vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had a business credit card with Captial One Bank. I spent over $ 60k on the credit card never missed a payment or was ever late. when i signed up they had a offer when you reach $ XXXX with in six months you get XXXX bonus miles, which ive reached. a month after Capital One shut my card down. I called, every Manager I spoken to looked over my account and said they are not sure why my account was closed and they were only able to tell me that I broke terms and conditions. I asked them what terms and conditions I broke and there response was they don't know. I wrote two letters asking what terms and conditions I broke and all i got back was I broke terms and conditions but wouldn't tell what terms I broke. I looked over the terms and conditions and no where does it state if my account gets closed are they allowed to confiscate my rewards. due to the fact that Capitol bank refuses to tell me what terms i broke, that tells me i didn't brake any terms and conditions and even if they closed my account down it doesn't state anywhere in Capitol Ones terms that they are allowed to confiscate my rewards. I haven't changed anything or done anything different since the first day i had my card. 


I have gotten back a response from CFPB regarding my credit card that was closed. The statement is false, it doesnt say anywhere in capital ones terms and conditions that if my account is closed my miles will be forfeited. Thats a false and a lie. I see that capital one is not there to help there customers. Ive read other blogs online that capital one closed other customers accounts for no reason. I will be going to my local news station to have them air this story. Capital one confiscated my miles for no reason. There customer service is terrible. They are not there to help there customers. I will also be filing a law suit in small claims court. Its states no where in terms and conditions that capital one has the right to forfeit any rewards if they close a customers account down. I will go to all media outlets to let customers know how capital one deceives customers into spending money on singing up for credit cards and closing them down for no reason. I will make sure my story gets everywhere and I will be filing a lawsuit against capital one. I have many news stations that are wanting to air this story how capital one just confiscates customers rewards. Ive read many blogs were the same thing happened to other customers. I paid my credit card in full and capital one fooled me into spending $ XXXX and when I got the bonus they shut my account down. It states no where that capital one has the right to forfeit my miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Certegy Holdings, LLC
State: CA

Complaint narrative:
Certegy is a check cashing recommendation company.They alerted XXXX grocery store # XXXX on XX/XX/19 not to cash my check for XXXX. I had recently changed my account number because of a lost check. Since Certegy does not reference the old account to the new one my check writing history no longer existed and that it why they recommended not to cash the check. Certegy should be required by law to reference the change in account numbers as it must occur fairly frequently. Furthermore in this day and age it should be easy to electronically determine if funds are available in the account.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I obtained a loan, which functioned like a credit card ( though I never received a physical credit card ), from Synchrony Bank. Upon paying the full balance of the loan, I asked for my account to be closed and for my personal information to be deleted. I was assured both were handled. Today, I received an email from Synchrony Bank concerning an unrelated matter of no consequence to me, other than the fact that I was emailed means Synchrony still has my personal information in their database. I would like 100 % of my personal information to be deleted, so I called Synchrony and was basically given the run around. The last person I spoke with informed me that Synchrony can't delete my personal information, but would never use it for anything. The email I received leads me to believe Synchrony may have suffered a data breach, meaning my information, along with that of thousands or millions of other people, may have been stolen. This is unacceptable.

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 2019-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I contacted comenity bank to request a credit limit increase on XX/XX/XXXX. I did this submission online in my online account. So I did not get a response, so I called them on this same day and I spoke with a supoosedly supervisor. I explained everything and she said all I can tell you is that they will try to contact you concerning this so be sure to answer the phone. Well I have been thrrough this one time already back in XXXX XXXX with comenity and this Victoria secret card. They did the exact same thing and said the exact same thing and I waited and waited and no one ever called. So on yesterday I received a letter in the mail that says they tried to call me and could not reach me. THIS IS A LIE. No one has tried to call me and I have called all 3 of the credit bureaus to make sure my number is on my credit report because I knew prior to dealing with comenity they would say oh your number is not on the report. So I knew the number was on the reports. When I called morning and had to remain on hold for 35 minutes only to be told I would have to go through verification because this happens alot at comeity. The supervisor was rude and she confused me on one of the verification questions. She told me I would have to call XXXX   to have the fraud alert off my file in order to proceed. She acted like I was a problem and she did not want to deal with it which is very unprofessional because I am a loyal customer. Never late, pay over the amount needed and spend generous amounts of money with these companies. So I did call XXXX, got the fraud alert lifted and sent in a email that XXXX told me to send in stating the alert was lifted along with a confirmation number. So I call back and spoke with XXXX, explained this situation over once again and asked for a supervisot, she comes back to the phone after I am on hold for another 25 minutes to tell me that the supervisor XXXX would not speak to me and he said send in a utility bill to verify who I am.Which I have done but cant seem to get a answer from amyone now. Thats unprofessional as well when he is the supervisor, that is not how you treat loyal customers, if it was not for me having a card they wouldnt have a job, so dont treat people wrong and that is why I am upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a loan, refinance with XXXX on XX/XX/2019, and was denied credit on XX/XX/2019 because Experian reported that i had no credit, code XXXX. I went to freecredipt report and got all there credit reports, all were fine. I opened an account with Experian to view my credit score and my account showed the same thing, no recent credit activity. I went to dispute my account and that is where the problem began. I followed the link to disputes, but there is no way to dispute a problem with my account because of Experian 's, i guess with their software, causing it not to use my credit information that they have. My credit report from Experian is fine. it shows 49 account with all of my credit activity. I called them regarding this issue and was transferred back and forth form disputes to membership six time. Experian 's reps kept telling me that I have no credit activity to generate a credit score. I explained that I just generated a credit report from Experian that showed my accounts and activity, the system they were using on their end did not generate the same report. they kept telling me I had no accounts or activity. I was on the phone with Experian for 2 hours, finally asking for a supervisor. Experian finally understood that the problem was on their end. Experian forwarded the issue to the fixing department and said it should be fixed within five business days. My biggest issues is. there is no was to raise issues on Experian 's website to raise questions about how they, Experian, wrongly report credit like they wrongly reported mine. I didn't see any drop down question at this website, CFPB, either. I guess my problem is not common but Experian 's wrongly using my credit activity and accounts, through their system, caused an adverse credit report and credit denial. Another issue with Experian is their customer service agents are not trained on the issue that affected my credit, believing their system could not be wrong. I think the five business days to correct this problem is also excessive. Experian should be able to immediately fix the problem where their system is the cause.

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 2019-11-26 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: American First Finance, Inc.
State: TN

Complaint narrative:
I noticed negative reporting from XXXX XXXX XXXX when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt.I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and XXXX XXXX XXXX has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other 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: CNG HOLDINGS INC
State: LA

Complaint narrative:
Today, XX/XX/XXXX is my first time hearing of this debt. The guy stated he is a compliance officer and he was sending my information to have me arrested for grand theft if I didnt pay for a debt. He wouldnt tell me what the debt was for. And continues to hang up in my face. Then After the third call he forward me to processing saying that he already sent my file to have me picked up in 24 hours. This was so humiliating as I didnt even know what this was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/XXXX I receive three email from synchrony Bank those three email with very strange but very familiar to me I knew exactly what the email meant but two hours later synchrony Bank trying to fix the error, no unacceptable. 
synchrony Bank has send me a email telling me both in my account with XXXX and XXXX was A Trial deposit has successfully make to you ( me ) that was no mistake I know exactly what happened I know my legal right I'm a security party creditor was my trade name copyright ( helder-in-due-course ) I have file my ucc-1 adding ucc-3 I know it is actually my legal standard I know how Bank work but is trying to deny it is something called XXXX XXXX when you give them permission your social security number your name they all ought to go to the XXXX XXXX Bank back window and ask them for money I know that they don't want you to know that I know exactly how it works. I am a secured party creditor, helder-in-due-course. I know how the work they can not tell me that I don't know what what's that email and then later on this day that I apologize this send a email to the wrong person or I don't know. 
They need a good explanation for that they don't have one they can't give me one because finally they made it a mistake to send email to the account owner.

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 2019-11-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have student loans on my credit reports from XXXX, XXXX, and Equifax that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as SC Student Loan , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but Equifax and XXXX are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from XXXX-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: SC

Complaint narrative:
I have student loans on my credit reports from Experian, XXXX, and XXXX  that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as XXXX  XXXX XXXX  , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but XXXX  and Experian are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from 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 non-monetary relief
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
hello. 
I had a mortgage of {$310000.00} with XXXX XXXX XXXX XXXX XXXX, a Delaware corporation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXXIn XX/XX/XXXX XXXXwith a PMI. Then my loan was transferred to other loan services.in XXXX it was by XXXX ( i was never told that they are debt collector. ) WHEN I asked for the original NOTE, ( I had a contact with a lawyer that told me my mortgage was paid off. ) they started a foreclosure process.and get to a sheriff Sale. At that point, I had a bad mortgage counselor, that put me in a wrong loan modification to save my home. I make 9 payment of XXXX.i was asking for the original NOTE, in the beginning of XXXX, XXXX, transferred the loan to Mr. COOPER, I CALL my loan specialist from Mr. COOPER more than 6 times, to tell them that my loan was paid off, to investigate the original note. 
they told me each time they are going to investigate and to sent me the proper docs.AS today XX/XX/XXXX, I did not receive from them. 
I have a strong understanding that my loan was paid off. 
as any time I asked for the original NOTE NO one was able to provide any note.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I recently complained about this same issue of XXXX XXXX trying to collect on a debt that is over 10 years old.  Since the previous complaint ; they have now sold this account to Enhanced Recovery Company stating this is a new account. 
I have not opened an account with this company and this was removed prior because XXXX XXXX sent it to another recovery company. This should be illegal for them to continue to sell old debts to Collection agencies. This was removed off my credit report earlier this summer and now it is back on here again. It states that between XXXX XXXX, 2019 and XXXX XXXX a new account in collections was added to my credit report. I need this removed from all 3 credit bureaus due to this is an old debt over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
First Mortgage payment was due on XX/XX/XXXX OR XX/XX/XXXX. 
Chase Bought loan from another Mortgage company. Total Mortgage due Monthly is $ XXXX taxes and insurance is in payment as well as principal and interest. ( {$1600.00} Divided by 4 weeks = {$400.00} per week. ) To be clear, all other banks/Mortgage companies have applied our payments directly, when payments were received to mortgage/principal with no issue for almost 2 decades on several past homes as well as our present home. Lastly, we did not agree to have our mortgage/terms with Chase they purchased our loan after the fact. 
We began WEEKLY payments as we always have of {$400.00} per week on XX/XX/XXXX up to the date of XX/XX/XXXX which total sent Chase via automatic payments from our bank was {$3200.00} total sent to Chase as of XX/XX/XXXX. In addition there is another payment pending that has not been processed by our personal bank as of yet of {$400.00} that will be paid to Chase on XX/XX/XXXX. 
We received a letter from Chase saying we owed and were overdue {$3200.00} ( the exact amount we had already paid ). 
My husband and I called Chase on XX/XX/XXXX and they said they coded account wrong and were not applying payments to our mortgage payments but instead as additional principal payments. They say they will fix this with-in 3 days. 
Our concern is without us agreeing to or being notified ( until overdue notice ) they made this decision. They also say in the future whether we do bi-weekly payments on their site or weekly payments from our banks site. They refuse to put the payments towards our mortgage/principle. Instead they say they will hold the money and pay full mortgage payment on the payment date and refuse to process payments or apply to the principle at the times the payments are made. They also refuse to apply the weekly monies that we have already paid toward the initial principal/mortgage according to the dates they were forwarded. 
We are also concerned with possibility of both of our excellent credit reports going down because they did not process payments properly and listed us as overdue when the account was paid in full. There is a payment pending at our bank and being sent on XX/XX/XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: Modern Adjustment Bureau
State: CA

Complaint narrative:
the credit report agency did not help at all, infact made it worst. they are believing the collection agency. even with my proof. the collection agency said we waited so your 5 years mal practice rights are done. Very bad man. Don't owe a penny.

Company response to consumer: Closed with non-monetary relief