vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX  shows me as 90 days late on a payments from  2015 . All  XXXX  credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX   XXXX   XXXX    XXXX    XXXX  shows me as 90 days late on a payments from  2015 . All   XXXX   credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.

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 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: MN

Complaint narrative:
Convergent has requested a bill for XXXX however I have not been able to verify that this debt collection is anything I owe for.

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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On  XXXX / XXXX / XXXX  i made two pay ments to Capital for {$75.00}, i cancelled one  but the other went through, to my account ending in  XXXX . I was told it was reversed but i have proof  one of the two w as resolved in a screenshot / I received an  XXXX  report on  XXXX / XXXX / XXXX  stating my request to investigate this error has been received. Since the n ( 7 mo nths later ) i have had my lawyer se nd 4 to 5 lette rs asking for an answer with no resolve.     Pleas notice in the document uploaded that there a re two paymen ts on  XXXX / XXXX / XXXX  for {$75.00},  one is cancelled one is  accepted, it is the one that is accepted that i am referring to as the payment i made. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WellsFargo has  locked me out of my online account. I can no longer access any of my accounts or funds. They have changed their story multiple times as to why this is happening. My account username exceeds all their security requirements. I have had this name for 14 years without any issue and it has never been comprised.

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 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NV

Complaint narrative:
XXXX XXXX in XXXX TN is charging me membership fees that I do n't owe. In XX/XX/XXXX I opened a two memberships at {$20.00} bi-weekly each on a one year contract. In XX/XX/XXXX I went in to tell them I did n't want to renew in XX/XX/XXXX, the attendant noted it to my account in the computer. On XX/XX/XXXX I called to make sure that my membership was terminated on time and I was told that it was. But, instead they charged me a maintenance fee of {$39.00} for the next full year and continued to charge me for membership fees of {$40.00} a month. I told the person on the phone that I had asked for my membership to be canceled, not to go month to month. I did n't want to renew because I did n't like the gym. I was told to bring in a letter to cancel even though I did n't have a contract. I took the letter in the next day and they refused to take it. They said I had to give them a 30 day notice in writing, in which I had in my hand that day. They said I had to pay for the next months fees for the 30 days, even without a contract renewal. I argued with them that all I wanted them to do was stop billing me for usage, because I was n't coming to the gym anymore. I cancel on time at the end of my contract. I had paid all my membership fees during my contract, but they refused to accept my membership expiration date. I then went to my bank and ask them to block the automatic debit card payments on my account. I submitted a claim with my bank, told them what happened and they investigated and refunded me the payment transactions that XXXX XXXX had made past my expiration date of my contract. <P/>XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has place a collection account on my credit report for {$240.00}. I do not owe XXXX XXXX any money. They have been paid in full as of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NM

Complaint narrative:
I have been harassed by conns, specifically by a woman named XXXX. I have been having a really hard time with cash and have not been able to pay my bill since XXXX 2017. XXXX XXXX has been calling multiple times every day for three months now. I have told them many times I do not have money, yet they will call me hours later asking for the payment again. Today they called me four times. Three times after I told them I did not have money. They call my parent multiple times while they are at work, as well as other family members. I have asked then not to call my family especially because they bug them while at work, and my mother is a doctor and can not have bill collectors calling when I have told conns I can not pay. I have asked conns to send it to collections. XXXX today said " good people pay their bills '' implying we are not good people and making derogatory comments. I have asked her to stop calling repetitively and she replied saying no she will not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Today I received a notice of a court date to attempt to garnish wages from my wife thru her employer. I received this notice even though I provided the debt collection law firm with proof as to why I am exempt under Wisconsin Law, ( maybe Federal as well ). The firm attempted to garnish my wife 's wages for a debt that I owe from about 10 years ago. They sent the paperwork to her employer. I responded to the attempt and stopped it by answering questions on a form. The reasons I gave were, ( garnishing wages would prevent us from paying our mortgage and utilities and leave us no money for food for our family of XXXX, XXXX  adults and XXXX children ). ( I am exempt from garnishment as I receive public assistance in the form of energy assistance ) I provided this law firm, first, with copies of my wife 's payroll stubs, energy disconnect notice, copy of mortgage payment statement from mortgage bank to prove how much we paid. I then provided them with a receipt of the energy assistance that I am receiving from the agency in my community. I contacted them today after receiving the notice from the courts of the hearing and asked them why they were proceeding even though I provided them with two different forms of proof. The debt collector told me that the receipt from the agency that gave me the energy assistance was not sufficient. I asked him why and what he wanted to make it sufficient. He then refused to provide me with what would be sufficient and told me to take it up with an attorney. I followed the guidelines that are required for providing this debt collection firm with proof as to why I/my wife are exempt from garnishment and they refuse to accept this proof and refuse to tell me what they would accept. They know that their actions are humiliating to my wife at her plasce of employment and they continue to attempt to collect this debt thru this method even though I am exempt under the law. They are pressing with a court date to further harass me and my wife by dragging us into court to prove something that 's been proven already. I have also attempted to set up some sort of payment plan and they have refused this offer instead pushing ahead with the garnishment attempt. I can provide proof in the form of paper copies of everything I have stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
In XXXX of 2017 I spoke to a representative about how payments were applied. She stated that any money received would be applied to the monthly payments and nothing would be applied to the late fee balance until the end of the loan. <P/>On XXXXX.2017 I made a {$250.00} payment to cover my XX/XX/XXXX bill and some extra to cover my XX/XX/XXXX bill. The payment was misapplied. {$83.00} was applied to late fees instead of being applied to my XX/XX/XXXX payment. <P/>I contacted Ally Customer service in XX/XX/XXXX to reapply the additional funds towards my XX/XX/XXXX payment. I was advised that it would be taken care of and to wait 48 hours. I contacted customer service again a week later and I did not see it reflected on my account. I was advised that it would be taken care of. On XXXX.2017 collections contacted me advising about a past due balance. I inquired about the reapplying of the {$83.00}. It had not yet been applied correctly. He said he would process it but that I should call back on Monday to verify. Earlier this week I received another call from collections, I called back and asked to speak with a manager - after being put on hold for 10+ minutes the call was dropped/disconnected ( not from my end )

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 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I use coinbase and its trading site XXXX to buy bitcoin. XXXX had website problems with their ethereum  sales on X/XX/17. They are investigating ethereum transactions. I do n't have any ethereum in XXXX. I have XXXX bitcoins and XXXX cash. XXXX has put my assets on hold without giving me a reason as to why. I have submitted several support tickets but they are refusing to release my aaaets or respond to my emails. Please help release my funds being held illegally. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: DISCOVER BANK
State: NV

Complaint narrative:
I obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: MD

Complaint narrative:
I called into American Express Serve 's customer care number at XXXX because of a dispute that was credited back to my account but had not been as documented. I called in again today to see why the money had not been credited and the representative gave me the run around. After being placed on hold several times he then told me I had to add money to my account in the amount of {$1.00} for him to credit my account. After a while I heard talking and the representative hung up on me. This is my second complaint about money that was supposed to be credited tin the amount of {$2900.00} when it was stopped by myself online on X/XX/2017.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
2007 chex systems unknown amount saying that they were police officers coming to arrest me if I did n't pay for insufficient funds check

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 2017-06-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Loancare purchased my VA Loan and became the new servicer. <P/>They did not transfer the insurance information properly, and placed a fore buy of insurance on my property. My original policy was through XXXX for {$830.00} a year. They bought a policy from the same company for {$1500.00} a year. Loancare recently settled a class action lawsuit ( XX/XX/XXXX ) about receiving kickbacks from XXXX for forced insurance buys. <P/>Over the next few months, I received mortgage payment amounts anywhere from {$2000.00} a month to {$1600.00} a month. <P/>Loancare was completely unresponsive and " lost '' my insurance paperwork so many times, I was finally forced to get my Agent and XXXX all together in a conference call to get the situation resolved. <P/>They are still showing a {$500.00} shortage in my Escrow account that remains unexplained. I was assured by their management on XX/XX/XXXX that the situation would be looked into, but as of this evening, no one has done anything. <P/>They have now gone after my credit rating. Due to their own incompetence, they refused to process the payment I has sent in XX/XX/XXXX because it was n't the " full amount '' demanded by them. An amount that changed 3 times in just the month of XXXX. <P/>They have damaged my credit standing, refuse to make good on my accounts, and as of tonight refuse to correct their mistake. I have spent 40-60 hours on the phone with them over three months, and they hang up on you in the middle of phone calls, transfer you to 15 different departments, and lie. I know that 's a strong charge, but I was told that they were looking into my Escrow situation, and 2 weeks later, the manager I spoke to had no record that they have done anything.

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 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I use an app/company called XXXX XXXX to add money by electronic deposit into my account. Bank of America does not keep the amount in my account up to date. Sometimes it goes for days without updating. For example right now on the app it is showing my account to be {$20.00}, when in fact my balance is over {$1000.00}. The app sees that the balance is only {$20.00} and it causes delays in my deposits.

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 2017-06-24 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: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
Our check payment was purposely held up by Sun West Mortgage Company to be able to prematurely report us as 30 day delinquent and prevent us from refinancing with another mortgage company. Our mortgage is due every XX/XX/XXXX of the month. This XX/XX/XXXX we mailed our check on the XX/XX/XXXX to Sun West 's XXXX Ca Office. Mail should not take more than 5 days for our payment to get to them as we also live in California. On XX/XX/XXXX, a 30 day mortgage delinquency report was filed to the three credit bureaus which led to the credit score of my husband to drop by more than 100 points. Please note that XX/XX/XXXX is only the 29th day from our due date. We were trying to refinance with another company since Sun West sat on our refinance with cash out application which we started XX/XX/XXXX. Sun West knew that we were trying to move, thus the malicious report. Initially, SunWest 's customer service confirmed to us via phone that they received our XX/XX/XXXX check payment on XX/XX/XXXX which means that we made it on the 30th day and we should not have been reported. The malicious report they did halted any chance for us to refinance either with them or any company for the next 12 months. . Based on FCRA Compliance, delinquencies are calculated based on the due date. The credit reporting options for reporting late payments does not include one for being 1-29 days late. This doesnt exist and any lender that attempts to report someone as being late before they are full 30 days past the due date is providing knowingly an incorrect information to a credit reporting agency. We begged them over the phone several times XX/XX/XXXX, emailed for reconsideration and wrote a formal letter requesting clemency on the delinquency report ( upon their advice ) only to find out that we have already been reported. All our pleadings were unheeded despite the fact that we are existing clients for almost three years now and have never been late in our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I signed up for a Chase card by clicking an offer for XXXX miles with XXXX if I spent $ XXXX in first 3 months. I met this requirement in first month. Then Chase said they would n't honor the XXXX miles. I have never received an explanation why, just told it was not applicable to my account. I asked Chase to honor it and then was told there were no offers like the miles offer available. I responded that there was a XXXX offer on the same card right now. Chase affirmed this offer existed. Still Chase offers no explanation why the first offer does n't apply to me, nor do the explain why the current offer ca n't be substituted so at least they can partially honor the original offer. <P/>This all started about 6 weeks ago. I cancelled my previous credit card and moved some reoccurring charges to Chase card. I feel they put the original offer out there to get people pulled in then somewhere they hide clause that must negate the offer. I have no idea what more to do after several emails back and forth with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Southwest Business Corporation
State: TN

Complaint narrative:
On XXXX XXXX, 2016 I closed on my house with SWBC Mortgage. I received my closing disclosure via email from loan officer XXXX XXXX from SWBC Mortgage dated X/XX/2016 via email. My closing disclosure listed a Lender Credit of {$1800.00} for property taxes in Section G of the Initial Escrow Payment at closing. However the lender credit of {$1800.00} was not applied to my property taxes or escrow account and has subsequently created an escrow account shortage. <P/>In addition to not receiving lender credits disclosed on the closing disclosure the APR was understated over the .125 % and the Finance Charge was understated by more than {$100.00}. The disclosed fees exceed the tolerances under 12 C.F.R. 1026.18 ( d ) of Regulation Z and are reimbursable. I contacted SWBC Loan Administration and they expressed that I owe the funds for the shortage and that SWBC could not assist or clarify the Lender Credits, APR, or Finance Charges. I was told to contact the  investor XXXX XXXX because SWBC is only servicing the loan. I contacted XXXX XXXX with SWBC Mortgage by phone and email however she has not contacted me regarding the disbursement of Lender Credits or the understatement of the APR and Finance Charges.

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