vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX i received a letter from XXXX XXXX stating that i owe {$87.00} to creditor : XXXX XXXX. from an account back in XX/XX/XXXX. 

I called the creditor XXXX XXXX  and ask about the account and they said that i paid the account in full and nothing else was needed. Costumer Rep sent me an email stating that my account was pay-as-agreed and nothing was sent to collection services. 

Therefor i called CCS, they asked for my file number stated in the letter from them and to verify my address and name. Informed them that i called the creditor and ask about the account debt, and that i have received a email from the creditor stating that the account was payed as agreed. CCS asked me to sign up on their website for a " email services account '' to show them the email from the creditor

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
We called my Mortgage Company my finance and I in XX/XX/2018 of this year and ask them was there anything they could do because my son was having a XXXX XXXX Transplant due to his complications of his sickness, Not only did I provided all the documents as far as my XXXX, I also time taken off work, which was from XX/XX/2018 until XX/XX/2018 because I was my son care giver at the hospital I stayed from the beginning to the the end of the procedure. I explained to them with me taken off work it will put us behind with our mortgage, they told me sure I will see what I will do, just provided me with everything.The hospital Social Worker wrote a letter. From the time I sent all my paper work while in the hospital until now. It is now the end of XXXX they still say send me this, send me this, but he wait until 3 week just send me this, another two weeks just send me this. I don't know what else to do were trying to play catch up of course they return the money back. We told them we don't want to sell our home, they still ask. I fell I were being discriminated against. Can you help please me with some advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello I '' m Making a complaint because I want Citi Bank to remove 2 hard inquiry '' s from my credit report. Because I did a pre qualify application and it said it wont effect your score. So the application passed through my credit twice any way as a hard inquiry '' s on the same day twice and I only applied once. This is the link I used for the application process XXXX XXXX XXXX XXXX. Which was XX/XX/2018. Under the fair credit act if they wont remove this from my credit I will sue.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
My Husband & I joined XXXX XXXX a year ago and I am on the account.We always paid our bills on time.Since joining my Husband has ended up in XXXX & left me with XXXX money. I am low income & have a small child to raise.Our FINAL bill was {$160.00}, I emailed XXXX XXXX asking for a payment plan of {$20.00} a month ... .more if possible.They accepted my request.My first payment was for {$20.00} & my second for $ 50.All the sudden I got a call from a collection agency named GC Services requesting the remaining balance of 99.00.I was upset bc my account was actively being paid off already.I never breached any agreement with XXXX.But I agreed to pay the balance on XX/XX/2018, as long as XXXX sent me a email or letter promising that they had not damaged my Husband 's credit record already.Not a lot to ask, if I am gon na pay them as requested.Tmw is XX/XX/XXXX & I have received nothing from XXXX, to this day . GC Services promised that I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Company refuses to show me previous balances.

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 2018-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I responded to an offer from US Bank NA and processed a balance transfer with 0 % until XX/XX/XXXX. The First month payment was {$300.00} and I paid before the due date. Not too long after that I received a letter from US Bank saying that my account is going to be closed on XX/XX/XXXX and I should continue making my payments as usual. When I received the next statement my payment went up to {$690.00} with XXXX being the interest. I contacted US Bank and inquired why there is interest charge where my offer was no interest until XX/XX/XXXX ( and that was the reason I transfer my existing balance from XXXX to them and also paid balance transfer fee ). Today I spoke with the person who closed my account and she advised me that once they close a credit card they take away all promotions. I told her that non of that is in their disclosures and it seems to me they trapped me offering a promotion and getting my balances and closing my account charging 15 % APR. I asked her to reinstate the 0 % until XX/XX/XXXX according to their offer but she refused. The only reason I transfer the balance was because of the offer they sent me and US Bank must honor its Offer.

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 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
On XX/XX/2017, I submitted an email to the management of XXXX XXXX, XXXX XXXX, indicating that I, XXXX XXXX XXXX, intended to leave the apartment early if possible due to constant fire alarms ( 43 notices in 18 months lease ), which is 3 times a month. This made the apartment unusable. The management of XXXX XXXX, XXXX XXXX, acknowledged in an email dated XX/XX/2017, that my lease expired XX/XX/2017 and that should I leave early I would have to pay an early termination fee. I choose not to leave early and fulfill my original lease. This written email constitutes notice and intention to leave under VA XXXX, the RTLVA, Section 55-248.6.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC
State: PA

Complaint narrative:
I received a call in XXXX from the XXXX XXXX XXXX , XXXX . The call was regarding a Medical Bill, of  {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at XXXX XXXX after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX , XXXX. to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018, my checking account balance was {$330.00}. I then made a purchase for {$240.00}, leaving a balance of {$89.00}. The next day Wells Fargo charged me a {$35.00} overdraft fee for my transaction of {$240.00}, even though there was {$89.00} still in my account!! Wells Fargo only partially refunded my overdraft fee.

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 2018-08-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The reason for my writing to you is to state SYNCB/XXXX   is being unreasonable. 
This company requested that I provide detailed proof in regards to being a victim of identity theft. I provided proof that mails which were being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were compromised and my personal information accessed and used without my permission. I attached my dispute letter which I sent to this company on XXXX with Fair trade commission ID theft report, ID theft Police report and my identity documents. 

I am a victim of identity theft. This report is to document compromise of my personal information, resulting from mail taken from my mailbox during the period in question. 
This account and my personal id info may have been  compromised. Please note that mails which was being forwarded to XXXX XXXX XXXX, XXXX XXXX CA XXXX were stolen. As a result, I didnt get mail. 
There are possible fraud charges since my charge was {$41.00}, any additional charges were fraudulent. This letter is direct confirmation that I want this account deleted, I have enclosed proof of my identity and a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 
But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : SYNCB/XXXX XXXX Date of account Opened XXXX The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. I request that you remove this account from my credit report. 
Attached : 1. My dispute letter to this company 2. My police report 3. My FTC report 4. My Small claim form

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 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: GA

Complaint narrative:
I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NY

Complaint narrative:
Hello, I '' m reporting a problem because I did a pre qualify application with one main finical on XX/XX/2018 and it was supposed to be a soft pull on my credit. this application also said that my credit would not be effected if i applied I called them last month to prove to me if this was a hard pull or send me a letter and they could not provided any proof. Here is a link I used for the application. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened a new HSBC Advance checking account with {$350.00} new account promotion online in XX/XX/2018. I fulfilled all the promotion requirements by applying the account online and maintaining over {$10000.00} balance. The latest time when I would receive the {$350.00} bonus, based on the promotion terms and conditions, should be before the middle of XX/XX/2018. But till now, XX/XX/2018, I still did not get the bonus.

I tried almost 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives agreed that I satisfied all the promotion 's requirements. They even told me my case was reviewed and the bonus credit was approved by a manager. The latest date, when the bonus credit was promised to be posted on my account, is XX/XX/2018. BUT, today is XX/XX/2018. In addition, most of the representatives asked me to wait and promised that somebody was working on my case. BUT, waiting after waiting, nothing was updated for my account balance. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA did not give me the bonus as promised. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for almost 10 times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have requested that all Dispute remarks be removed from all accounts on my Experian, XXXX, and XXXX  reporst. The remarks need to be removed before I can close on my home loan. 

I was told by a Mortgage Company to dispute the issues that were in collection and then now being told by the another company that all dispute remarks have to be removed. I called each company and so far the remarks remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.

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 2018-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I obtained a cop of my credit report and noticed unauthorized inquiries i immediately called the three reporting agencies they all gave me the run around even going as far as saying i was lying and implying it was me i wrote letters to all three bureaus ( XX/XX/2018 ) only to not get a response and i still call to no avail at this point im just tired of being on hold for some rude person having a bad day to question about calling in.

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 2018-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: TX

Complaint narrative:
PHH mortgage is claiming that the home loan to value ( LTV ) mus be 75 % in order to request a drop of private mortgage insurance ( PMI ). According to the consumer protection act of 1998, the PMI can be requested removed at 80 % LTV and must be automatically removed at 78 % LTV. I have never missed a payment, and recently ordered an appraisal which gave me an LTV of 78 %. PHH is refusing to drop the PMI after we followed the proper steps or requesting the drop in writing, having an appraisal, and being current on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
My Capital One credit card has been charging me late fees, and interest when I increased the amount that automatically comes from my bank account. I had increased the amount to make sure that I would not have any problems with late fees and other charges against the credit card. I notice that in XXXX and XXXX the amount changed back to {$100.00} when I purposely increased amount to {$120.00}. When I checked my credit card statement it shows {$100.00} instead of {$120.00}. I believe that Capital One changed the amount of my automatic payments so they can charge me interest and late fees. 
I was paying late fees on {$1.00} over the amount of the auto payment. A late fee and interest was {$38.00} dollars. This month it was {$38.00} for over the auto payment amount of {$5.00} dollars. This causes my credit card amount to increase in interest and well as late fee charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/2015 I received a letter from Wells Fargo dealer stating my auto account XXXX has been paid never late satisfactory. Since that time and the present Wells Fargo Dealer has changed my status from charge off then recently to paid charge off. This is an error and I believe violates my rights under the FCRA. Please has this status change to paid as agreed attach will be the supporting documents from Wells Fargo dealer and my 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