vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I have a GM Credit Card through Capital One. I gave a hotel in XXXX, IL my card for " incidentals '' and was charged for a bottle of water in my room for {$4.00}. I did authorize this transaction. I was charged an additional, separate charge of {$210.00} in which I did not authorize. I previously booked my hotel stay online with another credit card and I paid that in full before my stay. I contacted Capital One/GM Cards the day the transaction posted to my account, as I got a notification that it was posting. It has since been over 3 weeks since I notified them, both by clicking " dispute item '' on their website, and also by writing their customer care center to indicate the exact information I 'm sharing with you. I have not yet heard from them and I still have the charge on my account. I work for a financial institution in the Financial Crimes Department. I am completely familiar with Reg E and the requirements for providing provisional credit within 10 days. They are not in compliance with this regulation and they have not communicated anything with me in over 3 weeks. This is completely unacceptable and they should have to answer for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There is unknown Wells Fargo credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 2017-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Integrated Recovery Services
State: WI

Complaint narrative:
I received a phone call from Intgrated Recovery Services regarding an installment loan that I could n't finish paying. I asked if I could call back after I checked the information out. I found that I did take the loan out. I could not remember this company when I was first contacted. I called back the same day to see what kind of arrangements I could work out. The first man I spoke with was busy so I got another man. I told him that I had never received anything in writing to validate the collection. I know I owe the pay day company but was n't sure if this company had bought the debt. I wanted a notice in writing. They asked if an email was ok. I said that I wanted it in writing by mail. The guy started yelling at me telling me that Trump had changed the laws and I am going to lose and I should just pay my bills and my tricks do n't work. Trump changed laws and he is not on my side. I 'm finished. I find that to be so belligerent and rude and honestly scary that someone would speak to me that way when I just wanted some validation that this company actually bought the debt. I only borrowed {$300.00}. It ca n't be that hard to make an arrangement once they verify that they actually bought the debt from XXXX. XXXX. I do n't want to call them back and be talked down to and screamed at. I did n't treat them that way and ca n't participate in resolving the issue if they cant be professional. I also do n't know why they find it so difficult to send me something in writing to validate the debt. Legally they have to sdnc something in writing notifying me of the debt. I have never dvdn received any collection notices from the original creditor. I find it fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a CRA billing and payment problem with Chase Amazon Card # XXXX issued to me, XXXX XXXX. Chase notified XXXX only that I paid my bill " more than thirty days late in ithe XX/XX/XXXXbilling cycle. As a result, I had my perfect payment record destroyed and two creditors closed their credit accounts! Chase made a mistake. Under FCRA rules, Chase Card must mail me a statement each month so I know how much I owe. they did not mail me any statement. Chase claims to have sent electronic statements but, I did not receive any. Since last XX/XX/XXXX, I have been treated for XXXX and in the hospital. I do not see any computer statements at all. Under Federal and NYS consumer safety rules, I am not liable for any debt that is not mailed to me timely each month. However, I did pay the bill due during the XX/XX/XXXX ( attached ) statement cycle. I called up on XX/XX/XXXX and made a payment for {$210.00} by phone with Chase. However, Chase did not attempt to collect this check by phone. Chase just returned the check after making one attempt to collect it on XX/XX/XXXX. Federal and state consumer laws prohibit creditors from punishing consumers until they have collected the check at least twice. A check in NY is not considered NSF until it has been returned three times. Just to make sure I did make the payment, I called up and asked why the check was returned. Chase advised me to speak with a manager. I asked the manager on XXXX XXXX to accept a check for two payments for {$480.00} so the XXXX and XXXX cycles were paid. Please know the manager at Chase agreed to manually apply the {$210.00} due on XXXX XXXX and apply the balance due for XXXX XXXX cycle for {$270.00}. SO CHASE GOT THEIR MONEY AND THE STATEMENT PROVES THAT. The XXXX XXXX attached statement shows that I paid {$210.00} on XXXX XXXX. The XXXX XXXX attached statement shows that I paid {$500.00} which covered two months of payments. Please remove the creditor statement that states " more than 30 days late '' on the XXXX Credit Report for Chase Amazon Card # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX, I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from XXXX XXXX XXXX Attorney XXXX XXXX, XXXX, on behalf of NATIONSTAR MORTGAGE and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sentXX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: CA

Complaint narrative:
On XX/XX/17 I emailed XXXX from Clear Path Lending to cancel the refinance. On XX/XX/ I received a call from XXXX XXXX to reconsider. I was emailed a 6-page proposal. I emailed back and canceled. XXXX XXXX called me back to ask me to reconsider and I said that I did not like this refinance because Clear Path Lending has raised my mortgage from {$400000.00} to {$410000.00}. I explained that was too high and asked why I am being charged {$13000.00} for a re-fi and thought that was too much. So, I said cancel. After I said that over the phone, a XXXX XXXX XXXX from Clear Path Lending came on the line to convince me that I would receive around $ 5000/6000 back. When he stated that I decided to go ahead with the re-fi. I called on XX/XX/17 and XXXX answered the phone and I asked when will I receive the $ 5000/6000. I asked to speak to XXXX XXXX. He said that XXXX was no longer working there. I asked about the money I was to receive and he stated to me where do you think that money is coming from. I told him about our conversation on XX/XX/17. He said he would call me back. He didnt call me. I called again today XX/XX/17 and told me he would call me back. He didnt. I never received the {$6000.00}. I would have never gone with this plan. I was tempted by the cash back. Also sent to BBB & FCC.

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 2017-07-21 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: CA

Complaint narrative:
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 2017-07-21 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: CA

Complaint narrative:
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: CA

Complaint narrative:
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

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 2017-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Applied for a credit card with capital one. Terms and conditions were 0 percent through the XXXX XXXX. They have not upheld those terms and conditions. I 've call on several occasions. First being XXXX XXXX. They requested I mail or fax a copy of those terms to them. I opted to mail them. I waited two weeks for a response. Heard nothing. I called back on the XXXX. They kept telling me they never received my what I mailed them. They never corresponded at times they said they would. Please help me hold Them accountable. They 've wasted me time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for credit with a company ans was told that I did n't have credit. I proceeded to pull my own credit with Equifax monitoring service. To only discover that they have fraudulently removed credit lines from my report without my permission of a dispute and without the creditors permission. They also put derogatory information that was disputed and found not acceptable off my credit were put back on. They have updates on previous credit reports but as of XXXX XXXX and XXXX XXXX my report shows no updates as of 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I have been getting phone calls from ( XXXX ) XXXX for the last past month. Every day 4 to 5 times a day. This company said that I owe a payday loan that went into collections. I ask for proof in writing and they avoid the question. I spoke to a woman she want give me her name. She said the Local Police Department has been notified and they will be at my door to arrest me if I do n't pay. In XXXX 2010 I did get a Check into cash loan, but I paid it off. Now they are calling my place of employment harassing them about this loan. I called and ask them to stop calling. This man answered the phone saying that he was the manager. He would n't give me his name. He stated he will continue to call my cell number and my place of employment until I pay {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have 2 store cards with XXXX XXXX and I lost my job on XX/XX/XXXX and havent been able to pay the minimum balance. On one of the cards I suppose to have the CC protection that would protect me if I lost my job. I talked to XXXX around XX/XX/XXXX or so to ask for some type of payment extension because I otherwise pay early or on time and I pay extra. They refused and now I get at least 25-30 calls a week from unknown numbers and numbers with area code ( XXXX ) and ( XXXX ). It has gotten so bad to where I had to block the number and now I have 31 voice messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Credit reports shows late payments to Navient fromXX/XX/XXXX - XX/XX/XXXXwhich is Not accurate since these student loans were Always in Forbearance. At that time I was unable to make payments. First payment made to Navient was in XX/XX/XXXX, since then enrolled in auto-pay and payment made in a monthly basis automatically. Please Navient, resolve this since I was never notified of this, nor called to my personal phone, I was always contacting XXXX XXXX - Navient to ask for Forbearance options, I always did what I was advised by Navient customer service. My commitment has been always be in good standing with the loan provider, proof of that is my auto-pay enrollment since I was able to pay back to Navient. Please help and support. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I paid off a collection with this company over a month ago now. They assured me it would take at most 30 days for the collection account to be removed from my credit report. It is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: TX

Complaint narrative:
I paid off a collection with this company over a month ago now. They assured me it would take at most 30 days for the collection account to be removed from my credit report. It is still showing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: MS

Complaint narrative:
On XX/XX/XXXX-17 I received a letter dated XX/XX/XXXX-17 informing me Discover increased my credit line to XXXX. I Did Not request this. I also do not want this to affect my credit score. I contacted the company and after 25 minutes got no where. Please help they have very poor customer service. Why would they increase my limit without my consent. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 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:
EXPERIAN CREDIT REPORTING agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number EXPERIAN CREDIT XXXX XX/XX/2017.

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 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XX/XX/XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: MI

Complaint narrative:
XXXX XXXX XXXX agency complaint of online and written correspondence disputing account inaccuracy ; they willNOT update or remove fraud accounts and Identity theft. FOR EX : XXXX XXXX is in dispute ( loan discharge ) due to identity theft, also, reported to FTC. Showing debt to income ratio error. All accounts are individualized and old accounts discharged by chapter XXXX and not reported correctly. Only have 2 open credit accounts at this time, but my report shows accounts not mine. Denial of credit due to fraud, account inaccuracy and identity theft. Online access denied report number XXXX XXXX XXXX XXXX XXXX2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of fraud and have since put a fraud alert on my file..I recently took a look at my credit reports and saw a overwhelming amount of inquiries that I do not recognize nor do I recall authorizing..I stated my concern to all three credit bureau 's through a complaint with the BBB to no avail in regards to having the inquiries removed.

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