vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I get dozens of calls from XXXX. I never pick up, they never leave a message. XXXX claims it is Kohls. I do not have a Kohls credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I'm not sure where to begin but ill try and begin at a relevant point, over 2 years ago I wound up in a difficult life position, I needed a new home and I needed new tradelines on my credit profile. I walked into wells fargo bank and asked about getting a credit card. they declined me because no reporting trade lines ... so I opened a secured card, which I was told would be graduated in 6-12 months by the employees of the branch and is some brochures they showed me. 

I have never missed a payment and paid on time for 2 years, ive asked this card to be graduated many times over the last 18 months and each time I was told its automated. when I made deeper complaints I was refered to the office of the president case number XXXX in which I was told I would have the matter settled on no less then 3 occasions over the last 4 months and each person who contacted me and said I will have this complete in 30 days ..never heard from them again then I would respond to the original email, and a new person would tell me they would resolve the matter in 7 days and forth all the up until now 4 months later.. 

they just billed me again for the annual fee because I couldn't graduate or change products because they are fee harvesting me, I am definetly being abused in this situation and I need your help.. 

the greater point is this, I have paid the account to XXXX balance and I need the deposit to pay off another card which is not secured. these other balances are making my utilization appear higher then it really is as I move toward a refinance of my home. hurting my credit score and driving up the expected rate I will pay on a conventional mortgage..so to me there is more at stake then my deposit my wells fargo card number is 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 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I recently filed complaint XXXX with CFPB. This complaint is in regards to incorrect and inaccurate items being reported on my credit. 

I have emailed this company directly, filed a XXXX  claim, and a previous CFPB case. This information is still showing on my credit report. 

by law : FDCPA stipulates that the collection agency has 30 days to validate and verify claim against me. It has been over 120 and to date I have still not received this information. 

By law the company must stop reporting damaging information to my person or they are in breach of FDCPA and should be fined by CFPB in addition to damages owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
Caliber Home Loans added a separate, completely unrelated, parcel number to my account and demands that I put into my escrow that property 's taxes, in addition my own. They have used my escrow to pay the taxes for both homes. They state that I owe over {$5600.00} for the other property. This is completely false. I noticed this two weeks  ago. 
Their tax department is " researching '' while their mortgage department has increased my monthly mortgage from about {$1200.00} to over $ 2,300/month. The tax department and the mortgage department do not communicate. 
The mortgage department is aware of the tax issues but refuses to keep my original mortgage payment active until this is resolved. I have continued to pay my regular mortgage amount. This, according to them, has put me in arrears on my mortgage payment, and they send me debt collection letters, plus their debt collectors call me several times a day. They state that I owe over {$3000.00} in unpaid mortgage bills. 
Their customer service department stated today ( XX/XX/18 ) that they will not fix my credit, which is now ruined due to their mistakes, they will not refund the added fees I have accumulated, and they refuse to remove the unpaid ( completely false ) mortgage amount from my account. 
My county 's auditor has confirmed that the parcel added to my account does not belong to me, has never been listed under my name, and they stated that my own taxes have actually decreased. 
I am currently trying to fix this issue and have done so for over two weeks. Caliber Home Loans have been less than helpful, and is, frankly, completely incompetent when it comes to this matter. 
I have contacted the XXXX, my original mortgage broker has never seen anything this messed up in her entire career ( she is currently involved ), and will contact the Texas State banking division.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From approximately XX/XX/XXXX, to XX/XX/XXXX, I submitted HAMP loan modification paperwork again and again-wrongfully denied the HAMP loan modification each time! The loan was given to XXXX XXXX   which was taken over by the notorious foreclosure king ( XXXX XXXX, CEO, " Foreclosure King '' ), OneWest Bank! OneWest Bank   continued to pretend that they are really interested in modifying my mortgage under HAMP guidelines but cheated me out of the HAMP modification over and over again! XXXX XXXX, a loan modification agent of XXXX/OneWest Bank, denied me, once again, the HAMP loan modification on XX/XX/XXXX! He stated that the property was not " owner occupied! '' He said that OneWest/XXXX XXXX came to this conclusion and is denying my loan modification because the " sent somebody to knock on the d oor and nobody answered! '' How is that fair!!?? OneWest/XXXX XXXX made no appontment with me, dropped by whenever they felt like it, knocked on the door, and then left. OneWest/XXXX XXXX said that nobody answered the door and therefore the home is not owner occupied!! Do you see the blatant deceipt and lie that Onewest/XXXX XXXX  used on me??!! They kept playing these horribly fraudulent tricks on me because they never wanted to give me a HAMP loan modification at all. They were deceitful liars all the way through! I was in loan modification with them on XX/XX/XXXX. They dis not care. They foreclosed on my home on XX/XX/XXXX,  forcing me to find another place to live! They stole my property from under my nose without paying any attention to the HAMP loan modification that was sent to them and because they were pretending and lying all the way through. Again, they had no intention of giving me a HAMP loan modification. They wanted to foreclose from the very beginning of the process and steal the property from me! I am very upset, as a hard-working, XXXX American citizen, and I am outraged that OneWest? XXXX XXXX were able to abuse me in grand theft property and home! I did everyhthing properly to modify my loan under HAMP guidelines and both XXXX XXXX and Onewest Banks did  everything improperly to frustrate me, pray for me to go away and give up the HAMP process, and ultimately steal and foreclose on my home, my property. This is why OneWest Bank is known as the " Foreclosure King! '' Please, for the love of justice and America, please bring me justice from this extremely crooked bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA Potentially Negative potentially negative icon show account button Account NameCBNA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX. 
Called CBNA to report deceptive practice from Best Buy Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with Best Buy Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to Best Buy. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the Best Buy card after I paid off the TV. 

The sales person at Best Buy flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by Best Buy employee.

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 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I signed up for automatic payments to be deducted from my bank account. I received a confirmation email on XX/XX/18 that this had been established and nothing else would be necessary. Some time later ( in XX/XX/XXXX ) I found out that the XX/XX/XXXX and XX/XX/XXXX payments had not been withdrawn and that my account was delinquent. I made both payments at that time. My credit report now shows missed payments with a significant impact on my credit score. 

When I contacted the bank they suggested I send a letter to a P.O.   explaining the problem. Which I did.

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 2018-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc.
State: AL

Complaint narrative:
Today, I received a collection letter for a debt that was discharged by Judge XXXX, in XXXX, Alabama, around XX/XX/1987. I will have to say they have very long memories but I definitely remember this event because it was a terrible memory in my life, and now, 31 years later some of this debt has resurfaced again after it has long since been forgiven by the Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: GA

Complaint narrative:
Twice in the past, XXXX has attempted to collect a fraudulent debt stemming from its efforts to extort me during my six-month stint as a customer in the latter half of XX/XX/2016 ( see CFPB Case # s : XXXX ; XXXX. XXXX, XXXX and XXXX ; XXXX, XXXX ). Despite the fact that each collection agency assigned to the debt has forwarded it back to the creditor when I submitted evidence that the debt is fraudulent, XXXX continues its effort to extort me by pursuing the debt, this time through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian refuses to remove a collection account, even though it has been paid in full. I have repeatedly tried to contact them.

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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: CA

Complaint narrative:
ERC recently sent a bill from 8 years ago on behalf of XXXX XXXX XXXX. This bill was issued in California and by California Statute of Limitations, all debt after 4 years is null and void. I explained this to ERC and sent them documentation, yet I am being still being sent letters. I am writing to enforce the FAIR DEBT COLLECTION ENFORCEMENT ACT as well as ask that this collection agency be reported for misleading the public. This debt is not valid in the State of California as it is past the Statute of Limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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: CA

Complaint narrative:
XXXX Potentially Negative potentially negative icon show account button Account NameXXXX   Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX 
Called XXXX to report deceptive practice from XXXX XXXX Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with XXXX XXXX   Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to XXXX XXXX. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the XXXX  XXXX  card after I paid off the TV. 

The sales person at XXXX XXXX  flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by XXXX XXXX   employee.

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 2018-08-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocky Mountain Capital Management
State: OR

Complaint narrative:
I noticed that there was a new account on my my XXXX and XXXX  credit reports for ( XXXX ) XXXX XXXX XXXX  as a charge-off. I contacted XXXX on XX/XX/18 @ XXXX and spoke with XXXX who told me that they sold this debt to Rocky Mountain Capital Management. I informed him that this is not my debt and he stated that XXXX no longer has access to the system that has the original documents for this loan and can not verify anything. This sounds like fraud to me! I informed him that This is not mine and to remove this from m y credit reports and to never contact me again and also informed him that In Oregon you have to have a license to do business such as payday loans which XXXX is classified as and they do not have a license in Oregon. You also have to have a license to collect debt which Rocky Mountain Capital Management is also not licensed. I have attached documents showing these companies have no licenses in Oregon. They are also not found in the XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Bought our house in 2004 from wells fargo for XXXX was told i did not qualify for a modification my home went into foreclosure i begged and borrowed the {$20000.00} they said i needed to stop the foreclosure ( including fees ) selling my house now and i am told my payoff is XXXX????? How is this possible

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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
I contacted XXXX XXXX the original creditor on two occasion, and ask them to send me a copy of the bill that I owed. The first rep told me he would. 2 weeks later still no bill. So I then contacted XXXX XXXX again and was told to leave a message and someone would contact me, well the rep did. Upon speaking to her I asked her was it okay to record the call she said yes. I explain to her what I needed and she proceeded to tell me if she was able to print the bill she would but she dont have one. She stated that they dont keep records of bills from years ago. So XXXX XXXX  removed it off my credit report immediately. So heres where XXXX XXXX come in a month later XX/XX/2018 posting the same bill that XXXX XXXX original creditorremoved off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There were fraudulent accounts on my Equifax credit report and I asked Equifax to remove these accounts and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/18 I opened a US Bank Checking account ending in XXXX with a promotion for {$200.00} when performing qualifying activities on the account. I can confirm that I met these requirements ( Direct Deposit at least {$1000.00} into the account within 60 days ). 

After speaking with U.S. Bank, they insist I will receive the bonus within 1-2 business days but each time, I do not receive the bonus. 

I believe I have met all the condtions as outlined on the terms and conditions page of the bonus, and even received a reply from customer service that I will receive the bonus.

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 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 I responded to an offer for the American Express Business Platinum Card that required a {$25000.00} spend within 3 months for XXXX Membership Rewards points. I used the card exclusively and appropriately for all my business expenses and received the bonus by the end of XXXX. My balances on the card have been paid in full and are currently XXXX. I currently have XXXX Membership Rewards points in my account. Today I attempted to transfer XXXX XXXX points to a frequent flyer account to purchase a frequent flyer ticket ( On XXXX through the XXXX   program ) as promised as one of the perks of this {$450.00} annual fee card and according to the Cardmember Agreement. I received the following error : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I immediately called the Membership Rewards Customer Service number. Speaking to a supervisor, she reported that although there is no issue with my credit card, they are reviewing my Membership Rewards account for an unknown reason. I have never used my Membership Rewards points for any activity before. They claim this review will take 6 to 8 weeks and until then I can not use my Membership Rewards points for any transfers to frequent flyer programs. Without these points, the travel I need to plan immediately to attend my relative 's funeral will have to be completed in another manner. American Express is in violation of their Cardmember Agreement and based on a quick review of online complaints I can see that a class action lawsuit over this matter may be customers only recourse. In 10 years of using XXXX XXXX XXXX  points I have never experienced such an issue and it is extremely disappointing to receive such treatment as a so-called " Platinum '' member. Clearly, I will not be using their cards again.

Company response to consumer: Closed with non-monetary relief