vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
When I opened my checking account I did so with a promotion for new account holders to be given a {$200.00} credit in their checking account when direct deposit was established and my debit MasterCard was used ten times. I met the qualifications but the bank is refusing to honor the promotion. I have called the 1800 number and spoke in person with two different local branch managers and messaged BMO Harris on XXXX. Everyone I have spoken with has agreed that I met the qualifications for the account but have stayed that if the promotional credit was not already applied then it would not be.

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 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management ( MCM ) keeps calling me about a debt that does not belong to me, but belongs to a person that put me down as a reference on a loan application 10 years ago. I've already told this company that I have not seen or had contact with this person for many years after he moved out of state and have no contact information for him. The person that owes the debt is not related to me. He is the son of a family that I used to go to church with. I've asked to be removed from their system, but they will not stop calling me. I get almost daily phone calls and even though I have blocked their phone numbers, they keep calling with a device that generates different phone numbers which may be illegal. They call me at all hours and have woken me from sleep. I have to silence my phone all the time to keep from being disturbed. I only have the name of the person that owes the debt. I have no account numbers or amount of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent investigation requests to the credit bureau back in XXXX. They were supposed to sent the results within 30 days, but I have not received responses.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. 

i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. 

i was having a complaint of over charging, i talked to management & there was no resolve. 

on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. 

i was asked to vacate that house means who brake the lease, not me but the management. 

i asked them to share the details of, XXXX Billing ( Normally XXXX  Charge Trash in their Bills ) Management  is charging is separate. 
Water Billing Trash etc. 

they dont have any supporting documents to support the billed amounts. 
its very high if you compare with other apartments. 

when i vacate the house, they had reported the XXXX XXXX on my credit. 
i already had spoked with XXXX XXXX, no response, XXXX XXXX Name : The Phoenix Recovery Group XXXX-office XXXX-fax XXXX if you review the attached bills, they charge it with no further details. 
XXXX SWAS Trash these bills must have separate supports. 
i was asked to vacate the house, who break the lease. its no me. 

Pls. help to resolve the issue & make sure management is not charging this to all residents. 

Best Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: HYUNDAI CAPITAL AMERICA
State: UT

Complaint narrative:
Hyunday Capital America is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA 's credit card department made an illegal withdrawal from my USAA checking account. This withdrawal overdrew my checking account, leading to an increase to the interest rate on my USAA credit card account balance. 

In XXXX of XXXX, USAAs credit card department notified me of an offer of 0 % APR until XX/XX/XXXX for transactions completed using its promotional checks, and each transaction using a promotional check incurred a {$75.00} fee. On XX/XX/XXXX, I had a XXXX dollar balance on my USAA credit card account, and I subsequently cashed a USAA credit card promotional check for {$17000.00}. After this check settled, my credit card balanced increased from XXXX dollars to {$17000.00}, which includes both the deposit amount and {$75.00} fee. This {$17000.00} balance had a 0 % APR until XX/XX/XXXX. Since that time, I stopped using my USAA card for any purchases or payments. 

On XX/XX/XXXX, I contacted USAAs credit card department to change my auto bill pay function to the minimum balance due, and the customer service agent informed me the change took effect immediately. On XX/XX/XXXX, USAAs credit card department made an unauthorized withdrawal from my checking account for {$17000.00} claiming a glitch in its auto pay system, and this withdrawal overdrew my checking account. The overdraw triggered a cash advance from my USAA credit card, and this cash advance from my credit card was at 10 % APR.

After many phone calls to USAA and approximately 8 hours + of exchange, both USAAs credit card department and checking department recognized the mistake and reversed the charges, restoring my credit card balance to {$15000.00}. However, USAAs credit card department has failed to correctly restore the 0 % promotional APR to my account, and it is still billing me for cash advance interest charges. I have spoken to its customer service repeatedly, and I have not been given a clear answer if and when this problem will be fixed. 

I have concerns that this may be systemic fraudulent activity by USAAs credit card department. I have professional experience as an auditor, and Im currently working on my CPA. I believe my background and experience have allowed me to recognize USAA 's bad behavior. However, Im concerned USAA may be cheating those inexperienced with finance by wrongfully increasing APRs on credit card accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21 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:
I received a promotional offer on my Chase Freedom card for a total of 10 % cash back on hotels booked through Chase Travel in XX/XX/2019. The offer promises 10 % cash back on up to {$2500.00} of hotel purchases. The 10 % cash back includes the usual 1 % that the card offers on all purchases, plus a bonus 9 % back, for a total of 10 %. Screenshots of the offer and the fine print are attached. 

On XX/XX/2019 I booked a hotel through Chase Travel for  {$600.00}. This is the only purchase I have ever made through Chase Travel. I received the usual 1 % cash back on the purchase, but I did not receive the 9 % bonus cash back. Chase posted XXXX bonus points to my account, when they should have posted ( XXXX ) x ( 9 ) = XXXX bonus points. A screenshot of the bonus reward activity for my Chase Freedom card is attached. 

I spoke to four different Chase representatives by phone on XX/XX/2019, but none of them indicated that they could resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I believe it was the first week in XX/XX/2019 and my wife and I stopped in the XXXX XXXX in XXXX Maryland to purchase luggage. We were told they didn't have any there in two sizes and where referred to their web site. I got home and ordered the luggage on their site and was told that i was automatically approved for a credit card and therefore a 15 % discount on this purchase. I said OK and had to fill out a form and did. I received the luggage XX/XX/XXXX and XXXX 2019 as close as I an remember. On the XXXX i received a letter turning me down by XXXX XXXX Bank. I have a XXXX XXXX score or a couple of points either way depending on the agency. I called XXXX on XX/XX/2019 at XXXX and was asked, not by a person but by software to type in my social security number. I hung up called back only to be asked again to type in my SSI #. i finally dialed Zero and got a XXXX who defended this practise so I informed her I would certainly let everyone I know of this event. My complaint is on the legality of asking for my personal information by a computer. I also want to know what different ssi # was on my pre approval and why did not someone contact me right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: CA

Complaint narrative:
I received a collection letter from USI Solutions , Inc.  Dated XX/XX/2019 stating I owe the amount of {$52.00} to a Company called XXXX XXXX, ( attached ). I informed them in writing ( attached ) on XX/XX/2019 that I knew noting about this Debt nor have I ever done business with XXXX XXXX, this was within the 30 days they stipulated in their letter. My letter was sent certified mail and it was signed for by their representative on XX/XX/2019 ( attached ). As of today XX/XX/2019 I have not had a reply from USI Solutions , Inc. even though I specifically asked for a reply. My understanding is they have 30 days to reply and we are well past that deadline. My concern is not so much as the dollar amount since it is a relatively small amount, but the fact I know nothing about this Debt or XXXX XXXX and I need to get to the bottom of this before my credit is impacted for a debt that I do not owe. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I live in a condo. I have own this condo for at least 15 years. The condo was in my corporation 's name which is XXXX. XXXX XXXX. I refinanced 4 years ago but had to take the condo out of the corporation 's name and put in my name. At the time that I refinanced I was not aware nor did Ditech tell me that I had to have insurance to cover the inside of my condo. XX/XX/2017 the entire building caught a fire and the fire marshall made all 24 famlies move out. I wrote Ditech and sent all necessary information concerning the fire in order to get a delay of payments. They denied that request. Since the fire I have been paying my mortgage even though I am paying rent for another location. In XX/XX/XXXX Dtech wrote me and ask for proof of insurance. I told them that My Condo Association have insurance and have agreed to replace the building including the insides. Apparently that answer was not sufficient. I tried getting insurance for the inside of the condo but the insurance company told me that I would have to wait until the building is rebuilt. Meanwhile Ditech added inside insurance for my unit. My question to you is how can they add insurance to a burn down building and I am not allowed to nor can i stay there? Isnt that illegal. The building is still vacant and boarded up per the city.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.

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 2019-03-21 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: AZ

Complaint narrative:
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Firstsource is engaging in said violations of latter federal statutes. Firstsource did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Diversified Consultants INC. has added a collection file to my credit report for a XXXX bill that I do not own I have never had XXXX  and i have contacted XXXX  before and explained this to them. They must have the wrong XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

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 2019-03-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

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 2019-03-21 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit file that I do not owe. I paid the total debt off. Last I checked I had no remainder balance. I did not receive phone calls, letters or any notification of any remaining balance. They are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
A Paypal credit card from Synchrony Bank was fraudulently opened in my name. I learned of it when I had a note fromnthe post office that they had tried to send me a certified letter. I called them and found out a credit card was opened, maxed out and past due. I filed a fraudulent application claim, mailed back the fraud form they sent me and waited. I have just received in the mail 2 things, a letter stating they denied my claim and a new credit card. All the letter stated was that I had " benefitted from use of card/participated in the purchases ''. No other information or explanation. I never applied for or received this card.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: PA

Complaint narrative:
I was contacted by XXXX XXXX XXXX , Inc. under the pretenses that I had a student loan that was deliquent with XXXX XXXX. The amount claimed was $ XXXX. The representative rattled off several of my current accounts, my email address, address, and then said that I couldn't escape from a student loan and after reading me my XXXX XXXX account number said they would start action. 

When I asked for more details I was badgered about avoiding my debt, trying to use tactics to change the subject, an insistence that I couldn't walk away from my student loans. 

I proceeded to dig more, called back and spoke to a supervisor XXXX XXXX. While not as aggressive or misleading about my the debt did say that if the opportunity arose the firm would look to bring action. 

The debt in question is from XXXX and went delinquent in XXXX. This is the second time in three years this group has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
HI THERE, I HAVE CONTACED TO CONVERGENT OUTSOURCI # XXXX. I TOLD THEM IN WRITING THAT THE XXXX XXXX ACCOUNT WAS OPEN DUE TO FRAUDULENT ACTIVITY. I NEED GOVERNMENT 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 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
This is actually a two-fold issue : attempt to collect a debt that was already paid and attempt to collect more than owed. On XX/XX/XXXX, I received a phone call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX ( XXXX XXXX ). I do not recall the exact amount, but it was around {$320.00}. I had paid this account IN FULL to XXXX XXXX on XX/XX/XXXX in the amount of {$270.00}, which was the total amount due. 

After hanging up with Transworld Systems, I called XXXX XXXX and confirmed that my previous payment of {$270.00} was the only amount owed and my balance was {$0.00}. They also indicated that they do not use Transworld Systems for any collections and that they would contact Transworld Systems. 

On XX/XX/XXXX, I received another call from Transworld Systems ( XXXX ) indicating that they were attempting to collect a debt for monies owed to XXXX XXXX. I indicated to the caller that the account with XXXX XXXX had been settled two months ago and that XXXX XXXX had indicated they did not use Transworld Systems for any collections. They indicated that they would get in touch with XXXX XXXX. 

I then called XXXX XXXX and was assured that they had contacted Transworld Systems in XX/XX/XXXX to let them know they should not be calling about this account. I was assured that they would be contacting Transworld again because " this is bordering on harassment. '' ( Their words, not mine ... although I agree. )

Company response to consumer: Closed with explanation