vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

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 2019-03-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

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 2019-03-08 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: RFNA, LP
State: MS

Complaint narrative:
XXXX is allowing creditor to report false information on my credit. One is XXXX   XXXX among others. Account that are closed are still on my credit file this is ridiculous. Ive been having this problem over a year. I have no score for XXXX XXXX   period. I see Im going to need to hire someone to look into this. I keep reporting things and they keep happening

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Claim XXXX My account was compromised and my information stolen there was a transaction done for a withdrawal in the amount of XXXX. I have filed a police report and it was determined according to the authorities that someone stole my information and withdrew funds from my account. Wells Fargo denied my claim within less than 24 hours without properly investigating the claim. XXXX the claims adjusters blatantly lied and said the claim was denied because the transaction was done in branch but it was actually done at the drive thru. When I called the branch and spoke with XXXX he stated there is no way to know where it was done and the drive thru and in the branch would both state the same. It is up to a Wells Fargo to investigate fully and provide their customers with adequate information regarding the investigation and not lie. As a customer I am appalled that my claim was handled unfairly and not according to banking guidelines and federal government regulations.

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 2019-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I NEVER OPENED A CAPITAL ONE CREDIT CARD AND THERE IS ONE SHOWING UP ON MY CREDIT REPORT AS LATE I DID NOT OPEN THIS ACCOUNT THIS IS NIT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
Due to the defective escrow calculations in my mortgage, the lender increased my monthly payments by {$450.00} a month, beyond what I can afford. To correct this problem I am attempting to refinance my mortgage since the six month waiting period mandated by FHA has expired. This refinance is time sensitive as it has to be complete before the lender pays the next property tax bill this month which puts the escrow account into a negative balance. 

To make this happen correctly, I contacted Plaza to get the automatic draft of the mortgage payment from my bank account stopped and the tax payment delayed. I was assured both verbally and in writing that both of those things had been done, yet Plaza still drafted the payment out of my bank account. This has put the brakes on my refinance as it has totally changed the payoff amounts and affected closing costs.

I have been in contact with Plaza several times over the last two days since they did this and am getting nothing but run around. They promise calls back that never come and can not provide any explanation at all as to why they can not just fix their mistake. Their actions, whether spawned out of complete incompetence or being done out of a willful attempt to prevent my refinance so they can continue to collect interest, are going to cost me a substantial amount of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I received an alert from XXXX  that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NM

Complaint narrative:
I sent 2 payments to Ocwen Loan Servicing, LLC, back in XXXX of XXXX, only to have them returned. Each time Ocwen takes longer and longer to return these payments making the interest and penalties to compound faster than usual, thus making it More difficult to catch up on the loan. I sent a complaint to CFPB. They contacted Ocwen, with my complaint. It seems Ocwen has a reputation of doing this very thing to many other people in the past. I believe what Ocwen is doing is Illegal. The United States Government also agrees. Ocwen sent me a letter saying they would accept {$2300.00}. I sent them {$2300.00} 0n XX/XX/XXXX. They sent it back today, XX/XX/XXXX. I do not know what to do? I am getting further behind on this loan. I do not know WHY Ocwen will not accept my 2 payment check. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I made a late payment in XX/XX/2019 of what I thought was enough to cover my past due amount. I was unable to determine the past due amount because my statements are not being sent to me electronically and also are unavailable on the companies website for me to access. By choosing electronic statements it is my understanding that the company is required to provide via email and or make available online which neither is being done. As a result I incurred a 30 day late because my payment amount had changed and my {$50.00} XXXX payment was short {$22.00}. I have since paid the additional amount to bring account current.

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 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
I had filed a previous complaint and listed it as wrong original creditor they werent Speedy Cash but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about Speedy Cash. I attempted to clear this matter with them by filing a dispute through Transunion and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One is reporting my account as owing {$700.00}. I have paid this amount and have attached the electronic receipts from Capital One confirming my payments. It has been two billing cycles and they have not updated my account as paid. This incorrect reporting is harming my credit score and is a Fair Credit Reporting Act violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fifth Third Bank is classifying Balance Transfer Fees as " Purchases '' on their credit cards instead of counting the balance transfer fee as part of the transfer itself. This has resulted in consumers being charged interest rates as high as 29 % on the balance transfer fee when taking advantage of a 0 % APR balance transfer offers ( with a 3 % balance transfer fee ). 

Because Fifth Third Bank applies payments to the lowest interest balance first, they make it impossible to avoid this bait and switch on the balance transfer fee interest charge. 

I attempted to point out the misclassification of the balance transfer fee as a purchase to Fifth Third Bank on XX/XX/2019 and they replied on XX/XX/XXXX : " Balance transfer fees are processed as purchases and the purchase interest rate is applied for Balance transfer fee. '' No other bank I have ever dealt with classifies Balance Transfer Fees as " Purchases '' and this is obviously a tactic to incorrectly charge interest to the consumer that they should not be paying. A balance transfer fee is not a purchase and should not be charged or classified as such. Furthermore, this classification was NEVER stated in any of the balance transfer correspondence sent by Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
Please read attached file it Has the complaint details along with clear and convincing evidence this collection should never exist knowing the facts stated in details in the attached file. 

Threatening and suggesting negative consequences on my credit report sustain. This company didnt do what it said it will. Playing those tactics of vague replying not answering the real question this complaint asks all the violators of rights to answer. Why this collection if its works on behalf on XXXX or why not XXXX used the auto payment which is valid to get paid for what it alleges that I owe? If anything legitimate or if its charges are legitimate, what prevents XXXX from debiting my credit account that it did regularly and I never stopped XXXX? Showing off all those paper? I have documents I could use to sue thus collection and XXXX both and I reserve right to do so any time without prior notice and without waiving my rights .so checking my credit today using my XXXX basic credit monitoring service and I saw this Sprints collection from source Receivables Management ( SRM ) ( correction on the exact name of the current collection is Source Receivable management ) still on my credit file or report .another important thing. I never claimed fraud to anyone in regard to this matter. XXXX created that by itself and it will assume responsibility for saying something I didnt state .you need to comply to law after u showed you all the proofs that XXXX is not serious about getting paid and they broke their policy of auto payment and I have copy of that policy. They need to have a life and let me on peace before they receive a legal summon from a U.S Marshall and then it would be late to settle because you will all pay big legal price. Please dont say something I didnt say in my complaint. Your interim response before is rejected at its entirely and stop threatening and harassing me. those desperate tactics from all the violators to cause me more harms than theyve done already, It is noted and it will be used in a court of law if necessary. 
All stated herein is to my current state of knowledge belief and understanding and it is subject to anything or any correction by me only at any time without prior notice and without waiving my rights. Please refer to the attached file for more factual information with proofs attached within the file. Does XXXX or SRM have any court order to abuse my rights?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Had an 800+ credit rating for 8 years until XXXX XXXX XXXX became grossly negligent in the handling of my dispute and subsequent inaccurate credit reporting. 

- XXXX updated my home address and updated all credit reporting companies with an address that was not mine. 
- No correspondence was received regarding any disputed balance amount. XXXX records can confirm this mistake and my address was updated. 
- XXXX reported negative feedback on my credit report. 
- To mutually resolve XXXX agreed to a new balance due of {$680.00} which was paid immediately on XX/XX/XXXX at their request. 
- XXXX then reported I had an outstanding balance of {$160.00} to credit agencies and listed me a charge off - Upon contact I agreed to pay an additional {$160.00} as noted below to finally clear up their mistakes - Now they have listed a charge off on my account in excess of 3k which never existed nor is owed. 

XXXX XXXX XXXX XXXX is dangerous and incompetent to work with. I have been trying to clean up the mess they made of my credit history for over a year. Absolute negligence on their part.

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 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Agency refused to give their name. They were attempting to collect a debt that was discharged in XX/XX/2010 through a Chapter XXXX bankruptcy. They are in violation of a court order. 

Their phone number they called from was XXXX. 

They said to call back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I noticed 2 recent Inquiries on my credit report that I do not recognize nor did I give permission to run my credit. The first one says University XXXX XXXX on XX/XX/2019 and the other one says XXXX XXXX XXXX on XX/XX/2019. I tried to dispute these on the Transunion website but they did not have an option for that so I called the Transunion customer service and they would not allow me to dispute the fraudulent inquiries that I did not allow. They said I would have to get a letter from the companies which makes no sense to me. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am in the process of paying off my 15-year mortgage ; i.e., making the final payoff. There have been complications, and I asked for a full accounting, in writing, of what is due, They agreed and also said the payoff date would be XX/XX/XXXX, which would give me time to review the paperwork. This was on XX/XX/XXXX. But then they kept calling me after that as if the arrangements had not been made. They called twice on XX/XX/XXXX, once on XX/XX/XXXX, and twice today, XX/XX/XXXX. I told them I considered it harassment and that I was awaiting a very important medical call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TN

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX/XXXX  - account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 

These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these coding errors be corrected! This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I applied for the new Personal American Express Gold Card on the XXXX of XX/XX/XXXX through the website. The promotional offer that I applied with was the following : XXXX American Express Membership Rewards Points after spending {$2000.00} or more within the first 60 days of account opening. The website explicitly called out this offer and confirmed that I was approved for the card with that promotional offer. The website DID NOT call out that I was INELIGIBLE for this offer. I also satisfied all the conditions listed out on the application page to qualify for this offer ( including but not limited to " not having received the bonus on this card '' previously in my lifetime ) I received the card and started making purchases on it in order to meet the goal for the promotional offer. Between XX/XX/XXXX and XX/XX/XXXX ( 60 day period ), I spent {$3100.00} in eligible purchases towards this offer. 

In XXXX XXXX, I called Amex to inquire about the missing promotional points. At this point, I was told by the Customer service agent and her manager that I was INELIGIBLE for this offer. She confirmed that I was eligible for the offer when I applied but I was marked ineligible to receive this bonus on or around XX/XX/XXXX by the Membership Rewards team for reasons unknown. 

Upon questioning why this was not communicated to me immediately after the decision was made, she tells me that it is AMEX policy to not communicate these things out until the customer asks for it.

To be clear, this " rejection '' decision was not communicated to me proactively in any form until I explicitly asked for it. Amex was perfectly happy to let me spend money while knowing all this while that they weren't going to honor my promotional offer.

They offered to open a support case to investigate this and have NOT gotten back to me in over 2 months with any resolution.

Problem 1 : Incredibly misleading advertising of the promotional offer and its eligibility conditions on the credit card application page and refusal to honor the offer that I was explicitly approved with Problem 2 : Shady business practice of silently refusing to honor the offer and not proactively communicating a decision that would actively affect my spend with them.

For context, I've been a customer of Amex for 8 years now with a perfect track record of paying bills and I've been treated like dirt in this case.

Company response to consumer: Closed with monetary relief