vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I switched carriers from XXXX to another carrier. XXXX was to furnish a final bill, which the new carrier agreed, within a 90 day period of time to pay, upon furnishing the final bill. XXXX would not furnish a final bill nor tell me why. Ultimatly, it was discovered that a range extender, provided to me at no cost because the XXXX phones did not work at my home as represented, was the issue. As the extender was not associated with the phone contract, they could not even tell me what was holding up the issuance of the final bill, until the 90 days had expired. I made many calll to resolve the issue, and was finally assured the bill would be canceled, then the next month got a credit notice. I was in the hospital ( can be confirmed - Im a XXXX ) much of XXXX, and could not respond to ( did not know about ) credit demand, so am now trying to get fair settlement and expunge record from my otherwise good credit. I believe that XXXX uses this tactic as an anticompetitive tactic to punish folks who switch from their service. Representatives from the credit service and XXXX regularly hun ip on me when I daughter to resolve this unfair and unreasonable debt. As an aside, we switched because XXXX does not have coverage where we moved 7months ago, which is why we switched services.

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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a credit card to help build my credit but since then have run into a lot of unexpected expensive repairs. I have not been in the position to make a pynt since. I tried to explain this one one of the 100 's of calls I've gotten from them in the last few months. They call early morning, late day, Sundays, holidays. I do not have a list of times and days they called. I did have but it got thrown away. They called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX @ apr. XXXX XXXX I told them once I got back on my feet that I would try to make pymts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
This is a follow up of my CFPB complaint XXXX because it was closed after the company responded but the company only addressed partial issues and lied again in the response. 

1. Though Statebridge Company did corrected my mortgage rate and cancelled my escrow account, they did not provide a legitimate explanation why they secretly increased my mortgage rate and lied about it again and again ( in other words, they were stealing money from the customer intentionally ) and why they changed the escrow term when the service was transferred to them. Instead, they simply lied in the response stating that the rate increase did not happen. Federal regulations require them to provide explanations AND solve issues in 30 days. This was yet another violation of the Federal regulation. The next step may have to be taking legal actions against them.

2. They did not respond to my request to recalculate my account balance history by applying the extra escrow charge each month to the principle, and did not provide the compensation I requested due to their criminal and fraud action to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: PA

Complaint narrative:
I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WA

Complaint narrative:
I responded to a banner ad from US Bank to open an account with promo code XXXX. I had to do 3 XXXX send money transactions for XXXX over 3 months. I also registered my cell phone with their app. Before it was opened, I had to talk to a banker to verify information and in the process I asked her if the promo code looked good and had been accepted and she emailed me back that it did. Now, it's time for the XXXX bonus and US Bank replied that I had to live in the XXXX area and missed it anyways by a month. That's surprising because I printed out the terms and read the fine print and did not see that.

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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
Hello, I have sent several debt validation letters to hunter warfield and they have also sent the same documents copies of a lease up until XX/XX/XXXX. They also sent a list of charges. On XX/XX/XXXX I mailed and also faxed them a new dispute letter because the amounts they were charging for was XX/XX/XXXX-XX/XX/XXXX. I never received a lease from them which showed the dates hunter warfield was trying to collect for. Hunter sent me new documents which I received XX/XX/XXXX. In looking at these documents it is clear that 1 they have been photocopied in their favor 2 signatures were used and copied from one lease onto another.While the original company XXXX XXXX or Hunter Warfield used these documents to try and collect monies they are not owed when all the steps were taken on my behalf when I gave notice of moving out. They just decided to report to the credit bureaus after 3 years about this debt without any prior notice or a change to properly dispute it before damaging my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
THIS IS A COPY OF A LETTER MAILED TO THE CFPB ON XX/XX/2018. FILING COMPLAIT FOR SUN TRUST BANK. REFUSAL OF REQUESTING TO ASSUME LINE OF CREDIT FOR MY MOTHER 'S LINE OF CREDIT ACCOUNT. SUN TRUST HOLDS THE DEED TO MY MOTHERS PROPERTY. ON XX/XX/2018 I WAS APPROVE TO BE THE PERSONAL REPRESENTATIVE OF MY MOTHER 'S ESTATE. AFTER RECEIVING A DEFAULT LETTER I TALK TO THE PERSON WHO TOLD ME HE WAS IN CHARGE OF HER ACCOUNT. AT THAT TIME I TOLD HIM I WAS THE PR FOR MY MOTHER 'S ESTATE. I TOLD HIM THAT I HAD AN APPOINTMENT WITH XXXX XXXX XXXX AND THEY ARE .GOING TO HELP ME TO BRING THE ACCOUNT CURRENT. THE FOLLOWING WE TALKED AND I TOLD HIM THE DETAILS OF THE PROGRAM, AND TOLD HIM I NEED A COPY OF MY MOM PROMISSARY NOTE, HE SAID HE WOULD MAIL IT. WHILE THE PROCESS TO BRING THE ACCOUNT CURRENT HE OFFERED ME A DISCOUNT ON THE BALANCE OF THE XXXX OF XXXX. AT THAT TIME I ASKED IF I COULD ASSUME THE LOAN HE TOLD ME NO I ASK WHY HE SAID I WAS NOT IN HER WILL AND NOT ON THE LOAN. SUN TRUST WAS MAILING THE BILL/STATEMENT TO XXXX XXXX AT XXXX XXXX XXXX, XXXX, MD. XXXX FURTHER INFO.I WILL PROVIDE LATER.

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 2018-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their unlawful debt collection practices and theft of my personal checking account. In Chase 's response to the CFPB and provided unlawfully, to the XXXX XXXX XXXX, Chase sent response letter 's of blatant lie 's ( via XXXX, located in Chase Executive Office ). JP Morgan Chase, response letter 's are being DISPUTED ( via this filing ). Further, it is important to document, that I NEVER included the XXXX XXXX XXXX in my filed complaint ( above ). Nor, did I file the XXXX XXXX XXXX as my representative 's with Chase or the CFPB. Therefore, I am DISPUTING Chase 's unlawful practices and I am reporting Chase and XXXX 's repeated violation of my civil rights. Further, in Chase 's response letter 's of lies, XXXX documented : " We take complaints that claim discrimination very seriously and investigate them thoroughly. We do not tolerate any form of discrimination as it is strictly against our policy and contrary to our corporate culture ''. However, Chase have in fact continued to practice repeated discrimination, harassment and reprisal/retaliation against me for my previous CFPB filing 's. They violated my privacy rights by sending information to the XXXX XXXX XXXX which have absolutely NOTHING to do with my filed complaint ( above ) and doesn't represent me in my filed CFPB complaint. Chase unlawfully debted and stole monies from my account to pay another persons debt owed to them ( which I have no knowledge about ). Chase 's unlawful debt collection practices, caused the unlawful NSF 's charged to my personal account. Chase, eventually removed ALL of their unlawfully charged NSF 's wrongfully assessed to my personal account.The person, and their debt do NOT make transactions to my personal account. Therefore, Chase and XXXX knowingly and intentionally violated my civil rights and practiced unlawful DISCRIMINATION towards me and my personal account. Today, Chase and XXXX have continued to practiced unlawful DISCRIMINATION against me and my personal account by internally changing my personal PIN to my account to pervent me from accessing my account. On or about XX/XX/2018, I visited a local branch and changed my PIN to my account. Chase, internally and unlawfully changed my PIN back to the " old '' PIN number. Recently ( last week ) I was unable to access my account due to Chase 's  ongoing and practiced DISCRIMINATION/HARASSMENT/AND RETALIATION practiced against me in response to my previous complaint filing 's with the CFPB. ALL SUPPORTIVE DOCUMENTATION WILL BE SUBMITTED TO THE CFPB VIA FAX.  ALL SUPPORTIVE DOCUMENTS AND FILINGS ARE STRICTLY FOR THE CFPB USE. NOT TO BE USED OR COMPRIMISED IN ANY WAY BY CHASE OR THEIR SUBSIDIARIES. THE END!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Regarding my business checking account : From XX/XX/XXXX to XX/XX/XXXX ( last  statement received ) I have been shorted a total of XXXX. I have a checking account at another bank that balances to the penny every month which also has more activity. I find it very odd that for 4 months in a row, my Wells Fargo checking account is chronically short, especially since my other account always balances and the Wells Fargo does not. After working in the banking institution and working as an account for over 20 years I can not locate any errors on my part. It is also strange that it is ALWAYS short. I am to receive my next statement any day now. If it is short again I will be reporting that as well. 
I am curious to know if any other complaints have come in regarding this nature with Wells Fargo. I sincerely hope this will be looked into as I viewed other complaints about this bank and was astonished to read so many complaints about them. 
An audit I hope? 
Thank you for this opportunity to voice this complaint. 
My contact numbers are : XXXX & XXXX. My E-mail is : XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Signed ; XXXX 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 2018-09-05 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: PA

Complaint narrative:
I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.

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 2018-09-05 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: PA

Complaint narrative:
I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.

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 2018-09-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or about XX/XX/2018, XX/XX/2018 and XX/XX/2018, I sent written notice to XXXX, Experian and XXXX XXXX that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only XXXX provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party  requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties

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 2018-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Eagle Home Mortgage, LLC
State: NC

Complaint narrative:
We started the home buying process with Eagle Home mortgage in XX/XX/XXXX. 
Throughout the loan process what we found surprising as first time home buyers was the lack of responsiveness and customer service to our questions or concerns. In fact, this behavior continued until days before closing in XX/XX/XXXX when we had to reach out to our Loan Officer by phone after a number of attempts to learn that our interest rate had yet been locked in! This was rather upsetting as we had many months to discuss and lock in a much lower rate. As first time home buyers we had an expectation that Eagle would have our best interest in mind, however it very much felt like we were just a number. 

During closing we were informed that our first mortgage payment would be due in XXXX and we were prepared to make this payment. In addition to this we were told we would be contacted by the mortgage company to whom we should make payments as it is common for the loans to be sold rather quickly. Come end of XXXX we still did not hear anything. So we reached out our loan officer to assist us as we did not want to miss this payment. However, there was absolutely no response to the voicemail left. Furthermore, we contacted the legal office for guidance to direct us to whom we should be submitting payments, yet this individual had no information other than to tell us that we will be contacted soon by whomever we should make payments to as it is normal for the loans to be sold. Days later we were contacted by XXXX XXXX who informed us that our loan was sold on XX/XX/XXXX and their records indicate that our first payment is not due until XXXX. We accepted this information as true considering we had recently been in contact with Eagle, and we  were contacted directly by the new mortgage company. 

After this experience, it was not until late XXXX that we received a letter in the mail from Eagle Mortgage informing us that although our loan was sold XX/XX/XXXX, we still owe them for the month of XXXX and had missed our first payment. This communication was unacceptably delayed considering our early contact efforts in XXXX to make sure we were doing everything right. 

In all, Eagle Mortgage continues to demonstrate a lack of responsiveness and does not take full accountability for how their delayed communications impact their customers.

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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) is disputing XXXX XXXX ' claim, which has bee referred to XXXX XXXX XXXX XXXX XXXX, that XXXX XXXX XXXX owes XXXX XXXX {$740.00}. As we have told XXXX XXXX repeatedly in several e-mails to that company, XXXX XXXX XXXX does not believe that it owes more than {$160.00}. Until XXXX XXXX produces a contract that shows otherwise, XXXX XXXX XXXX will not pay any more than {$160.00}. Below is an explanation of our position : XXXX XXXX XXXX available accounting records show that XXXX XXXX XXXX was doing business with XXXX as far back as XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX 's monthly bill rose from less than $ XXXX to $ XXXX. The difference between XX/XX/XXXX and XX/XX/XXXX was nearly an astronomical 13 %. When XXXX XXXX XXXX realized the huge jumps in XXXX   bills, XXXX XXXX XXXX explored the competition and investigated XXXX. XXXX XXXX XXXX ascertained that the competition was charging half XXXX rate for better service and that there were hundreds of reviews on-line by XXXX customers complaining of similar price gouging by XXXX. XXXX XXXX XXXX complained to XXXX about its substantial yearly cost increases. In response, the company did not produce any documentation authorizing it to raise the rate for its services, much less apologize for basically taking advantage of XXXX XXXX XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX notified XXXX XXXX that it would no longer require trash collection from that company. At that time, a XX/XX/XXXX invoice for XX/XX/XXXX service was outstanding. The total bill for XX/XX/XXXX was {$660.00}. Because of the XX/XX/XXXX notice, XXXX performed only a quarter of the service covered by the outstanding invoice. Accordingly, XXXX XXXX XXXX position is that XXXX  XXXX XXXX owes only one-quarter of {$660.00}, or {$160.00} ( subject to XXXX producing a contract or other basis for legal entitlement to more which, despite repeated requests by XXXX  XXXX XXXX, XXXX has failed to produce ). 
We are deeply concerned that XXXX has been increasing the charges to XXXX  XXXX XXXX for over a decade at levels that were not authorized by our initial agreement with XXXX. XXXX can not possibly have had a right to increase our bills over $ 141 monthly rate that is reflected on XXXX XXXX XXXXs books. While we are concerned that XXXX actually owes XXXX XXXX XXXX funds ( perhaps thousands ), we have generously offered to pay {$160.00}. XXXX has declined our offer. 
As XXXX XXXX XXXX has informed Republic, XXXX XXXX XXXX is a nonprofit that operates on a very tight margin. XXXX XXXX XXXX can not afford to just give XXXX several XXXX dollars more than XXXX XXXX XXXX legitimately owes.

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 2018-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello I bank with US bank. 
Lately was scammed through a resale site to transfer money for merchandise. I never got the merchandise and the individual used XXXX through US bank to collect money from me. 
I had never heard of XXXX and I trusted it because it appears on my US bank home menue. 
After complaining, US bank is not doing anything to protect me as a client and neither they have any warning or disclosures stated upon opening XXXX feature to only use this feature to send money to friends and family. Anyone automatically can trust this for the bank to stay behind any complains and disputes down the line. 
I further noticed that XXXX is not even yet affiliated with Consumer Financial Protection Bureau which makes it even worse to appear right along major banks and making it ok with out any disclaimer to transfer money. 
US bank should either remove these unknown features for money transfer or make it very clear as how they operate individually with out banks interference, in case of future disputes and issues. 
I am asking from the bank to take responsibility and issue me {$250.00} refund and also pay closer attention to making it clear for their customers about this.

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