vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a Capital One Journey MasterCard. This was my very 1st card. After paying my bill around Mid XXXX -early XXXX, I deiced to go buy some things. The Next, Morning I get a notification that my account is DOUBLE my original balance. I Immediately call Customer Service. They tell me, That a payment of {$930.00} was returned ( My balance was only like {$300.00} ). I asked them whats going on. They precede to tell me that there are MORE THAN ONE type of Payment accounts on my card. Baffled, Annoyed, and Honestly Scared I told them that only ONE account is supposed to be on this card. They closed my Account and Stuck me with an over {$900.00} bill. 
Today, I tried to talk to them again. I was not aware of what I could do to fix my problem. They gave an Hour and half run around to tell me its not Fraud so I am stuck with this balance. I am very new to credit cards and have no idea what I am supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: CO

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly on the XXXX XXXX CO XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-07-19 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: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This Bankruptcy is over ( 7 ) years old and reports a {$0.00} balance. Reporting this line item is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and these line items need to be removed. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Opened CareCredit account was automatically signed up for 'card security ' ( XXXX ) which charged ~ {$56.00} plus interest charge of {$2.00} per month. If this was not noticed and addressed these charges would have continued.

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 2019-07-19 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: NY

Complaint narrative:
Year to date I have had 42 Insufficient fund fees of XXXX dollars each totalling {$1400.00} and 3 returned item fees of XXXX dollars each totalling {$100.00} dollars in my Chase checking account. For a grand total of {$1500.00} dollars. They returned {$100.00} and promised 90 something dollars more. That's still more than {$1300.00} in fees this year alone. Last year I had 42 of these fees as well, for a total of {$1400.00} as well. The dates for this year with amount of fees are as follows. XXXX {$68.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00} XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, and XXXX {$68.00}. I can get last year 's dates as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/2018 our family was at XXXX XXXX in XXXX and someone stole my wallet, I was unaware it was taken until my husband and myself were notified of some large charges made on our credit cards Via text messaging on XX/XX/2018. We responded to the text messages by stating NO these charges were not authorized. The Chase Southwest Card was one of the cards that sent a text as well and they were CALLED immediately after they sent the notification and they were told the card was stolen and stated the charges were not authorized and to close the account. I had three cards in my wallet my ID, health insurance cards etc were taken. We contacted all three credit card companies that had been take. We closed al three credit card accounts as as our our bank and checking accounts. I filed a police report and had to get a new ID as well. The Unauthorized Charges were processed at XXXX XXXX stores in the XXXX area. Two of the three cards did send letters stating they did see these charges were not authorized and they credited our account. Chase Southwest is stating they will not credit our account and they find these charges valid after they reviewed our account. I have provided information several times to Chase Southwest card services on many occasions as they would not tell us what they needed up front. ( we provided all documentation requested to Chase Southwest to prove these were fraudulent charges ) Chase card service has a copy of our time cards, police report and our ID 's as well as other letters from the other credit card companies that stated they have found these charges as fraudulent and nothing has seemed to help them see these charges were not valid. We have contacted an attorney which wrote a letter on our behalf requesting they re consider the decision made as we have provided them with several documents to prove we did not authorize these charges and could had not possibly made these charges as we were at work. We are asking for help in this matter as we have been advised from our attorney file a formal complaint against Chase Southwest. Please find attached documents we have sent to Chase Southwest on many occasions, as documentation the charges are charges that we did NOT authorize. The only response we have received since the attorney sent the letter ( second time it was sent ) was a copy of our statement which had nothing to do with what the attorney had requested and no letter was attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Received this e-mail on XX/XX/XXXX at XXXX from XXXX threatening to search and seize my home and property, I am not sure exactly who this came from, it could be another agency who has purchased the debt or a pure scam but this is a clear violation of the FDCPA : CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$750.00} After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 

Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 


The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized. 

Note : You will be contacted by your local county authorities. XXXX XXXX XXXX XXXX  is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 


NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. 

XXXX, Restitution Head XXXX. 







XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom it may concern this is the Third time I have attached to this complaint a copy of my ID and SS card. I have requested to remove any blocks freeze or Fraud alerts off my credit file please!! I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB 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 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
My name My Name : XXXX XXXX Address : XXXX XXXX XXXX , XXXX Tx XXXX Loan # : XXXX XXXX Complaint Number XXXX was sent XX/XX/2019 ****** This is complaint # 2- I called in on XX/XX/2019 to make a payment of XXXX which is what i was told to pay during bankruptcy and a representative took my payment over the phone. On XX/XX/2019 I received a message from my bank that XXXX was submitted and returned ( not the XXXX ) And again on XX/XX/2019 they submitted XXXX. This caused my bank to over draft twice. That was an unauthorized / fraud charge. I called them to see what happened and they told me my payments increased and changed due to my escrow. I told them i didn't receive anything in the mail concerning an escrow increase. I called them back when it happened again and they said that the XXXX was my petition payment, again i received nothing in the mail of my payments changing. 
If you read my 1st complaint, they wouldn't run my check through a 2nd time when i was on a mod trail and now they decided to run it twice. Can someone tell me what i can do protect and keep my home with PHH Mortgage Company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: U.S. BANCORP
State: WI

Complaint narrative:
I opened a US BANK cash+ credit card under the banks strong recommendation on XX/XX/2017.  She told me I will get a {$150.00} new cardmember bonus after I spend {$500.00} in first 90 days. However, I have met that requirement for a long time. But I never received the bonus. I called the credit card service center once in XX/XX/2017. They told me they need more time to process my bonus with a visa gift card. But, still, I never received it. I have contacted the banker several times and she never responded 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 monetary relief
Consumer complaint received 2019-07-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
All of my major credit bureaus are correctly reporting that I have no public records. A former bankruptcy was properly deleted in XXXX 2019. However, they continue to say I have a bankruptcy on their XXXX score which all three of the major compile. I would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
The company TransferWise advertises their " brilliant '' service TransferWise for Business for all businesses to open quickly and use it efficiently. It did sound great to have a Borderless Account for our non-profit organization so we can lower international bank fees of our charitable causes. However, in reality this was very different, complicated and eventually not even allowed. 
I first had to open a personal account, uploading personal documents. Then connect a business account to it, giving details about our charitable organization and its bank account details. Each step of confirmation took several days. Then, in an e-mail they asked 4 questions about our non-profit without explaining why they need to know those questions or what their policy is about. After several days of answering those questions they just said that we can not open this account ( without any explanation ) and blocked both the business and my personal accounts for good but keeping all the sensitive data we have provided in the process. 
They show a false advertisement, as apparently they only open business accounts for their selected clients. Their whole procedure just felt very dodgy and unprofessional to me. Not allowing a charitable organization to open a business account just sounds very untrusty or they just want to deal with big and rich for-profit organizations as businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: OK

Complaint narrative:
On XX/XX/XXXX I filed Chapter XXXX bankruptcy, which including all of my accounts and XXXX XXXX. XXXX XXXX then sent that account to collections. My attorney sent them all the necessary paperwork. In XXXX I was unaware that they had put a lien on my house until I went to sell. Another motion was filed on XX/XX/XXXX including XXXX XXXX, again, they were added back to the original bankruptcy of XXXX. It was removed, from the title due to the evidence presented and my house was sold. I then received countless collections letters from a Collection Agency, which I sent to my attorney. I then disputed this online 3 times the credits bureaus with no change. 
On XX/XX/XXXX, I sent XXXX, XXXX, and Equifax certified mail, return receipt requested with all of the following, 1 ) my original bankruptcy, 2 ) the amendment to it, 3 ) a notarized copy of my DL and SS card to prove my identity, 4 ) a current copy of their current credit report, and 5 ) even proof of receipt of filing in court. They have since documented this on my credit bureau and the collections remained. Says creditor disputes this. All three are the same. My credit score has now dropped below 700.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/XXXX received letter from Synchrony Bank our account was sold to XXXX XXXX XXXX for nonpayment XX/XX/XXXX @ XXXX XXXX spk/w XXXX to explain problem XXXX XXXX spk/w XXXX re same as above XXXX XXXX  spk/w XXXX re same XXXX XXXX spk/w XXXX Synchrony Bank re same XXXX XXXX  spk/w   XXXX Syn. Bank Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from XXXX XXXX XXXX. Also sent CEOs of Synchrony Bank and LOWES a letter describing our plight. Received calls from both. Described plight again. Synchrony said bill returned by USPS unknown at address. When asked what was purchased, Synchrony said no. When asked if we could see the returned envelope, Synchrony Band again said no. Synchrony also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from SB stating as we did not provide any information or documentation we now owe {$370.00} plus interest 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
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I received a letter from Midland Credit Management threatening to take me to court over an old debt. This is the first letter that I have received from them. I called to ask them to mail me a validation letter and that I would happily work with them if they did so. They kept asking me if I was admitting that the debt was mine, I explained that I can not do that because I need a validation letter to review. They stated that they sent a letter in XX/XX/2018 to an address that I did not live at during that time. They then changed their story and said that they mailed it to a different address in XXXX of 2018. I was transferred a total of 3 times and each person provided different conflicting information. I repeatedly asked for a validation letter to be mailed to me. They refused every time and said that they would only review this over the phone with me. I stated that I would not do that because they're known online for going back on their word, and that I am requesting the validation letter be sent because I never received it and would like to investigate this matter. They again refused and I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I paid off my XXXX XXXX card i full then they started to collect interest on money i didn't owe which is negatively affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-07-19 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: FL

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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