vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Dear Sir or Madam, Last XXXX I applied the XXXX  card from bank of America. According to the terms and conditions, I can be qualified to get XXXX XXXX bonus miles and {$100.00} statement credits plus annual companion fare after making purchases of {$1000.00} or more within the first 90 days of opening your account. 

I did make the purchase in 90 days and noticed I didn't receive the bonus last XX/XX/XXXX. I called BOA and the associate said I didn't match the qualification because I only spent {$930.00} cause the annual fee {$75.00} didn't count the purchase of {$1000.00}. However, the associate even checked the terms and conditions and didn't find any statement about annual fee isn't a purchase. The associate said I should be qualified to get bonus so he helped me to file higher level in BOA to get my bonus back. 

On XX/XX/XXXX I got a mail and it said I didn't meet the requirement to get the bonus because I didn't spend at least {$1000.00}. I called BOA again for the details but they just said its final decision and wont be changed and no one can answer why annual fee isn't a purchase that I paid for the service of BOA. 
They even suggested me to reapply the same credit card and pay {$75.00} annual fee again then spend {$1000.00} in 90 days so I will get bonus. I am so disappointed that BOA used tricky ways to get more profits for their credit card business.

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 2018-02-01 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: MD

Complaint narrative:
I was just notified by XXXX XXXX  that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with XXXX over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for XXXX  to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Account : BANK OF AMERICA - Account # : XXXX XXXX  Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX XXXX : XXXX DOB : 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 2018-02-01 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: OH

Complaint narrative:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

This account was removed from my report, and then illegally reinserted to my transunion account. In accordance with FCRA I was supposed to recieve a notice within 5 days that this account will be added back to my report. I believe as an consumer this violates my rights as I have once proved I have no knowledge of this account for the amount of {$570.00}.

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 explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I received a call from Penn Credit, a debt collector, in early XX/XX/XXXX saying I had an outstanding balance from the XXXX XXXX XXXX XXXX XXXX from a home I previously owned. I asked them to send me the bill, which they did mail to me. I then called them to explain that the bill is not my bill as the utilities were not in my name at the time of outstanding balance ( XX/XX/XXXX ). I explained that I rented that home to tenants in XX/XX/XXXX and they purchased the home from me in XX/XX/XXXX.  The water bill had not been in my name since XX/XX/XXXX. They were extremely rude and said that I was refusing to pay a debt. When I told them I would take it up with the XXXX XXXX XXXX XXXX XXXX, the person then hung up on me. This whole experience seems to be deceptive and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have had this account open for several years. In late XXXX of 2017, I changed my checking account and updated the new information in XXXX 's system. I believe the exact date was around XX/XX/ that I changed my payment method. 

It was around this time that XXXX changed their servicing system from one platform to another ( and in that time frame also raised their late fee from {$27.00} to {$37.00}, incidentally XXXX. 

My payment which had always been deducted automatically was not processed on XX/XX/XXXX. After XX/XX/, I received a statement showing that my balance was past due, and that I had incurred a large past due charge. I immediately contacted XXXX by phone, and they instructed me to update my payment information over the phone, which I did. 

After XX/XX/, I again received a statement this time showing a payment past due in the amount of {$120.00}, which included the past prior XXXX months, plus late fees and accrued interest. I again immediately contact XXXX, asked to speak to a supervisor, and again updated my payment information. I was assured that my payment would be processed onXX/XX/XXXX and that my account would be caught up. On XX/XX/XXXXXXXX attempted to debit my prior, out of date, checking account, which at this point had been closed for over 2 months. This information should not have been in their system at all. I received a letter detailing this event datedXX/XX/XXXX, that I received aroundXX/XX/XXXX. I again contact XXXX, explained the situation, and a rep mentioned that " the old system must have tried to process my payment '', or something along those lines. 

At this point, aroundXX/XX/XXXX, frustrated, I once again called, was told that my payment was already setup for XX/XX/, correctly and would be debited. After XX/XX/XXXXI checked my account online and found that the payment was not debited. 

At this point I manually made a payment myself via my bank for {$120.00}, which posted to my account on XX/XX/. My regularly scheduled payment, which should have been processed onXX/XX/XXXX, once again did not happen. OnXX/XX/XXXXI once again made a payment online for {$120.00}, bringing my account current. 

Over the course of these months, XXXX repeatedly failed to communicate, and incorrectly attempted to debit either my old checking account, or simply didn't make any attempt to debit any account for the payment that was previously arranged.

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 2018-02-01 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: EQUIFAX, INC.
State: OK

Complaint narrative:
Over a month ago I attempted to obtain my free annual credit report from Equifax online at " XXXX '' as I've done several years in the past. I've never encountered any problems before with Equifax, XXXX or XXXX XXXX. However, this time Equifax refused to provide my online report. I was then instructed to answer another battery of questions over the phone, which I did. I was told my report would be mailed to me. It hasn't, and it's been over a month. 
I attempted to contact Equifax by phone using the only two numbers listed on my previous 2016 Equifax report. Both numbers resulted in a recording requesting that I press # 1 for this and # 2 for that. Nothing that I could do would connect me with a human being. 
Why is it that Equifax freely provides hackers all of my personal financial information yet prevents me from procuring that same record? I would like a copy of my free annual credit report from Equifax. Can you please assist me? 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: PA

Complaint narrative:
My husband is XXXX XXXX XXXX Veteran. We live in the state of Pennsylvania. We are Tax Exempt from paying Property Taxes since XX/XX/XXXX. We did a refinance several years ago with a Mortgage Company and then was bought out from another Mortgage Company. We have never had any problem with the Property Taxes being exempt for us since XX/XX/XXXX. We have been trying to get this solved with them since XX/XX/XXXX. We have forwarded them letters from the County Office of XXXX Assessment and Taxes. We have forwarded them letters from the VA XXXX Veteran Real Property Tax Exemption Certification. They have increased our mortgage payment from {$1600.00} to {$2000.00} which includes the property taxes to used from their Annual Escrow Account Statement from XX/XX/XXXX. We have been in contact with this Mortgage Company every month since XX/XX/XXXX. It is now XX/XX/XXXX and has not yet been solved. We pay our mortgage payment always on time and never late. I need help immediately regarding this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with Equifax over the past few months to remove unauthorized Inquiries they have failed to fully validated that I initiated. It has been well over the 30 days given for Equifax to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Equifax including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries that should be Removed / Deleted from my Equifax credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX/XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX Equifax Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates placed a negative Charge-Off on my account before XX/XX/XXXX. They were not licensed to collect in the State of Florida until XX/XX/XXXX. I have attached my credit report dated XX/XX/XXXX to this complaint. 

Portfolio Recovery Associates has been illegally reporting delinquent information to the credit bureaus, I am asking that this information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage Response on complaint # XXXX is that wells fargo home mortgage does not answer the question at hand with the document that has been stated to make the instrument legally binding. Wells fargo home mortgage avoids the issue of forged document on there part. were not talking about no Foreclosed inXX/XX/XXXX. Stop playing games and making up false things that's not address. Were talking about the California All purpose certificate of acknowledgement is not my signature was this ever presented to me at closing or any time. Wells fargo has yet to provide all the closing documents back in XX/XX/XXXX. I have my originals in the package that was giving to me and there are over 20 lines and documents not sign. Wells fargo home mortgage claims there was only one signature line for a signer as on the California all purpose certificate of acknowledgement. They yet to prove that's my signature on the California all purpose certificate of acknowledgement as I appeared personally and sign. lets stop playing games as if I sign that document and provide proof to the document is my signature for the said instrument. Wells fargo claims they been trying to call stop playing games provide proof as well. 
Wells fargo needs to provide the documents I sign and have back in XX/XX/XXXX and explain why there are so many signatures pages left blank not some documents they forged after the facts. I need the original closing documents. Not every time trying to send some documents in XX/XX/XXXX that's not what were talking about. I still have mail sent US REG mail to wells fargo that's was not answered back in XX/XX/XXXX to this matter. Wells fargo never wants to provide the documents ask its always some game with documents not ask for. Wells fargo stated I sign so prove its my signature and provide documented proof from an document examiner that its my signature and stop sending excuses and documents that's not what the issue is about. there has yet to be a real truthful answer or proof by wells fargo. stick ton XX/XX/XXXXdocuments and stop playing games and lies of calling what are you calling for its simple provide only the documents you gave me in XX/XX/XXXX I have all mine s only the closing documents nothing else.

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 2018-02-01 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: AES/PHEAA
State: MA

Complaint narrative:
I had a XXXX grant which I converted to loans last year. At that time, I was told by a representative at XXXX XXXX that these new loans would be rolled into municipal existing loans and added to my monthly payments. I just noticed yesterday ( XX/XX/2018 ) they were delinquent ( 11 missed payments ) with no emails or notifications from XXXX about any of the missed payments. Again, I was told they would be added to my current loans, so I thought they were being taken out all along. I want this taken off of my credit report as this was not my fault. I paid off the outstanding balance yesterday ( {$1100.00} on XX/XX/2018 ). I have paid every single other loan on time. I am a great customer who clearly trusted the word of someone at a XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
The home at XXXX XXXX XXXX XXXX, XXXX XXXX, Arizona XXXX was purchased with a loan though XXXX XXXX, ( no Doc. / Adjustable ), with the payments made to XXXX XXXX   XXXX. There was never a late payment for over 7 years. My family developed financial issues due to medical difficulties and I ended up defaulting. I advised XXXX representatives that I was interested in finding a solution. For many months I worked with their representatives providing many, many documents, bank records, Veterans info etc. Finally, following months of discussions I was told that the foreclosure was cancelled and that I would receive a new loan opportunity. That was on a Monday. the Tuesday, following that Monday 's discussion, I answered the doorbell to be met by a sheriff telling me that there had been a Trustee 's Sale that morning and that I had 48hrs. to  vacate. I contacted XXXX   and they stated that there had been a mistake and that they would get back to me. four days later I called the XXXX representative I had been speaking to and she advised me that there was nothing that could be done. I subsequently moved. The loss of the home caused a fracture of my marriage and a significant loss of potential equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I was contacted 6 times in one day from Wakefield and Assiciates and every time I answered they hung up on, which goes against the rule that they must identify who they are. 
When I finally called back and informed them of this they claimed that they only called one time, yet on my call log it shows 6 incoming calls from the same phone number. 
When I told the lady that this was harassment and illegal she transferred me to her supervisor. 
I told her supervisor how this collection was closed by the previous collection agency he ignored that and then proceeded to go on about how they never called and such.

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 2018-02-01 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: PA

Complaint narrative:
Greetings, Greetings, I have initiated disputes with Experian and XXXX XXXX to remove incorrectly reported late payments for XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my credit reports. Experian and XXXX XXXX will need to provide validated proof to be authorized to report the correct information per the Fair Credit Reporting Act. I have provided all requested documents to Experian and XXXX XXXX to get this issue resolved in which they requested. I have also reached out to the creditor but they have also fail to fully validate the account was late during the months being reported on my credit reports. The account is currently in good status with a defferd till XX/XX/XXXX. Below are the reported late months that should be updated on my Experian and XXXX XXXX credit report.. Should you need any additional information please let me know. 

Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXXXXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX SSN : XXXX DOB : 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