXX request onXX/XX/XXXX, but they never responded to my questions or fixed these problems after almost 3 months! 

In addition, FedLoan Servicing ( PHEAA ) isn't following the instructions I send with my payments. As only one example of many, my XX/XX/XXXXbill was for {$240.00} and I paid {$330.00} on XX/XX/XXXXand instructed them to apply the additional {$91.00} to the loan disbursed on XX/XX/XXXX. They did not follow these instructions and only applied {$35.00} to the principal of this loan. Who knows where the rest of this money went and why! 

I have attached the following documents : 1. XX/XX/XXXX payment instructions that includes direction not to pay my account ahead. 
2. XXXX XXXX payment instructions 3. XX/XX/XXXX payment instructions 4. XX/XX/XXXX payment instructions 5. XX/XX/XXXX online request to remove Paid Ahead status and change my payment back to original amount 6. Confirmation that they received my XX/XX/XXXX request 7.  Account Summary page from XX/XX/XXXX showing my account in Paid Ahead status 8. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 9. XX/XX/XXXX monthly bill showing current balance, interest, and payment allocation 10. XXXX Payment distribution across loans showing only {$35.00} applied to principal of Disb. XX/XX/XXXX loan 11. Screenshot of Disb. XX/XX/XXXX loan showing only {$35.00} applied to principal from XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK
State: AR

Complaint narrative:
COMMERCE BANK OF XXXX XXXX AAND XXXX ARE SUBJECT TO CLASS ACTION LITIGATION FOR VIOLATING F.C.R.A. AND T.I.L.A. THE F.C.B.A. AND THE DODD FRANK WALL STREET REFORM & CONSUMER ACT TITLE X. AGAIN AND AGAIN! FAILING TO REFUND ALL FEES ETC..SEE ATTACHED DOCUMENTATION AND LAWSUITS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: DISCOVER BANK
State: MD

Complaint narrative:
I have applied for a credit card for the amount of {$5000.00} from discover card services, I am sitting on {$6900.00} as of XXXX. I haven't missed a payment, my interest rate is 25 %. I asked them to close the account and still changing me Interest. I have stopped using the card for over a year and continue paying every month. instead of my balance going down it keeps going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
We had our mortgage through Pacific Union Financial until this year when Mr.Cooper bought them out. Our account was ready in XXXX when we started making our first payment. I made the first payment through auto draft. I did not notice until XXXX that XXXX XXXX Payment was reversed. I went ahead and sent both payments in and they were both reversed around the XXXX of the month. I tried contacting them and they didn't know what was going on and said to contact my bank. I still did not hear anything back and was scolded by a customer service rep for being late on my mortgage when it was their fault. XXXX comes around I try to make another autodraft payment and it was reversed again. At this point I was in a loan modification that is still going on back and forth because they have lost my paperwork twice. XXXX rolls around someone at Mrcooper finally informs me that I can make a wire payment with XXXX   XXXX or XXXX XXXX. I tried both for several hours online and at physical locations. They did not accept it so I sent the payment in the mail to find out they are sending it back now. I feel like this mortgage company is a scam and they are just trying to make me go into foreclosure because I have XXXX equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was enrolled in Chase Sapphire Banking 's welcome promotion in XXXX. The term was 'Transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts, and maintain that balance for 90 days. ' to earn XXXX Ultimate Rewards Points bonus. 

I transferred more than {$75000.00} ( through cash and investment account ) at the end of XXXX and maintained that balance more than 90 days till XXXX. During that process, I called multiple times before and after the deadline, to confirm that I am eligible for this bonus and was told I should just be patient with the points being deposited to my account in XXXX. 

I waited and waited and finally gave them another call in the beginning of XXXX, because I do not see the points being deposited. And was told that I didn't meet the requirement because my balance reached below {$75000.00} for one month. I asked for a internal dispute as I never moved money out of that account during that period. They promised to reach out within 5 business day with the result. As of XX/XX/2019, 10 business days later, I still have not heard from them. I am disappointed in the level of service provided by Chase but more importantly how they failed to honor their promise over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
On XXXX, XXXX, I received a credit alert that there had been medical collections placed on my credit report. I'm closing on a home XX/XX/XXXX and these medical collections has hauled my closing. On XX/XX/XXXX, I called Nationwide and spoke with XXXX I asked about the collections and explained I had not received notice in the mail. I explained that I need to have these removed because I was in the process of closing on a home. I asked about date of service she stated in XX/XX/XXXX. I did not argue about the bill because I needed these to be removed so that I could proceed with my closing. I asked XXXX if I paid would these collections be removed, she stated that they would be. I asked if she would be able to fax me proof of payment so that I could submit to the loan officer. She stated that should could only give me proof if I come into the office in XXXX XXXX, Illinois and made the payment. 

I then reached out to XXXX on XX/XX/XXXX and explained that I would be coming into the office to pay. Once I arrived I spoke with XXXX, the receptionist. I explained that I need to pay collections and I needed itemized bill from hospital showing what I owed. She stated that the lady that handled that account is out of town and would return next week, but XXXX would fax over the itemized bill and the collections would be removed the XX/XX/XXXX which is when Nationwide ran information to credit bureaus to be removed. 

On XX/XX/XXXX I received another alert that Nationwide had placed the same collections again on my credit reports after I had paid the accounts off. Now I can't move forward with closing, in fact the deal may fall through because of these four collections which two of the collections are duplicate? 

The way that Nationwide  had damaged my credit is unfair and it could cost my dream of being a first-time home owner to be lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I am having problems with DiTech Financial LLC. I have had nothing but problems with this company for months now. They supposedly restructured and changed my account number and my loan is supposed to mature XX/XX/XXXX and my payoff amount is over {$6000.00} and I have never missed a payment since XXXX. They now claim I owe money for my escrow which has never happened in the past 13 years. They made the changes with restructuring and said I had to have my autopay changed because they no longer could process biweekly payments so I sent paperwork to make a full mortgage payment once a month and for 3 months the payment never came out so I mailed payments to keep from getting behind then once I started complaining about the payoff amount being wrong they suddenly biweekly drafted a full payment in one month almost overdrawing my checking account. I have been calling and they all say they are researching my account to see why the payoff amount is so high to give them 5 to 7 days and they will let me know something I have called never get to talk to the same person then everyone is submitting a dispute claim for me yet no one has done that yet I have no answers after a month now when I call and give my account number their computers crash and they will call me right back as soon as they reboot which has happened with 5 different customer service agents and never gotten a call back. Then when I called back about the autopay the systems crashed again so no one can help me. They are taking my money and doing nothing to research and fix this problem.They changed my autopay draft date without my permission. I am tired of the lies from every customer service agent and getting no help. Please help me with this corrupt company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I tried to open a joint savings account with my spouse " XXXX XXXX '' but it was rejected. I was asked to reach out to XXXX XXXX. From them ( XXXX  XXXX ) I come to know that there is a balance of {$2400.00} which is not paid by her ( XXXX XXXX ) and that's why the joint savings account can not be opened. 

But this was already paid ( more than 90 days back ). So why in the world Ally bank is doing all this? I have the entire emails regarding this discussion. All the transactions are also been recorded. 

It seems that Ally Bank has no idea what they are you doing?

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 2019-06-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a hard pull from Wells Fargo as well as a Jewelers company that I never submitted for any credit approval.

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 2019-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank personnel call me once or twice day regarding another individual. They do not contend that I owe them money. Rather, they claim I am a secondary contact number for another. 

I have asked them to stop calling my number on three separate occasions. Each time I do so they falsely state they have never been asked to cease calling. 

The person who called this morning, Sunday, XX/XX/XXXX at XXXX XXXXXXXXXXXX. identified himself as Mr. XXXX and left a callback number of : XXXX, ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This is a letter I am mailing to the company. I already talked to them on the phone, but I want to send a formal complaint in writing. It has all of the pertinent information in it. 

" To whom it may concern : I am writing this letter in regards to my American Express Serve/XXXX XXXX card. It was brought to my attention yesterday ( XX/XX/2019 ) that my account was permanently closed due to a violation in the member/user agreement per Section " 15D ''. I have read such section, which is very vague, and I am not sure what " violation '' American Express is alledging I did. What a way to do business! I was NEVER contacted, PRIOR to you closing my account. Instead of you attempting to communicate with me to ensure my account was protected, or even find out if I was aware of suspicious activity, you close my account. I work for the XXXX XXXX ( a XXXX XXXX ), and I have NEVER done anything illegal and/or inappropriate with my card. I am formally notifying you that there obviously been some fraudulent activity relating to my card, that I was not aware of, and your company so graciously waited until AFTER the alledged activity to make me aware of it. Via the Freedom of Information Act, I am requesting a copy of ALL my transactions connected with your decision to close my account. I am also requesting arbritration for your decision. I am also contacting the XXXX, Consumer Protection, FCC, Ohio Attorney General, and any other entity or individual I can think of that can assist me with this matter. 

I only used this card in a " normal '' fashion, the same as an average person would. Subsequently, whatever you are alledging I did that resulted in a permanent closing of my account, was NOT of MY doing, or MY authorization/permission. Someone has infiltrated my sensitive information and your " company '' is punishing me for it. 

I feel the way American Express has handled this is NOT best practices and really is an indication you have no concern for the cardholder. 

I would appreciate a timely reply, and that this reply has as much diligence and enthusiasm you did when you arbitrarily and capriciously made an unilateral decision to close my account. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: ME

Complaint narrative:
I was offered a 1.99 % rate promotion on my credit card balance until XX/XX/2020. I was a little confused by how the offer worked so I contacted AMEX toask a specific question about how this would work with my current and end of XX/XX/XXXX statement balance. I was assured that the 1.99 % rate would apply to my existing balance at the end of my XX/XX/XXXX statement. When I received my XX/XX/XXXX statement I was charged 17.24 % interest so I contacted them to ask why they said that the 1.99 % rate was only in effect for purchases after XX/XX/XXXX ( the day I signed up ). I pointed out that this was not what I was told by the agent on XX/XX/XXXX and they could see it in the prior chat conversation but said that they were sorry for the inconvenience but the prior agent had either misunderstood my question or misinformed me but there was nothing they could do about it. I asked to speak to a supervisor and she basically told me the same thing. I have a long history with this company of paying my balance in full each month so why would I have agreed to pay 17.24 % on this balance? If I needed to secure funds to pay the balance off I would have used my HELOC at a 4.5 % rate. It just does not make sense to me why they would not correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 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: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I have a hard pull from XXXX XXXX as well as a Jewelers company that I never submitted for any credit approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
am XXXX, onn a recent trip to XXXX to visit my family I tried to check my balances on Coinbase. When I returned to the United States, I was surprised to find out that Coinbase had locked my access to my own account. They requested documents to show that I live in the US and I sent the same day my back account statements as they required. However, even after I resubmitted all documents requested I haven't heard from them in more than 12 days. It is impossible to get a person on the phone to discuss this issue. They only have email communication available but the response is obviously automated.I don't have access to about {$9000.00} dollars value in cryptocurrency. I contacted them several times and not resolution at this time, is not the first time I filled a complaint against them, last year they locked my account and was almost 1 month to gain access again. I need them to unlock account asap. Thank You for helping us on this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Over the last 4-5 years, I have filed all the proper forms, via certified USPS mail, notarized, and still incorrect information of all types litter my credit report. I have used phone calls, email, USPS and nothing gets corrected. I have been part of the Equifax data breach, I can not access online account, I was unable to update utilities to my married name this month because of the trouble and I can never get a credit report online. I have all the documents saved as well as receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The origanal Creditor was XXXX XXXX XXXX in the amount of XXXX dollars who sold the account to LVNV Funding On XX/XX/XXXX I got a letter from LVNV that they placed the account with RESURGENT I paid the collection agency Resurgent {$490.00} dollars as a settlement offer ( meaning paid with no further obligation. I paid this company because on XX/XX/2019 I got a letter stating that LVNV Funding Had placed the account with RESurgent Capital Service. After I had fulfilled my credit Obligation and took the settlement offer and paid them LVNV Funding has place a collection account on my credit for {$220.00} dollars.

This account was never mind i just agreed to settle on this account so that it would not affect my credit.

I am requesting validation .competent evidence bearing my signature a contractual obligation to this company LVNV Funding or that this unfair account that was placed unfairly on my report be removed immediately.

Company response to consumer: Closed with non-monetary relief