vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, MI XXXX ( XXXX ) Attention : XXXX XXXX XXXX XXXX XXXX XXXX Chief Compliance Officer Reference to : CFPB Complaints # XXXX # XXXX # XXXX plus This complaint! 
plus Attached 4 documents to this Complaint. 

As of XX/XX/2018 I have yet to receive the refund check that XXXX XXXX XXXX has several times now has stated that the refund check " has been placed in the mail '' as agreed, but has failed to actually comply with! 

XXXX of XX/XX/2018 states a refund has been issued on XX/XX/2018! As I have informed you that I have not received this refund and the address listed on this letter is almost 2 years old and the home has been foreclosed and vacant for the past year! 

Letter of XX/XX/2018 then states that a refund was issued on XX/XX/2018! Again I informed XXXX XXXX XXXX via email on XX/XX/2018 that I have not received the refund and also due to a change of address error with the USPS that all mail is being forwarded to my son 's home! Since every piece of mail received  from XXXX XXXX XXXX has been with the USPS service of " Return Receipt Requested '' this mailing would have been returned to the sender! 

Also, an email sent to XXXX XXXX XXXX general email along with an email to XXXX XXXX, the Chief Compliance Officer, both on XX/XX/2018. To which there has not been any response from either XXXX XXXX XXXX or the Chief Compliance Officer, even though I requested them to email me a response.

I also subscribe to the USPS Informed Delivery Service that emails me a photo of all first class and traceable items each day, in either case no such mailing has been recorded from XXXX XXXX XXXX. 
It's now been 46 days and 4 Consumer Financial Protection Bureau ( CFPB ) complaints and still do not have XXXX XXXX XXXX 's refund as stated they would provide in CFPB complaint # XXXX response XX/XX/2018 and their letter if XX/XX/2018! Also CFPB complaint # XXXX response XX/XX/2018 and their corresponding letter. 

It's apparent that XXXX XXXX XXXX has not actually mailed a refund check for this issue since ALL other correspondence has not had any problems being mailed and delivered in a couple of days. Yet after 7 weeks their refund check has seemed to consistently get " lost '' in the 40 miles or so journey to my mailing address! Why? 

RESOLUTION EXPECTED That a certified check in the agreed amount of {$520.00} USD be IMMEDIATELY mailed by certified mail with tracking or hand delivered to me! Sufficient notice and all tracking information be given prior to mailing for certified mail or sufficient notice for hand delivery. To ONLY this address! 

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Also a photo copy of certified check and all delivery information be attached to XXXX XXXX XXXX 's and Capital One 's response to this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent in all proper documents to XXXX  and Equifax to dispute items on my credit THAT ARE NOT BEING REPORTED CORRECTLY AND THE ISSUE 'S ARE NOT BEING CORRECTED ... XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
The work is 100 % completed from fire damage. The XXXX XXXX  has paid the Freedom mortgage, the mortgage company needs to release the funds once the work has been completed. The work has been completed and they claim that we need an inspection in order for them to release the funds and they have not send an inspector out to do the inspection or released the money. That is the problem, we have contacted different persons and have received different answers. They claim that it should only take a couple of days and every couple of days you get a different excuse to why they have not sent an inspector out or released the money. Borrower has given me complete written authorization to negotiate with Freedom Mtg. for this fire repair. I will include the Authorization. 
Original request was made over 30 days ago, Freedom Tracking # 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 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I received a charge for annual fee and within 30 days of charge appearing on statement requested in writing to cancel the card and reverse the annual fee. Bank refused saying previous month 's statement informed me that I would be charged for the annual fee. I had not seen this on the prior month 's bill, as it wasn't actually a charge, and would have cancelled the card a few weeks earlier if I had. I'm attaching the bill where I received this " notice '' so that you can see it is not something that would jump out at the ordinary person paying bills. I have not used the card and do not intend to use the card and asked for the bank to cancel the card.

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 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
When I purchased my first home in XX/XX/XXXX, I contacted several homeowner insurance companies for quotes in late XX/XX/XXXX/early XX/XX/XXXX. One of the companies that I contacted was XXXX XXXX for a quote. The quote that I received from XXXX XXXX was not the most competitive and so I decided to go with another insurance company. Shortly thereafter, XXXX XXXX started sending me letters demanding that I pay the insurance premium on a policy that went into effect on XX/XX/XXXX or else XXXX XXXX would cancel the policy. I called and informed XXXX XXXX back in XXXX that I did not agree to a policy and that I had only requested a quote and requested that they resolve the problem within their systems. XXXX XXXX did not fix the problem and eventually cancelled the policy on XX/XX/XXXX. Rather than fix the problem, they sold the debt to XXXX XXXX XXXX who has been intermittently sending me collection letters demanding that I pay {$220.00}. I have called multiple times requesting documentation that I owe this debt but have been told that XXXX XXXX XXXX doesn't have paperwork to prove such. Each time after I explain the situation, I am told that XXXX XXXX XXXX will fix the problem, but i continue to receive letters. Most recently XXXX XXXX XXXX sent me another letter on XX/XX/XXXX, requesting payment again. Again, I requested documentation and proof that the debt was a valid debt and was told that they did not have any such thing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a card with Capital One - about two years ago I experienced a financial hardship ( divorce & my mother unexpectedly passed away ). I was forced to pay both rent in XXXX XXXX and my mortgage. I understand that the default was my issue and I had an agreement w/ Capital One to make monthly payments, which I failed to do for a a few months. The account did not charge off, but instead is restricted. 

I called and spoke with an employee and was told that once an account is restricted it's basically closed until I pay off the balance. I understand this as I did miss several payments, but why not just close the account if they have no intention of restoring use? 

Where I take issues is 1. they have effectively closed the account ( as I was already told the account will never be reopened. ), they do this to avoid Reg-B requirements to issues an adverse action notice and 2. they have the audacity to continue to charge me a membership fee of {$39.00} for a membership I can not use. 

This is abusive as it take unreasonable advantage of me as a consumer. I'm not asking for a handout, like the one Capital One got from the government during the XXXX recession, but to be treated fairly. If they are going to close the account, close it and stop charging me membership fees. They aren't a credit union anyway - how can they have a member fee? They are losers who failed multiple times in the mortgage space. They have a history of UDAAP violations, as evidenced by the XXXX consent order where they were tricking customers into signing up for their credit protection / monitoring service. 

Lastly, I set up autopay to pay {$100.00} a month until the {$700.00} balance was paid off, they stopped drafting the {$100.00} and began to only draft {$15.00} - which will take forever to payoff - another UDAAP violation. They should change their name to UDAAP Bank N.A.

Capital One needs to be investigated for their continued UDAAP. Enjoy the read XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I applied for credit check services with Transunion, in about XXXX or XX/XX/2018. They had advertised it as " free credit checking '', and from then on, at least once a month, was charged a recurring {$19.00}. These charges have been taken out of my account for several months, without my knowing, and I never thought to check my bank statements, as I never knew they would be charging me in the first place. My bank won't help with disputing charges, so I need to come to CFPB. 

I have called Transunion, and of course they ask me all of my personal information just to get into my account. They couldn't help me since I initially filed online. They gave me an online account referencing phone number, but was able to cancel my subscription online. I have submitted here to the CFPB a screenshot of the email I received this morning from TransUnion, acknowledging my cancellation request.

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 2018-08-10 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: MI

Complaint narrative:
I contacted Experian on XX/XX/XXXX regarding a tradeline reporting on consumer credit report, that has a number of documented egregious errors. I have been paying on an installment loan regularly since last year ( XXXX ) and have proof of payment. However from XXXX - XXXX of this year ( XXXX ) I have an anomalous reporting of 3 back to back 120 days late for EACH month. Besides not not being late at all. the structure of the reporting is wrong for the following reasons : to be 120 days, one must first be 90 days late, to be 90 days late one first be 60 days late and to be 60 days 30 days. NONE of which are reported leading up to the first insistence of being 120 days late, further.If I have not been paying my account then subsequent to the first instance of being 120 days late, I should be 150 days next and then finally 180 days late. Understandably this reporting errors have caused great harm to my ability to secure personal AND further business funding. If we reason that if It was reported I was 30 days late at anytime in the past AND it were true in XX/XX/XXXX it  would have been now 6 months ago and my credit score would of been recovering from a single incident of only 30 days late, not an undocumented pop-up of 120 days in the middle of the rolling 6 month snapshot.

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 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
On XX/XX/2017, we purchased a home from a new home builder, Dreamfinder, in XXXX, TX. The builder, Dreamfinder, had a preferred lender they associated themselves with, and part of their promotion was that the lender, PrimeLending, would pay the first 3 months worth of Taxes, HOA, and Home Insurance. We shopped around with different lenders and found a lender that offered a less expensive interest rate at that time. We had a lender that was quoting us half a point less than the Builder 's Preferred Lender. The company, PrimeLending, said that because they were associated with the Home Builder as the Preferred Lender, they would be able to beat that deal and offer me the promotion of first 3 months of Taxes, HOA, and Home Insurance paid for me as part of the closing costs. When the Tax Bill came out at the end of XX/XX/2017, the Tax amount due was substantially higher than when what was pro-rated when we closed on the home. In other words, at closing, we received a tiny Tax Prorated credit of {$770.00} instead of the actual 3-month tax that was {$3900.00}. That's a difference of {$3100.00} that I had to pay out of my pocket. I have gone to the Loan Officer for over 6 months now, and they are not responding to my requests and keep telling me they are " looking into it. '' I am hoping your Organization may be able to assist me in this matter.

I appreciate your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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:
The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX XXXX 5 . XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On about XX/XX/2017 I had a American Express Serve pre paid credit card I used for purchasing items and Renting automobiles at certain times, I actually lost the card and I contacted customer service as soon as I lost the card, They really gave me the run around for about 3 to 4 weeks, They also were suppose to send me a new card with my funds to be transferred onto the new card, but nothing happened. Money is still on the card there was {$2000.00} on the card, I am asking for the amount that was on the card. Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently opened two credit card accounts with chase. Both applications had to be manually reviewed before they were approved XX/XX/18 and XX/XX/2018. It took multiple phone calls to Chase to get the cards approved. I discovered on XX/XX/2018 via my account online page that all accounts were closed. I called the fraud department and they refused to reopen the accounts because of too many new accounts. I have never been late on payments and always complied with the credit Terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted Capital One multiple times between the weeks of XX/XX/18 through XX/XX/18. I am unable to make an account online to be able to pay my future bills. I keep being told that I had an old profile and that they have to delete my profile in order for me to recreate an account. I was told I would be called back. Eventually I was called back was told they were still having issues with this problem. I was then hung up on. When I called back, I was told that it would be another 10 days to fix the issue. I need to be able to pay my bill online and Capital One is not following through on me being able to create my account that I am having issues with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
Repeated calls 5 to 10 times a day every day, I have repeatedly told them when I am able to pay I will call them and do not call more than once a day for the past month.

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 2018-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I get paid on the XX/XX/XXXX of each month and my credit payment XXXX of the month. so basically since XXXX they added {$140.00} dollars late fee. So i try to call and fix and get back to my {$75.00} a month payments and they say no pay {$300.00} and if not pay {$75.00} but we still gone charge {$38.00}. no real help like most companies wont let me change the dates or any adjustments to help me get back on track with payments. I contacted them to try to work something out XXXX & XXXX no help at all

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 2018-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I told them months ago to refrain from calling or email and to contact me by USMail only. They actually called my sister in Georgia, who has no interest or responsibility in the debt and is not a point of contact. I never gave them her information and they had no right to contact her. So i called them and I said i told u not to contact me any way other than by mail and why are u calling my family about this? You are violating my privacy. He started yelling aggressively, " we tried calling you over 350 times in the last month and we couldnt reach you! We are not violating your rights we are attempting to locate you! '' I said I told u not to call me, to only contact me by US Mail and Im telling you again. And he continued to talk over me saying i never told them not to call, I never answer the phone etc so i hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA

Complaint narrative:
Complaint against Franklin American Mortgage. 

A payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for XX/XX/XXXX payment. The payment cleared the bank on XX/XX/XXXX. 

Another payment of {$800.00} was sent to them through Bill pay for {$800.00} on XX/XX/XXXX for the XX/XX/XXXX payment. The payment cleared the same day. 

XXXX XXXX XXXX applied the payments to the wrong account. 

When I received a letter stating my mortgage was past due, I called. I faxed proof of the payments on XX/XX/XXXX. This proof - which was straight out of the checking account with reference numbers was not enough. Bill pay had to get involved. They called me at work and informed me of a past due balance - without every reading the notes on my account that two payments were being researched. Every time I called to check the status, they were unable to locate information or had not found the payments. The payments and past due amounts were finally applied to my account after I faxed the proof of payment 6 different times to their  company. I called today to make sure they were updating the credit bureau, they reported the mortgage delinquent two months in a row. I had already requested this in writing, but nothing was being done. She said it would take a minimum of 30 days. I explained to her that it literally takes a minute for her to fax a letter to the credit bureau stating it was reported in error.

This company is unprofessional. They are worried about receiving their money but are not concerned with helping you when they have misapplied the payments. They also are not interested in correcting their mistake with the credit bureau.

I DO NOT RECOMMEND EVERY HAVING A MORTGAGE WITH THIS COMPANY

Company response to consumer: Closed with explanation