vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting a public record, Bankruptcy on my credit profile and that Equifax is obtaining that information from a third party data furnisher, XXXX. 

I contacted XXXX and disputed this information and then sent me a copy of my Consumer report which stated : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case # XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your XXXX Risk View Report. 

I then sent my XXXX report to Equifax but they continue to report this public record stating that XXXX is continuing to provide this data and will not remove it from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK, N.A. CLOSED AN EXEMPT ACCOUNT THAT RECEIVES US TREASURY FUNDS, FEDERAL BENEFITS. 

THE ACCOUNT CLOSURE VIOLATED CHASE CONTRACT ( FINANCIAL AGENCY AGREEMENT ) WITH UNITED STATES TREASURY AND THE FEDERAL RESERVE BOARD. THIS CONTRACT DICTATES THE REQUIREMENTS PLACED UPON THE BANK AND ALLOWS CHASE TO ACT AS A FINANCIAL INSTITUTION DEPOSITORY RECIPIENT. XXXX XXXX XXXX XXXX XXXX XXXX. 

AS A BENEFICIARY PAYMENT RECIPIENT MY ACCOUNT WITH CHASE WAS/IS EXEMPT FROM SEIZURE, LEVY OR GARNISHMENT. I ADDITION A COURT ORDER WOULD BE NEEDED TO PROCESS A SEIZURE, LEVY OR GARNISHMENT. 

ACTING AS A FINANCIAL AGENT FOR THE UNITED STATES TREASURY, CHASE IS RESPONSIBLE FOR REGULATION E COMPLIANCE. PART 22, TITLE 31 PART 212 SECTION E. " COMMERCIALLY REASONABLE BUSINESS PRACTICES '' THE FEDERAL RESERVE BOARD AND THE UNITED STATES TREASURY PLACE UPON CHASE " NO CHALLENGE OF PROTECTION ''. THE BANK CAN NOT FREEZE OR OTHERWISE RESTRICT THE ACCOUNT HOLDERS " FULL AND CUSTOMARY ACCESS TO THE ACCOUNT ''. A TEMPORARY FREEZE ON AN ACCOUNT WHICH IS EXEMPT VIOLATES FEDERAL ANTI-GARNISHMENT STATUTES, PROTECTED FEDERAL BENEFITS IN AN ACCOUNT, A BANK MUST COMPLY WITH PROCEDURES TO PROTECT THE ACCOUNT AS SET FORTH IN 31 CFR 212.6 CHASE BANK FROZE AND CLOSED MY ACCOUNT ON XX/XX/2017 AND WITHOUT WARNING OR EXPLANATION. CHASE BANK THUS VIOLATED THE RULES AND REGULATIONS SET FORTH IN THE CONTRACT THAT IS BETWEEN CHASE BANK, UNITED STATES TREASURY DEPARTMENT OF FISCAL SERVICES AND THE FEDERAL RESERVE BOARD OF NEW YORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
Hi i opened up this account with promo code XXXX and was suppose to receive a XXXX $ bonus for doing a bill pay transaction of XXXX $ or more, its been past 90 days and i still haven't received the bonus. 
The terms say " Once all conditions and requirements of the promotion have been met, a promotional credit will be applied within 90 days from the date of the qualifying bill payment. '' The Bank was BBVA COMPASS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion Error In Credit Reporting it says employer XXXX XXXX XXXX. This was removed many years back. It recently appeared a few months back and was told by transunion rep It would come off. Just want this removed from my personal information.

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 2018-10-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX   XXXX  Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Experian : 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 non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Perfection Collection
State: AZ

Complaint narrative:
XXXX was to install equipment in my house and never did. I called to cancel and the bills just kept coming. I faxed them and mailed them as you can see from the files I have sent. They just kept sending bills until the amount was around XXXX dollars. The bills did stop but turned over to a collection group called Perfection Collection. They have made many threats not only to me but my wife and son who dose not live at home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: CT

Complaint narrative:
Have had a checking account, debit card with Discover Bank since XX/XX/2018. Have submitted multiple IC3s, complaint forms, letters, etc., to all federal banking agencies in DC. You all should have big files on me by now, CFPB included. Closed checking account with Discover XX/XX/2018, as you can see only had this account for 6 months before the XXXX XXXX the fan. Spoke with an Agent XXXX, if, in fact, he is NOT a FRAUD, with regard to stolen checkbook, etc., still on going, woman of SUSPICION, XXXX, who cleans house where I reside, XXXX be a theft ring, XXXX. Today I noticed the number provided to me on my checks w/ this bank ( account number ) is 10 digits, looking very much like a phone number, decided to call that number and a woman answered, could be a coincidence or NOT. This needs to be investigated, you at the CFPB have to convince me this is a coincidence. Also confirm to me banking institutions can have as many or as few digits in their account numbers, not a consistent amount of numbers as instituted by the Federal Reserve Board. Another checking account I have has 12 digits for account numbers. With mega on going issues there seems to be a consistent pattern here with my banking. Please advise. Maybe a Set-Up, conspiracy, multiple questionable married into extended family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX sold my mortgage to fifth third bank some months ago. On XX/XX/XXXX, I received a message from my home owners insurance company saying my policy had expired on XX/XX/XXXX due to non-payment. Now, I had a 10 % late fee on my renewal. I called my mortgage company to address the issue, but they would not discuss the problem with me saying I had to talk to their insurance department. This " insurance department '' out to be a third party company unaffiliated with the lender. The Third Party Insurance Department also could not help me saying they had only my policy number and all the accounts had just been handed to them. They told be they had to call my insurance company, put me on hold for 25 min and then disconnected the call. Three more phone calls to the bank ensued, as well as two more to the Third Party Insurance Department and an online message to the bank. 

This bank needs to pay my home-owners policy premium from my escrow account and to pay the late fee from some other source.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I currently have a home Mortgage with XXXX XXXX. The Escrow Department is grossly negligent in organizing and submitting payments for homeowners/flood insurance. I paid up from for homeowners and flood insurance during the home building process. After the home was complete, I received an email from a Whitney Representative that I must pay the homeowners premium up for a year and send proof of payment/Policy. I inquired about where is the money that I paid towards the insurance monthly during the building process and it appears that I am paying for the same insurance twice. I was informed I must pay the premium to change from construction loan to permanent loan. Nevertheless, I paid the premium and was informed that I would like get a refund during the Escrow yearly analysis. Not sure why the payments that I made towards insurance could not be applied to the premium. It appears the departments and are separate companies inside of one company and systems are not seamless. My recent issue is that my homeowners/flood representative informes me that they havent received the flood payment and it was due that day. This concerned me greatly as we live in a hurricane prone state and currently in hurricane season with a hurricane moving into the XXXX XXXX XXXX. I contacted Whitney on XX/XX/18 regarding the proof of payment. The Whitney Representative couldnt provide me with proof that the payment was made except the date payment was sent and check number. I requested proof in writing and was informed I should receive a letter in the mail in a few days stating the payment was sent to insurance company. I believe I should have received proof emailed or faxed to me on the date I requested. My homeowners/flood Representative decided to follow up Whitney on XX/XX/18 regarding the Flood Payment that was sent on XX/XX/18. Whitney apparently ignored the bill address on the Flood insurance bill and decided to mail the payment to Homeowners billing address. The Homeowners/Flood requested that Whitney overnight another check to the correct Flood address as the policy has currently expired as XX/XX/18. In the Whitney world, Overnight mail will take 3 days to receive. I refuse to pay twice for the same insurance policy again because Whitney is unable to fix their issues. This issue requires corrective action immediately before homeowners assume that they have insurance and face a loss due to a storm only to find out Whitney sent the payment to wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX, a credit in amount of {$170.00} was issued back to my bank by a vendor for a purchase return. I presented written proof of this credit from the vendor to my Visa card on 5 separate visits to Wells Fargo Bank, XXXX, KS. A Wells Fargo loan officer did several 2 hour searches for the credit and claimed it was never made. I showed written proof of the return credit to my account from the vendor, XXXX XXXX XXXX, XXXX, IL to the bank on each visit. Wells Fargo has not provided me with written proof showing the credit was received or returned to the vendor. The credit was issued to Visa Debit Card NO : XXXX XXXX XXXX XXXX, exp XX/XX/XXXX. 
I have spent several hours on the phone both with the vendor and Wells Fargo Bank in addition to my 5 visits to the bank all to no avail -- the bank still has my money and is refusing to cooperate with me or credit the money back to my account. 
I have 5 letters from Wells Fargo Bank in reference to their claim NO : XXXX Two of the bank officers involved in this dispute are Mr. XXXX XXXX and Mr. XXXX XXXX, Wells Fargo, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX, phone 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 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Client Services, Inc.
State: FL

Complaint narrative:
XX/XX/2018. Received a Debt Validation Notice from Client Services from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. 

Per Federal Law and guidelines established by the Federal Trade Commission, I advised this debt was time-barred and the statute of limitations expired months previously. Response was in writing as the law requires, including copies of supporting documentation and copies of the Statutes as they apply in the case. 

In my written response, I asked Client Services to notify me of any course of action they took, and/or notification once they closed this account. My written response was mailed on XX/XX/2018. 

On XX/XX/2018 at XXXX ( EST ) I called Client Services and spoke to two different people. XXXX XXXX and XXXX XXXX. Both employees were unprofessional, dismissive, and claimed repeatedly, There is nothing in this office that I can discuss with you. They advised me to contact the original creditor, XXXX, who they are representing. I advised Client Services that I sent my written validation notice to Client Services, not XXXX. 

Client Services refused to assist or discuss anything with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I called the credit card companies and told them I was unable to make the payments due to financial hardship I was having. The representatives with whom I spoke with several times, told me I had to pay regardless. Therefore, I had to make a drastic decision and I stop paying. Then, the cards were charged off. I started receiving calls everyday to collect the payments on charge off cards. Then my accounts was sold to XXXX XXXX and XXXX XXXX has been calling me everyday, and on my job. When they called my job, the representative would ask for me, they would have have to be transferred several times, not only that but once they are transferred to me, they would still ask for me, and when I would tell them I am not allowed to receive calls on my job and I hang up. This company still call me on my job. Now, I have received papers stating this company will be seeking legal actions if payments is not received by this month. I did not sign a contract with XXXX XXXX and I do not owe this agency. I have been receiving calls from so many other advertising companies due to my personal information being sold, even through the mail. I have gotten to the point I do not answer my phone because I don't know who is who or who to trust due to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I initiated a short sale on XX/XX/2018, but was denied to process the short sale, which is an opportunity to avoid foreclosure that all banks give to homeowners. Foreclosures bring down the outlook of a city and state. I want Mr. Cooper Mortgage to cooperate with the short sale agent to complete the short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an Wells Fargo " Opportunity Account '' which allows me to withdraw " {$300.00} ATM & {$500.00} daily spending limit. '' I called into the banking center and spoke with XXXX XXXX to request a stop payment on a ACH for a against XXXX XXXX  on XX/XX/2018  @ XXXX XXXX CST in the amount of {$1800.00} because I knew the payment would not go thru on my debit card because of the amount. But the telephone bank representative submitted my request against my debit card instead and as a result the payment was processed and posted. I spoke with " XXXX '' a manager from the escalations dept. and he confirmed that the bank representative processed my request " incorrectly. '' The tone of the manager, lead me to believe that this error would be corrected and the funds put back into my account. 
The Circumstance for the stop payment is to help with an " serious '' medical condition with my father who is currently sick and requires special medical treatment. 
I explained this XXXX who was very " empathetic '', which made feel like the bank truly cared and everything was going to be okay. 
But when I called back a couple of days later to check the status of the issue, I was transferred to the Customer Care Business Office and spoke with " XXXX XXXX '' who was very " rude '', her tone was " appalling '', and her attitude was as if she could " care less '' about my entire situation. 
Now Wells Fargo non-apologetically, refuses to refund and/or make right their mistake and I've now experienced a financial hardship due to the mishandling of my request. 
I believe the Wells Fargo " misrepresented '' the core of their vision, by violating the " Error and Omissions '' as well as the " Business Practice Ethics '' ultimately failing the customer.

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 2018-10-18 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
In XX/XX/XXXX we purchased a XXXX XXXX. On XX/XX/XXXX the XXXX was totaled in a car accident. Our insurance, XXXX XXXX, paid XXXX XXXX XXXX via check. We were under the impression that the GAP insurance we received from XXXX would cover the additional amount - because that is what GAP does. XX/XX/XXXX, we were notified that we were given inadequate GAP insurance and still owed to XXXX. This means that it had been over 60 days since our last payment which was made in XX/XX/XXXX - I must also add that we paid in XXXX because we were told it would count against us but that we would not have to pay after while GAP was being sorted. We begin our payments - always over the phone via debit - because they shut our online account down. We had paid on time leading up to the accident, always online. We never received communication from XXXX XXXX XXXX in regards to what was owed until the payment was late by months - we were always unaware of what was left owed and would make payments when we were called. If I must add we were also in poverty at this time. 

From XX/XX/XXXX-XX/XX/XXXX we were consistently listed as current and on time with XXXX XXXX XXXX. In XX/XX/XXXX I realized that they were still on our credit although we had fully paid them off. I disputed this. Unbeknownst to me, XXXX then maliciously put us in " Charge Off '' status from XX/XX/XXXX-XX/XX/XXXX. This obliterated my credit score and ruined my chance of getting a mortgage. A company that has always put us as " on-time '' has ruined our credit after being paid. 

To top it off, in XX/XX/XXXX XXXX also approved us for a car loan at {$32000.00} price. We ended up going with another car, but for someone in " charge off '' status - a {$32000.00} loan seems odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
This is the first time that I have received anything from Cavalry SPV I , LLC. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

Cavalry SPV I , LLC has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
paid for services i discontinue transunion is still taking money out of my account regions not letting me login and remove the inaccurate charge from transunion

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