vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I applied for a Capital One Secured MasterCard and was approved in XXXX, 2018. I had to EFT {$390.00} to a secured savings account in order to receive a {$500.00} credit limit. I received my card XX/XX/2018. I did not activate it immediately because I was told by Capital One Customer Service I could increase my credit line to the {$1000.00} maximum by not activating it and call a representative to transfer the additional funds. I called their Customer Service line this A.M. ( XX/XX/2018 ) and was told my account had been closed by Capital One. After being cut-off twice I finally spoke with someone in the " appropriate department '' that said my account had been closed because of information on a background check they did on me. I never approved, in writing, a background check to be pulled on me, which is the law. I have to expressly authorize in writing, which I did not. I have open checking and credit accounts with the two largest banks in the U.S., XXXX and XXXX and this was NEVER an issue. I think Capital One is violating the law by opening secured accounts for individuals and pulling background checks without the applicant 's written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my Experian and XXXX  credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.

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 2018-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: MO

Complaint narrative:
Are use a company called prime lending and the agents name was XXXX XXXX XXXX was very misleading and also very unprofessional and doing the paperwork to be able to close on my loan in a timely manner. XXXX continually was making mistakes with the paperwork causing The closing date XXXX XXXX also lied on was going to throughout the whole process I was told I was going to have an interest rate Of 3.5 % down day of closing which is when I finally seen the final paperwork that Im supposed to buy law have three days advance the interest rate was XXXX XXXX my house payment was supposed to be made {$900.00} range to lower {$1000.00} range and ended up being closer to {$1200.00} very I did not complain about not having my final paperwork for the miss leading of the interest rate due to all the other issues I had closing the loan and the homeowner was going to back out of the sale we did not close that day because due to XXXX mistakes she was actually XXXX and I was about to be homeless as Ive already gotten out of my current lease where I was living ultimately I was affected by the XXXX  security breachAnd I dont believe the effects of the breeze wouldve been so bad that I close on my loan when I was supposed to be gained access to my bank account eventually take me over causing me Not to be able to pay my mortgage as they turn the account over they also gain access to my Social Security number drivers license number date of birth and other sensitive information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: PA

Complaint narrative:
The homeowner is a XXXX year old senior citizen who has a loan with One Main. The homeowner has been paying her mortgage on time since XX/XX/2000 which should have been paid off. The homeowner still have a balance of approximately {$4500.00}. XXXX contacted Lender for update status. This is a revolving line of credit. I have enclosed her payment history. She is not willing to pay anymore towards this mortgage until she receives some answers to where her mortgage payment is being applied and believes that she should receive a refund for over payments. She is asking that you please assist with this mortgage and provide an update.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: WI

Complaint narrative:
APPLIED FOR A MORTGAGE LOAN XX/XX/2018 WITH XXXX XXXX OF FAIRWAY MORTGAGE. SHE PRESENTED HERSELF AS A BROKER, FOR MANY LENDERS. 
SHE WAS UNAVAILABLE FOR PHONE CALLS, AND EMAILS WENT UNANSWERED. FINALLY 2 DAYS PRIOR TO THE CLOSING ON XX/XX/2018 SHE PRODUCED THE LOAN DOCUMENTS. THE LOAN WAS WRITTEN IN THE WRONG NAME, THE LOAN WAS WRITTEN FROM FAIRWAY INDEPENDENT MORTGAGE. THE INTEREST RATE WHICH SHE LOCKED US INTO IN XXXX HAD CHANGED TO 4.75 % WHICH WAS THE RATE AS OF XXXX. 
SHE DID NOT SHOW UP AT THE CLOSING, AND THE TITLE COMPANY WERE INFORMED THAT WE HAD TO SIGN ALL THE DOCUMENTS, EVEN IF THERE WERE ERRORS OR WE WOULD NOT GET THE LOAN. 
OF COURSE THIS MEANT THE PEOPLE WHO'S HOUSE WE BOUGHT WOULD NOT BE ABLE TO CLOSE ON THE HOUSE THEY BOUGHT AND SO ON DOWN THE LINE. 
WE DISCUSSED THE ISSUES AND THE REALATORS DECIDED WE SHOULD SIGN, AS THERE WERE WITNESSES TO OUR REFUSAL, AND RE-FINANCE IMMEDIATELY. 
WHEN WE WENT TO RE-FINANCE WITH OUR BANK WE WERE UNABLE TO GET A LOAN BECAUSE XXXX HAD PUT IN INCORRECT INCOME INFORMATION. SHE ALSO PUT US IN A JUMBO LOAN FOR $ XXXX AND WE PUT DOWN 20 % AND STILL OPENED AN ESCROW ACCOUNT WITH THE WRONG AMOUNTS. 
THE ESCROW IS BEING HELD BY FAIRWAY MORTGAGE AND AFTER MANY CALLS FOR THAT AMOUNT TO BE RETURNED WE STILL HAVE NOT SEEN IT. 
IT IS OBVIOUS THAT XXXX XXXX WROTE A HIGH COMMISSION LOAN, MADE OUR INCOMES LARGER TO ACCEPT THAT LOAN AND THEN THE LOAN WAS SOLD TO XXXX XXXX. 
EVERYTHING SHE TOLD US REGARDING HER AND BEING A BROKER FOR ALL SOURCES OF LOANS WAS FALSE. THE LOAN WAS WRITTEN WITH FALSE INFORMATION AND WHEN WE CALLED THE " SUPERVISOR '' FOR FAIRWAY, I WAS TOLD THAT " I DON'T LIKE YOUR NEGATIVE ATTITUDE, DO NOT CALL AGAIN ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC overcharged me in overdraft fees. I called and tried to get it resolved. I spoke with a Mr. XXXX XXXX who advised that it was a business decision no to reverse the fees. I told him I would leave and would not obtain my mortgage with PNC because of the poor service I received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 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: IL

Complaint narrative:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Experian several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Experian and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX  XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I have even sent copies from XXXX & Experian showing that they deleted items that Experian keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect

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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The escrow calculation at Nationstar/Mr. Cooper is flawed. Their analysis takes place in late XXXX ( XX/XX/XXXX in my case ) where they look back at any payments from XX/XX/XXXX to XX/XX/XXXX. That analysis doesn't account for payments made after the analysis ( i.e. payments made for XXXX ). The balance forward analysis, used to calculate any projected escrow shortfall, utilizes the ending balance from the XXXX to XXXX analysis, which starts with the XX/XX/XXXX payment. This again doesn't account for XXXX payments made in after their XX/XX/XXXX analysis date. In order for their analysis to include a XXXX payment the borrower would have to make that payment 30-45 days in advance. 

In short their analysis forces borrowers into an escrow shortfall situation by not accounting for late XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I applied for a Barclays Arrival Plus card earlier this year. I was not immediately approved. In fact, it took SO LONG for Barclays to approve me, that I was back from the vacation in which I'd planned to use the card before I even received it ( 10 day vacation -- not a weekend trip ). When I was approved for the card, the value of the welcome bonus was XXXX points more than it was when I applied. 

Again, when I was actually approved, the welcome bonus was higher. 

I contacted Barclays and asked, as a ( very ) basic courtesy, if they could match the new bonus given how long it took them to actually approve me. 

Customer service provided zero actual service ( zero service at all on the part of one manager, 'XXXX ' ). All I'm asking is for them to honor the bonus that was available when I was FINALLY approved -- and the reason approval took so long was entirely on their end, not mine. If they'd approved me immediately this wouldn't even be a question.

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 2018-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018 I called XXXX XXXX XXXX XXXX and requested my XXXX and transunion credit reports both of which I am entitled to free.It is now XX/XX/2018 and I have received neither. I called the above given number to check on the status of mailing of these reports and there was no such function.

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 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Credit Service, Inc.
State: MI

Complaint narrative:
I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary Stress or Headaches i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX   who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WI

Complaint narrative:
I have requested prepaid XXXX master card .Nobody told me upfront that there is a fee {$4.00} per month. 
Also fee is usually charged after 1 month of service .My unexpected fee was charged 2 days after first transaction. 
When I emailed my request to close the card, received response : " The XXXX Prepaid Mastercard is issued by XXXX  XXXX XXXX, Member FDIC, pursuant to license by XXXX XXXX XXXX. Netspend, a XXXX XXXX, is an authorized representative of XXXX XXXX XXXX. Certain products and services may be licensed under U.S. Patent Nos. XXXX and XXXX. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

Mastercard is a registered trademark, and the circles design is a trademark of XXXX XXXX XXXX. 

Card may be used everywhere Debit Mastercard is accepted. " It actually doesnt answer my question Can you please help me to close card and transfer remaining balance to any of my accounts?

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 2018-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
On XX/XX/2018, I made a request to XXXX XXXX to change my payment due date from XX/XX/XXXX of the month to the XX/XX/XXXX of the month. My reason was that the new payment schedule would better align to the day that I am paid by my job. After submission of my request, my payment due to XXXX XXXX increased from ~ {$590.00} per month to ~ {$650.00}.

After approximately XXXX and a half months ( on XX/XX/2018 ), I submitted a second request to schedule my due date back to the XX/XX/XXXX of the month. I realized that the monthly amount due was too high for my personal budget.

Shockingly, after XXXX XXXX accepted my new request, my payment amount due increased to {$680.00}.

I called XXXX XXXX to understand the increase. In XX/XX/XXXX, the amount due was {$590.00} and I could not understand the increase after only XXXX months. I shared the documents received upon submitting my requests in which no information was mentioned or shared about changes to repayments ( other than date changes ) amounts. Additionally, I walked the loan representative through the payment date change process and showed her that there is zero language around long-term payment increases. The only payment-related disclosure shared was that I may have to make a double payment once the new billing cycle starts.

XXXX XXXX XXXX response was to offer me new repayment terms. Which I did not want to accept. I wanted my amount due to return to its original {$500.00} amount. Instead of providing documentation that spells out how the change occurred, the rep continuously pressed me to consider extending my repayment terms.

I pointed out several times that loan institution provides clear disclosures on neither their website or complementary documents that inform borrowers of the consequences of changing the payment date. In fact, the website simply states : Change Your Due Date to Fit Your Schedule If You Change Your Due Date : It may take up to 2 billing cycles to reflect your due date change.

It may result in two payments being due within 1 billing cycle ( XXXX days ).

Any loan that is in a paid ahead status will be removed from that status, and the next monthly bill will require you to pay the full installment amount.

After my discussion with the loan representative, she admitted that none of my documents specify that I would receive an increase of payment amounts just from changing my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: TCF NATIONAL BANK
State: MI

Complaint narrative:
I was victim of fraud. Someone used my debit card info and made purchases close to {$10000.00} and I have filled dispute with TCF bank. TCF first gave me money back then they took my money out of my checking account. I asked them what is happening and they reopened the claim. This has been happening since XX/XX/2018 and they just keep asking me for same documents over and over again. Ive sent them 4 times proof that I was in XXXX when this fraud happened, my affidavit and police report. Since then they just keep telling me that my case is under review and not giving me resolutions date or anything. Can you please assist me in getting my founds back.

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 2018-12-11 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
In XXXX of this year I saw 4 inquiries on my credit report by Tower Loan. I was shocked. I have never applied for a loan from Tower Loan, done business with them, never even stepped into one of their stores. I called and complained. My husband had applied for a loan and apparently gave them my info because I have better credit than he. I told them that was not ethical or legal. I did not authorize them to search my credit, I had not signed the application. I was told that they would write to the reporting agencies and have the inquiries removed. Each month I have had to call again about it. Over the last 4 months, 2 of the inquiries were removed but 2 still remain.

My husband has been borrowing money off and on to support his trading compulsion. These finance companies prey on people like that, offering greater amounts of money each time a loan is repaid. It is enabling his addiction. I wish they would close his account completely and no longer do business with him.

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 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
This company has purchased a false debt previously owned by XXXX XXXX XXXX. I reported this debt here against XXXX   back in XXXX of this year, 2018. Report number then is XXXX. That company also reported false information to the credit bureaus as did this company, Commonwealth Financial Services. I have called on a recorded line to inform Commonwealth of their error, I have sent certified letters in regards to this debt and I have disputed this debt with the credit bureaus only to have Commonwealth declare the debt to be valid and the derogatory information to remain causing a substantial drop in my good credit status. My next step is legal action if this information reported is not deleted from the 3 bureaus and the debt discarded. This is NOT my debt nor will I ever pay it. I demand Commonwealth to remove my information immediately or face certain legal action. I can provide copies of previous reports showing this debt is invalid while under XXXX  and as well as my previous report and outcome from the CFPB.

Company response to consumer: Closed with explanation