vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT on XX/XX/20 i submitted a dispute for the following account XXXX XXXX XXXX XXXX XXXX account number XXXX, on the first dispute of the account they verified this. so i performed my own investigation into this account, the company failed to respond to my request. so i sent a follow up letter to this company and the failed to respond to the non response letter. i sent the Credit Buerue " XXXX XXXX XXXX all of this information including a collection failed to validate, requesting deletion. i recieved nothing so i opened a dispute online and obtained a confirm number i have attached all of these files to this email. i was told i would recieve my results by XX/XX/20. i still have recieved nothing by the time of this letter. so i called the companys customer service department on XX/XX/20 at XXXX XXXX  PST time, the first individual told me that i needed to talk to the dispute department, so i was transferred, and then was oh hold for 33 mins. before i opened this complaint with the company. until the FCPDA, and FDCPA laws you as a individual have the right to dispute anything inaccuriate or incoorect on your credit file and if you dont recieve resualts or something remains on the report its a XXXX dollar fee per a vilation. everytime they cant verify. after that the first individual told me they couldnt be reached. All other Credit Bereus have removed this account after their investigation but experian refuses to remove this account.

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 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a credit due on my credit card balance due to an error in over payment of last month 's statement. This account has been closed since last year so I can not use the card to redeem the credit. I have contacted the issuer 3 weeks ago to no response.

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 2020-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I visited the XXXX dealership in XXXX, Maryland. I worked with a car salesman and found a XXXX XXXX XXXX that I wanted to get. The down payment was {$1800.00} and I advised the dealer and loan officer that I would not have the money until the first week of XXXX. Although papers were signed at that time, an agreement was made to hold the vehicle for 7 to 10 days. It was stipulated that I had to call in every few days to express my continued interest. On XX/XX/XXXX I paid {$1800.00} and left the dealership with my new car. My monthly payments, I later found out, should have been adjusted to the 2nd of each month. However, since it was not, I received a call a few weeks ago advising me that I owed a payment for XX/XX/XXXX. In good faith, I made the payment. Simultaneously I asked my bank to send me my records and discovered that I was current not behind. Despite letting Credit Acceptance know the above, I have been receiving calls to the point of harassment. On XX/XX/XXXX they called my number 20 times. Today I contacted XXXX and spoke to XXXX in the Loan Office and explained what is going on. I then let Credit Acceptance know that he would be providing the documentation needed to confirm that I am current. The calls still continue. It is XXXX XXXX  and I already received two calls. I need Credit Acceptance to stop calling and harassing me please. Your help is deeply appreciated. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a credit due on my credit card balance due to an error in over payment of last month 's statement. This account has been closed since last year so I can not use the card to redeem the credit. I have contacted the issuer 3 weeks ago to no response.

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 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: MI

Complaint narrative:
Loss Mitigation on a recorded line on Mon XX/XX/XXXX made a payment agreement with me and 8 hours later changed the terms. I am almost in foreclosure. 
I am filing this complaint because BSI is going to take my home an put me in foreclosure with the way my case is being handled I am almost 120 days delinquent. 

Through all of this, The Loss Mititgator handling my case initials XXXX  on a recorded line ( XX/XX/XXXX ) made an agreement with me for payment to get caught up on my loan. The next thing I know it was changed. I am sure you can listen to the recording whomever handles this case at BSI. In addition, I sent all of the documentation and proof showing loss contractual XXXX XXXX job. 

I have been ill since XX/XX/XXXX and on leave without pay now from my Full Time Employer. I have only been working XXXX  XXXX. I was promised a course that was cancelled due to low enrollment in XX/XX/XXXX. This would have given me an opportunity to catch up on my mortgage. At the end of XXXX early XXXX I was struck with XXXX. I was told to stay home and tough it out from my Physician on the phone. I have XXXX  issues and still recovering. My husband is in the same condition. 

I sent everything asked of me by BSI documenting my loss of income. On the recorded line it was specifically mentioned by XXXX  the terms, but when I asked her to document the agreement she did not. Later that night I got a lengthily 2 page loss mitigation document. This was not the agreement. I am TOO SICK to even fill this out and can barely XXXX. 

This institution is notorious for taking peoples houses. I am asking for the original agreement I made with this mitigator to be documented and acknowledged and work with me as she stated on the phone. 

In reading complaints about BSI on consumer affairs website you will see the same kinds of complaints about them. Something needs to be done about their unfair and unjust practices. 

In addition in reviewing all of my bills, I see that additional fees have been added with no explanation. Nor have I received credit for my payment I made in XXXX on the bill. 

PLEASE LISTEN TO THE RECORDING ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I opened an American Express ( " Amex '' ) Platinum personal charge card on XX/XX/XXXX with a welcome offer of XXXX Membership Rewards ( " MR '' ) points after a total of {$5000.00} eligible spending within the first 3 months and card opening. I have not received the MR bonus even after eight weeks of completing the spending requirement. Then I reached  to Amex via online chat for help and they started an investigation on the case. I was then informed that one charge on XX/XX/XXXX in the amount of {$3000.00} from a third-party rent payment service named " XXXX '' was considered by Amex as " ineligible '' because Amex believes it falls into the category of " person-to-person payments '', which is excluded from eligible spending as in the offer terms. However, this is a service I paid for my apartment 's rent, and is paid to a company ( neither XXXX nor the ultimate recipient of the payment is a " person '' ; they are both companies ). Amex can not arbitrarily interpret this charge as a " person-to-person payment '' and not honor the offer terms of XXXX Membership Rewards points. 

I am attaching the full offer terms ( pdf ) and my card activities from XX/XX/XXXX to XX/XX/XXXX ( XXXX  spreadsheet ) downloaded from Amex 's website to the case. In the activities spreadsheet, I added three columns ( I, J, and K ) to add additional information and comments, and to demonstrate that the spending exceeded the {$5000.00} threshold for the welcome offer. It is for CFPB and Amex 's reference purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust processed an ACH debit on our acct in error. The Suntrust representative confirmed our account name was not on the ACH transaction and connected me to account security to file a claim. Fast forward one day, Suntrust ( Truist ) has now closed two of our personal accounts and a business account. They gave no reason and said we don't have access to our funds for 15 days while the acct is under review. We have near perfect credit, never bounced a check and run a standard bank account. There should be no reason to close our accounts and hold our money. We have bills that are due and can't pay them now because we have no money. They also will not allow any debits or pending checks to be processed which means these pending payments will be returned. We are very concerned the returned checks will affect our credit as we have always paid on time. We are shocked at the way this is being handled especially during these difficult times. Any help would be greatly appreciated.

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 2020-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had a Kohls charge card since XX/XX/XXXX. They are reporting a late payment back in XXXX of XXXX. I recall a Kohls representative reaching out to me bc my payment was late. The reason the payment was late was the fact that I had undergo XXXX and wasnt able to physically login to my account and make that payment. When the Kohls rep heard I was in the hospital, he mentioned that he would refund my late fee and make sure my payment didnt get report to all 3 credit bureaus as late. Well they are reporting it late. I have called several times ( 10 times or more ) and spoken with a Kohls Manager and nothing has been resolved. I am trying to get pre approved for my first home and this late payment sure is putting that on hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I can not link my PNC Checking account to my Investment account so I can fund the investment account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have owned many Chase credit cards over the past ten to fifteen years. Most recently, I had two cards that were active, but used only one for purchases, etc. The company charges {$95.00} annually for the use of the card. Recently, I decided to cancel card with annual fee and use my non-fee card instead, but the card will expire in XXXX, so thought best to receive the new one with same account number, which has been the case in the past, but instead they cancelled this account, misunderstanding my request and said I'd receive a new one with a different account number in a few days via USPS and it might require a signature, all this via messaging because they are not taking phone calls during this health crisis. 

On my account page online, it does not show that the card I want to use as being cancelled, yet in the grocery store today, it was denied. I am now left with NO credit cards for purchases until I receive the new one. I have sent another message regarding this but have not received a response to date. 

How is it that an enormous bank such as JP Morgan/Chase does not have the work force to respond to queries from its customers via phone? If I had been able to discuss this via phone with a person, it is likely I would not be without an active credit card today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
EOS CCA agency placed a collection on my credit report showing I owed {$860.00} to XXXX. They have called me and I told them I owe no debt to them or XXXX and to prove it. They refused to show me proof of the debt and they continue to call me with threatening calls. I did a little investigation myself. I found two email letters sent to me from XXXX showing I returned their equipment which is proof I owe nothing to XXXX or the agency. I filed a complaint with XXXX  regarding XXXX sending a debt to an agency that I do not owe. Someone from XXXX called me name XXXX XXXX who left a message and said she would investigate and find out why the agency was calling me she also said she was going to contact the distribution center for XXXX to confirm the equipment was returned. The next day I get an email from Ms. XXXX telling me that my account was sold to EOS CCA agency and that she could not do anything to assist me and that I needed to contact the agency. I have proof XXXX received my equipment which I will upload for you to review. XXXX refuses to acknowledge they are selling accounts to an agency for debts that most people do not owe. They refuse to own the fact that they did not update my account to show the equipment was returned to show I owe nothing. In fact I received another call from someone name XXXX at XXXX executive office claiming that it is not their responsibility to contact the agency it is my responsibility. I told XXXX that it was XXXX fault my equipment was returned in the year 2017 and they neglected to update my account accordingly for that reason they sold my debt in error for a debt I did not owe. I asked for his boss and he refused told me again it was nothing they could do. I ended the call. He called me back and said I am going to notate that you hung up on me. I told him to since he refused to get me someone above him that there was nothing more to say. Call was ended again. I want EOS CCA to be investigated for buying my account in which I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I received an escrow balance check for $ 600+ In XX/XX/2019. Unfortunately the check was lost and Ive been trying to get a reissue for over 10 weeks. The mortgage company claimed they are investing the situation but I havent received additional information or a reissue of the escrow check. 

Ive spoken to three customer service representatives on this matter to no avail. The mortgage did company confirm that the check did not clear however Ive received no further information on the reissue. This company has become difficult to work with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am using an investing company by distributing funds from my PNC account to my XXXX account. Unfortunately, PNC is blocking me from distributing funds to my investments with XXXX. It's my money and I would like to use it the way I want.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I begin receiving child support payments in amount {$310.00} under docket # XXXX. The IL state disbursement unit sent the funds to an old account on file with XXXX that I no longer have access to. The old account is from XXXX. I just start receiving child support for the first time in 13 years. The total funds are {$3500.00} as of XX/XX/XXXX. I requested a trace with IL state disbursement unit who informed they are unable to complete. I am contacting XXXX, Netspend and XXXX to provide my personal info and locate and give me access to my funds or return to issuer because I dont have an account with them.

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 2020-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit and Receivables Services Inc.
State: VA

Complaint narrative:
This company has violated my Hippa rights and so many others. I dont know who this company is and this company is reporting wrong information on my credit report. They have called me and threatened me.

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 2020-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I received notification on XX/XX/2020 a new credit report entry was submitted to my credit. However, I have not applied to have any new credit recently. 

I called Midwest Recovery Systems at XXXX central time. I was informed the call was being recorded. I provided my name and number. They requested I provide my social security number I declined due to multiple scams being attempted. Furthermore, I requested information about legal department person refused by hanging the phone up in my face. I called back at again. It provided a message about leave name and number and we will get back to you within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EULER HERMES UMA, INC.
State: NY

Complaint narrative:
AT ABOUT XXXX XXXX ON XX/XX/XXXX, XXXX XXXX FROM EULER HERMES CALLED ME TO ASK ABOUT A PAYMENT I AGREED TO MAKE.  I TOLD HIM I WAS JUST WORKING ON IT NOW AND ASKED FOR THE PROPER ADDRESS TO MAIL IT TO.
INSTEAD OF GIVING ME THE ADDRESS, HE TOLD ME HE WOULD "NOW TAKE THE PAYMENT OVER THE PHONE".  I TOLD HIM I WOULD NOT DO IT THAT WAY, THAT INSTEAD I WOULD MAIL IT AND HE LAUNCHED INTO A PERSONAL ATTACK INCLUDING MOCKING MY SPEECH AND MAKING FUN OF ME FOR NOT PAYING ON TIME.  THIS WAS THE MOST UNPROFESSIONAL CONVERSATION I HAVE EVER HAD WITH ANY COLLECTION COMPANY.
HE NEVER ADVISED ME THAT THE CALL WAS BEING RECORDED OR NOT.
HE THEN CONTINUED TO INSULT ME AND MY BUSINESS, CONTINUING TO MOCK BOTH MY LANGUAGE AND SPEECH.

THIS WAS ABSURD AND COMPLETELY ILLEGAL I BELIEVE.


XXXX   
Re: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INC

THIS IS HIS EMAIL SIGNATURE
XXXX XXXX XXXX Collections Specialist

Euler Hermes Collections North America | Commercial Recovery | XXXX XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX MD XXXX  | Phone: +XXXX XXXX XXXX XXXX  | Mobile XXXX XXXX XXXX XXXX | XXXXXXXX   
www.eulerhermes.us

MY NAME IS XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
The original debt was with XXXX  XXXX  a payday loan service online back on XX/XX/2016 then the debt was sold to XXXX  XXXX XXXX XXXX  on XXXX XXXX and had remained unpaid until XXXX XXXX and was removed from my credit report and sold to National Credit Adjusters on XXXX XXXX, who never sent me any kind of letter or anything stating they where the new collection agency .It just showed back up on my credit report sometime in XXXX showing and open balance like this was a fresh new account in return made my credit score drop very very bad and after some research I found out that this company NCA had re-aged the account to make it look as if it was a recent account that just went into default and its not the account is over 4 years old and  they are showing missed payments on my credit report and I have never received so much as a letter from this company even saying who they are.they have re aged this old account.Although I disputed this account it seems to be going nowhere.

Company response to consumer: Closed with explanation