vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I made a payment to XXXX XXXX. XXXX  creditor, upon the completion of the payment I was not informed, that my limit was decreased, and the payment I made was set to arrive even though the week upon it being cleared. I called to check rather my payment was processed XX/XX/XXXX, and the associate told me it woukd clear the XXXX. I called theXX/XX/XXXX and they told me the credit limit was decreased and there was a problem with the payment. XXXX XXXX took the money out of my accout for the payment even though they were given a payment, but didn't inform the account holder of the update about the status of the account being payed-off, nor if the payment cleared. The payment was processed, I do not have the money in my account, the limit was decreased and I wasn't informed, and the payment was set to arrive even though I was not informed of the account status upon the completion of the payment cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I have just been reading about the HSBC Advance Checking Maintenance Fees ( that have been deemed illegal in some countries ) and checked my own checking account to discover they have been charging me $ XXXXmonth for years. I never use this account ( other than for transferring money between US and XXXX HSBC accounts ) and they have charged me an incredible amount of money. The search function on their website only goes back as far as 2016. But I think these charges go much further back. 

This account was mis-sold to me. I had no idea I would be charged a fee for going below a certain amount. If may have been buried in the Terms and Conditions but I was not properly made aware of that. 

I have other Checking Accounts with XXXX XXXX and XXXX, which do not charge me a fee. 

I feel very XXXX  for not checking my statements but I have also not been told before/during the opening of this account that I would need to pay a fee ( for literally no service ). 

These " packaged accounts '' have been deemed unethical in many other countries : XXXX XXXX XXXX I am happy to adhere to the policies of the account in the future ( now that I have been informed of them ) but this taking thousands of dollars from my account is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I am currently trying to purchase a house. I have been dealing with this issue for several years now. The original company was originally XXXX XXXX XXXX XXXX XXXX ( XXXX ) representing XXXX XXXX who bought a debt from XXXX XXXX. Since then the accounts of XXXX have been taken over by Cooling and Winter after XXXX went out of business. Cooling and Winter were the business partners of XXXX XXXX XXXX. 

In 2013 I received notice from the XXXX County, Ga court house to come and pick up a judgment against me. I had never received anything in the mail prior too or any phone calls from this company notifying me that I owed a debt, or any information on how to dispute the debt. Because there was a judgment against me, and because I had never been in any trouble, I assumed bc this company used the court system that it was a legitimate claim. I contacted XXXX and spoke with a representative to schedule payment arrangements. The representative never told me which company had the original account against me or what my options were at that time. I made several payments to this company, but my balance was not decreasing, so I asked the representative about it and she gave me something about having to pay interest on the account and told me that she would connect with me an attorney within there company to explain. She also said some other things, that was not adding up, so I begin researching the company on the internet, and realized that something was not right. After further research and review of my credit I realized that I have never had any accounts with XXXX or XXXX XXXX so I stop paying them. XXXX XXXX XXXX never reported any information to the XXXX County, GA courthouse of payments that I was making to them. 

There is currently a court judgment against me that I am disputing. I have also filed a dispute with Cooling and Winter. The representative at Cooling and Winter told me that in order for it to be settled, I would have to prove that I never owned the account. XXXX XXXX XXXX violated several consumer practices when filing and attempting to collect on this debt. I do not owe this debt and this is fraudulent.

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 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, Wells Fargo withdrew a total of {$1000.00} ( 2 transactions ) from my account as an intial deposit for a checking and savings account. 

The money was withdrawn from my account, but no one at Wells Fargo knows where the money went. I spoke with several reps and filed claim number XXXX. I was told that I will receive the funds back into my account in 24 to 48 hours. I am getting the run around. 
On XX/XX/XXXX, I asked to speak with a manager and was connected to XXXX Employee ID  XXXX. She stated that she was a manager and would not give her last name.

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 2018-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I was engaged and asked a XXXX XXXX associate to create a reeds account for me. The account was created successful. The following month I attempted to make a payment over the phone for the account. I was I formed reeds credit cards were no longer in use. It was apparent the accounts were sold. Contributing for two months to span payment cycles, I made payments to the address I was given. For payment, not one of the payments were recieved during the two months of XXXX and XX/XX/XXXX nor was my account located for online pay services to XXXX XXXX throuout the account term. This continued throughout the year and upon the latter of the years credit term, I contined to make payments. For four months I would say. I was given Addresses to make payments to and none of them were successful. I was never returned one of the payments I made to XXXX XXXX upon the completion of the payment considering they sold the account. I was charged late fees and double payments upon payments because of the bank and the confusion. Before the Eventual, arrangments were made, and the payments were never reimbursed or my account loacted. XXXX XXXX sent my account to a third pary and closed the account. This was the second time XXXX XXXX did this to me as a account holder. They sold my account and never reimbersed me for payment for mailed payments, that were sent and not recieved, and eventually took the money before the end of a payment cycle, while recharged late fees, finally closing the account, with no reimbersed payments, and intrest ending my account privlages and account status with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
I received an escrow account disclosure statement on XX/XX/XXXX, from Nationstar, now known as Mr. Cooper, in XXXX, Texas, that my escrow was short over a {$1000.00} ; then I received a mortgage loan statement on XX/XX/XXXX, that my escrow has a minus balance almost {$2000.00}. 

I do not understand how nor why there is a minus escrow balance. 

I am paying the mortgage amount Nationstar/Mr. Cooper states ( even when it goes up ), and, money is taken from my payment and placed into my escrow - why is there a escrow minus balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and trans showing inaccurate information sent police report and idtheft letter fcra violation

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 2018-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation

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 2018-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Company Name : XXXX A few days ago, I purchased a new line for my business, for the phone number listed. Almost immediately, I received a call. When I answered, it remained connected for about 6 seconds, then hung up.

Since then, I've received multiple phone calls each day. I finally connected with the company and they said they were trying to connect with another person.

My concern is that if they're doing this to my number, they're clearly violating consumer rights due to " Repeated or Continuous Calls ''.

They're using repeated calls in hopes that the person being harassed will call their number to provide info for a lead on collections. I'll post the call transcripts below. I can also provide screenshots or call my mobile company to collect records.

XX/XX/XXXX - XXXX - Incoming call from XXXX  ( Duration : 7 seconds ) XX/XX/XXXX - XXXX - Incoming call from XXXX ( Duration : 5 seconds )XX/XX/XXXX- XXXX  - Incoming call from XXXX ( Duration : 7 seconds ) XX/XX/XXXX - XXXX  - Incoming call from XXXX ( Duration : 6 seconds )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Date : XX/XX/2018 File # XXXX Transunion has showing on my credit report error of amounts showing as wrong amount owed as well as amount paid monthly. there is n o balance owed on this account and XXXX XXXX did not report the monthly amount correctly. No {$7500.00}, {$9000.00}, $ {$9400.00}, {$10000.00}, {$10000.00}, {$11000.00} {$11000.00}, Etc was ever owed nor was this the correct amount. There is no money owed this is not correct on original amount nor is the monthly payment paid to XXXX XXXX XXXX correct. 
XXXX XXXX XXXX owe me money back and I have retain an attorney for over payment.

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 2018-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Today XX/XX/XXXX I pulled my credit report. I seen Midwest Recovery systems reporting on behalf of a payday loan place called XXXX XXXX. States the account was open XX/XX/XXXX. However, I did not open any loan with this company. I did not receive any notification about this debt. When I called Midwest they advised they received the debt XX/XX/XXXX and aren't required to notify me of any debt. They did not mail a letter to the address they have or file, attempt to call nor email the email address on file. They put this on my credit without giving me the change to dispute the debt, nor provide knowledge that a debt is owed. I do not know who either company is and wish to have this resolve immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
I entered in to a Trial modification agreement with XXXX XXXX XXXX   XX/XX/XXXX the 3 monthly payments of {$1600.00} were paid in full. My mortgage servicer changed to XXXX XXXX during the modification trial period. I spoke with XXXX XXXX XXXX  several times in regards to the property foreclosure sale since the modification agreement was with them and ask for their assistance. They refused to assist me and referred me back to Rushmore. Rushmore will not and did not honor the modification agreement and now they have a property foreclosure sale set for my home XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX  on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.

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 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Two complaints regarding my mortgage servicer Amerihome Mortgage.

1 ) They have yet to release the overage of my escrow account balance despite the fact that I prepaid my 2nd installment of property taxes on XX/XX/XXXX. I have contacted them on XX/XX/XXXX,XX/XX/XXXX, andXX/XX/XXXX. I have requested this for nearly 30 days now.

2 ) They continue collecting {$7000.00} in property taxes despite being provided evidence that my annual property tax bill is {$6100.00}. My property has already been reassessed and supplemental tax bills have been paid.

Therefore, I believe both the balance they are holding, and the amount they are collecting to be in excess of what is allowable. I would like for this to be confirmed by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: FL

Complaint narrative:
I had an account, in collections, that was paid in full, but it is still showing as open on my Equifax report. I contacted the collection agency to verify and they told me it was a reporting matter on Equifax. I contacted Equifax to resolve the matter but I have not heard back from them as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
I acquired my family home when my mother XXXX XXXX in XX/XX/XXXX 2016. She left the house to me through a deed of trust that she established many years earlier. I have an existing mortgage. When I informed the mortgage company, Seterus Inc. that my mother passed away, and I informed them of the deed of trust, I was told that I could not become " owner '' of the property unless I moved into it as a primary residence. I was also forced into an assumption mortgage although the property was mine legally through inheritance. I moved into the property, making it my primary residence although I had a home with a mortgage, made payments through a " trial '' period for a property that was already legally mine, and suffered through all of the unnecessary processes that Seterus presented.

Recently I got a new job. It is a better paying job that will more easily allow me to pay two ( 2 ) mortgages- my own and the acquired mortgage. While waiting for my first paycheck, I fell behind on both payments. My own mortgage company understood and is working with me. Seterus is quite another matter.

I need intervention so that I can keep the property to do with it as I please. There is a considerable amount of equity at stake that I feel Seterus is aware of. I also believe this awareness motivates how they are handling the entire situation. I will not lose this house.

Resolution : Seterus should provide a real modification, not the in-house non-sense offered. The current principle and interest are only {$30000.00}. My payments are over {$900.00} per month. Outrageous.

Signed, Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CapitalOne credit card is refusing to close my account. I closed it by phone with them on XX/XX/XXXX. I did everything I was told to do in order to pay the account in full at that time. I continue to get billed. They continue to add more and more charges. They have blocked my efforts to contact them via email. I mailed them letters to stop.

After my last attempt to resolve this with the Co, I received a letter asking that I " call '' to solve my problem. However, knowing that a phone call got me nowhere in XX/XX/XXXX I wrote this letter in response : XX/XX/XXXX Capital One : This correspondence is In reply to your letter dated XX/XX/XXXX, that I received on XX/XX/XXXX I have enclosed a copy for your reference.

I decline to " call '', as you have requested. I am in process of pursuing complaints against you with consumer protection agencies which protect my rights.

I can see no reason that a phone call to you would make any difference at this point. All contact I am having with you is by email, hard copy mail and through these agencies.

This allows me to have a record of your practices No phone call would afford me any advantage.

If you do not wish to do the right thing as regards my original complaint. I fully expect no phone call between us would change that.

I demand you close this account. Retract any and all charges you have placed on the account after the closed dateXX/XX/XXXX, and honor the information I was given by your customer service representative on the phone on the above date, when I was given the balance to be paid in full at close of this account.

I am not letting this matter go. I will fight you on this until I get the resolution I deserve.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-31 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: Jacobs, Marsh LLC
State: TX

Complaint narrative:
A company name XXXX XXXX XXXX XXXX, claiming to be working on the behalf of Jacobs Marsh, LLC has been calling and leaving threatening messages to me and to my wife about credit card debt that I cannot verify is actually owned by this firm. The original debt was owned by XXXX but I have no idea who this firm is and if they are legitimately authorized to collect this debt. I asked them to provide a validation of debt and they refused.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Our loan was sold by Loancare to XXXX XXXX in XX/XX/2017. Loancare has continued to deduct payment by ACH from our checking account. Two of those payments were forwarded on to XXXX XXXX ( posted late ). Loancare is continuing to withdraw funds and are holding the funds. When contacted they said that they do not have the funds, and that they are not deducting and that we must have set up bill pay thru our bank ( which we do not have and copies from the bank reflect such ). I have called and e-mailed their payment dispute e-mail both mortgage companies and neither have responded. I have also contacted the bank to request that the funds be retracted and all future withdrawals prohibited, but the errors are persisting. 


IN ADDITION, Loancare has been not been posting previous payments in full. They are short by {$5.00} each month ( possibly since the loan opened ), and are not posting payments as of the first of every month, which enables them to collect additional interest. Payments are being deducted twice a month for mortgage payment due the following month. Why is it that they payment is coming out in the prior month, yet they do not post on the first, but post between the XXXX and XXXX of the month?

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