vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: FL

Complaint narrative:
On XX/XX/XXXX, I emailed XXXX, as outlined in XXXX terms and conditions and stated that I am revoking authorization for them to use/charge my bank account and use of my personal information. I allowed 2 business days before the date of the scheduled transactions, also outlined in their terms and conditions. I received an email back from them XX/XX/XXXX, which suggested I can pay on a different date or schedule. I previously stated to them that I am experiencing a financial hardship, and understand the debt is my responsibility, but do not wish to speak about that matter at this very moment. The time of their email lead me to believe that they were saying they are not going to comply, and continue to charge my account, so I asked. I recieved an email back on XX/XX/XXXX stating that they do, in fact, plan on continuing to charge my account! I informed them that I have revoked my authorization, and it is illegal for them to charge me at this point ... .I 'm still waiting for a response. Because they have shown this far that they do not plan to comply, I had to pay my bank for a " stop payment '', so they cant take my funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: LA

Complaint narrative:
I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

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 2018-11-13 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: LA

Complaint narrative:
I have tried to get XXXX  card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. 

This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

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 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I tried to receive a MoneyGram transaction of {$530.00} upon arrival at a local XXXX/Pharmacy location my transaction was made available I was instructed to go to the clerk to receive my funds where my transaction was voided 3 times and then I was instructed to call MoneyGram where MoneyGram notified me that my transaction was marked as received when in fact I did not receive any funds and 5 days later MoneyGram is providing me with false information and refusing to restore my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
By letter dated XX/XX/XXXX, I received notice that my mortgage loan was being sold by XXXX XXXX to Flagstar Bank effective XX/XX/XXXX. I also receive an Annual Escrow Disclosure Statement dated XX/XX/XXXX, which analyzed my escrow account from XX/XX/XXXX through XX/XX/XXXX. That analysis, which indicated it was undertaken by XXXX XXXX, increased my monthly loan payments to {$2300.00}. 

My mortgage loan payments are set to be automatically paid out of a brokerage account. I went online and adjusted future payments to accommodate the increase. 

By letter dated XX/XX/XXXX, I received a late notice from Flagstar Bank stating that they had not received the monthly payment on my note and that the total amount due was {$110.00}. Since my payments were on automatic transfer, I was unclear at to how the payment was missed. 

Upon review of the matter, I discovered that Flagstar bank had performed another Escrow Analysis of my account as of XX/XX/XXXX and increase the payment {$38.00} to {$2400.00} beginning with the XX/XX/XXXX payment. When they received the {$2300.00} payment on XX/XX/XXXX, it was placed in a suspense account and not applied to the loan. While they then had nine days to advise that the account was light {$38.00} ; Flagstar opted to wait until after the grace period ( XX/XX/XXXX ) to advise that they had not received the full payment due. A late notice dated XX/XX/XXXX advised of the shortfall and noted that a {$72.00} late charge was assessed on the account. 

My complaint against Flagstar is threefold. 

1. Annual Escrow Account Reviews should not occur more than annually. The payment was adjusted coinciding with the transfer of service to Flagstar on XX/XX/XXXX and should not have be adjusted again in XXXX. 
2. Once the payment was received, I should have been notified of any deficiency immediately so that the shortfall could have been paid prior to triggering a late payment fee. 
3. A {$72.00} late fee on a {$38.00} shortage is punitive as it amounts to nearly twice the amount the payment was short, which equates to a 2253 % annual interest charge, which is usurious.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have recently started to repair my credit with the assistance of XXXX XXXX. During my review of my credit reports there had been a hard pull by Trans Union as a request by a Mortgage Company called XXXX XXXX, located in XXXX Texas and it is a Military Financing Company. 

XXXX XXXX sent out letters to both Trans Union and the Mortgage informing them that I had not applied for a Mortgage and that the information should be removed from my credit. 

To date I have not heard from the Mortgage Company and Trans Union refuses to accept liability.

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 2018-11-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bureau of Accounts Control
State: PA

Complaint narrative:
I was checking my annual credit report and notice a derogatory mark on my report which dropped my score 50 points. After doing some investigating I realized it was from a debt collection company collecting a medical bill I owe. I was hospitalized in XX/XX/2018 and I had bills from multiple different doctors. I've paid so many different doctors for my time in the hospital so it looks like one doctor was missed. However I didn't receive proper notification of this debt or warning that actions against my credit score will be taken. I was on unemployment this year so I also was financially vulnerable this year. The action taken against me by this company is predatory and should be investigated. I will kindly pay the debt owe without any repercussion to my credit score which was unfairly placed. 

XXXX XXXX, XXXX dba Bureau of Accounts Control XXXX. XXXX XXXX XXXX, NJ XXXX Phone : XXXX Amount in question {$330.00} Derogatory marks reported to 3 credit bureaus. Credit score dropped 50 points Occurred XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 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: CT

Complaint narrative:
Most of the time I pay off the whole amount each month. This summer I paid off only a portion, and - of course - expected some interest charge on the remaining balance. When I got the next two statements I was shocked to see that, even when my balance was negative ( i.e. paid off current amount due and had a credit for a returned item ) I was still charged interest. 

When I complained to to Capital was One I was told that this is their " policy '' - that whenever an amount is outstanding - the company charges interest for two consecutive months. My question is - on what? Why is such an abusive policy allowed here? 

I was informed that this is how it always has been that way - amazingly enough, it is true. I reviewed past statements and discovered that I do occasionally pay interest - on NO BALANCE due. ( statements attached ) This abusive " policy '' needs to be challenged. No other of my credit card companies employs such an abusive practice. " Banking re-imagined '' indeed! Thank you for your help in this matter. " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Altisource Portfolio Solutions, S.à r.l.
State: PA

Complaint narrative:
XXXX XXXX XXXX has been calling me and all my family members incessantly. I asked them to stop calling family and they told me if I did not make a payment theyd keep calling them. This occurred back in XXXX. Yesterday XX/XX/XXXX they called me and told me if I did not make a specific payment by XX/XX/XXXX theyd turn the debt over to someone else and a charge off would be on my credit report. I told them I could not give them the amount ( {$180.00} ) until Friday XX/XX/XXXX. They told me I should borrow money from a friend or family member or let my bank account go into the negative to make the payment. They are bullies and it is not appropriate for them to be doing and saying things like this.

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 2018-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Two XXXX XXXX XXXX accounts appeared in my name that I never knew about the same time I made a fraud report and sent them to the company, even after a year they still bother me because they sell the account to a and another collection company and I do not know what to do, I sent several disputes with the relevant documents and nothing is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I normally pay and monitor my account online. The last 2 months I have been unable to log on and it has been incredibly difficult to navigate their customer service system to get a live person to help me, when all I'm trying to do is pay my bill and check my balance. Last month they had to force a log in, in order for me to log in and it worked, but I was unable to log in a second time or since then. this month I have tried to reach someone to help me with this issue but keep getting routed to bots that are unhelpful. this issue has created an undue burden against me that has made it harder to make my payment on time, affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My Bloomingdales 's American Express Account, Bloomingdales Store Card XXXX XXXX American Express Account & XXXX XXXX Store Card were closed by XXXX in Excellent Standings & Positive Consecutive On Time Payments updated & reflected by all 3 Creditor Bureaus. The closure of the 4 accounts showed a negative adverse credit ratio by XXXX  XXXX & XXXX. 

The Credit Card Act XXXX says at least 45 days a written advance warning of changes to the credit card accounts holder. Card Companies can close your account without notice If you stop using the card or delinquent in payments which in my case is not the matter. 

Ive called the card customer service twice in XX/XX/XXXX on the XXXX & XXXX when I noticed the email stating the closure and my credit report updating the closed accounts. The representative didn't have a valid answer as to why and recommended me to reapply for a new accounts and incur a Hard Pull on my credit report to reopen? I told them my account was closed in good standings with payments just postings can you just reinstate my account and they told me to wait after 30 days to reapply again. Horrible Business Practice with 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 2018-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX has been calling me and all my family members incessantly. I asked them to stop calling family and they told me if I did not make a payment theyd keep calling them. This occurred back in XXXX. Yesterday XX/XX/XXXX they called me and told me if I did not make a specific payment by XX/XX/XXXX theyd turn the debt over to someone else and a charge off would be on my credit report. I told them I could not give them the amount ( {$180.00} ) until Friday XX/XX/XXXX. They told me I should borrow money from a friend or family member or let my bank account go into the negative to make the payment. They are bullies and it is not appropriate for them to be doing and saying things like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
On XX/XX/2018, I made a MoneyGram transfer fron XXXX XXXX XXXX to XXXX. 
I was very disappointed with the Exchange Rates. 1 TTD = 2.944335 HNL This is the second time I've used there service and until this issue is fix It would be my last. 

I did call MoneyGram and they said that the exchange rates generated automatically and they couldn't do anything.

Notes : Exchange rate in the Internet 1 TTD = 3.59 HNL Other money transfer companies 1 TTD = 3.5648 HNL

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have checking accounts with USBank and one account was flagged for a fraud charge. I was told to open another account since the fraud account was frozen. I opened a new account and the fraud department transferred all funds from fraud account to new account. I said that there are some outstanding checks that need to be paid when the are presented and they said they would pay out of the new account when presented. They did not pay when presented and I found out that the fraud account was not fraud and to clear my fraud acct and close out new account and transfer all funds back to original non fraud account. They did not close my account as requested and said I have a negative balance of {$11.00} and I said I have a returned check fee of {$39.00} that you should credit back since you returned the payment when they stated they would pay from new account. Now they charged me another {$30.00} for a force close since I didnt pay the {$11.00} which they said they would credit me {$39.00} and close out the {$11.00} which they did not credit as they stated they would. All docs were submitted to XXXX XXXX which is the Fraud department manager and he said he was crediting me and didnt. Now they reported me to credit and banking departments as a forced close on my account. Everyone is passing the buck off to another and can't get this corrected. Need help

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 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Chase bank advertises quick pay as a convenience. On XX/XX/XXXX I cashed money for my neighbor. On XX/XX/XXXX my neighbor reported her debit card stolen. Chase  automatically froze my account since the quick pay I did for my neighbor was during dates that she reported her card stolen. I have brought Chase all text messages and a hand written note from my neighbor, with her signature & social security number to prove the quick pay was legitimate however Chase still has my account frozen claiming I committed fraud. I missed my last payment to a credit card & my last car payment since these 2 payments were on automatic payment. Also my wages go into that account & even though my wages are more then the disputed amount they have decided to freeze my wages also which are on direct pay. Im having to prove Im innocent, which I have, however they continue to have a freeze until they decide to finish an investigation. They claim my neighbor isnt answering their calls anymore. That shouldnt impact my account since I have provided all text messages where she asks for me to cash money via quick pay & ive provided a hand written note with her signature stating the quick pay was a legitimate transaction. Chase should not be allowed to advertise quick pay as a safe way of banking!! This all happened on XX/XX/XXXX. After providing evidence that the transaction was legitimate, they are still investigating & all my money including my wages that were deposited after the dispute are still frozen. None of my wages nor my account should be frozen!!! This has been a horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My  only thought is that my statement did not get to me. I kindly ask that you remove this late payment from my credit report. I am applying for a home mortgage and the late payments have dropped my score and are keeping me from being able to buy house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Today XX/XX/2018 I got an alert from XXXX   Credit Bureau that Radius Global Solution posted a derogatory account to my credit file for an amount of {$64.00}. 

I have never received any written or verbal communications from this company informing me of the debt or was I given the opportunity to negate/agree of the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion took off this bankruptcy and then put it back on to my credit report. This is a violation of the Fair Credit Reporting Act. Im asking for this to vertify that this was me who filed this bankruptcy.

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 2018-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank made a hard inquiry on my credit report in XX/XX/2018 without my consent. I have had no dealing with Discover Bank, nor have I applied for a line of credit. It appears that someone is trying to access my line of credit availability. 

What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX Charity withdrew money without my permission. TCF Bank has not been able to recover it. I just talked with them. It is an obvious scam sponsored by XXXX XXXX of XXXX XXXX XXXX. He is part of the SCAM!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation