vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-06 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: OH

Complaint narrative:
On Thursday XXXX I had to made yet another phone call to Capital One to highlight that a credit card transaction deemed to be investigated as fraudulent by Capital One was still charged to my credit card account ( only {$13.00} ) ; this dispute regarding this unrecognized transaction has taken several phone calls and e-mails over the last six months. Supposedly I hadn't provided sufficient evidence to dispute this transaction until I called in ( several phone calls ) to have their customer service representative look into the evidence I had sent in through their document upload system ; apparently this evidence wasn't acknowledged by Capital One until I called in to complain about this inconsistent service. I do not understand how Capital One would advise that an unrecognized transaction should be investigated as fraudulent and the credit card used in conjunction with this transaction should be replaced with a new credit card account number but, at the same time, the customer must be put through several long phone calls not to be billed for a transaction that is being investigated as fraudulent by Capital One. 
Please find attached as PDF the chat with XXXX I had sent to Capital One months ago regarding this fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My home mortgage loan was recently sold to Wells Fargo bank. I have not set up an ACH to pay my mortgage ( {$1400.00} a month ) and have been mailing in my payments with a paper check. I received notice in the mail that my loan had been sold and instructions on where to mail payment. 

I mailed my XXXX payment to Wells Fargo in via check, and noticed that it cleared on XXXX XXXX instead of the date of the check ( XXXX XXXX ). When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I thought it was a fluke. 

I mailed my XXXX payment to Wells Fargo via check on XXXX XXXX. I dated the check XXXX XXXX. I had some money in my account when I mailed the check, but not enough to cover the mortgage payment. I knew I would receive my salary payment o/a XXXX, in plenty of time to cover the mortgage check for XXXX XXXX. My payment to Wells Fargo was processed for payment on XXXX XXXX putting me in a deficient funds status. When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I called XXXX and complained. 

After looking into the matter the XXXX employee informed me that because I provided Wells Fargo a check they can process it as a check payment or as an ACH. I do not believe this is correct. I did not authorize Wells Fargo to process my payment as an ACH. I believe it should have been processed as a check transaction, since I provided a physical check. 

I do not think that it is accordance with financial laws for XXXX to approve ACH from my account without confirming that I have given written approval for Wells Fargo to process as an ACH. I do think that it is in accordance with financial law for Wells Fargo to process my payments as ACH. I am frustrated that I was responsible in mailing my mortgage payments in on time, and dated them within the allowable window. I do not think that XXXX and Wells Fargo should be able to operate like this, and it has taken me a considerable amount of my personal time digging into this. I am fortunate that I have set up over draft protection on my XXXX account, and that I have been reviewing my account activity. This should not be allowable business practice for either bank and I hope that the CFPB can help me get more clarity as to why this is happening, or compensation for the violation. 

With all of the scandals that are going on with Wells Fargo I did not plan on giving them permission to process ACH from my accounts and I do not wish to try and figure this out with them. I do not trust that they will be transparent.

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 2019-05-06 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: KY

Complaint narrative:
On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX XXXX website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for XXXX XXXX. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.

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 2019-05-06 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: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ).  This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX  determined the amount I could afford each month and that is how much I pay. I should not be penalized for  making timely payments that they established.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I ordered two pair XXXX XXXX XXXX embelished leather Stiletto Sandals ( one black and one nude ) from XXXX XXXX ( merchant ) using my Discover credit card. The black pair of shoes arrived with no problem. However, the nude pair never arrived. Instead, what arrived in the package was a pair of worn XXXX XXXX XXXX beige pumps in a XXXX XXXX box ( see pictures attached ) that I did not order. 

When the worn shoes arrived on XX/XX/XXXX, I immediately phoned the merchant who sent me a label to return the shoes back ( see attached ). I immediately returned the shoes back to the merchant with a letter stating the shoes they sent me were not the shoes I ordered. On about XX/XX/XXXX, I received the dirty, old shoes back again from the merchant telling me the shoes were not sold by them. 

On or about XX/XX/XXXX, I phoned the merchant 's customer service number on their letter XXXX. I was transferred to a customer service manager/supervisor in XXXX XXXX, who barely spoke English and was not familiar with consumer rights per the United States. I asked him to start an investigation and send me videos of the shoes being packed and sent to my home, which he did NOT. I told him that he needed to start an internal investigation because either a dishonest employee or courier took my new shoes and sent me dirty, old shoes. The supervisor did NOT care. 

I then turned to the Discover ( the credit card company ) to dispute the purchase charge. Discover pretended to start an investigation and months later add the charge back to the account. Discover decided to side with the merchant. Per the last Discover credit card customer service agent, ( XXXX in XXXX ), I spoke with on XX/XX/XXXX, " she is sorry for what happened to me, but XXXX XXXX is their client ''. I have left several messages for Discover supervisors to call me back but Discover has gone silent and does NO longer discuss the above case with me. When I call Discover,  customer service place me on hold and tell me they do not have any supervisors or managers in the whole institution that is available to speak with me. 

This is a fraud. I have been a victim of consumer abuse and economic crime by two powerful institutions. They stole from me by charging me for merchandise that was never delivered to me. I feel disgusted and overwhelmed with this situation. Discover has given me the run around since XX/XX/XXXX and keep on charging me the {$74.00} to my statement. I pay all my bills timely, however, I am not paying for this item that was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
Two weeks after purchasing a car I received a random letter in the mail from XXXX XXXX. This letter informed me that, after receiving information about my credit score, I would not be able to be approved for a loan. It went on to show that XXXX and XXXX have my credit score at XXXX ... ... and " XXXX XXXX XXXX '' have it at XXXX. This is an absolute scam. My credit score has NEVER been below 800 in decades. I then found online that XXXX has done this exact thing to numerous consumers with page after page of people getting the same results and letters in the mail. XXXX XXXX XXXX is obviously a SCAM and should be thoroughly investigated.

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 2019-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I keep getting calls from Porfolio Recovery. on a debt I don't owe. I havent had a credit card in over 10 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: SC

Complaint narrative:
I have filed a complaint in XX/XX/2019 on Equifax for them to investigate accounts that did not belong to me and I have not received anything on this matter. This preventing my chances of purchasing anything and I want it taken care of immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX had posted 3 collection accounts on all 3 of the credit reporting companies - XXXX XXXX, XXXX & Equifax. one for {$30.00}, one for {$100.00} and one for {$70.00}. These accounts were paid to the collection agency and I have in my possession a letter from the XXXX XXXX XXXX dated XX/XX/2019 that all 3 of these have been paid and satisfied. XXXX XXXX acct # XXXX. I have requested to all 3 credit agencies by letter and by multiple phone calls to have these removed from my credit file.

To date of this complaint, XXXX XXXX & XXXX have deleted these from my credit file. Equifax is REFUSING to remove them and inform me that they will remain for 7 years even after being satisfied. I spoke to XXXX XXXX XXXX and they informed me that they electronically submitted the information on XX/XX/2019, that the accounts have been satisfied and can be removed. I have spoke to several people at equifax and none of them informed me until today that these can not be removed which is innacurate as the other 2 reporting agencies have done it. they also refused to give me a supervisor to speak to. These agencies have way to much power over our lives. 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX opened on XX/XX/2018 balance 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 2019-05-06 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: PA

Complaint narrative:
Fraudulent account XXXX XXXX XXXX opened XX/XX/2018 balance is 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 2019-05-06 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: MN

Complaint narrative:
Theres been a negative account sitting on my credit report since XX/XX/XXXX being the first day they reported it and since it can only be allowed to sit there for 7 years it should have been off my credit report XX/XX/XXXX we are now in May and this needs to be deleted from my file it has already been deleted from two other bureaus but Experian has it sitting in there file for no reason I have asked that it be deleted  immediately because they continue to report it and it is time barred and it is also hurting my score ... thank u

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 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened an account in store with the promotion of zero interest for 12 months in the month of XXXX. I proceeded to create an online account on XX/XX/XXXX so that I could make a payment since I had not yet received my first statement yet. I made a payment of {$40.00} on XX/XX/19 to cover my minimum payment of {$27.00} due XX/XX/19. I then logged in again on or about XX/XX/19 to see that my account is marked past due. I reached out through the message center to inquire and was advised the following : Thank you for your recent inquiry regarding your XXXX Mastercard account, and the opportunity to be of service to you. Please note that you have been approved for a late fee waiver. Once your account has billed, you will either see the fee was reversed or the fee was not applied to your account. We received your payment on XX/XX/2019 in the amount of {$40.00}. Payments in excess of the minimum due received on or before your statement close date of XXXX, are applied to the previous months billing, and not credited to the current payment due. We do not have the option of prepaying the minimum payment due before the new bill generates. Please make a payment after your statement close date to avoid a late payment fee, and to keep your account in good standing. Please submit your current minimum amount due of {$27.00} at your earliest convenience. So I called and responded asking what was due month prior to be advised " nothing, you opened your account '' additionally that my " promotion '' had not been applied to my account and they could not assist my beyond collection until I paid my past due amount of {$78.00}, I tried to explain not past due to no avail and was not able to get the situation rectified unless I paid that amount, which I did not due since it was not due. I paid {$40.00}, over the monthly min. of {$27.00} and should not have to jump through hoops because the promotion I also want to make sure that my credit report is not affected.

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 2019-05-06 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: GA

Complaint narrative:
OnXX/XX/19 I submitted a dispute to Experian online for a method of verification for the Bankruptcy Chapter XXXX information that Experian is reporting on my credit report. On XX/XX/2019 well passed my 15 days allowed to provide method of verification, Experian sent me a response online and I quote " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing for your dispute. Please review your report for the details. '' Then in the Important Messages section it states that " If your report contains public records, the Public Records section includes items from courts that Experian may have obtained through third party vendor XXXX XXXX XXXX XXXX XXXX '' Now this information can not be obtained from XXXX due to the fact an amendment was passed to prevent reporting public information that can not be verified and I provided a copy of a section. " The Judicial Conference recently approved proposed amendments to the Federal Rules of Bankruptcy Procedure and the Official Bankruptcy Forms which will implement the Conference Policy on privacy and public access to electronic case files. These amendments will take effect on XX/XX/XXXX. '' Please Help! I have a copy of Experian response if needed. Now, I notice word games used therefore may have used XXXX was stated but it went on to give XXXX contact information.

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 2019-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: NH

Complaint narrative:
I am tired I am with many problems the bank closed my account I dont pay my lawyer of divorce and impossible now I do the complaint because my ex husband did the file of divorce I did contacts with the XXXX and called to the bank I dont received my check since on XXXX I am on XXXX almost 4 months o had many problems with lawyer and my apartament I dont pay because of bank unfortunately I need find a lawyer of the bank pay damages finances and emotional I would like copy of checks I did deposit but the bank never return bank or pay my check

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Missed two payments in XX/XX/XXXX and XX/XX/XXXX, but I became up-to-date on my payments and paid the entire card off as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief