vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: DE

Complaint narrative:
I took  my BMW in to  the  XXXX   XXXX   XXXX  DE  location  in   XX/XX/XXXX  to  start exploring getting a new lease since it was up in   XX/XX/XXXX .  While I was test driving they did an exception on my car and when I returned they told me no worries nothing is wrong with your car. Which I expected since it only had  XXXX  miles on it. I hardly ever drove other th an   XXXX    miles to and from work. I decided not to go with  BMW an  instead go with a  XXXX . When we called they said no issues with turning it in early.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
They trying to change the term of the loan agreement I have pay my insurance and my taxes separated and they forced me to get the insurance together with the mortgage I been having making payment on time I have receipt and they send me a letter telling me that I am behind  XXXX  and if I do n't pay in 30 day they will trying to do forcloure and I call them and know they said it 's a mistake that they will let me know later how much I owed them I want them to stop forcing me to have the insurance and mortgage together and explain to me in details all my payments we never received details of my payment

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 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I never applied for  an amazon.com visa signature credit card from Chase bank USA, N.A but was sent a denial for credit letter which damaged my credit report and credit score. I attempted to contact the company but there was not a single contact phone number or email address to contact them and I can not have my credit further damaged for months while they attempt to sort this out through regular mail. I also attempted to contact them through their website which gave no phone number to call unless you where already a card holder. I feel this is a blatant attempt at fraud for which I am paying the price through my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 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: WA

Complaint narrative:
I have been contacting Equifax and  XXXX   XXXX    XXXX   XXXX   for the last 5 months in order to correct information on my credit report. Equifax is the only credit reporting agency that is reporting  XXXX  accounts with  XXXX   XXXX    XXXX   XXXX    XXXX  account is for the amount of {$1200.00} and the other account is for {$500.00}. They are both debt to  XXXX   XXXX  in California.     I 've spoken with  XXXX   XXXX    XXXX   XXXX   multiple times and they have confirmed that the only information for those  XXXX  accounts that they have is my name. No other information included DOB, address or SSN match their records. I then have tried to file a dispute with Equifax, nearly twice a month and they continue to claim it 's valid. I 've informed Equifax that I 've spoken with  XXXX   XXXX    XXXX   XXXX    and they have confirmed with me that those  XXXX  accounts do not belong to me.     Every time I call Equifax, they will only file a dispute and refuse to assist me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: CO

Complaint narrative:
equifax has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.       XXXX   is the one who put the fraud alert on the report then they notified Equifax and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I find that the Bank of America online banking website for my   XXXX   XXXX   XXXX   card lacks enough basic information in obvious locations to educate consumers on their processes. This practice seems predatory. The statement balance amount and due date are n't automatically populated when you go from Account Overview to the Bill Pay Center tab of the site, which creates an extra step prone to human error while transferring the information from one place to another. The Bill Pay Center tab also does n't provide sufficient information, anywhere, that explains the different between  e-Bill  and  Recurring  Payments. When you try to establish an automatic payment, the website warns you that it takes a complete billing cycle to go into effect. My  XXXX  balance was paid twice (  XXXX / XXXX /  XXXX   &  XXXX / XXXX /  XXXX   ) and the latter was my e-bill initiated payment, which I was led to believe would NOT go into effect until it was time to pay my  XXXX    XXXX   statement. The website should provide a warning that my e-bill initiation would cover a specific statement. Consider elderly people, people living paycheck to paycheck, or young credit card holders that can not afford the mistakes that the BOA website seems designed to lead people to make. The mobile application is not much better! Until recently, your monthly statement balance was not easily located and also required poking around on lots of screens until you discovered useful information like statement balance.

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 2017-05-08 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I have paid off my car loan to the finance company (  Santander Consumer USA  ) and had not received my car title. I tried calling several times to the company and never got to speak to a representative. I received a notice from the company almost  two  months after my last payment and my maturity date of my loan stating I still owe an amount. I called the company again today and was finally able to speak to a representative of the finance company. I asked why did I still owe on my loan since I have paid all the payments in my loan contract and my loan has matured. the representative said it was accrued interest. I believe that is wrong because the interest is paid within the first years of your loan and you do not pay principal until the last years of your loan. I went a year in a half longer than my initial maturity date due to getting an extension on the loan.     At this point, I feel I am getting slammed exorbitant ( fees and interest ) amount for a loan I have clearly paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: SD

Complaint narrative:
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified th e CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to prom ptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Sent multiple certified letters to Transunion about unauthorized inquiries to be remov ed and I got two letters the same day, one said they do n't have those records in my file and the other contained 500 pages of mixed credit reports, mine and a bunch of other people ... VERY ALARMING. I called them and they said they have more than one report on me and try to explain it as Senior vs Junior ( I do n't go by either ) apartment number was being reported on me when I 've lived in the same house for fifteen years. They supervisor said he notice some mixing up and need to send it to some other dept but I never heard back. My credit score from Transunion is significantly lower than the other reporting agencies. This company needs to get its act together because its messing with financial status.

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 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This is a follow up to a previous complaint that the company responded to. There explanation was not relevant to my concern. The previous CFP B Case Number i s  XXXX .     I am sending documents which further describe my complaint.       NOTE : THE TIMING OF THE EVENTS THAT ARE ATTACHED ARE PREDICATED ON CALLING THE BANK TO HAVE MY FUNDS APPLIED TO MY ACCOUNT. WITH MY INTERVENTION, IN 11 DAYS THE POSTING WAS COMPLETED. IT IS MY UNDERSTANDING THAT IT WOULD HAVE TAKEN 14 DAYS TO POST IF I HAD NOT CALLED AND REQUESTED THE PAYMENT BE POSTED.

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 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me a flyer saying if I spent {$1000.00} within 3 months of account openning, WF will give me {$150.00} cash bonus which is redeemable in 2 billing cycles. I did spent more than {$2000.00} within 1 month, asking WF to post that cash bonus {$150.00} to my account. WF said NO, I have to wait until the 3 month period passed then 2 billing cycles in order to get 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 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter Business Service, Inc.
State: MA

Complaint narrative:
Received a bill from  XXXX    XXXX   of {$900.00} in  XXXX . Called and sipited online ( see email attachments ) The next thing I know I received a letter from  Carter business service a debt collector with a different amount of {$1900.00} ( a mount I was never aware  of ) d ated  XXXX / XXXX / 2017 . Sent a debt validation on  XXXX 17 got a replied  XXXX  and my credit report was hit with the collection within the 30 days thus violating my Fair Debt Collec tion Practice Act.    It has been reported to the bureau within the 30 days.   See attached I am filing a complaint re : wrong amount and violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX   has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.     Experian is the one who put the fraud alert on the report then they notified   XXXX   and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

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 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.      XXXX  is the one who put the fraud alert on the report then they notified  XXXX  and Transunion to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.

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 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: VT

Complaint narrative:
I refinanced a home mortgage with AmeriSave Mortgage Corporatio n ( lo an number  XXXX  ). {$2100.00} was charged as part of the closing cost to establish an escrow account. One payment was made which included an additional {$440.00} for the escrow. The mortgage was sold to  XXXX   XXXX   ( Loan n umber  XXXX  ) and the escrow balance that was transferred was {$890.00}. I have no record of where the missing {$1600.00} went and my efforts to track it down have resulted in being placed on permanent " hold. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I used my  XXXX   XXXX  rewards  MasterCard ( Comenity )  to acquire a balance transfer to pay off anothet credit card. On  XXXX   XXXX  my account was charged  XXXX . I was charged for the balance transfer but it was not received by my other credit card.    XXXX   XXXX  wrote to me to verify the transfer was unsuccesful and my account would be credited. That was on  XXXX   XXXX  over 60 days ago.   I have not been credited and I also paid my other credit card through  XXXX  off myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Resource Systems, Inc
State: AZ

Complaint narrative:
United Resource Systems has placed a debt of {$730 .00} on my credit report on behalf of  XXXX   XXXX   XXXX . I have no knowledge of this debt and I 've disputed it several times and they 've never provided support. I have NEVER lived in  XXXX  County. I moved away from SC in   XXXX  , how could this debt belong to me? I would like to have it removed  ASAPas it s impacting my credit worthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In  XXXX , I was unemployed and became past due on my student loan. This information was reported to the credit agencies.  Navient re ports that I was approx. 200 days past due. In  XXXX   XXXX , I submitted appropriate documentation to resolve the past due account which was back dated to  XXXX   XXXX   XXXX . I then enrolled in school in  XXXX   XXXX . I recently contacted Navient to obtain documentation that the account issue was resolved in  XXXX  and became current. Navient indicates that I was not sent a notice indicating that I applied for an unemployment hardship deferment. I have had a difficult time obtaining documentation that my student loans were current in  XXXX   XXXX -todate in  XXXX .     The past due account was reported to the  XXXX  credit bureaus. In order to obtain a professional license today, the state license committee is requiring me to submit documentation that my student loan past due accounts were resolved and have since been current. I have had a difficult time obtaining this information. Navient employees had been rude and have provided incorrect information concerning my accounts. I need to resolve the matter as quickly as possible.     In addition, I would like to know why the back-dated documentation resolving the past due amount did not prevent the account from being reported to the credit bureaus as a negative transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD

Complaint narrative:
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified  the CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that  " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor.  This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to promptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the r esponsibility onto them is NOT acceptable.

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 2017-05-08 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: Experian Information Solutions Inc.
State: SD

Complaint narrative:
After pulling a copy of my credit file I noticed an account being reported that I did not recognize. I notified the  CB, requested that they remove it, and they responded that it has been verified as mine. Questioning this response, I ( per the law ) requested all supporting documentation that was used to verify this account, along with the name and number of the individual from the CB that " verified '' the account and the name, number, and title, of the individual from the creditor that furnished the documents. I have sent multiple requests and have never received a response other than " the account has been verified. '' and directed me to contact the creditor. This is NOT acceptable and a clear violation of 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA the CBs are required to p romptly DELETE all information which can not be verified. Ignoring the consumer, avoiding their legal requests, and passing the responsibility onto them is NOT acceptable.

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