vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed multiple problems with my credit report multiple times with this bureau by certified mail. They responded that the information was verified as accurate. I find this very hard to believe considering that I am sure it is inaccurate. I then requested method verification according to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also used certified male for this request. This was approximately 30 days ago. I have kept all certified mail receipts and am able to provide them. This bureau has still not provide any proof of verification to me. The information remains inaccurate on my report and is effecting my life very negatively. Due to their failure to provide the method of verification as required I am requesting the information to be deleted promptly.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I referred a friend to apply for an Amex credit card on XX/XX/2019, through my Amex Gold referral link ( one of the three ways Amex provides for referral a friend ). I supposed to get XXXX Memebership Rewards after my friend got approval. He applied the XXXX XXXX card and got an instant approval [ Note that Amex now allows cross referral, that is, I can use gold card to refer other Amex cards ). However, after more than two months of waiting, and three long calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), they declined to give me the referral bonus, quoting " You are not following the email referral process '' and questioned that anyone can claim they referred someone, even if I pointed out to them who I referred and his approval date. 

More importantly, I clearly pointed out two critical facts as described below : - I shared the referral link with my friend, which is one of Amex 's official methods. [ referral through email is not the only way : they claim that I didn't follow the referral through email ]. 

- My friend clicked the shared referral link, and a window pop up stating that You are referred! [ My name ] has referred you for the XXXX XXXX American Express XXXX XXXX. Your friend will receive a referral bonus if you are approved. '' He clicked the continue button, and got instant approval. 

If as the representative described ( I stepped away from their referral process ), how come my friend can still see the above sentences? The sentences confirmed to my friend that I will get the bonus. In any case, if I stepped away from the referral process, my friend should not receive such information, as it is misleading and false information. 
My friend wouldn't have continued the application process, if the window didn't show up. 

I am so disappointed with Amex 's customer services, as the supervisor over the phone can't answer my questions regarding their arguments, but she still claim whatever she said.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Hi i'm missing a XXXX $ sign up bonus with my account for having 2 direct deposits of 500 $ or more and 10 debit card purchases from my account in the first 90 days.

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Services have been calling me using automated dial services. They show on my caller ID as " Portfoliorecov ''. When I answer there is no human on the other end of the call. The calls are from a prerecorded line. They never leave a voice message as to what the call is regarding. When I attempt to call the numbers back, it just rings and rings with no answer or goes to an automated service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed XXXX/XXXX account on my report for several years. This account had a verbal agreement since XX/XX/XXXX. I paid {$100.00} per month for 9 months as a settlement on this account. I sent over the documents to the credit bureau several times but they said it is being reported as accurate. They say I still owe money and they did not report the {$900.00} settlement. I dispute this every month. XXXX has deleted this account from my report but Transunion did not. I made my last {$100.00} payment in XX/XX/XXXX and XXXX did not report this. I sent the statements from XXXX XXXX to prove I paid this and Transunion did not remove this.

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Contacting family members, friends, and roommates one after another telling them about my personal financial situation and over sharing private information about my address and balances. DISGUSTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed multiple problems with my credit report multiple times with this bureau by certified mail. They responded that the information was verified as accurate. I find this very hard to believe considering that I am sure it is inaccurate. I then requested method verification according to FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also used certified male for this request. This was approximately 30 days ago. I have kept all certified mail receipts and am able to provide them. This bureau has still not provide any proof of verification to me. The information remains inaccurate on my report and is effecting my life very negatively. Due to their failure to provide the method of verification as required I am requesting the information to be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Consumer Protection Bureau and Chase Mortgage XX/XX/XXXX As of XX/XX/XXXX Chase Mortgage refused my monthly payment {$4000.00} per month due to chase claiming that I should be paying property taxes {$1300.00} based on incorrect value. 
I was told by Chase representative if I can not make monthly payment {$4300.00}. XXXX. 
Chase will no longer accept the payment. It is unfair practice of debt collection by chase bank. 
I have called Chase and spoke to the representative and disclose to them that my taxes are not correct and the representative told me she can not help me in this matter. My last conversation with the representative regarding my taxes was XXXX XXXX. 
( SORRY CAN '' T HELP YOU ) I have been with Chase Bank since XXXX I have always been mistreated and misinformed about a lot of information that I will share with my attorney. 

I have a Notice from Chase Mortgage that they will foreclose on me starting XXXX XXXX. 

I am sending you a copy Of Notice that I received from XXXX County only 15 days ago and the decreased decision dated XX/XX/XXXX. like I said as of XX/XX/XXXX I am sending you chase monthly statements that clearly says that they did not make the correction to my taxes and forcing me to foreclosure. Because of Chase irresponsible action which includ unfair debt collection I have suffered financially, emotionally I can not function on daily basis fear of wrongful foreclosure. 

As evidence I am providing you with the following documents 1.copy of decreased adjustment event XXXX XX/XX/XXXX two pages 2. intent to foreclose on my property which is my primary resident instead of fixing the problem pages statements from Chase that clearly shows they are still unfairly trying to collect the wrong amount of impounds from me that took me to wrongful foreclosure 3.Escrow analysis that clearly shows but Chase has been paying the wrong amount to XXXX County and not making the correction the way they were supposed to based on the time I received it from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN

Complaint narrative:
Occurrence Date : XX/XX/2019 Amount : {$130.00} ( approx ) Debt Collector : I Q Data International Inc Received call from Debt Collector. The conversation turned to harassment, they kept stating that I was unwilling or reluctant to pay the amount, and I said " no '' that is not the case, but I am disputing the amount ( charges ), but they kept insisting that I pay now to avoid being reported to Credit Reporting, so had to provide Credit Card now. 
This was first contact by them, so I had no idea as to their validity nor did they disclose the fact that I had rights to dispute the charges, as stated below : " Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. '' They were threatening to go to Credit Reporting without sending any written notices or allowing me the chance to dispute ( 30 ) days, so again felt I as being harassed and undue pressure to force payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was in the process of taking the correct steps to improve my credit score from the mid 600 's to over 700. One thing they tell you to do to improve the score is to make sure you balance on all cards are less than 50 % of the credit limit. In XX/XX/2019 I took these steps to pay down a couple of my Citi cards. After payment my balance would be about 40 % of my credit limit. Right after I made these payments, Citi card sent me a letter lowering my credit limit. Once they lowered my limit I was right back to being over 90 % used of my credit balance. With this being done it is like swimming upstream and I would never get anywhere unless I paid the balance in full. 
This seems like it is very unfair to the consumer. I am never late and was trying to better my score, only to be made worse.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Ive been a customer for several years & I've always paid on time & the full balance. Well for the past few months they have been charging me interest on something that has already been paid for. I talked to a rep & they couldnt figure it out to explain it to me but they know theres a problem. I closed the account cause I dont trust them anymore. It goes back to XX/XX/2018 till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Hello and thank you for taking the time to read and address my concern : I was included in a Financial Institution and Credit Bureau Breaches, and have asked LVNV Funding LLC to provide the following : To provide an Original Contract Signed by me, to show proof that I authorized them to utilize any of my personal information. 

I have written to the company address provided on my credit report SEVERAL Times. 

They have a PO Box Address?? so I wrote to LVNV Funding, C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX I need to know if this is even a licensed company?? and if they have the authorization to utilize my personal information. 

I am very concerned, as I do not know this company and have not authorized anyone to utilize my personal information.I wish no further contact and have requested expeditious removal of this debt. 

As a Consumer under the Fair Debt Collection Act, I have a right to the know how and why they are using my personal information, and again I did not AUTHORIZE! I have been involved in breeches and this is of utmost concern. If they can not provide an original contract signed by me, I want these accounts removed, as they appear negatively on my credit report as Open Accounts!

Two Collections are on my report as Open one for {$1300.00} and another Open one for {$1000.00} dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I wasnt receiving the compensation that I deserved nor did the company care to listen. Also, there was defamation along with discrimination going on at the company every step of the way. They also took it outside the company because I was having issues trying to get employment. I believe that I should have at {$50000.00} in my checking account right now.

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 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I called Waypoint today and we found out that the on the account is not mine but the social security number. It appears that someone as used my number and the address is also different. The number for Waypoint is XXXX XXXX XXXX. They never contacted me because they had no way to do so, but to add it to the social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I recieved a notice in the mail dated XX/XX/2019 stating that an application for WAGE GARNISHMENT is being filed against me by XXXX XXXX XXXX XXXX on behalf of CREDIT CORP SOLUTIONS. I have no knowledge of what this is in reference to and I was never given notice to appear in court or that there was a judgement against me.This appears to be very shady and deceptive as the letter is dated  XX/XX/2019 and I recieved it well after that date with notice that if I don't reply within 10 days of the date the court will issue a wage execution against me.There is no mention of what it's for, how much it's for, or no relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I HAVE AN ADJUSTABLE LOAN SINCE THE DEATH OF MY HUSBAND. ORIGINALLY IT WAS A LINE OF CREDIT WITH MY HUSBANDS EMPLOYER XXXX XXXX XXXX. WHEN HE DIED THEY CONVERTED IT TO A LOAN WITH THEIR LENDER WHO LATER BECAME PHH MORTGAGE SERVICES ... THEY WERE RECENTLY SUED FOR XXXX XXXX FOR ILLEGAL PRACTICES. I FOUND OUT RECENTLY THEY WERE BOUGHT OUT BY XXXX XXXX XXXX, WHO HAVE BEEN SENDING ME PREDATORY COMMUNICATIONS. WHEN I CONTACTED THEM THEY SAID THEY DID NOT SEND ME THAT OFFER IT CAME FROM THEIR AFFILIATES - ON PHH LETTERHEAD -  MY LOAN ADJUSTS ON XX/XX/XXXX ANNUALLY. I CALLED THEM AND SPOKE TO A RESOLUTION TEAM MANAGER - HE TOLD ME THEY WOULD NOT HAVE THE NEW RATE UNTIL XX/XX/XXXX THE LAST ADJUSTMENT OF THE YEAR BY THE FEDS. BUT YESTERDAY THEY SENT ME AN ADJUSTMENT THAT WAS NOT AS DISCUSSED AND DID NOT WAIT FOR THE DEADLINE NOR MATCH WHAT I WAS TOLD [ 3.125 RATE 2 POINT ADJUSTMENT WHICH THEY HAVE DONE IN THE PAST WHEN IT WENT UP. I TRIED TO CALL THE NUMBER ON THE PAPERWORK BUT IT SAID AT XXXX XXXX ON A tUESDAY THAT THEY HAD NO AGENTS AND I COULD NOT LEAVE A MESSAGE EITHER? I HAD A NUMBER FROM LAST MONTH AND TRIED IT BUT IT SAID IT WAS DISCONNECTED. LEAVING ONLY THE WEBSITE. I REPORTED THEM TO AZAG, GOV AND NOW TO YOU THEY ARE ACTING IN BAD FAITH AND LYING PLUS BEING UNREACHABLE TO CUSTOMERS ALREADY STUCK WITH THEM. PLEASE HELP AN ELDERLY WIDOW WHO IS XXXX GET INTO A REASONABLE LOAN!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
The dispute was updated with the same information as before.

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 2019-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital 1 bank had an offer " Deposit {$50000.00} or more to a new Capital 1 365 money market account and maintain at least {$50000.00} daily balance for 90 days to get {$500.00} bonus '' last summer. I opened an account online on XX/XX/19 and transferred {$50000.00} from my external bank to Capital 1 bank on XX/XX/19. I kept my daily balance above {$50000.00} until XX/XX/19. On XX/XX/19, I transferred some money out. I thought I already passed 90 day requirement. In XX/XX/XXXX., I contacted Capital 1 to check the bonus status. Surprisingly I was told that I was 1 day short of requirement. Based on their explanation, I have to deposit within 10 days of account opening. Then I have to maintain a daily balance of {$50000.00} or more for 90 days following the initial funding period, which is 10 days. So even I have kept my daily balance above {$50000.00} longer than 90 days, I am not qualified for {$500.00} bonus. I went back to read the fine print carefully for this promotion. It states that " Deposit {$50000.00} or more of new money from an external bank within the first 10 days of account opening. You will earn the {$500.00} bonus once youve maintained a daily balance of {$50000.00} or more for the first 90 days following the Initial Funding Period ''. It did not clearly and specifically pointed out that the initial funding period is TEN days, regardless when you funded account after opening it. I thought funding period referred to the time between opening account and funding account, as long as it is no more than 10 days. If I funded my new account on the 10th day of account opening and kept the daily minimum balance requirement for 90 days, I would have qualified for the bonus. In my case, I funded my new account on the 3rd day of account opening and kept the daily minimum balance requirement for 97 days, I am not qualified for bonus. The fine print words are very ambiguous and confusing. If it made it clear at the first place, I would have kept {$50000.00} for longer time. I hope Capital 1 Bank can reconsider my case and issue the bonus that I deserve. Thank you very much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: MARINER FINANCE, LLC
State: GA

Complaint narrative:
On XX/XX/2019 and XX/XX/2019 My credit report was obtained, ( 2 hard inquires ) without my consent.

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