vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
There was an issues with receiving my monthly statement. I will paying my last known amount. The amount was short by {$2.00} and I was accessed a late fee. I paid more money the next month in the amount {$30.00} to accommodate the previous month shortage. I was accessed another late fees.I was virtually verbally attacked by XXXX and XXXX in collections about the late fees. They were not helpful nor respectful. Considering it was a mistake made by the company XXXX XXXX XXXX. Both representatives should be coached on how to treat customers. I was promised a late fee removal by the original customer service representative. She just did not know how to remove both late fees. That is why the supervisors were requested.

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 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
on XX/XX/XXXX I XXXX XXXX XXXX and ankle and visited two different hospital emergency rooms. 
The first one was at XXXX XXXX XXXX. The second was XXXX in XXXX. 
I begun receiving bills from the hospitals and the ER physicians in late XXXX and XXXX. It was easy to identify who the bills were from, what the bills were for and all entities were willing to work with me since I was uninsured at the time. 
Three days ago on XXXX I received a pink past due notice dated XX/XX/XXXX from Americollect in XXXX Wisconsin. They say I am overdue to pay a company called XXXX XXXX two different amounts - {$36.00} and {$40.00} totaling {$76.00}. 
# 1 I have no idea who XXXX XXXX is and I have received no correspondence.or bill from XXXX XXXX. I am assuming that maybe it has to do with XXXX  of my XXXX XXXX and XXXX? 
# 2. Even if this is a legitimate debt although I haven't been billed, how could this be in collections less than 60 days from the time I could have incurred a charge. 
# 3 Due to XXXX XXXX I can't move about. I called the collection agency to dispute but they would not accept that and told me I had to put my dispute in writing and mail certified ( which would be a problem for me ) My issue is how can I debt I never knew about be in collections in way less than 60 days. Even if XXXX XXXX had sent me a bill in XXXX I would not have been considered over 30 days late at time this collection notice was generated. 

I try hard to keep my credit okay. I contacted the hospitals and they are working with me on reducing charges and accepting a payment plan. Whoever these people are, they are ruining my credit and I have never had a chance to know if I was charged and what I was charged with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: MS

Complaint narrative:
The following inquiries are not mine and I have previously disputed with the credit reporting agency. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the following accounts to ascertain validity and accuracy with ALL 3 Credit Reporting Agencies. These are the accounts that i feel might be  reporting on my credit files inaccurate and should be removed for this inaccuracy. 

XXXX/XXXX  {$6300.00} XXXX {$5800.00} XXXX XXXX XXXX/XXXX  {$8500.00} XXXX XXXX XXXX/XXXX {$14000.00} XXXX XXXX XXXX/XXXX  {$4600.00} XXXX XXXX XXXX/XXXX {$18000.00} XXXX XXXX XXXX/XXXX {$24000.00} XXXX XXXX XXXX/XXXX  {$7400.00} XXXX XXXX XXXX/XXXX  {$39000.00} XXXX XXXX XXXX/XXXX {$17000.00} XXXX XXXX XXXX/XXXX  {$2600.00} XXXX XXXX XXXX/XXXX {$3500.00} XXXX XXXX XXXX/XXXX {$1200.00} XXXX XXXX XXXX/XXXX {$300.00} XXXX XXXX XXXX/XXXX {$2800.00} XXXX XXXX XXXX/XXXX {$250.00} XXXX XXXX XXXX/XXXX  {$1500.00} XXXX XXXX XXXX/XXXX {$3000.00} XXXX XXXX XXXX/XXXX  {$3400.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX  {$610.00} XXXX XXXX XXXX/XXXX  {$8600.00} XXXX XXXX XXXX/XXXX  {$5600.00} XXXX XXXX XXXX/XXXX {$760.00} XXXX XXXX XXXX/XXXX  {$3500.00} XXXX XXXX XXXX/XXXX {$8300.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX {$2100.00} XXXX XXXX XXXX/XXXX  {$2700.00} XXXX XXXX XXXX/XXXX {$8500.00} XXXX XXXX XXXX/XXXX  {$36000.00} XXXX XXXX XXXX/XXXX {$36000.00}

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 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Our mortgage was sold 7 times. The latest lender was Bank of America. No one ever had clear title to sell the house to us and we never had clear title to sell the house. We were notified that the home was being transferred out of Bank of America to FHA. All of a sudden Bank of America foreclosed on the mortgage and we lost our home. We hired an attorney to represent us in the foreclosure, but the judge ruled against us, completely disregarding the fact that a clear title to the house was never possessed and the mortgage was sold so many times. no one could figure out where to get it. I was unaware of the settlement provisions available to homeowners who lost their homes. Are there any actions of recourse to sue Bank of America for not transferring the mortgage as stated and never having a clear title to pass it to us or a mortgage that was good in the beginning of the transaction? The property address was XXXX XXXX XXXX XXXX XXXX , FL 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 2018-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
on XX/XX/XXXX my wife and i totaled our car my insurance adjuster tried for 2 weeks to get a response so he could send a payment out. in the mean time he mailed a check made out to us and wells fargo to try and get a response in the meantime i was called every day asking for payment. they received a check on XX/XX/XXXX for XXXX dollars, i know that because i was told that, my insurance adjuster XXXX ( XXXX ) for XXXX XXXX XXXX notified me that the check had cleared their bank on XX/XX/XXXX. and he mailed them out the balance after i talked to the office of the president. he finally got to talk to someone who promised to send him a letter of gaurantee for the title but they sent him the wrong information, they finally fixed that and sent the right information, when he contacted them on the XXXX XXXX from the presidents office said they never received the check and that he was wrong. now i just talked to them and was told they did receive that check but not sure the date and it would take several weeks to credit my account, in the meantime they should have received the second check, but nobody knows, i have gap insurance but cant start it without a copy of the last check.in the mean time they are charging XXXX dollars a day interest to my account and destroying my credit,

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 2018-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX, I received an annual escrow account disclosure statement dated XX/XX/XXXX from Lakeview Loan Servicing , LLC. This statement reflected a {$1900.00} shortfall in the escrow account associated with my mortgage, & the mortgage payment was set to increase 27 % from {$660.00} to {$830.00} on XX/XX/XXXX. Property taxes are only {$370.00} per year, & XXXX property hazard insurance was {$2000.00}. {$250.00} of each mortgage payment was being deposited into escrow throughout XXXX, which should have easily covered these amounts for the year. However, after calling Lakeview Loan Servicing 's customer support line ( XXXX ) 3 different times on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, & being placed on hold for over 45 minutes each & every time, Agent #  XXXX ( XXXX ) finally admitted that escrow funds had been misapplied between my escrow account & someone else 's account in early XXXX. After the loan company " fixed '' their mistake, somehow my escrow account is now nearly {$2000.00} short. They now need to make up the difference over the course of 12 months by raising my overall mortgage payment to a level that is completely beyond my current budget, as my wife has recently become employed again after a long period of unemployment. Although XXXX clearly admitted on a recorded line that the escrow mistake was made on their ( Lakeview Loan Servicing ) end of things, I am still left with them expecting payments exceeding {$800.00} per month beginning XX/XX/XXXX. If I could fire this mortgage company, I would. Apparently raising my mortgage payment by nearly {$200.00} is the only option available to me, even though the mistake was on their end & I have done nothing wrong. I have been offered no other options or detailed explanation, or even an apology for getting my escrow account so out of sorts to begin with. Unfortunately, my plan of action at this point is to pay my normally budgeted mortgage payment of {$660.00} in XXXX, because it is all that I can do. I am sure that the late fees will start piling up, & if it goes on like that long enough, I will end up losing my house over a " fixed '' mistake that this horrible loan company made with my escrow account. This has ultimately turned my American dream of home ownership into a real nightmare, & if there is any way for other homeowners to avoid this company, PLEASE DO SO!

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 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Collection Partners, Inc.
State: OK

Complaint narrative:
Subject and History My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX, Oklahoma XXXX. Since about XX/XX/XXXX I owned XXXX XXXX XXXX in XXXX   XXXX, IL. We currently live in XXXX, Oklahoma and have for almost forty years. On XX/XX/XXXX, City of XXXX IL., filed a Complaint in XXXX , IL ( XXXX County , IL ) for perceived Ordinance Violation against me/defendant, under XXXX City Code , alleging an unsafe and dilapidated building, asking TR Court for a fine not less than {$250.00} and nor more than {$500.00} first offense ; same range for any subsequent conviction within a year period, and a further penalty in like amount for each day etc. On XX/XX/XXXX trial judge fined me {$110000.00}. On XX/XX/XXXX, at hearing trial judge case to be sent to collection agency ( see attachment Court Docket ). 
On or about XX/XX/XXXX, Credit Collection Partners, ( IL license number XXXX ) XXXX, IL.,  sent me XXXX XXXX ( senior ) ( XXXX , Oklahoma ) a " Notice of Non-Compliance '' for Amount Due {$170000.00}, ( see attachment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
On or about XX/XX/XXXX, we responded in writing disputing to Credit Collection Partners, advising them the Amount Due {$170000.00} was incorrect. It appears collection agency added an additional unauthorized amount due of {$31000.00} for unknown reason ( s )? ( see attachment XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). 
On or about XX/XX/XXXX, Credit Collections Partners, sent me another written communication this letter provides the latest account balance information that is owed to this collection agency. Amount Due {$140000.00}. The content of this correspondence is much different too, please compare the two documents for specifics, ( see attachment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Just started looking at my credit recently, and noticed there is a medical bill that i have no idea where it came from, i havent been to the doctors in over 15 years, Never Broke a Bone or Been Sick in Past 15 Years or So I'm not sure what this Bill is about When I XXXX the Company, it has nothing but 1 Star Bad Reviews, and there are hundreds of lawsuits against them for not Updating Credit that it has been Paid or Removed like agreed So i think it's a Scam Company Please Look into it and Let me know what i Need to do to get this Removed Thanks XXXX You've paid off -65 % of your collection amount. 
Balance {$10000.00} Highest Balance {$6300.00} Opened XX/XX/2011 ( 6 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX HOSPITAL DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX heres there reviews You'll see People had to take that to court and there XXXX reviews can be  found by XXXX searching XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am filing a formal complaint for XXXX XXXX XXXX falsely reporting my account to collections to the credit bureaus for debt that I do not owe. 
Attached to this complaint, you will find a copy of our original payment arrangement agreement, as well as proof of payments. In XX/XX/XXXX, I was not billed even though Midland had me set up on automatic payments to be withdrawn on the XX/XX/XXXX of each month. Midland sent me account to collections in the amount of {$730.00} when I only owe {$180.00} left on this account. It is clearly stated in our attached written agreement that if this payment contract is broken, that I would be sent to collections for the original balance, MINUS the payments made, yet they sent my entire account to collections. 
I called Midland on XX/XX/XXXX at XXXX PST and spoke to XXXX XXXX . XXXX was very rude and stated it is not his responsibility nor Midland 's responsibility to follow up with me regarding missed payments. I reminded him repeatedly that I am on an automatic payment plan, and he stated that since I missed a payment, I now owe the full {$730.00}, which is factually wrong, according to the disclosure printed on our payment arrangement. 
This account needs to be removed from collections since XXXX is falsely reporting me for debt that I do not owe. My three payments of {$180.00} and one payment of {$100.00} are not being recognized, so this account needs to be removed from collections immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Keep calling. Threatening to sue. Garnish wages. Call place of employment. Family and friends.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

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 2018-02-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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 am complaining about this item called XXXX that I see online is an auto finance company that needs to be removed immediately. Please delete this misleading information in order to show my true credit history.

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 2018-02-20 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: CT

Complaint narrative:
Experian Credit bureau has wrong address Experian has 3 same address and 2 old address that should have been removed and updated I have spoken with numerous customer services specialist to no avail Experian still have closed account from 5 years ago on my credit report 3of them are from  XXXX XXXX 2 are from the XXXX XXXX XXXX I have disputed and ask them personally to delete it is still current on my credit report I have been giving the run around from the company for the past six months my report number is as follows 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 non-monetary relief
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I went into XXXX to get some clothing and handed over my credit card. As I was paying, the associate ask me if I wanted sign up for a credit card, so I said yes that would be fine. They handed me a card and I went on my way. Next month, I went into the store to pay my credit card and I went in and handed them the card they gave me. The associate said this was a rewards card and nothing to be paid. The associate was new and instead of trying to look if I had a credit card, just told me I had nothing to pay since it was only a reward card. So I figured that they must have used my regular credit card, not XXXX 's credit card, that I handed to them to make the purchase. A month later I got a letter from XXXX stating that I was now in collections, so I ran down to the store to pay it off and the supervisor apologized for the confusion and was able to locate my account and pay it off in full. I paid it off in full but she never mentioned that they would leave the late payments on my credit report even though it wasn't my fault. The supervisor apologized for their reps confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: KS

Complaint narrative:
This is the 3rd time I am writing this, as it disappears as I click a link like the one below. 
Harris and Harris Ltd. calls every other day using a recorded message stating they are debt collectors. The 3rd week in XX/XX/XXXX I called them and asked why and how they collect using a recording. The woman became agitated and said that's what we're told to do. She said that she checked my phone number and I didn't owe any money. I asked if she was sure so she asked for my cell number. Immediately after I gave her my number she repeated that I didn't owe anything and was anxious to end the call. The calls stopped through the holidays, then resumed. For XX/XX/XXXX calls were received on the : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All other calls have deleted as they exceed the number of calls I ; m able to save on my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
The Credit Card Company is HSBC.

1 ) They promised me checks so that I could transfer $ $ from my XXXX XXXX HELOC to HSBC after my account was approved. Check were supposed to arrive XX/XX/XXXX -- never arrived. 
2 ) So I began the Transfer with XXXX XXXX ... .money finally got over in early XX/XX/XXXX. All good so far.

3 ) On XX/XX/XXXX, HSBC charged me {$230.00} for what they call a " Transaction Fee '' for the Transfer ( 4 % ) My dispute is nobody ever told me I would be charged a fee ... .its buried in their disclosure. My purpose of moving the money was to avoid interest at XXXX as HSBC is interest free for 18 months. Well this {$230.00} ( a hidden fee to rip off people like me ). I want the {$230.00} fee waived as its a shameless move to rip off users.They need to be more upfront. I would not have moved the $ $ had I known it would cost $ $ . Plus, if I had the checks they promised, I could have just written a check ( I stilll have not received the checks they promised me.

NOTE : Their Customer Service is terrible as well

Company response to consumer: Closed with explanation