vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-14 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: PREFERRED CREDIT INC
State: UT

Complaint narrative:
On XX/XX/XXXX I call Preferred Credit to pay off my remaining loan balance early. It was listed on my credit report owing {$170.00}. I call and advise I wanted to pay it off. I was told I couldn't and would have to allow my payment due on XX/XX/XXXX to process and then I could call after and make the payment to pay it off. This did not make sense to me, so I question a supervisor who approved the payoff to be completed on XX/XX/XXXX I was advised that to payoff the balance I would need to pay {$170.00}. I provided my bank information and a payment of {$170.00} cleared my bank on XX/XX/XXXX. On the evening on XX/XX/XXXX I received a notice of my credit score changes. When reviewing the changes I notice I was still being reported of a {$2.00} balance with a minimum payment of {$5.00} being due. I called the automated system and it stated I had a payment due on XX/XX/XXXX. I questioned a representative about this and she stated I was given an incorrect pay off amount. I told her that is not my fault that it was wrong because they did not process the payment until 4 days after I authorized the payment. I asked for a supervisor and the supervisor refused to take the call. I then stated that for the small amount of {$3.00} that they say I owe in order to fully payoff the loan, to satisfy the issue and correct the error on there behalf they should adjust the balance to {$0.00}. They refused. To be done with the company I gave my payment information again and was told the payoff balance was {$3.00}. When the agent went to submit my payment on XX/XX/XXXX she stated that I only need to pay {$2.00} and they would process the payment that day. Then she stated the payment will process on XX/XX/XXXX. She assured me the payment will pay the account in full this time. I would expect a company that provides a payoff amount to take that payment as payment in full. Due to the error on the company behalf the small balance should have been adjusted and an apology provided. Instead I am told I have to pay the amount and didn't even get an apology of any kind for a company error. For working for a XXXX   XXXX  myself I am truly disappointed with the customer service provided and would hope that Preferred Credit gets it together and stops XXXX people over. I would have never known I owed anything if it wasn't for a credit monitoring alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: FL

Complaint narrative:
On XXXX of this year I observed XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX and on XXXX I received a letter ( attached ) requesting my name, address, last 4 digits of social security number, date of inquiry, and reason so Equifax can remove the inquiry. I also forwarded the letter in XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I closed my account and went to a different bank. A couple of weeks later I came back to Wells Fargo and reopened my accounts. I was told by the teller she would open new accounts the same as what I previously had. She opened up different types of accounts then she told me with daily spending limits. I told her the daily spending limits wouldn't work for me and she told me they were temporary and would be automatically taken off within a few days. Upon not being able to pay my rent with my card because of the daily spending limits, I went and talked to a banker who informed me the type of account the original banker put me in was not eligible to have the spending limit removed. I was lied to and taken advantage of by my local Wells Fargo banker.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/2018, my wife and I checked our online mortgage account with Mr. Cooper, aka Nationstar Mortgage LLC. We went to our account profile page and were shocked to see that the recipient listed to receive our account information was the attorney for the opposing party in a lawsuit we filed over a construction dispute and lien action ( " Opposing Counsel '' ). The last person in the world who should be receiving our confidential financial information that is a critical aspect of our law suit is Opposing Counsel. This is akin to giving the fox the keys to the Hen House ( ironically, Nationstar had previously locked me out of my own account due to pending legal proceedings ). My wife and I immediately spoke with a Nationstar representative and told her how Nationstar had shared our sensitive information with Opposing Counsel. The representative 's first words were " oh my XXXX. '' That was the appropriate response to Nationstar 's unconscionable breach of our privacy. First thing Monday morning, we contacted our attorney, who informed us Nationstar 's conduct exposed them to potential civil and criminal liability. Our attorney confirmed that Nationstar actually mailed Opposing Counsel our XXXX mortgage statement and he had received it. It gets worse. Nationstar is a named party in a related law suit. They have been working closely with Opposing Counsel against our interests. The fact Nationstar unilaterally changed our recipient information to Opposing Counsel just when critical motions were being heard by the court is no coincidence. Our confidential information was kryptonite to us and the success of our law suit. Nationstar knew this. Their actions are beyond disreputable and merit the most severe civil and criminal sanctions possible. We are tied up with our current law suit and need the CFPB to champion our cause in this matter. To date, Nationstar and their counsel have refused to offer any reasonable explanation for their unconscionable actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: FL

Complaint narrative:
On XX/XX/2018 I observed a collections on my credit report from Equifax. I contacted XXXX XXXX XXXX and requested verification/validation ( attached ) and received a generic letter ( attached ). On XX/XX/2018 I filed a complaint with CFPB ( attached ) and they received the same generic letter. I again filed a complaint with CFPB and they did not receive a response. I forward all information to all credit bureaus and the account was removed except for Equifax. They stated that XXXX XXXX XXXX provided verification/validation. I have requested that information several times from Equifax and have not received any type of response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: Oklahoma Student Loan Authority
State: OK

Complaint narrative:
OSLA previously had 3 accounts in my name. All sounds have since be consolidated with another company. OSLA is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC.
State: CA

Complaint narrative:
Cash Call has listed a charged off account on my Credit Reports. They were sued by the CFPB and State of California for violation of lending practices and state limits. The debt in my state, CA is invalid.

They claim they did not attempt to collect on the debt, yet they have not removed it from my reports, nor have they ceased collection attempts. The " debt '' is also 7 years old and would need to be removed even if it were a legal loan. 

They also stated that they were to charge {$95000.00} for interest on this " debt '' They have threatened suits and continue to claim the debt is legal went it is not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: OK

Complaint narrative:
XXXX previously had 3 accounts in my name. All sounds have since be consolidated with another company. XXXX is reporting me late in all 3 accounts from XX/XX/XXXX-XX/XX/XXXX. All accounts have never been late and have been in ibr or deferment since opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/18, I signed up for an account with Citibank for a {$400.00} bonus when I deposited {$15000.00} within 30 days and kept the amount for an extra 60 days. I did all of that yet have not received the bonus as of XX/XX/18. I contacted them three times, opened a case on XX/XX/XXXX yet have received no form of communication regarding its status, despite being told it would take 14 business days. I then called XX/XX/18 and their customer service rep said that no supervisors were available, put me on hold for 26 minutes combined, and was then told that no one could help me. This is unacceptable and I deserve the bonus to which I signed up for and met all the terms and conditions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a current capital one card which I use monthly, through that card they offered me another card. I applied for the card, was approved and sent the card. When I got the card it had a restriction. When I called they told me that to life the restriction they needed a hard copy of my drivers license, my social security card, and proof of residency which I could either email, fax, or USPS mail. This is unacceptable, and I will NOT provide that information to anyone and I have never had to provide that before. 
The contact information for XXXX XXXX goes to their call center in what I assume to be off shore, I was transferred a few times but no one took my complaint. 

If I were to provide that it opens me to more risk. In addition why would they not ask for that information up front. I have never had to provide this information in paper form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I recently complained to cfpb that XXXX XXXX was hindering people from wiring me money thru XXXX 's XXXX XXXX XXXX program. XXXX XXXX has responded by informing me that they handle XXXX XXXX XXXX, but not XXXX XXXX XXXX. They confirmed that XXXX XXXX XXXX was handled thru Ria. I thought Ria was part of XXXX XXXX. My mistake. I have spoken to Ria ( XXXX brochure said to call them ) in the past concerning them first accepting people 's cash & providing a confirmation # for funds to be sent to me, but then twice denying me those funds after I provide a copy of my Driver 's License & a copy of the confirmation receipt including the #. This means that the sender must make another trip to XXXX to get their funds back. On both occasions the funds were given back to them. Ria 's response ( I escalated call to supervisor then asked for that employee 's supervisor, but was never called back by this 2nd line supervisor ) was always to have the sender contact them. I'm told their response to the sender was that there was " fraud in the area ''. This seems like a peculiar response since I should be able to pick up those funds in every XXXX in Texas or maybe the nation. What area are they claiming fraud? Ria was asked & they always denied that they had a block on my name, but on two straight occasions within a week apart I was denied after having used XXXX XXXX XXXX successfully on many occasions over the past few years. I feel that Ria is somehow targeting me as a fraudulent receiver & I'm committed to providing anything reasonable to prove to them that I'm not involved in fraudulent activity. I don't know yet whether their actions have slandered my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Viewed online my credit card information on XX/XX/18. Upon signing into and reviewing my account the statement reads " Enrolled in Repeat Payment '' ; below that it stated " No payment is required at this time ''. THIS INFORMATION IS FALSE AND MISREPRESENTS THE TRUE NATURE OF THE PAYMENT DUE. In fact a separate page lists the payment due on XX/XX/18. Barclays asserts that their statement " implies '' that because it lists " Enrolled in Repeat Payment '' that in fact " No payment is required at this time ''. FALSE. 

The crime here is the consumer, ( me ) might assume no payment is required and not list the upcoming required payment in their checkbook causing their balance to be overdrawn, causing overdraft penalties ; and they might inadvertently make a " late payment '' to the credit card company thus incurring late charges and/or interest charges from the credit card company. Furthermore this webpage also states, " Your scheduled payment of {$200.00} pays your statement balance of {$200.00} ''. It should more accurately state : " Your scheduled payment of {$200.00} ( due on XX/XX/18 ) pays your statement balance. A clear intent to mislead consumer for the benefit of Barclays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: OH

Complaint narrative:
I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One called me regarding a request I put in about rewards miles and called me by the wrong name, likely had a different customer 's info up on the screen at the time. It took over 2 weeks to have their executive resolution team contact me to  address. Since then, capital one continues to promise call backs and fails to do then. 4 times I was promised a call back in 24-48 hours and the call back never came. Agents and even managers hang up the phone in customer 's face. Company has  TERRIBLE service across the board.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX  ID : XXXX State : VA Capital One representatives continue to lie and provide misleading information and refuse to escalate the call to the executive relations so that they may assist me with my consents. 
Yesterday they were able to comply with my request but today they reason regulations and laws of the company and they continue to refuse to have the appropriate department to speak to. 
XXXX ID : XXXX ( VA )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 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: CITIBANK, N.A.
State: OK

Complaint narrative:
This is about Citi Bank Credit Card 's price rewind feature. I bought two XXXX prepaid XXXX XXXX from XXXX in XXXX, with a prices of {$240.00} per phone. Before my purchase, I logged in my citi account and tried to see if I can file a claim if the price would change later. When I search XXXX XXXX on citi price rewind website, it did show the EXACT phone ( XXXX   prepaid ) with a big green " track This Item '' button under it, which make me think this item is protected by price wind policy. 

Well, 2-3 weeks after I made the purchase, XXXX does lower their price from XXXX to XXXX per phone. I file a claim to Citi and a week later they requested my credit card statement to prove the purchase and another week later I called and learned the claim was denied, because the phone is a contract phone and they won't cover contract phones. 

I talked with the operator that whether or not XXXX  prepaid phone will be considered a contract phone can be arguable, but why citi list something will NOT be covered on their price rewind web page. If you would deny the claim due to the item itself why citi pretended to ask for my credit card statement and make the process two week long?

I tried to talk to her manager and I missed her phone call once and I requested the second time and the manager never call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I received a letter from the county stating we owed {$750.00} and {$67.00} in late fees for property taxes. This later is dated XX/XX/XXXX. We have until XX/XX/XXXX before we are placed on delinquent tax list. I called freedom and they said this was not paid during the closing process and they will investigate and pay any late fees. They also said this takes an average of 21 days to complete. That is too long and because of their error I will be on the delinquent tax list if it is not paid. I asked if I could pay the amount and they said they would need proof and would not cover any late fees. I have faxed information requested and now I wait and hope they fix this by the XXXX otherwise I will pay it so I do not get penalized for Freedom Mortgage 's mistake!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Profit Services Group
State: GA

Complaint narrative:
I am a service member who visited the emergency room at XXXX Hospital on XXXX XX/XX/2018. My insurance is XXXX which processed two different claims for my emergency room visit. I had given any and all of my contact information at the time of my hospital visit. I left on XXXX for 6 months and when I got back XXXX XXXX XXXX XXXX XXXX GA levied a debt collection attempt against me starting in XX/XX/2018. This was unknown to me until XX/XX/2018 when I had my life alert account notify me that a debt was being collected against me. I immediately notified my insurance which is XXXX and had them contact the debt collection agency informing them that I had a retroactive referral to allow XXXX to pay for the debt amount of {$330.00}. AT NO TIME HAD I BEEN CONTACTED IN ANY WAY SHAPE OR FORM to inform me of a debt against me prior to my XXXX XXXX account on XX/XX/2018. After again having my credit score suffer and another XXXX XXXX notification on XX/XX/2018. I called my insurance again who informed me that XXXX XXXX XXXX XXXX XXXX GA had from time of service 1 year to attempt to settle any debt before collection. I then called Profit Services Group myself in an attempt to try to understand what steps they had exhausted to contact me to make me aware of the debt against me. They said they have called my phone number " several times '' without leaving a message or further contact information. To this date I have NEVER received a phone call, letter, email, or correspondence of any kind from XXXX XXXX XXXX LLC XXXX GA notifying me of any debt of any kind. They informed me that the debt was " my fault '' and that they were " right to collect against me '' from XX/XX/2018 forward. Even after being apart of a phone call to the group with my insurance provider who assured XXXX XXXX XXXX XXXX XXXX GA that the levied amount was once again processed and paid in full, they group remained indignant about correcting or reporting debt against me paid in full to the applicable credit agencies.

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