vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My accounts are currently included a chapter XXXX bankruptcy. Per my attorney 's advisement all of my accounts are currently and should be reflecting as such. my largest account is reflecting on my Transunion report as 120 days past due but current on my XXXX. Seeking to make correction to my Transunion 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 2017-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
We had Ocwen as our service. They charged us mortgage insurance and we never needed it. We were in a chapter XXXX bankruptcy and they messed our payments up from the trustee. We tried to modify our loan before our bankruptcy and they lost paperwork. Our names are XXXX XXXX And XXXX XXXX XXXX. My phone number is XXXX. Our current address is XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. The property in question was XXXX XXXX XXXX XXXX, XXXX, Wi XXXX. Can we be part of a class action law suit? Thank you, XXXX XXXX XXXX email : XXXXXXXXXXXX

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 2017-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
I purchased this vehicle XXXX of 2016. Since then the collection efforts are beyond belief. You are harassed prior to your payment. Let 's say your due date is the 21st they claim it 's NO grace period which is fine but you are already receiving threatening collections calls, emails, texts, left messages at all of XXXX XXXX  that morning. They do n't even give you the opportunity to open your eyes at least. When a message is left by law you are not to contact me again for that day. With this company that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I opted out of an Overdraft Protection program for my debit card account which explicitly states that they would decline the card should there be insufficient funds in the account and not charge an NSF fee. Upon noticing a NSF charge I called the bank. They referenced a Regulation E which explains that the opt out does not apply to " recurring charges '' the definition of such was not adequately explained. They refused to refund me the overdraft fee of {$35.00}, even for this first offense. I mentioned that since my account is in negative balance and therefore can not close the account without paying the NSF fee, I would let it become inactive. The repercussions per the agent I spoke with would be another {$50.00} in fees and then having a collection agency attempt to collect his amount. In the meantime, this would effect my credit score and I would not be allowed to open any other checking accounts. This is quite a hefty fee to pay for a poorly worded policy that anyone could have been duped.

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 2017-09-26 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: CORELOGIC INC
State: PA

Complaint narrative:
A request for my credit report was made on XXXX/XXXX/17 without my consent, they stated that I request a loan which is untrue. My credit report show this information as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA 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 2017-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a signup offer of spending {$1000.00} and get : 1. 30000 XXXX XXXX miles. 
2. {$100.00} statement credit. 
3. Free Companion fare ticket XXXX {$99.00} XXXX. 

However, after I spent {$1000.00}, I received only 30000 miles but not 2 and 3. I called BOA and the customer representative had no idea what I was talking about and even transferred me to XXXX XXXX to ask for my statement credit. 

I have no clue in how to request {$100.00} credit card statement from 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 monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a loan for {$10000.00} from Wells Fargo and paid on time with automatic debit. The last payment was scheduled to be debited on-time ( XXXX ) but it never happened. I manually scheduled a payment on XXXX. Wells Fargo has been calling me for payment. On Saturday XXXX, I stopped by the XXXX XXXX, TX branch and Wells Fargo told me that my payment is being processed and it will post on Monday. I requested that Wells Fargo communicate with me by US mail and to stop calling me. Today is Monday and the money has been taken out for days and I am still receiving calls from Collections.

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 2017-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JP Morgan Chase Bank Dear Sir/Madam : I am writing to you in connection claim # XXXX regarding to my XX/XX/XXXX debit card transaction in the amount of {$15000.00} USD to XXXX XXXX. I am filing my claim for a refund under the Visa Chargeback Scheme rules against XXXX XXXX - a binary options broker for the breach of contract ; XXXX XXXX failed to deliver services as promised per conversation with their director - XXXX XXXX and as stated on their website. My husband ( XXXX XXXX ) and I opened the account with XXXX XXXX with the promises that we can withdrawal our deposits in three months once we elevated our account to Diamond status that we will had a dedicated manager and expedite withdrawal. We were n't able to withdrawal our funds upon request and our dedicated manager stopped calling us in XX/XX/XXXX of XX/XX/XXXX and our online trading account were locked out. XXXX XXXX is breach of contract upon the failure to deliver services after XX/XX/XXXX and the actions taken to lock our account with a balance of {$71000.00} USD. Therefore, we are filing the refund under the Visa Chargeback Scheme rules which afford us 540 days from the date we initially sent the money ( XX/XX/XXXX ). I 've attached all documents and communications as part of the this chargeback process. This includes the payment processor platform that is complicit in this scam. XXXX XXXX XXXX is the name on the payment but it 's XXXX XXXX that handles all of the payment transactions. The contact person is XXXX XXXX. Please feel free to contact me at XXXX. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are 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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax did n't have proper safeguards to protect consumer credit information from being disclosed to hackers. I was one of some 140 million Americans who had their credit history and personal information compromised. I have tried to contact Equifax repeatedly and never being able to speak to someone who could help me secure my credit and personal information. The Company has a web site that allows you to enter your personal information including your full social security number in order to provide a free credit monitoring service and they tell you they will verify the submission with an email which you never receive. I found out that this information does n't go to Equifax, but to a so-called " sister company ''. So I have now been hoodwinked into divulging my personal information to yet another company. 
Here is my question, what governmental agency is regulating Equifax and the other two major credit reporting agencies. If there is no regulation of these companies, why is n't there? They are taking information from consumers, often without their knowledge and then not protecting it from disclosure. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing because I have disputed this information several times to no avail. Equifax continues to " verify '' a tax lien that is inaccurately reporting on my credit report. I have also requested method of verification which I never received. According to FCRA, Equifax has 15 days to provide method of verification or they must remove this inaccurate information from my credit report. Furthermore, tax liens are to be removed XXXX years from the date it was filed. According to the most recent Equifax report, this tax lien was filed XXXX XXXX, XXXX. This tax lien should have been removed last month on XXXX XXXX, XXXX. Please remove this inaccurate public record from my credit report immediately and send me an updated copy of my credit report once this has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are 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 2017-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This bankruptcy is being reported on my credit report and I do not have a bankruptcy and never had a bankruptcy. I wants verification and validation of this information. I have dispute with the XXXX 's but have got no luck. This is damaging my credit report, My address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX date of birth XXXX/XXXX/XXXX and last XXXX of my ssn are XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I signed a retainer and have paid Not quite XXXX $ to this so called firm. I recieved a summons from my mortgage holder in XXXX of XXXX, when speaking with the Detective on this case he stated XXXX XXXX is in prison for embezzlement! XXXX XXXX XXXX me again to statell the XXXX court in XXXX XXXX is handling the case. When attempting to contact this said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, recieved only the voice mail Full and unable to leave any messages. XXXX contacted XXXX XXXX, And he state that is the only contact info that he has!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: IA

Complaint narrative:
I continue to get hard inquiries from XXXX XXXX XXXX company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, 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 2017-09-26 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:
In early XXXX I received a targeted promo mailer from HSBC XXXX advertising a {$350.00} bonus for opening, funding and maintaining a new HSBC XXXX checking account. To qualify, you must be a new customer ( I had never been an HSBC customer before ), must open a new Advance checking account by XX/XX/XXXX ( I opened mine on XX/XX/XXXX ), must deposit {$10000.00} or more byXX/XX/XXXX ( I deposited {$5000.00} upon opening the account on XX/XX/XXXX and {$5000.00} more on XX/XX/XXXX ), and maintain this {$10000.00} balance fromXX/XX/XXXX throughXX/XX/XXXX ( which I did ). 

" You will automatically receive the {$350.00} deposit in your new HSBC XXXX checking account approximately eight weeks after completing all qualifying activities. It 's that simple '', stated the flyer. 

After more than 12 weeks, multiple phone calls to the toll-free customer support line at XXXX as well as to the local branch in XXXX XXXX, CA where I opened the account, additional e-mail correspondence with the Vice President/Cluster Branch Manager and an in-person visit with the same employee, I have yet to receive the promised {$350.00} bonus. 

Every conversation I have had with the local branch employees ended with promises of impending bonus deposit " in a few more days '' or " next week ''. Every conversation I have had with the toll-free customer service representatives started and ended the same way : their confusion and inability to seemingly find any related notes, reference numbers or resolutions regarding this issue. 

Additionally, I referred two new customers to HSBC as part of their " Share The Experience '' promotion, qualifying myself for a {$100.00} bonus per new customer. I have received only one {$100.00} bonus, with the second one due on XX/XX/XXXX. Both of the customers I referred opened new accounts and funded those accounts as mandated by the promotional language. XXXX XXXX branch employees have confirmed this and reassured me that I should be receiving the second {$100.00} referral bonus within the promised XXXX window. That has not happened. 

As ofXX/XX/XXXX, HSBC owes me a total of {$450.00} for personally opening a new HSBC XXXX checking account ( {$350.00} ) and a missing referral bonus for a previously confirmed fully qualified new customer referral ( {$100.00} ). 

I feel that I have reached the end of the road dealing directly with HSBC and its representatives, and would much appreciate some assistance securing what is rightfully mine. HSBC mailed me an offer, I played by their rules, yet they have failed ( repeatedly, I might add ) to uphold their end of the bargain. I have never had such a frustrating and disappointing experience with any other bank promotional offer, and I will never again deal with or recommend HSBC to anyone I know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26 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: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I continue to get hard inquiries from Chase Credit Card company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
I am writing to dispute a collection agency, Optimum Outcomes, for reporting inaccurate information on my credit reports. I have disputed this information by requesting debt validation and have not received a response. This collection agency is inaccurately reporting in the amounts of {$290.00} and {$440.00}. I have never heard of this company and I am for certain I do not owe this money. I want both of these accounts removed from my credit reports immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used bestbuy credit card to buy some item, i made exchange in best on XXXX XXXX 2017 and Bestbuy agent said " you getting warning and i give you warning long with receipt after complete my exchange '' ( please play video it will show you true incident ). He didnt explain about the warning also he continue to work on exchange without giving warning receipt too. Item what i brought is not working properly and i went next day for exchange then i come to know about my returns are not accept upto 1 year. I try to work with corporate and bestbuy credit but no luck. 

Please look the time stamp on receipt there is no time difference between exchange and warning receipt.

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 2017-09-26 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: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
On XXXX XXXX I sent a signed letter via certified mail offering to pay the full amount of XXXX as reported to all three major credit bureaus. My offer also states that the collection company would either remove the collection or change the status to pays as agreed. Collection Bureau of America did not respond in XXXX to 45 days or in a reasonable amount of time per the Fair Credit Reporting Act and collection was removed and no longer reporting. Collection Bureau of America did respond on XXXX XXXX, XXXX. Collection Bureau of Americas ' statement incorrectly states that I disputed collection and requested verification. As a reusult, the collection was reinserted and is reporting as a negative collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: MS

Complaint narrative:
I do n't have any account with XXXX XXXX XXXX XXXX XXXX 
However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.

Company response to consumer: Closed with explanation