vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 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: MI

Complaint narrative:
On XX/XX/XXXX, I booked a reservation at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX through American Express Business Travel. Per the reservation confirmation from American Express Business Travel, the reservation included a no-show fee of XXXX Euros in the event the reservation was not cancelled before XXXX the day of arrival. Due to changes in my travel plans, I was required to cancel this reservation after XXXX the day of arrival and should have been charged XXXX Euros as a no-show fee. However, the hotel charged my credit card XXXX Euros without explanation for why it was in excess of the XXXX Euros outlined in my hotel confirmation. Therefore, I was overcharged XXXX Euros ( XXXX - XXXX = XXXX ). I contacted the hotel but was unable to resolve the issue due to language barriers. Therefore, I disputed the charge with American Express on XX/XX/XXXX and the disputed amount in USD was {$220.00}. American Express was unable to resolve the matter with the hotel and provided me the credit of {$220.00}. Subsequent to this resolution, the hotel charged my credit card for XXXX Euros to try and recover the amount that American Express credited me as a result of the dispute. As soon as I saw the charge, I called American Express and was told I would need to dispute the charge again. I filed another dispute on XX/XX/XXXX to dispute this matter ( which was for XXXX Euros or {$230.00} in USD as of the dispute date ). On XX/XX/XXXX, American Express sent me a letter informing me that the merchant provided information to American Express and that American Express concluded that the charge was valid. However, the information provided to American Express by the merchant is not in English and does not appear to support the amount charged by the merchant. Further, it is explicit in my hotel confirmation that the charge should be XXXX Euros. On XX/XX/XXXX, I contacted American Express again to discuss this matter. I was told that I would need to file another dispute with American Express. Throughout my conversations with American Express, I have felt that the representatives I have worked with were not sufficiently competent to understand and resolve this matter. I have put forth more than a good faith effort to resolve this matter with American Express and believe my dispute is clearly supported by the facts and hotel confirmation from American Express Business Travel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
In the process of closing on my co-op and my mortgage company, XXXX XXXX XXXX, states the stock and lease is with an investor and should take up to 4 weeks to retrieve the documents. As of XX/XX/XXXX, it will be 4 weeks from the date they were ordered ( XX/XX/XXXX ) to procure them. As of yesterday, XX/XX/XXXX, my attorney states shes been calling and emailing the banks attorney and has not received any contact back. They know we are up against a clock and will be in breach of contract as of XX/XX/XXXX. As of right now, looks like Ill lose the sale of my co-op due to lost documents that are out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: CA

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payments on mycredit report. As you can see, I have always had a stellar payment record with these companies. TransUnion only reporting me late. There was definitely an error on their part. I was never 30 days lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
if a person has a personal checking account with a bank and they write another person a personal check from that account and I go to that bank to cash that check that I do not have any account there can they charge you a fee to cash that check as high as {$8.00}.

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
Consumer complaint received 2018-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Hello, I'm currently an account holder with XXXX XXXX Carecredit. I was provided interest free terms for a medical procedure that involved monthly payments of about {$420.00}. 

The interest free period was for 12 months. However, the automatic monthly payments were set up -- surprise, surprise -- for a 13-month period. Sticking with their original monthly payment scheme would have resulted in one outstanding payment falling outside of the interest free period. 

So that would mean I would pay interest on the remaining balance of {$420.00}, yes? Apparently not. I was told by an operator last week that not paying the entire balance within the 12 months would have activated the interest being withheld on the entire balance -- not the outstanding balance. That interest amounts to about {$900.00}. Even if I had an outstanding balance of {$1.00} by the end of the interest free period, the balance owed would suddenly become {$900.00}. 

This is so predatory, so sneaky, and so manipulative that I can not believe it's legal. The end of an interest free period should only generate interest on the balance that remains -- not the original amount. And the 13-month payment scheme in conjunction with a 12-month interest free period is so criminally deceptive and predatory I can not believe it. 

Please investigate this practice and outlaw it forever. 

Regards, XXXX XXXX XXXX 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 2018-05-23 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: FL

Complaint narrative:
I opened a dispute with Equifax in reference to a 60/90 late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Equifax to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Equifax accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 60/90 days late. Im requesting Equifax to validate claims with supporting documents. Not verify name, address, and social security #. What im requesting of Equifax can't completed with a teletype.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There's a fraud Alert because my phone number onfile with transunion is wrong it should be XXXX 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 non-monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
FL was declared a Natural Disaster on XX/XX/2017, Hurricane Irma. I took the 3 months Deferment. Wells Fargo stated to Me on a recorded line that payments would go to back of Loan. The Home Preservation Specialist ( XXXX XXXX ) stated I had to do a Loan modification or make missed payments to prevent foreclosure on My Home.I feel I was defrauded by Wells Fargo. 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 2018-05-23 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: TN

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company:XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/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 2018-05-23 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: TN

Complaint narrative:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below I have listed the fraudulent accounts on my credit report that should be removed. 

Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX   Date:XX/XX/XXXXCompany:XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2018 WENT TO XXXX XXXX IN XXXX XXXX, CA WITH PRE-APPROVAL, PRE-FUNDED LOAN FROM MY CREDIT UNION. THEY STILL SAID THAT EVEN THOUGH I HAVE THIS, THEY STILL NEED TO RUN MY CREDIT. I SAID NO, THEY DID IT ANYWAY. THE PERSON COMES BACK, AND SAYS '' WE CAN GET YOU A LITTLE HIGHER RATE WITH A BETTER COMPANY '' WITH A HUGE SHEET OF PAPER OF PLACES HE WAS RUNNING MY CREDIT THROUGH. I WAS FURIOUS!!!!! I DEMANDED TO SPEAK TO SOMEONE IN CHARGE. THE MANAGER SAYS WELL ITS LATER IN THE EVENING AND WE CANT VERIFY YOUR LETTER SO WE MUST TY AND OBTAIN FINANCING FOR YOU '' ... ... .i SHOWED HIM ON THE VEHICLE CONTRACT THAT IT GIVES ME 5 DAYS EVEN IF I WASN'T PRE-APPROVED TO PROVIDE MY OWN FINANCING!!! I HAVE RECEIVED ABOUT 7 LETTERS FROM BANKS AND CREDIT UNIONS IN THE MAIL AND AM BEING DENIED FOR EVERYTHING. MY SCORE HAS DROPPED OVER 100 POINTS IN 1 MONTH. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, THEY KEEP COMING IN!!!! EQUIFAX, XXXX, XXXX SENT ME A DENIAL LETTER ALSO. PLEASE HELP ME ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. 3 Credit Bureaus are reporting me late. There was definitely an error on their part. I was never 150 days late in XX/XX/2017.

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 2018-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: OH

Complaint narrative:
Portfolio marked my last complaint as a duplicate which it was not and if they mark this the same it It's still a printable complaint which can not be removed from the database.Portfolio is  sueing me for an account which is the result of identity theft.they say because there were payments made on the account that that's their proof and I will be liable for all attorney fees.this is a violation of my identity theft laws to which jhportfolio is in violation of the rules.i never had this card this is identity theft.the thief took out multiple cards and payed on them and then defaulted.other companies have removed thier fraudulent accounts.portfolio says my counterclaim is made out of retaliation, which it is not.it is to make them accountable for thier harrassment of a fraud victim and I will prove this.

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I got an alert from my XXXX account stating that a new collection was on my account from IC Systems in the amount of XXXX. I never received a call or letter from them stating that I had this debt. I remember earlier in the year showing a collection account on my credit from XXXX totaling the same amount. I notified them and was given information regarding the debt, and I told them that wasn't mine debt, because the service address was one I never lived at. The rep told me at that time that I need to submit an identity theft packet to XXXX who was the one reporting the debt. I completed the packet and even got it notarized, and submitted all the information to XXXX. The debt was deleted from credit report. However, now the same account is being reported through another collection agency. I've reached out to them and made them aware that this debt is fraud, and that I submitted the necessary paperwork to XXXX to remove this debt. This morning I received another alert saying that IC Systems flagged the my credit report again. 
Collections Agency : IC Systems Debt company : XXXX Account Number : XXXX Date account was opened : XX/XX/2012 Collections Reference number : 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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, This is to complain an unfair treatment I received from Citibank. 

On XX/XX/XXXX, I received a US mail from Citibank with attached checks, encouraging me to make a balance transfer. On the same day I made a transfer of {$10000.00}. 

I regretted this transfer later because the interest rate is 5.99 % and I paid a {$400.00} transfer fee. Therefore I want to check with Citibank if I can get the {$400.00} transfer fee refunded. 

On XX/XX/XXXX, XXXX XXXX, I called Citibank. On a recorded line a service rep named " XXXX '' told me the transfer fee can be refunded, but I need to pay off the balance in the statement first On XX/XX/XXXX, I paid off the balance On XX/XX/XXXX, XXXX XXXX, I call Citibank again, and a service rep " XXXX '' told me the balance transfer fee is not refundable. 

Attached please find the statements of the credit card. 

I feel I am not treated ethically by Citibank. The {$400.00} transfer is simply not fair to me. As a customer Citibank does not have right to charge me {$400.00} if I borrowed {$10000.00} and return it back within 20 days. This is another trick by a mega-bank do to a regular customer like me. 

Therefore I need your help to get this straighten out. 

Thank you for your help! 

XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a business that often receives payments made out to my business name, my clients name ( s ) and their lender 's name. Their lender requires my business to endorse the back side of the check with a signature guarantee, which is performed at the branch level of a bank by an account manager ( desk employee, not teller ). To my understanding a signature guarantee from the bank means the bank is guaranteeing that I have an account with them and that I am an authorized signer on that account. If that is all it is, how can and why can my bank place a limit of {$25000.00} on the amount of check they are guaranteeing my signature for. The funds from that check are not being placed in any account with that bank. The bank has no apparent liability. They will perform the same action on any check under {$25000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from XXXX student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with XXXX were purchased by XXXX my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from XXXX. The credit bureaus disputed but results came back saying to contact XXXX. I reached out to XXXX via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to XXXX asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX. 
Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Hello I really need help with Ocwen mortgage they lied to me since they foreclosed on my home in XX/XX/XXXX.. I have been trying to get help but with no money no one will talk to.me. I have a case management coming up in XX/XX/XXXX. But they sold my house to the new owners in XX/XX/XXXX Ocwen does not have a ejectment or a processing of my property. The new owner taped a letter to my front door telling me I have 2days before locks changed or sign a lease which they were not the owners I just want to get my house back only thing I have left

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