vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: NY

Complaint narrative:
MRS Associates contacted me claiming to represent XXXX. I immediately did three things. 

First, I disputed the debt. The claim is not valid. 

Second, I requested written verification of the debt. 

Third, I requested they NOT call me at my work. 

The person on the phone was pretty silent. I told them I understood my rights and I was exerted them. They hung up. They did NOT respond to me again. 

The SECOND CALL I stated again the same three statements. I dispute the debt as it is NOT valid, I require written verification and they are not to contact me at work. 

Today, XX/XX/XXXX, they called me a third time. I demanded a supervisor. They delayed and at first denied they had supervisors. Finally, I spoke to " XXXX XXXX '' XXXX XXXX 's conversation meandered and contradicted itself. I again stated that twice prior I had disputed this debt and had requested written verification. He fist claimed they had never contacted me before. I stated, regardless, I require written verification of the debt. HE REFUSED, claiming they had sent it prior. I stated the obvious. that first he claimed they had never contacted me, now he claimed they had verified. I stated I had never received written notification and I required it. He said he couldn't do that. I stated SIX TIMES that I required written verification. I asked him if he was refusing to provide it. He would not answer me. 

XXXX XXXX said there would be " legal consequences ''. I responded that I was aware of my rights under federal law and that he was required to provide me with written verification. He refused, this was the 7th time in the same conversation. I told him that they should not call me at work and that I was going to report them to the state attorney general and other offices. He hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I SENT LETTERS OFF XX/XX/XXXX AND STILL HAVE NOT GOTTEN A RESPONSE OR REMOVAL FROM EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28 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: CA

Complaint narrative:
I opened a prepaid secured credit card with Citibank in XX/XX/XXXX. It was for {$200.00}. After a year they upgraded my account and said they would send me a {$200.00} check. I never got the check. I called them several times and spoke to customer service representatives from XXXX who told me some of the most bizarre stories to explain why I haven't received my check. Well, after a few days of haggling their threads of nonsense, I was informed that the check would be issued 18 months after the account opened. ( Even though the account had been upgraded to unsecured. ) Okay. That's what the original agreement entailed so I was fine with that. Guess what? This is now month 18 and still no check. Today, the reps from XXXX said that my {$200.00} is now part of my credit line and that I would not be receiving my money since I have been specially selected for a non-payment promotional! UNBELIEVABLE!! The conversation was recorded today, XX/XX/XXXX, XXXX my time. This lft me with no choice but to close the account. I've wasted countless hours with their inept customer service and now I just want my money back minus the amount I have in the balance.

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 2019-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I bought a piece of jewelry from XXXX XXXX using their relationship with XXXX XXXX XXXX. This transaction totaled about $ XXXX and was made up of two different balance timelines ; one for about $ XXXX and another for $ XXXX. A return also occurred on one transaction that was removed from the balance. I paid off what I thought was the entire balance within the required time frame, but had miscalculated by a few thousand dollars because of the return. I was a few weeks over the line on this small remaining balance and was assessed a finance fee of XXXX on about a $ XXXX balance. Discussions to bring this to a reasonable conclusion failed terribly as they were unwilling to compromise. 

To make matters worse, they have assessed a late fee on a remaining balance of {$25.00} that I did not know about. Now they want {$56.00} in total. This was not a balance that I had financed with them but another fee. 

The just outcome would be a total return of the interest balance that was paid to them. I had made my payments in good faith and even paid the interest balance to make sure nothing ended up affecting my very good credit rating, however being so unreasonable with a credit report to threaten is a bully 's approach of doing business. 

I will not do business with them or anyone that they finance in the future unless this is resolved, and I will make sure other consumers know about it as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MO

Complaint narrative:
Debt verification letter sent XXXX. Response from debt collector, ERC, on XX/XX/28 and is just a bill. Nothing with my signature that verifies that this is my debt. Also the address listed on the bill is not my address nor have I lived in that 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 2019-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My client, XXXX XXXX XXXX sent me a {$38000.00} wire transfer into Wells Fargo Bank on XXXX XX/XX/2015. Wells Fargo claims they made a mistake and wire transferred my funds to XXXX XXXX XXXX. Wells Fargo banker XXXX was fired in the XXXX, Georgia branch for opening up unauthorized accounts. XXXX XXXX XXXX is claiming ( verbally ) that they never received the funds - - - I need them to put that in wiring and on signed letterhead and Wells Fargo says they will refund my money. 

Wells Fargo should refund my {$38000.00}. 

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 explanation
Consumer complaint received 2019-02-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to dispute two unauthorized charges I found on my credit card. 

It is unfortunate that I didn't find this charge until I am gathering information for my annual tax. 

The two charges are XX/XX/2018 XXXX XXXX  {$1500.00} XX/XX/2018 XXXX I didn't authorize for these two payments, so it is considered as fraud, but Chase bank refuses to process and dispute these two fraud payments for me. Please help me to look into this. 

thank you very much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting the mortgage as an individual account. The account is joint with my ex husband, I am not a veteran. He received the house in the divorce and is not making the payments. It appears that the house is only in my name and I am not a veteran, so there is no way I can get a VA loan. I have disputed this and XXXX XXXX XXXX will not listen. This is not on my ex credit at all. This has stopped from being able to get anything because no one believes anyone else is on the account. XXXX  XXXX XXXX is breaking reporting laws and I'm requesting this is deleted from my credit report. My ex has filed bankruptcy so my mortgage company says this other mortgage should not be reported at all. So they don't report the house I live in and pay the payments on time. So this one that shows only in my name not being paid on time looks doubly bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: UT

Complaint narrative:
XXXX XXXX is reporting a debt on my credit file that I do not owe. This debt was paid off a long time ago, and XXXX XXXX continues to be in violation of the FCRA Law Act for  reporting incorrect information. This debt is paid off and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company XXXX XXXX XXXX is continuously reporting on my credit profile with XXXX and XXXX. I have reached out to them continuously to have them send me a copy of any documents with my signature on it showing that I have contracted with them and owing them money. They have failed to do so. They are reporting illegally and not following the FCRA and the FDCPA. I contacted the original creditor and they have removed the account from my XXXX credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: UT

Complaint narrative:
IC Systems is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.

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 2019-02-28 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: CO

Complaint narrative:
Experian said that I did not answer their questions properly and they have no human phone number - everything is done through a robo phone - when I tried to unfreeze my credit information with their robo and website - they refused to help - I am trying to buy a house and the freeze they have on my account will not let them get my information. 

This started on XX/XX/XXXX2019 - I have called every number I could find and it always sends me to the robo help - they want me to send through the mail - a copy of my SScard - my ID/DL - bank statements - utility bills. 

This is NOT secure and they will not help in anyway- I found an email address XX/XX/XXXX19 and they refuse to respond. Even if they would let me email it to them or fax it - but I can not get any help!!!! No person to talk to - what do I do now and who can help 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 non-monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a collection debt on my account. I do not what this is for. I never received any phone calls or letters in the mail about this debt. I noticed it on my credit file and called them immediately to pay the debt. They are in violation of my 30 day right to dispute for putting this on my credit file.

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 2019-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
After reaching a payment agreement with XXXX XXXX XXXX, this company continued to report the acount 180 days late when the payment on the agreement were made on time during the months of XXXX, and XX/XX/XXXX and XXXX, XXXX, XXXX, XX/XX/XXXX. This wrong reporting is causing issues trying to refinance the mortgage on the loan to get better rates. They also are reporting a wrong balance in the loan that they have acknowledged is {$170000.00}. In my credit report is showing more than {$220000.00}. I have written many letters to them trying to resolve the issue and they stay doing nothing in this regards. I demand that the months previously referred need to shown as pay as agree to honored the enclosed payment agreement and a correct balance of {$170000.00} needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2018, I purchased {$320.00} USD of merchandise at XXXX XXXX XXXX XXXX XXXX in XXXX. My Chase credit card was swiped several times because the internet was not connecting. We didnt realize it but, both the swipe at XXXX, as well as the swipe at XXXX went through XXXX XXXX ( The vendors card reader ). I only signed ONCE for the XXXX swipe. 

When I first saw the charge in XXXX I called Chase. The customer service person told me that it was obviously a double charge and it would be removed from my bill. It was for about a month and then it reappeared. 

Both the manager XXXX XXXX and owner XXXX XXXX have contacted Chase in my behalf. On XX/XX/XXXX, XXXX and I conference called Chase. Customer service would not let us speak to anyone handling this dispute. The owner, XXXX, wrote to Chase ( XXXX ) saying I do not owe them money. I also included a copy of his letter in my correspondence ( XXXX XXXX ). I have written Chase ( XX/XX/XXXX, XXXX and XXXX ) and included email and XXXX correspondence from the vendor. I have called Chase countless times with frustrating results. 

I recently found out that the vendor was paid twice and returned one payment to XXXX  XXXX. This is now a matter between Chase and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: PA

Complaint narrative:
My mortgage is two months behind so to avoid going into foreclosure I sent out a XXXX dollar payment on XX/XX/XXXX to try to catch up. The mortgage payment was sent back to me on XX/XX/XXXX with an attached letter stating that my loan has been accelerated. I spoke with a Loss Mitigation representative on XX/XX/XXXX to discuss further options. While on the phone with the representative, I was informed of having to make two payments to prevent foreclosure. I informed the rep. that the XXXX was sent back and making two payments at this time would be difficult. Wanting to prevent foreclosure I asked the representative to note my account that I will call in to make two payments on XX/XX/XXXX. The rep states that I would need three payments if it went pass XXXX. I called in on XX/XX/XXXX at XXXX XXXX and waited on hold until XXXX XXXX  only to be told that the system is down and my payment can not be processed. At this point, I am unsure as to what to do. The rep told me to do a XXXX XXXX  but the system she transferred me to kept saying my account number does not exist. I am being forced into foreclosure at this point. I call again to see if the system is working and have been on hold for another hour. My loan is serviced through a subsidiary servicing company through XXXX XXXX. some of their tactics are unfair and forceful to get people to pay two payments. Although I am having a hardship it is unfair for this servicing company to force me into foreclosure. I truly believe that this company is purposefully not accepting payments to foreclose on the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 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: Home Loan Center, Inc.
State: AZ

Complaint narrative:
Contact with creditor suspected as a result of an inquiry via Lending Tree and not expressly authorized in view of the reason cited for adverse action had nothing to do with credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
XX/XX/2019 I applied for the XXXX  credit card in the Chase Credit Card website and be approved one month ago. I have yet received my credit card. I call the customer service of the Chase Credit Card company and they transfer my call to many many departments. The call lasted for almost one hour. But, none of them can answer why I can not get my card and how I can get my card. This severely influence my life because I was waiting for the card for emergent purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
XX/XX/XXXX, 2018-Called and spoke to customer service regarding PMI cancellation. I asked why PMI had not yet been cancelled. From what I understood, I had met the requirements. Young man was unsure why it had not been cancelled but agreed I had met the loan-to-value requirement. Offered to put in a request to cancel. I was instructed to call back after XX/XX/XXXX to ensure cancellation. 
XXXX XXXX-Since it was a Sunday, I submitted a request online to the Escrow Department for confirmation that my PMI had been cancelled. Other than an auto-response confirming receipt, I received no response. 
XXXX XXXX-I spoke on the phone with a customer service representative in the Escrow Department. I informed him that I had received a written notice that my mortgage insurance had been cancelled, but my account still showed disbursements occurring. He informed me that the PMI department did not take calls directly, but he would put in a request for them to reach out to me. I was informed that the projected completion date for my inquiry would be XX/XX/XXXX. I have not heard from the company since. I've been told that the PMI department does not speak to anyone directly when I've called customer service and no one can answer my question about why my PMI continued to be dispersed from my loan payments after it should have been cancelled. Each call to customer service requires a lengthy wait on hold just to speak to anyone.

Company response to consumer: Closed with explanation