vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-07 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: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
On XX/XX/2019 I received a notice from Collection Professionals , Inc. regarding a past-due balance from a medical provider in the amount of {$580.00} relating to a visit that I paid-in full for on XX/XX/2019. I sent a dispute letter on XX/XX/2019 via XXXX overnight courier to Collection Professionals , Inc. located in XXXX, IL. On XX/XX/2019, XXXX with Collection Professionals , Inc in XXXX, IL signed for the overnight letter on XX/XX/2019. On XX/XX/2019 Collection Professionals, Inc. submitted this account to XXXX  AFTER they received my dispute notice causing my credit to suffer negatively BEFORE they provided any information on the account to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband of 45 years died on XX/XX/XXXX. On XX/XX/XXXX I began notifying various entities of his death. When I notified Citicard MasterCard, they closed my account, saying he was the primary cardholder. When I asked how that happened, they said he must have opened the account first and added me later. I am sure that is not true. They also told me it is a state law that they had to close the account. We had this account since 1988 and the payments came from my income. I am shocked that they took the occasion of my beloved husbands death to close my account. We never made a late payment or even paid interest since the account was opened in 1988.

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 2019-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The complaint is with Wells Fargo located at XXXX XXXX XXXX XXXX VA XXXX. My contact there is : XXXX XXXX. Her phone number is XXXX On XX/XX/XXXX, I wrote a check to the XXXX XXXX XXXX for sailing lessons for which they did not deliver. On XX/XX/XXXX, I went to the bank on XXXX XXXX and ordered a Stop Payment on that check. The person who issued the Stop Payment was XXXX XXXX. I have the original copy. On XX/XX/XXXX, the check was processed through my checking account. On XX/XX/XXXX, I went to the bank and filed fraud charges and gave them contact information as to who actually cashed the check. On XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX that the issue needs to be resolved directly between myself and Payee. On XX/XX/XXXX, I received another letter from XXXX XXXX stating they would not honor my request for reimbursement. They recommended that I follow up with the Payees. I am attaching the letter of XX/XX/XXXX for your review. 

I am requesting that the {XXXX} be placed in my checking account. I believe Wells Fargo has been dishonest and unethical. I have been a long standing customer with them and expect better customer service. 

Thank you for your consideration. 

XXXX 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 2019-05-07 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:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On today XX/XX/2019 1. I called TransUnion three times regarding having my question/concerns about why my credit monitoring 3 Bureau report was not updating and hasn't updated since XX/XX/2019 in current billing cycle and did the same for previous billing cycle. 

2. I spoke with XXXX, XXXX and some hard to understand named person today. I was also hung up on when I asked repeatedly to be transferred to the United States. 

3. TransUnion has a major problem forwarding calls offshore and is okay with those reps who answer their calls to just speak with customers any kind of way and apparently are okay with reps simply hanging up on customers when they demand to be transferred to the United States. 

4. I will be attaching a copy of the screenshot of my credit monitoring report showing the fixed date of XX/XX/2019 along with other shots of XXXX and XXXX credit monitoring showing you totally different scores. 

5. I could not ever get a competent person on the phone with TransUnion who could fix whatever the issues are with my 3 Bureau credit monitoring not properly updating even though I pay in advance for the service each month. 

6. Transunion does not update the other two credit bureaus intentionally in order to coerce me/customers to actually repurchase their 3 bureau report at full price because the report date does not change. The service you pay for is suppose to allow you to see all three bureaus credit report scores in real time. Only TransUnion scores are reporting in real time 7. The 3 Bureau credit monitoring is XXXX/mo. I feel XXXX for past two months need to be refunded to me immediately. 

8. TransUnion continues to refuse to transfer my calls to the United States once I make demand on it's representatives. This is a Federal Violation for TransUnion to refuse to transfer a call once demand has been made.

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 2019-05-07 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: LA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in REF : to XXXX XXXX XXXX XX/XX/XXXX : I always every month paid my card payment the day I received it in the mail, and made payments of XXXX, XXXX, XXXX, XXXX each month, I only owed them {$1200.00},, I said why doesn't this card ever go down? also, I have several fraud charges which I told them about one is for XXXX XXXX for {$690.00} They took the charge off in XX/XX/2018, then sneakily, put it back on my account in XX/XX/2018. I said I'm sorry but you only have 30 days to do an investigation. So, This is breaking the law. Then there were several more fraudulent charges which you will see on the documents im submitting, anyway, I'm elderly with a XXXX XX/XX/XXXX, and can not work anymore. So, I live in the red in XX/XX/XXXX and my son was XX/XX/XXXX XX/XX/XXXX by aXX/XX/XXXX, so I received a small death benefit for his death. So, I had the ability to get a small mortgage and to buy a condo on XX/XX/XXXX. I go to Contract on the perfect condo, in the middle of that XXXX XXXX XX/XX/XXXX reports that I haven't made payments to them in a yr, which lowered my credit score into the XXXX range, now the Mortgage company ( XXXX XXXX, XXXX  XXXX  ) said they can not go forward with the mortgage unless my credit score goes back up. I have been on the phone with XXXX XXXX back day and night for 1 week, my Bank was on the phone with them for 3 hrs. and finally confirmed that they couldn't account for any of my electronic payments. At the end of that conversation XXXX XXXX XXXX XX/XX/XXXX ( my Bank andXX/XX/XXXX confirmed all my payments ) but XX/XX/XXXX is stating it will take up to 90 days to report it to my credit bureaus, I am so furious, it actually made me physically sick, my XXXX and head were killing me for several days. They owe me over {$3000.00}, in overpayments as well as the interests and fraud and missed payments charges. Ridiculous charges. I have all the proof and I will upload all pages from the bank, conversation with the bank, etc. When I would report fraud all they would do is send me a new card never took off anything. The last card they sent me i never activated because, I feel they are stealing my money and they are located in XXXX, even though they say they are in XXXX XXXX, XX/XX/XXXX. I told them i don't want your XXXX card I want the money you owe me as well as fraud charges on my cards, as well as all interest, non payment fees etc. 
Thank you XXXX 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 2019-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I initially contacted Capital One within 2-3 days after a charge for {$870.00} posted to my account. I notified them that the charge was not correct and services had be paid for by other means. I further provided the revised invoice for services which shows that the original amount due was {$850.00}. The merchant misapplied my payment to another account, causing them to charge me again for the original amount due of {$850.00} as well as a {$25.00} late fee - {$870.00} total. The original amount of {$850.00} has already been paid in full and on time, the charge to my Capital One account ( which was on file with the this provider ) includes a duplicate payment and a wrongly assessed late fee. I further provided proof of payment. The claim at one point was paid, and then reversed a short time later. After several months of back and forth and explaining the situation to several representatives, and re-submitting the same information several times, I was told that the claim was denied because it was not filed timely - which is absolutely not true. The only untimeliness involving this claim has been on Capital One 's behalf in their failure to resolve the issue. To deny the claim based on untimeliness, is inaccurate, no applicable and completely prejudicial. 

I have been a Capital One customer for years, and this entire process has been very frustrating and disappointing. I ask that you please take into consideration the forgoing information and re-evaluate the claim in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-07 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: NC

Complaint narrative:
Equifax is reporting incorrectly that I am 90 days past due on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2019 Chase Bank closed 4 credit card accounts I had previously opened with their company. 3 or these credit card accounts were personal credit cards and 1 was a business card. My Chase credit card accounts were all in good standing at the time of their closure ( low balances, always paid on time, etc. ). I received no prior warning from Chase of any kind that they had an issue with any of my accounts. ____ Chase mailed a single letter ( dated XX/XX/2019 ) as notice for all 4 affected credit card accounts that stated " After careful consideration, we closed your credit card accounts on XX/XX/2019, because our affiliate is ending their banking relationship with you. '' No other details were provided. Chase refuses to provide any assistance over the phone until you are in physical possession of this letter. ____ On XX/XX/2019 I called the phone number listed on the letter ( XXXX ) and was told that they could not provide me with any additional details related to the closures. I was then told to contact a separate Chase department - the Chase Executive Office. ____ XXXX XX/XX/2019 I called the Chase Executive Office, who said they would open a case and notify me with the results within 7-10 business days. On XX/XX/2019 someone from the Chase Executive Office left me a voicemail, but only to say that they still could not provide me with any additional details related to the closures. ____ Shuffling customers around between different internal teams at Chase, building in significant delays at different points in the resolution process and refusing to provide additional information relating to customer issues all appear to be part of a company strategy to prevent customers from having their concerns addressed in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received an alert from XXXX XXXX saying that a hard inquiry was done by XXXX on XX/XX/2019. After doing research it is : Synchrony Bank via XXXX. I did not initiate or authorize any new accounts or applications with either institution. I called the number on my XXXX credit report : XXXX ( XXXX ) and the agent looked up my phone number and email address and said that she isn't seeing anything. She emailed ( via XXXX app ) me information on how to dispute the hard inquiry. If there is no record of anyone trying to open a new account, then that means XXXX ran my credit without my permission. I am in the process of disputing it with both XXXX and 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 non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
WellsFargo Home Mortgage states two payments are due on : Mortgage account : XXXX. 
Payment due are XXXX and XXXX XXXX Bank shows that the funds were taken out of our checking by WellsFargo from bill pay transactions : XX/XX/2019 Tran conf number XXXX XX/XX/2019 tran conf number XXXX When discussing the issue with Wells Fargo, they say that they think they have an old lockbox that was given to use by the WellsFargo collections department caller and that the money will eventually be returned to XXXX when, or if, they find the money sent to the old lockbox. 

All we know is that we sent entered the address that WellsFargo provided and that they removed the funds from our checking account by ACH. We would like the money found and applied to our mortgage.

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 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
When the mortgage NOTE was transferred to SLS  from XXXX XXXX XXXX was it a electronic NOTE? 

Information shows that the NOTE was securitized in 2006 ( see attachment, Line 6. XXXX  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 2019-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
XX/XX/2014, I was accused of living in an apartment in XXXX, GA. While attending college my wallet was stolen, in my wallet included my ID, credit and debit cards, and my social security card. I assume that this took place in the duration of my Junior year. I was living on campus at XXXX XXXX and never had a need to live off campus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PR

Complaint narrative:
refer to a letter sent on XX/XX/XXXX. By this means to date only one letter was received that the analysis they made corresponded. Please send all the documents you used to send payments to the crim with the receipts that the property had debt. As you view the payment on the internet increases in XXXX. I tell you that they can not continue sending payments to the crim because according to their analysis and my payments I have a credit in the crim of a full contributory year. 
I need to send everything done to my crim account. Evidence of payment made to crim in XX/XX/XXXX and XX/XX/XXXX and all the complete evidences of the reason for which they sent payments to crim. Please verify my " escrow '' account carefully again and I will wait for answers no later than the 45 days by law that you have. That high payment would greatly affect my family 's financial situation. 
Claim for my " escrow '' account since according to your system there is an unpaid payment for the Crim. Attached evidence of payment for the semester of XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was pinned with several late payments up to 90days ... Capital One Never Sent my Billing Statements To The Correct Address. Ive tried to dispute this with them several times and they refused to do anything about it. If anyone take a close and careful look at my payment history with this company or any other company on my credit profile Ive never been late or missed a payment. The statements was being sent to an address I had no association with. They have me paying on time with XXXX in the month of XX/XX/XXXX but 30 days with the XXXX and XXXX. Then 30 days late with XXXX in the month of XX/XX/XXXX but in the same month 60days late with the XXXX and XXXX. 60 days late with XXXX in the month XX/XX/XXXX but 90 days late with with the XXXX   and XXXX. In the month XX/XX/XXXX XXXX 90days late but now we have on time payments with the XXXX and XXXX. So as you can see the information have been reported incorrectly the entire time they was sending the billing statements to wrong address. Now they want me to pay the price for they mistakes ... All I want is for the all the late payments to be removed. For a loyal customer since XX/XX/XXXX with no late payments ever. I feel that them making a an adjustment to correct the late payment will be very satisfying to a loyal customer. All late payments should be removed immediately. Reporting inaccurate information is terms for deletion according to FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
Although my issue was not completely identifiable, there was a period during these last few months where there was money available in my account but my card was declined. I believe this is because I was a XXXX above my credit limit but my biggest problem is that I have paid all my payments on time for two years and during these last few months was denied half of my credit limit. Though I paid off the card before the due date, I was only given {$150.00} at a time. I used {$150.00} or less, paid it off and was still only given {$150.00} although I have a {$300.00} dollar limit. My banker tried telling me that wasn't possible but this is exactly what was happening. Once I stopped using the card for a few weeks, I was not given the other {$150.00} that I had already paid off, but instead charged a full {$300.00}, {$150.00} of which I had not used and already paid off. I should not have to pay a bill involving money that I did not use. 

I can not give you exact dates, but I was charged this XXXX somewhere between XXXX XXXX and my statement balance is XXXX as of XX/XX/XXXX. Note this is a secured credit card. 

At the end of XXXX, I roughly paid off the XXXX amount. From XXXX XXXX, I paid all charges that were continually given to me for a total of {$300.00}. I was given back {$150.00} again, used a majority of the amount, then stopped using the card for a few weeks and was charged {$300.00}.

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