vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company Credit Acceptance ( CA ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( CA ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. CA did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now CA is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to CA to see if something could be worked out concerning this to help me improve my credit and CA refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the{$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.

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 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank
State: OH

Complaint narrative:
I obtained a credit card through First Progress back in XX/XX/2019, in XX/XX/2019, I'd set it up through my debit card at XXXX XXXX to have payments withdrawn for My First Progress card I haven't been receiving any bills or mail, it's impossible online to navigate the payment websites, and it is just as impossible to get ahold of a customer service representative to pay my bill I'm not trying to avoid my bill, I'm at a point in my life where I paid more than enough to pay my bills, but I need my creditors to start taking my money and to stop making it a hurdle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: NV

Complaint narrative:
these documents prove that XXXX XXXX has been 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 non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a checking account with Citibank , N.A . in XX/XX/2019 through the advertisement to earn XXXX XXXX XXXX AAdvantage miles after fulfilling account-opening activity requirements as a new customer. However, I have not received any AAdvantage miles as of XX/XX/2019, even I fulfilled the activities in early XX/XX/2019. I contacted Citibank 's customer service three times, and each time a representative confirmed that I have fulfilled the activity, recorded my complaint and promised that I will receive the award miles soon, because it's more than the advised 90-day period processing time after I fulfill those requirements. 

The latest case number I was given was : 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 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I filed bankruptcy back in XX/XX/2018 and reaffirm my loan with SLS mortgage company and request the SLS mortgage to report my mortgage to the credit back in XX/XX/2018, I been calling every month asking them to do so but nothing happing and they promises to reported on the XX/XX/XXXX of next month. I am paying on time never late on payment. 
I need your help please if you have any questions please feel free to call me @ XXXX Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I applied for amex card. I was well aware of the fee for the card. I did not activate the card until XX/XX/XXXX. On XX/XX/XXXX I received an email saying that my card payment was overdue. When I called customer service, I was told that the fee was due on the application date not XX/XX/XXXX. I received no bill, email etc for the fee between XX/XX/XXXX-XX/XX/XXXX. I do not understand why I did not receive a bill on XX/XX/XXXX or XX/XX/XXXX but a '' demand '' on XX/XX/XXXX. The rep was totally confused. I would appreciate some clarity about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have updated my address to where I wanted my capital one card mailed to and yet it is still.bekng mailed to the old address and that is why I am.stil having trouble with identity theft ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
COMPANY : SPS or Select Portfolio Servicing , Inc . 
STATUS : 2d Mortgage In XX/XX/XXXX, XXXX XXXX was XXXX XXXX military, serving in the XXXX XXXX XXXX, stationed at XXXX XXXX, VA. This loan was sought as a refinance to gain cash for debt relief ( e.g. pay off bills ). We are victims of SPS in the facts that we sought a lower interest rate and invoked protections under the SCRA and the MLA both intended to protect XXXX XXXX military from subprime lenders which disproportionately affected XXXX XXXX such as ourselves. We have tried throughout years up till XXXX of XXXX ( XXXX XXXX military retirement date ) to request SPS lower the IR but were ignored. We sent certified letters invoking the SCRA and MLA but SPS ignored our inquiries. To date, we are just pouring money down the drain so to speak as the interest is so high and unreasonable SPS contract loaned us $ XXXX in XX/XX/XXXX and has calculated a $ XXXX payout at the end of this loan. This is unreasonable and should be illegal! Now, we seek help from CFPB as we don't know how to relieve ourselves of this subprime mortgage as our efforts to get a reasonable rate has been ignored to date. We have researched the web and found that we should send a " Notice of Error '' for the following because we don't understand our loan terms and it seems with every statement we have extensive fees added to the and swelling principal. No matter when we paid on time or like now, we have not paid since XX/XX/XXXX due to financial problems the principal always increases and never decreases. 

We contend that SPS is : -applied subprime interest rates exponentially high that loan payoff is impossible -refusing to accept conforming payments -improperly applying or crediting payments -imposing unreasonable fees or charges -failing to provide accurate information regarding workout options and foreclosures -dual tracking the customer ( where the servicer pursues a foreclosure while simultaneously evaluating you for a modification or other workout option ), and improperly starting a foreclosure or conducting a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I have had my mortgage for around 3 years at this point. This is the 2nd time that my loan has been transferred to another servicing company ( 3 companies involved ). As of XX/XX/XXXX, my loan will be moved from Quicken Loans, ranked # 1 by various outlets for their mortgage services to a company called XXXX XXXX whom has terrible reviews and has not helped me get acquainted with their payment portals or processes. I currently have my loan serviced through Quicken Loans and was very pleased with their services. I do not want my loan transferred again to XXXX XXXX whom did not even answer my call when I called to hear details of this transfer. Every time my loan gets transferred to a new service provider I am forced to continually provide confidential information to multiple companies ( security concern ) and realign my finances and schedules. Having my loans reassigned so often is an injustice. This repeatedly happens for other loans as well. Please tell me there is a way to stop this as it is becoming beyond an inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2019 my credit report is showing that I am 150 and 120 's days late in the most recent 12 months. The problem occurred when I fell behind on my truck note because of some financial difficulties and the truck was repossessed. The finance company XXXX XXXX ( XXXX  ),  added repo fees and late payments to my account totalling {$3000.00}. I talked to ( XXXX ) and I paid the repo fees ( {$1200.00} ) and was able to set up payment arrangements and I got the truck back. XXXX did not explain that the late payments and fees would become part of my present payment and not be placed on the end of the account. Now XXXX is requiring the {$3000.00} to be paid first and until it is paid my account will remain 150 to 120 days late and reports this the credit bureau. I have has been making the agreed payments on time each month but it is still showing late because of the {$3000.00} balance. My credit report is being ruined because of this. I spoke to XXXX to see if something could be worked out concerning this to help me improve my credit and XXXX refused to help with anything. According to the payment arrangments set if I continue to pay {$550.00} a month, only {$75.00} is going towards the {$3000.00}. This means that it will take nearly two years for this balance to be removed and by then 120, 150 days will increase to where my credit is ruined.

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 2019-08-24 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
this document proves that barclays bank was 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
Consumer complaint received 2019-08-24 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: FL

Complaint narrative:
Incorrect accounts are reporting on my credit report US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The amount of bank fraud that PHH commits is unreal. We are currently in a short sale review. Have been for 7 months. PHH ordered a new appraisal. The appraisal came back at {$280000.00}. Our offer in review is {$280000.00}. PHH declined our offer that is over market value and requested {$300000.00}. That's good old fashioned bank fraud. Our offer is over market value!!! What PHH is doing is illegal. Bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: FL

Complaint narrative:
Multiple accounts are reporting on my credit report that is incorrect : XXXX XXXX XXXX XXXX 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 2019-08-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony bank closed my Lowes store card which I financed my fence and countertop with. I have always made payments on time. I had signed up for a card protection program for this Lowes card to protect me in case I lost my job. It charged me {$1.00} per {$100.00} I owed on the card. This was added in monthly minimum payments which had been {$99.00} and with an additional {$160.00} added to the min payment for the card protection. So I canceled the card security and expected to go back to {$99.00} a month min payments but the min payment still included the cost of the card security but I decided it did not make sense to still pay since I canceled it well ahead of time. I paid {$99.00} instead. And I was given a late fee. I got the late fee refunded on the grounds I had cancelled the card insurance. But then I was being told I missed a payment and that this was an attempt to collect a debt. I found out when my card was declined while in line shopping at Lowes. I looked at the card yesterday no problem at all. Then the fact that they are treating me as if I made no payment at all and As if I had been passed due for 3 months. The due date was no more than two weeks ago and I paid {$99.00}. I was never late nor had I ever missed a payment. Synchrony bank has reduced the limit on 3 of my other cards and now they have closed my Lowes cards. I was never late or missed a payment other than this one although I think its against my rights not to lower the minimum payment after I canceled the card protection. I feel they are targeting myself and other people in lower middle class as financial profiling. They do not want normal people like myself owning their cards. They unfairly did not correctly reduce the minimum payment which after canceling the card security program should have been done. This is a clear violation of my rights under the fair credit act. They did not reduce the minimum payment and then when I paid what I felt was due they said that I completely missed a payment and then they closed my card, thus impacting my credit score negatively! I know they are also targeting me because my wife is well past due on many of her cards. This is also incredibly discriminatory and I will filing a class action law suit for the numerous violations they have made on my rights as a consumer!

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 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I would like to request assistance with an issue I am having with my bank after a car rental company billed me multiple times for the same rental contract ( s ). We had a long term rental and we realized that when we dealt with a particular member of a regional branch we were having billing issues. We have escalated it through the various levels up to corporate level with the car rental agency and their accountants struggle to explain what has taken place. XXXX XXXX XXXX being the most senior, XXXX XXXX XXXX ( area manager ) and  XXXX XXXX XXXX ( regional manager ).  XXXX XXXX promised in an email that the charge for the specific rental period would be returned back in XX/XX/XXXX, something they have yet on which to make good. 

After submitting two challenges to the bank immediately after discovering these billing issues, along with proof, they still failed protected my interests. The car rental agency ( at a location from which we rented in Arizona ) blamed the bank but we used my fiancee 's XXXX  bank account and the same billing issues occurred. 

My bank account was overdrawn by several XXXX dollars and as it has taken so long following the correct procedure, my bank account has been closed. The bank are refusing to take any further action and the most recent call to the bank resulted in the agent saying they might not reopen the account, even if I was to clear the outstanding balance. 

The bank told me that my option now is to take the rental company to court which I said I was already in the process of finding a lawyer to do so, but I have been informed that you maybe able to assist me? 

I need this account reopened as it is attached to a minor savings account and I want to restore my credit rating - I have never had an account closed or even negative before renting from this particular car rental agency. I kept the bank aprised along the way and yet they still failed me. 

I have been in regular contact with the bank, keeping them updated providing them with concrete proof of the multiple erroneous charges. After many years of being a loyal customer, they have let me down when I needed their help. I feel that it would be extremely unfair for my account to remain closed and my credit rating to be effected, due to the bad business practice of the car rental company.

Time is paramount as I am now at the five month point of my account being closed and after the six month point, I understand that the account will remain closed permanently.

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 2019-08-24 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: CITIBANK, N.A.
State: OK

Complaint narrative:
My name is XXXX XXXX and I Submitted a dispute on XX/XX/19 due to inaccuracies listed on my credit profile & have attached images marked in red to reflect the inaccuracies. On XX/XX/19 I wake up to find that Citi Card has not only left the inaccuracies on my credit profile but has intentionally added two fraudulent late payments to my credit profile showing I have been late during the months of XX/XX/XXXX 30 days & XX/XX/XXXX 60 days. Based on documents I have attached, they reflect with an account I had with Citi Card that my payments were due the XXXX of each month & for XX/XX/XXXX due date I Paid XX/XX/XXXX and for XX/XX/XXXX due date I paid XX/XX/XXXX It appears Citi Card at this moment is blatantly violating the FCRA Section 623. How can you add late payments that never existed? If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my disputes then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. This is a final attempt to ensure Citi Card report only accurate information or cease reporting this account to my credit profile. You will find all attachments in this email to reference. 

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), as a furnisher of data you have the duty to report all accurate information to all 3 Major credit  bureaus XXXX, XXXX , & XXXX & you must review all of the information in this Notice of Dispute to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute. 
In addition, I humbly request that you provide me with complete transactions, payments, a copy of any physical signed contracts or agreements, & account numbers

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