vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I ordered a credit report from TransUnion for {$19.00}. I thought I was making a one-time purchase of a report, but was instead enrolled in an ongoing monitoring program charging me {$19.00} per month. Since XXXX, I have received several " update '' emails about changes to me credit report, but no bills, statements, or other indications that I had an ongoing subscription with TransUnion. I have therefore been paying {$19.00} per month from XX/XX/XXXX until today XX/XX/XXXX. I called TransUnion to dispute the charge. They refused to refund the ongoing charge, but agreed to terminate the subscription immediately. 

I believe the lack of regular notices about the recurring charge is an underhanded way to keep people inadvertently subscribed to the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Walmart Store Card Payment showing a 'Processed ' 1/4, but last payment not reflected in data and applied to Balance Filing Complaint with Walmart but real problem is Synchrony Bank which have encountered with other retailers they act a card service provider. 

This is very deceiving, misleading and can result in duplicate payments being scheduled and delays being reflected in Balance on account. Money has already been pulled from my financial institution,

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 2019-01-06 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: MI

Complaint narrative:
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called TransUnion I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX  credit rating are still there but my rating was XXXX. 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 explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Mortgage Issue : Trouble during payment process Please see my initial complaint information above. 

This complaint has NOT been resolved. Now the company is sending me letters warning that I am late with my payments. I tried calling the number and person who responded to my complaint however, they did not answer so I left a message. This company has some serious communication issues. Additionally, they have very shady practices in applying payments and charging astronomical prices to service the mortgage. I am requesting that you look into their mortgage loan practices. This company bought out my loan and ever since they started servicing my loan, I have had problems. 

They do not apply the payments I make and then charge me fees that I do not understand. When I have called to tell them to apply my payment, they have ignored my attempts. They continue to send me bills and call me daily. They sent me a letter to state that they would stop payment on the checks that sent me and apply those payments to my account however, I would still owed {$1700.00}. I called the number they had in the letter ( no answer ) but left a message to stop payment on those checks and sent {$2000.00} to make sure I covered the amount. 

Today I received a letter stating that my account was in arrears and they would start collection. I don't know what will resolve this issue since any attempt to communicate is thwarted by answer machines or being placed on eternal hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: TX

Complaint narrative:
I was approved for the XXXX XXXX American Express credit card which had a bonus of XXXX reward points with {$5000.00} in purchases within first 3 months. I called up the number of my card and verified that buying Amex gift cards would allow me. So I purchased {$5000.00} gift card. 

The Amex representative in early XXXX again confirmed that I will be receiving XXXX in points within 4-6 weeks and now they are declining and saying I am not eligible for the points! 

Investigation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
While browsing for an engagement ring on XX/XX/2018, I entered the XXXX XXXX store located on the XXXX XXXX XXXX in XXXX XXXX, MO. The sales representatives in the store mentioned an ongoing limited offer which provided for 0 % financing over 18 months on purchases. I stated that this is something I may be interested in, and they proceeded to request personal information for a " credit check '' to see if I would qualify for the financing and what my credit limit would be should I decide to purchase from them and elect the financing option. Even as I vocally hesitated that I was not sure that I even wanted to purchase anything from them and thus was uncomfortable providing my social security number, the sales representatives assured me that the credit check would not bind me to anything and it was primarily used to see a spending limit as I shop for diamonds. All of this took place before the jeweler brought out any potential diamonds to look at, so it felt as though this was a prerequisite to begin actually shopping at this store. I proceeded to enter my information, and they quickly ran a check and alerted me to how much financing I was qualified for. Eventually, I did not end up purchasing anything from XXXX at all. Over a week later, I received a XXXX Preferred Credit Card in the mail, which was the first time I was alerted that a credit card had been opened in my name. While in the store, there was no firm mention of opening a credit card, there was no purchase made that would require credit financing, there was no manifestation on my part of a willingness or desire to open a credit card through XXXX or Capital One, and there was no clear indication at any point that my entering of my personal information would lead to the opening of a XXXX credit card account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-06 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used my card to purchase a few pieces of clothing from a website XXXX for {$51.00}. Shortly after the purchase an email was sent stating items shipped. There was a broken link and no tracking number. When I went to the site it was shut down and I never received items. Citibank claims they got a response to my claim for the charges with 1 line of text just describing the order. No tracking information provided for proof of shipping. They are not refunding the money to me and dragging their feet to go after the scammers.

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 2019-01-06 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: MI

Complaint narrative:
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX  I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: MI

Complaint narrative:
On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. 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 explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for a wells fargo credit card on XX/XX/XXXX in the branch and I was immediatly approved for a business card. I planned on making two very large purchases this week for XXXX and XXXX respectively on the card so that I could get their sign up offer of XXXX $ rebate afyer spending XXXX. 

Wells fargo shipped the credit card to my old address on file rather than the address I gave them during my application. They actually sent my debit card to the correct address they just mailed all of the credit card stuff to the wrong address. 

What makes this even more frustrating is that they also activated the card for me somehow without it being in my posession. So the 90 day clock to spend XXXX has already started ticking since the card has been activated without me even putting my hands on it. 

This is negligent. I only gave them one address when I applied for the card, and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. They sent the debit card to this address, then sent everything else tl 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 2019-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To whom it may concern : I have been trying to save my home and to get approved for loan modification since XX/XX/XXXX. Originally I was dealing with Nationstar mortgage ( servicer ) who approved me for HAMP with a payment of {$2400.00} Payment for a trial period on XX/XX/XXXX. They then did not honor this approval. I have had a HAMP underwriter review my application, income etc, and was told that I should be approved. I also dealt with HAMP Admin when HAMP was still available. I have been getting the runaround since. Applied multiple times after being told by Nationstar and Mr. Cooper that they were willing to work with me and based on the income, that I should receive a modification. After numerous attempts of failed communication, false promises, and Servicer delays, I was forced to file bankruptcy in XX/XX/XXXX. 

While in bankruptcy court, the current lender Mr. Cooper 's attorney and a representative from Mr. Cooper spoke to me and told me that Mr. Cooper will be willing to work with me on loan modification once again. I since went to court had asked the judge to cancel the bankruptcy after I had already met with trustee and creditors and planned on moving forward with the bankruptcy, due to Mr. Cooper representative and their attorney stating that they would work with me. Once they the bankruptcy court canceled my bankruptcy, Mr. Cooper changed their position and stated that they will not even look at a modification application on multiple occasions. 

Their attorney only extends the sale for 30 days each time which causes Mr. Cooper to continually deny accepting my packages saying they do not have enough time to review the loan modification package. 

I, my wife, and my son are all now working and can afford to pay a reasonable payment, however, Mr. Cooper refuses to honor what they have stated. I am at my wit 's end and do not know what else to do to. I do not want my wife and I and my XXXX children to lose our home. We greatly appreciate all your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 a negative remark was placed onto my credit profile. XXXX XXXX XXXX  XXXX sent a medical bill debt to collections which i did not know i owed, nor i ever recieved a letter from XXXX XXXX XXXX XXXX stating i had a debt to pay ( {$220.00} ). They also did not call or inform me in any way that they sent my debt to a collection agency called XXXX XXXX XXXX. I realized i had this debt in collections when i tried applying for a mortgage loan, i was turned down because of negative remark on my credit profile which is affecting me in a very bad way. I looked up my credit profile and found negative remark on my profile, i contacted original issuer and they denied in trying to help me in any way.I also contacted XXXX XXXX XXXX and they did not assist me with my troubles and negative remark on credit profile. I was also not aware that original debt sold my contract onto a collection agency which they need a signature of my behalf to do so in the first place and is illegal to impact my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
My name is XXXX XXXX. I have made several complaints against this bank about their discriminatory practices in which I have requested they train their staff in treating other person of other races in spite of their national origin and accent the same way as they treat Americans. I am a naturalized American but I am an American in name but in reality with this bank I am treated differently.

I called this bank on XX/XX/18 to make a transfer on my account from my experience and in my discussion with other friends of mine that are Americans. To speak to a representative after you put in your account number and your pin through the automated system all the representative has to do is ask you your name and do whatever transaction you want to do. The call I made to this bank was around XXXX and XXXX XXXX on the XX/XX/XXXX. I think if I can remember I spoke to one XXXX she asked me my name and I provide that and she wanted to further ask other questions which I refused. I requested to speak to a manager who I think her name is XX/XX/XXXX who said what the representative did was right and she could ask further questions apart from my name. I think they are applying standards higher for me which they do not do to Americans and I know it is because of my accent and national origin. I think this discriminatory practices should be checked and same standards should be applied to every body regardless of nation origin and accent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 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: CA

Complaint narrative:
XXXX XXXX XXXX card account keeps appearing on my credit report I disputed it's removed there it is again reported in a different number sometimes I become an authorized user sometimes it becomes an individual account sometimes it becomes someone else 's account sometime it becomes stolen or lost card it is completely making my credit score fluctuate

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 2019-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX 's XXXX XXXX, underwriter Wells Fargo refuses to increase the credit limit to a much higher amount. Monthly required payment has never been late. Account has been opened for over a year. Each month, more than the required payment has been made on the account.

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 2019-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have an unauthorized charge in the amount of {$190.00} XX/XX/XXXX on my PayPal account. I reported this immediately to PayPal and expected that they would resolve the issue, as they advertise : Report it within 60 days of when it appeared on your statement and if unauthorized transactions are eligible, you wont be held liable. 

The unauthorized charge was from a merchant where I had cancelled a free trial in writing on XX/XX/XXXX and advised PayPal of this. PayPal concluded that it was an unauthorized transaction in part of their correspondence, but then they state that I am on my own to try to recoup my money ( which was charged through PayPal Credit ) from the merchant. 

Please help me resolve this issue and correct PayPals misleading claim of zero liability for unauthorized charges.

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 2019-01-06 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I submitted disputes via equifax.com and after receiving emails stating they have been completed, I am no longer able to access any information about my credit. I receive notices claiming my information doesnt match theirs so i can not access my account. A month ago i contacted Equifax via telephone and they ( in very broken english ) claimed their dispute program wasnt currently working. I STILL cant access my information at all. I feel like a victim of their scam. The other two reporting agencies allow me access just fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery is trying to recover a credit card debit when the Statute of Limitations has expired in Tennessee. Also the debit was discharged in a bankruptcy. I have told the company to stop calling me at least 5 times. I explained them the SOL in TN and the refuse to stop harassing me. Also they are in violation because they are concealing their identity when they call. They have called me more than 20 times that I have documented. All the calls are from different phone numbers that are not listed. This is a violation of the FDCPA. They have even called me from a phone number that is close to my own cell phone number. I do not owe this debt and I am being harassed from this company! I have added only 2 screenshots of comcealed identity phone numbers they are using.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My student loan is currently with Navient and I have field 2 previous complaints for past dues fees when I was making my payments on time. This month I finally get a statement with no past due charges but my monthly payment when my {$390.00} to {$410.00} with no explanation as to why. This company is dishonest but I also believe these complaints will resolve nothing since you close them out based on the answer you get from Navient. This company has multiple lawsuits filed against but they are allowed to manages student loans and O would like an answer from you as to why.

Company response to consumer: Closed with explanation