vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-08 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: TX

Complaint narrative:
Hello, I paid the remaining balance of my rent in the amount of XXXX like I do every month using my Capital One 360 checking account. But for some reason on today XX/XX/XXXX the balance was reversed without my permission making it as if I did not pay my rent leaving me in a very bad situation with my landlord. I contacted Capital One and they provided no reason as to why the payment was reversed other than a XXXX XXXX who works for Capital One did it. I need a very good explanation as to why this money was reversed and now I am having to pay again my rent which was already paid and having to explain to my landlord why my payment was reversed without my knowledge or my consent. I also need a letter stating that Capital One reversed this payment without my knowledge or my consent so I can do my best to avoid any late fees and eviction since I am going to have to pay more money due to Capital One error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I received an email from a friend with a recommendation to apply for the Delta Gold credit card with American Express. Using the link, I applied for the card and received my first membership email from American Express on XX/XX/XXXX. The special rewards offer at the time was that I could receive XXXX XXXX points if I used the card for {$3000.00} worth of purchases within the first three months of applying. I completed that requirement by XXXX, but by XXXX I still hadn't received those points. 

When I contacted customer service the first time ( in XXXX ), the representative told me that the points should be applied within 4-6 weeks, and gave me a bonus of XXXX points for the inconvenience. Six weeks passed and I still hadn't received my XXXX points. I called again, and was told by another representative to call back a week later. I did so, and was again told to just keep checking back. That was about a month ago, so tonight I tried calling one more time and was put on hold for about 8 minutes before the call was dropped, either because the phone had been on hold for too long, the representative was just hoping I'd hang up, or there was a bad connection somehow. Regardless, I am so tired of making phone calls about an issue that should have been resolved almost six months ago. If I fulfilled all of their requirements, then there shouldn't be any problems with American Express upholding their end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 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: NC

Complaint narrative:
I received a copy of a credit report from Transunion in XX/XX/2018. I noticed several inaccurate/unknown accounts and inquires that did not belong to me. I quickly contacted Transunion via USPS and I must say, I have been drug around and in the dirt over the past six months. I wrote and listed all the fraudulent information, sent it via USPS and every time Transunion responds back with a letter saying these are VERIFIED. How that is possible is beyond me, I am XXXX XXXX and a number of these accounts and inquires were when I was away. To simply put it, I am a victim of fraud and Transunion does not care. After several Attempts to get Transunion to please adjust, correct and delete the fraudulent accounts, I have now filed Identity theft with the FTC. I have also reported Transunions ill taste in serving the consumer. I truly hope they take this serious, as I am ready to use any and all outlets possible to get the fraudulent accounts and inquires removed. This absurd situation has hinder me from my personal life to my work life.

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 2018-06-08 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: Synovus Bank
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : -30 Day Late -XX/XX/XXXXXXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/2018- 30 DAYS LATE XX/XX/2018 - 60 DAYS LATE XX/XX/2018 - 90 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WFDS/WDS. 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. I tried contacting both XXXX  and WFDS/WDS with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late 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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/XXXX i paid the 2 debts off. I asked them when will they report it to the credit agencies, they said by XXXX XXXX.I checked my credit report on XX/XX/XXXX it was still there, so i disputed it to all credit agencies and as of today XX/XX/XXXX it still shows on my credit report. I have my bank statement that show the amount paid and on their website it shows paid off. I see that they gave me false information that they will report it to all the credit agencies and when i call them they place me on long holds, then the phone call would just drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXXXXXX XXXX This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 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: FL

Complaint narrative:
By the amount of {$3400.00} dollars my credit was used unlawfully by someone using a XXXX credit card approximately on the month of XX/XX/2018. 

On the day XX/XX/2018 I got my credit history and I found the problem. 

Please take action on this matter 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 2018-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/17 balance {$310.00}. XXXX XXXX  This was an XXXX credit card. I never had the card physical card. There was a charge or {$30.00} some dollars on it that I did not purchase. Then the late fees started to add up and now its {$310.00} for which I did not use. I refuse to pay for something I didnot purchase. And when I spoke to XXXX they said they closed the account and all the charges were resolved but then a few months later I get this letter that it went into. collections.

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 2018-06-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a loan with XXXX XXXX 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. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and 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 2018-06-08 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: DISCOVER BANK
State: NY

Complaint narrative:
To Whom It May Concern : I have a credit card with Discover that i have been using for the last two years. Unfortunately, i purchased a travel ticket via internet on XX/XX/XXXX for the amount of {$1400.00} through XXXX XXXX. The booking number ID is XXXX. The itinerary of my flight was delivered to me via my email address. The airline company is XXXX XXXX. But From XXXX to all the way to my final destination i was booked with XXXX XXXX partner of XXXX XXXX. Once I arrived at the airport on XX/XX/XXXX at XXXX XXXX, I was told by XXXX XXXX employees that they just closed registration even though the departure was at XXXX XXXX. So, I inquired about the need to be booked on the next flight. They refused and said that they were nothing they could not do for me because I did not buy my ticket directly from them. I contacted the customer service of XXXX XXXX through open chat window on their website because there was no phone number to call on documents delivered to me. The customer representative i had, told me no to worry and they will get back to me. I immediately called my credit card company ( Discover credit card ) to inform them of the situation before the plane takes off. I was relieved when the customer representative told me no to worry about anything. They will deal with them. So, I used my other credit card to purchased another ticket for an amount of {$1500.00} from XXXX the same date. I was surprised that few months later I was charged back twice for the amount of {$1400.00}. for a total of {$2800.00}. {$1400.00} from XXXX XXXX XXXX XXXX ( I have no clue what company is that ) and {$1400.00} from XXXX XXXX XXXX. I tried to resolve the matter with them. But I noticed that this has become their routine in stealing from consumers.They sent me documents from the merchands that I disputed. But still they are quick to decide to close the investigation. How could I be charged twice for the same item?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

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 2018-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I do ask in light of the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. 

I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to keep having the positive experience that I have had with you in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holst & Boettcher, LLP
State: CO

Complaint narrative:
Payroll garnishment on original amount of {$7200.00}, which is incorrect. I've paid {$4000.00} in ( XXXX ) and {$2300.00} YTD ( XXXX ). Total amount paid {$6400.00} or 88 % of incorrect total amount. XXXX, XXXX XXXX XXXX XXXX is reporting an additional {$6200.00} balance for a total balance of {$13000.00} owed. I believe this law firm and these attorneys are attempting to take advantage and apply unfair and possibly unlawful practices to inflate original debt of a consumer. Excessive interest and taxes being applied to debt that has been recovered and written off by the original credit union ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my XXXX year old son received a XXXX package with a XXXX XXXX XXXX XXXX pirates DVD inside of it. The package was sent by a relative. It was not signed for and left on our doorstep. Approximately one week later a XXXX invoice ( XXXX ) in the amount of {$110.00} was delivered to our address. The invoice had our XXXX yr old sons name on it. I called XXXX at XXXX to dispute the charge. We did not send or request the package and we do not have an account with XXXX. I informed XXXX rep that the person who sent the package must have used a XXXX account. The XXXX rep stated that they could not find the account number and that my XXXX yr old son was responsible for the invoice payment. I told her to contact the sender to acquire the correct account number. On XX/XX/XXXX we received another invoice from a collection agency stating our account status was delinquent. It was addressed to our XXXX yr. old son. To reiterate - we do not have an account with XXXX and do not use their services for any mailings or shipments.

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 2018-06-08 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found that my old Wellsfargo Bank 's balance on a account I thought we resolved. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. And I found multiple inaccuracies with the way this account is reporting and would like it completely removed from 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 2018-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon o XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I have deposited the fund amount of US {$54000.00} to Coinbase Inc via XXXX XXXX XXXX on XX/XX/2018. Then I tried to withdraw my fund right away when I noticed that I couldnt buy/sell digital currency because I dont have SSN ( Im legal alien, not US citizen ) however they dont allow me to withdraw my fund because I dont have SSN. I tried to find out whats going on but their customer support didnt listen to me at all. 
Then I told them that I want to close my account But they said they cant close my account because I have money in my account. 

So many times, Ive asked them to let me know how to get my money back for last 5 months ( I can give you my email history and claim records ).

2 weeks ago, one of them replied me like I need to change my country in my account information, so I sent them my passport but they said they cant change my country because I got money in my account ( thats my fund that I want to withdraw ). 

It looks like they dont have willing to solve my case. Thank you so much for reading.

Company response to consumer: Closed with explanation