vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, I have been regularly being charged {$2.00} interest on my Macys credit card from past 6 month. I paid all balance in XX/XX/XXXX to bring it to XXXX balance. They went ahead and charged another {$2.00} in XX/XX/XXXX. I called the customer service and reported why they charging me {$2.00} after I paid my balances on XX/XX/XXXX. They agreed to revert the {$2.00} charged on XX/XX/XXXX and they promised it will reflect on my account in 72 hours. I didn't see any account activity after 72 hours and I called them again to follow-up. They said that they will take care of this issue and I don't have to call back. I still see the {$2.00} on my XX/XX/XXXX statement and I called them today ( XX/XX/2019 ) to report the issue. They repeated same statement that they will revert the interest charge and asked me to check in 72 hours. I don't trust them anymore and Its been frustrating experience with macys.com/credit department. I faced the same issue last year with macys and after multiple follow-up calls they reverted the interest that I don't owe. Last year my credit score went low because of macys. I am looking for expert advice and some help here.

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 2019-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
IN XXXX I REQUESTED A PAY-OFF AMOUNT FROM MY MORTGAGE COMPANY. OUR DESIRED PAY OFF MONTH WAS XXXX. I RECEIVED THE FIRST PAY OFF AMOUNT ON XX/XX/XXXX OF {$14000.00} FOR XXXX XXXX. I THEN RECEIVED A REVISED PAY OFF AMOUNT ON XXXX XXXX OF {$15000.00} FOR THE SAME DATE IN XXXX. THIS IS WHEN I DISCOVERED THE ESCROW OVERDRAFT OF {$1700.00}. AFTER GOING INTO THE ACCOUNT HISTORY I DISCOVERED A DOUBLE PAYMENT FOR HOUSE INSURANCE. THE DATES PAID WERE XX/XX/XXXX OF {$2100.00} AND XX/XX/XXXX THE SAME AMOUNT WAS PAID AGAIN AND I WAS CHARGED AN SHORTAGE TO MY ESCROW ACCOUNT. ON RECEIPT OF OUR HOMEOWNERS INSURANCE PAPERS IT STATED THE EFFECTIVE DATE AS XX/XX/XXXX. AFTER CONTACTING PHH ON XX/XX/XXXX I WAS TOLD THE FIRST PAYMENT CHECK WAS NEVER RECEIVED AND THEY HAD TO ISSUE ANOTHER CHECK. EMPLOYEE # XXXX FUNDS WOULD BE RETURNED ON XX/XX/XXXX. ON XX/XX/XXXX FUNDS WERE STILL NOT RETURNED. WIFE CALLED AND TALKED TO EPLOYEE # XXXX. WAS TOLD TO GIVE THEM 2 BUSINESS DAYS TO LOOK INTO IT. NO RETURN CALL. ON XX/XX/XXXX I CALLED AGAIN EMP. # XXXX SAID GIVE ANOTHER DAY AND WOULD CALL BACK. TO THIS DATE NO RETURN CALL AND FUNDS HAVE NOT BEEN RETURNED. WE HAVE ASKED REPEATEDLY WHY ARE WE COVERING THEIR LOSS. WE DON'T UNDERSTAND IF THE PAYMENT WAS LOST HOW WERE WE ABLE TO HAVE THE DATE THAT WE GOT ON OUR INSURANCE PAPERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hey I had a bank account for 6years never had one problem from one day to another one. My bank account was closed I've been waitting for weeks and my check Is supposed to come in the mail and nothing yet. I had a checking account and they closed it too without my consistent. I called several times and they cant give me exact day when I'm going to have my my funds available. And I cant get an answer why my account was closed. From santander bank my name is XXXX XXXX and I've been searching for answers as to why it happened 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 2019-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a balance on my Barclay Card ... XXXX. I asked XXXX XXXX ... XXXX for a balance transfer of {$2000.00}, paid to Barclay Card ... XXXX. XXXX XXXX ... XXXX only approved a {$470.00} transfer. 

I contacted XXXX XXXX ... XXXX by phone at the beginning of XX/XX/2019, because I did not want a transfer in the amount of {$470.00}, I only wanted the transfer if it could be for the full amount of {$2000.00}. I was unable to speak to anyone who could assist me. 

The {$470.00} transfer was sent to Barclay Card ... XXXX, from XXXX XXXX ... XXXX, on XX/XX/2019 and was received by Barclay Card ... XXXX on XX/XX/2019. 

Since I could not get any assistance from Customer Service at XXXX XXXX ... XXXX, I called Barclay Card ... XXXX, around the time the transfer took place, and told them I did not want this transfer, hoping they could reject it. 

Barclay Card ... XXXX said they would take care of it. They reversed the {$470.00} off of my account and kept the payment. They are charging me {$470.00}, even though they received and kept the payment from XXXX XXXX ... XXXX, in the amount of {$470.00}. 

XXXX XXXX  ... XXXX is also charging me for the {$470.00} payment they sent to Barclay Card ... XXXX. 

I sent a certified letter of complaint to XXXX XXXX ... XXXX on XX/XX/2019. They contacted me and told me that if they receive the funds back from Barclay Card ... XXXX, they will reverse all balance transfer fees as a courtesy. But they are unable to do anything until they receive that payment back. I appreciate their response and attention to this issue! 

I have called Barclay Card ... XXXX several times and usually they tell me they will send my account for review, but this issue is never resolved. I sent Barclay Card ... XXXX a certified letter of complaint on XX/XX/2019. I have received no response or resolution to this matter. I have emailed them at XXXX, still no response or resolution. Please help me get this issue resolved. I am being charged the same {$470.00} by both XXXX XXXX ... XXXX and Barclay Card ... 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 2019-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Resurgent Capital Services aka Cach LLC purchased a loan in my name from XXXX, a recent credit report shows the account sold to Cach LLC with a balance of {$12.00}, XXXX. The original loan amount is {$6800.00}, it appears XXXX kept adding on interest and fees after payments ceased due to dispute over terms including interest rate. XXXX has numerous complaints/horror stories on several consumer review sites including XXXX in regard to their high interest rates. Further, it appears they do not take into account credit score when calculating interest as they seem to charge everyone the same high rate of 35 %. Additionally, the account is being reported as over 180 days when last payment was made in 2015, which is well over 180 days. I believe the reason for error in reporting and additional interest is an attempt to collect on debt and harm my credit score. Prior CFPB complaints were made against XXXX regarding interest and terms, none resolved. XXXX and the issuing bank, XXXX, both have complaints against them about this issue. I attempted to resolve complaint with XXXX XXXX at XXXX, he defended high interest rate regardless of my credit score at time of application, nothing was resolved. I also attempted to contact XXXX XXXX at XXXX, the number I called from was blocked so calls would not go through. To confirm this, I called from a different number, call went through but the rep stated XXXX does not accept calls. This loan was applied for online and nothing signed, no forms with my signature. That being said, XXXX has no proof of what was agreed upon, if anything. Please advise Resurgent Capital Services of this information should they make attempts to collect on this debt which includes legal action, also I refuse to pay due to high interest rate which was not agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. i need proof of either own or were assigned the debt from the creditor. and i need a copy of original contract with my signature! please if would like to respond to : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Everytime I use my card on their app my purchase goes through but then they cancel my orders so frustrating call them and they dont care so I cant buy anything online anymore because they wont let me and refuse to fix this issue and concerns my credit card goes through my red card but they wont allow me To place online orders they want me to go to a store then whats the point of having this card if you wont let me Shop online like everyone else not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency TransUnion, XXXX  and XXXX. I have file a police report with the XXXX Police Department

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 2019-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went to a local bar. Ordered food and drinks. The bill came to XXXX. I handed them my credit card. When I signed the slip to return to the bar. I wrote in to add a {$5.00} tip. The next day the owner called me and said the bartender accidentally made the tip {$120000.00}. They said they would contact their merchant and stop the transaction. My account limit is only {$8500.00}. I figured it would get declined if they didnt get it stopped. The bar called me the next day claiming it was fixed. Three days later it posted and was approved. I saw it using my credit card app. So I called the company and disputed it. Obviously. The next day XX/XX/XXXX. The credit card company and the bar both returned the {$120000.00}. So now my credit card showed negative. I contacted my credit card company again to fix the problem. It took till XX/XX/XXXX for them to rebill me. However they processed it twice. So it was two {$120000.00} chargers on my account. Showing again for the second time that I owed {$120000.00}. I called my credit card company back again. They saw the issue and said they were fixing it. I should see it in 3-5 days. It wasnt fixed. So I called again. I talked to their manager. She said she fixed it. I was on hold for over 30 minutes. I was told I should keep checking my transactions to see it was corrected. Again ... after another week it was not. XX/XX/XXXX it still has not been fixed after calling many many times. I now received and email from credit karma. Because of such a high balance and over my limit on a credit card. My score went from a XXXX to a XXXX. Right while I am in the process of buying a home. I called the credit card company on the XXXX of XXXX. To talk to the highest superior in the building. After over an hour. They reassured me that it was fixed and I should see it in 3-5 days .... they would not send me proof in paper or email of it. They also said they sent a dispute to the credit bureau. But that will take 30-90 days before they even look at it. All I did was buy dinner. And this company has been ruining my life with not getting anything done. My credit card is locked bc it claims I owe {$120000.00}. And now my credit is ruined and I lost the house I tried to buy. This needs fixed and no one is willing to do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My card was closed on a {$0.00} balance. Now Wellsfargo credit card attempt to collect {$200.00} on a purchase that was disputed and resulted before my card was closed.

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 2019-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm trying to access Equifax. I've signed up to their web site. But system showed me an error about my account after some verification questions. Non of questions were related with me. I have accessed a person by phone to take help ( which was very difficult ) they told me to send some documents as an identification proof. I've sent them 3 weeks ago. Nothing has changed. Later, I've accessed by phone again. They told that they did not receive or they did not start evaluation about my documents. I've learned my Equifax credit reports from an app ( XXXX XXXX ). There are some hard inquiries and I will dispute them. When I start a dispute process on Equifax web site, it warns me that I have an account and I must login. But when I login, system tells to call a number to solve verification problem. Now I'm in a vicious cycle. And Equifax is doing the worst..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: LEXISNEXIS
State: UT

Complaint narrative:
XX/XX/2019, Lexis Nexis has willfully lied and sent investigation results on XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX stating they contacted XXXX XXXX Courts and verified the above information. I contacted XXXX XXXX Courts on XX/XX/2019 and spoke to a supervisor named XXXX who stated to me Lexis Nexis never contacted them nor would they verify to a credit reporting agency any information as they are prohibited by federal law to do that. So Lexis Nexis needs to verify or DELETE immediately if they can't produce the NAME, CONTACT PERSON, and DATE they contacted XXXX XXXX courts to the CFPB portal. So I can contact the Utah attorney general office against the person who gave them this information. Please provide the proof or DELETE the above files from my lexis nexus consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: OH

Complaint narrative:
My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency XXXX, XXXX  and Equifax. I have file a police report with the XXXX Police Department

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX ' XXXX. I have been a victim of fraud and identity theft. A cell phone account was open in my name without my permission. This account was open with XXXX. I was inform that i had to pay this is account off with a company name XXXX XXXX located in XXXX XXXX MN. that represented XXXX. I was inform i would have to pay this account off if i wanted it to be remove from my credit report. I paid XXXX on XX/XX/19. I would like this account remove from the 3 major credit report agency XXXX, Experian and XXXX. I have file a police report with the XXXX Police Department

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 2019-10-21 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: TX

Complaint narrative:
I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on Equifax as XXXX, and this shows on XXXX  as XXXX XXXX  - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both Equifax and XXXX  -- but shows as reported to the Credit Bureau of Equifax on XX/XX/19 and XXXX on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on XXXX  as XXXX, and this shows on Experian as XXXX XXXX - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both XXXX  and Experian -- but shows as reported to the Credit Bureau of XXXX  on XX/XX/19 and Experian on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have previously followed up and disputed this. On my Equifax report, a debt from " XXXX XXXX XXXX '' shows three incorrect amounts being reported incorrectly under this " XXXX XXXX XXXX  '' and the Accounts and respective amounts are as follows : *Account XXXX - {$110.00} *Account XXXX - {$170.00} *Account XXXX - {$54.00} These amounts should not be appearing on my report and should be deleted since there are no amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing this due to non-compliance with Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. In effort to clear my report of fraudulent information, I discovered that my name is incorrect. This further proves identity theft. The information associated with XXXX XXXX XXXX must be deleted

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 2019-10-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WILLOW BEND MORTGAGE
State: TX

Complaint narrative:
I see on my XXXX  report that on XX/XX/XXXX XXXX XXXX did a hard inquiry on my credit and opened an account. I have NO knowledge of dealing with Will Bend Mortgage nor have I opened any account. They say I paid a XXXX, XXXX, XXXX, XXXX and XXXX of XXXX payment and payments are correct and timely. There is a XXXX credit line of which XXXX is owed. 
I have never made any payment to Willowbend or XXXX XXXX or have applied for any credit with them. 
This is in correct information on my account and would like it removed. 

Thank you

Company response to consumer: Closed with explanation