vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-11 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: DISCOVER BANK
State: KY

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX phone XXXX was the motel I rented a room for my son XXXX for 10 days at {$60.00} a night. They also were given {$50.00} in cash as a security deposit on XXXX/XXXX/XXXX. The merchant # was XXXX and store # XXXX. This was charged by me on my Discover Card XXXX on the same day. 

3-4 days later the owner evicted my son, since a visitor has come to his door, unbe knowings to my son of his visit. He verbally harassed my son to leave and we were never told there were no visitors allowed. I had to secure transportation to another hotel. The owner of the hotel would not give him any funds back. I also sent a letter with XXXX drivers license in the letter to the hotel, which they have never given this back to my son nor returned to me in the mail. 

I have spoken to Discover and the motel several times to delete the entire charges on my account. They want documentation, which did not happen since it was verbal abusive behavior. Discover has before refunded it and then adds it back on my checking account, which is now frozen. My mail is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and discover is XXXX XXXX XXXX, XXXX XXXX Oh XXXX. Thanks, XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I wrote a check, # XXXX, in the amount of {$2700.00} payable to XXXX XXXX in order to close out my credit card account with it. The check was mailed on XX/XX/XXXX.
I received a letter from XXXX XXXX, dated XXXX XXXX XXXX, stating that it had not received the due payment. A call to XXXX XXXX  confirmed that the check had not been processed and due to the time lapse recommended I put a stop payment on check # XXXX for a fee of {$35.00}.
On XX/XX/XXXX I called XXXX XXXX to discuss the matter and the representative confirmed that my check had not been processed and that my account had incurred a late fee of {$15.00}. The representative told me that the late fee would be waived if I would make a " 1 time immediate on-line payment or automatic phone payment. '' I asked to be transferred to a supervisor for expedited payments. The representative agreed to transfer my call however after a 30-minute hold, I hung up and opted to file an on-line complaint via Synchrony 's website, which promised to respond within 3 business days. I did not receive a response.
I called my bank to set up the stop payment on check # XXXX and I made the 1 time phone payment of {$2700.00} to Synchrony via a funds transfer from my account.
XXXX XXXX XXXX failure to process my XX/XX/XXXX payment in a timely matter resulted in my incurring a stop payment fee of {$35.00}.

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 2017-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: WI

Complaint narrative:
I am in Chapter XXXX bankruptcy. My mortgage was sold to Fay Servicing in XXXX XXXX. In XXXX I was struggling to make mortgage payments. I finally got caught up with my payments, as I was aware, in XXXX XXXX. In XXXX of XXXX I called my account manager at the mortgage company and asked her to tell me where I was in my payments. She never returned my call. It turns out at that point I was less than {$60.00} behind. I missed XXXX 's payments due to some car repairs. In early XXXX the mortgage company filed to remove themselves from the bankruptcy. On XXXX XXXX, I sent XXXX 's mortgage payment. Unbeknownst to me, the mortgage company changed their mailing address and never informed me. As a result, the payment was lost for approximately two months. Now Fay Servicing tacks on a {$900.00} attorney fee. For being what was basically one month behind in my payments. By the end of XXXX all payments were current. In the court hearing with Fay Servicing to find me in default of my bankruptcy agreement and the subsequent paperwork the trustee sent to me, I discovered that Fay Servicing once again changed their mailing address without notifying me. If it were n't for the paperwork received from the trustee, my payments would again be lost, and I would lose my home. I believe they are deliberately not giving me crucial information so they can foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX I had a bal in my checking account of {$120.00}. On XX/XX/XXXX l checked account again and it showed negative {$400.00}. The pending transactions were a {$75.00} and {$450.00} auto payments. The {$75.00} payment was pending 1st and {$450.00} payment 2nd. I made arrangements to transfer {$400.00} into my account to cover amount short.. This morning XX/XX/XXXX checked bal and it showed {$400.00} deposit pending because it arrived after midnight, but they reversed the order of the 2 automatics and charged me two {$34.00} overdraft fees. When I called Chase bank to correct problem and at least refund the od fee for the {$75.00} payment, they refused stating it was there policy to pay the higher amt check first, advised her that the policy did no benefit me in any way, but allowed them to charge and extra od fee on my account. When I advised her that I had a screen shot showing the {$75.00} pmt pending 1st and the funds were there to cover it, she said did not matter because it was there policy to post larger amt Please help. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank does not notify customers if/when any payment has not successfully gone through. They are clearly making the paying option so extremely difficult so they can collect additional fees for " late payments ''. 

Each payment must be made by inputting your routing and bank account number EVERY time you wish to make a payment. Once completed, they immediately credit your account. 4-7 days later if there is any typo in those sequence of numbers, or if US Bank could n't define it as a savings or checking account, they refuse the payment and do not notify the borrower in email, letter or online message that the payment was unsuccessful. They mark your account late and reverse the payment. In doing so they fraudulently back date the payment reversal to the day payment was made ( which is completely erroneous ). 

In my case, the payment was made on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX they reversed the payment. However, on their end they falsify the report stating is was made and reversed XXXX/XXXX/XXXX. Additionally, I receive a letter in the mail when payment is due, an email when payment is made and NOTHING is emailed, messaged or notified when the payment was unsuccessful. They also do not indicate why the payment didnt get applied. they can not definitively say it was a typo on inputting the data, or a outright error on US Banks end. 

This company is clearly doing this to erroneously add fees to consumers accounts. They are not trying to remedy this matter. It requires consumers to call them days/weeks later to try and figure out why they have refused the payment. Resulting in customer service not being able to tell you why, how or what cause the reversal. 

I believe US Bank is violating the FDCPA and FCRA. They should be investigated as not so many consumers are now aware of their deceitful acts as I am. They need to be compliant like all other lenders who are running a reputable payment option. I 've never seen something so antiquated and illegal occurring with what should be a big bank.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Sir/Madam : When the XXXX data breach occurred I immediately tried to place a block on all companies that gather credit information including Experian. Normally that should have been a simple process, however when I attempted to place a block via their website the company directed me to set up an account and charged my credit card for nearly {$30.00}. When I realized what had happened I cancelled the unsought " membership '' and as a result I received the following message on XX/XX/2017 : " Unfortunately, your Experian credit file has been automatically unlocked. 
Our CreditLock feature is currently available to upgraded members only. Because you chose to cancel your upgraded membership, you are no longer eligible for this benefit. 

If youd like to take advantage of the CreditLock feature once again, you can simply upgrade to have all the benefits you had before. 
Upgrade now '' The message above seems to me like an attempt to extort a monthly fee for a service which I did not request. All I want to do is to lock our credit accounts, but I am not certain how to accomplish this without incurring additional charges. 

Is it possible to pass legislation/regulation to control this type of consumer abuse? 

Kind regards - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I 'm submitting this claim against Experian because I had three collection agencies ( the only three on my report as of now ) that were never supposed to be on my report in the first place from a collection called XXXX XXXX XXXX ( scamming company please research them ) 1st off they have never sent me information proving this debt belongs to me ( signed copy with my signature ) I filed a Dispute so experian removed this my score was a XXXX by them removing this then I look up about 10 days later and realized it was a XXXX and they re-added all theee collections back on there. 2nd of all even if these were validated /verified which were n't because it 's not verified until they send me proof of my signature on this debt they did n't notify me within 5 days that they were putting these back on my report which is breaking the fair act law. I 've worked so hard to get my score to the XXXX XXXX just for them to re-add those collections back on there that were never suppose to be on there.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX, 2017 I tried to get all 3 of my credit reports at XXXX. It only gave me one report even after I tried four times to enter my complete information. After entering the correct capcha it would only return me to the first page to enter data all over again. I have not seen nor requested to see any of my credit reports for several years so that can not be the problem for why I was denied seeing my reports.

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 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was unaware that my dealership was going to put inquiries to several different banks. This was unauthorized on my Transunion Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC
State: RI

Complaint narrative:
Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.

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 2017-10-11 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: Credit Plus Inc
State: WI

Complaint narrative:
I submitted a report about my credit being pulled without my authorization. I want the inquiry removed from my credit report. 

Credit plus responded back " On XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. If you did not authorize access to credit data ; please file a new case. A hard copy of this same information will be mailed to your postal address. Please contact our Consumer Disputes Specialists at XXXX or XXXX if you have any further questions/concerns. Sincerely, Credit Plus Inc. '' As I stated in the original report, I DID NOT AUTHORIZE ACCESS TO MY CREDIT DATA. My husband mentioned in casual conversation to someone from XXXX that we might be refinancing this year, and they took it upon themselves to PULL MY CREDIT to check rates. We did NOT authorize a credit pull, and no one ever spoke with me at all, they just accessed my information from when we were originally applying for loans back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Capital One Credit Card What is this complaint about? Charged off account XXXX for missed payment, I told them that I could not make payment on time because of Hurricane Irma, I live in Florida. 
What type of problem are you having? I paid my bill for XXXX XXXX, I was told by Capital one that XXXX account could not go 180 days past due without payment, so I made a payment on XXXX XXXX. I received an email stating making a payment of {$88.00} to keep your account from charged off, so I paid {$90.00}. Copy attached to this complaint. 
What Happened? Capital one Charged account off, stated that the reason the account charged off was because there was not activity, or payments made in 180 days. 
What company is this complaint about? Capital One Credit Card Who are the people involved? Capital One Credit Card Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 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: WI

Complaint narrative:
A friend of mine wanted to sign up for my credit card - the Delta Platinum Skymiles American Express. I sent him the referral link on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX which he used to sign up. He was approved and signed up, I have even seen his card since then. I called several times, including XXXX/XXXX/XXXX and they told me they did n't even see him as a member. He then called to verify his info and opened a ticket XXXX/XXXX/XXXX. He was given a ticket number XXXX and told we should follow up in 6-8 weeks. as of XXXX/XXXX/XXXX, my friend called back in and was told it was still active. I called in XXXX/XXXX/XXXX and was hung up on, called back in and was told that they deemed I did not earn the referral points. I asked to speak to a supervisor and they said someone would call me back, nobody ever did. Today XXXX/XXXX/XXXX, I called in and they said I did not earn the XXXX points because my friend did n't use the link ... which he in fact did use. I asked to speak to a supervisor again and was told they would call me back. I refused that given my prior experience and was put on hold and eventually transferred. The supervisor told me she can not help, that I would have to reopen another ticket that would take up to another 120 days to review and that I should call tech support at XXXX. At this point, I am so frustrated. I have another friend who wants to sign up but I refuse to refer her in to such a flawed system. I have been a member since XXXX and am beyond frustrated. This is for XXXX referral points!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN 2009, the IRS mistakenly issued a lien in XXXX county ( XXXX ) Tennessee. The lien was for a different person with a similar name -- but was reported to all 3 major credit bureaus. I discovered it a few weeks after it hit -- and went thru a 3 month ordeal proving that it did not belong to me and getting both a release of the lien and then a withdrawal of the lien from the IRS. 
Once arranged, I forwarded both documents to all 3 credit bureaus and the item was properly removed from my credit files. 
Last week, in preparation for buying a home, A loan service ran my credit reports -- 2 were accurate ( XXXX XXXX and XXXX ) but Equifax was once again falsely reporting this lien as still active -- negating my ability to gain a loan. When I contacted them they informed it would take from 3-6 weeks to resolve -- and that they would mail me a copy of the credit report but would not in any way address the issues until I had gone BACK thru their complaint systems again. 
I have since sent the documents to the loan company and I think my loan will be fine -- but that does n't excuse the sick and perverse maintenance of this lie about me that has likely been there for months -- after successfullly removing it for most of a decade. 

Their conduct is such that I believe that they should be forced out of business -- as I can not see any other way that this event occurred other than thru Gross Incompetence or Deliberate Malicious action -- in either case -- please, please SHUT DOWN THE Equifax LIE FACTORY!

Company response to consumer: Closed with explanation