vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I filled out a form on the Experian website to receive a " free '' credit report. Once I had submitted my information, it only shows certain reporting information for " free '' and says if you want your credit SCORE, you have to pay {$1.00}. So, I paid the {$1.00} to get my credit score. What the website does a VERY poor job of explaining is that in paying that {$1.00}, you are signed up for some sort of " membership '' program that costs {$21.00} per month. If you do n't call and cancel the membership within 7 days, your membership automatically renews for eternity. I was unaware that I was being signed up for this program, and when checking my credit card statement today ( XXXX XXXX ), I saw that I had been charged {$21.00} on XXXX/XXXX/XXXX and another {$21.00} on XXXX/XXXX/XXXX. It should also be noted that in going back through my junk email folder I noticed several emails from Experian, NONE of which were receipts or notices of being billed for the membership. I found a very generic " Welcome to Experian '' email, that had I seen at the time, I still would not have known that I had signed up for any sort of membership. Reading the email, it seemed like typical follow-up marketing when you give out your email address. No mention of the cancellation period, no mention of being charged for anything, it does n't even mention the word membership until the very BOTTOM of the email. When I called Experian to dispute the charges, explaining that I was unaware of being signed up for any sort of membership, they were only willing to refund one of the charges. I even spoke with a supervisor and no one was willing to help. The XXXX/XXXX/XXXX charge has not even gone through on my credit ( still pending ), yet Experian told me there was nothing they could do to refund the charge and that I would have the membership benefits through XXXX. Thanks Experian, that 's so helpful! I get another month of a membership that I did not sign up for, I do not want, need, or find helpful, and there 's nothing you can do about it. These types of practices are extremely deceitful and should be stopped!! I am certain that I am not the only person who has been tricked by this process. This needs to end, and the victims compensated justly.

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 2017-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was offered a promotion and given opportunity to pay within 6 months without interest. I deliberately paid my balance down to XXXX from a XXXX credit limit so that my balance would not yield such a high interest prior to the 6 month period. I paid {$130.00} for the month of XXXX but when I received the XXXX statement the XXXX payment was entirely used for interest. I contacted the company and they said that this would be the approximate amount that I would pay on a monthly basis. So my response was " are you saying that t am paying this amount every month '' and she responded yes but offered an option to pay at least {$400.00} in a few days to avoid these continuous charges if I wanted out of this. I could not believe what I was hearing. I did not want to make payments because it would never pay the principle as long as I used this card. They continued to call me repeatedly meaning at least 5x a day. I took the call and was making an arrangement with them and there was a disconnect. I called at least five times to make some sort of payment consideration to of no avail speaking to a supervisor which offered no solution. They closed my account even though I was willing to pay the past due amount. They agreed that a representative mislead me. Now this communication has caused serious delinquency and credit reporting issues. The misleading phone call was on XXXX XXXX, XXXX. I also have tried to make contact with Synchrony corporate offices regarding this matter and credit card customer service said there is no number.

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 2017-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.

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 2017-10-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, WV XXXX ( XXXX ) XXXX COMPLAINT AGAINST : VIOLATION : Great Lakes FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX LIABILITY SECTION XXXX ( XXXX ) XXXX ACCOUNT NUMBER : XXXX CONSUMER FINANCIAL PROTECTIONS BUREAU, I am reaching out for some help. Here is my complaint. Great Lakes is in violation of the FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ). 

I have requested that Great Lakes provide me with an original version of the Master Promissory Note in its complete and original form for a debt that they claim I owe them. I have requested this item via certified mail with return receipt, fax with receipt, email, and phone calls. My first communication was sent on XXXX. They have sent me a copy of a signature page with a signature that looks like my signature, but I do not recognize the document nor do I remember ever signing it. The rest of the document is missing. Great Lakes cant find any of it except the page with the signature. Basically they have one sheet with a signature and no pages with any identifiable details on it. They are trying to make me pay them over {$7000.00} with a promissory note that is missing sections A-D and has no identifiable data with it or any terms to an agreement. They refuse to send a letter of deletion to the bureaus even though they do not have a complete contract and the paper that they do have, does n't have any details like address, DOB, Social Security Number, Name of School Attended, Loan Amount, ect.  They only have a page with a signature. 

I am asking for help because I feel like this business has violated the FDCPA by not providing sufficient documentation and not removing the account from my credit report after I have sent various requests in several forms for them to either provide sufficient proof of the debt or remove the account. Instead they have decided to stick to their guns and claim that the page they sent me is sufficient proof. I have sent the page of the promissory note that they sent me. They have told me that they do not have the rest of the contract. I spoke with an attorney today and showed them the document and the attorney told me that the page they sent me is a legal document but it would not hold up in court because it does n't have any information or terms. I have repeatedly asked for the rest of the document and they have repeatedly refused to do anything. I have a ton of documentation of my conversations with them in the form of certified letters, fax, phone, email, and etc. I have attached just a few to give you an idea of what I 'm dealing with. 

Please help me resolve this matter and clear my name and my credit worthiness. If you need anymore details, then please ask. 


Thank You, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I contacted my loan servicing company Mr. Cooper to ask what were my options regarding a loan modification because my apartment building was affected by hurricane Irma. The associate asked me what I could afford to pay and we agreed upon XXXX$1000.00}. My monthly payment is {$3400.00}. She said that I could have a forbearance payment for a 3 month time frame. I paid the {$1000.00} that day online as I usually do. On XXXX XXXX a representative from Mr. Cooper called and informed me that my lender did not accept the forbearance agreement and now I am expected to pay the full amount. I was notified 6 days before the end of the month that I would need to pay the remaining {$2400.00} before the end of the month or it will show up as a late payment on my credit. I actually talked to several associates and some said that my account was still coded as being in forbearance, but the last associate told me on XXXX that if I did not pay the remaining balance by XXXX that my credit would be negatively affected. I am waiting for an associate from XXXX XXXXXXXX ( the lender ) to return my call. What kind of ethical business practice is it for the servicer to tell me I am in forbearance and the to tell me 6 days before the end of the month that I am not ; while forcing to come up with extra money that I do not have in order to not affect my credit? I have never been late on a payment and I feel like this is deceit of the utmost level. Its almost like holding me hostage for the sake of not ruining my credit. There was a statement on the site that stated I would pay {$1000.00} for 3 months but that statement has now been removed, as well as the statement that showed my {$1000.00} payment with no balance owing. It has been replaced with the statement that I have attached below. If you read the small print it still makes reference to a forbearance amount. I have attached the statement below. Unfortunately I receive all correspondence with them electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: NC

Complaint narrative:
Two of the credit bureaus have taken over 30 days to respond to me about investigations that I requested. I sent the request on XXXX XXXX, and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On several occasions Chase Bank unfairly assessed and collected Overdraft Fees on certain Debit Card transactions. Account has been closed so electronic statements are unavailable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JP Morgan cleared a XXXX for my federal tax return. The person had the same name but not the same information. Once I caught the error I notified JP Morgan Chase. They claimed to freeze the funds until they heard from the IRS but instead cleared it accepted payment and sent a paper check to the wrong guy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I was approved for a short sale with my second mortgage lender USAA on XXXX/XXXX/XXXX and have proof of my lenders approval and a XXXX closing statement showing that i was the seller. However, I have proof that XXXX is reporting this and it is showing up as a foreclosure on my credit report under XXXX. I also understand that the " Date Reported '' can appear more recent due to attempts to get my short sale credit correctly coded. This error in credit code and date has impacted my ability to get a new conventional mortgage after my XXXX month wait time frame. It is causing me to not be able to purchase this new home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 at XXXX ( CST ) I called XXXX.  I am XXXX and trying to payoff my entire mortgage before the scheduled sale date. My investor was on a 3 way telephone call with myself and lender XXXX. I gave a 3rd party authorization to speak on my behalf due to my XXXX, and we were informed that they would not be allowed to take 3rd party authorization by phone due to Texas State Regulation. We then asked for the State Code that prohibited a 3rd party authorization from speaking with an XXXX representative, withstanding verbal consent from the borrower, and we told that he was not sure of the Code or Texas Regulation. 

We were then informed to go online to request a payoff, and as such I did, and was not able to log onto the website as it showed an error. 

We then spoke with XXXX to get assistance and we were informed that they could not assist us, and that a payoff would be forthcoming in a few days. 

Bottom line : We are ready to pay and XXXX is preventing that from happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PR

Complaint narrative:
On XXXX XXXX, when a mortgage loan was in process, an account that does not belong to Diversified consultant # XXXX that collects a lost balance with XXXX XXXX of XXXX was reported. This information reported incorrectly is adversely affecting the process of the purchase. I need to correct this information immediately and be awarded to the person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a new checking account in XXXX with BMO 's  promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included government payments. I went out on XXXX XXXX in XXXX and started receiving XXXX payments from the state of california. These are processed electronically through XXXX XXXX XXXX as they are loaded onto a debit card. You can then direct deposit ( the website specifically shows this term ) into your checking account online. After receiving benefits I direct deposited the amounts to both my new BMO account and my older XXXX XXXX account. On my XXXX XXXX account it shows up as a direct deposit for the category type. For BMO they are telling me it is a fund transfer and I am therefore not eligible for the account promotion, despite them listing government payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.

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 2017-10-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Filed dispute with Experian on XXXX, XXXX & XXXX. The nature of my dispute was requesting contract with my authentic signature that started alleged debts. 
As of today, have not heard back from Experian.

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 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please refer to prior Case number : XXXX. 

In addition, the case was investigated by the FL Attorney General XXXX, who shuttered the fraudulent vendor XXXX XXXX Scheme XXXX XXXX  XXXXXXXX  XXXXXXXX XXXX XXXXXXXX, air, care XXXX County Clerk of Courts Office of the Attorney General Plaintiff vs. XXXX XXXX, et al Defendant XXXX XXXX  XXXX Case Number : XXXX The account was managed by XXXX XXXX XXXX & XXXX, XXXX XXXX on behalf of Bank of America. 

The Bank of America case as previously reported was represented by attorney XXXX XXXX XXXX XXXX XXXX, XXXX. The Attorney and record filed claims in the XXXX XXXX XXXX, FL Small Claims court CAPTIONED BANK OF AMERICA, N.A. V.  XXXX XXXX XXXX IN XXXX XXXX COUNTY COURT, CASE NO. XXXX ( COMPLAINT ). The Complaint alleged the Defendant became indebted to XXXX and presently owes {$2800.00} ( the Allegations ) regarding the consumer credit account number ending in XXXX. 

Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. handling Case No. XXXX ( Complaint ) terminated the case by voluntary dismal. 

However, the item in dispute continue to appear on my credit report with a status of KD - Key Derogatory ( Charge off ) on both my XXXX and XXXX credit files. 

I have contacted both XXXX and XXXX over a XXXX and XXXX of XXXX with the supporting documentation and documented stamped/validated by the XXXX XXXX XXXX Clerk of Court. 

Today XX/XX/XXXX, I spoke with a representative at XXXX told me on a recorded line who told that the Bank of America had instructed them ( XXXX ) to keep the KD - Key Derogatory ( Charge off ) status on my credit report. When asked if I could get a copy of that instructions communicated by Bank of America, I was told that it could only be obtained via court subpoena. 

I would like the Consumer Financial Protection Bureau to enforce the terms of the voluntary dismal as agreed and signed with Bank of America Attorney XXXX XXXX XXXX XXXX XXXX, XXXX. and have the Bank of America status of KD - Key Derogatory ( Charge off ) on both my credit files i.e. XXXX, XXXX, XXXX, XXXX, etc.

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 2017-10-30 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: OH

Complaint narrative:
I previously complained about Wells Fargo. They stated my issue would be resolved by XX/XX/XXXX. They called onXX/XX/XXXXto say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution

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 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had fraudulent activity on my Wells Fargo checking account. Someone was able to gain access to my online account, change my login and password. After gaining access, I received a call from a person ( Male ) claiming to be from XXXX on XXXX stating they were verifying a charge in Ohio for {$1000.00} that looked like fraudulent activity. I told them I was not in Ohio and did not make a purchase. They stated they ( WellsFargo ) would remove the charge and needed to verify that I was XXXX XXXX by sending me an immediate text message with a confirmation to repeat back to them on the phone. I immediately received a Text message ( stated in text that it was WellsFargo ) and repeated the confirmation code to the WellsFargo representative. They said all would be fine now and that the charge for {$1000.00} will be removed. Ended call. I immediately signed into my account ... which was an issue as my password & login seemed to be wrong. I did the necessary steps to reset login and immediately noticed a {$2400.00} Transfer out of my savings labeled " Transfer to Prevent Help ''. I called WellsFargo ( XXXX # listed online ) and who informed me that I was scammed and a claim would be initiated and they would set up an investigation. I was upset as they continued the process of reading the legal statements and were not AT ALL reassuring that this was going to all work out once they investigated. It has been 7 days and I have done all necessary ( went to the branch, changed accounts to new accounts etc ). I am aware that I have rights to my $ $ and ca n't believe it takes this long to determine that it was fraudulent activity. I 've contacted my local WellsFargo Banker and he said I will get my money back but not until after the 10 BUSINESS days. Is this fair?

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 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
On XXXX XXXX I was contacted by a XXXX XXXX who when telling me details of a medical debt immediately became abusive as I explained that secondary insurance was provided to the doctor. She did not even attempt to investigate or validate that fact. started yelling and talking over me. on XXXXXX/XX/XXXX17 She once again became abusive and threatening once I asked her where can I file a counter claim because monies were paid to the provider that should not have been. she became abusive that threatened legal action if I did not immediately paid her. I advised her I would file a complaint.

Company response to consumer: Closed with explanation