vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have sent a total of three letters each to Experian,  XXXX , and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.  XXXX  removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.

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 2017-05-25 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This account has been reported on my credit and should not have been. This was originally a hospital bill. After sending in my insurance information they should have corrected the issue. Back in  XXXX  I contacted my insurance and on a conference call with progressive management they agreed to fix the issue. According to law this should never have been reported. This situation was discussed and cleared and was stated it would be removed from my credit report.

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 2017-05-25 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: Capio Partners, LLC
State: TX

Complaint narrative:
I accessed my credit reports and see that  Capio Partners are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and woul d like for them to delete the information they are not bound to report. i have reached out but to no avail they are refusing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX  of the benefits with the  XXXX   XXXX  card is earning  XXXX  status after spending {$50000.00}. Under the benefits document and everywhere this benefit is explained, it says : " You 'll qualify for  XXXX  after you make {$50000.00} in net purchases that post to your  XXXX  billing statements. '' Sending multiple messages to customer service and calling in, all agents I spoke to said the spend is based on purchases posted to a calendar year,  XXXX   XXXX  through  XXXX   XXXX . This is contrary to the advertised benefit, which states purchases that post to the  XXXX  billing statements. My  XXXX  statement closed on  XXXX / XXXX / XXXX  which means all purchases made in  XXXX  after that date posted to the  XXXX   XXXX  statement. Thus, all purchases made between  XXXX  and  XXXX  count towards  XXXX  status for  XXXX . I have been denied the status after many attempts in explaining the wording and how I am indeed eligible for  XXXX  based upon my spending between  XXXX / XXXX / XXXX  and today.     Purchases posted to following statements :  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX ,  XXXX  :  XXXX .     If calendar year spending is what is truly intended, then the wording needs to be changed. I made several large purchases at the end of  XXXX  which I could have held off on if I knew they did n't count towards  XXXX . In any case, based on the wording and my interpretation of the benefits explained, I have met the {$50000.00} spending requirements.

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 2017-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Ocwen Loan Services h as deducted numerous egregious charges from the escrow account without any burden of proof that a real expense occurred. Items such as property inspection fees etc. I have requested Ocwen numerous times to show me that an actual expense occurred and to provide the pictures of the said home inspection or a receipt of an invoice that was submitted from the inspector. They keep sending me the mortgage statements that show deductions but do not provide the proof of expense. The law firm handling the foreclosure case did have the case on hold but now have opted to proceed to foreclosure without resolving this issue. The law firm has also tacked on multiple duplicated fees that have increased the rear amounts owed to an unfeasible amount of money. Ocwen continues to play musical chairs with assigning a different relationsh ip manager every few weeks. Each time the new manager seems to not know what has happened to date?? This certainly delays  any resolution to the issue while they feel free to continue into foreclosure. The problem with Owen started when they refused to explain the charges and I put the mortgage into escrow and did notify them of such. Ocwen has never asked to see the escrow account info or to release the funds or ever resolved the issue or granted my requests for proof of expenses. IN fact all they did was raise the mortgage to satisfy their charges.  Ocwen  also sent a reply to my request to explain the charges to the escrow account stating that my name does not match any of their records??????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I recently pulled my credit reports and found a collection account with Convergent with a balance of {$400.00}. I am not responsible for this debt. I have n't signed a contract with this company and I have no record of any such debt prior to receiving my credit report.

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 2017-05-25 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: DISCOVER BANK
State: NC

Complaint narrative:
There is a hold on my credit card that  Discover  card wo n't release it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: FL

Complaint narrative:
Dear CFPB, I have been trying fo r 4 1/2 years  To get Experian to removed   XXXX   XXXX   off of my credit report because of FRAUD.I was very successful in disputing and getting  XXXX   XXXX , and  XXXX  to remove that bank off my reports. I feel I am being treated Extremely unfair by Experian.Because of my Extended fraud alert for 7 years, it already takes weeks to get even  1 of my credi t reports, I received my Experian report on  XXXX   XXXX , I tried again to dispute  XXXX    XXXX   on  XXXX   XXXX @ XXXX  for 36 minutes. I talk to  XXXX  in the ( FRAUD DEPARTMENT ) and she said what  XXXX    XXXX   reported on my credit report was accurate I explain and explain my side of the story first she said she would place and state that  XXXX  reported inaccurate information then she changed her mind and said it was accurate and she could n't do anything at  all.Now I do n't know what to do I am very frustrated and upset I do n't understand why I ca n't get an y help with this issue from Experian, The bottom line is Experian has refused to help.

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 2017-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
Planet home Lending told me sheriff 's sale would be XX/XX/XXXX  . It was delayed 3 or 4 different times. They even had some scheduled without notifying me, found out from a neighbor. I moved out before the first scheduled sale. At one point they had someone call me and offered me {$700.00} to get my stuff out so they could fix it up and rent it. Another time they falsely accused me of abandoning it broke in and changed the locks.i made a report to police and pictures were taken. I have been doing the yard work ever since I left. They had another sheriff sale  XX/XX/XXXX . On  XX/XX/XXXX  they had a realtor put a sign on the door saying no trespassing and threatened prosecution. I called sheriffs off ice and they said the sale was not approved or signed by a judge and I have the right to go  in.I m ade a report to local  police.This  home was at one point financed through  XXXX  and I believe something crooked is going on because of 2 years caused me to move out. They kept sending me @ {$1000.00} a month bill.I could have fixed this home and got some of my money back. It is a VA loan. They are ripping off me and the VA. I purchased it for {$140000.00} in XX/XX/XXXX  .   I wa s told they purchased it back for $  XXXX  I b elieve with about {$20000.00} investment this home could sell for close to {$200000.00}. I 'm looking to sue for my losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: ERC
State: TX

Complaint narrative:
I accessed my credit reports and see that Enhance d Recovery Services and reporting as ERC for accounts that are reporting as well. They are reporting information that they are not legally able to report. According to the Secretary of State the agency is not licensed and bonded to collect a debt in Tx. They are reporting negative information and would like for them to d elete the information they are not bound to report. i have reached out but to no avail they are refusing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.

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 2017-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: CA

Complaint narrative:
Hi, Pursuant to m y original complaint  XXXX , and follow-up to the response listed by Chase, I am filing a new complaint regarding the placement of unauthorized charges in dispute.     As part of my request for resolution, I have asked on many occasions the documentation Chase received from  XXXX , however this is never provided. In addition Chase is using in their decision determination, my preliminary order request which I submitted for documentation of my purchase with  XXXX , however, subsequent to this, I have provided to Chase the FINAL & ACTUAL online receipts and confirmation of purchase from  XXXX .     In addition if Chase had researched this matter fully per my original statements, Chase would see my  XXXX   XXXX  purchase on my  Chase Marriott VISA   XXXX   XXXX  billing statement. Chase would also see from their records and database that at no time from date of purchase to account closing ( or since ), has this charge ever been credited, voided, reversed or refunded.     I have also attempted to contact  XXXX   XXXX  at  Chase Executive office s and left him voicemails on several occasions this his initial notice to me on  XX/XX/XXXX  that he was in receipt of my complaint, however, he has not responded or returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
my loan modification was declined because there is a discrepancy on my documents but they are not giving me an exact reason i have called wells fargo many time and they are not giving me an answer please help

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 2017-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This Glitch that happened is not my problem that TransUnion had and not mine. As you can see this is a case of something TransUnion has done. This glitch caused my inquiries to be deleted and TransUnion later added all   XXXX   back to my credit report withing giving me without giving me a five day written notice as required by law.     TransUnion added  XXXX  inquiries to my credit report without notifying me at all. The   XXXX     inquiries TransUnion added are  XXXX ,  XXXX , and  XXXX . I have called TransUnion twice on the phone regarding this, and for them to remove these   XXXX   injuries that they illegally added on good faith. The first time I spoke  XXXX  from the United States on   XX/XX/XXXX   around   XXXX   XXXX   and was told that the inquiries are not part of the glitch that TransUnion had. That nothing can be done. On  XX/XX/XXXX  spoke to  XXXX  from the United States around   XXXX   XXXX    and  XXXX  told me I have to submit proof that these  XXXX  inquiries were illegal added. I told her I do not need to submit proof of something that TransUnion illegal added. I said that you did not notify me in any type of way, and I know you have to notify me within five days. That these accounts need to be removed. After that  XXXX  hung up on. Both of these representatives from the United States only gave me their first name, and I asked for last name, badge number, or something and I was told by  XXXX  that they are only allowed to give their first names.             These are the   XXXX   inquiries :   XXXX   -    XX/XX/XXXX      XXXX   -    XX/XX/XXXX     XXXX   -  XX/XX/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 2017-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TENET HEALTHCARE CORPORATION
State: WA

Complaint narrative:
Doctor visit was  XXXX   XXXX ,  2016 . Chapter  XXXX  bankruptcy filed  XXXX   XXXX ,  2016  and discharged  XXXX   XXXX ,  2016 . This debt continues to be listed on my credit report as delinquent. Additionally, my attorney attempted to send a dispute letter to the address the agency listed on my credit report, which was returned as undeliverable. My attorney believes that reporting inaccurate informatio n ( in the case the contact address ) to a credit reporting agency is an additional violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have notified Experian that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  or  XXXX   XXXX  . Please remove these addresses from 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 2017-05-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I had  a 5 yr, CD with the Susquehanna Bank   XXXX   branch. Last year the bank was bought out by BBT bank. They changed my CD into a checking account. I never was told that was going to happen and when the statements came in the mail I noticed that the interest posted was much less I called to inquire about the changes. They told me that they had changed my CD was now a checking account. I had never been sent any checks, so again I had no clue this had been done. My former CD was paying around 2.5 % and now I have been getting .80 % I never complained to the bank, but this has been a burning question on my mind as to this was legal. I had signed a 5 yr. contract and I feel they had no right to change the terms. I do n't know how many people got burned by this, but Susquehanna was paying the highest rates in the area. I can not afford to hire a lawyer and I do n't know if this is illegal, but they did break my contract without consent.

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 2017-05-25 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: VA

Complaint narrative:
Bank of America offers co-branded credit cards with   XXXX    XXXX . They offer  XXXX  versions of the credit card with very different rewards and sign-on bonuses.     Bank of America 's application is problematic because a consumer will apply for the credit card with the better rewards/bonuses, but the bank will make the final determination of which version of the credit card the consumer will   receive.
I applied for Bank of America/  XXXX   XXXX   Signature Card. My applicati  on was approved, but Bank of America sent me the Platinum Card which provides lesser rewards/bonuses. I cancelled my card.     Bank of America should simply have  XXXX  separate applications for their  XXXX   XXXX  credit cards. I would rather be denied for the card I applied for instead of receive a card I do not want. Going through this application process is a waste of time and effort, as well as a cost imposed on m y credit score, when I can not simply apply for the card I want.

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