vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.

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 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX I became unemployed. I continued to keep my accounts with American Express mostly current until I got a new job in XX/XX/XXXX. I started paying down all of my revolving credit at that point. In XXXX, American Express started contacting me about my accounts, which had been open since XXXX. 

I called American Express to determine whether any sort of temporary relief could be had. We were terribly impacted by Hurricane Harvey, and our mortgage company, car leasing company and other revolving creditors helped by offering extended terms or delayed payments. American Express offered nothing. American Express further demanded immediate payment in XXXX. I made a partial payment over {$4000.00} in XXXX and promised a more substantial payment in XXXX. American Express continued to increase the amount it demanded as immediate payment. 

The first week of XXXX I paid American Express {$5500.00}. They called immediately demanding more payments. I asked for any kind of concession, interest rate, split payments, anything. My offer was flatly refused. 

I told American Express that I would then pay off the entire balance owed on all accounts, current and not, and cancel my cards. 

As soon as I told American Express that I would cancel my cards, they immediately reported me delinquent to the credit reporting agencies ; I surmise as a way to pressure me to pay off the balance, which I had already promised to do. Before the end of XXXX, I paid off all of my accounts with American Express, more than {$68000.00}. 

American Express continued to report derogatory information to the credit bureaus despite my calls. As a result, the credit to my business and my other personal lines of credit were diminished to the point I had less than {$20000.00} in credit available. My FICO score went from the mid 700 's to 620. As of today it rebounded a bit to XXXX. I spoke with American Express again yesterday, but they said their credit department was closed. Obviously they did something because nothing in any other account changed. All of the damage was done by American Express after American Express was paid IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I was a victim of hurricane Harvey. I was advised my loan would be deferred for two months. I began to receive deliquent calls. I spoke to a rep that said there was a miscommunication that once I pay the bill it will go they would change my due date to mid month. Which did not happen. I advised I was unable to make the payment. They said they would work with me and every thing will fine. I was told I qualified for an extension. Then I was I told I cant get an extension. I feel this was based off discrimination. Im very upset. I was advised that Hurricane Harvey was last year. I asked for a supervisor she proceeded on the line. I was advised I do not want to be contacted by auto dialer and they continued to call me with the auto dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/XXXX Case Number : XXXX I am filing a complaint against XXXX XXXX XXXX. This company bought a debt that I had with XXXX XXXX in XX/XX/XXXX of XXXX. Later in XXXX I started receiving phone calls from XXXX XXXX in XXXX about this debt. The XXXX XXXX employees in XXXX asked me for my credit card number to pay the debt. I didn't want to give them my credit card number and wasn't convinced that this debt belonged to me. The default date of the last payment on this account was XX/XX/XXXX. In and around XXXX of XXXX. I began receiving calls from this Company MCM in XXXX, they would call me several times during the week and ask me if I would pay this debt, I ask them where I was calling, and they said XXXX. I replied where am I calling where again he said XXXX, I stopped to think about what he just said, and I said back XXXX, and you want me to give you my Credit Card I don't think so. This went on for several mouths and a couple of years. I told them No, send me a bill, they called me in or around XXXX of XXXX I told them my situation they said ok XXXX XXXX they asked me about my Law suit I said I could not talk about it, I'll know more in a year, I never heard back until I called them in XX/XX/XXXX, since then I have found them to be dishonest in my findings. I talk to Attorney XXXX XXXX on XX/XX/XXXX, I told him that statute of limitations has ran out. He said NO, on XX/XX/XXXX he said I made a payment and I said NO, I did NOT. This account has been closed for over 8 years or more. We checked our checking account, NO records found to XXXX in our checking account stating from XX/XX/XXXX. He made this up, so the status would be affective when earlier I mentioned the default date and last payment was made on XX/XX/XXXX. There is much more to be said about their Law practice, more can be given to you upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
As a first time homebuyer I applied for home loan with my Bank XXXX XXXX. The representative that I been working with first game me an verbal option of FHA or XXXX with 485 % interest rate and {$3200.00} closing cost with my current credit score of XXXX. I received the documents via mail to sign but the documents reflects a completely different information of what the representative told me in person. 
The documents for me to sign has 5.375 % interest rate for conventional loan the rate it is fix but not lock and closing cost it's over {$6000.00}. 
As a first time homebuyer I am not sure what to do so I reached out to my local homebuyer workshop coordinator and she suggested for me to contact you. 
Can you please help me?

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 2018-03-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
MY EQUIFAX CREDIT FILE PROBLEM IS THAT THEY KEEP ROLLING MY DISPUTE LONGER MORE AND MORE TIME OVER 30 DAYS FOR THE COMPANY XXXX XXXX WHO IS INACCURATLEY REPORTING INFORMATION OF AN ACCOUNT THAT IS REPORTING INACCURATE INFO. I PLACED A DISPUTE ON XX/XX/XXXX # XXXX EQUIFAX STATED XXXX XXXX SENT AN ELECT. REPLY STATING THIS ACCT IS MINE, NOT TRUE. ONXX/XX/XXXXI FILED A DISPUTE # XXXX W/EQUIFAX STATING XXXX   IS REPORTING INACCURATE INFO ON MY CREDIT FILE, I CALLED EQUIFAX REP SHE SAID THAT EQUIFAX IS WAITING ON A RETURN CALL FROM THE COMPANY XXXX XXXX REP STATED THAT ( REQS CAN BE MADE FOR A CALL ) IF A CALL IS NOT RECVD BY XX/XX/XXXXTHAT THIS ACCT WILL BE DELETED FROM MY CREDIT FILE. I FAXED A LETTER FROM XXXX  TO EQUIFAX CONF #  XXXX AND REP VERIFIED IT WAS RECVD ON XX/XX/XXXX. TODAY I WAS TOLD THAT I WOULD HAVE TO ALLOW AN ADDITIONAL 30 DAYS BECAUSE I MAILED THE SAME LETTER THAT I FAXED, THIS IS COMPLETELY FALSE. I NEVER MAILED ANYTHING AND WHY WOULD I NEED TO MAIL THE SAME LETTER THAT WAS FAXED WHICH I HAVE A COPY OF THE CONF PAGE OF THIS FAX.?, COMPLETLEY FALSE. THE LETTER VERIFIES THAT THE INFORMATION XXXX XXXX HAS DOES NOT MATCH MY NAME OR ADDRESS, ( THIS ACCOUNT SHOULD HAVE BEEN DELETED ), INSTEAD EQUIFAX HAS STATED THAT I HAVE ANOTHER EXISTING DISPUTE WITH THIS SAME COMPANY ENDING IN # XXXX SAID TO END ON XX/XX/XXXX ( CUSTOMER SVC REP XXXX STATED THAT WAS INITIATED BY EQUIFAX AS A FRAUD DISPUTE, AND I MADE XXXX AWARE THAT THIS DISPUTE WAS UNAUTHORIZED BY ME. AND FINAL, HOW CAN YOU HAVE ( 2 ) DISPUTES GOING AT THE SAME TIME? THEY ARE SUPPOSED TO BE 30 DAYS AT A TIME, INSTEAD EQUIFAX IS USING A STALL TACTIC TO KEEP ROLLING THIS DATE WITH THIS COMPANY BEYOND THE 30 DAYS THRESHOLD AND I HAVE NOT BEEN MADE AWARE OF THIS AND CERTANTLY DID NOT AUTHORIZE THIS FINAL DISPUTE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute on an account that I didn't recognize on my Experian report on XX/XX/2018 from XXXX, XXXX. Upon receiving the results of my dispute from Experian, I was informed that the account had been deleted. Less than a week later I received a call from the debt collector XXXX XXXX XXXX advising me that they are still reporting the account and I need to contact the credit bureau about it again. I called Experian to resolve this matter and was told that I would have to report it as fraud to get it off because they must have the wrong person to keep reporting the account on my profile. They refused any further assistance.

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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I originally applied for a loan with XXXX XXXX on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan Officer-XXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, XXXX XX/XX/XXXX access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!

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 2018-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Total Card, Inc.
State: NC

Complaint narrative:
I would like to file a formal complaint against XXXX XXXX. I have sent several formal requests, dated XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 and XX/XX/2017. I have certified mail receipts for the requests to validate accuracy of debt being reported to the credit bureaus. The amount they claim I owe has changed. A request for accurate reporting was requested after each change. Their reporting is inaccurate and incomplete. I've tried disputing with the credit bureaus, and they too say debt, has been verified and updated. When requesting Bureaus to provide how they verify, they fail to comply, which leads me to believe they have false, inaccurate and or incomplete information reporting against my social security number. Which is a serious violation of defamation. That is not legitimate verification reporting accurately. My requests have been clear and specific, but yet, I continue to get the same responses repeatedly that are not addressing my requests to validate this debt and the accuracy of the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
the XXXX XXXX late payment is wrong. i have not been late. 
ask XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
the XXXX XXXX late payment is wrong. i have not been late. 
ask XXXX 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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
the XXXX XXXX late payment is wrong. i have not been late. 
ask XXXX 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 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello and first thank you so much for helping assist me with this matter. 

XX/XX/2017 Was what I believe was the 2nd or 3rd time I challenged this which I have the certified receipt when I mailed them the letter about this matter. 

It was for the credit card that was {$300.00} that I PAID OFF IN FULL I have truly tried for months to have Wells Fargo correct the status of this credit card from Late to Paid or Paid Charged off ... =- ( the other 2 bureaus completely removed it from my credit. However they are still reporting it on my XXXX as a derogatory remark and its causing me to be denied over and over again. Its hurting my heart! I really am trying to get this taken care of.my credit that I may take out a loan to start my new start up that I am working on. However this has been for months which I have letters of them saying I paid it off and to send that letter to XXXX which I have done sent them a copy to have them remove the comment from Late to Paid, I also have sent XXXX   letters in the form of challenging the remark and they come back to say its correct which I am 100 % sure it is not. I admit when I was in my 20s I did a bad job keeping up with the account after loosing my job with XXXX. None the less I took responsibility and paid it off last year yet they keep reporting that it is Late when it is Paid off!! If you can see my payment history it is 100 % on all 3 credit bureaus. 

I humbly am asking that someone please help me get them to either remove the file all together off my XXXX credit report or Please say its Paid and or closed =- ( I done this challenge process maybe 3 times with them from XXXX as well as them ( Wells Fargo ) directly.

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 2018-03-14 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: MO

Complaint narrative:
Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Equifax. I recently reviewed my credit report, and I noticed some inaccurate information. I made Equifax aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, Equifax sent me a letter ( FORM D ) only addressing one of two debts as valid. They did not address the other account I had disputed, and also did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). Equifax received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so should be deleted. In response, Equifax sent another letter addressing all of the debts ( FORM H ). I found that one of the accounts I disputed had been deleted, but other accounts were showing results of validation. Equifax still never sent me proof of such validation or any of the physical documents in my file that I had requested. 
Equifax is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they have not provided me with the physical proof of what they used to verified these accounts, they must all be deleted. 

Thank you for all of your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for the XXXX Chase card using a signup offer on XXXX. The signup offer stated there is a {$50.00} statement credit after the first purchase. Yet Chase is denying me the {$50.00} credit on the grounds that I did not book a hotel at the time of signup. This prerequisite is not made clear anywhere on the offer page or in the offer details. I have attached screenshots which clearly show the offer terms do not mention a hotel booking as mandatory to receive the statement credit. It is misleading to bait people in with a signup offer and then disqualify them for a reason not listed anywhere in the offer or fine print.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX, I visited the Santander Bank Branch at XXXX XXXX, XXXX XXXX, NY XXXX and used the ATM machine to make a {$440.00} deposit. I put the money into the ATM but no money was credit to my account. The ATM showed that there's an error and please try later. I immediately contacted the bank clerk at the branch and called their customer service, and they provisionally gave me a {$440.00} provisional credit. 
However on XX/XX/XXXX, Santander sent me another letter saying that they've completed the investigation and no errors was found, and they are gon na take the money away from my account again in a few days. I don't know what to do, because it is a large sum of money for me, and I have to seek help from CFPB.

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 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo decided to close my accounts for unspecified " security risks '' and then proceeded to remove my direct deposit which caused overdraft fees. They also reversed a deposit for a debit card dispute that had already been investigated and closed in my favor causing another overdraft fee. On top of that they're continuing to allow payments to come out of a CLOSED account so they can rack up even more overdraft fees on a CLOSED account. They're now calling me several times a day to collect money I'm not giving them. This is ridiculous.

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 2018-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, a transaction of XXXX was taken out of my bank account and also it made a charge back fee of {$12.00}. I wanted to know why I was not informed about this reverse on a check that I deposited. Was it a bounced check on XX/XX/XXXX? It was reimbursement check. This had nothing to do with selling not sold to merchant. It stated 'return item charge back ' in the line on XX/XX/XXXX in XX/XX/XXXX bank statement.

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