vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have a membership with Experian for pulling my three credit reports with scores which cost {$29.00} per month. I was told that they receiving all of the information from all three credit reporting companies-this is not true, I pulled my credit as a tri-merger three times in the last 45 days and was charged XXXX. Each of these credit report pulls, show that XXXX is reporting only one collection, but I pulled my XXXX report directly from XXXX. That report shows 13 negative medical accounts on my credit report. 

When I contacted Experian 's customer support, they informed me that some times they don't get all the information from the other two credit reporting companies. And that their is nothing they can do, but they will refund me one charge. 

Then the rep tried to shut down my account so that I didn't have access to reports anymore.

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 monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I borrowed {$800.00} from this company. I have paid {$700.00} ( {$130.00} first month, {$530.00} second month ) I called the company today and my balance is still {$800.00}. The company is charging me $ XXXX monthly to renew, not repay the loan. My payments are not being applied to the principal. I have spoken to a customer service representative and she stated that I agreed to the terms, so I must pay it. She offered no payment assistance, despite the fact that they just received {$530.00} The fine print of this contract is buried in numerous disclosures. The fees attached to this loan are horrendous. I was not informed that my  payments of {$530.00}. XXXX are actually loan renewals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX forgave a debt that was a mistake that went to collections. 

( XXXX ) XXXX-XXXX XXXX XXXX is the name of the agency. I called them & said progressive forgave expunged erased the debt. That company already had 1/2 of the debt erased. 

But they would not allow me to discuss the debt saying they could not verify who I am.

I gave them about 5 addresses I have had. They still would not verify my identity, they claimed. I said I have a XXXX XXXX report of every address since XX/XX/1985 I had & I was willing to read it to them ... but they basically said we can't verify it's you. I think it's strange. 

XXXX says they lost the policy and some CSRs look for it but some say just pay. 

XXXX initially said that the debt was expunged. The collection agency was polite but it was like talking to the gestapo anyway by saying I am not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Neuheisel Law Firm, P.C.
State: CA

Complaint narrative:
I am reaching out to you in regards to accounting issues with XXXX XXXX XXXX. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with Neuheisel Law Offices. Upon transfer to XXXX XXXX XXXX an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XX/XX/2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, XXXX XXXX XXXX is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  : Received a phone call from XXXX from Portfolio Recovery Associates. Supposedly her last name is XXXX. They have identified the wrong person, I owe no doubts to such a company. Asked to be removed from their list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a repo appearing on my credit report.The company had 15 days to resond to my letter and to provide the documentation I asked for. 

After 16 days I sent another letter to this time Experian informing them that XXXX XXXX had failed to provide me proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL And that they were required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Experian provided me with results of my dispute to show the trade line has only been updated and not removed. Experian did not provide me any supporting documents that were requested.

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 2018-07-17 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
As of XX/XX/XXXX I paid Chase in the final payment for the settlement agreement. In XXXX XXXX I receive the letter of agreement for the final payment. I wanted to make sure that my credit history was all set and it would be off of my credit history but it wasn't not. When I checked with XXXX  on XXXX XXXX they told me that it was charged off when it was paid off. I called chase XX/XX/XXXX and they told me it was charged off as of XX/XX/XXXX which I was unaware of aslso I didn't recieved any letter that it was written as a charge off and was told even if I paid the whole debt off they still will not remove the charge off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed my credit score had dropped nearly 150 points and my credit limit on my XXXX  credit card had been reduced from {$2000.00} to {$200.00}. I called them and they said Id had a delinquent balance of about {$9.00} beginning in XXXX of this year when I thought I had paid it. Between then and now I did not once receive any notification from XXXX that I had a balance. Nor did I recieve notification that my credit limit had changed. I have not used my card for several months as I rarely visit XXXX  stores and I had gift cards so I didnt need to use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
During a one day trip to XXXX XXXX, CA on XX/XX/2018, after making my first purchase, my debit card was immediately put into fraud alert and cut-off from use. Though I was assured by at least 10-12 customer service and fraud representatives that my account was " fine '', the card was never re-activated until 5 hours later. I am writing to inquire about the legalities of importing a travel code onto my debit card ( without ever informing me that I needed one ) and deactivating my account at a moment 's notice because of suspected fraud and what seems to be a loose, unstructured fraud protocol.I have attached a copy of my correspondence to US Bank detailing the ordeal. Thank you.

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 2018-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On XX/XX/2018 somebody tried to take out a loan on my name it was a fraud and the company refuses to close the account and remove from the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Financial institution Bank Of America has a practice of charging a " minimum finance charge '' on my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed, which WILL NOT BE TOLERATED.

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 monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a commitment to Chase bank in XX/XX/2018 submitting two payments to the same payee via online bill pay. However Chase bank failed to honor the agreement, the payee is demanding proof of payments or the mailing envelops in order to waive the penalty {$930.00}. When asked, Chase bank refuses to provide me the envelops, due to the fact that the two payments were never sent in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
This debt was taken over by United revenue corp in 2012. They did NOT VALIDATE the debt and I do not owe them or original crediter. I sent letters for them to validate the debt with my signature and they failed to do so, so want to complain against their company.

I want this deleted from my records as they have been harrasing and have not validated the debt.

United revenue corp XX/XX/2012 {$570.00} DID NOT VALIDATE DEBT AND HARASSING ME

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
This morning, XX/XX/XXXX, shortly before XXXX XXXX. on my home computer, I authorized a wire transfer in the amount of {$10000.00} to my mother 's bank in XXXX. My mother is an American citizen who resides abroad, having moved to XXXX after retirement in XXXX ( these funds are in fact her monthly retirement income, and I provide her local banking to get her access to these retirement funds. ) Several hours later I received a phone call from Chase that was not clear and disconnected, and an email cancelling the transfer. When I contacted the bank via telephone, I was advised that I needed to go into a branch to show two forms of ID, which I promptly did, and was then allowed to resend the international wire transfer. In verifying the account information I noticed that the banker had left off a digit from the IBAN code, and she advised that she would shred that application which she did not process or authorize. She then reentered the information, which I then verified as correct, including the swift code and IBAN code, which I had received from the international bank this  past XXXX, and confirmed with the recipient that nothing had changed since that time. I then signed the paperwork, and authorized the transfer. The bank processed the transfer providing me with a disclosure and receipt. I then left the bank, returned to my office at which time I received an email alert that this transfer was cancelled too. I called the number indicated on the cancellation notice, and was advised that the internal review process had rejected the transfer, and that there was absolutely nothing I could do about it, and that there was no one within the internal review area with whom I could talk to to see what I could do to get this money transferred. I then called CFPB, and was directed to this forum, and started filling out this information. I then received another email, some forty minutes after the cancellation notice was emailed, advising that my wire transfer was sent. I called and spoke with XXXX who answered the phone for Chase on this most recent call, and she confirmed that the second cancellation was of the transfer that I never authorized, and which should never have needed cancellation, since I received no paperwork that it had even been attempted. This was a nightmare, and horrible customer service, aggravating and frustrating beyond measure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
In the event where the bank collected PMI, does the government realize the bank told me deliberateluy not pay mortgage for 3 months because it would qualify me for a loan modification. This was an obvious scam., so they could collect. Where does it leave the house if the promissory note ( which was fraudulent ) now that it is separate from the actual deed. It still gives the bank no right to hold my home hostage, continue to deny and accept modification apps, and add interest to loan, while I am still making contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have paid my credit card on time and in full since I have had the card. The money is taken from my bank, but, I can not use my card for 10 days once they receive the money. When I talked to the representative at Chase Bank ( I have a Chase credit card ), I am told that if I pay more than half the balance, I have to " wait 10 days '' after the money has cleared to use the card " Just to make sure that the money is there ''.

I was told that if I pay less than half the balance, then, I can continue to use the card. But, if I pay off the total amount, I can not use the card for 10 days.

I feel that this holds me hostage. I am penalized if I pay off my balance on time, monthly.

This makes me very angry. I feel that the Chase credit card company is trying to force me to carry a monthly balance to increase their fees, instead of allowing me to pay off the balance and continue to use the card.

I think this is a very unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I have been writing and complaining about Rushmore loans for a number of times to no avail. I have tried to contact them directly but every time you call you talk to someone in the XXXX! I have asked to talk to someone in the U.S. They put me on hold and then you just give up after waiting for XXXX minutes. They are a crook of a company. 
I had a loan modification with another crook of a company called XXXX and they sold my loan to them. I was paying for nearly 2 years without delay an amount of XXXX dollars a month. All of a sudden Rushmore changes that to XXXX and if you are late they add another XXXX dollars! 

I said I would pay my own taxes because they claim that this is because of negative escrow. I can pay my taxes on my credit card which I did just a few days ago. They also lied that the reason for this amount is because my taxes doubled. I went to the county and my taxes only went up by XXXX dollars a year so they are lying again. I do not want to pay almost 600 dollars a month extra when I just can't afford it. I did not sign up for the loan modification to pay this amount. 

I have also repeatedly asked them to have a lower, much lower balance. My note in 2006 when I bought the house was for XXXX. After 12 years of making payments to XXXX, XXXX, XXXX and now Rushmore, I still owe according to them XXXX plus late fees. This is bloody highway robbery. I want a reduction on the principal and I want my payment to be the same as before.

Rushmore is doing an illegal business. I do not want them to pay for my taxes.

Additionally, they all lie. I want a resolution to this matter which I have asked a number of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( XXXX, Equifax and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 XXXX  and Equifax both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The financial institution Bank Of America has repeatedly tried to charge " minimum interest fees '' om my credit accounts AFTER the balance has been paid IN FULL and is XXXX. Criminal greed which WILL NOT BE TOLERATED.

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 monetary relief
Consumer complaint received 2018-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: GA

Complaint narrative:
Me and my husband started getting help from Global client solutions back in XX/XX/2017. They told us that they would contact our creditors and no one should be calling and contacting me. Well the calls never stopped from any of my credit card companies. I contacted XXXX XXXX XXXX XXXX which is who I go through and also contacted global client solutions. They said that they had contacted them not to worry. We were told that how the program works that we would automatically draft a monthly payment and once we built up enough money in the account to pay off a debt they would contact our creditors and negotiate the price. We have been paying since XXXX and nothing has been paid and none of my creditors have been contacted. Now I tried to get out of the program but Global client solutions says I only have a balance of a little over 200.00 in my account which should be over 2000.00 which is enough to pay off a couple of our debts. Now they are saying that there were fees that we had to pay and that they are non refundable since they already did the work. They have not done any work. they have been taking our money and not paying off anything like we agreed to. Everytime I call I get placed on hold and no one ever answers. how do I get my money back? Now I have to start paying on my cards again and im so far behind because we now have the late fees and the interest since they haven't been paid in 8 months which outs us further behind. Not saying how bad it hurt our credit and we will never be able to catch back up especially if I cant get my full amount back.

Company response to consumer: Closed with explanation