vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
In XXXX of this year 2019 i opened an account with first national bank XXXX XXXX XXXX XXXX XXXX   .PA XXXX.i made a deposit of {$20.00}. ( XXXX dollars ) to open the account.the person that assisted me was not pleasant or helpful towards me.i was also told i would get my debit card in the mail so i can do my further transactions on line because i am mostly in new york.after one month no card instead a paper saying i owe the bank fees and i am in negative balance i contacted them they said they would send my card and dismiss the charges so i can do my banking and on line also because i can't do that without the card its now XX/XX/2019 still no card and the fees have gone up i contacted them they said the bank manager would reach out to me but till now no one has contacted me. I asked them why they are doing this when i called on there recorded line. If it was because i was XXXX they didn't respond or contact me back instead a threatening letter to report me and have my name made bad by credit companys.any help would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
They want to make payments on a monthly basis, they do not give me the option of submitting the payments in a more comfortable way for me. I explained that due to economic situations that I am slowly solving, I can submit the corresponding payments. 

They even asked me if the IRS submitted a payment and that way I paid them the money, I explained that in the case of Puerto Rico it is different and they also asked me in a harassment way if I was married and that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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: AZ

Complaint narrative:
There have been several charges made to the same merchant which we frequently do use, however in this instance none of these charges where authorized by us. I have tried contacting Barclays, but the are refusing to consider this fraud as they are stating the physical card was used. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/XXXX30 Days Late in XXXX XX/XX/XXXX30 Days Late in XXXX and XXXXXX/XX/XXXX 30 Days Late in XXXX  XX/XX/XXXX 30 Days Late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 90 Days late in XXXX  XX/XX/XXXX 90 Days late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 60 days late in XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there are issues with the way they receive my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
we have a morgage with Ocwen and this company transfered or bought a company which is now taking over our account they are XXXX XXXX  they have been working on this over a month now. my payment was du on the XXXX of XXXX and it was supposed to be drafted from my bank, it has not I have called XXXX and the said they will be drafting it but never say when and they told me thatwe have up to six months to be updated without incurring any extra fees but I am worried because next month is coming and now I will have two month statements due and what if they take longer where am I gon na get the money? i have called several time and they offer no remedy so that I can get current all I want is to be able to access my account and pay my bills on time which they are not making it possible for me to do so, and OCwen did this before and it put us on a bind because of the same matter we had to come up with two month at once and a start up fee when they also changed to another account manager about four years ago if I am not mistaken on the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2019-05-17 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: NY

Complaint narrative:
Since XX/XX/2018, XXXX XXXX has been charging both our credit cards from Barclays and XXXX XXXX. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, Barclays and XXXX XXXX did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.

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 2019-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I filed for bankruptcy XX/XX/2018 XXXX Sun Loan was a part of this bankruptcy and will need to be removed from my credit report and ONLY listed as an account under my bankruptcy discharge as a closed account. Please correct this issues immediately. It is my right to file a complaint for reporting false information according to the fair credit act.

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 2019-05-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (  an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

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 2019-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Mattress Firm sent a credit card with a {$6000.00} limit to our home. We closed this account over a year ago. I entrusted them with my personal information, and they chose to abuse it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I paid {$5200.00} on XX/XX/XXXX to XXXX. That was past due and 1/2 of XXXX 's payment. I paid {$350.00} on XX/XX/XXXX to XXXX, that was the second half of XXXX payment. I paid {$350.00} on XX/XX/XXXX to XXXX that was the first half of XXXX. I paid {$350.00} on XX/XX/XXXX to XXXX that was the second half for XXXX. I then saw on XXXX statement that XXXX had applied {$840.00} to " attny Adv Disb '' and {$190.00} to " Corp Adv. Disp '' this is incorrect. I contacted XXXX and was told the amounts would be corrected and they would put the {$1000.00} towards the remaining {$350.00} of XXXX and the rest towards XXXX. That is {$680.00} that should of been put towards XXXX payment leaving a remaining balance of {$25.00}. I made payments of {$350.00} on XX/XX/19 and XX/XX/19 directly to Loan Care ( who took over the mortgage ), both of which have been cashed by Loan Care which is a full months payments to use for XXXX. The only remaining balance that should of been shown is {$25.00}. It was then found that XXXX also misapplied a payment received of {$350.00} by putting it towards non existing late fees. This was suppose to be corrected as well ( Loan Care is who informed me of the payment being used towards late fees, XXXX is who confirmed they had fixed it ). With that correction, it would of XXXX XXXX  out the {$25.00} and put {$320.00} towards what is due for XXXX. I have been on the phone atleast twice a week with Loan Care for the past 3 weeks trying to get this corrected still with no success. I just want it fixed so I can pay the remaining {$370.00} for XXXX and get set up on auto payments starting in 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 2019-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLIANT CREDIT UNION
State: NJ

Complaint narrative:
Alliant Credit Union continues to send me letters that I'm in breach of the terms of my agreement and threatening to raise my APR to 24 %. 

I had previously sent a email to several executives at the credit union in an attempt to clear up this matter however it appears XXXX has managed to somehow XXXX up the situation again and blame the consumer. I received two phone calls from credit union representatives and I followed their instructions. 

XXXX XXXX # XXXX proves the credit union received the information they asked for, which is the vehicle title and notarized power of attorney ( two copies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there is an issue with the banks for them to get my payments.I 'm really don't know what happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XXXX of 2018, XXXX XXXX has been charging both our credit cards from XXXX and Capital One. However, we never used our credit cards at our local XXXX store but if any, we used cash or our XXXX debit card. There have been unauthorized charges going on for over a year which we only caught recently as they were small purchase amounts. However, this kept occurring even with cards reported as lost. Even with the new numbers XXXX was able to charge us. One charge occurred miles away from where I was sitting at dinner with friends and in possession of the card. At first, XXXX and Capital One did investigate and determine that those were fraudulent charges but since then they claim since it was used with chip cards, those charges must have been legitimate and basically tell us, the customer, that we are lying. 
We are outraged since theres no protection against the fraud and wrongful accusations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
online banking has been unavailable for computers since Wednesday XX/XX/2019. It is now Friday XX/XX/2019 and there is no estimate available for when it will be fixed. I filed an executive complaint with XXXX, case no.XXXX but she stated she has no access to email to send any follow up information.

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 2019-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HOVG, LLC
State: TX

Complaint narrative:
A debt through bay area credit service came up on XXXX XXXX for me, so I called them and paid the debt off in 2 payments. The payments were taken by XXXX XXXX, 1st payment was on XXXX for {$450.00}, the 2nd payment to pay it off was on XX/XX/11 for {$280.00}. They had my address incorrect in their system, so I gave them my correct address when i scheduled the payments. About a week after the account was paid in full I called and spoke with XXXX XXXX and asked him to delete the debt from my report because I never received notice of the debt to begin with and wouldv'e paid it from the beginning to avoid it getting reported if I knewabout it. I was told that it is company policy to not delete debts from credit reports, even if the address was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
For the past 7 years I have been trying to remove a debt on my credit report from XXXX from XX/XX/XXXX. It was a service that I no longer wanted and let go of but no one from XXXX would help me out. 7 years later and XXXX XXXX and XXXX were able to get it off but when I disputed it with experian, they refuse to take it off and tell me that it wont come off until XX/XX/XXXX, which is wrong because this year is the 7th year, I was told this by XXXX ( XXXX  ) and XXXX  ( the collections agency  ) that the debt would fall off the credit report this year in XX/XX/XXXX. The only reason I never paid this debt was because I felt like I was billed incorrectly and when I originally went to go resolve the issue with XXXX no one would help me. Once again, I was able to get it off XXXX XXXX and XXXX   but experian refuses! I have made 3 disputes with them and they still do nothing for me. I called XXXX ( XXXX ) themselves and 2 representatives told me that it would fall off my credit report in XX/XX/XXXX! This is the only debt Ive ever had on my credit file and the only reason its there is because I felt incorrectly billed and no one, at the time, would help me.

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 2019-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Check from business was deposited by me to my checking acct via ATM and for the first time ever, a10 day hold was imposed ; both banking institutions are major banks, business and myself are local or within the same city area. I have been to my bank, businesses bank, and corresponded with business personell who provided check to me. My bank is not releasing funds and said the hold is from the issuer 's bank, the person from the business has said the check cleared their bank and the hold is from my bank. The issuers bank will not discuss any part of this with me. I just need either the funds released or be provided the documentation that the check is no good, possibly?

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 2019-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
This debt does not belong to anyone in this household. I assume it is connected to this phone number because we have had the number for less than a year. This company called Convergent calls multiple times a day and doesn't listen when we tell them they have the wrong number.

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 2019-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Dear CFPB - I want to report TCF Bank Illinois as an institution who practices maximize the amount of fees they can charge their customers. In the agreement I signed when I first opened my checking account, I was told I have until XXXX XXXX CST to bring my account to a positive balance each business day to avoid overdraft fees. However, each night when the bank does it's nightly processing it often processes transactions that have not appeared on your account pending or otherwise and then dates them as transactions from the previous business day. Therefore, you do not have a chance to bring your account positive because this processing is done after XXXX XXXX  CST. I have spoken with my local branch manager about this practice and they defend the bank by saying that they have " no way of knowing '' what transactions are going to be processed overnight. 

Since XXXX of 2018, I have been charged {$2400.00} in fees. Both my husband and myself direct deposit our payroll checks into this account. I refer to my mobile banking app multiple times a day to make sure I am up to date on the transactions coming out of my account and funds available. However, TCF bank 's lack of transparency about all pending transactions leads to exorbitant fees. 

I would appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation