vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, XXXX XXXX   switched their back office company from Loan Care LLC to XXXX XXXX XXXX XXXX. My mortgage was being paid bi-monthly through XXXX XXXX XXXX was supposed to cancel their payments to Loan Care ( they did forward XX/XX/XXXXand XX/XX/XXXX payments to XXXX. ) I established a new XXXX XXXX to XXXX XXXX. XXXX never canceled the first account. I noticed the double payments in about XX/XX/XXXX or XX/XX/XXXX. I started calling XXXX, Loan Care and XXXX trying to locate the excess money. All three companies denied having my money and XXXX  denied withdrawing it. I called my Financial company XXXX XXXX   and they told me I had to stop the company making the withdrawals. I was stuck fighting 4 large financial institutions who were not helping me. I eventually got XXXX  to stop the withdrawals ( I lied and claimed fraud. ) I finally spoke to a helpful gentleman at XXXX and he sent me printouts showing XXXX   forwarding payments to Loan Care. On XX/XX/XXXXI sent a registered letter to them ( received XX/XX/XXXX ) explaining the situation and showing the proof from XXXX. I asked for them to either return the money ( now {$23000.00} ) to me or show me proof of the money being forwarded to XXXX XXXX.

OnXX/XX/XXXX, I spoke to XXXX  (? ) who told me they never received the letter despite my proof from the Post office. I sent the letter, XXXX   printout and proof of delivery by email and I received a response email confirming receipt and issuing a ticket number XXXX. I again waited for a response.

OnXX/XX/XXXX I received an email requesting proof from XXXX XXXX This is despite the fact that I sent that info registered mail XX/XX/XXXX and emailed it again on XX/XX/XXXX with a confirmation email receipt. I sent it again and awaited a response.

On or around XX/XX/XXXX, I spoke to XXXX who seemed sympathetic and claimed to be working with a manager. I begged her to call me by XX/XX/XXXX and at least give me an update if not the answer. Of course she hasn't called me back yet.

On XX/XX/XXXX, I spoke to XXXX XXXX   who claimed to be a supervisor. Again, I begged her to call me by XX/XX/XXXX to at least give me an update and keep me in the loop. She never called even when I left messages on her personal number.

On XX/XX/XXXX I sent a letter to the CEO XXXX XXXX  overnight which was received XX/XX/XXXX. Again I begged him to please have someone contact me before I took regulatory as well as legal action. To this date, which is almost 5 months later, no one has responded to my issues. My understanding was they had 30 days to respond.

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 2018-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: OH

Complaint narrative:
I was told in the past that I would have a 10 day grace period when making a payment on my credit line. 

Please don't tell me I have a grace period when in fact I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
XXXX XXXX refunded money to my checking account at Wells Fargo. I checked my account and {$5000.00} instead of {$500.00} was deposited. I was told to get XXXX XXXX gift cards to refund them their money, I did.These transactions continued because they claim mistakes were made in removing viruses. On XX/XX/XXXX deposits were posted of {$4000.00}, {$5000.00}, {$35000.00}, {$5000.00}. Of the online transfers {$4000.00} came from my savings account. I was not aware that these transfers were from my accounts I thought it was from XXXX XXXX because they told me when they made the transfers and I did check my checking account to see if the money was there. I went to the branch and withdrew {$5000.00} twice to purchase gift cards to give XXXX XXXX the numbers from the cards of which I do have in my possession. XX/XX/XXXX I discovered {$4000.00} missing from savings, I immediately went to a Wells Fargo branch and discovered these transactions and filed a fraud report. I was told that since I withdrew the money from my checking there in nothing Wells Fargo can do and the investigation is finished. Wells has ongoing account monitoring and if an online transaction looks suspicious it will be denied. I have never transfered money from my credit card to checking and I have only transfered money from savings to checking twice in the sum of {$300.00} each time. I feel as if these transactions should have been suspicious and denied by Wells Fargo. I could have just purchased the gift cards with my credit card and avoided the transfer fees if I was using my own money.

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 2018-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
RECEIVED NOTIFICATION OF CHANGE OF ADDRESS AND CONTACTED XXXX XXXX ACCOUNTS TO INFORM CHASE THAT I DID NOT REQUEST THIS ACTION, CHASE OPERATOR WOULD NOT TAKE ANY ACTION AS I COULD NOT VERIFY MY ADDRESS, AS THE PERSON COMMITTING THE FRAUD HAD CHANGED THE ADDRESS ALREADY, ASKED FOR SUPERVISOR TO TRY OTHER VERIFICATION METHODS AND WAS INFORMED THE ADDRESS WAS THE ONLY WAY. ( AFTER SEVERAL PHONE CALLS AND ATTEMPTS MADE ) EXPLAINED I AM BASED XXXX WHERE THERE IS NO CHASE BANK OUTLETS. 
CONTACTED THE BRANCH IN XXXX ARIZONA TO EXPLAIN THE SITUATION AND ASK FOR A. BALANCE ON MY ACCOUNT, WAS ADVISED THAT ALMOST XXXX, XXXX HAD BEEN STOLEN.WAS TRANSFERRED TO CLAIMS DEPARTMENT AND SPOKE TO LADY EXPLAINING THE SITUATION ( XX/XX/XXXX ) WAS ADVISED THE ACCOUNT WOULD BE RESTRICTED AND THE CARD STOPPED.PROCEEDED WITH CLAIMS. 
CONTACTED CHASE IN XX/XX/XXXX TO FOLLOW UP ON CLAIMS AND WAS ADVISED THAT THE BALANCE OF THE FUNDS WAS WITHDRAWN! HOW? I REQUESTED THE ACCOUNT TO BE RESTRICTED AND CARD STOPPED YET BALANCE OF FUNDS STOLEN!!! TOTAL FUNDS STOLEN {$27000.00} XXXX XXXX XXXX XXXX AND XXXX DOLLARS AND XXXX CENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX repeatedly calls my cell phone to collect a debt that I do not believe I owe. 
They also send constant mail. Supposedly this debt is from XXXX and was over 7 years ago. 
I have repeatedly told them it is not my debt by they have not produced any evidence that I actually owe this. 
Today on XX/XX/2018, at XXXX from XXXX they called me again on my cell phone. 
When I told the gentleman on the phone this is not my debt he got loud and aggressive with me. In a tone that can be construed as yelling, he accused me of making false claims and told me that this remain on my credit. 
He was clearly trying to bully me in to paying money I don't believe I owe. 
I once again requested that the phone calls cease and informed them once again that this is a cell phone. 
He again said " Fine! This can just sit on your credit then! '' I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I went to go pay my Walmart credit card bill of XX/XX/XXXX a day early than what I was suppose to, when I went to make a payment instead of typing in the correct amount of {$1000.00} she typed in {$12000.00} which was NOT my payment, so I called my bank to cancel the check so they wouldn't take {$12000.00} out of my checking account. They said they would get it all cleared up well I called a few days later to see and they had not gotten it cleared at all, they told me my remaining balance was {$13000.00} dollars so on top of adding the difference between {$1000.00} and {$12000.00} they added a late charge for me not paying my bill on time when I tried to pay it early. It has been a month and nothing has been done but they told me they had lowered my credit limit and that this could effect my credit score. I just want them to accept my payment of what I owed and clear out the charges that THEY added to my card and they said that they only had one person who could fix it in the whole company.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A collection showed up on my credit report for XXXX XXXX XXXX, XXXX. in the amount of {$1000.00}. I sent a letter to the agency stating that the debt is not mine and requested them to remove from my report. I received a letter stating that the debt is mine with a vague statement but I have not opened an account with XXXX XXXX XXXX, XXXX. and the debt is not mine. This is the second account that has appeared on my credit that I did not open. I feel that this may be a result of my pending divorce and accounts are being opened without my permission. I have taken steps to put a fraud alert on my credit but this is showing from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AR

Complaint narrative:
I had a collection account with XXXX XXXX from an old XXXX XXXX bill I owed for. I called them to pay off the collection and they informed me that when it was paid in full, it would be removed from my credit reports. I made three payments to them in the amounts of {$81.00} each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay off the collection. I waited a little while and noticed it was taken off my XXXX, but it still shows on my XXXX XXXX report and with a {$240.00} open balance! I filed a dispute and they responded saying it was valid, although it isn't! I then called the company to try and fix the problem and they just kept transferring me to other people and then hung up on me. It still shows on my XXXX XXXX account as open with a balance and now I can't get a loan for a car because they won't fix it on their end!

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 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. Experian changed it to current never late, then Experian changed it back. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed back on my XXXX Credit Report today.

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 2018-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I opened a Delta Skymiles Credit Card with American Express in XX/XX/XXXX.  A promotion was offered of XXXX Skymiles upon using the credit card for {$1000.00} in purchases which was achieved in XX/XX/XXXX. 

It was discovered in XX/XX/XXXX that Am Exp issued a second Skymiles account for me ( in addition to one that Delta already issued ), and Am Exp merged the Skymiles account at the end of XXXX in order the the bonus of XXXX miles to be awarded properly. 

Am Exp is now telling me that I the problem getting the XXXX Skymiles is a problem with Delta, not with Am Exp. I can not get Delta on the phone ( over 2 hour wait for a call back, and they never call back ). It seems to me that if Am Exp is a partner with Delta, they should be able to work out whatever process issue they are  having to get the XXXX mile awarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've contacted Portfolio several time to provide me with charges made on the account showing a total of {$2400.00} They have only provided a statement balance but no charges showing being made on account being reported. I'm not aware of the charges and have now reported the charges as fraudulent charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
In reference to Complaint # XXXX and Wells Fargos response I STATE the following. 
I did contact the Relevant State Agencies, as referenced by Wells Fargo, but was told that the BANK DID NEVER TURN IN THE MONEY IN QUESTION. they urged me to forcefully demand it from Wells Fargo.

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 2018-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Good morning. We're coming to you, hoping that you can help us get our home loan modified. 

We have been dealing with Chase for more than a year now and as of recently - we have submitted documentation, for a modification and have been dealing with them asking for the same documents over and over again since XX/XX/XXXX of last year. 

We were assigned a single-point-of-contact AND someone in the escalation department - those individuals intentionally misguided us and, as a recent, we discovered LIED to us, with regards to the status of our request. 

We were initially told by XXXX XXXX that chase was not allowed to include my wife 's income as part of our household income, because this is an USDA loan. This is incorrect. Subsequently, Chase has changed their story and said that we COULD use her income, however, based on her current debt, Chase is only able to use {$250.00} of her {$850.00} of SSI income. 

To make matters even worse - for the last month, we've been told that we had a modification being reviewed ( all notes of contact and conversations attached ) on XX/XX/XXXX, we were informed that there is NO file being reviewed nothing has been reviewed, for the last month. I've also have attached a letter saying that they were reviewing our file and they should have an response by the XX/XX/XXXX. 

They've intentionally misled us and at this point we are considering retaining legal counsel and suing them. Please assist with this exclamation points bulshit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO APPROVED A MODIFICATION ON MY PROPERTY, I DID AGREE ON ALL NEW TERMS & CONDITIONS. A MOBIL NOTARY WAS ASSIGNED TO ME, TO NOTARIZE AND EXECUTED THE MODIFICATION ON XX/XX/2018. A FEW WEEKS AFTER ANOTHER MODIFICATION PACKAGE ARRIVED AT MY PROPERTY INCLUDING ADDITIONAL DOCUMENTS TO BE SIGN, IN FRONT OF A NOTARY AND RETURN. THIS NEW DOCUMENTS INCLUDED, A ASSIGNMENT OF RENT RIDER.I DID NOT SIGN THE NEW DOCUMENT BECAUSE WERE ADDED AFTER THE FACT, OF SIGNING ALL REQUIRED DOCUMENTS.ALSO THIS DOCUMENT BENEFITS THE BANK ONLY AND NOT MY SELF. THE WAY WELLS FARGO IS CONDUCTING BUSINESS CREATES A MISREPRESENTATION BY MAKING FALSE REPRESENTATION.BREACHING A CONTRACT BETWEEN CLIENT AND LENDER.THEY HAVE TO BE RESPONSIBLE FOR ANY MISTAKES MADE BY THEIR REPRESENTATIVES AND EMPLOYEES.

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 2018-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a notice from my XXXX XXXX XXXX XXXX XXXX reflecting an overdue balance for water and sewer charge of XXXX plus late charges of XXXX. I immediately called my mortgage company, AMERIHOME to find out what was the reason it was not paid in time despite my monthly escrow payment made on time. They were unable to give me a reason, I faxed then the notice for immediate action. Nothing happened, the agent I talked to just took note of my call and didn't escalate the case so on XX/XX/XXXX I received a 2nd notice with XXXX late charge. I called XXXX and faxed it for immediate payment and at this date all they tell me is that they are working on it ... ..This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: GA

Complaint narrative:
Received call from unknown debt collection agency on Wednesday XX/XX/XXXX at around XXXX XXXX  saying they are attorneys and going to take me to court for wage garnishment for account 6 years old. Employee was rude and unprofessional. Employee used abusive and threatening language.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need some help I disputed with Equifax a couple items that are inaccurate which are as follows XXXX XXXX XXXX XXXX medical debt for {$690.00} which is inaccurate I'm in the military and do not owe on any debt this is inaccurate and needs to be removed XXXX XXXX XXXXXXXX XXXX In XX/XX/XXXX and XX/XX/XXXX payments were on time, how was this information verified they can't pull up the data and verify nothing but account was paid off. Requesting these inaccurate remarks in the payment history be removed XXXX XXXX XXXX  XXXX XXXX is my current and active account and has always been paid on time I was not past 30 days late on XX/XX/XXXX and XX/XX/XXXX and if the information data is suppressed how can your agency verify this is accurate. Requesting removal of these two late payment remarks XXXX XXXX XXXX XXXX I do not agree my account was 90 days past due XX/XX/XXXX this is inaccurate information and needs to be removed I have attached a copy of your response so you can address

Company response to consumer: Closed with non-monetary relief