vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 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: Embassy Loans
State: FL

Complaint narrative:
I contacted the EMBASSY LOANS INC to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted Embassy on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
In XX/XX/2018 as I was preparing to sell my house, I was reviewing my payment history on Ditech Financial and noticed that they had made an error in XX/XX/2018 they posted my mortgage payment twice on, and then reversed the duplicated payment that was posted in error on XX/XX/XXXX and then they then reversed the payment a second time on XX/XX/XXXX, when I called to inquire about this the representative first told me they had re-applied the second one on XX/XX/XXXX and he sent me a PDF showing this payment was in fact re-applied, what I found very odd was that the principal balance I could see online and the principal balance of this PDF they sent me was exactly the same. I questioned him on the fact that the math on the PDF that was sent did not add up and that the principal balance was exactly the same as what I see online without the reapplied payment. If in fact they did reapply that payment then there would be a significant difference in the principal balance. I was then told that it was a programming issue and that the computer system shows different information online as to what they have in the system, I informed him that I am a computer engineer and what he is saying sounds very suspicious. I asked to speak with a supervisor who also argued with me about this imaginary reapplied payment. The PDF that was sent to me was only available to view for 45 mins then it was removed from the system. I have since sold my house and probably can't recover the money that they have shorted me, however I am extremely concerned that they are possibly doing the same to other consumers

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 2018-11-29 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: DISCOVER BANK
State: PA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account ( XXXX XXXX XXXX XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that ( XXXX XXXX XXXX XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: FL

Complaint narrative:
My credit report reflects a charge for something that is not mine. I have tried to call the company involved, they refuse to help even though the socials and birth date do not match. They said I have to get in touch with the collection agency, which I have and they refuse to help me as well. I contact the credit bureau, all three of them and filed a dispute 3 times with experian, have so with XXXX and XXXX? The file remains on my report and again this is NOT mine? For some reason they are refusing to remove what is not mine and ruining my credit. 

Again in XXXX alone I have disputed this charge with XXXX three times. 
Called the collection agency. 
Called the company originally involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
My direct deposit was processed and sent to Amex serve on XX/XX/18. I spoke with the CEO of our company whom confirmed with the bank that it was sent over to American Express Serve and they accepted it. 

This is the third time this has happened. The second time it happened i waited 7 days for my money and American Express deposited {$50.00} good faith credit in my account without speaking to me and sent me a letter of apology. This time i am afraid as i have rent to pay in less than 48 hours. I am in tears and i cant get through to anyone in customer service i have been trying since yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I tried talking to the company and explained to them that this accounts are freaud. They have been removed from other credit bureaus and Equifax for some reason reporting same act 3 times. I provided all paperwork and no one is doing anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 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: FL

Complaint narrative:
I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-29 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: FL

Complaint narrative:
I contacted the XXXX XXXX XXXX to inform that the information that they are reporting to the credit bureau is incorrect and I was told that the information would be updated to show the correct information and it has yet to be corrected. I contacted XXXX on XX/XX/2018 and it is now 90 days since i have spoken to they. This has really affected my credit in a negative way and I am looking for a resolution to this problem.

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 2018-11-29 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: MA

Complaint narrative:
I recently applied for and received an American Express XXXX XXXX. This card is advertised to earn 4X Membership Rewards for Restaurants. My last statement has multiple restaurant charges that DO NOT earn the advertised 4X. I contacted American Express about these discrepancies and was told that these charges did not earn 4X because the restaurant did meet the criteria. However, the charge is clearly labeled Restaurant : Restaurant by American Express 's own data. 

During the Chat - American Express would only look at individual charges and NOT all the Restaurant : Restaurant charges that did not earn the 4X.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: FL

Complaint narrative:
I made a purchase with my credit card from capital one in the amount of XXXX at XXXX XXXX XXXX. I authorized my card to be used as a credit card. It is not a debit card only a capital one credit card. Capital one ran the charge as a wire transfer and then charged me an extra XXXX in cash advance interest and a XXXX cash advance fee. When I spoke with capital one, they informed me that the merchant ran the card as a wire transfer. The merchant responded that they can't do that and ran it as a credit card. I have used another mastercard at this merchant without a problem in the past. Capital one has ran my card in an unauthorized manner in order to charge higher interest and a cash advance fee. I would not have used my card if I had known it would be considered a cash advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
UNIV OF XXXX has an account on my report from XX/XX/XXXX. They have not contacted me as to debt owed. I had grants and student loans. The information is old and should be off of my report. They are showing the last payment as XX/XX/XXXX to try to keep the account on my report longer than lawful. The information is inaccurate. And all of the other bureaus removed it but Equifax wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Sent previous dispute to collection agency along with previous correspondence informing the debt is not validated and that I do not have any delinquent accounts with creditor. Also reached out to creditor XX/XX/18 to confirm that there aren't any past due or charged off accounts. Any account I previously held with creditor has been paid in full and is reflected as such on my credit report and my current account with the creditor is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
This company has reported on my credit an amount {$470.00} without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred XX/XX/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. )  when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Back in XXXX I receive a statement from citi bank about my secured credit card. In the statement the detail stated that my account would be close for late payments. on XX/XX/XXXX I made a payment of XXXX dollar on XX/XX/XXXX the company applied my XXXX dollar security deposit to my account with made me owing only XXXX to my account. On XXXX XXXX I paid the XXXX at that time my account was at XXXX and had already been close prior to me making that payment. I no this because i called the company the same day that i made the payment to ask if i could start back using the card. I was told by representative that my account was close and at a XXXX balance and that with a secured credit card if the account go over for late payments that they would apply what ever security deposit that was put down and that they would close the account. This all happen on the XX/XX/XXXX. then on the XX/XX/XXXX. The company charged me interest and late fees on an account the was closes prior to the XX/XX/XXXX. and they are still adding late fees to this closes account. I have call them and all am getting is that i own a fee. i am not understanding have a company can change you a late fee after you paid the payment that was due and after the account was at a XXXX balance and close by them.

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 monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reluctantly opened at charge account at Kohl 's at the instance of a cashier ( XX/XX/XXXX ). 
I paid off the first bill online by enrolling my bank account information into the Kohl 's website. I don't remember agreeing to email statements ; it must have been a default checkbox somewhere. 
Some number of months later ( XX/XX/XXXX ) I used the credit card, expecting the bill to be paid automatically like every one of my other credit cards is. The bill was due XX/XX/XXXX, but unpaid since I apparently was not enrolled into the auto-payment system. 
Kohl 's online statement went to a junk mail account and I never read it. Kohl 's had the email receipt feature turned on, so they should have known I never read it. 
Kohl 's did not call me to inform me that my payment was late. The cashiers at the store can accept payments at the register, but they never told me that I had an outstanding balance. 
Kohl 's printed a USPS notification on XX/XX/XXXX. I read it on XX/XX/XXXX and I immediately called them and paid my bill, including all the fees ( which were almost as great as the original balance ). 
The customer service agent said that they report late payments at 30 days late and are required to report late payments ( this is not a true statement ). 
I called Kohl 's back a few days later and spoke to a supervisor. She said Kohl 's doesn't report late payments until 60 days late. My payment was not 60 days late, so I didn't worry much about it. However, I called back again and asked if Kohl 's had indeed reported me to the credit agencies. The agent did not know, but submitted a request to the back office. She said they would get back to me within a few days. They never did. 

My credit history was almost perfect and now spoiled because Kohl 's did make a reasonable attempt to notify me of the problem. 

My complaints : 1 ) Kohl 's did not call me nor send USPS mail when they should have known that I was not receiving their emailed statements. I would gladly have paid immediately upon notification.

2 ) The first agent said that Kohl 's was required to report late payments and there was nothing they could do about that. This is incorrect information.

3 ) The second agent gave me false credit information about when Kohl 's reports late payments. My payment was not 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
i pay {$220.00} dated XX/XX/07; 2018 for company name XXXX XXXX XXXX referce id XXXX this itam alradey my credit report for colection itam pl remove this thing thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: SC

Complaint narrative:
This has been an ongoing situation that I have addressed with the mentioned bank so there are multiple dates and various amounts involved.I have tried both emails and phone calls to try and resolve this problem. 

I was instructed by South State Bank to make my loan payment online or I would have to pay a {$10.00} fee. Whenever I make an online payment for a principle payment only to bring down the balance, the payment is made towards interest that is not due yet first with the remainder going towards principle even though I clearly state in the memo line " APPLY TO PRINCIPLE ONLY '' as I was instructed to do. I then have to call the bank two to three times and wait on hold each time to get the payment applied properly. Even then it takes several days for the payment to be corrected. I have spoken and emailed Mr. XXXX XXXX as well as other bank associates on numerous occasions about the additional costs in interest and the waste of my personal time but nothing ever changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me.. Remove XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX ,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2018, my employer sent a direct deposit of XXXX to my PayPal account for deposit on XX/XX/2018, and it has been held by PayPal since. Every time I speak to them on the phone, I am told that it will deposit the next day, however, it doesn't. 

What they have done is illegal and I new my money released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 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: CA

Complaint narrative:
Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint.. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me. Remove XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allegiant Capital Recovery LLC
State: TX

Complaint narrative:
Called my relatives on XX/XX/XXXX and gave out birthday and SSN over the phone to them. Spoke abusively to my wife when tried to call back about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express Serv mobile app has been down for days. I can not access my balance, transfer funds or make purchases. They are holding my monies hostage. 

The date the issues started was XX/XX/2018

Company response to consumer: Closed with explanation