vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-29 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: OR

Complaint narrative:
I applied for the XXXX XXXX American Express Business credit card. I verified with American Express prior to applying that I would be eligible for the welcome bonus and was told that I was eligible and to apply. After meeting the minimum spend I was denied the welcome bonus. They provided several generic reasons as to why someone would not be eligible. I did not fall under any of the exclusions and they could not provide me with a specific reason. It was reviewed with their " back end '' team twice and was told to check back in a few weeks each time. After being denied I requested to cancel the card and have the annual fee refunded since they did not provided the promised welcome bonus. They informed me I was past the time period to have the annual fee refunded after it was due them taking so long to be back to me each time. I had chat transcripts of every conversation about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Synchrony Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Synchrony Bank has continued ( even through XXXX using XXXX and previous credit reports prior to removal of negative errors on my credit reports ) to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 
I even paid off a Synchrony credit card down to a XXXX  balance in XXXX and within 30 days ( XX/XX/XXXX ) Synchrony Bank closed that account using the XXXX credit report reflecting incorrect data. 
This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Synchrony Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?

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 2018-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: AZ

Complaint narrative:
I received 9 phone calls between XXXX and XXXX on Saturday XX/XX/2018. Not one voicemail was left. This happens everyday continuously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below. After several conversations with the credit bureaus and capital one. I noticed that XXXX  fixed the errors, however, i still noticed the dilemma on the other 2 credit report agencies. 

XX/XX/2018 - 30 days late for {$5.00}??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
First XXXX  used or has XXXX XXXX of XXXX XXXX in XXXX County KY help them steal $ from me. I s Am sick from XXXX XXXX, my job causing a XXXX XXXX and XXXX XXXX XXXX. 
XX/XX/17 I bought 5 phones at XXXX  and since then my phone had {$4900.00} stolen and XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX but XXXX said its XXXX  / XXXX XXXX - then {$300.00} from XXXX  XXXX -XXXX  from XXXX  XXXX -XXXX from credit union I have 56 false hard inguires and identy theft false credit cards. I want XXXX  XXXX and XXXX XXXX to fix XXXX to pay me

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 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2018 - 30 DAYS LATE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX - LATE PAYMENT WITH DIFFERENT BUREAUS - HOW IS THAT POSSIBLE? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2018-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen has foreclosed on my property with a Strict Foreclosure law day of XX/XX/XXXX in proceedings through XXXX and XXXX when they also stated to me that they have a Hold Foreclosure on my account. It does't make sense. 

I had been working with the Ombudsman 's office and my representative to straighten out a very confusing Modification offer first presented in XX/XX/2018, which included no details of the modification except for the amounts of the first three payments ( and no guarantee of a modification even after paying those ). After requesting this information, in XX/XX/2018, Ocwen finally sent me the details, which I agree to, but they said that the time for accepting the modification had passed and that I could appeal. So I immediately appealed, only to find that they then sent another modification proposal in XX/XX/2018 that was much more expensive ( an additional {$260000.00} ), based on their assumption that the value of my house had risen ( magically ) from {$890000.00} to {>=  $1,000,000} ( in a very much dropping market ). 

I made my representative ( and the Ombusdman office ) aware of what had to have been an egregious error and in XX/XX/XXXX paid for my own Appraisal of my home, which showed the value at {$660000.00} ( emailed to them XX/XX/XXXX ). Working with my Ombudsman, we agreed to " call it '' {$700000.00} since Ocwen said that they had a higher appraisal. They are purportedly working on a modification ( we also spoke of a settlement, but I can not handle a one time payment like that ) all the while I have been to court on three occasions, XX/XX/XXXX, XX/XX/XXXX and finally XX/XX/XXXX all the while Ocwen states that my account is on a Foreclosure Hold. 

I've reported Ocwen before in a much larger scope of problems ( Complaint XXXX-XXXX  ). I am assuming, and it appears by the CFPB action against Ocwen in XXXX that you've addressed those. Now, it appears I need some rather direct intervention, and I hope you can help " nudge '' Ocwen to honor their Modification process based on this new value of the home ( similar to their XX/XX/XXXX assessment ) - and immediately before XX/XX/XXXX comes and we are out of our home!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: CA

Complaint narrative:
According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXXN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX AND XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
There was a dispute of a {$96.00} with XXXX company which I disputed with XXXX  and they decided in my favor showing the bill paid and account closed at my request. I started receiving correspondence from XXXX XXXX XXXX wanting payment and I sent a letter with copies of the XXXX decision and requested they not correspond with me further on XXXX. I tried to use my XXXX card today and it is being blocked along with any other card I have with XXXX. I feel this is retaliation as all other accounts are in good standing and there is no reason to block their use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-29 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Due to an error of a 30 day late payment posted on my credit report on or about XX/XX/2018, I had endured several account closures and credit line decreases with Commenity Bank since that date. I noticed the error around XX/XX/2018 and I notified XXXX XXXX XXXX with the error and asked XXXX to remove the error. Then, I notified the credit bureaus and filed disputes in regards to the negative information and ultimately had the negative erroneous information removed successfully from my credit reports. However, Commenity Bank has continued to close and/or decrease credit and charge cards lines of credit using information provided while I was in active dispute of the 30 day late payment which was removed from my credit reports. 

This action of closing charge and credit cards is negatively affecting my credit reports and credit scores. At no fault of my own, I have been dealing with the consequences of an error made by a third party and suffering consequences as a direct result of the third party. I have never been over 30 days late for any payments on any accounts and I have never been with Commenity Bank. All of my accounts have had at least the minimum payments made on the due dates on all my accounts and I do not deserve my credit lines to closed or decreased when I am a good customer. Ignoring current credit scores and reports and using inaccurate information against me seems to be questionable on several levels. 
Were the credit bureaus required to send the corrections made to my accounts to my lenders?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I called Chase regarding the interest I was charged on XX/XX/XXXX On XX/XX/XXXX, a payment of {$5000.00} was made and posted to the account then, onXX/XX/XXXX, I was charged interest on the original balance of {$6600.00} instead of on the current balance of {$1600.00}. When I called Chase, I asked to speak to a Supervisor and the lady I spoke to was extremely rude and would not let me speak. She said I was being charged {$110.00} in interest on the {$6600.00} because that was my balance inXX/XX/XXXX even though the interest charged was inXX/XX/XXXX, 5 days after I made a huge payment to my account. The billing cycle did not end untilXX/XX/XXXX and I made the payment on XX/XX/XXXX before the billing cycle ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 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: GREAT LAKES
State: CA

Complaint narrative:
Im a XXXX who attend the school in XXXX. I used my XXXX  XXXX XXXX  XXXX with all my expenses covered through it yet somehow I have an outstanding XXXX loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the XXXX XXXX works. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Additional documentation to the original compliant : XXXX. Attached is the Tax Assessment. They have valued the property at a different amount than Wells Fargo is claiming. Wells Fargo is claiming the house is upside down.

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 2018-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked several rooms at the XXXX XXXX in XXXX XXXX for a stay from XXXX. I prepaid for all the rooms on a debit card. 
XXXX overcharged my card for {$200.00} approx, in informed them before XX/XX/18, and they concurred over the phone and told me that they would credit my account for that amount. 
The credited my account on XX/XX/18, and at the same time 2 additional charges were credited to my account at JP CHASE through this debit card totalling over {$40000.00}. 
Subsequently a week later, XXXX  debited my same card the appropriate {$40000.00}. I had moved the money into a different account as I did not want the funds to get mixed up with my own. So when I saw in the evening the they debited the same amount, I quickly transferred those funds back to the account so that they would get that money and no overdrafts would occur. 
A series of other transactions were taken by my bank after that fact, which also included them charging me about {$100.00} and then without notifying, through their loss prevention, closed all of my accounts and caused me to not have access to any of my incoming funds. I did not receive a phone call, a letter, a notice in my online banking messaging, or anything. 
I feel the hotel and the bank are 100 % responsible for either mistakes/errors or malfeasance that resulted in their silently accusing ME of doing something wrong and resulting in me being wrongly charged financially. additionally, several direct deposits going into my account were not deposited and not given to me for a total of approximately {$3200.00}. 
I have reported this to the XXXX XXXX  in XXXX XXXX and am attempting to file a complaint directly with CHASE but have not been able to ascertain the correct department and/or address/email address for their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I started with XXXX XXXX from XXXX XXXX who pre-approved me for a VA loan after he ran my credit and took all my information including my income, etc. and said he could do a VA loan for me up {$160000.00}. This was in XXXX of 2018. On XX/XX/2018, I found a brand new home for myself and my family and I signed a contract. We were to close on the home XX/XX/2018. Mr. XXXX assured us this loan would go through and everything was on track but as the days passed there was little to no contact from him.I began to get more and more weary of him especially when I was getting paperwork from Carrington Mortgage. It had looked liked he brought it another mortgage company without me being aware of this. I still was not able to get in touch with him nor was my realtor or the title company.But I was signing all paperwork that I was sent and giving all the necessary information needed to proceed with the loan. Then when I finally did hear from Mr. XXXX, he told me that the loan was to be postponed to XX/XX/18 because he had not ordered the VA appraisal yet. Our realtor, the builder, the title ; company was all waiting for Mr. XXXX to order the appraisal and give final approval of out loan so that the final closing date of XX/XX/2018 could be set and then the call came in to our realtor NOT to us that our loan was in fact denied. NO explanation was ever given to anyone especially us and we were never called, never sent a letter or anything!! Never use XXXX XXXX or Carrington Mortgate. EVER. Now weeks before XXXX my family was all packed up with no home to go to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im a veteran who attend the school in XX/XX/XXXX-XX/XX/XXXX. I used my post XXXX GI Bill with all my expenses covered through it yet somehow I have an outstanding Stafford loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the GI Bill works. 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 2018-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2018, I sent verification letter to EOS CCA regarding debt collection. On, XX/XX/2018, they sent me part of a bill and a letter stating that they validated the debt. They did not send the information as I requested. On XX/XX/2018, I sent another certified letter requesting validation. On XX/XX/18, they sent me a settlement letter. I then sent all information to XXXX  on XX/XX/18. One week letter XXXX  sent me a letter stating that they verified the debt. On XX/XX/18, I sent a method of verification letter back to XXXX  who has not responded. I don't understand why I can not get the documentation as requested.

Company response to consumer: Closed with explanation