vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am working with US Bank and XXXX XXXX XXXX on a {$32000.00} wire transfer. I called US Bank to input the wire transfer numbers into the XXXX  form. The US Bank representative gave me all the routing and transfer numbers. I read each area of form to US Bank representative and they gave me the information to input. IA few days later XXXX actually did the wire transfer. 
Days later I had not received the money. I called US Bank and talked with XXXX and she said there was no {$32000.00} wire transfer on that day ( XX/XX/2019 ) I then called XXXX and they said yes and they have confirmation that US Bank received it on that day, and sent me the documentation. I called US Bank back and talked with the manager XXXX in Wire Transfer in XXXX XXXX, MO. She said she found the wire but I could not get the funds. I said I have multiple bank and loan accounts and I can go in with my drivers license and get it. She said there is an error and only XXXX  can fix it. I called XXXX and they gave me information to talk with US Bank and US Bank said even though my name is on the funds it is not in their policy to resolve this with Affinity. 
I said, isn't the wire suppose to reject if the name and account number don't match? She said she could do nothing. I emailed XXXX and back and forth I went. They both blamed each other and said there was nothing they could do. Now it is XX/XX/2019 and I called a US Bank Branch Manager and asked for help. He called back and said it is on XXXX. I said I talked with US Bank and Affinity and they both say it is each others issue and US Bank would not help at all despite the {$32000.00} being in their hands. 
Many hours and phone calls and days have gone into trying to get this money. At the same time, now I am paying interest on 2 loans! The US Bank Assistant Manager just called me and said he talked with US Bank wire department and with XXXX and he thinks he has it worked out. It is Friday XXXX. If the bank closes I have gone another week without money that legally is supposed to be in my account within a couple days or rejected and sent back to the sending bank. Not only does this break many wire transfer regulations, it is totally irresponsible for the bank to not take steps to get an error fixed when they know there is an error to get it fixed. US Bank Wire Department is just letting the money sit in a US bank account and doing nothing to fix an error that was reported to them.

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 2019-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
this has been on my report since 2011 .they keep updateing the start date .it, s been almost 9 yrs for a bill i never owed .i had a 2 yr contract with XXXX two years was up when i left XXXX XXXX and went with the company i work for ( XXXX ) which also uses XXXX and i am still with them.if you look at my payment history you will see i pay my bills .this XXXX for XXXX i never owed and will never pay. i don, t  understand how they can keep changing the start date from 2011.this should not be on my report after 9 years.

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 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received my XX/XX/XXXX billing Statement from ( BANK OF AMERICA ) For a sum total : XXXX. With A due date of : XXXX XXXX. 
On XX/XX/2019 A payment was made To B.O.A, For A some total of : XXXX, Within the thirty day time frame on XX/XX/XXXX I received my billing statement for the month of XX/XX/XXXXt charging me a interest fee of : ( XXXX ) I Called B.O.A to inquire into the miscalculation of interest, And was told by a representative That : " I was charge interest for the balance of XXXX cent. And because I was a loyal customer she would take off XXXX dollars of the balance.. However this predatory practice employed by Bank of America is contrary to regulatory procedures I should not be Charge a balance of ( XXXX ) because balance was paid in full expect ) XXXX cent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-26 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: TN

Complaint narrative:
My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit report.

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 2019-07-26 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: TN

Complaint narrative:
My credit scores have been affected by a past credit card account that was opened years back without my knowing until recently viewing my full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Private Client account at Chase Bank on XX/XX/2019. 
Over the weekend, I applied online for the Chase Freedom unlimited Credit card. I was contacted by phone by Chase Bank at my home number and assumed that this was the call to verify my application. I received an e-mail on XX/XX/2019 approving my application. My credit cards arrived on Saturday, XX/XX/XXXX. I charged 2 transactions totaling XXXX over the weekend. When I tried to charge lunch on Monday, XXXX, the charge was denied. Upon calling the XXXX #, I was told that the card was closed by the bank and i would receive a letter of explanation. 
That letter arrived on Saturday XX/XX/XXXX. As instructed, I went to the bank branch to reapply. After 30 minutes with the bank officer, the reapplication was denied, stating that a 30 day wait was required. After numerous calls to the local branch and credit card center, I was told that I could not reapply for this card for 48 months. 

They mishandled the approval from me on the FTC recommended fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MT

Complaint narrative:
Less than 3 weeks ago I first applied for a personal loan with ONEMAIN FINANCIAL and was denied. Approximately 1 1/2 weeks after that denial I received an email from ONEMAIN FINANCIAL soliciting me to request again for a personal loan. I did apply again and received a call from " XXXX '' from ONEMAIN FINANCIAL on or about XX/XX/XXXX and he informed me after asking numerous questions that I was " APPROVED ''. XXXX asked me to submit ( 1 ) Pay Stub ( 2 ) Phot ID ( 3 ) Authorization to release information form. XXXX told me I was approved for {$7200.00} but I told him I only needed {$7000.00}. XXXX told me how much my monthly payment was going to be, interest rate, & the term of the loan ( 60 months XXXX. On or about XX/XX/XXXX I was notified by ONEMAIN ( name of rep unknown - did not write it down ) my loan was denied but the following day XXXX called me and said it wasn't denied but rather it was approved by underwriting but the fraud department of ONEMAIN needed more information. XXXX asked me to provide a copy of a voided check and my W2 from XX/XX/XXXX. I told XXXX that I felt uncomfortable providing so much private information. XXXX told me " your loan is approved don't worry it's that the fraud department needs my information because of my fraud alert on my credit ''. I submitted the documentation XXXX requested and the following day I was conducted by XXXX stating that the fraud department has verified and confirmed all the documentation I provided but needed more. XXXX asked me that I need to provided a copy of my social security card, utility bill, & a copy of my most recent bank statement. I displayed my concern to XXXX regarding feeling uncomfortable providing such private information ( 9 DOCUMENTS IN TOTAL ). XXXX told me " your loan is approved & the fraud department needs this information because of the fraud alert in your credit ''. I emphasized to XXXX that I will only provide additional documentation if he is certain my loan is approved. Without hesitation XXXX stated " It is the only thing holding the funding into your bank account if for the fraud department to have the documentation because it is in the best interest of ONEMAIN to have it because of my fraud alert on my credit report ''. Although I was very hesitant and uncomfortable with the additional documentation being requested of me I told XXXX I will provide this additional information only because he has assured me that the loan was approved. Approximately 3 days later I got a phone call from a ONEMAIN representative telling me my loan was denied ( very unprofessional & rude ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I had five cards open with American Express and nearly 150,000 Membership Rewards points ( worth ~ {$3000.00} ), earned through spend and the proper fulfillment of many promotional offers over the past 7 years. As far as I'm aware, I have not once violated American Express 's terms and services or even missed a payment. I was notified today that all of my cards have been canceled and that my points have been forfeited because they detected that I was " gaming the system ''. Customer service assured me that there is no way they will give me these points back and was unwilling to tell me how or when I violated their terms. I think that it is improper for a large US bank to take {$3000.00} away from a customer and not tell them why or give them any avenue towards rectifying the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: DC

Complaint narrative:
after reviewing my credit report with XX/XX/XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/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 2019-07-26 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: DC

Complaint narrative:
after reviewing my credit report with XXXX, there are 14 Inquiries showing on my credit report. I only recognize 3 Inquiries that I actually gave consent to pull my report and that's XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX, and XXXX on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/2019, I made a referral via email to my husband from my XXXX XXXX Rewards card. My husband chose the XXXX XXXX XXXX card. After 4 weeks, I chatted with American Express to inquire when the referral bonus would post. American Express then acknowledged that the referral had been captured and to wait an additional 2 weeks and that they would open an investigation. I have checked back every 2 weeks, and each time there has been excuse after excuse of why the points have not posted. 

4 weeks ago, I was told the reason the points had not posted was because my husband chose a different card than the one referred from. This is false as it says right on American Express 's website that the receiver can choose any card they like. The chat representative then backtracked and said they'd escalate the investigation. 

Today, I chatted with American Express and was escalated to a supervisor. The supervisor said that the points were not applied because my husband chose a different card. This is unacceptable for the representatives AND supervisors to not even know their own policy on referrals. I sent their own website to the supervisor and she said would open a NEW investigation taking another 6-8 weeks. 

American Express offered a referral bonus of XXXX points if referring from my XXXX XXXX Rewards card. I referred from the card to my husband, he was approved. The referral happened and was captured on XX/XX/2019. It is now XX/XX/XXXX, and I'm being told to wait until the end of XX/XX/XXXX for something that should have been handled within a week or so. American Express, please manually credit me these points so I can be satisfied with your service once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: PA

Complaint narrative:
Judging by XXXX results, XXXX is the phone number for Allied Interstate LLC, and they seem to be very notorious for harassing individuals, and wanting personal information, as was the case today. They have called me three times today : first time was at XXXX, second time was at XXXX, and the third time was XXXX EST. After the second call I told them to take my number out of their system. I cleaned up my past due debts - paid well over 5,000 $ and I know I do not owe anything else above and beyond what's already on my credit report. I asked the individual on the phone to confirm what this call is in regards to and he kept wanting to get more personal information. I couldn't even understand the guy, and apparently there was a language barrier as apparently he couldn't understand what stop calling means. 

XXXX XXXX XXXXXXXX The above link makes me even more concerned.

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 2019-07-26 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: TX

Complaint narrative:
There was a collection on my account from XXXX XXXX XXXX for an account with XXXX at the XXXX apartment. This collection did not show up on my account until I submitted a request for a home loan through XXXX XXXX. This collections account was recently taken off my profile for it not being me. I spoke with the apartment complex and the collections agency who both confirmed that the SSN, DL ID or complete name ( including middle name ), did not match me. I received a release letter from the collections agency that I sent to both XXXX and Equifax who showed this collections against my credit profile. 

However, because I was in the process of buying house, this has caused my credit to go from XXXX to in the 640s. After the credit was fixed, the loan rates had gone up and now I will be paying a higher interest rate. This collections account should have never been on my account and neither Equifax nor XXXX can tell me why this was on my credit profile. This is gross negligence and I plan on pursuing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address  used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer. 

I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received an unsolicited debit card from XXXX XXXX for my brother who is in a XXXX care facilty. It is a Visa card from XXXX XXXX. 

I did not request it. I will allegedly be charged {$2.00} per month for inactivity. 
There customer service number does not connect me to an operator despite a long wait on hold. 

I believe this to be a violation of law.

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 2019-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
I received a notice from paragon revenue group I tried to tell the lady that my brother is in a nursing home the charges are from XXXX XXXX on the XX/XX/18 for XXXX and the other was XX/XX/18 for XXXX I tried to tell her my brothers medicade number for them to file and the social worker told me this all I need to do. The collector cut me short and said that this has over a year and she is not interested in his medicade number to file these charges. My brother XXXX XXXX is medicade retroactive for XX/XX/18 because I had a hearing and got a lawyer to help him prove that the monies in his trust fund was being used by his caregiver. Once I filed a lawsuit against the caregiver then the XXXX in Oklahoma back the coverage from XX/XX/18 to the present. The person from Paragon revenue group refused to take his medicade # so the can file and XXXX will pay them. No she feels the her job is to collect the monies owe be rude and threaten me that she does not care to take the info to file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for several line increase for both of my credit cards and was denied multiple times for the same reasons as stated below : Your average monthly payment has been too low I have spoke to several customer service representatives that have reviewed my payment history and they agree that my monthly payments are well above the payment requirement of {$25.00} per month. 

I make payments of {$150.00}, {$700.00}. {$400.00} {$250.00} etc. My payment history will provide proof. I recently applied and was decline again for 2 different recents.

Your average monthly payment has been too low Recent use of this accounts existing credit line has been too high I was told that the system generates the letters and it was nothing they could do. The system is incorrectly reporting my monthly payments and I'm been denied credit the credit card company says they can't correct their system.

In the past I only had to make ( 5 ) minimum payments of {$25.00} to get an automatic credit line increase. I have been denied a credit line increase for over 1 yr although my monthly payments are well above the minimum payment of {$25.00} per month.

Company response to consumer: Closed with explanation