vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2013, XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded 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 2018-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
I see a Debt added to my account for {$730.00}, opened XX/XX/2015. I have yet to receive in validity on the debt. When I reach out to someone the customer service reps acts as If no information can be given. I have disputed the debt because I have no knowledge of the debt, and yet still no validity of the debt has been sent so that I can take action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: NY

Complaint narrative:
Today my direct deposit XX/XX/XXXX didnt come Im worried my other paycheck for the new job I started will not make it in time. XX/XX/XXXX called no eta on when my money will arrive

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted two applications with Chase Bank for XXXX branded credit cards. ( One business, one personal ). 
I read the terms and conditions which included XXXX XXXX points for as a welcome bonus for each card. After submitting the applications I received an email stating that my applications had been received. Chase then changed the terms and conditions and claimed that I did not meet the new terms and conditions for the welcome bonus. They suggested I submit proof showing my application was submitted on XX/XX/XXXX which I did ( I sent the emails I recieved from Chase with time stamps ). Chase then claimed my application came in over 24 hours later and says they have no record, and can not pull up the emails in question. They have advised me that I can get the cards without the welcome bonus. 
This is bait and switch and an unfair business practice. 

XX/XX/XXXX Submitted application First week of XXXX - called customer service twice XX/XX/XXXX Submitted proof of application date and time. Was told I would be contacted within 7 business days XX/XX/XXXX No response so I submitted another message asking when I would be contacted. Recieved another message saying I would be contacted in 7 business days XXXX Received message to call customer service XXXX Talked with customer service. Call escalated. Was told I would receive a call back. 
XXXX Received call. No resolution so call was was escalated. Told I'd receive call in 24-48 hours XXXX missed call from Chase. Called back immediately. Supervisor could not talk. 
XXXX spoke with Chase. Said they'd look into it an respond in 24-48 hours. 
XX/XX/XXXX Final call from Chase. No resolution offered. Claims there is no way to look up emails that were sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express bank owner of Bluebird prepaid card has been withholding my direct deposit that was sent on XX/XX/2018 for {$1300.00} stating that they are having technical issues but can not provide an eta as to when it will be resolved. I have not had access to my paycheck which has made bills and rent late and they are still not assisting customers with a resolution. I have been lied to and hung up on when requesting a supervisor as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Dear CFPB, Our mortgage loan is held by a company called Select Portfolio Servicing ( SPS ). We fell behind on our payments this year after I lost my job, and we are ( technically ) in default. We attempted to obtain a loan modification from SPS, but they refused to work with us, not willing to make any compromises on our previous predatory loan terms.

Earlier this year, a wind storm damaged our roof beyond repair. We took out a construction loan to replace our roof, and we also filled a claim with our XXXX XXXX homeowners insurance. Of the {$6100.00} XXXX XXXX allocated to replace our roof, our insurance coverage paid {$4300.00} with three separate checks. On XX/XX/XXXX, my wife and I both endorsed these checks and sent them to XXXX ( Hazard Insurance Claim Dept. for SPS ) along with all the other ( extensive ) documentation that SPS request concerning the roof replacement. 

In the meantime, we paid our roofing company the entire cost of the roof replacement from our roofing construction loan. Now SPS refuses to release the {$4300.00} in insurance remittances we sent to them nearly 3 weeks ago. Every time we call these guys to get our money, they come up with a new ( creative ) excuse why they can't release these funds.

We have another claim for interior damage for which we have yet to hire a new contractor, and we are worried how we will pay this new contractor when SPS deliberately delays the return of our insurance reimbursements. How are we supposed to pay our contractors with SPS sitting on our insurance money for such an extended period of time? 

Sincerely, XXXX & XXXX 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 2018-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was stunned once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment. 

I don't have any record of being 30 days past due XX/XX/XXXX and 30 days past due XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 2018-10-16 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: MS

Complaint narrative:
I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).

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 2018-10-16 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: MS

Complaint narrative:
I submitted disputes of errors on my credit report and included notarized drivers license and proof of residency to remove fraudulent address and unverified and inaccurate information showing on my credit report, namely XXXX. The following has not been validated according to the fair credit reporting act 623 ( a ) ( 3 ).

According to the FTC opinion letter, regarding the type of validation required by section 809 ( b ) of the Fair Debt Collection Practices Act, an itemized statement of services rendered, requires the information from the Original Creditor. Meaning the name of the original credit grantor as reflected in the K1 Segment in Metro 2 and should be consistent with the Credit Reporting Resource Guide., therefore provide me with the name, address and telephone numbers of anyone from the original creditor you contacted concerning the unverified and inaccurate accounts and addresses listed below per the FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Back in XX/XX/2018 my husband and I went to participate in a timeshare presentation where we believed to be signing up for an honorable service. At the conclusion of the process, in order to qualify for the program we applied for a credit card through Barclay 's to cover the initial payment. After our interactions, we found that I was approved and he was denied. After a couple weeks, we never received the credit card and the promise of a very luxurious vacation. We were given 30 days to sign up for the luxurious vacation and experienced extreme delays and contacted XXXX several times about the vacation. Once the 30 days lapsed we no longer found the firm to be reputable and felt we were victims of a deceptive act in order to get us binded into the contract which has many contradictions. We contacted Barclays and declined to make any payments as a result of the above interactions. Barclay 's  promised to do an investigation and sent various letters however never got back to us about our concerns with a resolution to cease the contract and void payments. They posted to my credit report as well as to my husband 's ( who was denied ) and as of Tuesday, XX/XX/XXXX Barclay 's posted a past due on my credit report. 

We contacted XXXX a few days ago who stated they were coming up with a " resolution '' which for us is to be removed from all communications, cancel of the contract and removal from our credit reports.

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 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: TX

Complaint narrative:
I've disputed this twice and I believe that whomever is working the dispute is not paying enough attention to the dates and what I am requesting. Yes they have helped me with some and thank them very much because some information has already been fixed. From XXXX through XX/XX/XXXX it shows my loans were current and in good standing. What I don't understand is how does it go to 60 days in XX/XX/XXXX if they are current in XXXX? The same goes for XXXX and XX/XX/XXXX shows current but XX/XX/XXXX shows 60 days late then XXXX shows 120.  How is this possible if they are current one month then go 2 months late? Someone please read this accordingly and assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
XXXX XXXX charged a late charge. I had no idea anything was late and was not contacted. I contacted XXXX and they agreed to waive but instead marked my account past 30 days for a late fee. I have disputed this several times and it is still there marked past 30 days on XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: PA

Complaint narrative:
In XX/XX/2018 I utilized a 0 % APR offer for a balance transfer which would last for 12 months. Prior to this I had not had any issue with my balance being paid, and had not accrued any interest. However, after the balance transfer had posted, although I had paid more than the amount of my purchases ( which the excess should have been used to reduce my balance transfer amount ) I began to see two things : First, interest charges in the month of XXXX and XXXX, and I now see a running interest balance that will be charged for XXXX. Second, my balance transfer amount has not gone down in the amount that I have paid the company. Attached are the documentation of my conversation with the company, billing statements ( which reflect payments as well ), and the initial acceptance email of the 0 % APR offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On the XX/XX/XXXX, I made a transaction with a seller without me knowing that he was trying to scam me. I sent him {$210.00} through paypal with their goods and services transaction and he wanted me to confirm the receipt with basically says that I received the item so that I would lose my protection of my money even though I hadn't received the item yet. I immediately felt uneasy about the whole transaction and filed for a dispute. At the time, he did not have any tracking info on but when I filed the dispute, he put old/fake tracking info in to bypass the system into thinking he shipped it. This caused paypal to side with my seller and me not being able to file another dispute after the fact. I have the tracking info and if you look at it, they're old dates and not even being shipped to the address that's listed in our transaction on paypal. 

XXXX XXXX XXXX ( XXXX chat logs ) XXXX XXXX XXXX He is also on a banlist for previous scams hes done. He seems to use one user to lure you into thinking he's legit then using a different one to do the scam. 

Use XXXX on this site (XX/XX/XXXX ) and you'll see that the dates on there are completely off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 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: TX

Complaint narrative:
The Bureau has failed with the following : NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 

Experian has stated they have verified a past due with XXXX XXXX XXXX. In fact I received a letter from XXXX XXXX XXXX whereas they have also failed to provide me adequate proof of any late payments on my account. 

Experian has failed to remove this inaccurate information.

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 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
The company I work for, XXXX XXXX XXXX XXXX XXXX, based in XXXX, NJ, sent via ACH a direct deposit in the amount of {$1200.00} from our company bank to my American Express Bluebird checking account on XX/XX/2018 at approximately XXXX XXXX The funds should have been available on Monday XX/XX/2018 XXXX the next day has always been customary with these types of transactions in the past ). It is now nearly XXXXXXXX XXXX on XX/XX/2018 and not only are the funds not available, but American Express, who has acknowledged the funds are there states that " your funds are safe '' and they are working with their partners to resolve the situation. They acknowledge " an interruption to direct deposits affecting Personal Savings,  Bluebird, and Serve customers ''. I need MY money ASAP - I have bills to pay. American Express being sorry for any inconvenience this may cause is not paying my bills. Please look into this immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: TX

Complaint narrative:
Started in XXXX, tried to make a payment they had it preset to pay the full amount. So i had to cancel with bank. It made me late in which i called monday to make an immediate payment. I paid it then the following month it showed a late charge, i chatted with someon who said they would fix it, however the following month i had another charge. I then spoke with discover executives who had me speak to a young man in which i had the email showing my bill from discover was only XXXX He would never respond and noone called me back. I then made a complaint with XXXX 2 times, i have since paid another XXXX only to be told i have another late fee. I tried calling XXXX XXXX but she NEVER returns my calls. But they keep sending me late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX has been calling my family members, including my grandmother, uncle, and my uncles ex-wife, multiple times trying to get information about me, even though they have my address and phone number and I have talked to them several times. In the times Ive called, Ive asked them to please stop contacting my family members ; their response : we are allowed to contact anyone we want in order to get in contact with you. It doesnt make sense and is illegal to contact others if they have my information and are in contact with me. They keep calling my family members, telling them details including the fact that I have a credit card with XXXX XXXX that is in collections and they threaten me with legal action if my family members dont pay or provide information about me. They tell my family members to tell me I am going to be in legal trouble if I dont call. Ive called them several times to tell them I am unable to pay! Yet they still harass my family members. It needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Bluebird and Serve customers have not received their direct deposits since XX/XX/2018. I was supposed to receive mine on XX/XX/18. I have called every day and multiple times daily with no reasons why or resolution times. Now, when I call it is a busy signal and have had zero communication. I was first told it was a system upgrade and then I was told it was a system outage, and then I was just told they are aware of the issue. I can't have my payroll company redirect my paycheck as American Express has already cleared it as of XX/XX/18. Today is the 5th day that I have gone without my paycheck being deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I had 2 open Accounts with Tower loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned 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