vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 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: DISCOVER BANK
State: MD

Complaint narrative:
The credit card company Discover card, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a service member, and deploy often. I have called and talk with numerous people. However, they will not remove. I was deployed from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XXXX and will not remove, due to an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
Reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Charges made on XX/XX/2018 in the amounts of {$1400.00} and {$1400.00} initiated by XXXX. Transactions were marked as fraud as XX/XX/2018 followed by a call to Capital One to request a new card and discuss further actions. Charges were pending until XX/XX/2018 when they were posted to account. Another call was made to Capital One and was told charges should be taken off the account in 72 hours. The amount of credit will be frozen on credit line for up to 90 days as Capital One  investigates. 
XXXX is not a company I had heard of prior to this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This is my 4th complaint against PayPal going back to an incident that started in XX/XX/2017. PayPal Answered the first two complaints. In the reply to the first two complaints XXXX XXXX XXXX, Operating Counsel sent me an attachment supposedly showing that the money was put in some account which I proved was not mine I then sent a third complaint proving that the money never got into my Paypal account. My third complaint was never answered by XXXX XXXX or Anyone at Paypal. Why? I mentioned in my complaints that I am not going to let a Multi Billion dollar company use their size and legal team to take advantage of me. I am a senior citizen, a XXXX XXXX XXXX Veteran living on a very limited income, this {$190.00} is a lot of money to me and is a pittance compared to the vast amount of money in your charge. Certainly XXXX XXXX has better things to do than try to deal with me. Is this an ego trip for You or your company. Are you making a mockery of the Consumer Financial Protection Agency? That I have to go through all this bullying by PayPal to get {$190.00} just blows my mind. My name is XXXX XXXX XXXX and my phone number is XXXX, If I do not received a satisfactory reply within 2 weeks, I will send all my correspondence to the each Member of the Board of Directors of PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX Care Credit was reporting to the major credit bureaus that I was an authorized user of a Care Credit account. I do understand that Care Credit can report Authorized User credit history to the credit bureaus. This isn't the problem.

I am unaware of being an " authorized user '' on any Care Credit account ( I had my own, which was paid and closed, a while back ). The account I was supposedly an authorized user on was opened in XX/XX/2014. I've only discovered it because I am trying to buy a house and had to get my report. 

Even though there is a positive payment history, the high balance is hurting me and keeping me from getting a loan. I disputed the account showing I was an " Authorized User '' to XXXX  and Care Credit apparently verified the information as accurate, then updated it to report that the account was my own! This makes the problem worse. How did Care Credit determine I was no longer an " authorized user '' but now, all of a sudden, the actual primary account holder? That's nuts.

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 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Williams & Fudge, Inc
State: KY

Complaint narrative:
A person identifying themselves as " XXXX '' called my place of employment 8 times in one day trying to get in contact with me on XX/XX/XXXX. My administrative staff believed it to be some sort of emergency because of the repeated calls. When I returned to my desk, I called the number that was left. " XXXX '' identified himself as someone working for Williams and Fudge who was looking for who they had reason to believe was my spouse about a " business matter. '' I told him that I do not know who he is and I will not confirm that the person he is looking for is my spouse, again because I do not know who he is. I told him that he is not to contact me again in attempts to contact someone else. I told him explicitly that he does not have my permission to contact me at work looking for someone else. I repeated myself that he can not call me at work and asked him if he understood. He said that he did. 

Today, XX/XX/XXXX ; a man identifying himself as " XXXX '' from Williams and Fudge called me at my place of employment saying that he had to " talk to me about a business matter with my spouse. '' I recognized the name of Williams and Fudge again and said that I spoke with someone from there weeks ago that they do not have my permission to call me at work looking for someone else. I repeated myself and told him not to ever call me at work looking for someone else. I then hung up. 

I believe they are harassing me. Calling constantly and ignoring my demands that they not contact me at work when they are trying to actually contact someone else. I refuse to confirm with them whether the person they are looking for is my spouse because again I do not know who they are or for what purpose they are trying to contact this other person. Regardless, they have been told multiple times that they do not have permission to call me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
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: Weinberg Mediation Group LLC
State: MN

Complaint narrative:
Received a Robo Call from XXXX, an Illinois number, but the message stated it was Weinberg Mediation Group ( according to their website, based in New York ).

Message states, " This is a final courtesy call from the Weinberg Mediation Group. Before reporting that you've been uncooperative in the investigation against you ... '' ( pause ) " If we do not hear from either yourself or your legal representation today, we will be left with no recourse other than to report your noncompliance with this issue to the proper jurisdiction. Our office number is XXXX. '' ( repeats number ) The number in the message also does not match what is on the Weinberg website so I did not call it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: VA

Complaint narrative:
I APPLY FOR INTERNET PAYDAY LOAN ONLINE THROUGH XXXX XXXX ON XX/XX/XXXX. FOR THE AMOUNT OF XXXX. AND MY INTEREST RATE WAS XXXX PERCENT. THEY WOULD BE DEBITING MY CHECKING ACCOUNT EACH MONTH FOR XXXX EACH MONTH. I MADE MY LAST PAYMENT ON XX/XX/XXXX I COULDN T AFFORD TO PAY IT BECAUSE OF THE HIGH INTEREST RATE THAT THEY WERE CHARGING ME. THIS ACCOUNT APPEAR ON MY EXPERIAN CREDIT REPORT ON XX/XX/XXXX AND IT WAS SHOWING 120 DAYS LATE IN XX/XX/XXXX AND 150 DAYS LATE IN XX/XX/XXXX. STARTING IN XX/XX/XXXX IT SHOWED 180 DAYS LATE FROM XXXX ALL THE WAY TO 180 DAYS LATE TILL XX/XX/XXXX. WHY WOULD IT SHOWED THAT FOR 28 MONTHS THAT IS XXXX TILL XXXX OF XXXX. I FILE FOR BANKRUPTCY ON XX/XX/XXXX WHICH THIS ACCOUNT WAS DISCHARGE UNDER MY BANKRUPTCY ON XX/XX/XXXX. THE VIRGINIA FEDERAL COURT ALEXANDRIA DOCKET NUMBER IS XXXX. I CONTACTED BUREAU OF FINANCIAL INSTITUTION IN REGARDS TO XXXX XXXX ON THE CREDIT REPORTING ON WHY WOULD THEY HAVE MY CREDIT REPORT ON HAVING SO MANY 180 DAYS LATENESS AND I WAS INFORMED THAT THEY ARE NOT LICENSE IN VIRGINIA FOR INTERNET PAYDAY LOANS. I EXPLAIN THAT I TOOK OUT A LOAN IN XXXX AND WAS AGAIN I WAS TOLD THAT ARE NOT LICENSE IN THE STATE OF VIRGINIA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Have had a Citibank Credit Card since 1982 and I was charged high-interest rates. I should be illegible for a refund however, I have not received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: MD

Complaint narrative:
The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: MD

Complaint narrative:
The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/XXXX i spoke with someone in the escrow department of fifth third bank. After a long discussion i came to the conclusion that i would cancel my escrow account as i do not require one having a VA loan. the person i spoke with said i needed to send them a letter stating i wanted to be removed from escrow. I hand wrote a letter and faxed it to the number given to me by the person in the escrow department. On XX/XX/XXXX i called to find out the status of my escrow account, and be sure that they were closing it and sending me the balance. I was told by someone different that they did not have the fax, that it would be another 24-48 hours. So i called back on XX/XX/XXXX to check on the status, and was told again by someone different that they could not locate my letter and requested i email it to her specifically and she would resubmit it and it would take another 24-48 hours from the time she submitted it. 
Totally irritated now i called back and got someone else again, and she told me they found my fax, and they just opened the case. and it would be resolved by Monday the XX/XX/XXXX. and not to send the email as it would prolong the case. I called again to verify the case was resolved and my escrow was closed and the balance was sent to my house. I got someone else again, telling my they are waiting for a fax that i was told not to send and nobody is even looking for the fax what happened to it or wanting to resolve this issue. There are no contact information for the corporate office, so there is no way to contact anybody that might even consider helping resolve this issue. and every time i call back i get someone different and a new story. 
i want my escrow account closed, the balance sent to my home address and a new calculation for my mortgage without escrow and the coupon sent to my house. 
if they cant handle that I may be forced to take my mortgage elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FRANKLIN LOAN CORPORATION
State: CA

Complaint narrative:
I am a mortgage broker that worked with a home buyer for over a year preparing them to qualify for a home.The borrower found a home and used the listing agent to represent them. The list price for the home was {$280000.00} and the listing agent 's representative, XXXX XXXX XXXX license # XXXX required the buyer to be cross qualified with a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX. The borrower approved me sending a complete loan package, far more than what a traditional cross qual would require. After the buyer was cross qualified, the listing agent then submits to the buyer a counter offer, raising the price $ XXXX higher than what the property was listed for despite there were no other competing offers. I believe this occurred after the MLO saw the buyer could qualify for a higher price. The counter offer also stated in writing that the buyer must go with XXXX XXXX XXXX. The buyer called me to complain saying that the seller is paying nothing towards any of the buyers traditional costs and that the listing agent representative, told him the only way to get this home would be to use XXXX XXXX or the buyer would not get the house. This agent did not in any manner whatsoever, act in a fiduciary responsibility to the buyer and I believe violated real estate fiduciary laws. I also believe the loan officer, the realtor and the seller, who is an investor flipping properties, are in collusion to control the whole transaction and to employ an appraiser that will give the home this inflated value. The house is far above any other price in the neighborhood. I believe the realtor, loan officer and seller/investor are participating in some manner of " steering ''. The buyer not only confirmed with me that he had no choice in choosing his own lender, but also the lender he is being forced to use is charging him a higher rate and fees. 

The actual listing agent, XXXX XXXX XXXX # XXXX is also the company broker and I do not believe he at anytime supervised his representative 's actions as required by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I was unaware that someone open a XXXX account in my named until I received a notice of me owing {$1100.00}. I called XXXX to report identity theft and explained the situation. XXXX from XXXX told me he would handle it and that someone will be calling me. No one ever called me or contacted me regarding this matter. 
Today I received a collection notice form AMSHER Collections Services for the Amount of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I leased a XXXX vehicle through Chase for a XXXX XXXX XXXX XXXX. 

I was sent a letter from Chase bank notify me that if I released another XXXX, they would pull me out of up to five payments. 

When I went to the dealership, they informed me ( basses on what Chase told them ) that I had eight payments left on my car. The dealership agreed to make three of those payments for me, and that would satisfy my obligation. 

It turns out that I only seven payments were owed on the car, and had the bank accurately notified the dealership, my negotiations with them would have been differently based on the fact that I did not owe as much as the bank was stating. 

This indicates deception, or at a minimum misleading information being provided to both the dealership and me as consumer. 

Whats more, the bank continued to bill payments after I turned in the car ( on XX/XX/XXXX ) and as of today, they have given me no indication that I will reimbursed for those payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX I reached out to XXXX  regarding incorrect information reporting on my XXXX report regarding Americollect. On several occasions XXXX responded that Americollect had been verified as mines. However upon my request no proof of verification was received from the above mentioned companies. I also attempted to contact Americollect directly by certified mail on XX/XX/XXXX where I still have received no response from the collection agency as of date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2015 I desperately requested for CFPB to please listen to my complaint and give me a resolution.. I am now again desperate and frustrated and after providing six or seven financial packages, I am now desperate. 
I now do not qualify for I can no longer use my wife as a contributor. We are legally married. However she is not on the mortgage or the deed. My wife has always contributed. We purchase this home together for our children. 
I began to default on our mortgage when she was injured and was not able to work. I lost her income then an now again for Chase FHA guidelines no longer accepts a contributor on the loan. She i s my legal wife. She i s now on social security XXXX .. This is my primary residence.. I want to preserve my home. I want to make payments. 
Chase has taken their time in providing a resolution and I am now incurring a larger balance besides the fact that my home does not appraise. .I also had to hire an attorney to expedite the process. 
I have appeal various times this loan. What else could I have done to maintain my home. 
My wife now has social security income and I work full time. Please I want Chase to provide me a work out plan that i s affordable..

Company response to consumer: Closed with explanation