vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I read an advertisement for the Chase Ink Business Preferred credit card. 
The introductory bonus is XXXX bonus points after you spend {$5.00} in purchases during the first 3 months of card ownership, and 3X points on the first {$15000.00} spent on the card. 

Chase services turned me down because they said I opened other credit card accounts this year. 

I only opened one business account that one offered XXXX points, but I offered to close that account because the Chase Ink Preferred is important to me and my business. 

All of my credit cards are in excellent standing and I maintain high bank balances in Chase and other banks. 

They advertised this card and I want to take advantage of the benefits. I'm willingto close other credit cards if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Schachter Portnoy, L.L.C.
State: NY

Complaint narrative:
SCHCHTER PORTNOY LLC took me to civil court for an account purchased by XXXX XXXX. The case was proven that the amount was caused by fraudulent charges with account documents and I was the one who was owed monies on this account. I agreed to close the case after counter suing for the monies owed to me on this account and was informed that this record would be removed from any credit reports. I agreed, because the case was dragging on after they continually did continuances ( hoping for a default judgement is my guess ), and signed a form saying I couldn't take legal action against them for this debt. This was all on the belief that this would be removed from my credit reports. SCHCHTER PORTNOY LLC have shown immoral acts during this time - when the summons was handed to me I was advised to ignore it and I can 'just throw it away ' by the man who handed this to me. I was recently failed an apartment application after they ran my credit report. I see this negative record still appears and believe it to be the main reason I was denied the apartment as well as paying high APR fees on the credit cards i recently obtained. 

Court : XXXX  XXXX County Civil Court Index Number : XXXX Case Name : XXXX XXXX XXXX XXXX, AS ASSIGNEE OF XXXX XXXX, FORMERLY KNOWN AS XXXX XXXX XXXX XXXX  vs. XXXX, XXXX Case Type : Civil Classification : Consumer Credit Filing Date : XX/XX/XXXX Disposition Date : XX/XX/XXXX Attorney/Firm ( s ) For Plaintiff - XXXX XXXX XXXX XXXX : SCHCHTER PORTNOY LLC Attorney Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX- ( XXXX ) XXXX ext :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MIDFIRST BANK
State: KY

Complaint narrative:
My mortgage servicing was purchased by MidFirst Bank, acting through it's division XXXX XXXX  and was transferred on XX/XX/2018. It is now XX/XX/2018 which is 126 days since transfer and I've made five mortgage payments ( XX/XX/XXXX-XX/XX/XXXX) to XXXX XXXX. XXXX XXXX has not reported any of these payments, or the existence of the account, to any of the three credit bureau 's and it is negatively impacting my credit score, as it shows my previous mortgage account as closed in XXXX and now appears as if I have no active mortgage account. 

I contacted customer service via phone in mid-XX/XX/XXXX and was assured that my payments and this account would be reported to the credit agencies on XX/XX/XXXX. This did not occur. 

I emailed customer service on XX/XX/XXXX and have not 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 non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TN

Complaint narrative:
On XX/XX/2018. I did a money transfer through Moneygram, and was denied service by an error i received on their site. The site told me to contact a Moneygram help number tel : XXXX. The help representative assisted me by asking me questions then after i answer his questions I was told that Moneygram did not feel comfortable with making my transfer and then canceled my transaction. I was also told that the service will no longer be available for me and that they had already deleted my account on the site. I had also given Moneygram all my account details for verification including my name, date of birth etc. When i asked for a reason why my account had been deleted he told me he could not disclose the reason that my account was erased that it was in the policy of the company. I cant make another account on the site using my card that did the transaction. I was able to make a transaction via a Moneygram on site location. The only service that seems to be affected is their online transaction service. I have used Moneygram for about 2 years in the past and this is the first time i have ever encountered such a fierce action against my account associated with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: FL

Complaint narrative:
The following incident happened today at XX/XX/18. I received a call from a random number which turned out to be XXXX XXXX phone : XXXX, office:XXXX ext XXXX from the following debt collection agency Hillcrest Davidson & Associates XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Website : http : //www.hillcrestdavidson.com/. 

I tried my best to cooperate but from the very start he was abusive, threatening and very rude. He threatened me, made XXXX comments, hacked into my mothers number and somehow called me from her number. He also was nasty and stalked me and was threatening me with my personal information saying he knows everything and that he can use my information against me. He called and wouldnt stop even when I tried to ignore the calls he would insist and when I picked up he would harrass me and attack me. I then called the XXXX police to target and they heard my story and called XXXX but he only showed them three recorded calls when in total there was way more and I have records proving that. The police said they couldn't help me so this is why I am filing a report here. I owe no debts to any debt collection agency, He wanted to speak to my mother and was harrasing me so I can get her to contact him which at one point she did but since it did not go as he planned he made XXXX comments of her and called me with anger to harrass me for how it went. I do not know how he got my information but I was scared for my life and need help I would like to report this, sue the company any measures to stop XXXX and this company from harrasing people like they did to me. I also see that I am part of a bigger problem and want help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendleton Capital Management
State: AZ

Complaint narrative:
On Thursday, XX/XX/2018 at XXXX - I received a phone call from XXXX apparently XXXX XXXX . I answered the call, and it was a message that at first sounded like maybe it was trying to say " this message is for ... '' but it was really fast, and I could not actually hear any name, or distinguish words really. Then it switched to male-sounding automated voice that said " this is an urgent matter, we have been trying to reach you, please press XXXX [ or XXXX ] now, and we will connect you with someone who can help. Again, this is an urgent matter. '' Then it starts to repeat the message. I hung up. Then I called the number back within a few minutes, and it is answered by an automated system. It is a womanly voice, saying " Thank you for calling XXXX XXXX. Helping one consumer at a time. If you received paperwork from our office, and know your party 's extension, dial it now or dial zero and a representative will be with you shortly. Please be advised that this is a debt collection company and this is an attempt to collect a debt ... This call will be monitored and recorded for quality assurance. It repeats this message two additional times, and then it will hang up on you. But no one ever answers. So, my problems are 1 ) this number has never previously reached out to me, 2 ) I have received no notifications anytime recently regarding any past due amounts or debt collections from this company or others, 3 ) the only bills I have are all set up for autopay, and doctor bills are paid within a timely manner, so there is no reason for a debt collector to call me, 4 ) If they never answer their phone, then I will never talk to anyone, because I REFUSE to press XXXX or XXXX or any number to talk to someone, if you are calling me then you should be on the phone, or don't call. I strongly feel that this is an attempt to scam people out of money that they do not owe to anyone. I tried to report it to the FTC, and they directed me to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AR

Complaint narrative:
When checking my card transactions, I found several fraudulent transactions for the purchase of same type items, occurring on various days. These transactions totaled several XXXX dollars, all deducted from my monthly Social Security Retirement. 
On XX/XX/18, after multiple attempts to contact customer services, I finally got an answer. I explained the problem to a very nice lady in customer services. She instructed me to withdraw the remaining money on my card, then call back to report the fraudulent transactions, and get a new card. 
I withdrew the remaining monies from my card on XX/XX/18, and then began my attempts to call customer services to request an investigation of transactions and get a new card. 
As of XX/XX/18, I have now spent 4 days making frequent and repeated calls to contact customer services. All attempts unsuccessful, with recorded message stateing a larger than normal amount of calls being received, and to call back or use web site! All attempts to contact customer services via web site were also unsuccessful!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I contacted XXXX, XXXX, & Transunion verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I contacted XXXX, Equifax, & XXXX  verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had forgotten I had purchased a small item at Best Buy on XX/XX/18 ( thought I had purchased at XXXX where I had purchased other of same product ). I had not purchased anything from BB in a long time and was not receiving paper or paperless statements. ( *I 'd previously purchased major appliances and never had an issue. ) In XXXX I received notice of late payments and IMMEDIATELY paid for all late fees, interest, etc. on XX/XX/18. I have never been late for any payment to any creditor. When I spoke to them in XXXX, they said they would contact the credit bureaus to forgive the lateness since a technical issue. This still has not been remedied and have disputed multiple times. When I called again today, they said there is a federal law that prohibits them from correcting or forgiving lateness, even with my excellent history with them. I have gotten quite the turnaround and am hoping you can help rid these from my credit report. Please let me know what other information you need to assist you in helping rectify this. 
I am attaching a photo of a letter that sounds like they fixed it and in fact did not. 
Thank you 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
Consumer complaint received 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Have an auto loan that I acquired in XX/XX/2013, Ive been late a lot of time due to financial hardship but never stopped paying. Now my loan has mature I am done with all my payments and the are charging me almost 2 thousand dollars more. When I called they told me it was late fees and months that I had requested extensions and that I needed to pay all XXXX XXXX dollars at once or they where coming to get my car. called again trying to get a plan to pay everything without them taking my car but I was told now that everything I owe is interest and late fees ( they say today that they are not coming to pick up my car ). The issue is that they are not consistent on why I owe that much money every time I call they give me a different story and on top of that they are constantly harassing me calling me all day long even when I speak to them they keep calling back, they call my job, they call early in the morning late at night from different numbers even from out of the country numbers. They dont check their records before calling even after I pay they call me saying I need to make a payment And a lot of time they are not very nice when they call.

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
In XX/XX/XXXX I began employment with an organization called XXXX in XXXX, GA. XXXX XXXX XXXX I was hired as their XXXX XXXX XXXX XXXX. As such, I purchased a one year subscription from XXXX with my XXXX email address and my personal credit card. I departed that organization in XX/XX/XXXX and they immediately removed my access to that email address and continued using the XXXX XXXX account. Additionally, I believe they selected the auto renew option which resulted in another charge of {$400.00} in XX/XX/XXXX. So, in XXXX  of this year I was charged {$400.00}. According to XXXX XXXX, who refused to reimburse me because the account has been used by XXXX, they authorized payment. 
I contacted XXXX ( who by the way are a credit card distributor with the XXXX Visa Card ) who's VP of Human Resources admitted accessing the account but refused to offer me the reimbursement. 
I called Citi Card to report fraudulent use of my credit card and they claim it is not fraud? I'm not sure what to do. My card was used by XXXX without my permission and they locked me out of the XXXX XXXX account so I was unable to cancel, receive renewal reminders, etc.

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 2018-12-06 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Wells Fargo reported that we were over 6 months late on our mortgage which never happened. I will admit that we were behind by 2 months but never 6 or more months consecutively. They reported this and it has a direct impact on my rating. They did this to make themselves look good and force my wife into signing paperwork that modified our house loan under false pretenses. This company is wrong and they know it.

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 2018-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I HAVE A {$79.00} BILL IN COLLECTIONS I WAS NOT AWARE I EVEN HAD THE BILL APPARENTLY IT WAS FROM ALMOST A YEAR AGO, I PAID THE BILL AND ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND THEY SAID THEY WOULD, TWO MOUTHS LATER IT IS STILL ON MY REPORT AND IM TRYING TO GET A LOAN, MY MORGAGE COMPANY TOLD ME TO CALL THEM AND ASK FOR A LETTER SAYING THEY WILL TAKE IT OFF MY CREDIT REPORT, THEY SAID THEY CANT DO THAT, THAT ONLY THE CREDIT REPORTING AGENT CAN DO THAT, MY MORGAGE COMPANY ASSURES ME THAT THEY HAVE TO DO IT AND I DONT KNOW WHAT TO DO AT THIS POINT. 

KEYBRIDGE XX/XX/XXXX Open XXXX XX/XX/XXXX XX/XX/XXXX Placed for collection Collection XXXX, XXXX, XXXX KEYBRIDGE XXXX XXXX XXXX XXXX, XXXX, OH PHONE ( 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
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax enclosed is a copy of your credit changes on my report you reported updated in my favor but my score dropped 8 point s the only thing was i an in dispute and reinvestigation is taking place my question is why you dropped 8 point because if an investigation the changes were in my favor not negitve

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
On four different occasions I have asked Employees of Tower Loans not to contact me at work. I am a XXXX XXXX so obviously I can't receive personal or business calls at my place of employment due to the nature of my business. However, they continue to call my workplace even after being asked not to. 

They have also continued to call and harass my friends, coworkers and associates after being asked not to.

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 2018-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I often times pay this credit card ahead of time and I have never been delinquent. I paid them {$1000.00} ahead of time to cover expenses while I was going to be away from home closing an apartment in XXXX  that I needed while I was receiving medical care but was finished with treatments. The company received my payment but in only 10 days turned around and sent my payment back to me and I thought my bills were paid. I am an elder with no help at all and I knew my time would be very full packing, putting everything in storage and returning to XXXX and believed my bills during the time were covered but Capitol One turned me in for no payment when that was not true! That dropped my credit score a huge  amount and I need my credit restored. I called and changed my address and they said they had my XXXX  address but I never received a bill and my address was never corrected. I am an elder and I am not accustomed to checking my bills online, I do want paper bills since they must be turned in for accounting. I have been a very long term customer but now I DO NOT trust Capitol One, I have been an excellent customer and I am not late on my payments but Capitol One sabotaged me. I need this rectified and I can't afford for them to punish me for paying ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have tried to settle this before. I am XXXX and on XXXX. I am being harrassed and even was told that I could be arrested for not paying a debt. I dont want to go to jail for money I dont have.My credit is bad because of this and I told the creditors that I was on XXXX but they still destroyed by credit.

Company response to consumer: Closed with explanation