vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the date below : 30 days late as of XX/XX/2018, 60 days late as of XX/XX/2018, and 90 days late as of XX/XX/2018. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
XX/XX/2019. Requested online personal credit reports f from TransUnion via online portal. Fee was {$29.00} for all three-TransUnion, XXXX and XXXX. Site was extremely slow to load on my computer-my bandwidth from ISP was fine ( from speed test ). The problem was with TransUnion website. I was never able access my three reports. Somehow I was also billed {$24.00} for an unknown reason as a monthly  reoccurring charge!!!!! Result was my inability to obtain my three credit reports from the TransUnion website and two charges for {$29.00} and {$24.00}. The website was so deceptive and confusing I thought it was a scam and fraud and not a legitimate business. 

Today, during business hours I called the TransUnion customer service and explained problem and asked for a refund for both charges. XXXX said yes to refund the {$24.00} and no to {$29.00} with no logical explanation and no assistance but she seemed to be excellent at intentionally confusing the issue. 

This company and their website have the actions and appearance of a company that know and intentionally use unethical tactics to sell and market their services.

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 2019-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Logged into Amazon card account on XX/XX/XXXX. Showed payment due of {$27.00} on XX/XX/XXXX so I made the payment that day. Logged in on XX/XX/XXXX and it showed payment was 2 days late and I was charged a late fee of {$35.00}. So I made another payment on XX/XX/XXXX for {$30.00}, even though I knew I had already paid my minimum payment due on XX/XX/XXXX. On XX/XX/XXXX I made another payment of {$25.00}. On XX/XX/XXXX I logged in and saw a minimum payment due of {$70.00}, more than double the usual amount. Talked to customer service who said it was because of the late fee. After explaining I should not have been charged a late fee, the rep said they would remove it. But they refused to change my minimum amount due back to {$35.00}. I explained I can't make a payment of {$70.00}, and shouldn't have to since they claim to have removed the late fee that I never should have been charged. They would not help me and fix the payment due. I made a payment of {$35.00} that day, XX/XX/XXXX. Synchrony bank has now locked me out of my online account and won't even allow me to reset my password, thus preventing me from paying the additional {$35.00} due by today, XX/XX/XXXX. So now they will charge me another late fee. I tried their online account chat but it never connected me. I called customer service and kept getting hung up on when they said they were transferring me. This is clearly very shady business practices in order to scam customers out of money for late fees. I've had this account for years and never had issues logging in until I complained about this billing issue. And now they've completely removed my online account access to prevent me from making my payments on time. Their unscrupulous business practices need to be investigated.

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 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On Monday, XX/XX/XXXX, I spoke with Citibank mortgage representative XXXX XXXX to discuss rates. We were quoted 3.5 % in writing without relationship pricing and we decided to lock-in the rate on XX/XX/19. We were also told that if we transferred over assets that our rate would be reduced. Per my conversation with XXXX XXXX and outlined on the link below, please see the schedule of relationship pricing discounts : XXXX XXXX XXXX XXXX I opened an account on XX/XX/19 and deposited {$500000.00} in assets to be eligible for the 3/8 percent rate discount per the Citi mortgage relationship pricing schedule. I contacted XXXX XXXX on XX/XX/19 to inform him that I had moved over the $ XXXX in assets and I provided him with the new account number to be eligible for the Citi mortgage relationship pricing discount of 3/8 percent. At this point, XXXX said that the rate we locked-in included the relationship pricing at the {$500000.00} level and my rate was 3.5 %. I said that this was not correct as he had said on XX/XX/19 that our final rate would be further reduced with the relationship pricing. I, then, requested that he go back and listen to our conversation on XX/XX/19 where he very clearly quoted this on several times during our call. He said he would have his manager listen to the call and have his manager get back to me. As of now, I still have not heard back from his manager and it's been over roughly 1 and half weeks.

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 2019-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX I received a letter from USAA on behalf of XXXX XXXX XXXX of the servicing company XXXX. It shows they found a delinquent tax bill. I immediately responded to show documentation of the deferment account I was approved for by the XXXX XXXX XXXX XXXX and explained I was not delinquent or in default. I called USAA and was on the phone for a considerable amount of time while my situation was being assessed and was told that this notice was sent in error by the service companys tax company and to disregard. XX/XX/XXXX Then I got the notice dated XX/XX/XXXX that USAA paid my tax debt of {$13000.00} in early XXXX and that it was to be paid back over XXXX year with an increased payment of {$1500.00} from {$380.00}. 5 years of property tax deferral to be paid back in 12 months. Its an impossible situation that could cost me my only asset, my home. That payment is almost the full amount of my XXXX, social security XXXX check. 

I called the XXXX XXXX tax office who assured me I had not made an error and confirmed that they were sent the entire deferred amount in XXXX. She apologized that this has happened and said it has occurred with other lenders and the instruction for remedy is for USAA to email them to request the return of that full payment to restore my deferred taxes. This is an entitlement program in the Property Tax Code that I was encouraged to apply for and was reassured multiple times that it was a solution in my case of being permanently XXXX and trying to manage being a single parent taking care of my mother in XXXX. 

After calls and emails on XX/XX/XXXX I have yet to have a reply from USAA. I was told my file was escalated to an AVP at XXXX ( not USAA XXXX. But still heard nothing after one week.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Protection Association, L.P.
State: AL

Complaint narrative:
I moved from XXXX Massachusetts to XXXX Mass. Not knowing that I had a bill from XXXX XXXX. I put in a post office change..got a bill from credit protection..Which I thought was fake..I called  XXXX XXXX..they told me how much I owed..I set up a payment plan with them to pay XXXX per month until bill is paid in full..XXXX XXXX  was accepting my payments..then I got another card from credit protection saying to call them..on XX/XX/15, I explained to them I already have set up a payment plan with XXXX XXXX..I was told, stop paying them you have to pay us..I paid my first payment of XXXX to them and told them I will be paying XXXX through my bank XXXX and XXXX then finished..I specifically asked the guy I was talking to would this affect my credit he said NO. As long as you pay..two weeks later they put it on my credit report..this isn't right..I want this off my report NOW..the last  XXXX I sent to be paid on XXXX and XXXX..no payment owed..DO THE RIGHT THING..IF I KNOWN THIS, I COULD'VE CONTINUED TO PAY 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 2019-08-05 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: CITIBANK, N.A.
State: OK

Complaint narrative:
XX/XX/XXXX XXXX XXXX shows hard inquiry from Citi Bank Na. Best buy on XX/XX/XXXX. XXXX has a range XX/XX/XXXX to XX/XX/XXXX. 
I did not approve this inquiry and I want it removed along with any accounts or affects from it canceled out. 
Twice, I called offending company on XX/XX/XXXX. They claim to have no record of such a pull from their end. The first call advised me to just let it go and that the credit points would come back up soon ... 

I've had no business or like applications with Best buy since this last spring. They might permanently lose my patronage. This is unacceptable.

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 2019-08-05 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial incorrectly reportedmy account as being 30 days late for about 5 months. Before the incorrect reporting, I contacted Ally and was placed on an agreement plan that the account would not be reported late as i needed to change the due date temporarily. I noticed tbis year of the incorrect report and contacted XXXX 5 times and XXXX  filed the dispute on my behalf to Ally. Ally has incorrectly changed my report 5 times after every dispute with XXXX. They keep changing something with every dispute. They have been given more than enough times to correct my report but yet they have not. They are abusing their authority and should only be given 1 chance to correct a report. However, witb every dispute they seem to make another " mistake '' and make yet another incorrect change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Closed a Mortgage with New Rez financial on XX/XX/XXXX. New Rez was in possession {$2300.00} and XXXX for the purposes of Escrow while the Mortgage was still active. Since we closed the loan on XX/XX/XXXX New Rez has repeatedly failed to return the Escrow amount to us. They have not sent a check or done a direct deposit despite weeks of daily follow ups with support staff and managers. They have repeatedly told us they would mail a check or issue a direct deposit but we have not received any money. This is along with repeated instance of being told they will " call us back '' and never doing so and managers who provide us with direct line phone # 's that do not work.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have sent Experian two letters disputing an inquiry that is on my credit report, the inquiry in question is XXXX & XXXX XXXX XXXX and the inquiry date is XXXX/XXXX/2018. I asked experian to provide me with the original documentation bearing my signature and they have not provided me with anything. I am contacting the CFPB because I dont know what else to do, EXPERIANs own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they cant provide me with this information then I want this inquiry deleted immediately. The FCRA says that permisible purpose is also needed from me as the consumer.

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 2019-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
We have appealed our real estate tax assessment with the taxing authority in XXXX, GA. That appeal is in process. The appeal places the property in a tax abeyance posture. Nonetheless, LOAN CARE -- the mortgage servicer has made tax payments, over our objections, to the taxing authority creating an escrow shortage. We have sent timely notice to the mortgage servicer advising them of the tax status, and urging them to -- not -- make any payments to the tax authority because we owe no real estate taxes. We have also supported the " no-tax due '' status by supplying letters from the tax authority and the local Superior Court informing that no taxes are currently due, and that the appeal remains active. Despite these numerous communications, the mortgage servicer refuses to apply our correct amount payments to the account, and the mortgage servicer continues to impose erroneous and punitive charges to the account. WE HAVE THE FUNDS TO MAKE THE PAYMENTS as we have continually during this dispute. The mortgage servicer has employed a debt collection law firm to foreclose on our home. We have made contact with the debt collection law firm under the FDCPA, but the debt collection law firm has refused to act, and it continues to move forward with foreclosure actions. The entire organization is conducting itself illegally, to our harm and detriment.

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 2019-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Of the three major credit reporting agencies, only Experian charges $ XXXX/month in order for consumers to lock and unlock their credit file. 

When logging in to their site, consumers are first presented with paid upgrades which you must opt out of, each time you log in. 
When you manage to click through several screens and get to your account page, they warn you that your credit file is unlocked and you're more vulnerable to fraud and ID theft. 
Which you must pay for. 

Given their demonstrated inability to protect the voluminous amounts of private consumer information from which they profit, rewarding them with a monthly premium, in order to add additional protection to your personal information, is unacceptable. 

Freezing your credit file with them is free, but unfreezing has been very problematic and time consuming, XXXX. 

XXXX unfreezing a frozen credit file, their system doesn't recognize the ID pin they issue at the time of the freeze. 

Further, the public information they've used to verify my identity ( used to unfreeze a credit file without a PIN ) can be inaccurate or out of date. 
It's extremely difficult, if not impossible, to contact a human at their company for further action, based on my prior experience. 

In no case should they be allowed to mandate that consumers compensate them with a monthly subscription fee, for their lack of ability to safeguard our personal information, in order to lock and unlock a credit file.

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 2019-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Eagle Financial Services, Inc.
State: KY

Complaint narrative:
got a XXXX dollar loan 13 yrs ago and they just now came after me how do I XXXX them over

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: Everi Payments Inc.
State: IN

Complaint narrative:
Went to 2 casinos. XXXX XXXX and XXXX XXXX. used ATM to remove cash. During the use of the ATM my husband and myself selected checking account to withdraw {$200.00} and during the transaction at the end said this ATM charges a {$4.00} fee do you want to continue. Clicked yes. Then when the charge shows up at the bank they removed the {$200.00} plus the {$4.00} but they also removed {$2.00} for our checking and savings accounts saying that I requested a balance inquiry. This is a pattern for this company and it is fraud on a grand scale. I am looking for and attorney to see about starting a class action law suit. This company is making millions off this scam and say it is in the computer programming of the ATM. The Casinos are aware of it also and do noting to stop it. Pass time the government look into the business dealing on this company ' Saving account : XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$18.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$21.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$23.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} Checking account : XX/XX/2019 Global Cash Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXXWithdrawal at ATM # XXXX - {$200.00} {$5800.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX  Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6000.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXWithdrawal at ATM # XXXX - {$100.00} {$6000.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6100.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$6100.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$6200.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5400.00} XX/XX/2019 XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal at ATM # XXXX - {$100.00} {$5400.00} XX/XX/2019 INQ XXXX XXXX Ac XXXX XXXX XXXX XXXX MI Card XXXX/Withdrawal Foreign ATM Fee - {$2.00} {$5500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These people have no ID, no signature no proof whatsoever. I have been fighting this with them telling them identity theft has occurred but they dont listen or wont listen. Please investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: CO

Complaint narrative:
I called Equifax customer service two weeks ago to permanently unfreeze my credit report and lift lock on my online Equifax account. I answered all the security questions and representative said both tasks have been taken care of. As of today, neither issues have been resolved. My credit report is still frozen and my online account is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: MA

Complaint narrative:
I have disputed two inquiries on my credit report with the data furnisher and the data furnisher replied to me telling me that they were going to send a request to Equifax to have the two inquiries in question deleted from my credit report. This was around two months ago and still the inquiries are being reported on my credit report. I dont know why equifax wont delete these inquiries if the data furnisher is telling them to do so, I have the response from the data furnisher and I will include it in this complaint. The inquiries are XXXX   and inquiry dates are XXXX/XXXX/2018 and XXXX/XXXX/2018.

Company response to consumer: Closed with explanation