vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
RE : Complaint # XXXX filed with CFPB on XX/XX/2017. 

CFPB closed my complaint in error after receiving a response from Wells Fargo in error. The response provided by Wells Fargo only provided information regarding the terms of the HELOC. The concerns provided in my complaint were not addressed. 

The subject of my complaint were not addressed in their response. My complaint referred to payment installments of XX/XX/XXXX and XX/XX/2017 where the entire payment was only applied to principal. In reprocessing these payments, serious errors occurred and they said the XX/XX/XXXX payment was pass due by 23 days and that the XX/XX/XXXX payment was still due. Wells Fargo also notified the credit bureaus of the past due amount. Refer to the information initially provided in this complaint. 

Please either reopen the original complaint ( above number ) or open a new complaint to address the errors and issues by Wells Fargo that were never addressed in their response.

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 2018-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focus Holding Company
State: IN

Complaint narrative:
IT started with XXXX XXXX i called them up XX/XX/XXXX for shipping boxes and called three straight weeks with my address did not get, i do owe XXXX XXXX and did my best to pay bill but got nothing back from them until i got a call from XXXX XXXX mange about bill.XX/XX/XXXX they said they had all my information but did not have my address. They put collection on my credit before they called or got any thing in the mail, i have lived at this address for three years, the address they had was rental for a family member which the cable was in my name.so i called them a day later to make a deal if they would write a letter to clear negative remarks on my credit and i would pay bill they said they won t do that. so they refused my money to pay off bill they wanted money first then send letter saying it was pay, they wanted my new existing address i will not give to them once again i will pay this. But the thing is they messed my good credit up and did not let me know until after they put in for collection. Did not give me a chance to pay off bill i worked for years to get my score up and they screwed  it up by not contacting me they had my cell but got no voice mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AL

Complaint narrative:
I filed for Loan Forgiveness on XX/XX/XXXX with XXXX. On XX/XX/XXXX, I adjusted my payment plan to a Pay as You Earn ( PAYE ) plan, per the requirements of the Loan Forgiveness program. An additional requirement was that my loan servicer became XXXX. I filed all of the appropriate paperwork, and was told that, after switching to an income-based plan, my monthly payments would be {$220.00} per month. My loans were then transferred from XXXX to XXXX and I began my monthly {$220.00} payments on XX/XX/XXXX. On XX/XX/XXXX, I re-filed my Income-Driven Repayment plan request ( IDR request ) for the Loan Forgiveness program with XXXX ( and nothing about my income, employer, residence, etc has changed ). I was told that, based on my income level, my monthly payments should be {$10.00} per month, beginning XX/XX/XXXX. I contacted XXXX Customer Service Department on XX/XX/XXXX to inquire about why my monthly payment has drastically decreased despite nothing about my employment or income has changed. I was told that I should have been paying {$10.00} per month all along, and it must have been an " error '' from my previous loan servicer, XXXX. The gentleman from XXXX told me that, XXXX must not have had all of the information to complete my PAYE request on XX/XX/XXXX, although I received confirmation of my request from XXXX, and that I had been paying the standard payment. I also have no record of being informed that XXXX could not complete the IDR request and were therefore doing to change me to the standard payment plan. The gentleman told me that XXXX could not reimburse me for my excessive payments for the last year because they charge what my previous loan servicer told them to charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score.  XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, XXXX and Transunion are cause for investigation into the companies themselves.

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 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX  placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score. XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, Equifax and XXXX  are cause for investigation into the companies themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am attempting to open an account with XXXX XXXX for a XXXX business checking account and I was declined. I requested the report from XXXX  and I have a derogatory report that shows no information of how it was closed. I closed my Bank of America account on good terms and it was due to questionable fees, many that were waived. I have since received an additional repayment due to a class action suit against BOA with regard to their fee structure. The original charge amount was {$530.00} and the closure status is " Not Reported '' on the XXXX report. My additional repayment amount was between $ 50-100. 

I want to resolve this as efficiently and effectively as possible to proceed with opening up the account for my business in next month or two.

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 2018-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased an item from XXXX XXXX for {$32.00} on my 1240 mysynchrony card. Unfortunately the sales person put this on a " DEFERRED-NO INT IF PD IN FULL '' which meant that the payments would not be made automatically like my " EQUAL PAYMENT NO INTEREST '' purchases. 
I contacted mysynchrony that I wanted to pay off the {$32.00} amount. They responded on XX/XX/XXXX " Once your payment has posted to your account you may contact us at XXXX or via the Online Messaging CenteXXXX and we will be happy to apply your payment as requested. '' On XX/XX/XXXX I wrote to the bank that my payment had posted and again repeated the specific payment to the {$32.00} purchase on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX  responded " Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. '' However XXXX XXXX did NOT pay off the {$32.00} payment but rather applied my {$32.00} payment to my entire balance reducing my next payment of {$730.00} to {$700.00}. That payment should not have been changed since the {$32.00} was to have been applied ONLY to the {$32.00} purchase from XX/XX/XXXX. 
The result is that I may now incur interest payments on the {$32.00} as this amount was not paid off as I specifically requested in writing.

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 2018-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
cra violation, idtheft report, po report inaccurate information reporting best of my are not mine ( knowledge of accounts ) are unaware XXXX breach has cost me my life

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 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: WI

Complaint narrative:
Applied for XXXX XXXX US Bank XXXX XXXX card on XX/XX/XXXX after receiving offer for {$150.00} welcome bonus for spending {$500.00} in first 90 days of opening account. 

After meeting terms, I called on XX/XX/XXXX to inquire about receiving bonus. I was told i needed to provide the advertisement in order to receive the credit. 

The offer was through an online landing page, and no terms were provided after signing up through the promotional landing page. 

They are currently running the same promotion and have advertisements for applications received XX/XX/XXXX through XX/XX/XXXX. They will not accept this promotional advertisement as proof as the card was applied for on XX/XX/XXXX and it was a prior promotion.

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 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I have Freedom Chase Credit Card. I called Chase about 2 months ago asking for an adjustment on my payment plan because I lost my job in the past and was unable to make payments on the due dates for a few months. Well now I'm stable and so I requested a new payment plan and due date. The customer service representative SAID she was able to set this up for me, and put me on a new payment plan where my credit card bill would be due on the XX/XX/XXXXof each month, and if I paid {$300.00} for XX/XX/XXXX and XX/XX/XXXXmy bill would go down to {$200.00} a month by XX/XX/XXXX. Little did I know this request was never actually put into action. Late fees started piling up, and the promise of the new plan wasn't fulfilled. I called Chase again after that after seeing my account of the late fees and the unchanged due date. The customer representative said it would be taken care of. I then call again two other times to see if it has been changed, and they reassured me it would be. Well, today, I look at my online credit card account and it still hasn't changed. They never even took the continuous late charge fess off for the last 2 months that aren't suppose to be there if they fulfilled their payment plan promise. No matter how many times I call nothing is changed or anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I MADE A PAYMENT OF {$800.00} FOR MY CREDIT CARD HSBC ( XXXX XXXX ) THROUGH MY XXXX CHECKING ACCOUNT. XXXX XXXX TOOK OUT {$800.00} FROM MY CHECKING ACCOUNT ON XX/XX/XXXX. I CALLED XXXX XXXX  ON XX/XX/XXXX, THEY DID NOT RECEIVE IT. HSBC HAD VERY BAD CUSTOMER SERVICE.MOST OF CALLS GOES OUT OF USA. ONE CALLS TAKES MORE THAN 30 MINS. XXXX XXXX   EMPLOYEES DO NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER. HSBC HAD DONE SIMILAR MISTAKE EARLIER ALSO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Back in XX/XX/2016 I received an offer via mail for the XXXX XXXX Card and it appeared as a good deal with low interest rates. But once activated the company hit me with undisclosed fees and upon trying to close the account the company would not allow me to. But rather continued to charge me their fees and not allow me to close and to this day report negative info to my credit reports. And now they have also sold account off to a collector named XXXX XXXX XXXX making it even worst and Then when I filed the first complaint with CFPB they stated that the account is not theirs, but yet they continue to send me statements wanting payments. I have also filed a Complaint with the State Attorney and the Florida Office of Financial Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I purchased the property ( XXXX XXXX XXXX XXXX, PA ) in XX/XX/XXXX from XXXX XXXX XXXX.Made my monthly payments regularly until XX/XX/XXXX when i was behind by two payments due to loss of full time employment in XXXX. 
During this period I requested a loan modification so as to catch up on the delinquency.I 've been denied loan modification for the past 5 years ( see attached documents detailing mortgage payments and letters of denial of loan modification )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 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: DISCOVER BANK
State: SC

Complaint narrative:
When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. 

I am an online statement customer. 

I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. 

From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers.

I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. 

The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? 

Please advise if this law is still in effect and if it is ; how do I make Discover accountable. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Newman & Marquez, P.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I moved to XXXX for a XXXX XXXX after college. This was a big change and didn't have a physician, doctor or anything. So in XX/XX/XXXX I went to an XXXX XXXX in XXXX. The documents attached will give you all of the information. I went to the XXXX XXXX to find a new doctor and more information because I was trying to set up my life and all of that. Well I went to the XXXX XXXX in XX/XX/XXXX, and after two hours saw the doctor and she handed me a script and left. I decided to never go back there because it was very dirty and these places aren't too pleasant. Initially, I rarely remembered seeing the doctor. THEN TWO YEARS later I receive a medical debt collection. First I didn't remember this because I went to a new doctor right afterwards. After remembering, I was like is these even fair? I never received any bills or anything. Even when I moved all my mail was forwarded to me. I never had this problem. So instead of contacting me over the two years, they sent my bill right to debt collections. Is that legal? XXXX XXXX had my phone number and email. Then I never received anything in the mail. They never contacted me. Everyone I went to and XXXX XXXX I paid before my visit. But after two years I couldn't even remember.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have had multiple charges added to my account from the beginning due to Wells Fargo dealer services not accepting my full coverage insurance from day 1. 
I have currently and always have maintained full coverage insurance thru XXXX and have filled out the proper insurance info on their site link. I have also faxed multiple times proof of full coverage insurance to them at their company fax. I have received transmitted correctly info from the fax. Still after 2.5 years they are adding extra charges to my account, always have a excuse and as of 10 months ago, have increased my monthly payment to cover insurance they have added to my vehicle. I am behind every month on payments as I have a set payment of {$370.00} a month and I pay {$98.00} a month to XXXX for full coverage insurance. I get harassing calls from Wells Fargo from 4 to 6 times a day. I speak with their insurance experts, and still after 8 calls speaking with different agents nothing gets done. I was just charged a {$690.00}. fine ( insurance premium ) to my account again. This company has a habit of taking advantage of consumers. I have been charged for a insurance premium 3 times and the balance is placed on the current monthly payment. This makes it so I can not get caught up and I have to pay an enormous monthly payment.. No matter how much I pay, it is not possible to catch up, I could have gotten a brand new vehicle and paid less.. Please Help. My payments have increased to over {$430.00} a month plus shows me behind every month on my credit report and Wells Fargo dealer services will not help me, regardless of multiple conversations and faxes.. I am no seeing online that over 760k consumers are suffering the same issue..

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