vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-05 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: CA

Complaint narrative:
XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they m ay be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted i n a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against   XXXX  , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.

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 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On   XXXX   XXXX   XXXX     I telephoned  M & T B ank and requested that an ACH stop payment order be placed on any transactions from   XXXX    (   XXXX   ).  A week later I received a letter from  M & T  Bank notifying me that on   XXXX   XXXX   XXXX    , a stop payment order was issued by  M & T B ank for and ACH from  XXXX  (  XXXX   )  On   XXXX   XXXX   XXXX    , I checked my online web banking bank account register and noticed an ACH debit from  XXXX  for the amount of {$1100.00}.     I immediately telephoned   XXXX   XXXX   XXXX   XXXX   customer service and informed the person who answered my telephone call that  Crossroads Financial  had debited {$110000.00} from my checking account on   XXXX   XXXX   XXXX     and that I had an ACH stop payment order in effect since   XXXX   XXXX   XXXX     for  XXXX  ACH.     The customer service person whom I was speaking to then asked me to hold a few minutes while she could investigate my problem. A few minutes later, the  M & T Bank  customer service person came back on line and informed me that : '' a stop  ACH o rder goes into affec t 24 hours afte r the amount is debited from my bank account. '' Really?? That is a bunch of garbage, I have a stop ACH order against a company called  XXXX  and since that order went into affect on  X/X/2017   , no money from  XXXX  has ever been debited from my checking account.     This is just another example of the utterly inconceivable computer programming mess existing  at M & T Bank. The M & T Bank co mputer banking software is hopeless stuck  in the 1980s instead of being written for the 21st century. It is also a perfect example of M & T Bank customer service representatives  not knowing what they are talking about.

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 2017-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
We closed on our house on   XXXX   XXXX   XXXX   XXXX   wit h Quicken L oans. In   XXXX    XXXX   XXXX  , when making our online payment I noticed a large credit of about {$3000.00} towards the account. Not understanding where this came from I called to inquire about it. I was told that at closing they over estimated taxes and insurance and that it was going to be refunded to us. We received a check a week later. In  XXXX  we were told that they recalculated our escrow and were lowering our payment by {$50.00} per month. Towards the end of  XXXX  we finally decided what to do with the refund and proceeded with flooring and paint. Days later I received a notification that our house payment is now going to be {$200.00} more each month because they mistakenly refunded us money and they would like it back. Um. What? We called, verified and waited 3 months to spend that! Not only that, but every month, I was paying {$50.00} per month over our monthly payment towards principle, and while not an enormous amount of money that was {$600.00} per year that I will not be able to pay towards my principle. So, they are now tying this 'repayment ' to my mortgage. Can they do that? The point is that I should not be held accountable for this money as I did EVERYTHING  right.  If I call to verify and am reassured that this is indeed 'for real ' and even wait to spend it ... .I do n't really care if they are gracious enough to drop {$200.00} into my escrow account but I am still responsible for the balance. I do n't care if I had {$5000.00} sitting in my savings account ( which I do n't ), they should not be able to do this. If your boss gave you a bonus at the end of the year and then realized they gave you too much ... and then docked your paycheck for a year ... ..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
We were contacted by mail b y Convergent Outsourcing Inc. (  letter dated  XX/XX/2017    ) in an attempt to collect a " debt '' for {$2600.00} to  XXXX . We have never had an account with  XXXX . This is a scam company. The next wee k ( letter  dated   XXXX   XXXX   XXXX     ) we received a letter supposedly from  XXXX , attempting to collect a debt of {$2600.00}. I called  XXXX   XXXX  the real  XXXX   ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at  XXXX  since Convergent is engaged in illegal actions using  XXXX  's name.   I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that  XXXX  would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with  XXXX , that would be very scary! Please do whatever you can to shut this company down!

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 2017-05-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a follow up complaint to previous complaint  XXXX . Please reference the details in this previous complaint. The reason that I am submitting a new complaint is because today I called  Chase Southwest Visa to check on the status of my complaint. They informed me that they are just NOW beginning to investigate my complaint and that it will likely be several ADDITIONAL weeks before th ey are able to resolve my issues!! I first contacted Chase th e   XX/XX/XXXX r egar ding this problem. I followed this up with filing a complaint with the CFPB on   XX/XX/XXXX . It appears that they have taken absolutely NO STEPS to resolve my problem. I have received several form lett ers from " Th e Executive Office ' ' stating that they are investigating my case and will notify me when and if it is resolved. I do n't believe that they are doing anything on my behalf and are simply stonewalling. They need to be made to do right by this their customer!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Commercial Services, Inc
State: TX

Complaint narrative:
National Commercial Services is constantly calling my phone about a debt that I am not legally responsible for. They making  me crazy by calling my phone every hour. They are also sending letters to my fathers house, who has nothing to do with the debt. They are to pretending to be the Department of safety and claiming that they are going to suspend my license. Please help.  National Commercial Services is driving me  insane.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In  XXXX    XXXX  , we obtained a mortgage loan through t he Citibank Mortg age. The mortgage account has a promotional offer attached. We expected that a cash bonus equivalent to the first mortgage payment, up to {$2500.00} would be deposited to my linke d Citibank checking  account within 90 days of the end of the statement period advertised as lo ng as the requirements are met. We carefully followed the instructions from the advertisement and has met all the requirements by 1 ) obtaining a new home purchase mortgage loan from Citibank, 2 ) opening a personal regular checking account in the Citigold Account Package, and 3 ) signing up monthly debit of the ortgagement but nothing happened. No fund was ever deposited to my account. We contacted the company for the next few years, but every time they said they put it on note and would investigate but we never received any response. Here is the case number   XXXX   and one of customer service representative IDs :  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 2017-05-05 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: CA

Complaint narrative:
On  X/XX/2017    an ATM cash withdraw in the amount of {$300.00} was made from our checking account during the night while my husband and I were both sleeping during the hours of  XXXX  and  XXXX  at an unknown ATM machine which we have never used at and area where we are not familiar with. At about  XXXX  I noticed the unfamiliar transaction and asked my husband if he had made it and he said " no ''. We have never loaned anyone our debit cards or shared our pin numbers with anyone. So I called  Wells Fargo to file  a fraud complaint and on   XXXX     they denied our claim.  Wells Fargo ob tained copies of pictures taken of the thief who used the ATM and still they refuse to honor our fraud complaint or reimburse our stolen funds. We suspect that our debit card was somehow cloned by the thief.

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 2017-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I recently pulled my credit report as of result of this I noticed I had this collection account with XXXX XXXX XXXX I  initiated a dispute with a XXXX dispute letter because the account does not belong to me and I was n't aware of this account I requested them to present me with a copy of bonding contract signed by me to which they replied to me by mail with six pages of paper page one stating the debt was valid, second page is a welcome too XXXX XXXX XXXX XXXX letter, third instructions to register the account online, fourth page Electricity Facts Label form, fifth page Disclosure Chart, sixth page thirteen state language form. None of forms provided as evidence are valid, I have also looked the company up in the Texas Secretary of State website and this company does not have the proper bonds and license to collect debt in the State of Texas. I am officially complaining about them and request this collection debt from their company to be removed from my credit immediately. Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05 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: DC

Complaint narrative:
I refinanced my  XXXX   XXXX   XXXX   XXXX   XXXX  .That was financed with  XXXX   XXXX   XXXX  in XX/XX/XXXX .In  XXXX , I fell on some hardship after maki ng 26 cu rrent/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in betwee n jobs.I mad e a payment in   XXXX  .That was n't updated to the Credit Bureaus that    XXXX   XXXX   XXXX     reports to.One  of the criteria for   XXXX   XXXX   XXXX  agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account  XXXX  .  XXXX   XXXX   XXXX  .is  reporting my account as a  120 da ys past due in    XXXX   XXXX   XXXX  When  I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX   XXXX  which  took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the C RA manual in which the current  status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the Credi t Bureaus.  XXXX   XXXX   XXXX  has  a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) to update any prior reporting so as to maintain its accuracy. Their prior cur rent status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus : TransUnion, and  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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I refinanced my  XXXX   XXXX   XXXX   XXXX  was financed with  XXXX   XXXX   XXXX  in  XXXX  In  XX/XX/XXXX  , I fell on some hardship after making  XXXX  current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I made a payment in  XX/XX/XXXX .That was n't updated to the Credit Bureaus that   XXXX   XXXX   XXXX  . reports to.One of the criteria for   XXXX   XXXX   XXXX  .agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account   XXXX  ..  XXXX   XXXX   XXXX  .is reporting my account as a 120 days past due in   XXXX   XXXX  .When I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX  .which took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual  in which the current status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the    XXXX   XXXX   XXXX   XXXX   has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) t o update any prior reporting so as to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and Equifax.

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

Complaint narrative:
XX/XX/XXXX  -     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (   XXXX   XXXX  /mo ) failed to cover a {$0.00} balance on  my HELOC ac count.        XX/XX/XXXX   - I noticed a 30-59 da y delinquent report on my report for my   XXXX   XXXX   reported by TransUnion. This was not reflected on my   XXXX   report.        XX/XX/XXXX  -  I  contacted  XXXX  requesting that they update and correct  my credi  t score o ver this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the   XXXX   report but not the Transunion report.       XX/XX/XXXX  -  I disputed the delinquency on TransUnion web site, which had lowered my credit scores Transunion and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.      XX/XX/XXXX - While I did not receive Transunion 's promised " Dispute Resolution Email '', I noticed that the  XXXX   reporting h istory reflected t he 30-59 day d elinquency within n two  days of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX  I ag ain asked  XXXX  to correct and update my credit record. Within  two  days,   XXXX   corrected the record to reflect a 100 % on time payment record, while TransUnion did not.       XX/XX/XXXX   I again disputed the record via TransUnion 's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.       XX/XX/XXXX   No response received from TransUnion, but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change bein g a 30-59 day  delinquent charge, coincidental with the dispute of TransUnion 's report.       XX/XX/XXXX  to date,  no response from TransUnion regarding my any of my efforts to dispute and correct this report.     The TransUnion score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which  I may no t be aware.

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 2017-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX   -    XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (    XXXX   XXXX  /mo  ) failed to cover a {$0.00} balance on my HELOC accoun t.  XX/XX/XXXX  -  I noticed a 30-59 day delinquent report on my report for my  XXXX    XXXX   reported by  XXXX . This was not reflected on my Equifax re port.   XX/XX/XXXX   -  I contacted   XXXX   requesting that they update and correct my credit score over this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the Equifax report but not the   XXXX   report.     XX/XX/XXXX  - I  disputed the delinquency on  XXXX  web site, which had lowered my credit scores  XXXX  and  XXXX , mentioning that Equifax was correctly reporting a 100 % payment reco rd.  XX/XX/XXXX  - Wh ile I did not receive   XXXX   XXXX   promised " Dispute Resolution Email '', I noticed that the Equifax reporting history reflected the 30-59 day delinquency within two days of the dispute. Never did I receive an investigation resolution email.     XX/XX/XXXX I a gain asked  XXXX  to correct and update my credit record. Within two days, Equifax corrected the record to reflect a 100 % on time payment record, while   XXXX   did no t.  XX/XX/XXXX  I aga in disputed the record via   XXXX   XXXX   web site claiming that I never received a Dispute Resolution Email the first time reported and that this is still incorre ct. XX/XX/XXXX  No response receive d from  XXXX , but again, my Equifax score dropped  XXXX  points to  XXXX  from  XXXX  the only change being a 30-59 day delinquent charge, coincidental with the dispute of   XXXX   XXXX   repo rt.  XX/XX/XXXX  to d ate, no response from  XXXX  regarding my any of my efforts to dispute and correct this report.
The  XXXX  score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which I may not be aware.

Company response to consumer: Closed with explanation