vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This debt was removed from my credit report over a year ago by the same creditor but it has now reappeared. I sent a dispute regarding the deletion and it 's still appearing on my XXXX repair. The company is XXXX XXXX XXXX but original debtor is 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 2017-07-24 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: TX

Complaint narrative:
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

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 2017-07-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.

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 2017-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MS

Complaint narrative:
Below is the text of an email I sent to the Collector today. I also attached the certified cease and desist letters. I received a voice mail today from your firm and returned the call this afternoon. I spoke with an XXXX who stated I had two accounts assigned to your firm and only those two accounts. I received 30 day notices for two accounts with your firm in 2015 and sent certified cease and desist letters. I have the letters and return receipts. Your agent stated neither account was marked cease and desist. I find this hard to believe considering it has been a little over two year since hearing about this. I believe the more likely explanation is that your firm has a policy of calendaring accounts for some time in hopes the debtor has n't kept the records to prove a cease and desist letter was sent. I am on Social Security XXXX and I have no assets. Regardless of the explanation this is a clear violation of The Fair Debt Collection Practices Act. I will be sending a copy of this email and copies of the certified letters with receipts to the Consumer Financial Protection Bureau for whatever actions they deem necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In 1996 I opened a prima bank services account with no monthly service charge at a Bank of America branch The agreement provided that as long as I had a minimum balance of {$5000.00} I would not be charged for my standard safety deposit box. For twenty years Bank of America has lived up to the contract. However yesterday I received an invoice for the safe deposit box for {$75.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: MI

Complaint narrative:
To Whom It May Concern:

About XX/XX/XXXX I started getting $2,000 to $5,000.00 charges on my credit cards a month from a cosmetic company! I would contest these charges; they would be dropped only to show up on another card the next month! This XXXX went on for years, could not get through to the people in XXXX that I am a man and do not use cosmetic. After 6 to 7 years of this XXXX the charges stopped! Then Discover stated the $4,000.00 to $8,000.00 transfers from card to card.
With late fees, overdrawn fees, fees on top of fees. I stop using all their cards in XX/XX/XXXX except XXXX. They stopped charges.
Well in XX/XX/XXXX, I was informed that my claim for XXXX from Social security and the Veterans Administration was approved< but is seems that the insurance company or the credit card company were informed of this before I was and canceled my XXXX and XXXX insurance. I sat down and figured how much I did owe them and stop paying when I hit that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is inaccurately reporting an account for a previous car loan with XXXX XXXX XXXX that has been removed from other credit bureaus because the car was returned and the balance satisfied. When asked Equifax to remove this item they are using my name and identifying information to confirm the account without properly checking the records for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
In XX/XX/XXXX, XXXX sold our Mortgage to Bayview Loan servicing. We had never heard of Bayview until then. However, they are reporting on my credit file that I have had a loan with them since XX/XX/XXXX. They are also reporting that I have missed 4 payments, and I have made 2 on their Fresh Start Program. I was contacted by a Bayview Representative, XXXX XXXX in XX/XX/XXXX, and asked if we would like a loan modification and I applied for it, and was told about the Fresh Start Program. I was told to get a Prepaid debit Card, and to put {$890.00} on it so that Bayview could withdraw it for the house payment for 3 months, and they would forgive the payments that were behind while they were assuming the loan. Our first payment was to have been in XX/XX/XXXX, but we received no paperwork to sign to accept the new program. So on XX/XX/XXXX, I telephoned Bayview, and a payment in the amount of {$890.00} was given to them by phone. Again, XXXX XXXX told me she was setting us up on the Fresh Start Program, and a payment of {$890.00} would be coming off the card on XX/XX/XXXX. I placed {$900.00} on the card for the payment, and Bayview NEVER took it off. ( See Transaction list for Prepaid card, attached ). I called back to Bayview, and XXXX was not available to take my call, so the lady who answered the phone, stated to me the next date for a payment was XX/XX/XXXX, NOT XX/XX/XXXX. This was an error on XXXX XXXX 's part, not mine. The Fresh Start Program was suppose to start with the first payment on XXXX XXXX, and the previous payments for XXXX, XXXX, and XXXX were to be forgiven and added to the maturity of the loan. Before Bayview, as I stated, this loan was with XXXX. We borrowed {$85000.00} in XX/XX/XXXX, and when the mortgage was bought by Bayview, we now owe {$90000.00}. Our interest rate has changed 2 times. Our entire payment has been going to the interest for 8 years. I received a XXXX package from Bayview, and it was my address, but NOT my name, nor the information on my account. It was someone else 's account, and they wanted me to sign it and send it back. This account has been sold at least 4 times, in the past 6 months, and I have NEVER signed ANY paper for any company except XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I received a letter by mail portraying a lawsuit against 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 2017-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
On XXXX XXXX, 2017, I went shopping at TJX in XXXX XXXX, RI and when I was checking out, the woman at the register told me that TJX is converting all of its card holder to Mastercard and that they are offering an additional discount if I would do it right now at the register. I told her I did not really care about doing this now but she kept baiting me with " we are giving an additional discount '' and when I said I am fine with waiting for the new card to just come in the mail she said : " well, we have so many customers and that could take a very long time so why not get the additional discount on your purchase today ''? I finally gave in and she then asked me to put in all of my information on the machine and I told her " this is a soft credit pull, right? as I am a customer already. She said you already have the TJX rewards and we are just converting over and when you get the TJX MasterCard throw away the old card. However ; it was a hard credit pull and now I have TWO TJX CARDS ; the ORIGINAL CARD AND THE MASTER CARD AND I AM NOW GETTING TWO BILLS AND I AM NOT SUPPOSED TO SHRED THE OLD CARD. So, this is a CLASSIC BAIT AND SWITCH AND I WAS IN THE PROCESS OF A MORTGAGE APPLICATION AND WOULD NEVER HAVE DONE A HARD CREDIT PULL. SO TJX IS SAYING ONE THING AND SYNCHRONY BANK IS ISSUING THE TJX MASTER CARDS AND ARE NOT AWARE OF WHAT IS BEING PROMOTED ; EITHER THEY ARE OR THEY ARE NO UPGRADING ALL TJX MAX CARD HOLDERS TO A MASTER CARD ( LIKE MANY RETAILERS ARE ) OR THEY ARE SIMPLY LYING AND SYNCHRONY BANK IS NOT ISSUING ANY APPLICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a current line of credit with SLS and the loan comes up due on   XX/XX/XXXX  as ballo on payment of {$330000.00}. I called them and asked if this loan can be refinanced or term can be extended or whatever it takes to continue my payments, they said to apply, I did and they denied my application because the investor will not work with me and either I have to pay the full balance of {$320000.00} or sell my house. I am retired and this is the only home I have, I am not able to refinance the loan because o f 2 reasons, one I a m on fixed income and the bank will not give me a loan and second, I dont have enough equity to refinance the loan. As I mentioned earlier, my husband and I have lived her most our lives and are retired couple, we have always made our payments on time and we are current on both of our loans. All I am asking for is for them to allow me to continue making payments on the loan.

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 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I closed my account with AAdvantage Mastercard on XX/XX/XXXX. After closing my account, and paying the final balance, I set my email notifications from AAdvantage to my junk mail. In XX/XX/XXXX, I saw a bill in my junk mail from them for {$150.00}. I did n't know what it was for so I called them. They said after I closed my account they received another charge on the account for {$15.00} and processed it. Over the next few months that turned into {$150.00}. They said they 'd escalate it to remove the charges. They called me back XX/XX/XXXX, and told me I would have to pay the full amount. They said there was a loop hole in the law that allowed them to accept that charge. I was upset, but I did n't think there was anything I could do, so I payed the balance. I saw another email today with charges from AAdvantage after I canceled the card, and paid the closing balance twice. I want to make sure these guys do n't do this to anybody else. Although my first charge is unethical, as was communicated to me on the phone by their representative, it it within the law. This second charge is illegal. I do n't like when companies take advantage of consumers. This has taken a lot of my time and money to resolve. AAdvantage is acting illegally and is taking money in bad faith.

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 2017-07-24 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
EWS has failed to provide under the FCRA time limit a response on their method of verification. I requested that they NOT use a XXXX method of verification and provide me the physical documentation of their methods of verification due to the nature to the dispute was due to identity theft and need the documentation for my records. They have failed to respond thus under the FCRA time frame limits the items disputed must be removed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
We sold our timeshare from  XXXX   XXXX  in Virginia to     XXXX   XXXX   XXXX    in   2011. As s pecified in the agreement of sale,  XXXX  assumed all previous, current, and future debts. Apparently, there is some claim by  XXXX   XXXX  that we owe them money. Despite repeatedly sending documentation to  XXXX   XXXX  that they should contact  XXXX , we have been hounded ever since    2011.  We were reported to the credit agencies, and we were able to prove to them that we do not owe this debt. Our credit was restored and the debt was removed from our credit reports.      XXXX   XXXX , at some point, sold this debt t o Meridian Financial ser vices. We have sent them documentation, on multiple occasions, that we do not owe this debt. We are called at all hours, all days of the week, multiple times per week. They will not leave us alone.     I would appreciate any assistance that you can give us.

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 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC
State: CA

Complaint narrative:
This company offic es of FMR, calling me  from different  XXXX  numbers, talked to representative and it 's not even a debt I owe. Calling other family and friends numbers and leaving messages about trying to contact me. I do n't owe any company and I have blocked several numbers and it has yet to stop. I do n't need to be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I n  XX/XX/XXXX , I w as resubmitting an application for housing at the apartment complex I was residing due to the complex being bought by another company. I was informed at that time {$5000.00} was on my credit report from Rent Recovery Solutions. I was also told  Rent Recovery had in fac t put another charge of {$5000.00} on my credit, both reported  on  XX/XX/XXXX . I  have disputed both of these charges with Rent Recovery Solutions and the credit reporting agencies as well and yet it remains! Because of this, I have been homeless for th e last 7 almost 8 m onths. As I have continuously explained, I never signed a contract with this company. I can not even begin to fathom how a company can charge a person  XXXX  different amounts and on the same day! It is beyond maddening that NOT  ONE single   person can see there is an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section  611 ( 5 ) ( A ) of the FCRA- they are required to ... .promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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
Consumer complaint received 2017-07-24 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I am to receive  XXXX  points for every dollar spent at  XXXX   XXXX  locations. I am only receiving  XXXX . I filed a compla int  X/XX/2017  reg arding this issue . Case #   XXXX . It was resolved i n  XX/XX/XXXX .    M y  XX/XX/XXXX statement is showing ag ain  XXXX  points per dollar for a total of  XXXX . It should be  XXXX .      XX/XX/XXXX  statement is accurate.
 XX/XX/XXXX    statement is inaccurate. I should receive  XXXX  points.     XX/XX/XXXX  is sh owing  XXXX  pts per dollar again.   As I stated in my previous case, this is false advertisement and fraud.

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 2017-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc
State: GA

Complaint narrative:
This company has called numerous times asking for another person, I explain that person doe not live here and never heard of the person. They say they are taking my number off their call list but a couple of weeks go by and they call again same story different day. I do n't know this person nor have I any information on this person STOP CALLING 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 2017-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
Was offered a settlement by debt collector of {$1900.00} in    XXXX   of 2017. W as unable to settle said debt at the time. Contacted the debt collector personally offering a settlement of {$1000.00} 4 months after their offer. Came to this number after making {$920.00} in payments over 4 months ( {$230.00} in auto debit s ). Debt co llector proceeded to tell me they had to get approval from accou nt holder (   XXXX  University  ) since they o wned account. Debt collector responded that the offered was turned down by account hold er (   XXXX  Universit y ).  I then contacted the school personally and spoke to  XXXX   XXXX . She then instructed me the school would be willing to work out some settlement but the debt  collector   ( Williams and Fudge ) st ated they would not take a settlement due to the comission rate. Then contacte d Williams and Fudge directly ag ain and they said that this was false and that they would not say that.  XXXX   XXXX   ( representative from Williams and Fudge ) s tated that I would not be able to renegotiate my monthly payment amount of {$230.00} per month to {$50.00} per month due to economic hardship since it is not an adequate amount for my debt.     Direct line for me is  XXXX   XXXX   XXXX  ( cell  ) direct office lin e during business hours is  XXXX   XXXX   XXXX  ( offic e line ) Contact in fo for  XXXX   XXXX  is  XXXX  (  XXXX   XXXX   XXXX   Contact info f or  XXXX   XXXX  is  XXXX   XXXX   XXXX  ext  XXXX

Company response to consumer: Closed with explanation