vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I enrolled in electronic billing for  my American Express Cred it Card and to receive email notifications for when my bill is due. I do not have record of receiving an email bill for my  XXXX  or  XXXX   2017 . Because I had not used the card recently an {$11.00} balance went delinquent for 34 days before I caught the error. I do not have record of receiving a bill or warnings of a delinquent payment. As a result my  XXXX   credit score declin ed to  XXXX  from  XXXX . I have never been late on any payment prior to this insignificant balance bu t American Express is un willing to correct the error or acknowledge if an email was sent on the bill. To test the alert system in  XXXX     2017  I mis sed an {$11.00} payment by a couple of days to see what alerts American Express would provide, which it does not. I also noticed that American Express does not disclose the account is delinquent in the email only if you sign into your account to view the bill ( see attached image ). If you enroll in electronic billing and receive emails the credit companies should, at the least, provide an alert in the email that the bill is delinquent. They are saving money on paper bills and postage and could easily provide alerts that the bill is delinquent to avoid this issue on an insignificant balance. I called the company and was referred to three differen t departments and spent a couple of hours on the phone only  with 5 different people only to hear that there is nothing they could do to revise the delinquency because they are not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
This company Midland is trying to keep a very old debt on my credit file for over 7 years. The DLA is over 7 years. A statement showing I owe a min payment XXXX for $ XXXX is not evidence when this account DLA is. No credit card has a min payment of XXXX. This is violating my rights. I want this removed as it is PAST THE STATUTE OF LIMITATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I purchased a garage door opener and installation package from  Home Depot  and used the Home Depot credit card for the purchase. I purchased the unit in the store and brought it home.The installer came out and said there was an issue with the opener and had to take it back t o Home Depot. Home Depot s omehow called my mother who lives in Florida - to my knowledge her phone number is not on my Home Depot account - and advised her that I would have to buy a new opener since I purchased mine online ( which I did not ). The installers sai d Home Depot  would not release the unit to them, even though they are the in-house company  Home Depot  selected. I called  Home Depot ' s customer servic e three  times, they transferred me around and dropped my call, ultimately wasting my time and offering no resolution. All the while the opener and the install service remain on my credit account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
KIMBALL TIREY ST. JOHN # RON0****   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , CA 92108   XXXX   XXXX   XXXX   XXXX   The above referenced credit collector made a false report on my credit report, an d in it they claim that I owe them {$1200.00} for a debt that they are trying to collect for their client     XXXX   XXXX   XXXX  .   I lived in those apartments, and I paid all of my due rent. After I moved out they stole my deposit, and did n't return it to me. Some months later I did get a letter from  Kimball Tirey St. John in  which they claimed that I also owed {$1200.00} for cleaning of the apartment. I left the apartment in a clean condition. When I called them in order to set things right, they told me that they already reported it to the  Credit Reporting  agencies after I had a ruling against me. The thing is that I never got a Notice to  Appear  in order to contest their falce allegations. Please help me ; I am recently married, and I am trying to buy a home for my wife. I work as a   XXXX   XXXX   XXXX   XXXX   in a   XXXX   XXXX   school, and  XXXX  's false statements is affecting my ability to get a loan for a home.     Sincerely,  XXXX   XXXX   XXXX  cell

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On  XXXX   XXXX ,  2017 , I attempted to use  my Amazon Chase cre dit card in  XXXX  for a car rental. The card was declined. I later tried to use it at the hotel as well, only to find out that the card did n't work either.     My adult son has a sub-account of my Sapphire Chase card, and I did n't work at gas station in  XXXX   XXXX  NC on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I noticed that my auto-pays for a ll Chase cards were disabled. I called Chase and they told me that my Amazon and Freedom credit  cards were closed as of  XXXX   XXXX . No communication was sent to me about the account closure. No explanation was given from the representative w ho I initially talked to nor from her supervisor. I was told that I was unable to apply for a new Chase accoun t for 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
I purchased this property on  XXXX   XXXX ,  2016   ( fo reclosure ). I have paid my Mortgage every month until  XXXX . In  XXXX ,    2016  my mortgage lender informed me that I owed {$8600.00} property tax that they paid on my behalf. I have contacted DCRA, and was told the property is classified as Vacant and Blighted, and D C Tax & Revenue Office to res olve this matter. I have done the leg work for the mortgage company from  XXXX  til now and provided them how they can  get their refund back from DC Tax Revenue Office, How ever, before this matter is resolved my mortg age loan has been sold to another company. I have started all over again explaining my situation, since they are demanding to get paid the above amount. In  XXXX  my first mortgage loan company return my payment and advised me that the loan has been sold to another company Finally after my case went to  the Tax Appeals Commission Court, and granted the request for removal of the vacant and blighted property designation, I have attached a few documents to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Mobile banking app does n't update the correct balance. Which has caused multiple over drafts in the lifetime of my account. Some of which have been reversed but some that have not. They are slow to send information to  3rd  part applications such as "  XXXX  ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a joint chapter XXXX bankruptcy on XXXX XXXX, 2017 with my spouse. That bankruptcy was discharged on XXXX XXXX of 2017. My credit report with Equifax is still not reporting any information on my bankruptcy. It is not even showing that I filed. But, it 's showing correctly on my husbands report. I contacted Equifax and was told they are just a credit monitoring agency and they do n't make any updates to the report. Since XXXX of this year, I have spoken to at least 8 different reps. Today ( XXXX XXXX ) after my husband viewed his report, it showed that XXXX XXXX was the vendor that was reporting this information to Equifax. I talked to XXXX with XXXX XXXX today ( XXXX XXXX ) at XXXX CT. She told me that they were the public record vendor for Equifax. She also told me that XXXX XXXX  is reporting MY bankruptcy information to Equifax, but Equifax is not obligated to report any information about my bankruptcy on my credit report. She directed me to call Equifax. So I called Equifax again today and spoke to XXXX at XXXX CT. XXXX told me it 's the courts responsiblity to report my bankruptcy information to the court. I confirmed with the bankruptcy court, they do n't report anything to credit bureaus, the bureaus have their own vendors where they get that information from. I asked XXXX if there was another department or someone who was more knowledgeable about the situation, he said everyone there would say the same thing and they have the same information that he has, so he could n't transfer me. I 've been trying to get this information updated for 2 months now. Now I know they have this information, but are just refusing to report my bankruptcy. Not only that, but they told me I could dispute all of my debts, but even if all of my creditors report my debt as discharged in bankruptcy, my credit report will never update to reflect the bankruptcy in the public records section of my report. I also want to mention that this bankruptcy is showing on my husbands credit reports. Since we filed jointly and only 1 notice goes out to the bureaus with both of our information on it. I know they received the proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
mailed letter to TransUnion on  XXXX   XXXX ,  2017  asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  an d Tran Union still con firms that Chapter  XXXX  is verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy  Court  stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: TD BANK US HOLDING COMPANY
State: PR

Complaint narrative:
I received more than  XXXX  payday loans that I never applied for throug h TD Ba nk, in addition, I was charged overdraft fees because these payday loans companies at the same time that they were getting into my account they were non-stopping withdrawing money from my  TD Ban k account a nd TD B ank were charging me overdraft fees. All the cost me more than {$5000.00}  XXXX   XXXX . THIS IS NOT A DUPLICATE COMPLAINT SIN CE TD  BANK NEVER solved this matter. Re: XXXX  and  XXXX  for the already submitted bank summaries from my account w ith TD Bank . My  former address was :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NJ  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
We had been in constant communication with Bank of America through our account Manager XXXX, who was working on A loan modification with us. As of XX/XX/XXXX we had made a house payment so we would keep only 5 months behind and the arrears amount would not get any bigger. Bank of America accepted our payment and told us we were coded to make payments. On XX/XX/XXXX our circumstance changed and we were not needing the loan modification, and talked to XXXX on this day to inform her would like to bring balance current as well as current month. She sent me to the payment area of Bank of America where they gave me wiring instruction for XXXX XXXX XXXX XXXX to wire to Bank of America in the amount of XXXX. I set that up that morning at XXXX.. At XXXX was notified by XXXX XXXX that the wire was not accepted wrong beneficiary, I call bank of America, they went over the wire instructions and also informed me I had to pay XXXX.. So I called XXXX XXXX XXXX XXXX set up the wire again for the new amount of XXXX which is what my loan modification paper said plus a fee fromXX/XX/XXXX and XX/XX/XXXX house payment. Bank of America received the funds on XX/XX/XXXX and are sitting on it. On XX/XX/XXXX I received a letter from a attorney and called there office and was told that they received our information on XX/XX/XXXX and  advised that I had brought this current and was told that would have to talk to Bank of America, and they will advise our office.When I called B of A, they said that I needed to now pay the attorney fees, I am disputing this because, I paid this and was not told that my account was going to attorneys when I made my payment and was told what I needed to pay which I did. I supplied documents that show what I owed at of XX/XX/XXXX, as well as balance with the forebearance plan, the wire coming out of my account. In XX/XX/XXXX we could not do the forebearance because of the payment was more then we could afford because they used my large deposits which were from my 401kand stockes in XX/XX/XXXX and XX/XX/XXXX to keep my mtg current, but they counted it as income. We were starting a new modification plan which I had till XX/XX/XXXX to submit the documents, but ended up being able to bring mtg current on XX/XX/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 monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I opened  a Wells Fargo  checking account on  XXXX . The deadline to open an account for the {$250.00} promotion was  XXXX . I confirmed via secure message that the promotion was attached to my account. I completed the requirements for the bonus (  XXXX  debit purchases or {$500.00} direct deposit -- i completed both ) and still have not received the bonus.

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 2017-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
They just called my mother and left a voicemail, and I 'm not even sure how they legally obtained her phone number since it would only be listed on my phone bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient started harassing me about loan repayment within two months of losing my employment, demanding unreasonable repayment options. My father had been a co-signer on one loan and they harassed him so much that he ended up paying an offer of a third of the loan which overextended him and was extremely financially damaging to him. I had tried to explain to my dad that the loans were my responsibility and I would continue repayment when I was employed again, but the harassment was so intimidating to him that he gave in to their demands. Currently, Navient has tried to sue me twice even though I remain minimally employed ( 10 hrs a week XXXX ) and am having to start a new career track. Their suits were rejected by the courts without prejudice and they continue to offer me impossible partial payment plans, which I do not have the means to pay. I believe they acted unethically to my father, not allowing me the time to stabilize my own finances and harassed him into making a bad, unnecessary financial decision that was not truly his obligation. It has permanently damaged our relationship and compromised my parents retirement plans. We are not wealthy people in the first place, and as a former XXXX, I had believed that education is the road to overcoming the poverty cycle, but it is turning out to be just the opposite. Please help me to make Navient stop pursuing legal action against me, and I would like help having the payment my father made returned to him and place that future obligation back to me to resolve it in a more realistic fashion when I am able to do so. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
mailed letter to Equifax on  XXXX   XXXX ,   XXXX   asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  and  XXXX   XXXX  still confirms that Chapter  7 is   verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy Court stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time. Chapte r 13 w as deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of america is not sending right info of my account to   XXXX   XXXX   company the y send the info just 1once a week and send wrong info or older

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Hi, my name is XXXX XXXX. My wife XXXX and I own/operate a Michigan based XXXX business names XXXX XXXX. We have been in business for almost 15 years serving our local customers and community. Like many business owners, we receive money from our clients via PayPal. We have been a loyal user for a long time and made thousands of dollars for paypal in credit card transaction fees. On XX/XX/XXXX, my paypal account was emptied out and {$2900.00} was stolen from our business. I realized what happened and contacted paypal on XX/XX/XXXX. They told me that after reviewing everything, they determined that no unauthorized transactions took place. I then appealed it. They denied the appeal. On XX/XX/XXXX, I talked to a PayPal rep and they are claiming that someone called in and added a new bank account in XX/XX/XXXX. When they did that, they are required to verify identity over the phone. They claim that all identity verification was approved and therefore, they are saying that no fraud happened. I asked them what was done to verify my identity and was told they would not tell me that and that had to be subpeonaed by an attorney. I called XXXX XXXX XXXX on X/XX/17 and they verified that I do not have any accounts with them.
For at least the last 7 years, I 've always kept a rolling balance in my paypal account of at least {$2000.00} to make sure that any charges going out would be covered. There is ALWAYS at least {$2000.00} in the account. Then all of a sudden, a new bank is added, all the money is cleared out so the account is XXXX out, and PayPal does n't see anything abnormal with that. According to federal protections act 15 US COD 1693g which is the electronic funds transfer act, it 's on them to prove that I made this authorization and transaction and there is no way they have proof since I was not involved in this at all. <P/>I understand that as a company, they did their due diligence to make sure things were on the up-and-up ( or so they claim ) and with a company that size, things will slip through the cracks. Unfortunately, I 'm the one that slipped through the cracks and they are unwilling to help resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
This company calls my cell phone and my work number asking to verify my information. They also call my  human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.

Company response to consumer: Closed with explanation