vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 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:
On XX/XX/2019 Capital One ask me to call them for a potential fraud on 2 of my credit accounts. I called and they wanted me to upload documents such as ( signed social security card & front and back of ID or drivers license ) to verify my authorized users that I had on my account previously and currently. I sent them 90 % of all the authorized users info but however I could not obtain the other Authorized users information because they would not send it to me. My issue is that this does not say this is required and that I have to provided this on the " Terms and Conditions '', this is a privacy issue and they were just under a cyber attack which was on the news in XX/XX/2019. They have restricted both of my cards but have not provided me with a reason and said it was not a fraudulent transaction. I was advised that it would be restricted until I send the documents for every single person that was on the accounts. I provided proof of their Authorized user terms on page 4 of the document I uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
On XX/XX/2019 I reached to Nationwide credit inc about my XXXX XXXX card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. Nationwide told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the Nationwide there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.

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 2019-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Portfolio Recovery Services has been calling me at least weekly, and sometimes daily or multiple times per day, for more than 10 years, and continued after I changed my phone number in early 2017. I have verbally asked them to remove me from their list on many occasions. I block the number each time they call, but they have taken to location based number spoofing. I traveled to Nevada this weekend, and they just called me from a Nevada number. I've not initiated any business with this company, nor does it appear on any of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I got behind 90 days because the website ( specialized loan servicing ) won't allow you to pay just 1 month if you are behind. They force you to pay the full amount so you stay behind. My other Mortgage company ( XXXX XXXX XXXX ) lets you pay any amount you want and pay  extra to the principal if you want. I called XX/XX/2019 to pay the 90 days and they would only allow me to pay 2 months worth so I'm now 60 days behind because a new bill came out. I tried to pay 1 month on their website on XXXX XXXX 2019 but it won't allow me to do so. I would just pay the 2 months to catch up but I only have 1 months worth I can pay this month ( which would bring me current ) but I'm not allowed to on the website since 1 owe 2 months. They make it hard to pay if you get behind and I don't think that's fair. It just keeps you behind. I don't know what kind of rules there are for this case but hopefully there is something. 
Thanks, 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 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've paid XXXX on time and more than the minimum for a year or more. Apparently, they went into my credit report and found that I had been given two new credit cards attached to airlines which I accepted so that I could get the bonus miles. Without warning XXXX, actually, Comenity bank which handles XXXX too many retail cards and should be checked for monopoly, lowered my credit limit. No biggie BUT this set off a domino effect because once they did that, my FICO dropped MASSIVELY. So essentially I'm penalized for paying XXXX on time. This is madness and should be illegal. I will fight this all the way because it's simply XXXX. Also, and get this, because they lowered the limit DRAMATICALLY, the current amount now puts me at 90 % usage of the card making me look like a crazy person which also impacts my credit score. And again, I have done nothing wrong! MUST have help with this. So very, very, very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Hi, on XX/XX/2019 BARCLAYS BANK DELAWARE has left an unauthorized hard inquiry on my credit with XXXX, I didn't apply for any credit so i called XXXX  and placed Freeze on my credit and they said contact creditor to send us a letter to remove this unauthorized hard inquiry on my credit

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XX/XX/2019 I reached to XXXX XXXX XXXX about my American Express card. They said I owned XXXX we settled the account at XXXX. One payment on XX/XX/XXXX of XXXX, a second payment on XX/XX/XXXX of {$1000.00}, and third and final payment of {$1000.00} on XX/XX/XXXX. They said they would send me a settlement letter explaining the deal we had just agreed on. I spoke to XXXX and his manager. Today XX/XX/XXXX I called back because I hadnt received the settlement letter even though I had already made the first payment. XXXX told me there was no settlement and that I now owed added interest on the account which totaled around {$240.00}. They took my inicial payment on the settlement didnt send me a settlement letter and are now charging me interest. According to the XXXX there was no settlement done and I still owe the full amount. I feel ripped off of my rights as a consumer and as a citizen. They reported the wrong amount to the credit bureaus. Even though I made a {$450.00} dollar payment on the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019 I used Chase Bank XXXX to send {$300.00} to another XXXX account to pay XXXX " XXXX '' XXXX for a service. Today is XX/XX/2019 and I have not received the service. I can no longer get in touch with this individual and was defrauded into sending the money. Chase Bank has been unwilling to help with a refund or any support with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SIMMONS FIRST NATIONAL CORPORATION
State: PA

Complaint narrative:
ON XX/XX/2019 SIMMONS BANK Has left Unautorized Hard Inquiry on my credit with XXXX  so, i contact XXXX  and placed a freeze on credit, i didn't apply for anything with SIMMONS BANK

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I learned that Chase is having mandatory arbitration rules in their agreements. Anyone who wants to opt out of this will have to mail in a letter stating all personal information including account numbers. Why mail in a letter? People are more subject to fraud when they mail in letters. Why do you have to have mandatory arbitration? Why do you have to take rights from the customers. When you have mandatory arbitration the customers have little protection against fraud. With this complaint I am informing Chase I am opting out of the mandatory arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo staff Ms. XXXX, Mr. XXXX, XXXX XXXX, XXXX XXXX and their XXXX XXXX XXXX, and XXXX  XXXX XXXX. Involved themselves in several incidents of fraud by deception. I have recordings and provided the attached documentation to Mr. XXXX prior to going to court. Mr. XXXX upheld the docs at the termination hearing. However, Mr. XXXX wasn't informed of what type of home I owned. Therefore t made me quite suspicious that he was stating before the court asking for early termination of loss mitigation? However, he was aware of what type of home I owned. 

Please see the attached correspondence for the explaination.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
I have several negative marks on my report that are holding me back and I need to resolve them so I can have at least a XXXX score please

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX   Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have not authorized these hard inqury and when i contact Equifax they will not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been having issues with my credit and been checking my scores online with XXXX XXXX  and noticed XXXX Hard inquiry again someone use my info for fraud. They applied for a capital one card in XX/XX/2017 and took a loan in year XX/XX/2017. Also they have employment info as XXXX XXXX I never worked there or know what it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC
State: FL

Complaint narrative:
The sales person at XXXX XXXX, told me that XXXX affiliated mortgage company, Eagle Homes would match any interest rates of other mortgage companies. I decided to purchase this home based on the fact that I would receive {$20000.00} in closing costs and upgrades if I went through Eagle Home and they would provide fair interest rates, comparable to other lenders. I was hesitant knowing they are affiliated companies because I was unsure they'd provide a fair rate. The sales person explicitly told me that they would match any other lender. With that as my understanding, I signed the purchase agreement. At this point, with two weeks out, with the average national interest rate at 3.7 %, Eagle Homes attempted to offer me 4.25 %. I have good credit and 20 % down. I went to XXXX XXXX they offered 3.6 %. XXXX said they would take away my builder incentives if I didn't go with Eagle Homes. However, Eagle Homes is clearly trying to take advantage of there customers. I asked Eagle Homes to provide a reason as to why the interest rate is so much higher than there competitors with no response. 
I gave them a chance to match and they only went down to 3.99 %. Again, higher than the national average and not near XXXX, forcing me to go with Eagle Homes or lose the incentives. I have no problem using XXXX lender but they are clearly steering me to a lender with unfair rates and requiring me to use there lender to buy a house I would not have chosen to afford without those incentives I had before I signed the contract. XXXX and Eagle Homes have done little to nothing resolve the issue at hand. It looks like Eagle Homes and XXXX are forcing me to use a lender or lose $ XXXX in incentives while trying to make back the $ XXXX by charging me high and unfair interest rates.

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I attempted to dispute a charge with my credit card company ( Barclays ), where services were not rendered as expected. I was denied dispute rights. 

Summary : On XX/XX/2019, I made a purchase using my Barclays Arrival credit card. 

It was for {$320.00}, with a merchant called XXXX. XXXX   is a global hotel booking service, owned by the publicly traded XXXX ( XXXX ). 

Documents A, B, and C are the receipts for this transaction. My {$320.00} were to pay for a private suite in a XXXX hotel called XXXX XXXX. This suite was the hotel 's most expensive property. 

Upon arrival at the hotel on XX/XX/2019, I learned the hotel received only 60 % of my payment. The merchant, XXXX, which contracted to book a private XXXX for {$320.00}, booked the hotel 's cheapest property instead, a bunk-bed in an 8-person dorm room. 

Documents D and E were given to me by the XXXX XXXX hotel. They show the hotel received only 60 % of my {$320.00} ( XXXX Euros ) and attempted to get the remainder from merchant XXXX, to no avail. 

I contacted the customer service department of merchant XXXX, attempting a good faith resolution. I requested a full refund of the transaction amount. The merchant refused, making smaller and unsatisfactory offers. 

Documents F and G are emails from the merchant XXXX   admitting clear culpability, claiming a " booking error '' on their end. They never explained why they refused to give the hotel the balance of my money. That remaining balance is still missing to this day. 

Document H is my official charge dispute letter to BARCLAYS. I included all the above documentation in this initial complaint, and a follow-up one. 

Document I is Barclays official refusal to decline this charge, or pursue action against XXXX. This, despite my providing them with evidence of services not rendered as expected, and two culpability admissions by the merchant 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 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OH

Complaint narrative:
on XX/XX/31 to withdrawal money from an atm at citizens bank it did not give me my money and took my card I had to go inside the bank to retrieve my card I got a paper that said incomplete transaction I filed a dispute that very day with us bank and now 2 times since they wont request the video from the atm owner I did not receive my money I had to sign for my card to get it back from citizens bank they could request that also but they havent done any of that

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 2019-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
Hello I've been requesting complete statements from Pollack & Rosen for months. They continue to send me incomplete documents. I've requested the documents ( via letters and phone calls and voice mails ) to verify the amount owed. The statements show page 1 of 2 and all I get is page 1. I need to review and confirm the amount. If they aren't able to provide me complete information than the debt can't be verified. Per the company letter they stated they responded to me with the information they are required to provide under the FDCPA. This isn't a true statement. Please advise my next course of action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For 3 years a collection account appeared on my credit report erroneously. I disputed with Equifax on several occasions by XXXX Mail, online and by phone. None of those disputes corrected the error on my report. Last month I once again sent an online dispute to Equifax and they responded by email whereas I was to log in answering many credit related questions which I answered correctly. The website then indicated it was processing the response for my viewing. An error message appeared which indicated their online system could not show the results and I must call their XXXX number to talk with a person. After talking with 2 persons during a period of more than 45 minutes. Most of that time being put on hold, I was once more told I must send a letter to them that they will not answer my question by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/2019 I paid off a Negative XXXX debit with a collection agency XXXX XXXX. It has been closed and listed as paid through XXXX and XXXX. The issue is that Experian still shows it as a negative account which has caused issues with me purchasing a home. 
I have submited documentation though their dispute center once via their web site and a 2nd time via mail. Each time I have submitted the documentation the account doesnt get corrected in their system I would like my XXXX account to be corrected and not show as negative on my credit report.

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 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint relates to XXXX, but is a new complaint based on BANK OF AMERICAS ACTION OF YESTERDAY XX/XX/2019.I allege than CEO XXXX XXXX  could be prosecuted personally under RICO for running the 2nd largest bank, but profiting illegally.Yesterday 's incident shows lack of error but pattern and practice OF ILLEGAL BEHAVIOR.BOFA PUT A 9 DAY HOLD ON A SECOND CHECK AT @ XXXX LAST NIGHT. 
YOU CAN NOT REJECT THE TRANSACTION AT THE ATM AND GENERALLY THE MAKERS CAN NOT STOP PAYMENT BECAUSE THE CHECKS CLEAR OVERNITE. 
BANK OF AMERICA IS MAKING MONEY ON THE FLOAT INVESTING MY MONEY FOR 8 DAYS FOR FREE ... THEY ARE STEALING THE USE OF MY MONEY UNDER A LOT OF MALARKY LIKE THEY HAVE A LEGITIMATE RIGHT TO DO THIS ... THEY SELL CHECKING ACCOUNTS BUT HAVE QUIT CASHING CHECKS, THEY WILL TAKE YOUR CHECK CASH IT AND INVEST IT TELLING THE PUBLIC THAT ALL BANKS DO IT ... CEO XXXX IS RIPPING OFF HIS CUSTOMERS.

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