vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Two overdraft fees for two transaction that were not pay by the bank those two transactions came in at XXXX XXXX  and at XXXX XXXX I had over one thousand dollars deposited from payroll. I was charged two fee when the bank didnt pay for my two automatic payments that came out of the account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was due an escrow overage refund of {$100.00} cents. Loancare, a XXXX XXXX, shows a copy of the check on my online account. The address is not entered correctly, and cut off important information so that the check could not be delivered. The check was never cashed. Loancare ignored this fact, and never reflected on my statement that the check was not cashed. I called customer service no less than 5 times over the past year to get a new check issued. Every time I called they told me they would take care of it. However, it never got resolved, and does not reflect on my account that they ever tried to reissue a check. The last response I got was that they were going to overnight a check to me on Wednesday, XX/XX/XXXX, and I would receive it on XX/XX/XXXX. Of course the check never arrived, and I got no information regarding the check being mailed with tracking information through my email, or on my account. I called again today, XX/XX/XXXX to check again on what the status was. I was told the check went out today overnight mail. I asked what carrier was used, and could I get the tracking number. The customer service representative couldn't tell me who the carrier was, or what the tracking number was. I asked to speak to a supervisor, and was put on hold for 20 minutes before I realized they didn't intend to pick up my call. I fully believe that Loancare is committing financial fraud by hiding refunds from customers. If I wasn't savvy enough to keep pursuing this, they would certainly be keeping the money. How many other customers have they cheated? I am sure I am not alone. 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 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have 6 paid collection accounts on my report with XXXX  ( formally XXXX XXXX ),  two with XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have sent each collector a letter asking for proof that it was paid. I have also disputed the accounts with TransUnion, XXXX  and XXXX  to try and get the paid collections removed from my report. I am currently out of a place to live and I'm trying to get a house. I paid the collections in hopes that would get them removed from my report, but they are still reporting negatively and I am out of options, but to file with you. Below I have included letters I have sent to TransUnion, XXXX, XXXX, as well as the creditors of all of the collection accounts. I have also included pictures of how my accounts are reporting to the bureaus.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. 
Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job

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 2020-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Due to some unforeseen expenses in XX/XX/XXXX, I was unable to make my personal loan payment to PNC Bank. As a busy working professional, I am not always able to make a phone call during the normal business day, so, I have not been able to reach out and discuss my loan and payment until today, XX/XX/XXXX. My loan payment is typically due on the 21st of every month. However, on XX/XX/XXXX, PNC Bank decided to automatically withdraw my payment of {$99.00}. This was an unexpected withdrawal from my account. I was able to call today and speak to a representative at PNC Bank at XXXX XXXX, during this conversation, I was informed that in cases of missed payments, PNC Bank will randomly decide to withdraw money from my checking account and " unfortunately, we do not know when that will be ''. In order to offer a solution, I asked if the bank to reverse this unexpected withdrawal and set up a payment from Friday, XX/XX/XXXX which will bring the balance of the loan to current. This request was denied because I had not had an opportunity to call prior today. I have, however, tried to reach out to PNC through their online customer service chat. I spoke to three different online agents and not a single of them was trained adequately enough to handle my loan questions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank provided a promotion offer for opening a new checking account and meeting requirements. As a qualified customer, I met all required activities within the given time. PNC customer service representative confirmed the bonus of {$500.00} will post in 60-90 days after XX/XX/XXXX, or approximately XX/XX/XXXX When the bonus failed to post in my account, I followed up with the bank several times online. PNC Bank opened a ticket for tracking purpose, but evenutally no explanation was provided, bonus was never provided as of XX/XX/XXXX. 

As a consumer, I expect a bank to honor a promotion offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 Days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I have a loan with CARRINGTON MORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX  and CARRINGTON MORTGAGE with no successful resolution. XXXX, XXXX   and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NE

Complaint narrative:
My mortgage company, SunTrust has not removed the PMI from my loan. I have paid well over half of the mortage. I contacted them in XX/XX/XXXXand was told the company needed 12 months of payments and it would come off automatically. But at this point the loan was already paid off over 40 %. So I waited until XX/XX/XXXX when they said it would automatically come off and it did not. I called SunTrust and they said I needed to request for its removal in writing. I did that over 3 weeks ago and have not heard back.

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 2020-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a promo offer for 5 X points for charges on my Care Credit account through XX/XX/20. I used my card at a network dental provider, but did not receive the promo offer. I have sent multiple messages, and called Synchrony Bank, up to and including sending pictures of the actual promo received. They are stating that it was a XXXX offer, and it is very clear to me that they are not even referencing the promo I received. I have the promo card offer there are no dates other than charges thru XX/XX/20. I received 2 X points, but not the 5 points offered on the mailer. Very deceptive and misleading advertising. I have had multiple issues with this bank and the integrity of their promo offers.

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 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have verbally requested Santander Mortgage Servicing to update my mailing address for my 2 mortgages I have with them. I previously updated Santander 's 'banking side ' verbally and this was not an issue. However I was told by Santander Mortgage Servicing that they were required " by law '' to get my request to update my mortgage mailing address in writing. To the best of my knowledge that is a lie, there is/are no Federal or State laws which require such a request in writing, as a matter of fact if anything its just the opposite, Santander Mortgage Servicing has a fiduciary responsibility to update my mailing address as quickly as possible, something they are refusing to do without a signed written request. There is no need for that as it only further exacerbates the fact my personal financial information has been being mailed to the incorrect address for the past six-months. 

My mailing address is ( and needs to be updated on both mortgages to ) : XXXX XXXX XXXX  XXXX XXXX, FL XXXX That's all that needs to be done, and Santander is  refusing to do so without a signed written authorization, and providing false, misleading and/or blatantly incorrect information as to why. 

Sincerely, 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 2020-01-17 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American Express closed my account, as American Express had just charged me with an annual fee, I requested a refund. Heard nothing from American Express. Understand this is American Express standard operating procedure, not providing refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/2019, I entered into a small loan agreement with XXXX, XXXX by utilizing their website at XXXX. Unknown to me at the time, XXXX, XXXX, and their supporting partner, XXXX XXXX XXXX, initiated this loan in violation of Ohio Consumer Protection laws, to be exact, Ohio Revised Code 1321.36. This loan is paid in full, however, XXXX , XXXX is reporting this account illegally to my Experian credit report. 

I have tried to resolve this with both Experian and XXXX, XXXX XXXX, XXXX refuses to  follow state consumer protection laws and continues to illegally report this account on my credit report. Their argument is that XXXX XXXX XXXX ( who does not even appear on my credit report ) is legally allowed to enter into this loan according to 12 U.S. Code 85.

The Dodd-Frank Act allows state consumer protection laws to supersede federal lending laws when there is no discrimination present against the bank. Ohio Revised Code 1321.36 simply states that " all '' short term loan lenders must be licensed by the State of  Ohio to provide short term loans. Because neither XXXX, XXXX or XXXX XXXX XXXX  are licensed to provide short term loans in the State of Ohio, they are in fact illegally reporting this information to Experian. Licenses can be searched online at https : 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 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I became aware that I had been a victim of identity fraud and had multiple consumer accounts opened under my name. While I was able to place a fraud alert on my credit report and resolve and close a majority of them with no issue, an account with XXXX I have not been able to resolve. In XX/XX/XXXX I filed a report with the FTC and mailed it along with the fraud packet with per the process on the XXXX website, which resulted in nothing. I spent a few phone trying to speak with a rep about it and was transferred in circles getting nowhere. 

During the same time I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX stating that the fraudulent XXXX account had been placed in collections with a total of {$450.00} due XXXX document attached ). 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the collections account had been placed with them for a new total of {$2200.00} XXXX document attached ). Around this time I contacted a law firm for help and requested my credit report from the major bureaus, all which had the collections account reported. I was also receiving multiple calls a day from the company. 

XX/XX/XXXX I received a letter from Source Receivables Management stating that the collection was now with them for the same amount ( doc attached ). On XX/XX/XXXX I sent a debt dispute letter to them. All communications trying to collect the debt stopped and I thought it was taken care of. 

In XX/XX/XXXX I was unable to lease a car without a co-signer because of my credit score from the collections account still being on my XXXX report. 

XX/XX/XXXX - I filed an initial dispute with XXXX about the account. 
XX/XX/XXXX - XXXX replied and confirmed the account was accurate. 
XX/XX/XXXX - I filed a second dispute, with supporting documents ( written statement attached ). 
XX/XX/XXXX - Another fraud alert was placed on my report XX/XX/XXXX - Received mail from XXXX about the second dispute investigation stating the collections account is " Not Specified '' and still on my report. 

I have also taken steps to file a police report to send as documentation if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Moneylion, INCXXXX has been contacted multiple times since XXXX 2019 by consumer. The bank has not responded to any attempts. Consumers payment information changed and needed to be udated but the bank did not provide an opportunity to change the information, this action led to the account becoming past due. Although the bank never attempted to resolve this matter with the consumer, and the consumer attempting to, the bank has reported negatively to the credit bureaus. Consumer contacted bank to both remove the false information on credit report and resolve account payments, to no avail. Consumer has no other resources other than legal help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am requesting investigation by the CFPB regarding " Capital One Bank '' refusal to assist me with my three credit card accounts ( acct # 's XXXX, XXXX & XXXX ) I have with them according to the " Rule 5000 ''. https : //www.fdic.gov/XXXXl I have contacted them on multiple occasions via certified letters and phone calls to advise them I have experienced a severe personal medical crisis that has left me XXXX. As a result, I have not been able to make my minimum monthly payments due to not having the same income I once had as I am no longer able to work and now only have social security as my sole income. 
When I have called requesting assistance, I am told by their customer service reps that there are " no options '' available and unfortunately my accounts will eventually " charge off '' to my credit file. All the while, they continue to add fees and interest increasing the balances. 
I understand from reading online that Capital One does indeed have customer assistance plans and have put other customers on these plans to assist them with their accounts. I don't understand why I am being discriminated against with their refusal to help me and would rather " charge off '' my accounts than offer me a plan so I can pay them. 

I humbly ask that the CFPB investigate this issue on my behalf and advise if further complaint 's with any other governing agency 's for this business is recommended at this time. 

Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got my annual fee on my Capital One spark business card this month. I called in on XX/XX/2020 and asked if they would waive the annual fee and they told me they can't. I told them if I they can't waive the fee then I would like to downgrade ( product change ) to a free version. The rep told me no problem and downgraded me to a card that earns 1.5 % cashback on purchases instead of 2 % like the spark business card I had. When I asked her after the product change to verify the fee was refunded, I was told it wasn't and can't be. I escalated to a supervisor who was just as unhelpful. I explained how the only reason I downgraded to a different card that earned less cashback was to get a refund on the annual fee. She told me there is nothing she can do and she won't refund the fee. I asked to cancel the downgrade and put me back on the Spark Business card that I originally had and was told no. I was misled and am paying the annual fee for a card I no longer have. I have attached the recorded phone call to this complaint

Company response to consumer: Closed with monetary relief