vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
The company I have a problem with is CareCredit Synchrony Bank. The amount charged to this card was paid. However, as we got close to pay off the company, for an unknown reason, stoped sending paper statements to my address. I call the XXXX # on the back of the care on 3 different days and the computer system and live persons told me there was a XXXX balance on the card. Later, we ( my husband and myself ) got automated calls about the account. When we finally were able to speak to a human, we were told we missed the payoff date and now owed XXXX. After a long conversation, I was told we were no longer getting paper statements because they were sending statements to an email address, which we do not check. This person also found not tell my who or when this statement change was made. To the best of why calculations we have paid full amount charged on the card. To date the amount is over 3000.00 dollars. Also, the last call I received from this card company the lady told me " I see you have a XXXX balance, how may I help you? ". It appears to me their system does not see accounts correctly. I feel this card company has used unethical practices to charge excessively high interest rates. I have told my story to several people at this company, yet no person in management has contacted us to resolve this matter.

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 2019-06-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express customer for 22 years. Originally it was for my company, a small TV production company that has worked on mostly children programs. Over the years I never had an issue with American Express. In XX/XX/XXXX my business was severely affected by the wildfires that swept across XXXX XXXX county, in that my primary client lost his home and was unable to continue our work together. This crippled my business. 

For the next several months I tried desperately to save the company that has my name since XX/XX/XXXX. In XX/XX/XXXX I was seemingly out of the woods, when, due to the stress, I suffered what is known as a XXXX '' XXXX XXXX. I will spare the details, but it's safe to say that I nearly lost my life that night. 

When I awoke one morning, I found that my personal Am Ex card had been sent to collections and my online account had been shut down. Now, keep in mind, I have never missed a payment on the personal card. Never even been late, or had any issue with it. It was just swept up in the handling of the corporate card and sent to a different company to be serviced. When I called the customer service department, I was told there was nothing they could do to help me. Even though I had made all my payments and had never been late, there was nothing anyone could do. The card was at the collection agency, end of story. Now I am faced with having to settle a debt that I was paying regularly on, but now must pay in one lump sum or they will report to the credit agencies. How can this be? 

In addition, the collection agency that bought the Corporate card debt has, on some days, contacts me up to five times, demanding that I resolve that debt. 

I am obsessive about my bills and staying ahead of them. This is why I am so concerned about this. I am being punished for something I did not do and have no control over. 

Please help me with this. There has to be something that can be done. American Express must not be allowed to treat people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX tried to charged me multiples times large amount of money from my saving account and I never authorized XXXX  to charged me any money from my saving account. and because I don't have enough funds when they tried to charge me from my saving account so Citi bank charged me 4 times of return check fee. 3 times of {$34.00} and one time of {$68.00} and Citi charged me {$170.00} total of return check fee but they only agreed to gave me two times of {$34.00} back which its {$68.00} and they aren't willing to give me rest of {$100.00} back and I am not happy about it, since it's unauthorized transaction in my account cause saving account charged me the return check fee and since it's unauthorized why am i responsibility to pay for the overdraft fee charge from 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 monetary relief
Consumer complaint received 2019-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
During the month of XXXX 2019, I lost my credit card and fraudulent charges were on my account for my Chase Amazon Visa ending in XXXX adding up to {$4000.00}. I contacted Chase Amazon Visa and notified them of the charges. There was a fraud case started and they applied a temporary credit to my account. In XX/XX/2019 they reversed the charges back to me. I contacted Chase and was told that they had multiple evidence that the charges were made by myself. Since I knew that was FALSE I asked them to provide me the so-called evidence. I was provided with screenshots of the orders going through which only shows the purchase and email, address, and phone number which, is NOT enough evidence in today 's technology world. The email on the order is not my email, the phone number is not my phone number or any other connection to myself. I made a police report within the city I reside in and I provided Chase Amazon Visa the police report and I asked them to re-open the case since they had false information of the order being placed by myself. I was provided a letter after and said they found no evidence of fraudulent charges and I would be responsible for the charges. When asking what they are basing their decision on and to provide me in writing of their conclusion, I was told they can not do that. As a consumer, I am entitled to know what I am paying for and why also, why I am responsible for an email and phone number that is not mine. I am contesting their decision and charges placed during XXXX 2019. I would like the Consumer Financial Protection Bureau to evaluate this situation and help since my rights have not been exercised from Chase Amazon Visa ending in XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, My credit has been in good standing with several banks as I have been paying down my balances across the board and have never missed a payment. I reached out to several banks for a credit line increase and was granted them without question. One of the banks where I submitted an increase with was with Bank of America, which ultimately denied the increase request. 

I called their credit cards department and spoke with their manager for an explanation. They said primary factor for the denial was my utilization rate, which I found quite odd since I have been paying more than minimum payments across all cards which should have reduced my utilization since the last review. To add salt to the wound, they actually REDUCED my current credit limit by {$1400.00} which will effectively hurt my utilization rate even more than they claim it to be. I've never experienced or heard of such a thing. 

During my conversation with their manager, she became very demeaning and condescending with her comments. Saying that I'm very bad at managing my money based on my overall credit debt and that reducing my credit is better for me. I politely asked that they revert my limit back to what it was originally and she aggressively said that I had no chance. I then proceeded to ask if her boss or a high-level member would hear my case and she said that there's no point in talking to them and that the decision has been made. 

This was just a slap in the face to me, my family, and the effort put forth to be in a better place financially. Denying the increase is understood, but a reduction is just unheard of and not the least justifiable ( particularly since I was just increased by other banks ). To show no respect to a loyal customer left me no choice but to file this complaint. It just seemed like the right thing to do. I just don't understand how a business can operate this way. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: TX

Complaint narrative:
Equifax and XXXX  are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I filed a dispute with Equifax concerning an account that popped up on my credit report for XXXX XXXX. It stated that it was a closed account, was OK in XXXX, XXXX then 180 days past-due. They showed the last payment in XX/XX/XXXX. The note said it was a closed mortgage account that the collateral was released on with a balance owing. I filed the dispute stating that this was not my account. I sold my house several years ago and had never heard of this company and have never paid them anything. 

On XX/XX/XXXX, I received an email that Equifax had completed the investigation on XX/XX/XXXX. I tried several times to access their website but it does not work. I called their XXXX and spoke with a man who spoke very poor English. He started giving me the results from a dispute that I had filed years ago, not the current dispute, even though I had given him their confirmation number. He then told me that he would take my dispute information over the phone. I gave him the information listed above and he gave me a new confirmation number XXXX. 

Today, XX/XX/XXXX, I received an email from Equifax that the investigation was complete. I again tried the website to no avail. I called the XXXX number again, gave another man who spoke even worse English my information and my confirmation number. He asked several questions to verify my identity, one of which was where was my mortgage and how much was the payment. I told him that I do not have one. This is the account that I am disputing but my former mortgage was through XXXX. He told me that he couldn't verify my identity and that he couldn't help me. I asked him where he was and he told me that their offices were in XXXX. I asked again if that is where he was speaking to me from and he said no, he is in the XXXX. That is quite un-nerving. I gave my information to someone in the XXXX, something I would never have done. 

I looked at my credit report on XXXX XXXX following the call and the account I had questioned had been moved from closed to open and 180 days past due. All my other accounts show a 100 % payment history because I make sure to pay them all on time. This has given me a XXXX point hit on my credit score for something that I have never heard of, did not open an account in XX/XX/XXXX or any other time and is not an open account that I have anywhere. 

Not only was an investigation not done that I can tell, I can not even access the information through the available channels as the website does not work and the calls go directly to the XXXX where the language barrier is formidable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I got XXXX to correct my XXXX sometime between XXXX and my doctor set me up with XXXX XXXX through XXXX XXXX  to finance the {$4800.00} XXXX. I paid {$200.00} a month until the balance was down to {$1200.00}. 

As a graduation gift to me, my dad paid the {$1200.00} balance off on my behalf. The first attempt was an online payment and at first it was accepted, then later rejected for some reason. I called XXXX XXXX customer service and spoke to a representative who resubmit the payment over the phone and confirmed that everything processed correctly. A couple days later, we checked my dad 's account and confirmed the {$1200.00} had finally been debited. 

I thought nothing more of the transaction until 2-3 years later I was in collections for over {$3800.00}. They claimed my second payment was denied as well so they added {$2600.00} in fees, closed my account ( which removed my online statements ), wrote my debt off, and sent me to collections. That debt collector has since sold the debt to a new company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am complaining about Experian and XXXX credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as Experian my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX and XXXX  # XXXX all need to DELETED and REMOVED immediately from my Experian credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!

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 2019-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My husband and I have had some recent financial hardships over the past couple of years due to some family sickness with our family, rising cost of living with little or no increase in income, damage to our house due to recent storms in our area, and the cost of putting our oldest of our two daughters through college and the youngest who is still in middle school. Due to these recent activities we have feel behind with our mortgage through Wells Fargo Home Mortgage Company. We have been in communication with Wells Fargo in an attempt to do a mortgage modification loan since XXXX of XXXX which was advised by a Home Preservation Specialist from Wells Fargo by the name of XXXX XXXX. During the time we have been in communication with Wells Fargo to setup a loan modification our home was hit by Hurricane Michael in XXXX of XXXX which caused some damage to our home with some flooding to our kitchen and hail damage to our roof and some leaks to our ceiling. We reported this damage to our insurance company and to Wells Fargo at which time we were told that may qualify for a program for home owners that were affected Hurricane Michael. While this was going on we were told not to worry about making any payments and the damages to the home would need to be repaired before any resolution to our modification would be resolved. Due to all the homes in our area and state that were affected by Hurricane Michael it took our insurance company a while to get an adjuster out to see the damages to our home and issue and check to Wells Fargo for damages and repairs to be issued to a contractor. As of XX/XX/XXXX the repairs have been made to our house and Wells Fargo has sent out people to our home to take photographs of the repairs on three different times. As of XX/XX/XXXX Wells Fargo sent us a letter in reply for our request to a modification saying it was denied and we have been approved for a short sale instead. We also received and letter on XX/XX/XXXX saying we could reinstate the loan by paying an amount of {$9600.00} by XX/XX/XXXX. We do not have this kind of money to save our home from possible foreclosure and felt due to Wells Fargo delaying and dragging their feet we have been put in an impossible situation.

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 2019-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of  the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

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 2019-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have a mortgage with BB & T. When I first got my mortgage 4 years ago, I immediately discovered that BB & T does not apply interest correctly. We pay our mortgage in excess each month, spread out over 2 payments. BB & T uses a suspense account and does not apply our payment timely. This is a violation of Federal Law {$15.00} U.S.C. 1639f. It is also a violation of the mortgage agreement that I have with BB & T which only allows for the use of suspense accounts if the loan is not current. My loan has never not been current. 4 years ago I reached out to CFPB about this issue and BB & T promptly corrected the issue. At that time, BB & T admitted that their system was not capable of processing the payments correctly and that I just needed to call to have it done manually. I reached out in XX/XX/XXXX of this year and asked them to correct 4 years of payments. I also have found a discrepancy in terms of how BB & T accounts for the Escrow payments. The total balance of my Escrow account does not match the total on my annual escrow statement. 2 forms prepared by BB & T do not match each other. BB & T owes me somewhere in the neighborhood of {$5000.00} based on how the interest is applied. It's been 2 months and BB & T has not gotten back to be despite promising to do so. My contact at BB & T is XXXX XXXX, she is very nice. The person she passed my issue off to has not responded. 

I ALSO BELIEVE THAT THE CFPB SHOULD INVESTIGATE BB & T BECAUSE OF THESE ISSUES. IT'S VERY LIKELY THAT CONSUMERS ARE BEING TAKEN ADVANTAGE SINCE BB & T CAME OUT AND ADMITTED TO ME THAT THEIR SYSTEM DOES NOT COMPLY WITH FEDERAL LAW.

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