vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: GA

Complaint narrative:
I would like to be refunded my {$480.00}. I filed a complaint due to negligence on this company before that their staff didnt move forward with a home loan, they pushed off Closing on a home several times with no legit reason. In XXXX XXXX, I was assured by the CEO that his Sales team had spoken with the listing agent and seller and everyone was on board about selling the home to me and that the lending team would be right on it to Close on the home. Sadly, another broken promise, I happen to be surfing the web XXXX XXXX/XXXX/XXXX & notice that the house was up For Sale. Very disturbing I reached out to the VP of Loan Sales and Loan Processor to inquire. The VP of Loan Sales said that he wasnt aware, & that I needed to reach out to the Realtor. Ironically, VP of Loan Sales XXXX mention to me that neither the Listing Agent, Seller, nor Realtor agreed to selling the home to me, even though for the past 20 days he and his Loan Processor have been requesting documents from me going back & forth of information they needed from me. XXXX XXXX, XXXX I emailed him to inquire if there was anything else needed for t set a Closing date XXXX. Loan Processor mention that when she return XXXX she get all my paperwork that I sent to her ( per her request ) on XXXX she would review when she returns from being away from the office. Just as a note, in the event they may say, that there is miscommunication between CEO and VP of Loan Sales, not true. I was informed that VP would be handling in place of the previous staff, to assist me in getting this carried out. The VP of Loan Sales emailed me XXXX that the seller nor the realtor didnt agree to re-write up the contract to sell the home to me. I find very strange why would they have me go through all of this in the first place then. I received word that the house was under contract with someone else XXXX by another realtor, and another listing agent. I was thoroughly misled. Truly bad business. This has been ongoing for some 7 months, I just would appreciate, since the last resolution per the company was to sell the home didnt come to pass, that refund is in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I was approved for a balance of {$12000.00} on a Chase Credit Card. I requested a balance transfer of {$12000.00}. I received an email asking if I requested a balance transfer of {$11000.00}. I replied " No '' as this was not the balance I requested. Chase now states that since I replied " No '' the balance transfer was cancelled. I explained to them that I answered their email correctly. I also received a letter from Chase stating " We transferred part of your balance '' and further " Amount we will transfer {$11000.00} ''. We were not contacted by Chase when the cancelled the transfer. Chase now states they can not transfer this amount do to their policies. The failure of chase to provide the service they had promised and approved has resulted in additional costs to us. We want to be compensated for our loss due to their " Bait and Switch '' tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: CITIBANK, N.A.
State: NM

Complaint narrative:
XXXX XXXX : Citibank alerted me via phone to possible fraudulent activity on my card. 

XXXX XXXX : Working with Citibank, I closed my credit card. 

XXXX XXXX : Citibank issued a new card on the account and sent it to an incorrect address, despite my speaking with 2 fraud department specialists and providing the correct mailing address. The representatives both said they were sending it XXXX to the address I requested ( which address is in my account records. ) XXXX XXXX : I notified Citibank via phone that they sent the card to one of my home addresses where I would not be present until a month from this date. 

XXXX XXXX : I was able to have a neighbor retrieve the XXXX envelope and put it inside my home for safe-keeping. 

XXXX XXXX : Citibank arbitrarily locked me out of my account ( I have 3 credit cards with them and a website that I have used for many years to get paperless statements and pay my bills ( which are on autopay, I pay my balances timely every month ) ). 

XXXX XXXX : After much time spent on the phone with Citibank, my web account was unlocked and I could access it. No reason was provided why Citibank had locked me out. My password and user name were/are correct. 

XXXX XXXX : I receive a statement notice ( for XXXX XXXX billing cycle ) on the closed card via an email. There was a very large balance due. 

XXXX XXXX : When I try to access my paperless statement for both the closed card number and under the new card number, the website says I am not permitted to see the statement. 

XXXX XXXX : After numerous phone calls and online chat, the issue is not resolved. I can not see my bill or my transactions. 

XXXX XXXX : I request a paper bill, and Citibank insists on sending it to an address on my account where I am not present. 

Note : I have two physical addresses listed on my account, and have had these two addresses since XXXX. I live physically in two different places during different times of the year. 

Note : I have provided all the security information needed. 

Note : These are mature accounts that are paid in full timely every billing cycle. 

Note : My credit card was not lost or stolen. 

Note : I take strict means to protect my identity and online billing information. 

Note : In my opinion, this problem ( Citibank 's failure to provide me with an accounting of charges during a period of fraudulent activity ) is due to customer service representatives following a script that is not able to respond to specific situations. 

Note : It seems wrong to require payment for services and goods without providing a timely and accurate accounting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Phone Numbers listed are not my phone numbers nor do I no how they was obtain. 

Numbers showing are not right I have sent a copy of phone numbers that belong to me. It makes no sense that all these numbers on my credit file. I do n't own no toll free numbers as transunion is showing. 

I 'm filing with the FTC as well to the issues with Transunion on this problem. I have listed my numbers and numbers that have belong to me in the last 3 years the rest are not my numbers. 
I need proof from trans union to prove the numbers belong to me in my name. I need proof from what ever phone company that Transunion is showing on my credit file that it belongs to me. 

I have a copy uploaded to XXXX from the phone company bill. Transunion has XXXX that is not my phone number.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: FL

Complaint narrative:
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to transunion and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and transunion has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: LA

Complaint narrative:
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data- such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULITPLE MONTHS IN A TOW WHEN AN ACCOUNT CAN OHNLU FO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECITON EACH MONTHYOU HAVE REPORTED THESE ACCOUNT INACCURATLEU LONG ENOUGHREAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY.. SO DELETE THESE ACCOUNTS NOW!!!!!! PLEASE!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I noticed a collection on my credit report when I pulled my annual free reports. I have never heard of this company, and never received any documents from them regarding this debt. I started working with XXXX XXXX XXXX to get to the root of it. They informed me that they werent able to resolve it. I sent a dispute to XXXX because I never got this account validated, which is what XXXX XXXX was trying to do. I simply asked for a copy of the agreement authorizing them to collect the alleged debt, something with my signature promising to pay the creditor, and a complete payment history to prove that the debt they were trying to collect was legit. XXXX conclude their investigation with it being verified, I dont how they verified it, because I never received any of the things that was requested. 
The name of the collection company is Portfolio Recovery Associates : Address ID : XXXX Date opened : XX/XX/XXXX ( I didnt open any acts in XX/XX/XXXX ) Terms : 1 month First reported : XX/XX/XXXX ( It just appeared, never knew about it I pulled my report ) Recent Balance : {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ERO LENDING,LLC
State: TX

Complaint narrative:
I followed up on a lead from ERO lending XXXX an originator ) to purchase my condo. Due to their lack of performance I lost {$3000.00} in fees and earnest money. In addition, I was told to complete a homeowner online class that spanned 6 hours, and urged to pay {$150.00}. for completion of a condo association form. They were very resistance to communication and lacked knowledge in answering questions about underwriter requests. I was frequently put off when I called and so was the agent. Much of the info turned in was apparently lost as it was requested multiple times delaying the readiness to the approaching closing date. The service was slow, tacky and sloppy and required 3 extensions, much of which was used up in underwriting due to their lack of ACCURACY, EXPERIENCE and KNOWLEDGE. See the attachment emails form ERO that was requested by the Lender 's underwriter. Item # 5 calls for multiple corrections on the part of ERO and their referred agent. I called the 5 % change to his attention via text early after the error was noticed, but he was resistant to change it. The Lenders underwriter requested all of these items to be corrected on XX/XX/XXXX, just 3 days before my supposed XX/XX/XXXX closing. Fact is, these errors should have all been caught before they submitted the documents. I have seen complaints online about this company dealing treacherously with prospective buyers by slow performance in working their loans. Perhaps the commissions were far less when buying a condo valued at only 70,000. Surely more time was spent on home applications of far greater value. So, this is not a new situation for ERO. I want this experience published to serve as a warning to buyers and sellers. I wonder how this guy sleeps at night. Does he even realize that XXXX is watching him? By making this publish knowledge, others will be spared the agony of his actions and the lost of their hopes and savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I opened this account in XXXX through Wells Fargo. It was for XXXX XXXX XXXX XXXX XXXX only. I made my purchases with this card at XXXX for home improvement. At the beginning of XX/XX/XXXX I paid off my credit card with check # XXXX which cleared the bank on XX/XX/XXXX. Shortly thereafter I received a new credit card from Wells Fargo stating the account would now be a XXXX credit card instead of just a card for home improvement through XXXX. On XX/XX/XXXX, I sent a letter to Wells Fargo advising my account was now paid in full and I wanted this account closed at consumers request immediately. On XX/XX/XXXX, I received a " Notice of Right to Cure Default '' from Wells Fargo.I contacted them immediately to find out what was going on. Wells Fargo never closed this account after I requested that by mail in XX/XX/XXXX Someone was able to gain access to this account and used the XXXX credit card number to make unauthorized purchases from XX/XX/XXXX through XX/XX/XXXX.They maxed out the credit card and changed the account to paperless billing so I would n't see it. Formal dispute letters were sent to Wells Fargo and the three credit reporting agencies. Finally on XX/XX/XXXX Wells Fargo completed their investigation and confirmed the charges were fraudulent and unauthorized. Their letter of XX/XX/XXXX states " ... we have closed your account, and instructed the consumer reporting agencies to remove this account from your credit file. '' They never removed the negative reporting and when I went to apply for a credit card I was declined due to late payments reported by Wells Fargo. I have been trying to get them to remove the late payments on my credit reports since XX/XX/XXXX! I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX! They tell me it will be corrected and yet it still remains on all three of my credit reports. I need someone to please help me in getting this negative reporting removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-09 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: Riverwalk Financial Corporation
State: LA

Complaint narrative:
My name is XXXX XXXX. I have never been married and never have legally changed my name. I was born on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I submitted an official dispute with XXXX XXXX for reasons including possible fraud/i.d theft. I also sent the management company a letter asking to provide me with any proof or information that would help delete the incorrect info on my credit profile. XXXX XXXX or company have yet to resolve or provide any info regarding this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: RI

Complaint narrative:
Diversified Adjustment is reported on my credit report and amount is for {$3200.00}. I sent Diversified Adjustment a debt validation on XXXX XXXX  2017 and Diversified Adjustment has not responded

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is Pinnacle Credit Services. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more

Company response to consumer: Closed with explanation