vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While asking XXXX XXXX XXXX XXXX XXXX to buy shares of XXXX ( XXXX XXXX XXXX ) they did not disclose the settlment date which happened earlier than the usual time. Because of that all investors got charged margin interest rate on XX/XX/2019 right when they placed the order. Furthermore they got charged money even on money they overpaid for and was not used to purchase the stock. 
Such fees should be disclosed beforehand.

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 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX my birth day is XX/XX/XXXX my claim number is XXXX my Ss number is XXXX..On XX/XX/XXXX I was rushed to the hospital because of XXXX  XXXX XXXX I was kept to have emergency XXXX XXXX and was released on XXXX.I had up to10 family members to visit me and at my home why I was in the hospital, which one of them stole my bank cards and credit cards from regions bank and XXXX XXXX and maxed them out in different states, I turned in a police report to regions bank and my hospital discharge paperwork and they denied my claim.Im very distraught about this and seeking justice which this has caused me to have emotional distress.

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 2019-07-29 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: TX

Complaint narrative:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX  XXXX -  partial account number XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXXXXXX XXXX -  partial account number ****XXXX.  (Please see pages 8 and 9 of the attached credit report.)  I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account.  This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report.  I have contacted the two bureaus to fix this issue but I have not been successful.  This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

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 2019-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Risecredit, LLC
State: KS

Complaint narrative:
In July 18, we borrowed 3500.00 from Rise Credit.  The company was suppose to contact me (XXXX XXXX) with details of loan. They have not obtain the signature and went ahead and deposited the money into my account. After paying between $400-$500 for 12 months. I tried contacting them (7-19) to see when loan was going to be paid off, and they said after paying almost $5000 nothing has been paid toward the balance  - due to it being a line of credit. We didnt ask for line of credit we asked for a small loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
I purchased a mattress through Acima credit. I was supposed to receive an early buy out in 3 months. The company never contacted me though mail, phone, or email. I called the company today to see what was going on. They said they had sent emails and they had all " bounced back '' even though the email on file was correct. I never received a copy of my contract or even an account number. My financed amount was {$350.00} and now my account is over {$400.00}! I have made every payment though the auto draft through my bank account but they will not offer me the original buy out even though I never received any information on it. They were clearly negligent. They even admitted that they never tried to reach out to me. This credit company seems like a scam to me! They told me their hands were tied and refused to make the original buy out deal with me even though there is clearly an issue on their end with correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity Bank is the issuer of a XXXX XXXX XXXX XXXX XXXX store credit card. I paid the recommended amount of {$350.00} or more every single month ( not the minimum payment of approximately {$60.00} ) in order to avoid being charged an accrued interest payment at the end of an 18-month promotion. The last statement makes a note to list the end of the promotion period, which is a mid-month cut off date. But, the MAIN landing page of the credit card website with the ACCOUNT SUMMARY makes no mention of the end of the promotional period. The ACCOUNT SUMMARY portal on the website is where payments are made and where they recommend how much to pay on a monthly basis. The fact that the end of the promotion was not clearly identified in the ACCOUNT SUMMARY section of the website or not identified in the payment portal is very deceptive in my opinion. To my knowledge Commenity made no effort to provide email communication or notification on the main landing page of the website that the promotional period was ending or that a {$980.00} finance charge would be assessed if I did not make one last small payment of {$210.00} in the middle of the month. Further more because it was XXXX XXXX XXXX XXXX XXXXXXXX XXXX credit card and I only made 2 purchases on that credit card there would be no routine reason to check credit card statements. One of the primary reasons that people check a credit card statement is because the want to verify their purchases and make sure that there are no mistakes in their purchase history. I believe that Comenity is counting on the fact that due to the nature of the store credit card, where people clearly remember what they purchased, that they will not go ahead and read the credit card statement as they would with a traditional ( non store specific ) credit card. Comenity 's belief that consumers will not read the statements is the reason that the notification of the end of the 18-month promotion can only be found on the statement and is not identified in any other way by Comenity bank. 

In short, I believe that Comenity bank acted deceptively and they are unwilling to credit and remove the accrued interest charges. 

I will attach my statements as well as a screen shot of the Comenity Bank main landing page and XX/XX/2019 emails that I recieved from Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-29 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. XXXX  is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: DC

Complaint narrative:
* In a letter dated XX/XX/2019 requesting Debt Validation and Proof of Claim. Consumer Portfolio XXXX responded with a letter dated XX/XX/2019 with a document as proof of Dept. 
* I responded in a letter dated XX/XX/2019 with the following errors on that document : ( 1 ) There are two ( 2 ) different mailing addresses associated with the document. 

( 2 ) Based on the amortization of the loan on page one ( 1 ) of the Sale Contract, the balance owed is not in accordance with the interest rate stated and the terms laid out in the Sale Contract. 

( 3 ) The document provided was substantially different from the one we were able to obtain from Originator of the debt. In essence, a fraudulent document. 

* Consumer Portfolio Solutions, Inc letter dated XX/XX/2019, stated that " Your letter is substantially the same as a dispute that was previously submitted by you or on your behalf, either directly to us or through a consumer reporting agency, without additional or different information needed to investigate the dispute, and which we have already provided a satisfactory response. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
This is Urgent I'm getting foreclosed XXXX please stop since I had no Notice to me or the online account By Mr Cooper Mortgage formerly Nationstar mortgage my lender after me fixing to better conditions my house after the explosion of my the house and getting a Trial modification and keep paying extra 3 months they stop me from making payments Why? 



first letter I sent and just below is the second letter because no response Mr cooper regarding why they never sent me a notice of foreclosure to me personally or in my online account just say they send me a letter about protected under SCRA just a letter and a letter contact them on dated XX/XX/XXXX received XX/XX/XXXX well I have been sending them an appeal and no response also I have contacted XXXX XXXX the investor XXXX XXXX XXXX and they told me they will call me but no avail yet I would like your help I need your Help Please hope you are able to stop foreclosure or at least Now that XXXX XXXX be accountable for there actions and settle my fire and explosion Case I have lost everything and now I'm being foreclosed please let them know I have XXXX daughters and their dreams and My dream as a XXXX shatter to pieces I was just opening a photo studio in my house with extensive equipment and I lost all of it no only relating to the foreclosure action but the Negligence on XXXX XXXX XXXX now XXXX home services regarding the nature of my unfortunate Circumstances I have been also Not taking serious neither by the Insurance company of XXXX XXXX XXXX attorneys and they service subcontract with XXXX XXXX XXXX, XXXX they blaming each others but that is The Root of all this is the Negligence of XXXX XXXX XXXX since XX/XX/XXXX and I have not received a penny from them but they Sure had to sue me for the remaining oil bill witch I had to pay back in XXXX they were aggressive here I'm 7 years later and getting foreclosed please help let me send you the documents supporting this claim but more important stop Foreclosure please look at this link https : XXXX % XXXX % XXXX % XXXX % XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alpha Recovery Corp
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB.

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and XXXX are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. Transunion is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  and Experian are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. XXXX  is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.

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 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: TX

Complaint narrative:
My wife and I are getting repeated calls almost on a daily basis. Some are robotic calls ( not a real person ) and some are live people. I have requested the calls stop, but they continue. This feels like harassment. The people from the live phone calls scared my wife with scare tactics to make us pay for unknown debt collection. No company should try and scare you or threatening you like this. The collection company will not give me any information retaining to the collection either. I am seeking seeking further help about harassment with law enforcement or family lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
sir. i get one pay loan speedy cash. my emergency situations harricaine Harvey in XXXX tx i get this loan. loan principal amont. {$3000.00}. loan a/c # XXXX. i pay back each 15 days my payment due. i make 9 payment every 15 days each payment amount is {$510.00} i did total payment {$4500.00}. my hard situation lose my job. i call i need payment extended payment. speedy cash no give me any chance to extend due. date. no any help no did. i so many i call. nobody help me. this speedy cashinstallment loan company they did track my debt card. and back account. i tell my no pay this company. my bank officer told me. this kind ilegeal payday loan companies. you change bank account. that's more better. after 4 months later. one collection call come to phone. you wants pay {$5100.00}. i don't know where amounts coming from. this one type financial discrimination. pls help sir.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Complain about Company KNIGHT ADJUSTMENT BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX This company is working to collect a debt for a company call XXXX XXXX XXXX the debt they collecting is not mine, after requesting the documentation to verified the loan and learn about my legal rights under the Fair Debt Collection, I found out the documents send by Knight Adjustment Bureau have not have my handwriting or my signature on any of the documents they sent, I already send a letter to them telling them about out this and they are not taking this debt from my credit report. 
They are still trying to collect this debt. 
Knight Adjustment Bureau for my understanding was suppose to contacted me to check with me if this debt was or not mine, but they instead send this debt directly to collection within days of receiving the account from XXXX XXXX XXXX ( original owner of the account ) after that they send me a document to verified if the debt was mine or not for which I dispute the debt. 
After they tried to verified the debt they send me a letter telling me what a own and that I have to pay the whole amount on the letter they sent, that they would not accept any kind of payment arrangements. 
This company Knight Adjustment Bureau keeps harassing me with this account that do not belong o me or agreed on, I tried to fix this with original company, they never wanted to provide me with any documentation or information on this debt. 
Attached I'm sending copy documentation received from this collection company to support my complain. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

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 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Nationwide Debt Reduction Services, LLC
State: PA

Complaint narrative:
One year ago I was contacted by a Debt Repair Service telling me that in three years my Credit Card debt would be taken care of if I spent so much money per month. I should have know in he very beginning it was a scam. My name was never correct, the Creditors could not find my information, I requested a paper contract so I could see what the exactly to expect and to have actually something in writing. I never signed anything the agent did it all and I still remember his name because I told him twice make sure you do not put my nickname on that. Guess what he did .... I was paying {$300.00} a month for over a year for this I asked every month problem to please send me hard copies so I can see what is happening and how this really works since no one seemed to be able to answer me. I was sued by XXXX, XXXX and all XXXX XXXX could find was a payment for {$190.00}. In one year I paid XXXX and nothing but {$190.00}. was paid out. Now I have to file bankruptsy to get out from under this mess. I have asked them repeatedly to give me that money back or at least {$3000.00} of it sinced they did nothing but get me into a bigger mess. I want that money, what they did was not right and now has cost me my retirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief