vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
Portfolio Recovery claims to have bought debt from credit card companies that have charged them off. They file derogatory reports on my XXXX XXXX Credit report, and others, that negatively affect my credit score. If it  persists, they will find themselves in a number of consumer reports filed against them at every possible agency involved in protecting consumer rights. If they can not bring the issue to a court of law, obviously they have no credibility in collecting the debt and can only harass and threaten me. I will also file a complaints against the credit reporting agencies. 

Companies involved : Portfolio recovery XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2018 they say I entered XXXX XXXX XXXX but at that exact month I was XXXX this is not mines my father has same name as me I wasn't released until XX/XX/XXXX so how could I have entered the emergency room

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: OR

Complaint narrative:
We were charged twice for the month of XX/XX/XXXX and told there was nothing they could do except charge us. Weve never been late and always made payments. They now expect us after paying twice to pay the month of XX/XX/XXXX unless we want late fees. Thankfully we have the money but it is shady that we got double charged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITY CREEK MORTGAGE CORP.
State: UT

Complaint narrative:
We applied for a loan with City Creek Mortgage Corp and we never received an official loan estimate even though we provided all of our information and even signed several documents. They only provided a costs worksheet that had the words " Get an official Loan Estimate before choosing a loan '' which we assumed they would provide to us. 

Several weeks go by and we never receive one. They sent us an email to rate lock but it happened differently than normal. They didn't provide an official loan estimate and they only asked for a verbal rate lock. Overall, pretty sketchy. 

In addition, we received an email that said our quoted closing costs of {$1700.00} to {$3000.00}, which they provided in their " costs worksheets '', were now {$5100.00}. Overall, it seems as though they're trying to snooker people. 

Lastly, they did not abide by certain provisions in the contract. They disregarded the provision for the splitting of closing costs between the buyer and the seller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Yakima County Credit Service, INC
State: WA

Complaint narrative:
On XX/XX/18 I received a call from YCCS at the number XXXX. When I returned the call they demanded highly sensitive personal information but would not tell me who they represented or why they were calling. When I finally got them to admit to what they were and what service it was, they transferred me to another employee who, again, would not tell me the purpose or details of why they were calling. 

They demanded, without notifying me as to why : Full legal name Full address Any previous addresses Telephone number Partial Social Security Number and various other demands just to explain as to why they were calling so that I could even say if the phone number they called me on was the person they were looking for. 

They gave, even under repeated questioning as to the purpose of their call, zero answers or indication as to why they were calling. 

They also never sent me any written validation statement as to me owing any debt, as again I believe this call is a mistaken identity and in error, and only continued to demand I reveal my full legal identity and many other personal information points to a level of harassment that would constitute a scammer trying to swipe my identity.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I walked into Bank of America on XX/XX/2018 and requested that my bank account be closed because of two fraudulent charges that occurred on my account previously. Bank of America had credited my account on XX/XX/2018 a total of {$190.00} which is the money that was stolen from me before XX/XX/2018. But what doesn't make sense is the fact that Bank of America sent {$190.00} to a closed account. I spoke with XXXX XXXX ( Relationship Manager ) at the XXXX XXXX XXXX. XXXX TX XXXX Bank of America location. He assured me I would be receiving a check in the mail from Bank of America in the  total amount of money that was lingering in my supposed closed account. Then on XX/XX/2018 I called Bank of America to ask when should I be receiving my money from them because as of today ( XX/XX/2018 ) I still have not received one red XXXX from them. The representative on the phone told me that according to Bank of America Records she does not see a closing date for my account but assured me she could see the money in the account. It should not take almost 2 months to close an account! All I want is the money I work hard for back to me ASAP. I have been patient with Bank of America but because they are holding this money I am falling behind on my expenses that need to be taken care of month to month. Please help me get what is rightfully mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have a loan with BMW FINANCIAL SERVIC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and BMW FINANCIAL SERVIC with no successful resolution. XXXX, XXXX and XXXX were the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018 my computer was compromised from scammers that posed as XXXX Customer Service. They asked my assistant to install software to share a screen on my computer and from there, were in my computer, taking all of my files and logging onto my Chase.com bank account. They sent a wire transfer of {$21000.00} from my Chase business account to their account at XXXX XXXX and then onto XXXX XXXX XXXX XXXX I luckily caught the whole thing 20 minutes after it happened and immediately called Chase 's claims department to ask them to freeze the account and stop payment. They froze my account and filed a claim, but NEVER contacted the scammer/hacker 's receiving bank to tell them to reject payment. They simply filed a claim and never took further action. This was negligent. They should have taken further action and the wire could have been stopped since it was caught so quickly. I kept calling Chase to follow up about the situation and I was told that my claim was denied because " I benefited from the funds. '' Their claims department had noted that {$21000.00} was a fraudulent wire ( which it was ) AND that another wire that I do everything month for {$7200.00} was fraudulent ( but it wasn't fraud and I never said it was on my call - and they just accidentally included this in their claim report. ) When I called to show them the police report which I filed immediately and tell them the entire story they kept me waiting and waiting for weeks. I also told them that their claims department marked 2 wires as FRAUD, but only one was and that I needed them to only investigate and look into the {$21000.00} fraud wire to XXXX/XXXX  and to correct THEIR mistake immediately. I finally asked to be transferred to the highest office - the executive office and Mr. XXXX XXXX 's team. I explained the crime, that Chase was negligent and that my money should be insured and should have been returned back to me. They denied my claim again. I had to re-explain that their claims department marked TWO wire transfers as fraud when I was only referring to/asking for ONE to be marked as fraud. No one has gotten back to me. 

I have no reason to be making up this story. I have no debt, I make plenty of money per year and this entire ordeal is a waste of my time. I deserve my money back and Chase needs to get a way better claims department and procedure in place for wire scams. This is only going to continue to happen and banks need to act quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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:
For several months, I can not transfer my Membership Rewards point to airline partner. I've called customer service but still no resolution to this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
My XX/XX/XXXX statement indicated a minimum payment due on XX/XX/XXXX in the amount of {$30.00}. 

It also indicated a promotional plan expiration date of XX/XX/XXXX with a remaining balance of {$35.00}. 

On XX/XX/XXXX I made a payment of {$30.00}. On XX/XX/XXXX I made a payment of {$36.00}. 

On XX/XX/XXXX I contacted Customer Care to confirm that the amount above the minimum was applied to the promotional balance. I received written confirmation that it would be. However, my XX/XX/XXXX statement reflected otherwise. Subsequently, interest charges were applied. 

I filed a complaint with CFPB. The company responded but did not provide accurate information. CFPB closed the complaint without allowing rebuttal. This complaint includes additional documentation which reflects XXXX   failure to honor promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
The company did not give me the credit for the principle reduction. Further I was not notified by Ocwen about the settlement with the government despite writing them for the last 6 years. Why was I not included in the principle reduction. I have letters from that state my principle balance without the balloon payment. After I reported Ocwen to CFPB they went o. The attack made changes to my credit report and dropped my score over 30 points. I disagree with their response to you. Consumers including myself are still suffering at the hands of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: VA

Complaint narrative:
I wrote Experian certified mail XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX asking them to validate the following collection agency debt they say owe. I also wrote the reporting collection agency by certified mail and was sent my medical infor with no hippa release as well as Experian Credit Bureau Re-ageing these account. Experian claims they did their investigation and refused to delete inaccurant account. 

XXXX XXXX XXXX- $ XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- XXXX XXXX-Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Opened XX/XX/XXXX Date Last Active XX/XX/XXXX XXXX XXXX XXXX- {$61.00} Date Opened XX/XX/XXXX Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX This grossly fraud by Experian and these Collection Agency I have listed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
On XX/XX/XXXX, I sent a letter of dispute to a collection agency named XXXX XXXX XXXX ( ERC ), in regards to an account that they have been reporting under my name and social security number, with an amount of {$1300.00} which they claim I owe them, to all 3 credit reporting bureaus, with an open date of XX/XX/XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 2 follow-up letters since then, dated XX/XX/XXXX, and XX/XX/XXXX, to which they have not responded. I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: NC

Complaint narrative:
So on XX/XX/2018 I get a update from XXXX XXXX  stating that XXXX has been removed from my Equifax credit file..I contacted Equifax and they stated that XXXX stated that the account belongs to me ... I contacted XXXX numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from equifax and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. Equifax keep updating with XXXX XXXX that account is remove which now they saying it was updated to change account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XX/XX/XXXX my credit score with Transunion was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my XXXX scorer dropped 89 points in 2 days. 
I called a Transunion and the dropped seem to correspond. 
Now this sudden drop in XXXX. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Credit Karma, LLC
State: NC

Complaint narrative:
So on XX/XX/2018 I get a update from credit karma stating that XXXX has been removed from my XXXX  credit file..I contacted XXXX  and they stated that XXXX stated that the account belongs to me ... I contacted XXXX  numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from XXXX and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. XXXX  keep updating with credit karma that account is remove which now they saying it was updated to change account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I've disputed this several times. 
I've been living in XXXX  for the last year and before that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

<br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br> These inquires need to be deleted from my credit reports as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I opened a auto loan and had to pay higher interest due to my debt to income. I was a little confused when I knew my debt to income wasn't that high. So XX/XX/XXXX I went to open a motorcycle loan up. I received a call from the credit union saying I have a excessive amount of payments I make monthly and they were uncertain I could afford the purchase I tried to make. At this point i wanted to see what was going on. After reviewing my credit report the credit union pointed out acima credit was reporting I was making almost $ 800 month payments and failed to report for several months and was breaking federal laws. I had to contact acima and wait for documents saying they made mistakes. This was a very stressful time and still effects me to this day. The balance acima has now is just interest. I paid the total purchase price. I told acima that seeing what I was put through and the fact I'm paying higher interest on my auto loan because of there mistakes that i want the account closed and I'm not paying the interest they want. I even offered to pay a little more but I felt they owed me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/XXXX my credit score with XXXX was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my Equifax scorer dropped 89 points in 2 days. 
I called a XXXX and the dropped seem to correspond. 
Now this sudden drop in Equifax. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer

Company response to consumer: Closed with explanation