vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
After being a customer of  BMO 's for 8+ y ears, I had my first misstep. I have a checking account, savings account, overdraw line of credit and credit card through them. In  XXXX  of   XXXX  , I missed my first payments ever. It was an honest mistake, but I just forgot to pay the bill - a true human error. I was never called, emailed, texted or otherwise notified that I had missed a payment. I did n't realize that I had goofed until   XXXX   XXXX  , not BMO, let me know that I had missed a payment and my scored had dropped by  XXXX  points.     I called the company, apologized and admitted that it was a goof on my end but I also mentioned that I was never notified that I had an overdue payment. That helped nothing. They told me that there was nothing they could do to help me since it was " not their fault '' and that I could file a formal dispute.     Before filing the formal dispute, I went into a   BMO branch to explain to them what had happened. They seemed enthusiastic to help me since they could see that I had done business with them for so long, but I was also told by the manager of the branch that there was nothing she could do either and that I 'd have to follow up with the people who handled the credit cards directly. Needless to say, I filed a formal dispute with the credit card division within BMO and received response stating that the " information being disputed was verified as accurate and would not be changed. '' Document is attached.
I want to make it absolutely clear that I did not receive any communication whatsoever from BMO letting me know that my payment was overdue and I was at risk of a derogatory mark on my credit report. I think I received 1 voicemail from them after my credit report had already been hit. I never once asked that they refund me the late fees, I was perfectly willing to pay them. I only asked that they remove the derogatory remark from my credit report as I felt that there was something they could have done to help prevent the situation.
This all occurred after they completely wiped my credit card rewards with no warning. I would not recommend doing credit card business through BMO.   They have some serious work to do from a customer service perspective.

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 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: SC

Complaint narrative:
Yesterday I received in the mail a what looked like large loan application packet from a company called  Loan Depot. I have  never applied for a loan with this company and found this concerning. I called the number on the forms and left a message. Today I received an email from  Loan Depot  thanking me for taking the time to talk to them about a loan. I have nor and am not applying for a loan, refinance, etc. with this company and find all of this highly concerning, possibly fraudulent, and I am concerned about identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: GA

Complaint narrative:
I have been fighting with the Equifax,   XXXX   and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of the ledger where it shows we had a huge credit balance.     No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
XXXX   XXXX   XXXX   sold our HELOC to  Caliber Home  Loans and immediately they applied payments not to our monthly payment and came up with extra fees that needed to be paid. As payments were made, they were applied not to the monthly amount due and thus showed that payments were missed and then said we were in default. This immediately followed with foreclosure. Each time I tried to work it out with them they gave us an amount owed and when we tried to pay that amount, the amount had gone up. This occurred three times. They have over charged interest. The balance is {$50000.00} the interest rate is 4.24 % they claim we owe over {$5000.00} which if you do the math and they have not had the mortgage for one year, it does not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
- On  XXXX   XXXX ,   XXXX   an over-payment of {$2700.00} was made to my  Chase United Explorer  Credit Card - On  XXXX   XXXX ,   XXXX   I requested a refund check in the amount of {$2700.00}. I was told  by Chase Custom er Service the check would be issued and I would receive it in  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to check on the status of the check. I was told the check had not been issued and that it would be issued, and I would receive it within  7-10  business days.   - On  XXXX   XXXX ,   XXXX   I called to inquire on the whereabouts of the check. I was told it had been issued, mailed on  XXXX   XXXX ,   XXXX   and should be received in  1-2 days.     XXXX   XXXX   XXXX ,   XXXX   I called at close of business ( approx.   XXXX   XXXX    PDT )  as I had not yet received the refund check in the day 's mail. On this call I was told by the customer services representative that a total  of three ( 3 ) ch ecks had been issued on the following dates :  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX , respectively. Further, I was told that a fourth check would be issued and to expect that check within  7-10 b usiness days. During this call, while not understanding the logic nor rationale being presented to me, I decided to cancel the account to help expedite the receipt of the refund check.   - It appears that while Chase can accept my on-line payments withi n 1-3 business d ays, the reciprocal process is not available to its customers. I am left with the conclusion t hat Chase was delaying the refund in hope  that I would use the credit card and therefore lower the amount owed to me.   - Your help in this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I had an installment loan wit h Conn 's that I ended up paying off early. I contacted Conn 's  on  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX   to find out where my refund check was as I had overpaid. The customer service representative, told me on both occasions that they sent a message to the credit department as they were the ones that had to contact me. On the second occasion, the customer service representative told me that it w as Conn 's policy to ap ply the refund amount to other existing loans, if applicable. I specifically requested for a copy of that policy but never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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 — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in  XXXX  of   XXXX  . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened  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 2017-04-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
They were still charging me after I closed the account.

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 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been in foreclosure for a while and have tried to work with the bank on a few separate occasions. Last  XXXX  I went through the process with a customer service manager from Bank  of America n and tried a remodifcation. I kept giving them the information they requested, but would get a letter saying that I did not respond in time to the denied my request.     This past scenario, I got an auction sale letter by certified mail on  XXXX   XXXX  from a firm representing Bank  of America. I c alled the firm and asked how I can stop the sale and work with Ban k of America. T hey told me to work with my customer relation  manager  directly and they could assist and post-pone the sale. I immediately called to try to work it out again with BoA and was assigned a new  XXXX  to assist. Thats the thing with BoA, I can never actually speak to this person. They give me a name, and then when you call, they are never available and you have to work with the  XXXX  im on the line with and I never get to actually speak with the person who is responsible for my account.     Well I got the package form BoA along with the letter of what I needed to send them for the loan modification. I retrieved all of the files and faxed the info to them on   XXXX   XXXX  , for which I have a confirmation from MyFax services. I received a letter from BoA on  XXXX   XXXX  or  XXXX  about the extra materials they needed from me which included contacting my  XXXX  for details. This letter stated that any sales of the property would be put on hold until an answer was made in the application. It also stated I have 37 Days to complete the remodification.  Well  on   XXXX   XXXX  , the auctioneer showed up and sold my house. When I called the bank, they said there was nothing they could do at this point and to speak with their representation that handled the auction. Their representation says to talk to BoA. I am still within my 37 days and am trying HARD to make sure I do n't lose this house, but BoA is making difficult, almost on purpose it feels. I have  2 y oung kids and I am in a place now where I can make payments where I was n't when I got into the mess I am. I just want to make things right with BoA and start making payments and not lose my home.

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Hello - Myself a single mom protecting her family from a violent case of domestic  XXXX , if this debt collector has any knowledge of the law when they see - I was awarded full and sole custody of my children, they should understand.     In   XXXX   thought it was all over and we finally safe, unfortunately this was not the case - I again had to make the choice to use all my funds to re locate my family.     As I have stated many times to this debt collector no one will rent to me with this reported collection on my report. This debt collector  Midland Credit Management , Inc. reque sting proof of my hardship. Attached is proof of my hardship all white outs are to protect my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
The  Huntington  Bank bill pay recorded a payment to our condo association of {$220.00} on  XXXX   XXXX ,   XXXX  . They tell me they sent a check that was never cashed. Apparently that is the extent of their responsibility to me as they stated they are not responsible for the late fee we have incurred or so I was informed by a CSR supervisor this evening,  XXXX .     But what really concerns me is that on that date they wash the funds from our checking account into a  Huntington Bank account and debit my account that time. It is now nearly 24 days later and the money is gone from my account but still resides in the Huntington bank account where I assume they accrue additional float on the funds not available to me. Prior to Huntington  bank purchasing  XXXX   XXXX , the  XXXX  bill pay sent checks from our account and did not record the payment until the check was cashed thus providing us the ability to know that a check was not cashed in a timely fashion and to inquire as to why.     They tell me I agreed to this process in the transition from  XXXX  to  Huntington  as it was likely in the " fine print ''.     I am certain what they do is quite legal if not moral. Our monies are our monies until a creditor decides to cash a check we have sent time or that the bank, through its bill pay service, sends them.     Shame on you Huntington.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26 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: GA

Complaint narrative:
I have been fighting with the  XXXX ,  XXXX  and Experian to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of t  he ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that thi  s money is owed.

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 2017-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been fighting with the  XXXX , Transunion and  XXXX  to remove an item off of my credit report that was paid by the actor  XXXX   XXXX  on  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX  I am attaching a printout of th  e ledger where it shows we had a huge credit balance.
No monies are owed and i would like this deleted off of my credit report unless they can show written documented proof that this money   is owed.

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 2017-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: FL

Complaint narrative:
In reference to the complain (  XXXX  ) already submitted. The company, Perfection Collection, respond that I agree to pay  XXXX  $ monthly for a total amount of  XXXX   XXXX  That is true if they will respond regarding the debt validation, before start any kind of agreement with this kind of people I want to see everything. I already request by certified mail and by e-mail 3 times directly to  XXXX   XXXX   XXXX  but I have not receive any answer. So for me complain is still open.   Attached is the letter that I sent and at this  letter I appreciate one answer,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
On Monday,  XXXX   XXXX ,  XXXX , I was contacted by  Discover Student Loans a bout a loan that had originally be taken out with  XXXX  in  XXXX . The loan was sold t o Discover a few  years back. The customer service who contacted me identified that she was calling with the co-signer,  XXXX   XXXX , on the other line and wished to patch him in. I did not want to speak with her because I was very surprised by the phone call. I said that it was not a good time, she repeated that the co-signer,  XXXX   XXXX , was on the other line. I hung up at this point.  XXXX   XXXX  is not the co-signer for this loan, this loan does not have a co-signer. I was older than  XXXX   XXXX   XXXX  and did not require a co-signer for this student loan.  XXXX   XXXX  ' name is not on the  XXXX  for this loan. Discover has my home address, my cell phone number and my email address, they need not contact a third party to try and contact me. The representative also misidentified  XXXX   XXXX  as a co-signer. This is deceptive, the representative lied to me and to  XXXX   XXXX  who is aged and was rightfully very upset and confused by the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I Have Sent Dispute Letters To This Company That There 's Noting Stating That I Signed Saying Anything Will Be Sent To A Collection Agency. I Signed A Release To Have Medical Treatment and The Release Of Medical Information That 's It Nothing Else And I Want This Off My Credit Further More Its a Hippa Violation!!!!     {$55.00}  XXXX / XXXX / XXXX  {$72.00}  XXXX / XXXX / XXXX  {$110.00}  XXXX / XXXX / XXXX  {$170.00}  XXXX / XXXX / XXXX  {$150.00}  XXXX / XXXX / XXXX  {$190.00}  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc.
State: NJ

Complaint narrative:
My son who was  XXXX   XXXX   XXXX  on  XXXX   XXXX ,  2016  saw his doctor at  XXXX   XXXX   XXXX . He has insurance through his step-mother 's plan. I did pay his co-pay of {$15.00} when he received a bill for that. However, I got a bill in my name for {$220.00} and could n't get an explanation of why he would even owe this money. I have no idea why this bill is in my name as my son is n't on my insurance and is an adult. They sent it to a collection age ncy, Professional Claims Bureau,  in  XXXX , NY. I have repeatedly told them this debt should not be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Good Afternoon, I was previously a client of  XXXX   XXXX   XXXX . They had provided me with exceptional service and had great products. I was charged a ridiculous amount of money   ( {$2200.00} ) in long distance calls, I never made. I attempted on numerous occasions to have them review this, I asked them if a copy of my passport of proof of residence was needed to clarify this matter. They advised I would receive a letter in the mail explaining my options and thanked me for been a loyal client.
Later I received several calls from DIVERSIFIED CONSULTANTS INC  , a collections company. They made numerous calls at all hours and many more after I advised them to please not contact me during working hours. They advised this would ruin my credit, specially after I mentioned I was in the process of buying a home. I asked them to please help me cure the issue, since  XXXX   XXXX   XXXX  never helped me, clear a debt, for calls I never made out of the  U.S. DIVERSIFIED CONSULTANTS INC  advised they would help me, but I had to pay {$1200.00} and they would clear this issue. This was not fair, but I needed to make any and all attempts at saving my credit history. I made the payment against my own will, and they advised it would not be reported, nor will it affect my credit history. I complied with their unfair and devious collections tactics, in an attempt to save my credit.     I ask you please help me remove this account from DIVERSIFIED CONSULTANTS  INC  /  XXXX   XXXX   XXXX  ( Act #  XXXX  - Agency Ref #  XXXX  ) from my credit reports.     I thank you in advance for your consideration and help resolving this damaging and unfair act from  XXXX   XXXX   XXXX  and  Diversified Consultants Inc  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: CA

Complaint narrative:
I recently  applied for a home loan and was denied because of my credit. When I looked at my credit I discovered that AMCA was reporting a medical debt collection that I knew nothing about. I tried to call them but they would not discuss anything except how I was supposed to pay them. They have never attempted to validate this debt. I have not ever received any correspondence from them and I have not moved or had any disruption in my mail service. My insurance company should have paid this bill if it truly has anything to do with me ( wh  ich I do n't believe it does ).

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