vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made an arrangement with XXXX XXXX XXXX XXXX XXXX to pay {$220.00} for settlement of debt to be paid by XXXX XXXX, XXXX. I call the company on XXXX XXXX, XXXX, and spoke to a XXXX XXXX XXXX. I made the payment that same day using my debit card. XXXX XXXX sent by email the payment receipt dated XXXX XXXX, XXXX. I notice on my XXXX XXXX, XXXX, on my credit report for synchrony bank / JCPenny account in the comment section that it was purchased by another lender. So I contacted JCPenny and they told me that XXXX XXXX XXXX has this account. I asked why and told them that I had paid the account with XXXX XXXX XXXX. The representative told me that they did n't have any information concerning this company or payments and I would have to contact XXXX the lender. I contact XXXX XXXX and spoke to a XXXX XXXX concerning the issue. She told me to email to her the receipt of payment and she would get back to me. I received an email from her stating that the document I sent did n't show that the original creditor was XXXX that it was XXXX XXXX XXXX. She told me to contacted XXXX XXXX  about the payment and XXXX XXXX XXXX. I told her I did and they advise me to call her company. I asked her if she could send something stating that this payment was received to Experian Credit Bureau and XXXX XXXX / XXXX. She told me that they sent out this information to the credit bureau in XXXX XXXX and the company does n't do this anymore and she could n't help me. Therefore I should contact XXXX XXXX XXXX and XXXX XXXX again.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Contacted XXXX XXXX XXXX and XXXX XXXX XXXX and they told me that the information concerning settlement was paid had been sent to Experian XXXX XXXX XXXX in XXXX of XXXX. Experian reply was that they had not received this data from the debt collectors.So I sent to Experian the paid receipt from XXXX XXXX XXXX. Experian reply was that they could n't accept the proof I sent them to make any changes to 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 non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX/XXXX/XXXX I logged into my Wells Fargo account and saw that there was an overdue balance of {$27.00}. When I called, they said that they upgraded me to a XXXX XXXX card since I was a valued customer and that because of this upgrade, my payment increased to {$62.00}. They replied that I was suppose to " Opt out '' if I did not want this card. After much ado, they agreed that they would write off the {$27.00} and " downgrade '' my card but that I am still considered past due. I then asked if this would inpact my credit score and they said yes, it was possible. I did not charge anything and did not authorize an increase or upgrade. They should not be allowed to charge more money anytime they want and then say to the consumer that it is our job to " opt out ''. 

Why is a company allowed to upgrade me and charge me more money without my consent? This seems to be what got Wells Fargo in trouble to begin with. 

I have asked them to provide me with a letter so that I can send to the credit bureau since they said it most likely was reported as being a late payment. Someone is supposed to call me back from claims management. Ridiculous practice! 

Please review this practice.

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 2017-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I previously had a problem with Ocwen Mortgage Company ( XXXX # XXXX ). 
My escrow account has been a problem since the loan was taken over in XXXX. Ocwen 's states there was a problem when they took the loan over in XXXX.I attribute the problems to fraud and bad accounting. XXXX XXXX my escrow analysis showed I had a deficit and my mortgage was going up {$82.00} a month. My taxes stayed the same and my insurance policy went up {$20.00} for the year. Where is the money going? My escrow shows XXXX insurance policy payments XXXX XXXX {$540.00}, XXXX XXXX {$670.00}. Also the same on the new XXXX analysis shows XXXX insurance payments for XXXX XXXX {$690.00} and {$670.00}. 

Ocwen sent me an escrow analysis and they totally omitted XXXX 's payments ( I beleive they realize they dont add up ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Consumer Real Estate Finance Co.
State: AL

Complaint narrative:
Hello my name is XXXX XXXX XXXX XXXX. We were told we got a pre approval to purchase a home through Consumer Real Estate Finance Company ( CREFCO ). We had some concerns regarding a previous property that was included in a chapter XXXX bankruptcy and foreclosed upon. We wanted to make sure that this was not going to be an issue before we put an offer in on a home. We received an email back from XXXX XXXX a loan officer with CREFCO on Tuesday XX/XX/XXXX the read " Because the home that went through foreclosure was included in bankruptcy. we should not have any issues through underwriting ... '' After puttiing an offer in on a home and investing {$500.00} earnest money down, paying for a home inspection at the cost of {$300.00}, and FHA inspection at the cost of {$540.00}. and a re-inspection of {$170.00} for a total of {$1500.00} we are told that we can not get a clear to close because the foreclosure date that the title was transferred out of my name was XX/XX/XXXX. As this company claims to be FHA financing experts they should have known when asked before I invested any money that there would be issues. We asked and counted on their professional opinion that has now cost me XXXX and we can not get the home because of the exact issue we asked about up front. They should be held responsible for negligence and ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, XXXX, I canceled my auto and home owners insurance policy with USAA. At the time we also canceled the auto draft associated with our insurance account. The auto draft came from our Checking account which is also with USAA. On XXXX XXXX, XXXX, without our permission, XXXX XXXX charged our account via auto draft, over {$400.00} for funds due on the canceled account. This resulted in an overdraft on our account. 
I contacted the XXXX XXXX department who referred me to the USAA Checking services. When I contacted USAA checking services to file a complaint, I was told there was nothing they could do since it was USAA Insurance that took the money. Apparently at USAA if something illegal is done between divisions, they have no interest in addressing them. 
My wife and I did not authorize this charge or release of funds. USAA has illegally accessed our checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.

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 2017-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have been contacting Discover about my student loan account since XX/XX/XXXX They had accounting issues on their end which offset my balance. Two people contacted me, as well as sent e-mails and letter saying I did not pay on my account ( which I did, and those reps ended up finding those payments and then adding to the confusion by saying I missed another months payment, which I then had to clear again as well ). I provided proof of payments multiple times. I have even paid more than the amount due most months, so my balance makes no sense to me. I have been requesting a detailed payment history be sent via mail to e-mail to me, and no one has done so. I believe my balance is wrong or I would have been contacted at least by phone. Now, these " missed '' payments have hit my credit report eve though I warned them of that as well. I have almost every e-mail or message I 've sent them, on top of the proof of payments I 've also had to send in more than once. I really ca n't have this. I can provide more documents to prove I 've been reaching out, please just let me know if you need me to get more. They typically respond with a generic e-mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 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: GA

Complaint narrative:
I 've tried contacting Experian time after time after time about an item reporting on my credit file and every time they send me a letter saying the item has been verified without sending me proof of how they verified this item. My letters that I sent over provided detailed dispute requesting that they validate this item and send me proof that it 's my account along with the proof they received proving this. If they used real people to process and read a letter that I sent I think its clear that this item has errors that show it 's not a valid item its listed that its a 156 month term with a {$300.00} payment on an {$8600.00} loan it does n't take a rocket scientist to know that the math does n't add up and either Experian isnt really verfiing the info and are allowing wrong info to be reported which is a violation of the FCRA or my request is just being ignored which is also a violation of the FCRA. They should n't be allowed to continuously ignore consumers request and provide only half the info requested without showing proof of what info I asked for.

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 2017-12-18 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: DC

Complaint narrative:
On XXXX/XXXX/XXXX, I submitted a request to Transunion asking to have XXXX public records deleted from my credit report because they no longer met the new minimum federal guidelines for reporting. Transunion responded by stating the information was correct ; but they never addressed the initial request to remove the aforementioned items because they did not contain the minimum consumer identifying information. I submitted a second request on XXXX/XXXX/XXXX and included copies of the public records with the missing consumer information, however Transunion has failed to respond.

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Main Street Personal Finance
State: AL

Complaint narrative:
The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: MI

Complaint narrative:
I am disputing American Express ' presentation of three auto-payments that were not authorized by me, and were not applied to my American Express account ( in the total amount of {XXXX} ). I did not notice the fraudulent withdrawals until early XXXX as my husband was in and out of the hospital for many weeks. I contacted American Express help desk and was told that American Express could n't help because the bank was the one that authorized the payments. I then contacted XXXX XXXX, and they did review the transactions, but they explained that payments are made to American Express based upon the information American Express provides. 
Attached is a print-out of my account showing all withdrawals made by American Express. 
In addition to withdrawing unapproved funds, the withdrawals were not credited to my American Express account. 
Attached are copies of my American Express account covering the fraudulent withdrawals which show that the withdrawn funds were not credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx 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 non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing on behalf of my minor child she is XXXX i received her credit report from all three bureaus and everything is wrong from job, all the addresses, year of birth and even accounts i am enclosing her birth certificate, social and my id and bill only address she lived was XXXX XXXX XXXX XXXX tx 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 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/2017 I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I was there to verify my identity for a wire transfer I had originally initiated online. I brought with me several forms of identification and initially dealt with personal banker XXXX XXXX. XXXX XXXX took my documents and verified my identity. He then called someone on the phone ( presumably in a different department charged with initiating wire transfers ) and subsequently informed me they could n't complete the transfer for " security of the account '' reasons. I insisted as to why, my money could n't be transferred to another institution when I had come to the bank, in person, and verified my identity with three separate forms of identification and was myself requesting that they initiate the transfer. I requested to speak with the Branch Manager ( one XXXX XXXX ) who parroted back the same refrain " we can not do the wire for security of the account reasons. '' I informed XXXX XXXX and XXXX XXXX that this was n't a valid reason since the money was mine and on deposit with the bank, and I had met all of the requirements for initiating a wire transfer. I told them that if they continued to refuse to initiate said wire transfer without providing reasonable grounds I would consider their actions highly prejudicial and discriminatory and pursue further action against both. This is why I have come to you ( among others ) to help weed out this sort behavior within our banking institutions. It is unacceptable to refuse service to a customer that has gone above and beyond to satisfy all requirements without providing a legitimate reason for why service has been refused. I ask that you take immediate and swift action against Chase Bank and it 's employees ( XXXX XXXX and XXXX XXXX ) so that no other patrons are harmed, as I was, by their wanton, careless and XXXX treatment of customers.

Company response to consumer: Closed with explanation