vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Like many others, I pre-paid a portion of my XX/XX/XXXX municipal property taxes ( in my case totally {$11000.00} ) to cover the first half of XX/XX/XXXX, fully expecting that the bank handling my escrow and mortgage payments, Fifth Third Bank, would refund me the money in a timely manner in XX/XX/XXXX by reducing my total monthly mortgage payments. THIS STILL HAS NOT HAPPENED. I have been on the phone with them multiple times ( when I first contacted them asking them what I needed to send and by when before XX/XX/XXXX ; in a follow-up on XX/XX/XXXX where I was told things were in process ; on XX/XX/XXXX when I was AGAIN told that I'd receive an adjustment by " the end of the week '' ; after they inexplicably stated they needed further proof that I pre-paid my municipality on XX/XX/XXXX ( at which point I sent it again ) ; on XX/XX/XXXX when they told me the escrow re-evaluation was " in process '' and would take 6 business days, after which I would simply NOT pay the property tax portion of my monthly mortgage payments on XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to make up the extra money they had ( which DIDN'T happen ) ; and finally today - XX/XX/XXXX, when I was told that the escrow was only NOW being looked at, and because so much time had gone by they would need to wait until the next re-evaluation period in XXXX to even TELL me how much of MY MONEY I would get back. I am largely self-employed, and pre-paying {$11000.00} IN ADVANCE was already painful enough. But being told in repeated conversations that the MONTHLY payment WOULD be adjusted in a timely manner appropriately downwards, only to find that I STILL have to pay them the total {$4500.00} mortgage payment anyway thus far on XX/XX/XXXX ( as expected ), but also on XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ( and beyond ) is killing me here. How long does it take for them to do a simple calculation : making note that I pre-paid and then re-adjusting to give me my money back? It's bad enough that I had to do this in the first place. But this now feels very much like they are deliberately delaying and holding onto my ( and I'm sure many other people 's ) money, perhaps to enjoy the interest gained ( similar to XXXX XXXX - who incidentally ALSO were recently forced to pay me back over {$1000.00} including interest of a rate lock extension fee they weren't supposed to have charged when they originally handled our mortgage ). Please tell me you can do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XX/XX/XXXX I noticed a charge of {$870.00} on XX/XX/XXXX on my credit card to a hotel in New York. I called that day to report that I did not charge that on my card. They told me that they would start a fraud case. 

On XX/XX/XXXX, I emailed them to see what they have done so far, and they sent out a generic email stating that it could take up to 90 days. 

I emailed them again on XX/XX/XXXX and then got another generic email stating it is being worked on. 
On XX/XX/XXXX I called fraud department because it has been over 90 days and they said they knew nothing about it..I spoke with " XXXX ''. He said that he would credit me that money along with any interest on it that was charged to me. That it would be credited to my cancelled card, which makes no sense because that card is cancelled and I have a new card. 

They have a duty to their customers to protect their cards from fraud, which they have not done!

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I own a XXXX 's card since XX/XX/XXXX. Immediately I had difficulties paying my card online. On XX/XX/XXXX my wife had a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. She called to tell them about the medical condition. I lost my job after being in the hospital with her and my child. I asked them for a lower payment. Also, I asked was this account insured. I told them due to my loss of income I couldn't afford the high payments. I asked if I could make $ 50 monthly payments. My wife was still making Payments and XXXX was still marking the account as late on my credit report. My account was closed and I strongly feel XXXX 's didn't want to 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 non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: First Data Corporation
State: CT

Complaint narrative:
The Company I work for was using accepting credit cards sales using 'XXXX XXXX XXXX XXXX XXXX XXXX ' for processing. Back in XX/XX/XXXX we switched processing companies, because the rates we were being charged were very high. To make sure our new systems was to our liking, I did not cancel the original account until XX/XX/XXXX. I was told to submit my request by email or fax, I choose fax, I addressed the Cancellation Department at XXXX, as instructed requesting notice to cancel our Merchant Account # XXXX immediately. I have the faxed Transmission Verification Report, with date and time. They did charge us in XX/XX/XXXX, which I am not deputing, but then again in XX/XX/XXXX, our Company bank account was debited {$82.00}. I tried to contact the credit card company, but was put on hold so long, I had to hang up. Then in XX/XX/XXXX they charged us again {$82.00}. Finally on Wednesday, XX/XX/XXXX, I was persistent to reach someone and straighten this out. Spending over 45 minutes on the phone I spoke to XXXX at XXXX. She said they never got our faxed noticed and she checked their fax machine and it didn't show it was received. I resent with the fax print out showing original date & time. She told me " anyone could have changed time & date ''. Basically calling me a liar. I asked to speak with her Manager, again I was out on hold for 20 minutes, until she came back stating he said they could only credit me one month. I said I have proof, obliviously someone on their end drop the ball in XX/XX/XXXX. She won't let me speak to a Manager, I asked several times, I got " he's on another line '' and then " he's not in his office ''. She even accused us of using their services in XX/XX/XXXX, when their bill clearly shows No Activity. As I stated i have no problem with the XX/XX/XXXX charge. She asked why didn't I call earlier, and I said I tried but I can't be on hold as long, this call is already 45 minutes. So, I called my bank person and he said we were charged again in XX/XX/XXXX, {$82.00} and he suggest me to contact you. First, I did leave a voice message yesterday saying I was going to do this unless I hear back from them within 20 minutes. Of coarse, no call. It's not a whole lot of money, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX total {$240.00}. It's the principal. I feel this is either a scam or fraud on their part. It just not right.

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 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received a letter in the mail stating an account was closed due to non payment and sent to collections. Pulled my credit report for information. This has affected my credit score. I am not sure if I opened this account. I do know I have perfect credit and all my cards have a XXXX balance. my only debt is my home. 
The report shows Chase card activity on XX/XX/2017. the report also shows an added address that is not mine on XX/XX/2017. the charges are not mine, and the account was written off, with a negative mark on MY credit. Called Chase to file a complaint and was told they would take up to 30 days to check this. I asked for a confirmation number, they said there is not one. I want to be sure this is taken off my credit report immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I've been paying 2 accounts with them so far. But they send me letters stating I am being sued and that I could even end up in prison for fraud. I am trying to clear these accounts but they keep harrassing me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I opened what I thought was a XXXX 's store only credit card. Wells Fargo instead issued a XXXX 's XXXX XXXX card issued and administered by XXXX XXXX XXXX XXXX. In talking to them they said they gave me an upgrade to the XXXX XXXX card because of my excellent credit history. I never wanted or agreed to this type of card. I wanted and thought I was getting a XXXX 's only credit card, not a card that could be used at 3rd parties. My exgirlfriend unbeknown to me used the card to make electronic 3rd party purchases. She changed the billing to her email account with out my knowledge. I got a letter dated XX/XX/XXXX addressed to my mailing address, after I complained to Wells Fargo, saying they had reviewed my complaint for fraudulent transactions, and based on their research, I owed {$800.00} for purchases made at XXXX 's XXXX XXXX XXXX   location in XXXX XXXX, MO. I paid the amount in full and got confirmation # XXXX. On XX/XX/XXXX I got a letter saying they were issuing me a new XXXX 's XXXX XXXX card, I told they I didn't want it to close my account, at that time I thought this matter was over and done with. I sent them a completed and signed Declaration of Fraud and Forgery. OnXX/XX/XXXX I got another form letter with no documentation saying I now owed {$2300.00} I called and they said they would look in to the matter. On XX/XX/XXXX again with no documentation I got another form letter stating I now owed {$6900.00}. I called Wells Fargo again and they said they would look into the matter and get back to me byXX/XX/XXXX.  Totally frustrated by Wells Fargo I am seeking your help. See attached documentation

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 2018-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Innovate Managed Holdings, LLC
State: NC

Complaint narrative:
I had a loan with another company. The company sold the loan innovative. Innovate forced me to pay the loan every two weeks on my pay day. They never allowed me to pay monthly and they charged me the highest interest rate. My credit score was XXXX and I didn't understand why. I was able to refinance the car for only 5 % I've been trying to get the title released and the representatives took over 2 months. The bank has called and my wife. I've even sent in a payment because of the long process. One of the representatives at innovate agreed that it appears that they are trying to keep the loan. I almost lost the approval. Innovate said they would not damage my credit. Which they did damage my credit. It is still showing on my credit report that this account needs attention and it's open negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
In response to a previous complaint where PRA has been dishonest and stated they did not receive notification from me about the two accounts they claim they bought from. I sent PRA a letter CERTIFIED MAIL on XX/XX/XXXX and it was signed for by PRA on XX/XX/XXXX @ XXXX XXXX. So they claim they are making is utterly FALSE and I have been disputing this fraudulent account. 



In response to your complaint, Portfolio Recovery Associates, LLC ( PRA ) investigated and verified the PRA accounts ending in XXXX and XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) XXXX  credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXXXXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. PRA also purchased the XXXX XXXX XXXX   credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$360.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letters to you on or about XX/XX/XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letters. PRA received and responded to several disputes, which we received from you and consumer reporting agencies. In response to your disputes, PRA previously sent you the attached letters containing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: NC

Complaint narrative:
I reviewed the Experian credit report I had ordered on XX/XX/XXXX and I saw an entry from XXXX/XXXX. I contacted Experian on XX/XX/XXXX, XX/XX/XXXX regarding my findings and demanded a Method of Verification/ Description of Procedure per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation into the items were listed on my report.

FCRA 611 ( a ) ( 7 ) states : Description of reinvestigation procedure. Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I received a response from them XX/XX/XXXX. It basically was their normal response. The information on this item has been updated. During this time per Federal law as listed in FCRA 609 & 611 they failed and or refused to tell me how they verified this. They provided no evidence to me at all even after I demanded the full scope of the investigation in my letter. 

FCRA 607 ( b ) states Accuracy of Report ; whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If XXXX  has deleted it and I sent you information, then it is XXXX XXXX obligation to maintain accuracy. 

Per the XX/XX/XXXX CFPB Report the following are causes of credit file inaccuracies : Data and data entry errors, CRA file matching inaccuracies, CRA process errors, Identity fraud/theft, Time lags and furnisher system or process inaccuracies : Failing to permanently change records when a consumer successfully disputes an inaccuracy, with the result that faulty information is re-reported ; Undaunted by this I tried once again. I asked for the same information from the other two bureaus ( XXXX & XXXX ). XXXX nor XXXX didnt provide it. As I believe all of  them are still using XXXX to verify when that has been ruled not to be verification. I also wrote XXXX/XXXX on XX/XX/XXXX and they never responded as well. With no response to me how is it that this is still verified. What were they getting that I wasnt that Experian refused to share with me the information that was in my credit file showing where they did a full credit investigation as I requested by law. 

All this correspondence I will be including for you as well. I am including the letter I had asking them to remove that as well.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I deposited my paycheck to my American Express Serve account via their mobile account. At XXXX XXXX I received an email notification saying my money had been transferred from my account to an individual, whom I do not know. The name given on the email is XXXX XXXX. I called to dispute it. Changed my passwords, atm pin, ect. At XXXX XXXX on XX/XX/XXXX I received an email says they decided it was an authorized transfer. Then at XXXX XXXX they sent an email saying I had a negative balance and at XXXX XXXX I had violated section 15d and my account is permanently suspended. I called and asked for the information of the individual who took the money couldnt/wouldnt give me anything. I asked what 15d violation was they said they didnt know what it was. Unfortunately the police are unable to help track it down. 

I cut up my card and no longer have the account number since Im locked out of it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has called numerous times on numerous occasions at my job. I receive at least 5 phone calls a day everyday. they called on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I've asked them to stop calling my job but they continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
XXXX has charged me for a balance that I do not owe. I reached out to them and discussed the matter and they told me they would clear out the account to zero. A years later, this account is still appearing on my credit reports and compromising my score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Bay Equity LLC
State: WA

Complaint narrative:
Bay Equity ( the mortgage broker ) stalled on the closing date long enough that the interest rate increased by .625 % and we were not able to go to another lender to get the promised interest rate. They told us that the stalling was because the underwriter needed a tax transcript rather than a color copy of the submitted tax return. In the end, they went with a different underwriter completely, so should have been able to do this at the outset. The total amount of interest we are now liable for is over {$20000.00} more than what we would have been liable for had we closed on time. After signing the documentation at closing, we were given a closing disclosure that was again incorrect and the processor refused to give me a straight answer about what numbers were actual. I have repeatedly asked questions to have them answered incompletely or not at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Transunion reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated :XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : > I have reported to Transunion that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. Transunion has declined to take any action or even to acknowledge my dispute

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