vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In late XX/XX/2018 US Bank sent me an escrow overage check for {$4300.00}, then raised my payment {$43.00} from {$3500.00} to {$3500.00}. On XXXX I sent US Bank a check for {$530.00} with instruction ( attached ) to deposit to my escrow to cover anticipated increases in taxes or insurance. In XX/XX/2018 I received a letter ( attached ) from US Bank acknowledging the deposit to escrow but ignoring my request to return my payment to the former amount. I also received a monthly billing statement for Total Amount Due {$3500.00}. I then called US Bank and asked them to take another look at my letter which they admitted was scanned into their computer and reduce my payment to the former auto debit amount of {$3500.00}. I continue to get monthly statements for the Total Amount Due {$3500.00}, the latest due for XXXX. They have again ignored my requests.

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 2018-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I paid off my car loan on XX/XX/2018 and am in the process of buying a house. I am set to close on my house today XX/XX/XXXX and tried calling the bank last week to get a letter showing that my loan was paid in full. The customer service rep told me that it could take XXXX days and they could only fax. I was OK with that because i still had a week to close. One day before closing i still did not receive the letter and i called at least 15 times to get this letter because i had to close on the house the next day. They told me i would have it before XXXX. At XXXX i decided to call because i still did not have the letter. I waited and waited and was told that i would have it by XXXX. I told them i would wait on hold until the fax was received. They let me hold. At XXXX they came back on and told me the department was closed. I was now out of luck and could not close and had to pay a penalty to the seller for not closing on time.

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 2018-08-21 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: NC

Complaint narrative:
I have a collections on my report from XXXX XXXX. This collection has been paid in full and XXXX XXXX SAID they contacted the bureaus to delete from my file. And it is still there. I would like it removed immediately and my score to gain back the points that was taken from me for the collection.

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 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I have a collections on my report from IC SYSTEMS. This collection has been paid in full and IC SYSTEMS SAID they would contact the bureaus XXXX and XXXX and have it deleted. It has not been deleted. I know it does not take 30-60 days to submit this request. Because it didnt take that long to put it on my report. I want this remove immediately. It is messing up my 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 2018-08-21 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: NM

Complaint narrative:
XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.

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 2018-08-21 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: NM

Complaint narrative:
XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: NM

Complaint narrative:
XXXX servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.

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 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My Chase XXXX card was declined while using the card to make a transaction in XXXX in XXXX. 
I called Chase momentarily to request removal of the hold and was able to speak to the security team. 
They assured me that the hold was removed and I was able to use the card. 
Immediately after getting off the phone, the card was declined again. 
For the following next week, the card was declined for other transactions in XXXX, XXXX, and Colorado. 
After the trip, I called Chase to understand the situation and to get my card activated. 
They were not able to tell me why my card was still declined after speaking to security team. 
I requested that Chase refund the card annual fee for current year or the fee waived for the coming year. Chase said they are not able to do either option.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
To make a very long story short, I applied for the XXXX XXXX XXXX XXXX program back in early XXXX. I waited nearly 6 months before I heard back from them and when I did, I was told that I had XXXX more years of payments to make when I should have only had another year. I asked them to review their info and in XXXX of XXXX, I heard from them and nothing had changed ( they had my consolidation date incorrect and they said that whole years that I was making payments didn't qualify even though I have always been on the XXXX plan and have never changed ). In XXXX of XXXX, I submitted the documentation ( XXXX pieces of paper ) that showed that their info was incorrect. I called back in XXXX to see if there was any change. I was told to call back in XXXX. I just called today, XX/XX/XXXX, and I was told that they were really backed up and that it might take until the SPRING OF XXXX before a decision is made. Meanwhile, I will be making payments that I should not have to make since my loans should be forgiven in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ADD MY PHONE NUMBER TO MY FRAUD ALERT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
In XXXX of XXXX I entered a payment arrangement with this company for medical debt for my child. In XXXX of XXXX I agreed to pay the amount in full and was told it would be removed from my credit. Since then I have been getting monthly notifications that this company has been reporting a collection to my credit report with a {$0.00} balance which is significantly hurting my credit. 

On XX/XX/XXXX I called to see what can be done about it. The gal I spoke to said too bad and they almost took legal action on me a year ago so shes going to keep reporting it. I told her thats really uncalled for and not sure how she sleeps at night with that intent. She responded I sleep very well. 

I worked to pay this creditor off and am still suffering the consequences as if Ive never paid them. They are rude, inconsiderate and quite crass. 

This company is Budget Control Services in XXXX, Colorado. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This is not my debt. The Collection Agency did not provide " bill of sale '' and date of first delinquency. The most important thing is the original creditor did not even show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
I have disputed discover card for years. Fraudulent charges were applied to this account when card was stolen over 5 years ago. I always paid my account on time until I became aware of the fraudulent charges. I'm very dissapointed that Discover continues to report this negative charge off simply because I refuse to continue paying on a a card with charges I don't owe. I disputed with the credit bureaus and sent my FTC identity theft report ' The account status should be closed due to card being stolen or lost and the charges after the theft should be removed from my liability. I'm disputing this account as fraud and while it is being disputed internally this account should be temporarily blocked from my file until Discover makes the necessary adjustments/corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length.

That account # XXXX i did not give permission for Experian to do this change.

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it.

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on 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 explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.

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 2018-08-21 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: FL

Complaint narrative:
Submitted a " dispute request '' concerning XXXX XXXX XXXX XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). XXXX XXXX XXXX XXXX remains on 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 explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Received notice from Convergent stating I owe a debt in the amount of {$520.00} I have mailed a letter to the company XX/XX/2018 stating this debt was due to identity theft and does not belong to me. I have received repeated attempts to collect this debt after sending letter asking agency to stop.

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 2018-08-21 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: NY

Complaint narrative:
I have an account with Bank of America which I opened my account XX/XX/XXXX I have made all my payments on time Including XX/XX/XXXX. It seems to have been a mail room issue and it didn't post on time at no fault of my own. I have tried requesting paperwork from Bank of America to show me when the date this payment posted. First they report the wrong address on to the bureaus and when I did send to the correct address they failed to respond.

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 2018-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX without my knowledge and consent removed or deleted a closed Capital One credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

This accounts needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
when checking my credit score XX/XX/XXXX. I noticed my credit score with XXXX had dropped 22 points. After careful review of my credit file. I saw that XXXX  and XXXX  were both reporting a decrease in my credit limit for my Synchrony XXXX XXXX  account. I also noticed that only the XXXX   score changed. I reached out to Synchrony and was told a letter was sent to me XX/XX/XXXX explaining why my credit limit was reduced. A manager for Synchrony accessed a digital copy of the letter and explained the decision was made based on derogatory information submitted by XXXX in XX/XX/XXXX of  this year.

When I made my purchase in XX/XX/XXXX, Synchrony ran my report and made me an offer of credit based on my current credit status. I accepted the {$2500.00} limit in good faith. I made all payments with the exception of one on time. When I look at my credit score trajectory since XX/XX/XXXX, it shows an upward trajectory with the only dip coming this month when Synchrony lowered my limit. I speaking to one of the agents this decision is based on an automated computer program that could possibly have flaws. Based on this information and the positive trajectory of my credit score, I am disagreeing with Synchrony 's decision to lower my limit as it has had a negative affect on my credit score.

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 2018-08-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On XX/XX/2018 I received a voice message from debt collector but on my phone their said case has been filed in XXXX County and other phone call to my wife and ex-wife both received calls over child custody case has been filed in XXXX County and to reference this case number when calling. I called number on XX/XX/2018 at XXXX in the XXXX. The person pickup and says my file has been locked and they needed information to unlock it and then proceed to say I owe Ace Cash Express I need to pay before they filed but on voice message they made threats and that person who called yesterday making the threats they did not know who they were I need to take care of this matter. The number called my cell unknown and the number on voice message was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I traveled with a friend to XXXX and XXXX  in late XX/XX/2018 and stayed at an XXXX apartment in XXXX XXXX ( 4 nights booked ) and at an apartment in XXXX, XXXX ( 5 nights booked ), and I paid for the entire expense on my Chase credit card, which carries trip interruption insurance benefits. My friend reimbursed me for half the lodging expense, as we were splitting the cost of lodging 50/50.

Two days into the trip, I received word that my mother had suffered a XXXX and was in XXXX XXXX in a XXXX hospital. I rushed back from XXXX  to XXXX ( where I live ). I used only two nights lodging at XXXX XXXX and none of the lodging in XXXX XXXX.

I reviewed the Guide to Benefits published by Chase for my credit card and qualified under the criteria for a trip interruption claim. I claimed half of my expenses for the unused portion of my lodging ( i.e., I made a claim for half the expenses of two nights ' lodging lost in XXXX and half of 5 nights ' lodging in XXXX ).

Chase Card Benefits denied my claim, stating that because my travel companion used the lodging, I was not entitled to reimbursement of my share of the expenses. They cited a provision in their plan of benefits stating that Chase would " reimburse for the unused non-refundable land, air and/or sea arrangements, '' stating that because someone in my party used the lodging, they could not reimburse my claim.

I was the insured, a qualifying event caused my trip interruption, and my portion of the apartment that i paid for was " unused '' by me, the insured There is nothing in the Chase Guide of Benefits that imposes an additional requirement on me to prove that no one in my travel party used their portion of the shared accommodation. Chase has denied my insurance coverage in bad faith by imposing additional conditions to my making a claim that are not included in their Guide to Benefits.

Company response to consumer: Closed with explanation