vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-06 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: SC

Complaint narrative:
XXXX XXXX XXXX updated my credit file in XXXX of XXXX to reflect their reporting to show the account current with them until XX/XX/XXXX and then changed it to charged off status at that date. This is multiple violations ; re-aging, false reporting, and malicious injury. 

The actual date of closing is reported correctly to XXXX on XX/XX/XXXX, not XX/XX/XXXX as reported to Experian. All of Experians phone numbers do not go to a live person and through their online system they have refused to address my concerns. Including this debt being discharged through a XXXX which pursuant to IRS bulletin XXXX should have already showed a zero balance. Based on the fictitiously reported information, and inactivity of the CRA to address or correct this for months I demand immediate removal of this account from my Experian Credit 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 2018-08-06 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I have made a payment to CITI Advantage on my husband credit card via the XXXX XXXX Online payment system. The {$2000.00} was to be delivered to CITI on XX/XX/2018. I was told that CITI can not find the payment. After numerous phone calls including two conference calls initiated by XXXX XXXX to CITI and myself but no results. I was to get a conditional credit on the account until the issue was resolved but that did not happened. The answer is always call back in a week. Today I was told to check the XX/XX/2018 statement. I am getting the run-around with this issue. They do not hesitate to charge interest and late fees since that is in their program but the consumer has not options.

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 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Have a 30 day past due amount which is restricting my credit. sent in a debut was suppose to resolve last month but still is active. 

Wells Fargo XX/XX/2015 scheduled 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 non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I contacted them several times asking for the transactions that were charged and to what stores. I have asked to see the original documents that I allegedly signed and they refused. MCM Midland can not give me them as they do not exist as I never did business with this company ever. I do not owe them any money as I never signed for a credit card with them and they need to remove this from all credit reporting agencies as they supplied fraudulent information to them saying I have an account with them when I do not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I decided to take advantage of a balance transfer promotion XXXX  XXXX  was offering for their XXXX Master  Card customers and transferred {$3000.00} to XXXX from XXXX XXXX ( XXXX XXXX  Master Card ). XX/XX/2018 is the day it posted to XXXX. 

I called one week after the transfer to see when XXXX would receive the payment. A XXXX   representative told me it could take up to 30 days for the check to be mailed, received and posted to my XXXX account. 

30 days passed and XXXX still had not received the check. This was verified through a 3-way phone conversation that I had with a representative from both credit card companies. I now had a balance of {$3000.00} on two different credit cards and began to incur interest charges on the XXXX account so I filed a dispute at the end of XX/XX/2018. 

On XX/XX/2018, I received a letter from XXXX stating their records show the amount of {$3000.00} was transferred and paid to XXXX on XX/XX/2018 and included a copy of the check. I contacted XXXX to see if they received the check and they still had no record of it. I conducted another 3-way phone call with the two companies, which unconvered that the check mailed to the wrong address ( PO Box , city and state were all incorrect ), it was missing numbers from my account number and it didn't appear to be endorsed. Furthermore, the check was dated XX/XX/2018 and it said " void after 30 days ''. Therefore, even if they did receive the check in XXXX they would not be able to cash it. 

A second dispute was filed with XXXX  on XX/XX/2018. I called on XX/XX/XXXX for an update only to learn that there was no record of me filing the 2nd dispute. So, I filed it again on the XXXX. It was at this time that I ended up paying XXXX {$3000.00} so I would stop incurring interest charges. They had already waived one interest charge for the troubles I was having. 

I emailed XXXX on XX/XX/XXXX through their online message center asking for an update on the 2nd dispute. The response was that they were sending me a letter of their findings, with a copy of the check sent to XXXX, and it could take 7-10 days. I was also told that I would not be responsible for paying the amount in question until the dispute was resolved. 

I received the letter on XX/XX/2018. The second letter said the same as the first letter and included the same image of the check dated XX/XX/XXXX. NOTHING had changed. A new check was not sent to the right address and thus the cycle continues. 

I received a message from XXXX  on XX/XX/XXXX ( TODAY ) saying that I would indeed be responsible for paying the minimum amount due so as to not receive a late charge. The due date is today so I called, made the minimum payment and then cancelled the card. Now I need your help investigating the issue to get to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 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: Seterus, Inc.
State: FL

Complaint narrative:
I called seterus to set up a repayment plan for my mortgage. When I called I wasnt even past due. I specifically asked them if this will affect my credit they said no. Apparently they set up a form or repayment that I did t agree too. 
I tried for them to listen to my conversation with the representatives I spoke to. They keep mailing me the agreement. They reported late payments on my credit, my credit score went down over 50 points. This is fraud, if I knew it will affect my credit I will have made a completely different decision.

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 2018-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I received a message on XX/XX/2018 from my Aunt ( who has a private phone number ) and she said someone who didn't identify themselves called her looking for me and when she said who is calling they said they were calling from " XXXX '' and left a phone number for me to call them back. The number being XXXX. I recognized this number as it had called me on Tuesday, XX/XX/XXXX at XXXX XXXX. They did not leave a message. I looked up this phone number and it belongs to a company called Convergent. It is not a company that is listed on my credit report nor do I know what this is about. I did collections for 17 years and I believe they have violated the FDCPA as it states a collection agency can not call a relative if they have your phone number which they clearly do. And they keep calling my number. Also when they called my Aunt they did not identify themselves.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened an account with BMO Harris on XX/XX/2017. I opened the account online, and used a code " XXXX '' to earn a {$200.00} account opening bonus. The account was opened with seemingly no issues, and even issued me my account number. I did all the activities I was supposed to do to qualify for the account bonus. I called a few months later to find out why i have not yet gotten the bonus, and a rep told me to wait up to 6 months. I did, and called back. This time, I was told I don't qualify, because I'm not in their retail footprint. 

If I'm not qualified, then why did the system accept my bonus code, and issue me an account number? Where on their website did the company state that this offer and code is for consumers within their retail footprint, and how is their retail footprint defined? If I put in a code that I don't qualify for a deal for on XXXX or any other website, the code rejects - in this case, my zip code should have alerted BMO, and the code should not have been accepted, nor the account opened under the pretense that I will be getting a bonus. The fact remains that the code went through, and the account was opened. This is a systemic failure on the part of BMO Harris ' IT department, and is a bait and switch tactic to get people to open accounts they don't qualify for. 

I am demanding that BMO Harris honor their offer and credit my account the {$200.00} bonus. I have called numerous times, and the various individuals I speak to, most recently a XXXX in the online banking call center, refuse to escalate this matter, and furthermore refusing to provide me the number to the executive office to formally complain to someone that actually cares. 

I intend to further file a formal complaint with the CFPB for abusive advertising practices, and non-disclosure of terms when opening an account online for promos.

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 2018-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
on XX/XX/XXXX a fraudulent check was deposited into my account on XX/XX/XXXX that check was rejected by the bank and without my knowledge them on XX/XX/XXXX bank of America closed my account for suspected fraudulent activity I have tried numerous times to resolve this with bank of America but no luck on XX/XX/XXXX i got a call from bank of America representative XXXX XXXX ( XXXX ) ext ( XXXX ) I told her about the incident and she told me it would be investigated I then got a call back from her on XX/XX/XXXX stating that it was investigated and the matter stands as fraud ... i am writing this again as a fraud complain on who ever deposited that check and bank of America for not properly looking into this matter I can not open no account cause they put my name in XXXX   for a matter I have no knowledge about

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 2018-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
On XX/XX/18 I disputed an account via online with XXXX asking the company to delete as I have no knowledge of the account. XX/XX/18 the results came back updated. XX/XX/18 I sent certified mail a request to verify or delete the account. ( I have uploaded an example if the letter ). The company again only updated the account without verification ( s ). I sent the same request to all three bureaus one of which ( XXXX  ) deleted on XX/XX/18 meeting FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XX/XX/XXXX I sold my home after 47 years, Had the XXXX card since XXXX. 
I drove and traveled around us for 3 months using my brothers address in SC. Got locked out of my card constantly for the address which was hard as I was driving down to the south. Short version my cell broke, got a new one and then it began. They would not accept It was new. would not help, e and locked up the card. I needed to verrify from the old cell, Talked to fraud dept many many times, they said the ladt one its fixed promise you. 
I prepayed on XX/XX/XXXX dollars cause I was locked out on line, Tried to use card XX/XX/XXXX by my new home in XXXX, wa. emabassed cause I was locked stil. would not give me gas so I used my visa. Not my XXXX gas card. He chaged me XXXX on my card but I did not get it with the card. 
I jad it on my visa. I just gots tmt called. again they wont accept its me because they dont have this cell. I gave it to them but not good enough nor do they record it. I was on my old home phone that they have the number. 
He sent me a code I gave, it back but not good enough becauee the phone is through the internet. I have a nalance owed of XXXX since I had paid ahead XXXX dollars. I will have to pay this to save my credit but I did not get the gas my account was locked. These people are not practising good business practices, I told them to close my account and he said pay the bill. I told them before to close the account and he at the fraud division isnce no no I fixed the problem. Here I am payimg for something I did not buy, The XXXX gentleman at the counter thought it was funny. He must have put the gas in his vehicle. what time was it pumped?

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 2018-08-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit score in XX/XX/2018 through Experian.com agency, and never signed up for any monthly membership services but they keep charging my credit card monthly, despite my attempts to cancel it. I call my bank every month just to make sure I stop billing from them, but seems somehow they keep charging me. So upset and helpless. I was unaware there was monthly reoccurring charge, and they billed automatically.

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 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
I understand that I can not file a second complaint about the same problem, but I was told to contact XXXX XXXX to explain the two documents that were filed one in XX/XX/2001 when I added XXXX XXXX as a Joint Tenant. The Recorders Office of XXXX XXXX XXXX County claimed that XXXX XXXX would have a record showing I received {$75000.00} from XXXX XXXX when he became a Joint Tenant. Escrow No. XXXX XXXX Order No. XXXX. Also as I stated before my property XXXX XXXX XXXX XXXX. in XXXX, CA. was refinanced for {$170000.00}. That Deed was for the refinance in XX/XX/2001 to purchase a second property. The XXXX Recorders Office claims thats the amount I was paid and that XXXX XXXX would have a record of that. This was not a gift, nowhere does any document state that I sold my property. I was lead to believe that I was removing my name at the request of the loan company. I fully understand that XXXX XXXX is not responsible for this fraudulant act against me but does XXXX XXXX have a record that I received the amount of money that is claimed by the Recorders Office. Please help me, my partner XXXX XXXX passed away with out a will and the down payment for the second property came from the refinancing of my home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company
State: IL

Complaint narrative:
I applied for a new mortgage with JG Wentworth on XX/XX/18. 
XXXX XXXX NMLS # XXXX My closing date was supposed to be XX/XX/18 more than 60 days from the origination date. 
The company used the wrong loan type ( refi vs. new ) to gather information about title processing fees which put my loan outside of the acceptable range so my final loan approval which has been in process for many weeks has been delayed by an additional 3 days. 
I am selling a property as well as purchasing so coordinating services, utilities, movers, walk through, etc must all be changed now. 
My moving company is charging me {$500.00} per day to hold my belongings an additional two nights. 
I have no where to live for two days. 
I have to reschedule multiple services and several people who were coming to help must also change their plans. 
I am fully aware that things can go wrong when mortgage originators are involved but it has been established that JG Wentworth caused this problem because they mostly handle re-fis not original mortgages. They didnt disclose that to me when they sought my business. 
As this unfolded, XXXX boss XXXX called me and chastised me for my attorney speaking harshly to XXXX. He told me he has call recordings of the conversation. How I am responsible for something my attorney said is beyond me. 
The final result is that XXXX agreed to eat the {$300.00} mistake that XXXX made but that doesnt remedy the additional {$1000.00} that I will have to pay for the movers to hold my belongings for two more days nor the extreme complications this causes multiple parties. 
XXXX tried to pressure me into using their title company because he said the one the seller chose was too expensive. I refused to do that. That alone seems unethical if not illegal. 
They also tried to increase the mortgage rate by a quarter percent due to their error but my attorney was able to stop that from happening once they admitted it was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I never requested nor approved an extended fraud alert to be on my reports and all 3 have it. 
I want it removed Ive requested over 3 times for the bureaus to remove and they have not.

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 2018-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
Monday XX/XX/XXXX I received a phone call from a person at Continental Credit Control informing me she was a collection agency attempting to collect a debt on behalf of XXXX XXXX  from XX/XX/XXXX. I informed her we had not ignored any bills and pay everything immediately after we receive them so there can't be a past due bill. I requested she send me an itemized statement so I can see what she's talking about. She claimed notices had gone out to My address with no response. I told her no way, nothing has changed for me, and I have not received anything from them. When I arrived home in the mail was a notice from Continental Collection Agency in the amount of {$160.00}. There was a ten percent interest charge included in the total of {$35.00}. I immediately called my insurance company to see if they paid the claim back in XXXX thinking maybe I misplaced the EOB and never received a bill. My insurance, XXXX has never been billed for the service either. They even checked to see if the claim was sent and rejected it for some reason and they never sent it again. There is no record of this service with my insurance at all. More perplexing is how XXXX XXXX/XXXX came up with a charge for the service since they are an in network provider with XXXX and they would bill me the difference of the contracted price based on my plan after XXXX paid. Even the XXXX claims specialist said it's impossible to speculate exactly what this amount would be without an actual claim. When I called Continental Credit Control to explain they need to bill my insurance and then bill me the difference of the contracted price, I was informed they don't deal with insurance companies. I explained I understand this but clearly XXXX XXXX has made a mistake. I was told to write an appeal and send it to them and they'll consider it. Otherwise it will go on my credit. 

This is wrong. I've spent the entire afternoon on this. 

Thank You

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