vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One utilizes deceptive practices when provided users with their credit card statement via email. On two occasions my payment has been late due to the fact that the email highlights the " Statement Close Date '' and buries the " Statement Due Date ''. All other credit card email statements I receives highlights the Statement Due Date and payment date. The manner in which Capital One disseminates the information on the email highlight statement it is easy for a user to miss the payment date and incur late fees. After presenting the emails I have received from Capital One to numerous individuals, they all thought the Payment Due Date was the highlighted Statement End Date and missed the Payment Due Date buried in the first paragraph. 

I feel this is done purposefully by Capital One in order to increase their late fee revenue rather than provide the consumer with an easy to understand email highlight statement of when and how much is due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I received a notice in the mail ( regular mail ) stating they are going to garnish my wages from a very old employer. I have no idea who these people are. I looked online using a case number they provided to find I have a judgement from XXXX for approx {$2200.00}. I was never informed of such judgement. The amount they state I owe is now over {$3000.00}. I left a message and sent a letter asking for validation with no reply. I am unaware of any debt owed. Not sure how they got a judgement when I was never served or notified to begin with?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX # XXXX is in violation of my 30 day right to dispute. They added an item to my credit without any warning or proof of the item being mine. This should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: RI

Complaint narrative:
Ditech is my mortgage company and my town taxes are included in my mortgage payment. I have been paying taxes quarterly but at the end of XXXX, Ditech paid a full year in advance. 
I received a letter from Ditech dated XX/XX/2019 and was informed that my escrow account was {$3100.00} in arrears. I was informed that I had to pay that amount by XX/XX/2019 or my mortgage would increase by {$290.00}. 
I consulted with Ditech on several occasions to fix this problem.. I asked Ditech to get the money back from the town and revert to quarterly payments. 
I spoke with the town today and they said that they offer mortgage companies quarterly payments or they will give a 2 % discount if a whole year is paid in advance. 
I spoke with Ditech again today and was informed that if they are offered any discount at all, they take it and do not inform the customer of the change. 
I called the town again and asked the town to refund the money to Ditech so that I could do quarterly payments and I was informed by the town that Ditech has done this to so many residents in the town that the town absolutely refuses to refund any money. 
As a result, my mortgage will go up about {$300.00} a month. I am extremely upset about this unfair situation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Before applying instore for the kohl 's card, I asked the associate several times if this was a soft or hard inquiry. She ASSURED ME kohl 's only did soft inquirys and that itwould not show up on my credit as a derogatory remark even if I was denied. Now I check my credit which I am working to fix and find that the associate wrongfully informed me and pressured me into this application which is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
XX/XX/XXXX or XX/XX/2019 - my American Express Bluebird prepaid debit card was closed for no reason. I called several times to the Bluebird customer service number, only to receive an automated message saying that an email explaining the closure will be sent. I received an email for each time I called. The email only stated that I had followed rule # 22 ( d ). However, I never misused the Bluebird prepaid debit card in any manner. I was a good customer. I also had over {$1000.00} in funds remaining on my account. 

XX/XX/2019 - I wrote to Bluebird customer care demanding an explanation of closure and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I wrote to Bluebird customer care again demanding an explanation and that my remaining funds be sent to me immediately. No reply since then. 

XX/XX/2019 - I called American Express credit card, asking for assistance in obtaining my remaining funds. AmEx informed me that they do not service the account nor know who do service the account. 

XX/XX/2019 - After researching online, I found that a company called XXXX actually owns and services the American Express Bluebird accounts. Their phone number is XXXX. I've left a message with XXXX XXXX ( the person who the operator forwarded me onto ), but have not received a return call. Now, when I try to call XXXX, even the operator will not pickup the phone. 

I truly find this very suspect. They closed my account over 22 days ago, without any information or manner to obtain information. Then they are holding my money essentially hostage. I am very fearful that this is a scam or criminal, and that the Bluebird / XXXX will keep my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: TX

Complaint narrative:
I reported a account name " XXXX XXXX Account XXXX '' as listed on Experian website and my credit report. I have no recollection of what this account is. When I submitted a dispute to Experian to look into this, they reported results as being accurate. What is accurate? What is this account? Is there a signature I provided for this account? If so, that signature or contract needs to be sent to me to verify. I received ZERO proof that this account is mine or what it even is. The Fair Credit Reporting Act states that if an account can not be proven as accurate, it must be deleted. I am asking for deletion of this account from my credit report since I have been provided ZERO proof that this account is mine. Thank you.

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 2019-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
XX/XX/2019, Citizens Bank took out for auto payments for {$730.00} two times, I called them to resolve the problem, was told they would mail me out a check on XX/XX/XXXX of {$730.00} because they have no way of putting the money back in my account. Here it is XX/XX/2019 still no check. I have called them every week about this, was told it takes 10 to 14 business days to receive. Just called them on XX/XX/XXXX no check, we are going to mail out another check, give it 7 to 10 business days now. I want this resolved asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I have paid my loan on time every month and made the full payment as described in my contract for over a year now. Periodically, Rise Credit says they review accounts for possible refinancing without a credit check or any impact to your credit. I assume it's very similar to a credit card increase.Their criteria for being eligible states per their website ; " make at least the minimum payment due every month and on time '' and they will notify you once you're eligible. It has taken me over a year for me to become eligible to refinance and on XX/XX/2019, I finally got a notification that I can refinance. Once I logged into my account, I was met with a pop up notification saying that I can now refinance and that my new loan amount is now {$3500.00} which will add {$1300.00} to my loan which would be deposited into my checking account. I read through all their notices and consents which I agreed to. I got to the last page where it had me sign, date and submit only for the website to bring me to a page that says I'm denied. So I was approved initially when I was offered refinancing and now denied 5 minutes later after I signed my documents? Why would I be denied when there is supposedly no credit check? I got an email from Rise saying that XXXX   consumer reporting, a part of XXXX, helped them come to this decision. I called Rise to ask about this and they said I need to call XXXX. The Rise rep also said if something was inaccurate with XXXX, that I would have to wait again for Rise to flag my account as eligible again to refinance which could take another year. This is extremely false advertising and just a bad business practice by Rise plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
I am a XXXX XXXX currently serving XXXX then on XX/XX/XXXX of XXXX I received an email that said thanks for your bank transfer of {$9800.00} I immediately called and cancelled my card and reported it is fraud. Three weeks later I received the email again for the same amount when I hadn't yet received my new card. I called and reported it as fraud again to which they told me they were cancelling the account again and sending me a new card. After a month they called me up and told me that it was not fraud and that I did it which is not true because I have never done anything with the bank that the money was transferred into.

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 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2019 I started using XXXX XXXX  services to clean my credit report. XX/XX/2019, XXXX XXXX successfully attempted to remove 9 accounts of public filing/bankruptcy off of my Equifax credit report. XX/XX/2019 Equifax left the other accounts alone but, placed the public filing  back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Texas Guaranteed
State: TX

Complaint narrative:
Your are listed as the original creditor of this debt whom sold this debt in to collections which its now in the hands of Trellis company. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to provide the original contract of indebtedness. Idemand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the amount of XXXX that Trellis company is collecting on through garnishment.

Trellis company has failed to provide the original consumer contract. How is Tellis company able to collect on a debt you sold in to collections without the original  consumer contract. How did they even come up with the dollar amount they claim i owe without the original consumer contract?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
According to the documents it provided. I believe I get Identity Theft because I am not in the United States and the moment, and the spelling of the signature on contact is wrong. I contacted the IQ Data to discuss the issue, and report to the credit bureaus.

I also report to the police and IQ Data and it client should validate before filling to my account. The credit bureaus even get any soft pull request from the apartment for credit history check. 

Please remove the mark that not belong to me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Yamaha Motor Finance Corporation USA
State: NC

Complaint narrative:
I needed an increase in my credit line to make a new purchase. After speaking to the salesmen at the store they caked the creditor to request the increase. I got on the phone and answered security and income info and was instructed to give the phone back to the salesmen. A few minutes later oom told the increase was approved and i made the purchase. I got my current bill and it said i was overdrawn by almost XXXX dollars. When i called the company they asked me if it was a temporary or permanent increase. Considering i requested an increase in my line of credit it should've been permanent. They had no clue. And after being put on hold multiple times they say " it must've been temporary ''. Not one time during the request for the increase did Anyone day it would be temporary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: CA

Complaint narrative:
XX/XX/2019 paid off outstanding loan. Check from the escrow company that paid Best Egg on my behalf was {$2600.00} more than loan balance as I had continued to pay my monthly instalments even as my re-finance applicaton was being approved and processed. 
XX/XX/19 I called to confirm my mailing address for Best Egg to send my refund check. 
XX/XX/19 I was told my check had been mailed on XX/XX/19 and returned unopened. Another check would be sent and should be received by me by XX/XX/19. 

XX/XX/19 No check yet. Spoke with XXXX XXXX, Loan Manager, who told me a check had been mailed out on XX/XX/XXXX and if I have not received it then I need to wait for them to find out what happened to that check before they write a third check. Once again I confirmed my mailing address and asked them to send it via registered mail. 

I also sent a registered mail complaint to the CFO of MarletteFunding/Best Egg, asking for a resolution to this problem on XX/XX/19 and I have not heard a thing from either him or a Best Egg representative. 
So my money is being held hostage and nobody seems to have a straight explanation or time span it will take to address this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: ME

Complaint narrative:
This company Direct Recovery Services ( directrecoveryservices.com ) calls again and again trying to collect debt from someone who previously had this phone number. I've explained this several times and asked them to remove the phone number. Sometimes they call and leave nasty messages. 
When I ask questions about who their company is they often hang up. 

They appear to have other complaints about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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: NY

Complaint narrative:
This information does not belong 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 non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Issue with XXXX XXXX XXXX. Initially had them to cover my car, but they gave me misleading information and did not attempt to help me with any issue, specifically with the auto payment function. They told me that the auto payment would be added to my account, after giving them the proper banking information. This did not occur, and made my account go to collections. They also misquoted me the monthly amount for each payment and refused to acknowledge their mistake. The amount owed went to collections, and when I attempted to contact the collector, I had no response for over 2 months.

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 2019-09-09 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: NY

Complaint narrative:
This information does not belong 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 2019-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This information does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: MO

Complaint narrative:
Company calling and submitting mail to my home address regarding a debt that is not mine. When telling them i was the incorrect person, they continue to call and harass numerous times daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2019 I made a {$25.00} donation to a political campaign. I have a receipt for this ( attached ). Subsequently, this charge was negated out and three charges of {$1600.00} were put in. Two of these were then netted out. As a result, instead of a {$25.00} donation, I was down for a {$1600.00} donation. I did not do this. 

I called Chase bank, who handles this and spoke to them. They told me they would handle the problem and the charge was removed. 

Two months later, the charge reappeared. Chase had put it back because they could not figure out how to resolve it, even though it was clearly fake or a mistake. I called Chase again, I was passed between numerous people because Chase couldn't understand the problem. Finally, I was now told, two months later, that I needed to fax a letter to them describing the problem. I was then told I had to wait at least three days for the fax to get to the right person. Hard to believe, in the electronic age! 

After several days, I called again to find out what was going on. I was essentially told that it was too late for them to do anything, even though the charge was obviously fake and I had alerted them to this shortly after it had happened. 

At no point did anyone offer up that this was clearly a problem and that Chase would take care of me. Instead, one person blamed me for giving my credit card number out ( hard to believe but true ) and, in general, I was treated with contempt by a bunch of people who obviously don't care about customers. There attitude was pretty much, " tough luck. '' This is outrageous. This problem ( being overcharged by a merchant to whom one has given a credit card number ) can not be rare yet Chase had absolutely no clue how to deal with it and absolutely no desire to satisfy me, as a customer. Instead I got behavior from them that ranged from incompetent to obnoxious and rude. 

Chase should not be able to treat its customers this way. Someone was trying to rob me of {$1600.00} and they didn't care.

Company response to consumer: Closed with explanation