vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake, when they said they did not know why but it looked like my XXXX payment had not gone through. I asked why I was not notified and they said the system doesnt notify because they assume you have the funds. I still have this account and had plenty of money in the account at the time. Capital one could not give me a reason why the payment did not go through. I called XXXX XXXX to see what happened on my banks end. They said it was capital ones fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I review it the company reply of my complain CFPB Case No : XXXX, in it the bank said the " XXXX XXXX PMI removal requirements were amended and effective XX/XX/2018 '' however I do not recall been notified. In my case, if someone would have pointed out, I would have eliminated my PMI, now there was no longer require a new appraisal, I would have probably done verbally. 

Actually in my last Escrow Account Disclosure Statement does not indicate anything at all about the changes in the rules about the PMI, it does not even reflect the status of the same at the time, to give me an idea that I was overcharged. In my case, I reached the LTV 78 % at the moment to apply the payment done on XX/XX/2018, this means I was overcharged by at least 8 months. 

I happen to I noticed was when I got online into my mortgage and looked into any single option available and I read about it, was when I picked the phone and called and asked, otherwise more time would have passed and more unfair charges would have been applied. Should at least the bank send me a note about the benefit I was missing?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to US Bank to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing US Bank to pull my credit on XX/XX/XXXX, if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately. 

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX XXXX XXXX as of XX/XX/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 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Every month I look at all my credit cards to make sure, everything is on time and running smooth. XX/XX/XXXX I looked at my capital one card statement and saw that my auto payment had gone through on XX/XX/XXXX. XX/XX/XXXX I went to setup new auto pay on a new bank account I had just opened when I saw my account was past due a payment and I had incurred a late fee. I immediately called capital one customer service to let them know I needed to update my bank account autopay and if they could waive the late fee. He said of course for it was my first time. ( Never did he mention XXXX payment had been returned and that was past due. ) I looked up my fico store because our family is looking at purchasing a house. It said my score had taken a massive hit due to 30 day late payment. I immediately called capital one to see if there had been a mistake. They said they had not received payment. I immediately called my bank XXXX XXXX and they said something happened on capital ones end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Ocwen Loan Servicing illegally foreclosed on my home back in XXXX. They never legally had the right to collect anything from me. The original creditor on the contract clearly states goes by the name " XXXX '' They have never shown any evidence where they purchased the contract from XXXX. Now to this day XX/XX/XXXX I obtained a copy of my credit reports which shows too many inaccuracies reported by Ocwen Loan Servicing. I disputed this account with the credit bureaus and yet OCWEN LOAN SERVICING claims to have verified the information as COMPLETE and ACCURATE. Number 1. OCWEN Loan Servicing does not have the right to report any information on me to the credit bureaus, number 2 the information and accounting they are reporting is inaccurate. The payment histories between the credit bureaus do not even match each other.The term set with the original creditor is inccurate. As of now I cant get my home back as its been sold and I have  a XXXX balance, but I want Ocwen Loan Servicing to remove and delete any and all entries regarding this account to from XXXX, XXXX, and XXXX. As the reporting is not and has not been properly investigated by Ocwen Loan Servicing nor is it complete or accurate, yet they fraudulently verify this information with the credit bureaus when disputed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

DPT EDXXXX 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 2019-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: American Financial Network Inc.
State: TX

Complaint narrative:
On XX/XX/2019 lender company called " American Financial Network Inc '' given a quote with XXXX $ credit with 4 % interest rate. 

In the initial CD they removed the lender credit. When I asked about the lender credit they mentioned that i will get that lender credit added in the final CD and asked not to worry about it. 

Final CD handed over about 3 to 4 hours before the closing date ( XXXX XXXX ) and again they have not added the lender credit. 

I was getting some realtor credit also but asked them clearly use only the amount you can and remaining you do not need to use it. 

There were seller home HOA issues and closing got postponed by couple of weeks. So when i have asked about my lender credit to the lender they were saying we had to pay rate lock extension and you will not get more than few hundred and if we add the credit now closing will be delayed ... etc. So they literally blackmailed me and corned me to close it without lender credit which they promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
7 loan payoffs were mailed on XX/XX/XXXX to 4 separate institutions. Three to XXXX XXXX, 1 to XXXX, 1 to XXXX, and 2 to Lending Club. 5 of the 7 checks cleared by XX/XX/XXXX. As of today, XX/XX/XXXX, Lending Club has no record of these checks. the loan payoff amount was given for 14 days out. I am of the firm belief they are holding the checks for addional interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Today date, XX/XX/2019 I received a noted from LVNV Funding LLC. Stated that I contact this Company with in 30days, I called to make settlement agreement with them. As first we agreed upon {$720.00} make monthly payment in the amount of {$75.00} on third day of every mouth, I gave them my bank account number, then they backed out of the agreement they wanted the total of {$1.00} dollars that is the amount they said I owed, my credit limit is {$500.00}. I was willing to pay {$720.00} per their offered. Then they said they wanted the whole {$1200.00}. I have had tried for 7 times now, didnt come to solution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was XXXX XXXX. 

I just recieved a notice from the New York XXXXXXXX XXXX Department of XXXX XXXX ( received today XX/XX/XXXX ). It was time stamped by the XXXX on XX/XX/XXXX. 

The File no is # XXXX Attorney : Foster & Garbus XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Pacific Credit Services and/or their client/affiliate sent false information to all 3 major credit bureaus, the false information was then attached to my credit report saying I owe {$13000.00}, which caused negative remarks on my credit report which caused my credit score to lower tragiclly. I have never in no way been associated to Pacific Credit Services or their affiliates or do i owe any amount to Pacific Crediit Services or their affiliates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Card was opened in XX/XX/2019. Card would not work. Contacted Barclays and CSR informed me to fax a copy of my drivers license and social security card to verify account. Fax was sent XX/XX/XXXX. Waited and called back in early XXXX. CSR informed me that fax was ineligible and requested me to fax it again. Faxed copy on XX/XX/XXXX. Nothing changed. Contacted Barclays on XX/XX/XXXX and they said they hadn't received fax ( I have proof that fax was transmitted correctly ). Re-faxed documents on XX/XX/XXXX. Contacted Barclays on XX/XX/XXXX and CSR says that they still need a copy of the utility bill. This was a new request that had never been told to me before. CSR would not let me speak to a supervisor or escalate this. Now receiving a collections calls due to late payment. The card has a {$95.00} annual fee and a late payment charge of $ XXXX dollars but I can not access this account or pay anything due to the account being locked. I inquired about closing the account and the CSR told me I can not close this account until I pay the {$95.00} annual fee and the late fee EVEN THOUGH BARCLAYS IS  NOT LETTING ME ACTIVATE OR USE THE CARD THEY ARE CLAIMING I OWE THEM MONEY.

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 2019-07-24 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: Innovis
State: TX

Complaint narrative:
CBCINNOVIS has placed a credit inquiry on my credit file on XX/XX/XXXX that was never authorize by me. I have called them to inquire about this and they referred me to a company call Guaranteed Rate. I have contacted Guaranteed Rate via email at XXXX on XX/XX/XXXX at XXXX and spoke with a representative by the name of XXXX XXXX . In like manner, I contacted them via phone calls on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. During my phone calls I was transferred to account manager Mr. XXXX XXXX who told me that he submitted a correction for the reversal of the inquiry to be made since it was made by mistake and that he was going to submit the correction to the credit bureaus XXXX, XXXX, XXXX, and CBCINNOVIS but the credit bureaus day they never received anything from him. 

In addition, I have affected by this error greatly by my credit score dropping from XXXX to XXXX that day alone. Before this, I had been working really hard to keep my score increasing to XXXX by paying my bills on time and removing other accounts that never belonged to me which hasnt been an easy process. It is unfair and a violation of my consumer rights what CBCINNOVIS has done along with Guaranteed Rate. Please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Good Evening, My Name is XXXX XXXX, Today i received a hard inquiry on my credit report from " Flagship Cred '' as stated on my report i reached out to the institution phone number ( XXXX ) XXXX as stated on my report and i speak to a representative about my situation and she responds " this is not a credit or report credit business this is '' " XXXX '' company for bugs termites and what not, i had asked her why was i receiving any inquiry from their company on my credit report she then asked for my information gave it to her willingly asked about my home address and told me you don't come up at all in our system im not sure why are you even seeing that on your credit.. i need this to be removed i believe there's some sort of fraudulent going on with my credit report and i need this to stop and be disputed and taken out of my report

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 2019-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I used my debit card fine to purchase lunch today went back to work, finished my shift. Went to get a hair cut and my card was declined after I had received the hair cut. Called Fifth Third Bank and they were very secretive and asked me a ton of verifying questions. Not normal. I explained my car was declined and asked why cause I know I had at least {$900.00} in my checking account. They could not tell me anything. The team that suspended my account had gone home for the day and it was only XXXX EST. They couldn't do anything to help me or help me understand what was going on. I'm left here with no money and no reasoning to even give this business why I can't pay for the service they just gave me which is beyond embarrassing. You'd think a bank that you give your money to and trust would at least give you some sort of notice like a text, email or phone call before making a change like this. Also to maybe call me before making this change and work out whatever the issue is rather than turn it off and then go home for the day. This is beyond stressful as I can only hope this doesn't last more than a day otherwise how am I supposed to pay my bills. I have all my money in that checking account and my direct deposit goes there. My rent comes out next week. Lost all trust here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I had previously sent small amounts of funds to friends in XXXX this past 30 days. I think four times.

Then about 10 days ago, i went to Western Union to do another wire transfer. Cancelled and I was blocked. Came back a couple of days still could not send funds international.

Tried XXXX this past week with same results. Tried XXXX XXXX this week could not send. 
Said I was blocked. 
DO not know who or why i would be blocked internationally. Not their authority to block sending funds to assist friends in a third world country. 
Have filed complaint with Western Union XXXX XXXX XXXX on XX/XX/2019. Sent requested additional info they requested on XX/XX/2019. Maximum I send is about {$500.00} USD.  Don't do this often. 

Filed complaint with XXXX XXXX on XX/XX/2019 under similar circumstances. Name was blocked trying to find out who or what government agency. 

I need your assistance. Who oversees International Wire Transfers in the US government. Is it CFPB?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: TN

Complaint narrative:
I mailed a written dispute by certified mail for a 30 days late payment to Transunion on XX/XX/19. The receipt shows it was delivered on XX/XX/19. I called Transunion today and was told they received the written dispute along with the supporting documentation but because I did not call to open a dispute then they could not process it. The rep gave me 2 options. I could open a dispute or I could call XXXX XXXX XXXX and ask them to call Transunion to delete the item. I asked why I needed to call to open the dispute when I had already mailed a written dispute. The rep continued to repeat my 2 options. I decided to simply proceed with opening the dispute but also follow up with this complaint as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was Midland Funding. 

I just recieved a notice from the XXXX XXXX Sheriff 's Department of XXXX County ( received today XX/XX/XXXX ). It was time stamped by the Sheriff on XX/XX/XXXX. 

The File no is # XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Tel # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have received 5 calls today from Synchrony Bank, the credit card comply for Gap. XXXX and 3 calls from the number XXXX called me three times yesterday. They do not leave voicemails, just call again and again. This has got to stop!

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 2019-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: MN

Complaint narrative:
In XX/XX/XXXX Moneylion ( XXXX XX/XX/XXXX) ran a promotion where they advertised a bonus of upto {$590.00} or 17 % of first paystub direct deposit and maintaining direct deposit for 3 months. See details below : 1. Join MoneyLion 2.Set up a direct deposit of $ 500+ 3. Opt in to bonus 4 Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit I opened the account, opted into the promotion ( see attached SCREENSHOT ) and maintained direct deposit of {$3200.00} ( XX/XX/2019 ), {$3100.00} ( XXXX ), {$3100.00} ( XX/XX/XXXX ) and  {$3100.00} ( on XX/XX/XXXX ). 

Even after meeting the promotion terms, I did not get the promised bonus of {$550.00}

Company response to consumer: Closed with explanation