vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL

Complaint narrative:
Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I would like you to look into how Citigroup determines how much the mininum payment should be. I have had credit since XX/XX/XXXX. I expect the minimum to go up if I have defer the interest and did not get payoff on time or if I have miss payment or had late payments or if I had use the credit card. But my account with Citigroup is closed. I closed my account in XX/XX/XXXX. These are the minimums that they have charge me on my account. The minimum goes down and then jumps back up. The minimum should be staying the same or go down. Here is the listed. month year minimum XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$96.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$90.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$97.00} XX/XX/XXXX {$91.00} As I stated early I have had credit since XX/XX/XXXX, my minimum on my statement either stay the same, goes down if I do n't use the card, or goes up if I had use the card or had defer interest that I did not get payoff on time. But on a closed account the minimum should stay the same or go down only. I hope you will look into to this. Thank you 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 2017-08-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried repetitively to have Experian and XXXX to take of a Bankruptcy showing on my credit file. The date of this is XXXX 2014. I never filed bankruptcy at that time. I asked them to verify by showing my signature with any legal paperwork. They did not, and kept on saying it was verified. I will swear under oath to this if need be. They are mistaken my information. I want this off both these credit reports right away. It is hurting my credit score. They are in violation of my rights under federal law.

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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Your support in this matter is appreciated in advance. I have two mortgages with Nationstar. Each loan is at least 10 years old to date. I have never missed a payment nor have I been late on either loan payment to Nationstar. When speaking with a lender recently who had run a credit report, I was alerted there were two " late mortgage payments '' showing on one of the loans for the months of XX/XX/XXXX and XX/XX/XXXX. I was quite upset to hear about this considering I monitor the status of my credit. When I checked my banking records, all payments in XX/XX/XXXX were paid on time. When I called Nationstar to inquire about this I was informed the loan amounts had changed ( escrow and interest ) and my payment was short not late. I was not aware of the change and was surprised this had occurred and was not notified. From what I recall from my original note, partial mortgage payments were not accepted. I should have received the original check back to me notifying me the payment was incorrect and not accepted. I then would have been informed of the shortage, made sure it was taken care of, and would not have this infraction on my credit. Often I receive from Nationstar a special delivery notification ( XXXX XXXX or other overnight delivery ) about considering to refinance my properties. If this is the case, why was I not sent an overnight alert of importance to tell me about the shortage payment on my loan? Maintaining my credit score is very important to me and has been for over 30 years I have established credit. I have paid 5 ( and two second mortgages ) mortgages faithfully since the XXXX housing market crash and felt quite proud that I never have been late nor had to walk away from a mortgage. In summary, I want to have the late payments removed from my credit report and should a change occur in my loan, I would appreciate, given my payment history, to be notified first before affecting my credit standing. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: TX

Complaint narrative:
Transunion is not honoring FCRA 605B. I submitted an identity theft packet requesting a block to Transunion via certified mail on XXXX-2017. The item was delivered on XXXX XXXX, 2017 at XXXX XXXX. Instead of blocking items, Transunion opened a 30 day investigation which was scheduled to complete on X/X/2017. FCRA 605B requires four items in order to reauire a block of information. 1. Appropriate proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the information that is asserted to have resulted from identity theft, and 4. A statement by the consumer that the information is not information relating to any transaction by the consumer.
FCRA 603 ( q ) ( 4 ) defines an identity theft report as a a report that : " ( A ) that alleges an identity  theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or  such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " I have included all of the above in my identity theft packet sent to Transunion and Transunion failed to block the items. Although most items were eventually resolved through the 30 day investigation, I have yet to have one fraudulent collections come back as " verified. " although the CRA is required to block since I provided all the information required. This is not my account. I did not open the account hence why I included it in the identity theft packet. If my account was verified, its because my correct personal information was used to open the account. Please correct this issue and block XXXX from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Banks, Such As Chase And   XXXX   XXXX   Charge Fees For Using A CheckCard, Commonly Known Today As The Debit Card, When A Consumer Pays Their Mortgage, And Charged Me For 2 Decades, Until I Paid My Mortgage Off. The Fees Were From About  XXXX - XXXX - Through To About  XXXX .
The Federal Banking Institution Does Not Charge For Checks, And The CheckCard Was Guaranteed And Introduced As An Automated Check, With Promise Of No Fee, And Benefitted The Payer Who Received Immediate Funds, No Differently Then The Process That Introduced Handwritten Check, As Fee Free.
Having My Original Checkcard, In A Significant Place Of Upper Right Corner It Says Check Card And In Smaller Words, Lower Left, It States Debit Card ... .For Accounting Purposes, It Debits Your Checking Account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In  XXXX . 2017, I made a payment towards my Wells Fargo Bank Credit Card of {$320.00}. After that payment, I did not receive any paperwork from Wells Fargo that anything was wrong with my Wells Fargo Credit Card. When I went to make my   XXXX   payment on-line, it said my account had been closed. What is more confusing is that in  XXXX , I received a new credit card for this account. When I called to ask what happened, I did not receive any information. All they would tell me is that it was closed. I demanded to know why. Not until   XXXX   did someone tell me that in  XXXX . when I made the {$320.00} payment, According to Wells Fargo Bank, N.A they claimed that I should have made a {$370.00} payment. Never did I receive paperwork about this or was notified that I did not pay the full amount in  XXXX . When I was told in  XXXX  about why they closed my account, I was then informed that my account would be charged off. My question to them was : " Why was I receiving a new credit card after this account was closed? '' as it did not make any sense to me. Wells Fargo has been sued by the CFPB just last month as it appears that over 68,000 consumers were defrauded in this very same manner by closing my account and then destroying my credit score, and opening another another account, without my permission. ( at a much higher interest rate and including unfavorable terms to me, the consumer. ) They are unwilling to admit that they are complacent in this credit card Fraud scheme, all of which is in violation of the federal law refered to as the Fair Debt Collection and Practices Act.

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 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: IL

Complaint narrative:
I recently became aware that Discover was charging me for a Payment Protection Program I never enrolled in. After inquiring with them, I was informed they had been charging me since 2010 for over {$1500.00}. Since I never enrolled in the program I requested a full refund but was only given a 6 month refund. After doing some research I found many customers were given full refunds but after asking multiple parties and supervisors to meet these demands I was still denied. They told me someone may call me back in 3 days or I could write a letter to their general mailbox. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint on behalf of syncrony bank/qvc. This account was removed and deleted off my   XXXX   and   XXXX    credit report after I disputed it over several times. However they responded to   XXXX   credit reporting agency not to remove the account off my report. This is wrong as it was confirmed to delete from the other   XXXX   credit reporting agency 's but they will not allow it to be deleted off my   XXXX   report. I tried to re-dispute it again this morning with   XXXX   but  XXXX  would not allow me to do so ( which is also wrong ). I have this account reporting on my   XXXX    credit report and it should be deleted just as they gave verification to delete off   XXXX   and  XXXX . I am fustrated at the fact that they are affecting my credit score in a negative way by responding not to remove. I was told by  XXXX  syncb/qvc responded to delete off report why would they respond NOT to delete off  XXXX ? I would also like to note that qvc is no longer in business.

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 2017-08-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have an Amazon credit card thru Chase bank and when I log onto their website and try to make a payment I can see my list of payment sources and different amounts to pay on the card but the system does n't allow me to make a selection of either. it clearly is n't working and when I called to speak with an agent he told me the reason I ca n't make a payment is because I have not verified something about my account that was sent by email. That 's total non-sense. The website is non-functioning, Period

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX   -   XXXX   XXXX   XXXX   - charged my American Express credit card in error on   XXXX   XXXX  , 2017, at   XXXX   XXXX    XXXX   XXXX  . They immediately acknowledged their error and promised to reverse the charge. However, when I returned from travel in  XXXX , in early  XXXX  of this year, the erroneous charge appeared on my American Express statement. I promptly disputed the charge, opening a case with AMEX, and also did the same with  XXXX .  XXXX  responded promptly and courteously, investigating it and advising that they had contacted AMEX and authorized the credit card company to charge back   XXXX   for the amount of {$490.00} ;  XXXX  advised me that it had accepted the AMEX chargeback on   XXXX   XXXX   2017 ; they provided reference numbers for that exchange with AMEX. However, AMEX not only failed to clear the disputed charge from my statement, they actually closed out their original dispute investigation on the matter ( #   XXXX   ), and sent me a letter dated XX/XX/XXXX  stating that they were reinstating the {$490.00}. claim to my account. I immediately called AMEX, and they re-opened the dispute with a new reference number,  XXXX , and asked me to re-submit my information by mail. This was done on   XXXX   XXXX  , 2017, with copies of all relevant documents, including the emails from  XXXX  Customer Care that confirmed the AMEX chargeback against them. I also uploaded all relevant documents to the AMEX site as instructed by them, at americanexpress.com/docupload.
To date, I have received no acknowledgement from AMEX about the fact that they have been made whole by  XXXX  and that therefore no charge is outstanding. Meanwhile,  XXXX  has been prompt to respond to my follow-up questions ; their Customer Care person   XXXX   XXXX   had made every effort to provide me the reference data regarding their resolution of the charge.   XXXX   ' case number for this matter is  XXXX . Meanwhile, I continue to be harassed by AMEX statements reflecting the {$490.00}. outstanding charge. Please assist me to have the credit card company promptly resolve this matter. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Received a collection notice from Convergent trying to collect a debt of  XXXX . When I contacted them to find out what the debt was for I was told it was on a   XXXX   XXXX   for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX . Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years. Convergent received info from   XXXX   in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.

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 2017-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am very worry of the way my loan is been credit. I receive the escrow review statement dated X/XX/2017 reflecting escrow shortage for the amount of {$4800.00}. Since I do not want any other fees to be added to my monthly mortgage payment. I decided to pay the full amount of the shortage. I mailed out a check to Wells Fargo on X/XX/2017 for the full amount of {$4800.00}. and it was withdrawn from my bank account. However the monthly mortgage statement I keep receiving from Wells Fargo is reflecting my escrow is higher every time. With this complaint I am providing a copy of the check I mailed to Wells Fargo. Also my bank statement shows the check was cashed out. I dont understand if I paid my shortage of {$4800.00}. My mortgage statement dated X/X/2017 is reflecting a escrow balance of {$6200.00}. I am requesting a detail explanation of how my loan was credit. Also the an explanation why my escrow keeps increasing every time. Please address all my concerns since I do not want to fall behind. Due to Wells Fargo 's mistakes Thank you in advance for your consideration.

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 2017-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BlueChip Financial
State: TX

Complaint narrative:
I was contacted on XX/XX/XXXX and again on XX/XX/XXXX by someone claiming to have an arrest warrant from the XXXX County Processing Department. They also asked to speak to my supervisor to make them aware of the arrest warrant. I wrote down their name and number and offered to call them back. When I called back, another person working at the XXXX XXXX XXXX advised that Spotloan had sent me an arbitration request that I ignored. They then claimed to have a court order for garnishment. I have not been notified of an arbitration request or a court order. I did offer to repay Spotloan the XXXX that was owed, but I will not deal with threats or extortion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The first bill statement that was not received was at XX/XX/XXXX. After this it happened again on the Month of XX/XX/XXXX. I did not receive the bill statement before the due date. I made the payment on XX/XX/XXXX and received the bill statement of XX/XX/XXXX with a different minimum payment due because the XXXX bill statement came late. XX/XX/XXXX bill Statement I paid on XX/XX/XXXX ( By the way all the payment is made around day XXXX and XXXX every month. ) On XX/XX/XXXX I spoke with XXXX about the fee and she told me that she refunded the fee ; however, I just got today the XX/XX/XXXX bill statement with the Minimum payment due more than {$42.00} for the error that I did not do. The XX/XX/XXXX bill statement came late and Synchrony bank is blaming me. It is not right and it 's unfair. Today I spoke with XXXX and later with XXXX. XXXX said she will do it a courtesy to remove the fee. It is not a courtesy ( DID NOT RECEIVE THE BILL STATEMENT ON TIME ) and I asked her about the Minimum payment due of {$42.00} ; she said she can not do anything about it. I believe the American people and I need to get the bill statement before the due date. I will continue to make the payment of {$42.00} until I get an answer by authorities.

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 2017-08-01 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: AES/PHEAA
State: MO

Complaint narrative:
I contacted XXXX, XXXX, XXXX on X/XX/2017 and XX/XX/XXXX in regards to the negative information reported on my credit reports. Upon reviewing a copy of my credit reports I see various entries listing inaccurate Account Status ( Closed ), Payment status [ Debt included in or discharged through bankruptcy chapter XXXX,XXXX, or XXXX ] and balance. I 've asked the 3 credit bureaus to validate this information with Fedloan Servicing and provide me with documentation associated with this account. I requested that the data be immediately deleted from my credit files that are maintained under my Social Security Number. I specifically stated that I do not consent to XXXX or any other means of automated verification to all 3 credit bureaus. Which they have ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I settled a XXXX account with XXXX XXXX XXXX for the balance of {$85.00}. This company should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC

Complaint narrative:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

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