vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I'm filing this complaint because Experian - REPORTING # XXXX AND REPORT # XXXX has ignored my request to provide me with the documents that their company has on file that was use to verify the accounts I disputed. being that they have gone pass the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( a ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. please resolve the matter as soon as possible. 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 2018-08-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I attempted to call AMEX customer service via phone on XX/XX/XXXX and spoke to a supervisor with no success. 
Amount in dispute as of XX/XX/XXXX is {$5500.00}. 

I received the XXXX 10 % cash back offer on my XXXX XXXX card. I possess numerous Authorized accounts that had the same offer. AMEX allows the primary account holder to add additional members to their accounts. Each new member would receive an unique account number and treated as an additional authorized user. I added the offer to each of additional member 's account and made the eligible purchases and received credits. 

On XX/XX/XXXX, I received 42 emails telling me to expect reversals on those credits that I received. As of XX/XX/XXXX I noticed {$5500.00} in reversals. 

The fine print of the offer states the limit was per card member than primary account holder or " card across all Amex Offer channels ''. 

Members receive a notification email for each qualifying purchase. The email states that " if they meet the terms of the offer, you will have successfully redeemed the offer '' by logic, if terms are met AMEX will issue the credit. AMEX proceeds to issue a credit a few business days after the notification email. The credits would serve as a notification that the member qualified for the said offer. 
Members have no reason to doubt they did not the meet the terms of the offer due AMEX issuing the said credits. 

XX/XX/XXXX AMEX decides to change terms and condition of the offer and processes reversals on all the issued credits almost 3 months later. I consider this a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX holds a debt for XXXX. I told them and disputed that XXXX renewed my contract without my knowledge and charged me for it. I had switched to XXXX at the time but XXXX kept charging me even after my contract was up.

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 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
On XX/XX/2018 I was notified on my credit report the same debt that was disputed before and removed is back on my credit report because the debt is purchased by another collector. The company is stating that I had business with XXXX XXXX and owe {$1500.00}. XXXX  removed the same debt 6 months ago and now its returned by this company. This debt is not mine and it was proven by dispute with XXXX  that it wasnt mine 6 months ago. Im writing today because the debt is purchased by different debt collecting companies and now its back on my credit report. This debt buyer " parked '' the debt on my credit report and re-aged the status of debt in which is not mine. This debt collection practice of placing this debt on my credit report is 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 2018-08-31 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 received a notification from XXXX that a new collation account was added I was not aware of this no document statement or right to dispute the debt was received

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Good Morning, I have been dealing with this nightmare for way to long. ive had my identity stolen and apparently it still is. I have all kinds of cell phone debt on my credit report but i never opened them. I can not get ANYTHING because of this! 
i try and apply for any type of credit and they can not help me because what was one XXXX is now - .... My credit score can not be found. 
Please help me! 
I want to start college and can not do anything!

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 2018-08-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
New Bargain and Sale Deed was awarded on my home of eleven and a half years to my young son and myself. 

Oregon Divorce Court. XXXX County, XXXX XXXX. OREGON # XXXX - XXXX XX/XX/XXXX XXXX XXXX I would like to write one cheque and pay out loan. XXXX USD. 

Shellpoint Mortgage Service playing games. Requesting Court Docs. Emailed them 4x. 

XXXX XXXX did this for three years also. ( prior servicer on ex husbands loan ) Ex husband is a XXXX  XXXX  with XXXX XXXX XXXX. He also filed bankrupty on this loan in XXXX. 

My young son and I would like to move forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I used to have chase account before I came back to XXXX XXXX. And I closed it and swifted money into my XXXX account at XXXX. But at XXXX, it was delayed, and now it cancelled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Debit Card number XXXX XXXX XXXX XXXX My Citi account number XXXX My name is XXXX XXXX. 
Citibank started to charge me monthly fee {$25.00} each month without any prior notification to me. Previously the fee schedule was without monthly service fee. 
The loss is summarized below : I was charged XXXX dollars on XX/XX/XXXX. 
I was charged XXXX dollars on XX/XX/XXXX. 
TOTAL XXXX dollars. 
I closed my account on XX/XX/XXXX when I noticed these unauthorized fees in my 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 2018-08-31 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Every three months for the last two years someone tries to open a credit card in my name through chase bank. It's always a XXXX card and I have to call chase they have removed some of them but not the last three there still on my report ... .. please help Dates are XX/XX/2018, XX/XX/2018 and XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
onXX/XX/XXXX or XX/XX/XXXX I came to Chase Bank which located in the XXXX XXXX XXXX XXXX, XXXX AZ XXXX, with my friend to deposit cash around {$1400.00} to ATM machine which stand in the lobby. We deposited two times coz one time can not deposit all of them, and when we do the second time, the machine was stuck and after 5-10 mins loading circle, the screen showed need the bank supports help, and the ATM machine didn't come out any receipt or paper to show what's going on. we called the staff from bank to help us, they suggested us to call the bank customer service to do the claim service, I called and built the claim case with Chase customer service, they just said they'll do the investigation process and will resolve within 10 business days, on XX/XX/2018, I checked my bank app, there is a credit added {$1400.00} into my recent transaction, but today when I logged into my online account, on XX/XX/2018, I saw there is a claim reversal transaction showed up, which is that {$1400.00} amount was reversal, then I called the bank, they said they can not do anything about this solution coz they already went through the claim process and their back office gave this result. but I'm definitely disagree with this, coz i deposited the cash in the lobby on that day, my friends and the lobby staff also saw that, coz there is one staff came to ask us is this machine works well, we answered yes, and they explained with us, coz some guest use this machine to deposit money but got in some trouble before so they questioned. that means they knew this machine got some problem. but i called the bank customer service to ask if there any other way can do it again, they said there is nothing he can do. i am so angry with this answer, coz i was depositing my money through your bank ATM machine, but is the machine comes out the problem not because i'm lied, according to he said can not do anything, the only thing i can do is to complain the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: GA

Complaint narrative:
After reviewing my credit report I noticed a fraudulent account. I was told the only way to remove this was to pay the entire amount off. After finding out this was not accurate, and under the fair credit reporting act its illegal for them to keep this on my report. I hired a company to handle the situation in my behalf. As of now they have informed me that they sent off an affidavit for identity theft. I am still getting harassed by this company. They have continued to drag my accounts down for the past two years, with fraudulent late fees and remarks on an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliver Beach Mortgage, LLC
State: AZ

Complaint narrative:
I am requesting a refund of the appraisal for which I paid {$550.00} on XX/XX/2018, and of the {$44.00} late fee for our XX/XX/XXXX mortgage payment ( total {$590.00} ). Since learning that that we can not get approved for the refi, I contacted my loan specialist 's boss twice to request the refund, but it has been a week and no response. 

We were working on closing with the refi lender since XX/XX/XXXX, and after we provided everything that was asked for, we learned last week that the  refi was not going to close. Earlier correspondence said the appraisal could not be refunded if we chose to not close, but this failure to close was not by our choice, and the company is not responding to our request to refund the appraisal. 

Additionally, I paid the XX/XX/XXXX mortgage payment before receiving the message that I should pay it and that the loan would not close, but the date was still too late to avoid the late charge. It was communicated to us in an earlier email to not make the payment and that the company would pay any late charges. 

Incidentally, the company solicited us by a letter that named the FHA Streamline, during the same month that we initially bought the home. We later learned that we were not home owners of the property long enough to qualify for the Streamlined, and so XXXX XXXX therefore attempted a Simple refi program instead of a Streamlined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
I checked my credit report and I noticed that there was collection account on my credit report. It is fraudulent and I do not know where it comes from. I contacted the company several times asking for accurate validation to no avail. I need to see signatures I told them and where this account originated from and still nothing yet. I will be contacting the consumer attorney if this issue is not resolved ASAP. Attached is my affidavit of identity theft paperwork that is notarized as well. Credit Management LP has stolen my personal information and placed a collection on my account. According to the FCRA, this item must be removed from all three credit bureaus when resulting from identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
Social Security : XXXX ; XXXX XXXX. False information ( account was reported opened on XX/XX/XXXX ) ; I did not open any account with XXXX or it's affiliate. I do not know of this debt and the last time I owned a XXXX account was back in XXXX, which I wasn't aware of any debt owed, how come I get a collection reported on my credit seven years later? Please, consumers, need to be protected. XXXX XXXX please remove this information as it is inaccurate and should not be on my credit. No account number listed, but information provided was XXXX, XXXX. Send me detailed information that indicates I own the debt, date opened, break down of all payments, and guide to dispute inaccuracies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My original student loan with Navient was {$7700.00}. It is now {$12000.00} down from {$14000.00} at it's height due to diligent payments. I feel like I'll never get it paid off. While in school ( XXXX to XXXX ) and during a phase of unemployment during ( XX/XX/XXXX to XX/XX/XXXX ) they offered forbearance as my only option. I took it. Then they capitalized my interest in the amount of {$5500.00} and charged a repayment fee of {$390.00}. My interest rate is now 11 %. My payments go to pay the interest on the interest, barely touching my principle. I've called them to ask for a lower interest rate. They have refused multiple times : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Their record keeping is less than professional and their staff is untrained in providing options for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I spoke with CCS onXX/XX/2018 and advised them that the debt was invalid. They claimed that the debt was from {$200.00}. I advised them that I never done any business with there company and to remove the debt from my report. The agents weren't helpful at all about removing the false debt from my report. I did advise them that I would file file a complaint I am a victim of identity theft and I am requesting help with having this false debt removed from my report.

The company name is CCS and is on my XXXX  credit report for {$200.00}. The code on my report is Code # XXXX  and the phone number listed for them is XXXX. Address : Ccs XXXX XXXX XXXX XXXX   MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc bank switched the order of transactions on my checking acct on XX/XX/XXXX causing a pending charge of {$8.00} ( XXXX ) to pull from available funds before a charge of {$9.00} ( XXXX ) that was run a week prior and cleared the account. This deceptive and predatory practice resulted in me being charged an overdraft fee on the {$9.00}. Also I made a deposit on XX/XX/XXXX of {$120.00} to cover a further negative balance in the account. I was charge an additional overdraft fee after I made the deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
my complaint is with you. I receive e- mails from you, I have a case number but when I call to give you up dates you say you have no records of my case under my name or e- mail address. WHY? my case number is XXXX if I do not exist how is it you send me e-mails

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 2018-08-31 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: IN

Complaint narrative:
On XX/XX/XXXX, I called Equifax to find out about the resolution of a dispute that I could not view online, a derogatory mark of bankruptcy that is on my credit report. I explained to them that XXXX removed the negative remark from my credit report and that I wanted them to do the same. Equifax removed the derogatory remark from my credit report and then put it back on my credit report because it shows they did. So how is it that they cant remove it, which is what I was told. They explained that the mark would stay on my credit report for the full 10 years. It has been 9 years. I explained to them that the law says 7-10 years it will stay on your credit report, not just 10, and if one credit bureau can remove the mark then the other credit bureaus have the same ability. I have gone on their website to submit additional disputes and now there website is telling me that I cant file another dispute because my information that I'm entering in about me is inaccurate, which is COMPLETELY incorrect. I have tried to go through XXXX XXXX to submit a dispute in regards to this derogatory mark still being on my credit report and all there website does is redirect me to Equifax. I have called and spoken to several managers at Equifax to get this issue resolved and have had no avail. This mark has been on my credit report for 9 years. It's time for it to be removed. I have re-established my credit with credit cards, 2 mortgages, personal loans and several other lines of credit and have had them all in good standing. I have paid my debt for not being a good consumer initially and now that I'm responsible this should not be something that continuously holds me back from lower or better rates and or less interest paid on monies borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have checked my report thru the monitoring service and see several items that are NOT MINE and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information off of my report being from reading here this is damaging my scores and I want it removed from my credit report being I know nothing about these items

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 2018-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have encountered daily overdraft fees ( {$38.00} each time ) from M & T Bank. Additionally, they tack on another {$38.00} for every five days that the account is in the red. This makes it impossible to get the account into the black. On XX/XX/2018, I requested that the bank waive the fees for the prior two-week period in an effort to resolve the issue. I explained that my dog had recently had a {$700.00} surgery which left me with little in the way of money for that pay period. When I was paid on XX/XX/XXXX, the account remained in the negative due to their exorbitant overdraft fees. I received a response from the bank indicating that they would not waive any of the fees as I had requested they waive some in the past. They made no effort to provide any semblance of customer service and their fees are costing me hundreds of dollars that I don't have.

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