vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Over the last 2 months First National Bank of Omaha has been lowering my credit limit even though my credit score has gone up by over 80 points, and my credit usage has been dropped by over 30 %. For months when I had over 1750 dollar balance they did not lower my limit. Now that I have been paying off the card each month, and carrying a lower balance they have dropped my limit by over {$1000.00}. All they tell me is that I can request a hard pull on my credit report, and they MAY increase my limit. MY credit score is now back to where it was when they originally gave me the card. I have NEVER missed a payment on their card, and I pay above the minimum every single month. 

Right now, their decisions are affecting my credit score, and no one can give me a good reason why.

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 2018-05-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I was sent an Installment Loan Final Payment Notice stating a final balance due on my auto loan with Fifth Third Bank of {$830.00}. We expected to owe no more than a few hundred. This total was a shock.

After receiving the notice on Saturday XX/XX/XXXX, I called the customer care number of XXXX first think Monday morning, XX/XX/XXXX. I spoke first with XXXX, then escalated to XXXX in customer care.

They explained that 19 late charges ( each a ~ {$27.00} fee ) had added up over the life of the loan.

All they could do was reverse two charges. Yet, after a detailed account inquiry with them, I am formally submitting a complaint for these reasons : - I was never alerted we owed any late fees - We paid every single payment using the coupon book - We always mailed payment to the Bank prior to XXXX  of monthlast day of grace period - On a few occasions when we knew we missed grace period, we included an additional {$30.00} late fee - We were given no way to have the Bank waive the additional fees, but instead were told regulators do not allow banks to work flexibly with people in these situations for fear of favoritism ( my words ) We owed {$300.00} but now still are expected to pay {$830.00}, though we paid every coupon payment in full. This is not acceptable.

Please note that Fifth Third sent me this notice on XX/XX/XXXX and I did not receive in the mail until XX/XX/XXXX.

I sent in all my payments in the mail with postmark before the end of the grace period. Yet I am penalized for mail delays we see so common, even from the Bank sending this notice to me.

The Bank told me todayfor the first timethat I had 19 late payments for this exact reason. I have had a sterling credit history and do not make late payments as a pattern. I thought all along I was playing by the rules and was never told otherwise, until the shock of a lump sum final payment hit, with no reasonable options to sort it out without having the escalate to the Federal Government ( CFPB ).

Had the Bank alerted me each time I had a late fee charged for this reason, I would have paid it right away and known not to postmark by the XXXX, but by the XXXX. By extending consumers a grace period ( to the XXXX, in my case ) but then penalizing them for not having received the payment by the grace period date, it is no grace period. It is another way for the Bank to take advantage of its power position in the situation.

Yet, the Bank Personnel I spoke with were fantastic and understanding. Community banking practices would have allowed them to remove the fees. Regulating these practices out of our system may feel more fair, but it is actually harmful and slow. The bank should be able to remove these fees after a simple inquiry on its own, without me having to resort to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone wrote a check and deposited the check into my Bank Of America checking account in XX/XX/2013. I reported it as Fraud transaction. Bank Of America never got back in touch with me about this. I now can't open up an account with no bank because of this. My name is 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 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i FILED A COMPLIANT WITH cfpb AGAINST XXXX XXXX XXXX because they reported a payment late on an auto lease when it was not The account in question was with XXXX XXXX XXXX XXXX I got an apolgy from XXXX and a promise to correct the status XXXX and XXXX subsequently corrected my report ... Trans Union did not I have disputed with TU 3 times ... spoken on the phone with TU for hours and still my report shows this account as 30 days late for the XX/XX/XXXX payment which is absurd because i never made a payment in XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX because the car was turned in early I received a final bill and it was paid by the XX/XX/XXXX due date I don't know what it is going to take to get TU to fix my credit report. I am at my wits end with them and hopeful that the CFPB may get some action.

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 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
The Company that I would like to make a complaint about is the company that go by the name of XXXX XXXX XXXX. Now it has been renamed as One-Main Financial. They sold my account to a third party debt collector, XXXX XXXX, pretending to be an attorney office. 

When I lost my job in XX/XX/2012, I owed a balance of $ XXXX.Additionally, while I was employed, I had the type of insurance that if you loose your job, the insurance should cover it. Long story short, I informed them of this. I was told to keep making payments from my unemployment checks until the insurance would take over and pay debt. I was put on a payment plan that lowered my payments but the interest rate of loan had doubled. I confronted agent over this, she stated that there was nothing that she could do. I was paying faithfully, every month with double the interest rate. The more I paid on this account, the higher the interest rate became. I confronted agent again, she stated I should continue to pay even if I had lost my job. 

After contacting company about balance, they stated that I should be getting something in mail. I took a visit to company, I was told same exact thing. I called several times and was told same thing. 

After several months, of paying what I could, the loan had ballooned into {$2500.00}. They had tripled the interest rate. Now today, they state that I owe them {$6000.00}. and more. At this point, my debt had been sold to a third party. I asked about the balance, they stated that they did not have that information and that I had to contact the third party debt collector. This collector was XXXX XXXX, they stated that they were an attorney office and if I did not pay full balance I would be arrested. This is abuse of power and harassment. They would never give me a verification notice of the amount that they incurred from XXXX/One-main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing , Inc. reported that I didn't pay my mortgage for many months and that's not true. 

I have ALWAYS paid my mortgage every month using XXXX XXXX XXXX  auto-pay. I pay it in ( 2 ) payments to keep my cash flowing. 

I did not realize they increased my mortgage due to an escrow increase so now I was UNDER-paying my mortgage and this went on for months without my knowledge. 

I only knew something was wrong when my credit score plummeted from XXXX to XXXX because I was reported as delinquent. 

The minute I understood what happened, I express-paid the balance for the tax increase of {$2600.00} and I increased my mortgage payments as well. 

I would greatly appreciate the credit bureaus showing I am paid up and on time. 

Thank you. 

XXXX XXXX Cell : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO TRANSUNION, XXXX   AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.

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 2018-05-21 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: FL

Complaint narrative:
Account resolution service, XXXX XXXX XXXX XXXX  are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX  and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.

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 2018-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account resolution service, XXXX XXXX XXXX XXXX are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
BETWEEN XX/XX/XXXX I HAVE REACHED OUT TO XXXX, EQUIFAX AND XXXX  TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
BETWEEN XX/XX/2018-CURRENT I HAVE REACHED OUT TO XXXX, XXXX   AND EXPERIAN TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH EXPERIAN DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I initiated contact w JP Morgan Chase asking to cancel my card in order to reverse the {$95.00} annual fee I saw was charged to my account. When I called I was told I was over my cancellation date ( by about 2 weeks from what I could gather ) and JP Morgan Chase refused to refund my {$95.00} fee.

I then contacted the JP Morgan Chase executive office and once again my request to get my annual fee refunded was denied on the basis that my request was beyond 30 days. 
The terms for being able to cancel the card and get the annual fee refunded were not clear to me, the consumer. I do not know where these terms exist ( within pages of fine print perhaps when the card is initiated? ) Regardless, the consumer should be reminded of these terms regarding the refunding of this charge with each yearly subsequent charge. I would also argue that 30 days is not enough time as many consumers are extremely busy and not aware of charges on their account within that time period. 
The banks have consumers in an unfair situation by limiting this cancellation to 30 days as it often takes much time to transfer automatic payments being made on the account to another account, and no one wants to have a denied charge. When setting up automatic payments, every bank and credit card admits it 'may take up to 2 billing cycles to set-up '' yet we the consumer are not given the same courtesy of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Friday, XX/XX/XXXX I submitted an online application to Capital One Auto Finance to refinance my existing auto loan. I completed the pre-approval process and submited the loan. I didn't get an immediate response, but did so within 15 minutes stating that I was pre-qualified. I was then led to another part of their website where I had to select one of two offers, which I did, then sign the credit application which they stated would cause a hard pull on my credit. I agree to their terms and the full application process initiated. After that, I received an " Approved '' application. The approved application indicated the terms I selected. The approval was only conditioned upon Capital One receiving my proff of income, which I did submit and they ackowledged reciept. When I called Capital One they also said they had to rescind the offer because of an issue on my credit regarding a Bankruptcy that was " Dismissed '' as opposed to being " Discharged ''. It was dismissed XX/XX/XXXX. ( No creditors were listed and it was done to stop foreclosure on a jointly owned property ). There was no indication on the approval application that there was still further review. I belive Capital One should honor the refinance. The decision to deny my application after approval is abitrary. We have an offer an considertion, and we both approved. I called their offies however their explanation were evasive and didn't explan where I should have understoof that their approval was not an offical approval contingent upon something other than them receiving my proof of income. There is nothin stated in the contract that there would be further review. I believe we have a contract and Capital One should abide by the terms. If I agreed to the terms and not lived up to my end, they have the right of possession and other remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: TX

Complaint narrative:
Around the beginning of XX/XX/XXXX, I was contacted by Student Advisors who told me that they provided " student debt services '' and could get student loan forgiveness through them at a certain fee. Being deceived, I signed an online " contract '' w/ them to start using their services. Their " financer '', XXXX XXXX XXXX has since w/drawn {$130.00} twice, once in XX/XX/XXXX and once in XX/XX/XXXXwith a third w/draw scheduled to be w/drawn from my credit card on XX/XX/XXXX. I have spoken to a XXXX XXXX, an XXXX XXXX, an XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and a XXXX. All of them told me that the work directly w/ the Department of Education to get student loan forgiveness, and they were very deceiving and convincing. Seeking relief from student debt, I had already been contacted randomly inXX/XX/XXXX, by another " company '' that I forgot about, Student Advocates whose " financer '' is Equitable Acceptance. I have been making payments of {$39.00} ( sometimes a little more or less ) plus interest monthly since the above mentioned date. Being XXXX, I have sent both these companies copies of my tax returns, paystubs, as well as sharing private, legal information such as my Federal Student Aid ID w/ them after being deceived into doing so. XXXX XXXX XXXX claimed that they work directly with The U.S. Department of Education. Equitable Acceptance claimed that they work with my student loan servicer, XXXX. After speaking to XXXX, The Department of Education, and Federal Student Aid, FSA, they told me that they don't work with third part entities and that neither one of these companies have been in touch with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX I filed a dispute of inaccurate information into four different reports on my credit, accounts names and amounts were : XXXX XXXX {$750.00} XXXX XXXX {$610.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$4800.00} I provided letters from each company and account pay statements showing that each item was paid off and should be closed and reported as such. My original close out date of my dispute was set for XX/XX/XXXX. Transunion extended the date first to XX/XX/XXXX, saying they did not receive a response from the creditor. I called in again on XX/XX/XXXX to check the status to find that Transunion has again extended the date of the close of the dispute to XX/XX/XXXX, without notifying me, due to the creditor not being responsive. 

I asked the agent I spoke with how this is fair or consistent with the requirements of credit reporting bureaus and whether this would in fact close or again be extended. I was given no answer and told that " this is a part of the process '' and that there was nothing they could do. 

I explained to the representative that this is credit abuse and fraud at this point, due to the accounts being in a paid status in excess of 30 days. This complaint against XXXX XXXX. demonstrates that they are abusing consumers and neglecting their responsibilities in fairly and accurately reporting correct information in a timely and just manner,

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 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.

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