vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: SC

Complaint narrative:
I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: NJ

Complaint narrative:
There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I filed a complaint (  XXXX  ) that was not addressed by the company to my satisfaction. The company withheld access to my funds f or 7 business  days costing me {$120.00} in interest expenses. When the initial deposit was made the teller stated that ther e MAY BE  a 2 day hold. They held it for 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Customer service states that a request in credit line increase led to a decrease in credit line when no visible changes t o credit score or rep ort were made. Shortly after the decrease in credit line, account was closed with no notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: TX

Complaint narrative:
sent out a letter and just got a bill no proof of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my Trans Union and XXXX and XXXX credit reports.
<P/>
They said they closed these accounts but they are still reporting on my credit report as of 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 2017-07-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: NY

Complaint narrative:
I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and XXXX and Experian credit reports.
<P/>
They said they closed these accounts but they are still reporting on my credit report as of 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 2017-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: FL

Complaint narrative:
Alltran Financial , LP on behalf of XXXX XXXX XXXX XXXX has been, for the last four weeks contacting two of our tenants located in New York regarding this account. The phone numbers they called were XXXX and XXXX. Alltran repeatedly contacted these two tenants for the last four weeks regarding this account. The last contact was made today XX/XX/XXXX.
<P/>
I contacted Alltran today XX/XX/XXXX and spoke with XXXX who CONFIRMED that yes they were contacting these two numbers because they needed to speak with me.
<P/>
I asked them how they got this information and he stated he did n't know how his company obtained the information.
<P/>
These two people ARE NOT related to me and should not have been contacted in the first place as XXXX XXXX XXXX was notified of our Chapter XXXX filing when we returned the leased vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
My son, an authorized user of my Barclaycard ( XXXX ) account, disputed two fraudulent credit card charges ( {$130.00} and {$73.00} dated XXXX XXXX at XXXX XXXX and XXXX XXXX respectfully ) in the early days of XXXX, I think it was XXXX XXXX. Although my son visited the establishment earlier in the day, he left at XXXX XXXX. Towards the end of XXXX we received two letters from Barclaycard, one requesting additional information and the other denying the dispute. Copies of the card transactions of the disputed charges show neither was signed by him.
<P/>
On XXXX XXXX we responded to the request for additional infomation with a dispute form stating that the transactions were not signed by my son or I. On XXXX XXXX, Barclaycard denied the claim again and will not reopen the case.
<P/>
On Barclaycard 's website it states : Barclaycard provides fraud protection and monitoring on all of our credit cards to ensure the security of customer information. All customers are also covered by our {$0.00} Fraud Liability Protection - which means you will never be held liable for unauthorized transactions.
<P/>
Clearly this has not been the case with our experience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am XXXX years old. I have been in the hospital and XXXX for the past 10 months. I XXXX XXXX XXXX XXXX XXXX and have been away from my home for more than that period of time. I received a bill from Charter Bank for {$50.00} in XXXX 2017. I did not apply for this credit. I have never received or used a credit card from this company. I was in the hospital and my daughter called and was told this was a fee for the line of credit. She explained the situation and was told she needed to send power of attorney to speak with them. She sent it and said it was insufficient they wanted her social security number. she did not provide it to them. She told them that I never ordered this credit. Faxed them the invoice and letter to their fraud department to cancel and remove these charges. They did not respond. Since the first bill two other bills have processed and each time we fax a letter stating I did not request this and to delete the charge and remove this from my name. I feel this is a scam and they are preying on old people all the charges will add up to alot and they will get from my estate if they do n't get it from me. I did not ask for this to be opened at all ... please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX is not reporting on a monthly basis they are behind about a month in reporting my current balance to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My clients property is underwater m y 1st question  is can he do a short sale if he is still making the payment. We have an offer on the property I am attaching all the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I happened to check  XXXX   XXXX  and behold, an account that I had not opened showed up on my credit report. One week after that I was delinquent {$410.00} and now that reflects on my current credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Funding is collecting the debt for my XXXX XXXX XXXX credit card. I have had health issues and unemployment which has put me far behind on repayment. Midland has repeatedly called me, from cell phones with US numbers, to demand payment with the threat to forwarding my account to an attorney for legal action. XX/XX/XXXX, XXXX and XX/XX/XXXX, " XXXX XXXX, '' ( they all use pseudonyms ) was the most aggressive. He called continually, though I explained I was unemployed and was having trouble meeting basic needs and that I could not spare anything to pay toward this debt. I said I would have to pay at least {$25.00} and agree to have the same amount withdrawn from my checking account, the next month as well, or my account would be sent to an attorney. I was told I would be contacted to set up another payment plan after these two payments. I blocked his calls after these payments. XX/XX/XXXX XXXX EDT, I received a call from a XXXX XXXX, CA number and it was " XXXX XXXX  '' from Midland. I had to explain at least 5 times the same situation as explained to XXXX XXXX XXXX XXXX. '' She continued to repeat herself about making a payment. I asked her to call back in a month which she said she could n't promise and that she ca n't control whether or not my account will be forwarded to an attorney. I repeated this back to her that, " if I do n't make a payment, you may forward this on for legal action. '' She stated she did n't say this. Verbatim, no, but it was strongly implied. I called back to get XXXX XXXX XXXX XXXX '' name since I was driving when she called. I was forwarded to " XXXX XXXX, '' who was very conciliatory once I shared my experiences with him and told him I will be filing a complaint. He is some sort of manager. I had asked if either debt forgiveness or reduction was something that could be discussed. He said their company has n't the ability to make those determinations but declined to tell me who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
So I was sent a promotional code to get a capital one card. I got approved for the card. I called to activate my card. I was then transferred to the fraud department. As told to me that thousands of others used that code. However that does n't apply to me what thousands used when I was sent a card. However I was transferred to the manager and all that was needed from me was to show proof of my identification so I scanned and sent my social, and driver license that has proof of my address. So my card was activated. The next day I used my card however I tried to make a purchase yesterday after I got off work and tried to make a small gas purchase my card was declined. I called capital one and it was told to me my account was closed. I spoke with a representative and then ask for a supervisor as told to me from the supervisor there 's nothing no one can do about my account being closed. However the day I was approved for the card I got a hard inquiry on my credit report. I received my cycle date, my payment date, and the ending of the o % interest rate date. I sent in my personal information to verify that it was me that applied for the card. From reading the Credit Card Act of 2009 I think you guys not only broke the law but violated the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
While reviewing a copy of my Experian credit report I noticed a total 5  unauthorized credit inquiries being reported. The companies listed below should n't have been allowed to access my personal credit information or put a credit inquiry on my file because they did not receive any type of authorization from me prior to doing so.
<P/><P/>
XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX - Inquiry date ( XX/XX/XXXX ) XXXX XXXX XXXX - Inquiry date ( XX/XX/XXXX ) I am requesting that the above unauthorized inquiries be removed immediately from my credit file. Again, I did n't authorize anyone employed from any of the above companies to make these inquiries or access my credit report. Please remove the inquiries from my report as pursuant to 15 U.S.C. 1681b Section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. This is a serious breach of my privacy. I have sent letters to the above companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. I have also placed a credit lock on my Experian report which will hopefully help to avoid these type of un-authorized inquiries in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I  needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. <P/>Last 4 digit of my social in next step - once again they should have this information since they are reporting. <P/>I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a payment due  XXXX / XXXX / 2017 . As of  XXXX , I was sent an email that my payment was not received, and logging into their site I see a late fee was applied. I worked with customer service, who said there 's magically no way to reverse the late fee because computers, and that I must 've paid after the cutoff time. Their site allows a choice of date to apply, which I did for that day. Customer service claims I must 've missed the cutoff time, but gives nothing to back up that claim. I contend that I paid it in time, including the cutoff time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I am seeking relief from the Navient Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.

Company response to consumer: Closed with explanation