vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card until it was received and could not use it for the $ XXXXnight reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: LA

Complaint narrative:
I have contacted Equifax credit reporting bureau on several occasions regarding disputes concerning inquiries that were fraudulent or placed in error. I also contacted them regarding a collection account that was never verified after numerous attempts, in which they failed to remove. The collection which is listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have reached out to this bureau several times regarding this matter. I also sent them a certified letter by mail requesting proof of this debt in XXXX of this year and have never heard anything back from them. I 've filed several disputes with Equifax and to no avail, they all come back within 2 days confirming validity. I also disputed the inquiry with XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which is my credit union. I contacted all of these companies by phone to dispute this error and they all told me to dispute it with the bureau and they would remove these erroneous transactions which I never authorized but they always come back verified. I spoke with my bank on the XXXX/XXXX/XXXX to inquire about a inquiry and they also told me it was place in error they would be happy to remove it but they were never contacted by Equifax. Equifax is ruining my credit by not properly investigating my complaint. When I contacted Equifax to verify the method they used to validate these accounts, the representative told me they do not know what method was used. It is my right to know how the debt was validated but according to them I do not know. Equifax is not a reputable company and in their quest to profit, they are allowing these erroneous inquiries to remain on my report to benefit them. This is an unfair and unlawful practice that I will not stand for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC
State: WY

Complaint narrative:
Caller called at  XXXX   XXXX   XXXX   2017  and refused to identify self despite repeated requests. Caller was informed that she was calling a business phone and told to make no further telephone calls. Caller called agai n at XXXX  on   XXXX   XXXX ,    2017  and would not properly identify self and was reminded that this call was in violation of the  Fair Debt Collections Practices Act. I finally requested to speak with a superviso r and informed supervisor of facts previously stated. Supervisor still insisted in trying to discuss this matter on the phone despite being informed that all communication must be in writing due to the number called being a business phone. Supervisor then threatened legal action without providing information on alleged debt in writing as I had stated must be received. I was then forced to once again remind the caller/supervisor that she was violating several subsections of th e Fair Debt Collections Practices Act .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am a victim of identity theft. I previously created a complaint against Goldman Sach 's bank. After communicating with XXXX XXXX at the Consumer Financial Protection Bureau again today over the phone I was told to create a new complaint. After I became aware that I was a victim of identity theft I notified the creditors that had opened accounts online fraudulently in my name. The only financial institution that has not removed the fraudulent accounts from my credit profile is XXXX by Goldman Sachs. After putting in writing through the CFPB portal that I want to only communicate in writing Goldman Sach 's did not honor my request and called me on my parent 's phone number. I was instructed to file a complaint with the FCC for the phone harassment which I have now done as well. Goldman Sach 's sent me a packet to fill out and requested that I mail it back to them. I will not be mailing it, however I will upload it to this portal so that their actions may be monitored by a federal consumer advocacy group since they have proven to be such predatory and unscrupulous bankers in their attempts to harass me about a loan I did not request, receive or benefit from in any way. I have attached the filled out packet to this portal. I previously provided Goldman with proof that I did not even reside at the address they have on the loan documents. The proof I provided was a signed executed lease agreement at my current residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Planned to pay off mortgage in full. On XXXX XXXX, 2017, the outstanding principal balance was {$42000.00}. Arranged online bank-to-bank payment of {$42000.00} on XXXX XXXX, 2017. Wells Fargo did NOT apply these funds like usual, but listed this huge payment as " pending ''. I knew a few days of interest and a lien removal recording fee of {$12.00} would need to be paid by additional funds to complete the pay-off process. ( The system Wells Fargo uses would not let me pay these extra costs/fees/funds through online banking. ) That is why I called the Wells Fargo mortgage office by telephone XXXX XXXX, 2017. The employee who helped me said the easiest way to complete the pay-off was to go to a physical branch. So late in the afternoon on XXXX XXXX, 2017, I went to the physical branch in XXXX, WY, and the branch manager - first name - XXXX helped me calculate the extra funds needed to pay off the loan by calling the pay-off portion of the mortgage office. That office emailed him an up-to-date pay off notice which he printed at his desk, and then cut me a cashiers check for {$100.00} to settle the issue. He stuffed the final payment due in either a XXXX or XXXX next day delivery envelope that would go out on Monday, XX/XX/XXXX, with delivery guaranteed Tuesday XXXX XXXX, 2017. The problem is that the interest and lien removal should have totaled only {$85.00} ( which is what posted to my online account ) while Wells Fargo received a cashiers check for {$100.00} on XX/XX/XXXX. Meanwhile I was sent two more letters by US mail from Wells Fargo asking me to pay two more additional amounts, neither which agreed on the amount due. However, {$100.00} payment minus the {$85.00} credited to my account means I actually overpaid by {$16.00}. I called the pay-off office to explain the wrong info and asked to be refunded the {$16.00}. The female who " researched '' the issue said I was not due a refund. Next I asked to speak to the CEO of Wells Fargo. Instead I was patched through to a XXXX XXXX in the administrative division whose title is " Executive Resolution Specialist ''. He took my complaint and said someone from his office would respond within 48 hours. I told him I was not treated right by other employees who proved unwilling to listen or be helpful and did not know if he would be an improvement. I asked for information about who to contact at the federal government level ( which he did not provide ) and told him my wife and I would be closing out our last remaining business tie with Wells Fargo by closing out our checking account. Then I began this complaint with the CFPB. Seems like an awful lot of XXXX banking experience for a simple request to be refunded a {$16.00} overpayment! A sum which I was not promised would be refunded 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 2017-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My monthly minimum payment is currently {$25.00}, and I have an automatic payment set up to pay " Minimum Payment Due '' on the due date, which is the XXXX of each month. On XXXX XXXX 2017, I made a payment of {$320.00}. My online account after that day was updated to reflect that the minimum payment due was {$0.00}. Despite this, Home Depot processed an automatic payment for {$25.00} dollars on XX/XX/XXXX. When I reached out to request an explanation, I was told that despite having paid the minimum amount in advance, the automatic payment would still be run and there was nothing that could really be done at this point to stop it. I am fortunate that I have substantial funds in my checking account so that I 've not been charged an overdraft fee, but this is potentially a major issue for any other customer in the same position. I 've not read the fine print of the automatic payment agreement, but I fail to see how any agreement can redefine " You have scheduled an autopayment of Minimum Payment Due on XX/XX/2017 '' to mean " You have scheduled an autopayment of Minimum Payment Required for the Month on XX/XX/2017. ''

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 2017-07-03 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. <P/>In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX XXXX XXXX XXXX and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. <P/>I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the XXXX XXXX XXXX XXXX ( XXXX XXXX ) but unfortunately I have yet to see any resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
This has been an on going process since SPS chose to leave a ups/fed letter at my front door with my final loan modification papers to sign and return. Everything else they send they send 9 times under 3 different names and I get 18-24 pieces of mail at my primary address as well as my formal address. The attached letter as you can see has my work address and was never sent to either my primary or my formal address. This just goes to add to there unfortunate ways they do business. My loan modification that took 2 years to get approved and I continued to pay the agreed amount of {$1100.00} was put to a stop when I called in XXXX 2017 asking for my final papers. They did send them XXXX/XXXX and it states left at front door. I never obtained nor was a signature required on such an important document. I should not be penalized for something so careless on there behalf. Why would I not return it when I fought for 2 yrs and 2 mediations to get this done. Now with no justification they want to increase my modification over {$600.00} per month in which my income does not support. {$1700.00} plus per month is more than 50 % of my monthly income. This is not justified and I should not have to continue to fight to pay my agreed amount in which the mortgage company I believe purposely set me up to fail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: CA

Complaint narrative:
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

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 2017-07-03 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: CA

Complaint narrative:
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03 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: CA

Complaint narrative:
This comaplaint is for XXXX for the XXXX XXXX XXXX credit card. My credit card was used without my consent on XXXX XXXX, 2017. There were two charges made. One charge was was at XXXX XXXX XXXX for {$47.00} and another at XXXX for {$440.00} in XXXX. I do not live or have visited XXXX. I did n't notice these charges on my account until XXXX XXXX. I immediately reported the fradulent charges on my account and asked to be sent a new card. My balance on the account before the fradulent charges was {$490.00}. My main problem right now is that XXXX closed my account with the balance of {$990.00} and reported it to the credit agencies. My credit report currenly shows that I have a closed account with this high balance. It is affecting my credit score in a very negative way. I understand that XXXX needs 10 to 14 days to complete an investigation, but there is no reason why my credit score needs to hurt in the process. I have never been late on any of my payments. I have been a good customer. This protocol they have taken is not right. Why should my credit score hurt while they do their investigation. They should have never closed the account with such a high balance, specially when part of the balance was not even authorized by me. In the past, when I had a fradulent charge on another account it was not handled this way. The account was n't closed and reported to the credit agencies with the fradulent charges. They simply just send me a new card, and an affidavit to sign, where I stated that the charge was not authorized by me. As of now there is one XXXX XXXX account showing a balance of {$940.00} and another one of {$47.00}.

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 2017-07-03 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: OK

Complaint narrative:
Attempted to start direct debit to pay account automatically two times. Neither time was direct debit set up resulting in late payments. <P/>Attempt 1 : Gave bank routing and account information. Debit was not set up.
Attempt 2 : Again, gave bank routing number and account information. Debit was not set up and 1 mo forbearance was put on account. Was not told that this would be a part of direct debit set up. 1 month work of interest was added to my total loan balance because of this.

Company response to consumer: Closed with explanation