vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Purchased my home for {$500.00} well below market value after they forced a foreclosure on it. They respond with answers that have nothing to do with the facts which will be proven in court THIS IS STRAIGHT FORWARD THEY AVOID THIS IN EVERY OTHER COMPLAINT THAT THEY COLLUDED WITH THE REFEREE TO PURCHASE MY HOME FOR {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — Store credit 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:
We received a phone message mid XXXX to call XXXX XXXX to discuss a request to increase our credit line on our Lowes card. I check my Lowes card and the balance was zero. My last activity on that account was XXXX XXXX. I did not call the number back because I felt this was a phishing scheme. 

Then we received a letter dated XX/XX/XXXX stating that my credit bureau report was not accessible so they were unable to grant the increase. I called XXXX XXXX after reading the letter dated XX/XX/XXXX and informed them I had not made the request for an increase to my credit limit. I asked them to close my account. They asked for my SS number which I would not provide. I was n't sure if this letter was a scam or not so I hung up. 

On XX/XX/XXXXwe received a letter dated XX/XX/XXXX stating they had closed my account and I had a balance of {$8000.00}. I called the bank onXX/XX/XXXX after we got that letter and my wife spoke with XXXX who gave her employee number as 'XXXX '. XXXX stated they would turn it over to the fraud department and it would take 30 to 45 days to resolve. She said we should not make any payments and they would not report the account as delinquent to the credit bureau. 

I called XXXX XXXX on XX/XX/XXXX after we received the Lowes statement which is due XX/XX/XXXX. I was told the Bank knew the charges were fraudulent but it would take 45 to 60 days to remove the charges. 

I have filed a police report with the XXXX Police department and the report number is XXXX. I have made contact with one of the two Lowes stores where these charges were made. I with XXXX XXXX, Customer Service Manager, and he has turned this account over to their loss prevention department. 

Neither my wife nor I made any of these three these charges at Lowes. I request that Lowes and XXXX XXXX remove these charges from my account history and report to the credit bureaus that this account was closed per customer request because of fraudulent 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 non-monetary relief
Consumer complaint received 2017-12-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a cardholder with American Express since XXXX. On XX/XX/XXXX, I received a {$200.00} statement credit with a description of " XXXX XXXX XXXX XXXX '', see attached document. On XX/XX/XXXX, five weeks later, I received an email from American Express stating that " they have credited my account more than they should have ... '', see attached document. 

I called American Express customer service and ultimately spoke to XXXX ( ID # XXXX ) regarding this issue. She explained to me that this credit was given in error and that there were many cardholders who received a credit in error. She offered no further explanation nor did she feel it was the responsibility of American Express to provide further justification. 

If AMEX had made an error to only discover it five weeks later, as a valued customer they should NOT have penalized me for their error. What this company is essentially doing is penalizing their cardholders for their mistake. I have as well as many others I 'm sure have already appropriated funds received from this credit, so in essence, I am being penalized for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX 2015 Citibank reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called Citibank earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company posted a 30 day late on a card that was used with out knowledge, never received any bill, company admitted the mistake in address on the phone changed the address and now is saying they made no mistake. They also took longer than 6 months to get back to me and now every complaint is met with a phone call saying they will look into and get back to me .... the last one was months ago. I still havent heard back from them. Company made a mistake but seems to be ok with putting it off as if I will let them get away with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ECMC GROUP, INC.
State: TN

Complaint narrative:
After pulling my credit reports on XX/XX/XXXX I discovered a collection account listed on all three bureaus ( XXXX, XXXX and XXXX ) by XXXX XXXX of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I immediately sent a certified letter to XXXX XXXX giving them official notice of dispute. I also requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I asked them to note that I was requesting " validation '' ; that was competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. This letter was received and signed for on XX/XX/XXXX. After waiting 30 days with no response from XXXX XXXX I pulled all  three credit reports again only to discover that they had not removed the " Collections '' listings from my reports nor had they marked them as " Disputed '' as required by The Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

On XX/XX/XXXX I mailed XXXX XXXX a second certified letter which was delivered and signed for on XX/XX/XXXX. Now it has been almost another 60 days from the receipt of this second letter with no response or action taken by XXXX XXXX as required by the FDCPA and FCRA. Their failure to adhere to FDCPA and FCRA requirements and local laws is seriously damaging my credit. 

I have maintained a careful record of my communications with XXXX XXXX, letterdelivery signatures as well as time stamped credit reports that clearly document non compliance by XXXX XXXX to FDCPA/ FCRA requirements and to local laws. I will provide a copy if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
To Whom It May Concern : Hello my name is XXXX XXXX and the reason for this letter is because I did business with XXXX XXXX. I pawn a ring few months back and I miss my final payment and the ring was surrender. So when call to ask about the ring they offer to sell back for difference price, then it supposed to be meaning it was 2 and half times more what it supposed to be, you only required to pay the amount of the interest and what you borrow from the company. The manager I was dealing with got very unprofessional because I was try explain the situation, I told her to show the policy that they can charge 2 and half of amount to buy back your product, she inform me that they dont have nothing that explain the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I receive a message on line telling me : Capital one is blocking you from enabling external applications. I went into Bank, call the phone number providedXXXX spoke to someone who could not help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
This complaint is in regards to Mr. Cooper mortgage company previously known as Nationstar. 
I cosign the loan for my daughter which is why I was also responsible for the payments. My husband passed away and my daughter divorced which made it difficult for us to pay the loan for the house. Several times we attempted to negotiate a sale for the house and when we asked for the final pay off the mortgage company would take their time and prolong the pay off into the next month. This added additional costs and we would lose our buyers. This happened three times. Recently we asked for a payoff and it was good until XXXX XXXX of XXXX. We closed on the house on XXXX XXXX of XXXX. The title company dispersed the amount requested by Mr. Cooper on XXXX XXXX, XXXX. And employee at Mr. Cooper signed for the registered letter on XXXX XXXX, XXXX. To my knowledge everything was paid and I no longer had to deal with the mortgage company. On XXXX XXXX I received a call from Mr. Cooper and was told that the amount for the payoff was not enough and that on XXXX XXXX, XXXX Mr. Cooper had added on more interest and that I owed another {$330.00}. And since it was XXXX XXXX it was already past due and I would have to get a new pay off and that would take us into XXXX XXXX where I would end up paying thousands of dollars more. I immediately paid the {$330.00} to stop further assessments. I contacted the title company and was told that they should not be allowed to add on any more money since we paid it off in full as they requested. When I called the mortgage company back to let them know they proceeded to tell me that I owed more than {$330.00} and that there was another XXXX dollars due to pay. I sent them the return receipt and a copy of the payoff that I had. Today On XXXX XXXX I was told that because I paid the XXXX that the loan was paid in full. And I did n't know the extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I went to the Capital one branch located by XXXX XXXX New York, to place an international wire transfer to pay for my wedding venue in XXXX the amount was {$2100.00} USD plus a {$40.00} Capital one I was told the receiving bank will charge $ XXXXUSD and the wire should be done in 24 hours I was never advised how much the beneficiary bank will receive in local currency, after 5 days I saw no funds were release from my account unable to get help over the phone I had to go to the branch and after multiple follow up finally on XX/XX/XXXX the funds were released however the money was never paid today is XX/XX/XXXX and the money is still not paid per Capital one the intermediary bank XXXX XXXX needs to find out where is the money and they seem unreachable on XX/XX/XXXX I was told that XXXX was involved and asking if the venue I 'm paying the money is affiliated with another company of similiar name which I already confirmed is not and still no answer where they money is going to be paid or at least refunded back to me, the answer I got when I requested the money to be paid back to me was it will delay the process and I needed to move forward because there was not guarantee I can get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: AES/PHEAA
State: CO

Complaint narrative:
Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my AES account reported by XXXX to AES and XXXX and XXXX  requesting that the incomplete reporting of my AES account information be changed to reflect the correct XXXX reporting of my AES account. 

I have not heard back from American Education Services. XXXX  and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with AES and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by XXXX and XXXX, but are being reported correctly on my XXXX credit report. 

My request is that AES reports the same information to XXXX and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments. 

Thank you. 

Concerned Consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
this is now the third complaint because they keep stating different things in the initial complaint XXXX they stated that my XXXX account ending in XXXX could stay open because it was opened after the original filling and the conversion to a chapter XXXX bankruptcy. then I filed another complaint stating that my XXXX , XXXX XXXX, XXXX account would follow the same as the XXXX 'XXXX account opened after the initial filing and the conversion of the Chapter XXXX bankruptcy. complaint # XXXX however you are now stating that is not since the account were open prior to the Bankruptcy yes they all were opened around the same time. XXXX was opened XXXX, XXXX XXXX XXXX XXXX, XXXX 'XXXX XX/XX/XXXXand XXXX XXXX XX/XX/XXXXso you can see all account were opened after the initial filing of the chapter XXXX bankruptcy. They are stating than they account ca n't be re-opened because they were opened after initial filing and then a conversion took place they need to be closed. However please note that you have conflicting information from one letter to the next. Being that the XXXX account was opened after initial filing and conversion. All accounts were closed/suspended at one time and then in XXXX I was informed to fax over discharge to show no accounts included and all accounts were re-opened after conversion so I am beyond confused as to why you are now telling they need to be closed. There were even credit line increase given after the accounts were opened in XX/XX/XXXX. If you feel that all accounts need to be closed because of the conversion please quit sending statements as I will than consider all accounts included in bankruptcy and stop making the payments.

Company response to consumer: Closed with non-monetary relief