vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Check Recovery Group
State: GA

Complaint narrative:
On many occasions I have received calls from CRG ( XXXX ) threatening to garnish my wages for a debt. They have numberous voice messages on my cell phone and even left messages or has spoken with my family members and threatened them as well. The most recent voice messages was left on my work voice mail. I returned to call the and spoke with XXXX and she stated that she was working as a mediator for this company and she was trying to help me get this matter resolved before she processes paperwork for garnishment and someone would be delivering warrants to my address. I have check all three credit reporting agencies and I do not have any outstanding debt owed to any company. I have checked with several of the local court systems and they do not have any opened citations related to my name. How do I get these messages ( threats ) to stop?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is.

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 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have no idea what this hard inquiry was as I started looking at my credit report I saw this and didn't authorize this nor do I know what it is. This inquiry was made on XXXX2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
Two to three months ago I contacted PennyMac to inform them that my income decreased and I would not be able to make a payment ( before the payment was due ), this is where is conflicting of information started. One representative told me I would have to be atleast 10 payments behind for any foreclosure procedures to start so I should be fine ( that sounded odd to me ). I called back a week later when I received an automated call from PennyMac, I spoke with a rep whom stated I would be mailed a mod packet. I was denied for the modification, we are now into the next month and I make a payment ( still one payment behind ). 

The mod rep calls me to let me know I am denied, I ask if there are any other payment options and she tells me to wait until collections commence ( which will happen after the mod denial ). I get another automated call and I call back the next rep I spoke to tells me I am eligible for forbearance, I told her no one contacted me and told me that so how was I supposed to know? She said if I accept the forbearance she would update my account and someone from PennyMac would call me in 3 business days. I am still wondering how was I to know about the forbearance if no one called, if I did not call I wouldn't have known. 

Three business days go by no call. I call PennyMac again, a rep then tells me someone should be calling me in 3-5 business. Five business days go by and no one calls. I call back to speak to a rep and she says a mod packet has been mailed to you???? A mod packet I ask, I am waiting for a call regarding something different. I don't tell her it for forbearance but I did ask her to review notes on my account and tell me what has been documented from the last 3 times I called. She said she didn't see anything noted on my account about forbearance. I'm agitated at this point and ask to speak with a supervisor, she ask me why-I TELL HER BECAUSE I KEEP GETTING CONFLICTING INFORMATION EVERYTIME I CALL!! 

Supervisor gets on the phone goes over my account and says he does see info about the forbearance being under review. He claims he called over to the forbearance department and someone will- '' WILL '' call me back early afternoon about my account. Well its the next day and I have not heard from anyone. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I have only used XXXX for my auto insurance and its saying something about XXXX XXXX for auto, however I only used XXXX. It says XXXX dollars debt thats in collections.. It says it was open XX/XX/2015. I have had XXXX for the past 6 years or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
So Back in 2016 I went into Wells Fargo to open a bank account, the account was shortly closed due to early warning services .... they are saying that I applied for a student loan and added a co-signer that did not ask to be added. I have told Wells Fargo I have made one student loan application without a co-signer and I have confirmed that there is an additional I have let them know that it was not me that applied fraud was done in my name I never did an application with a co-signer. Here we are two years later and I am not able to successfully open a bank account. I opened a checking and savings with XXXX XXXX XXXX XXXX, which surprisingly they allowed me to open, but that too was closed shortly telling me to contact early warning services again. Because I told them that I have applied for student loan ( I INCLUDED THAT THIS WAS DONE RECENTLY THIS YEAR WITH NO CO-SIGNER ) Wells Fargo has refused to remove this accusation from my Early Warning services report and My XXXX XXXX account can not be used until they receive something from red saying that those things are inaccurate. Because fraud was done in my name I am being limited and can not use or open any account near me! This is affecting me my financial support and my time and this is really inconveniencing. I have disputed tried everything Wells Fargo is just not willing to remove this and I need this looked into further! I am being punished for no reason at all, Waiting anxiously for a response as my account has been restricted since the second week of XXXX and we are nearly in the second week of 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 non-monetary relief
Consumer complaint received 2018-04-06 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Purchased mattress with XXXX XXXX  Credit card promotion, where if you set up automatic payments, there was XXXX interest. I was told the whole process was automated, including a balloon payment at the end. However, the balloon payment was not automated, so when it didn't happen, I was charged deferred interest charges of {$2900.00}. I have paperless statements with this account and usually get monthly emails with balance. I had not received an email for the last 4 months, and when I received it this month ( XX/XX/XXXX ), I saw the higher balance. I called them to see if they could waive the charges but they said I was outside the 30 day waive window. My issue is that I was unaware of this charge because I understood the whole process to be automated including balloon payment, and I received no email statement saying that I needed to pay it off, only an email when it was 2 days outside the waive fee window.

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 2018-04-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried continuously to have - Delinquent past/present obligations removed excessive number of inquiries, and installment late accounts removed from my credit report. I have submitted documentation XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
During these submittals, I have supplied information that stated these accounts were settled/with settlement letter and they should be deleted from my report. There are numerous reports and inquiries that are over seven to ten years that I have also asked to be removed. 
There are incorrect names, addresses, and phone numbers. 

I am requesting that someone help me to fix these issues, so I can continue towards a better future. Thank you for your time, 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 non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NY

Complaint narrative:
I began receiving calls from a company claiming to be debt collectors looking for someone who is not me. I have told them several times that they have the wrong person, and I have blocked them but they are still harassing me on a daily basis starting at XXXX XXXX and continuing throughout the day.

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 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: KY

Complaint narrative:
I received an annual escrow disclosure statement from Mid America Mortgage company on XX/XX/2017 informing me that my escrow payment was going up {$200.00} a month due to a 473 % increase in my city taxes. This was not accurate and I have since been trying to request a new escrow analysis and updated payment. It has been over four months now that I have been requesting them to look into and resolve the issue, to no avail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
After missing one payment in XX/XX/XXXX, and making two payments on XX/XX/XXXX, in the amount of {$290.00}, the second payment was NOT counted as a payment. Late fees accumulated. 

My subsequent payment on XX/XX/XXXX was ALSO not counted as a payment, and I have been assessed late fees even though it was made at a time when the account was not in arrears. 53 Bank   is refusing to handle this or apply my payments correctly. Their online system does not give a user the ability to designate payments, does not notify users how it designates payments, and there are no statements or alerts whatsoever. This product is clearly designed to chisel people with late fees and is predicated on dishonesty. I want everyone to know that 53 Bank is terrible regarding the basics like accepting payments. All you have to do is miss one payment, and then they have you.

Vile, filthy and disgusting people at 53 Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 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 have an account on my credit report named, XXXX, and it has been reporting inaccurate information for the last couple years, balance and status to be more specific. Shows needs attention and that I '' m currently past due. I've disputed several times with Equifax and nothing has been addressed. Latest letter was sent on XXXX and the letter addressed the bureaus obligation to complete within 30 days and to notify me, along with other issues present.This account is hurting my credit and I want to get it removed from my report based on the reporting violations I've read. Please see image below to view these glaring inaccuracies. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has refused to provide me any details about any debt other than to say something for principal and something for fees. 
I still have not received anything about what the money is owed for. 
I was advised in person on XX/XX/XXXX that my account was being closed, I was told by the branch manager via Deputy XXXX of the XXXX XXXX office that I needed to remove any remaining funds in my account at that time or it would not be available to me the next day and that Chase would send a check with the remaining funds in the future. At the direction of the branch manager I removed my remaining funds closing my account. Then Chase left my account open without my knowledge or consent. Now they want to charge me money for something after the account was closed. I requested to be accommodated under the XXXX and for large print. Chase refused to send anything in large print until XX/XX/XXXX in which the debt is not clear at all nor what the debt is for, they only say I owe them money. I do not owe anything since I was told to remove my money on XX/XX/XXXX and that my account was closed. I was told to never return to Chase or I would be arrested. With Chase 's threat of arrest it was clear my account was closed and I was not to return because we did not have any business relationship. Now after the fact and several months later I get a letter that is not clear at all and is over 120 pages. The volume of the pages is overwhelming for my XXXX and is not clear at all what is owned for what. It appears to be an effort to distress me knowing I have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
i received repeatedly phone calls all with in the same day.from Bank of America XX/XX/XXXX  (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX    (XXXX)    XXXX XXXXXX/XX/XXXX  (XXXX)     XXXX XXXXXX/XX/XXXX   (XXXX) XXXXXXXX XXXXXX/XX/XXXX  (XXXXXXXX)  7XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXX   (XXXX)  XXXX XXXXXX/XX/XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)    XXXX XXXXXX/XX/XXXX   (XXXX)    XXXX XXXXXX/XX/XXXX     (XXXX)  XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXXXX/XX/XXXX      (XXXX)   XXXX XXXXXX/XX/XXXX     (XXXX)    XXXX XXXX  XX/XX/XXXX    (-XXXX)   XXXX XXXXXX/XX/XXXX    (XXXX)   XXXX XXXX XX/XX/XXXX  (XXXX)  left phone message

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 2018-04-06 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Hello, On or around XX/XX/18, I received a communication from MCM related to a debt that I do not own. XXXX XXXX XXXX XXXX, placed items on my credit report without first verifying and or confirming the debt belong to the correct person. With that said, from my understanding a communication is to be sent out to the alleged debt owner so they would be able to respond in an effort to resolve the issue. I received now communication from MCM related to this debt, and it was placed on my credit reports unlawfully. The issue is two fold, first the debt is not mine and second, the items were placed on my credit report, damaging my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have a HELOC mortgage with Webster Bank my payments are due on the XXXX of each month. XX/XX/XXXX fell on a Sunday I called XXXX Bank and spoke to a representative she had informed me that because XX/XX/XXXX fell on a Sunday the payment was not actually due until the following business day which would be XX/XX/XXXX and she also informed me that the two day grace period is extended to XX/XX/XXXX, so on XX/XX/XXXX I called and made a payment so that I was not late. I was informed that I was not going to be late. On the following month, XX/XX/XXXX I  called on XX/XX/XXXX again because XX/XX/XXXX was a Sunday non-business day, to make another payment. I informed the representative I would like to make a payment but I will be using a new account number for payment because my old account had been compromised so it has been closed. She said OK she took my new account number and I made a payment so that I am not late. I was informed by the representative again that payment will not be late for XX/XX/XXXX because it is extended till XX/XX/XXXX because XX/XX/XXXX was a non-business day. Well lo and behold I received two late charges for XX/XX/XXXX and XX/XX/XXXX because I was misinformed by the representatives on the phone. I called to question the late charges and was told the information the representative told me was incorrect. I also was told that because of insufficient funds my XX/XX/XXXX payment was not processed. I was told that somewhere in the shuffle of account numbers they used my old account number which had been closed to make the XX/XX/XXXX payment and that they were sorry for that mistake. XX/XX/XXXX payment was made by Webster using my new account number and I was assessed another late fee because of their mistake. So there are a total of three late payments for XX/XX/XXXX and XX/XX/XXXX. I feel as if I was misled and misinformed by Webster Bank, therefore these charges should be reversed because they are not my fault

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, The requirements for BMO Harris incentive were two deposits for {$300.00} within 90 days. 
Account opening : XX/XX/XXXX ( 90 days would be effective on XX/XX/XXXX ) XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX {$300.00} XXXX XXXX : XX/XX/XXXX{$300.00} XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XX/XX/XXXX{$520.00} XXXX XXXX   XX/XX/XXXX{$670.00} The above fulfills the deposit requirements. 

Please have BMO deposit the {$200.00} offer.

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 2018-04-06 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: CA

Complaint narrative:
My account was credited with membership rewards points from purchases across 4 American Express charge cards ( Platinum, PRG, Business Gold, and Green ), however, American won't let me use it. On XX/XX/XXXX, I tried using my MR points by transferring XXXX points to XXXX which is a partner airline. The transaction was not successful and the message I got is that I am under spending review. I started a chat session with customer service and they informed that I just need to call the MR points customer service department to authorize the transfer. The MR customer service department was closed and have to wait the following day to call. 

On XX/XX/XXXX, I called the customer service number ( XXXX ) and spoke to a manager ( XXXX with employee ID XXXX ). He informed that I am under spending review and he is not capable of escalating or fixing the problem. I asked him why would MR points be credited to my account and won't let me use it? I don't understand the logic, I said. He said he does not know. At that point I asked him to transfer me to someone that has the authority to fix the problem on my account. He informed me that there's no way for him to transfer me to the proper authorities. 

All the purchases on the credit cards are all valid and eligible under American Express terms and agreement. I planned on using my points that I earned for my upcoming vacation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: TX

Complaint narrative:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation