vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-18 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: NY

Complaint narrative:
I recently asked my cousin to take me off as an authorized user on his XXXX XXXX card. All was fine until I recently got an update on my XXXX XXXX showing creditor companies saying I am still on the account. I called XXXX XXXX as Did my cousin and XXXX XXXX had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other 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: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unknown number called me stating I had a Civil Suit against me. They told me they couldn't give me any info but my court date was set for next week and I had to call an XXXX # to find out what it was for. I called XXXX and they told me to ask for a XXXX XXXX. They said if I didn't show up for court I would have a warrant out for my arrest. I called XXXX XXXX and he told me it was for old over drafted fees from Fifth Third bank from 2014. I told him I hadn't been with Fifth Third in Years and I def never left them owed fees. He said that they had sold him the debt and that XXXX XXXX was suing me. I told him this all sounded very odd and like a scam and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to XXXX, XXXX, and Trans Union to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.

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 2019-03-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a request to Equifax, XXXX, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This company was extremely rude during my communications with them. I'm sure they will say their notes don't reflect this as this is what I was told while attempting to pay this debt and getting the run around while trying to do so. I do not ever have to deal with this type of company as I pay my debts on time. This one, in particular, slipped through the cracks during a divorce if memory serves me and being treated the way this company treated me is uncalled for and extremely unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was 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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my credit report says last update of discharge on my bankruptcy is on XX/XX/XXXX But the discharge date was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: First Data Corporation
State: WV

Complaint narrative:
Telecheck keeps denying my checks on my two checking accounts I hardly ever get an approval and constantly suffer embarrassment and aggravation not being able to get my checks approved on my two checking accounts I want to be able to buy what I need from XXXX or any other telecheck merchant and not have my checks denied I have cleared all outstanding checks but I still get denial after denial and I am fed up with telecheck I need help how can they keep denying me I called telecheck they stated I have no negative information that I shouldnt be having trouble writing checks I want telecheck to fix my file so my checks are NOT DENIED when I need something!

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 2019-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX, then Marketing Director of XXXX XXXX, advised me that he could have my book, XXXX XXXX XXXX XXXX, just published by XXXX, republished outside of the US and distributed to foreign countries, He told me not to tell XXXX. On XX/XX/XXXX, XXXX guided me through the process of using my XXXX credit card ending in XXXX ( now defunct ) to set up a PayPal transfer to XXXX XXXX XXXX for {$5000.00} to cover the cost of printing 1,000 books outside of the US. Then on XX/XX/XXXX XXXX directed me to make 2 payments via PayPal to XXXX for the printing of an additional 1000 books, in the amounts of {$5000.00}. and {$1200.00}. The next day, he instructed me to pay {$300.00} to cover the cost of shipping those books via PayPal to XXXX. I have no evidence whether those books were printed or distributed. Efforts to gain information from XXXX   XXXX XXXX led no where. If they were not published or distributed, I want PayPal to return the {$11000.00}. 

A few weeks later, XXXX XXXX told XXXX and me that he thought he could arrange for me to make a personal appearance on the XXXX XXXX show on XXXX. We greeted that news enthusiastically. On XX/XX/XXXX, XXXX told me that the cost for that appearance would be {$30000.00}. to be paid in three {$10000.00}. installments. I assumed that XXXX was aware of this but I didn't consult with them about it. XXXX instructed me to set up a second PayPal account, using the same XXXX Credit card and then he guided me through the process of arranging for the Transfer of {$10000.00} from that Credit Card through PayPal to XXXX. 

A third scheme was proposed by XXXX XXXX. He wanted to place a full page ad in the XXXX XXXX XXXX for the book, XXXX XXXX XXXX XXXX. When I said the full page ad exceeded the money I had available, he proposed a half page ad for {$10000.00}. When I agreed on XX/XX/XXXX, he walked me through the process of charging {$10000.00}. to my XXXX Credit Card to pay XXXX through PayPal. 

On XX/XX/XXXX, XXXX XXXX said he had secured two possible dates for the XXXX XXXX XXXX and that another payment of {$10000.00} was necessary to secure them. Again, he walked me through the process of charging {$10000.00}. from my XXXX Credit card account to XXXX via PayPal. 

on XX/XX/XXXX XXXX requested another {$1500.00} and assisted me in the transfer via PayPal to XXXX. 

Finally, in XX/XX/XXXX, when XXXX XXXX sought to extract more money from me, I contacted XXXX and charged him with extortion, fraud and misrepresentation. I spoke with XXXX XXXX and her manager, XXXX XXXX. They told me to fill fraud charges with XXXX and to contact PayPal. XXXX initially accepted the XXXX charges and then rescinded their decision since I was a party to the payments. They were uninterested in the fact that I was defrauded and misled. 

I filed a complaint with PayPal but they only had the last several charges listed and nothing happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
.On XX/XX/XXXX of this year, I contacted CapitalOne to find out how they are applying my payments to the 0 % balance transfers that I currently have. 
XXXX ( on XX/XX/XXXX no last name supplied ) and a XXXX ( on XX/XX/XXXX refused to give a last name ), both told me that most of the monies from the payments I made were applied to the 0 % that were due the soonest ( and were the oldest ). 
Yet as I looked over the last 6 statements, I saw that it was not occurring. 
And to complicate matters, CapitalOne admits to, and says corrected, a glich in their balance transfer system. I transferred {$2600.00} on XX/XX/XXXX as a 0 % transfer for 18 months, 3 % fee. Yet their software changed it to 25 % interest, no fee, on {$2600.00}. 
That has been corrected. 
BUT the big problem is that once the {$2600.00} was changed to 0 % ( with 3 % fees applied due XX/XX/XXXX ), all the monies that I sent to CapitalOne were now being applied to the {$2600.00}, not the {$4400.00} that was due to lose 0 % in XX/XX/XXXX. 
For the XXXX statement the amount was {$4400.00}, for XXXX the amount was {$4400.00} and then for XXXX the amount was {$4200.00}. 
Yet the 0 % due XX/XX/XXXX was now at {$950.00}. 
And the 0 % due XX/XX/XXXX is at {$3400.00} I budgeted out every 0 % balance transfer I made, yet the largest and soonest due was not applied the correct funds. 
And they refuse to rectify this problem. And I will have to come up with over {$3000.00} to keep from paying 25 % interest on the original amount of {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/XXXX wrote letter to XXXX regarding an interest charged, and talking to customer service representation who told me they would charge interest on top of interest if not paid that day. 
XX/XX/XXXX received form letter back from them did not answer any of my questions XX/XX/XXXX called again about interest I was charged on a paid off account and was left on hold XX/XX/XXXX called again and was told I was on a fixed loan, which I never signed up for. Would not let me talk to anyone to get my interest money back ; XXXX told me that she would not escalate the call to her boss XXXX. XXXX hung up on me because I begin to ask a lot of questions she could not answer. 
XXXX has some how found a loop hole to charge the interest to people by changing the due date and cycle dates so that interest. 
As a customer this is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/18 On reviewing my checking account I noticed a check had been altered from {$230.00} to {$1200.00}. Reported the discrepancy to Citizen '' s bank immediately! They started a claim # XXXX. Despite numerous followups I have been unable to resolve the difference. The claim # was subsequently changed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
The property taxes for 2 of the 3 lots covered under the mortgage haven't been paid. They were due in XXXX, and even after several calls about the matter, nothing has been done. I have not even received a return call on the matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am a military unit commander. On XXXX XX/XX/2019, I received a complaint from XXXX XXXX XXXX that a member of my unit failed to pay an amount owed. I receive these letters, containing private financial information, on a regular basis. This is a blatant violation of the law and is still allowed due to DOD Financial Management Regulation Volume 7A, Paragraph 430505, as stated in their letters. 

Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2019-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, as the result of poor service and poor information from my personal accounts manager, I decided to rollover my IRAs ( traditional, XXXX, XXXX ) from the XXXX XXXX, XXXX XXXX, New York branch of Chase to another bank in XXXX XXXX  ( XXXX ). 

Three checks were given to me without guidance or information. When I brought the checks to XXXX XXXX  in XXXX XXXX, I was advised by the banker there that IRS rules permit only one rollover per year ( with a hefty penalty for any other rollovers executed that year ). 

At that point, because the three accounts at Chase had been cancelled, I only had one option : to roll over one of the accounts and to effect a trustee-to-trustee transfer for the remaining two retirement accounts, which Chase executed on XX/XX/XXXX. 

At that point, I was charged {$560.00}. ( penalties incurred because the two transferred accounts had been in long-term cds ). I had been encouraged years ago at Chase to place the accounts in long-term cds and was told that at my age ( I am now XXXX years old ), I would not be penalized if I removed the funds. I now understand that the rules about rollovers changed some years ago. 

Because of poor advice ( actually no advice ) at Chase, I found myself in the position of being charged {$560.00}. for the incompetence and, I, suspect, indifference at the hands of Chase employees. 

I have spoken and/ or written to various people at Chase : the bank manager in XXXX XXXX , New York ( letter sent XX/XX/XXXX ), a vice president in Retirement Services ( letter sent XX/XX/XXXX, and the Complaints Department ( letter sent sometime in XXXX ). The bank manager said she had sent my letter of complaint to her supervisor. 

Thus far, I have not received any answers from any of those I have contacted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I called Capital One on XX/XX/2019 to see if it was possible to have 2 of the hard inquires removed from my credit score. The representative got me over to a specialist who then stated that they were unable to remove any inquires and that I should get in contact with CFPB for further instructions. I gave the CFPB a call and was notified that they are unable to remove them as well and that the only option I have is to wait up until 2 years for them to be removed or file a complaint. The hard inquiry did come from me applying for a credit card to improve my credit score -- however the inquiry is affecting my credit score negatively. My score is significantly low from me making poor decisions when I was younger and I am trying all that I can to pick up that slack to maintain a decent credit score and be able to do some of the things I would like without having to be constantly reminded of how low my credit score is. I was wondering if there is any way that 1 or 2 of the hard inquires from Capital One can be removed from my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18 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: KY

Complaint narrative:
Various information and accounts are fraudulant, opened by someone other than myself. Identity was stolen and they keep telling me the debt is mine even though my ssn was stolen

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 2019-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
In XXXX XXXX ; we sent Quicken Loans a check in the amount of {$120.00} to be put into our ESCROW account in anticipation of the ever increasing premiums for hazard insurance which would come due again in XXXX of XXXX. In XX/XX/XXXX, sometime ; a QL rep called to tell us that we had too much money in escrow and did we want her to send us a check for the excess. We told her no that we wanted the money to stay in the escrow account until the annual analysis done in XX/XX/XXXX. She told us that the money would then stay in the account. Along in early XX/XX/XXXX ; we get a call from a QL rep telling us that they were sending us a check for excess funds in our escrow account as determined by the recent escrow analysis just completed. When we told her that we did not want the funds, as we wanted them to be in the escrow account for the XX/XX/XXXX hazard insurance premium payment just in case the increase was way above a reasonably anticipated increase just like we saw in the previous year. Since we are on social security, we have to make budgetary adjustments in more modest increments so we wanted things covered in advance. 
Too late, the check was on its way ; but, we could send it back ( after cashing and depositing it in our checking account then taking a chance that QL would loose it on their end like they did the year prior ). Or, worse yet ; she told us that once we deposited the check we could call them and they would  electronically take the funds out of our account ( yeh, right ... .no visibility on our end as to where the money goes or how much ( fat finger mistakes ) until we get our bank 's statement ... .no thank you. So, we just sent the paperwork containing the unscheduled analysis and attached check back to QL. Now, through one XXXX XXXX, Client Relations Team Leader, Quicken Loans Executive Office, Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX ; they come clean that some mope decided to reschedule our annual once a year escrow analysis from XXXX to XXXX ; but, since that would have made thirteen months between analyses, they jammed this one in XXXX which of course showed no need for additional funds since the hazard insurance premium had not been billed as yet. But, we did not know what the heck was going on from what we last knew.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX I received convenience checks from Chase to get 0 % until XX/XX/2020 so I needed to pay off a bill with the green sky so I wanted to increase my credit limit from $ XXXX {$10000.00} .. I called and they approved my credit increase it was excepted through my statements and my digital app! ..after I used the check to XXXX XXXX XXXX  XXXX A month later chase dropped my Credit line back down to {$7700.00} saying it wasnt approved properly. after I paid the amount now I am over my credit limit and my credit score took 100 point drop.. my credit score was good like a XXXX and now is like XXXX they told me that I would have to reapply which doesnt make any sense because my credit score is already ruined also they did a hard inquiry to approve the increase which means if I reapply that would be too hard inquiries which is also damaging to your credit report XXXX I tried calling and nobody could resolve my issue saying that I would just have to reapply I dont understand why I should be penalized for something somebody did or didnt do from Chase ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: GA

Complaint narrative:
filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with XXXX today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit. 

I have attached a copy of the first and second response from 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