vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 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: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
All of XX/XX/2018 I had not received a statement from XXXX XXXX XXXX XXXX regarding payment. I contacted the Management team informing them of the issue. They updated my contact information, removed the late charge from the account but would not remove the late with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account/routing # for my Chase account was comprised by a screenshot I had on my phone of that information + the exact amount that was in my account {$78.00}. I called Chase + explained it + asked them to close the account. This was Saturday. They said they couldnt do ANYTHING for me until the branch opened on Monday. {$75.00} then left my account via XXXX. I then called up again, explained agin what happened + how this was there fault for not being able to close accounts over the phone when asked. How could that be real? Anyway, I went into a branch, spent two hours with a manager filing a claim. I signed a paper + faxed it into fraud. He let me know that XXXX was backed by Chase + due to the nature of my claim ( as well as all the previous telephone conversations they must have of me ) that it would be 100 % reversed + put into my new account that I had to open! Now I am being told that XXXX rejected the claim as they do not provide buyer protection???? XXXX. Please help me. This is ridiculous! Its totally Chases fault too. They shouldnt have 100 % promised something if they knew that XXXX is trash, an actual scam in itself, and doesnt offer any type of buyer protection like XXXX does. I will never be using XXXX again, and very disgusted with Chase as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I received an email from TrueAccord on XX/XX/2018 about a XXXX account that they wanted me to pay. I replied back on XX/XX/2018 and I asked them to please Verify the alleged debt and they sent me some sort of billing statement on XX/XX/2018 instead. Can you please look into this for me? This does not verify anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
The story starts when I find a house and started an offer. I was already pre-approved for the loan with XXXX and locked in at 4.6 % for a 30 year loan, but wanted a little bit better interest rate. My realtor recommended XXXX XXXX for a speedy close. I contacted XXXX and told him all the details of the loan and house and he convinced me to go through the loan application process and would be able to for sure get me 4.2-4.3 % interest rate without points. Once all my financials were cleared with underwriting about 2 weeks from close he said that the interest rates had gone up and it would be 4.6 % for the loan and that he would check every day until close to try to lock me in at a lower rate. That never happened and about 1 week before close he send over loan documents and they had {$1900.00} in points listed. XXXX send me a screenshot of his computer saying those would be covered through lender credits, which he had gotten approval for that morning. I was told to sign them and he would fix it before close. He didn't, and I had to choose between closing on time or going to another lender and possibly losing the house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not unfreeze my account. i unlocked the account online but they do not provide access to my bank. I entered my credit card number info to pay the {$10.00} and was denied. it is so frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
This person from Diversified Consultants claimed that I owed about {$150.00} to XXXX. I don't have a XXXX Account. He claimed I had opened an account using my social security number and that if I don't pay the bill, that I don't owe, he said it would ruin my credit record. I have blocked the phone number from my cell phone. I called the number back and that is where I got the name " Diversified Consultants. '' The phone number is XXXX. I assume this is fraud and would like them stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX, I recently opened an account with Amex and I set up a direct deposit from my XXXX XXXX for it to be renewed at the start at every month. 

Then my best friend and his boyfriend moved in together and as a housewarming gift I gave them {$1800.00} on the card. He logged in the information to the XXXX XXXX Account but accidentally put in my nickname of XXXX instead of XXXX, or left out the middle initial. Anyway, the card blocked itself. 

After waiting collectively an hour trying to contact a real person to unblock it I got transferred to a call center in their XXXX, Arizona office. Once I let it slip out my mouth it was a housewarming/engagement present for a XXXX couple she said she had a bad connection despite calling me from a landline and I had to call back later, she said I refused to answer questions and I said I agreed to answer every question I was just giving context, she refused and said I called the wrong department but could she please transfer me to another colleague? She refused. I hung up. 

Twenty minutes later I called back on the other number and I was connected to the same lady. But this time it was her assistant, I was told after that she left for the day. By then I was infuriated I asked to be transfered to another person and if her personal life is clouding her professional judgement she shouldve transferred me when I asked. They tried to get me to talk to her again but I refused and said I would contact HR. 

Every email I tried to send and call I make goes unanswered to their head office. I even contacted the government agency and they wouldnt to do anything. 

This happened on the XX/XX/2018 I just want my card unblocked. I will cancel it on the next bill cycle its too much grief and I have wasted three days and five hours of my life. 

If you would help me with this I would be very grateful. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Hello I have been dealing with AMSHER COLL collection agency about a XXXX account I had a while back. After speaking on the phone they agreed on a recorded line to lower to {$1500.00} if I made payments I have made payments which I've been doing and I still see over {$4000.00} owed which is inaccurate. I tried calling there customer service team again and they said they had no idea what I'm talking about. I asked them to check there notes since I told them originally on the recorded line will this be on my notes and will you send to the creditors which they agreed the {$1500.00} would be plus whatever I paid each month taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, haven't received a copy of my credit report for nearly a decade. XXXX provided XXXX & XXXX  online with no problem. Despite all the correct information including SS # and answers to questions, repeatedly refuses to provide online report and imposing very unreasonable burden of filing request by mail. Many others are also complaining about the unavailability of their Equifax reports online as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I recently noticed a pattern of random accounts appearing in my debt collections on my credit report. I have had a number of accounts that appear to have a very similar sequence of a time frame in which they were established. I did not authorize nor do I have knowledge of how these accounts were opened without my consent. I am not sure of how someone could have obtained my personal information in order to conduct such activity. This appears to be a case of identity theft and I wish to address this matter immediately. The debt collection states on my credit report that the original creditor was XXXX but mind you I did not have service with that company during the time of this frivolous occurrence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello dear cfpb I have XXXX XXXX XXXX Credit Card over year and i called to get credit limit increase and my request was declined based on phony fact that i am not using my card. I can not use more then 20 % of my card limit because it will have negative effect on my credit since my card credit limit is only {$5000.00} which is laughable because my XXXX XXXX credit shows i have fico score XXXX and i have credit limit {$99.00} with other creditor. I really think it not fair to not be able to get higher credit limit because i have great credit both business ans personal and i very good income and business revenue. 

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC.
State: WA

Complaint narrative:
There was a fraud collection account from Virtuoso sourcing group that hurts my credit score. It claims that I have a missing payment of {$60.00} since a year ago. This was out of nowhere. I called them in early XX/XX/XXXX to remove the fraud account and issue a proof that this was not my account. They checked my ssn and name. They said there was no record me owing them money. However, when I requested a proof : there is no collection with my ssn, they refused and claimed no action they could do to help me. They asked me to " settle '' or more of " blackmail '' with a high payment price to clear it off my account. I refused because I never owe them anything at first place. I insisted and wanted to escalate the case to legal level. They claimed the cell signal was off, and hang up. It was the worst company and customer service I have ever dealt with. Someone needs to take some actions to stand for the justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: NC

Complaint narrative:
I have my checking account with Wells Fargo bank for about seventeen years, but I notice in the year XX/XX/XXXX that Wells Fargo had opened about four lines of credit on my name and only one of them had my consent. The problem started when the bank without authorization was doing automatic draft from my personal account and at the same time I was paying my obligation by check as a result the bank has an amount of {$45000.00} taken from my account between the years XX/XX/XXXX and XX/XX/XXXX.the reason because I am complaint at this time is because was to hard to get the bank information even though I visit the branch frequently and I have been in contact with personnel of the bank but I do not see the wiliness of Wells Fargo in dealing with the problem instead they address me to a third party that has nothing to do with the case. I am tired to visit Wells Fargo other locations with not result. in the present I do not have sufficient availability to hire a lawyer, I hope the laws and regulation to provide me protection on issues like the one I am facing 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 non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: HI

Complaint narrative:
Took out a payday-loan not knowing that it would cost 790.76 % from XXXX XXXX dba Rosebud Lending. I was already in a financial bind to begin with and did not realize what i signed up for until I went back on the website to read terms and agreement on the loan. I borrowed a total of {$300.00} on the loan in XX/XX/2018. So far i have paid to payment of {$180.00} first payment was on XX/XX/18 and next payment was on XX/XX/18. So far i paid a total of {$360.00} as of today. I have paid back the loan I borrowed plus additional {$64.00}. I did not realize that majority of the payment would go towards the interest/finance charge of 790.76 %. This is absurd. I am a struggling mother of XXXX kids barely getting buy to pay our rent so that i can have a roof over my kids head. I can't afford and continue to pay {$180.00} for another 9 months which in the end of my loan would cost me a total of {$1600.00} on a {$300.00} loan.I am requesting that you consider my loan agreement to be paid in full since you have already taken {$360.00} of my money. If I continue to pay I will not have enough funds to cover my rent. I am struggling now and can't afford to be kicked out of the apartment i am renting with my children. I tried to call and emailed several times and got nowhere with your company. I was also advised by the local attorney general office that XXXX XXXX is not licensed to do business in my state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: VA

Complaint narrative:
I have a mortgage with HarborOne Mortgage that includes a PMI. I met the loan to value requirement in XX/XX/2018. On XX/XX/2018 I sent them a letter asking that they remove the PMI. I paid extra on my principal to ensure i met the 80 % LTV. I did hear back from the company, so i emailed them on XX/XX/2018 with an inquiry about the status of my PMI. I received a bounce back response that they would investigate and get back to me in 5 business days. As of XX/XX/2018 i have not heard from the mortgage company. I have tried to call their office, but the number does not allow for access to a customer service representative. I emailed again this evening, but do not anticipate a response to my issue. The reference / ticket number they assigned is XXXX. 
I have been timely in my payments, never late, and the value of the property has increased. There is no reason that they do not cancel my PMI. Their website says the request needs to be made in writing, which I did on XX/XX/XXXX. 
Please help me get a response to this issue. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: CA

Complaint narrative:
This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my Experian credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
( 1 ) I have a XXXX XXXX card through Synchrony Bank in XXXX, FL. On 3 of the past 4 billing statements, there have been charges to XXXX XXXX totaling {$80.00}. I do not own, and have never owned, an XXXX, and I did not make these purchases. I have timely disputed every XXXX charge in writing, and, at Synchrony Bank 's request, I signed a fraud investigation form certifying that I neither made nor authorized the XXXX purchases. Today, I received a letter from Synchrony Bank advising me that I owe the XXXX charges, because I " released account information to a third party. '' The letter did not identify the third party to whom the bank erroneously claims I released my account information. ( 2 ) Also, I disputed other aspects of the charges to my account, and Synchrony Bank still has not addressed those disputes. ( 3 ) Synchrony Bank has been charging me monthly interest and late fees on disputed charges in violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: U.S. BANCORP
State: CA

Complaint narrative:
This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my XXXX credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10 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: MI

Complaint narrative:
Very similar to Case # XXXX but with different details of course. 
On XX/XX/XXXX I deposited a promotional offer check for {$7500.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$6000.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

On XX/XX/XXXX I deposited a promotional offer check for {$5300.00} with a 3 % fee and 0 % promotional APR expiring XX/XX/XXXX. 

So I had 3 promotional balances. The last one expired first. 

On XX/XX/XXXX, two days before the promotional APR balance of {$5400.00} was schedule to expire, I made a payment of {$5400.00}. That was meant to clear the balance that was to expire first. The payment was allocated to the promotional balance that was scheduled to expire on XX/XX/XXXX. 

The XXXX statement shows an {$88.00} interest charge on the balance that expired on XX/XX/XXXX amd no balance for the portion meant to expire on XX/XX/XXXX. 

I called Bank of America and their rep, XXXX, explained that their policy is to allocate the payment to the balance that started first, ( which still had two months left at 0 % ) and not to the balance that was expiring first ( which was in two days ). 

This is not explained anywhere on their offer. It also makes no sense. If I would have waited until the balance expired I assume it would have allocated correctly according to law. 

This was not acceptable. I asked to be called by a supervisor, but received no call as of yet. 
I have since scheduled a payment for the interest accruing balance, but do not know the final amount I will be charged.

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