vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
The company I complaining about is a Clothing company called " Belk ''! I contacted them directly and told them I saw a Inquiry on my Credit Report that did not belong on my report? Dated XX/XX/2019! They asked for my SSI number? And when I gave it to them they told me that they didn't have me in there file and did not know anything about me or who I was? Can you please have them remove this Inquiry please? I saw the Inquiry on my XXXX file? Thank you

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 2019-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NM

Complaint narrative:
We started working with New American Funding in XX/XX/2018 to obtain a VA loan for the house we are currently living in. After 5 months they told us we had late payments from 3 years ago during a bankruptcy and for that reason they were denying us the loan. My understanding is the VA requirement is no late payments in the past 12 months which we meet the standard. Only after we met every other qualifying point did they fault us for the late payments during our bankruptcy from 3 years ago. 5 months of hearing we are almost qualified only one more thing and you'll be qualified. Your rep is out sick. Here is a new rep. After 5 months we were denied. This is not fair lending practive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
I was contacted and threatened legal action for a charge off account. The balance was below {$500.00}. My neighbor also called and questioned. Communication threats and disturbances

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 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I have been experiencing an unusually high rate of insufficient fees with MidFirst Bank in Oklahoma. I do acknowledge that I will be low on fund at times and utilize the overdraft protection service, however, when I began to closely monitor my account, I noticed a pattern that my debits were/are being rearranged in a way where it appears MidFirst could charge additional insufficient fees. When inquiring about this often, various representatives understood and reversed some of the insufficient charges ; others, like one this morning, was adamant the fault was my own. I have heard several different excuses from representatives : " it's out of the bank 's hands when a charge will go through '', " it's on the merchants when the charge will go through '', and " it can be confusing how the charges reflect and how the debits rearrange ''. Further, I had been told for years, since opening my account in XXXX, that if a deposit was made within 24 hours of a debit, no insufficient fee would occur. When I was charged a fee for a debit that incurred less than 24 hours before a deposit, the representative stated she'd never heard of that before. The rules, procedure and communication should be crystal clear and not waffle from week to week. I also found that in XX/XX/XXXX, without any notice at all, the MidFirst bank rate for insufficient fees went from {$32.00} to {$34.00}. Nothing should be confusing about my money being deducted out of my account. For this reason, I feel like MidFirst has unnecessarily taken hundreds of dollars in insufficient fees from my account. I will be transferring my funds to another bank soon, but wanted to advise the CFPB of what appears to be deceptive practices by MidFirst and/or its employees. 

Thank you,

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 monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
In XX/XX/XXXX, my husband and I contacted XXXX XXXX XXXX to start with credit repair services. They stated it would be $ XXXX, per person, but did not disclose how many months it would take to finish the case. So we started the process, paying $ XXXX for both my husband and I to do this in hopes that by this spring ( XXXX ) we would be ready to purchase our first home. We were sadly mistaken. It has been 6 months now and we have seen minimal, if no, progress at all. They would send us emails stating that certain things were removed from our credit report, only to find out months later, that it indeed was not. The biggest thing was our bankruptcy from XXXX. They stated that it would be an easy fix to get removed. In XXXX, we were sent an email that it indeed had been removed. Looking at our full credit report this month, it was NEVER removed. So we were paying for services, that they said were happening, but were not. We paid a total of {$1500.00} to XXXX XXXX and it only hurt our credit more. This has been a very upsetting process and the loss of the monies that we spent have been even more upsetting. We were promised a certain service and it was not provided and paid a lot of money for the services not rendered. We have since canceled our services ( which was not an easy process and they said they were still going to charge us again in XXXX for another month of services that were not rendered. I told them I would not be paying them in XXXX and they stated they will withdraw it from the account on file, which I did not authorize ) in hopes that we can repair our credit ( and the damage that they did to it ) on our own or with another company. The fact that they did not disclose how long it would take or how much money we would be paying, is falsifying to their customers. I will attach all the letters from XXXX XXXX and can provide our credit report to show that these were not in fact removed, if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I was approved for an American Express ( Delta SkyMiles ) credit card. 

On XX/XX/XXXX, I received an email from this AmEx credit card offering a bonus miles promotion if I opened additional cards for family ( aged 13+ ). The online form to add a card member under did not ask for any info except for the name of the new card member. I only entered my son 's name. Other fields were all optional ( email, SSN, DOB ) so I did not provide any other information. ( See pdf screen shots. ) The card request was approved and I received the credit card for my teenager son in XX/XX/XXXX. 

Then I get a notice from my ex-husband that he has access to this new AmEx credit card. He can see the account on his XXXX  credit report. He knows the balance, due date and account info. Please note that I have been divorced for over 5 years. I have no credit cards with my ex-husband. Somehow AmEx accessed my personal information, violated my privacy, and breached security. 

When I called American Express, they transferred me to their AmEx credit bureau. On XX/XX/XXXX, I spoke with XXXX XXXX ( service rep from XXXX XXXX, XXXX ) who said he could not help me because it's not my credit report. That my ex-husband would have to call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There is no way to receive Citi replies in writing other than sending a letter by regular mail. 
Online I have the following options : - Chat : it shows unavailable - Call : not interested because I need the reply in writing - Mail : just absurd to send a letter for an account-related simple question Unfortunately, being a bank that is not providing any way for me to clarify questions electronically, I'm forced to open this complaint, and will open more if new questions come up and I find no way to contact Citi in writing. I refuse to send regular letters for this kind of questions. 

First question is : why? why not provide a secure message center where I can send a question? There is a secure message feature but only to read messages, not to send ( how convenient ... ) Other questions : - When I try to use the Virtual Card number feature on the website, I receive : We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call XXXX refer to Error Code [ XXXX ]. 
- I'd like to know the date in each my ThankYou card was opened, and also if and when I'm eligible for the sign up bonus of the new Rewards Plus card. I received the offer to convert my current card, but then I don't receive the welcome bonus. I prefer to wait until I'm eligible ( if I'm not already ) to apply for the card. I believe there is a 24-month wait time since the last ThankYou card was opened. Please confirm all that. 
- I opened a return protection onXX/XX/XXXX. Only on XX/XX/XXXXI received a reply, saying my account ending in XXXX could not be located ( it was recently transferred due to unauthorized transactions to a new card ending in XXXX ). They did not simply ask about the new account - they asked me to resubmit everything again, which is an absurd. They should be able to check the previous account anyway. I resubmitted everything the next day (XX/XX/XXXX ), and have not heard back yet. Slow, ineffective benefit. 

It seems you are not paying attention to your customers based on the issues reported above XXXX lack of a place to send messages, errors when using the account features, slow and ineffective benefit ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: IL

Complaint narrative:
I continue to struggle with XXXX. There has been an obvious miscalculation of Public Service Loan Forgiveness payments, counting only 9, as I have been making full monthly payments through and income-driven repayment plan faithfully since XXXX when I first consolidated my loans for the express purpose of being in the Public Service Loan Forgiveness program. I just recently sent updated employment certification forms - again - from eligible employers with eligible employment XXXX, detailing no new information I have not sent multiple times since XXXX. I received a reply back that the forms were received and no updates were to be made, and they detailed my eligible employment dates erroneously in spite of having clear, concise data on the proper forms that indicate a continuous period of eligible employment. 

I have always submitted all paperwork on time every time it was asked of me, and I have never had to stop making eligible monthly payments because of financial trouble. Twice in the last few years I have had my account put in forbearance because of their clerical errors - already detailed documented in a Consumer Financial Protection Bureau complaint I have placed in XX/XX/XXXX - that contribute to a significant extension of my loan by no fault of my own. 

The incentive structure is extremely problematic here. Through income-driven repayment >90 % of my payment goes to interest, with the last small fraction going to a very large loan, so they are obviously incentivized to keep my loan going as long as possible. Even if I get frustrated and pull out to pay it all down after refinancing, they still get all of their money. This has been such a chronic and common issue that I can only think they institutionalize some degree of incompetence and/or commitment to these anti-borrower and frankly misanthropic incentives in order to maximize their gains at the expense of students, especially with so few servicers who all seem to be terrible to borrowers. 

This has to change. I hope State and Federal authorities can assist in applying pressure on XXXX and other servicers to remember their borrowers are people who needed and appreciate their help to pay for education, and not to mistreat the vast majority of us who are following The Rules but are still being bilked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates ( PRA ) has reported a debt allegedly owed to them for several years to credit bureaus. They have also attempted to collect this debt by means of phone calls and letters. 

PRA states on their letters that account information and resolution can be found and accomplished on their website, XXXX. Upon logging in to the website, I discovered that there are no accounts listed as open. A message appears stating " This account has been settled in full, '' with no other details. There is a navigation option at the top of the page that says " Account ( s ), '' indicating that any open accounts should show up when that link is clicked. Upon clicking the link, the same message appears saying only " This account has been settled in full. '' It appears that there is no record of any open account on PRA 's website.

Based upon the fact that the company seemingly has no record of an open account, I disputed the reporting of this account to the credit bureaus. I also disputed the account with PRA directly.

PRA has not responded to my inquiry and has re-affirmed ( re-reported ) the account to the credit bureaus, noting that it is disputed but that it has been confirmed and meets FCRA requirements.

The act of reporting an account to the credit bureaus while having no record of it or the ability to resolve it is a false, misleading, and confusing action. No consumer would have the ability to resolve an account that does not show up in a company database yet is still being reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal refused to give my money back b/c of the the fraud clearly gave them evidence of the fraud they said they couldn't help XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX Unauthorized access XX/XX/2019 NA Closed View XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Re : Accounts ending in XXXX and XXXX Capital One Case : XXXX CFPB No. : XXXX I disputed both account # XXXX and # XXXX with Capital One for these two accounts. Capital One sold both accounts to a collection agency. Captial One chose one account # XXXX to request back from the collection company and did not request the second one back. They both have the same dispute errors mentioned. I am requesting the specific reason as to why Capital One chose one over the other when both accounts have the same issue and are listed the same way. 

How can this be fair business practices? I am requesting the details of why they requested this account be removed and returned to them and not both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
XXXX XXXX  XXXX XXXX- ( account number on my report shows : XXXX ) is reporting an account on my credit report. I just noticed it 2 years ago when I had my credit pulled recently. I have never received anything from this company nor did I ever apply for this card. 
I am XXXX years old and a widow and I NEVER go to these types of stores and haven't since I was in my XXXX.. What would I need a store like this for? I can barely walk let alone go shop for underwear. 
When I was in a XXXX in XXXX of 2014 I had my identity stolen and several accounts opened under me. I have a police report and even went to court regarding the theft of my identity. 
I don't know why someone would do this to me. My husband worked at the XXXX and XXXX XXXX and he past away, I don't have any kids or family and I am stuck fighting this stuff that is absolutely not mine. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
This collection with Online Services for XXXX XXXX / XXXX was paid directly to XXXX on XX/XX/19. XXXX stated that they would request that the collection be retracted from Online Services but Online Services is stating they will only report the debt as paid. Per the FCRA, Online Services does not have a valid collection as the original creditor recived direct payment. They are required to remove the debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On XX/XX/2019, XXXX XXXX received my credi transfer request in the amount of {$8600.00}. I received a email from them stating that they had received my request. The transfer was charged to my XXXX XXXX card and I began receiving and paying bills on the {$8600.00} balance. The money transfer was never made to my XXXX credit card and XXXX XXXX will not tell me where the money went. I asked for the 0 % interest transfer to reduce my credit card payments due to XXXX and a long hospitalization. I feel that XXXX XXXX has perpetrated fraud as they can not and will not explain where the money is! I am paying credit card payments now for the supposed transfer as well as the payments to XXXX where the payment was supposed to be applied. I have written XXXX XXXX numerous times to no avail. They do not answer my specific questions, only send me formulated answers. 

XXXX XXXX ( XXXX XXXX ) acknowledged my first payment on XX/XX/2019 and have sent me a second bill on XX/XX/2019, bills for the supposed transfer. Again, the transfer was NEVER MADE! I am  essentially paying for money I have never had the use of! 

I have tried to sign into my account this morning to get the names of the men I have dealt with and XXXX XXXX ( XXXX XXXX  ) has refused me access to my account. 

Please Help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
when I applied for loan loan amout wasXXXX with a payoff of XXXX and my closing acutial was XXXX witch would of been a refund ofXXXX then they called me and said they messed up andput XXXX as the pay off witch I had to make up XXXX I don't know how and if they made that mistake they were the orangial loan and the refinance loan bank .so they redid my loan now its XXXX was185000 and took out XXXX to give me back at closing if I would of went with frist loan I would of got XXXX and appraisal fee back of XXXX they are doing something croked I was forced to sign new loan cause I would have trouble making old payment of 1973 new payment XXXX and frist loan was XXXX please help me understand this I never saw paper work about they put the pay off at XXXX and I asked on a recorded line if I could buy down points and they said I don't recommend that then they did it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: AES/PHEAA
State: OR

Complaint narrative:
I have contacted the company for three months requesting that they correct the information on my credit report. They continue to tell me to wait for 30days and the issue will be resolved and it has not been solved yet. The information they are reporting to the credit bureau is inaccurate and has been for multiple months. I have spoke to supervisors and multiple staffs I just started collecting employee IDs because paperwork that was discussed was never filed. I previously spoke to XXXX XXXX, and XXXX XXXX. XXXX was extremely rude and informed me theres nothing she could do. She also stated she would file a complaint and nothing was submitted. XXXX informed me as well there was nothing she could do to help me. But they have a credit reporting department and was unable to communicate with that department to assist me with resolving this matter.

Company response to consumer: Closed with non-monetary relief