vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: NE

Complaint narrative:
This debt is over 4 year 's old was bought out in XXXX and re-open. Lockhart never contacted me, nor sent letter. Just put it on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I received a notice from my bank " You are among a group of members who will receive a restitution payment due to one or more requests you made to dispute a payment between XX/XX/XXXX and XX/XX/XXXX. At the time you made your request, there is a chance your request was not handled properly. '' iao {$180.00} this has not been paid as of yet but that is a separate issue ( the payment I mean ) ...

The Current issue is related, a dispute for credit/refund not given by an offshore Rental Car Company "  XXXX '' on XX/XX/XXXX when I cancelled almost a month prior was never refunded by the company. I've been back and forth with my bank USAA since, they've apparently had ongoing " dispute department '' issues ( as have I with my bank ) over the years for inconsistency on notices and refunds in the past. I currently still have a XXXX XXXX XXXX  complaint open on this charge ( which I was charged again today after " dispute review '' on the 3RD TRY submitting documents with ZERO NOTIFICATION. They just charged me again with no notice. I have also emailed and been in correspondence with the CEO of the bank informing them of the incompetencies of that department, apparently with little resolve. 

Please advise, and thank you for your time. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an HSA account with XXXX. Because it charges monthly fees, I decided to open a new custodian account at XXXX. 

On XX/XX/XXXX, my new custodian sent the transfer request to XXXX. However, XXXX claimed it never received the request. 

On XX/XX/XXXX, I asked my new custodian to send the second transfer request. On XX/XX/XXXX, I called XXXX to check if it has received the transfer request. The customer service representative said they have not received any forms. 

During XXXX to XXXX, XXXX continued to charge me {$14.00} fees. I expressed my frustration to the CSR over the phone. She later told me that they did receive the form for XXXX XXXX, but not XXXX XXXX. Obviously, it was a lie. 

I expect the XXXX can process my request and send my money ( and refund of extra charge ) to my new custodian immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
They say I owe them money for medical services from XXXX I offered to pay {$3.00} a month cause thats all I can afford, Im a senior and live on social security and Im XXXX and Im XXXX years old. The will not accept that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear XXXX/XXXX Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XX/XX/XXXX on my Trans Union and XXXX   credit report. After numerous attempts to rectify the missing reporting data for the month of XX/XX/XXXX, XX/XX/XXXX payment data has also not been reported to Trans Union and XXXX. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.

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 2019-02-08 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: CT

Complaint narrative:
Dear XXXX/XXXX  Re : acc # XXXX To Data Furnisher I had called XXXX customer service in reference to missing credit data in the month of XXXX on my XXXX XXXX and Equifax credit report. After numerous attempts to rectify the missing reporting data for the month of XXXX, XXXX payment data has also not been reported to XXXX XXXX and Equifax. Due to either technical difficulties, I assume the data furnisher is not fulfilling its requirements under the Fair Credit Reporting Act and Rule 660. This account is closed. I expect the payment history to reflect my payments made to my account consistent with my credit and payment history to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
My XXXX XXXX XXXX credit card ( through XXXX  XXXX   ) had a payment that was late in XX/XX/XXXX and I was called about it in XX/XX/XXXX after it was too late to fix. My address on record was originally incorrect, so I did not recieve mail regarding my credit card or payments.I have since changed my record of address. I was also not sent an email about the payment or the fact that it was late, this was verified for me over the phone. I thought I had paid the complete amount and was unaware of any balance on the card. As soon as I was notified of the problem I paid the card off in full, including the late fees. I spoke with someone on the phone and was told that I was not at fault and to please file a dispute with the company. I am an XXXX XXXX XXXX in XXXX, Alaska. I always make sure that my payments are prompt ; this was an honest mistake that I would not have made had I been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case. 
The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX  company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.

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 2019-02-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am enclosing a copy of the letters that I mailed to your company via mail requesting that you verify the alleged debt your company claims I owe. I sent two letters to XXXX  and Experian. First letter regarding accounts that was not verified. It was over 30days and I have not heard back from either company. So I sent another letter regarding no response and they have still yet to respond to me. This was last year 2018 in XXXX and 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 2019-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wellsfargo online has been down, and not accessible since yesterday ( XX/XX/2019 ). I have been unable to conduct banking business. I have a debit, savings, and credit card through wellsfargo, so this is a considerable inconvenience.

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 2019-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Was not informed of debt until after being placed in the credit bureau asked for verification notice and found inaccuracies. Please provide a copy of payment history and the amount stating I owe along with signature of an agreement. Along with proof of trying to get in touch with me about the debt.Payment history first and last payment received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Personal information on all credit reports have my name ( s ) that are not mine, address where I did not live, and jobs listed at places that I did not work.

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 2019-02-08 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: NJ

Complaint narrative:
self lender/ XXXX XXXX  is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging 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 2019-02-08 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: NJ

Complaint narrative:
XXXX XXXX/ XXXX XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 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: NJ

Complaint narrative:
XXXX XXXX/ XXXX  XXXX is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging 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 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
Name on Mortgage : XXXX XXXX ( XXXX XXXX XXXX ) Name on deed : XXXX XXXX  XXXX Mortgage Holder : PHH Mortgage, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Loan Number : XXXX First Payment Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Unpaid Late Charges : {$0.00} On XX/XX/XXXX I received a monthly mortgage statement demanding payment by XX/XX/XXXX for my monthly mortgage amount. This statement was the first statement that I have received in 7 years. I have paid my mortgage electronically from the same bank since the inception of the loan in XX/XX/XXXX. Ergo, there have been no late payments during the life of the loan. When I called the number on the statement I spoke to XXXX, XXXX  Agent in the XXXX. He kept on saying many times that he had no record of any of my payments and that I would have to go to my bank and make arrangements to set up automatic payments if that is what I wanted to do. He could not offer any other solution to the discrepancy. I have computer documentation from my bank and PHH mortgage showing that I have fully complied with the payment provision of my loan through the XX/XX/XXXX. This morning I have a print out of my latest bank statement showing my XX/XX/XXXX payment cleared and was collected by PHH Mortgage. When I checked my account with PHH, when I log in it says : You do not have any account associated with your profile. This incident is the most current of a whole litany of unpleasant experiences with PHH Mortgage over the past 7 years. 
I am in the process of refinancing my loan with XXXX XXXX and I view the latest actions by PHH mortgage as nothing but harassment to help them retain a good paying customer. I am concerned the PHH Mortgage will jeopardize my refinance application and may also start charging me late fees and ruin my sterling credit rating. Anything that you could do to mitigate the impending situation would be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Consumer has a credit card with Wells Fargo Bank. 
Consumer used a promotional interest rate of 3.99 % which was suppose to expire in XX/XX/2019.It was solicited by Wells Fargo Bank Consumer has been making all payments on-time. 
In XX/XX/XXXX, Consumer did not receive a billing statement. 
In XX/XX/XXXX, anticipating that a payment is due, consumer still made a higher than anticipated payment which arrived at the bank just two business days late or four days if weekend is in included. 
As a result, bank charged the consumer a late payment fee of {$39.00} on XX/XX/19 statement. 
As a result, bank removed the promotional rate and started to charge a penalty rate of 12.25 %. 

Consumer monthly minimum payment went up from {$750.00} to {$1100.00}. 
Consumer is being forced to pay an interest rate charge per month of {$560.00} instead of {$180.00} thus costing almost {$380.00} additional in interest charges per month until XX/XX/2019. 

Consumer believes that Wells Fargo change in interest rate is a predatory lending practice and is in violation of consumer federal protection act and other federally granted consumer rights. This complaint is not an isolated issue. This bank has history of fraudulent business practices and has been on the news more than any other bank. 

Consumer hereby requests that 48 business hour delayed payment does not constitute a breach of contract to remove a promotional rate from the account. Hence this issues should be resolved by re-implementing the 3.99 % interest rate, returning {$39.00} late payment fee. 

Consumer also request that bank changes its promotional offers, be more transparent regarding its penalty rate. No one has an idea if they miss the payment by one hour or 96 hours are likely to incur penalty interest rate. Bank needs to define that payment needs to be missed one or two billing cycles. This period can not be in hours. This is fraud and abuse. 

Consumer intends to fight this charge through all available channels if this issue is not solved. My concern is how many others are in the same shape when as a physician and with business degrees, I am a savy borrower who has NEVER missed a payment for over two decades. 

I can be reached via XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2019-02-08 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I was alerted by XXXX the Midland Funding LLC had made an unauthorized hard inquiry on my report. Midland was removed from my report in XXXX. I called XXXX on XX/XX/XXXX at XXXX. I wastold they did not do the inquiry and that i need to have XXXX remove it. XXXX said Midland isnt being honest because they did initiate the hard inquiry. I recorded the call proving they said it wasnt them so i would like this inquiry deleted ASAP. This company is well known for there poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
- We applied to get our PMI removed in XXXX of XXXX through a BPO which Wells Fargo has as an option on their website and for their loan/mortgage holders - Wells Fargo sent someone out in XX/XX/XXXX to do a walkthrough of the house we did not pick this person ( more than 30 days after our initial inquiry ) - XXXX through XXXXX - Third Party rejected the BPO that was sent in due to square footage ( we finished our basement so SF was increased ) - A second person contacted us to do an Appraisal rather than a BPO ( note this person was also sent by WF we did not pick them ) o Date set for XX/XX/XXXX o They cancelled on us a few days beforehand, saying WF did not approve of them coming - Third person contacted us and set a date for XX/XX/XXXX o They walked through the house o WF / Third Party ( whoever pays the appraisers ) did not get contract correctly or on time o Appraiser did not release information o WF opened a case and was looking into it ( supposedly working with XXXXXXXX who has not returned phone calls and messages ) - On XXXX we got a letter in the mail saying our request for BPO was being cancelled and that we did not respond to an appraiser who tried to get ahold of us o We worked with three people o Two of which walked through our house and made up reports o One cancelled o We have now taken off of work and made adjustments 3 times - Wells Fargo is not returning our calls or messages regarding this issue o Both myself and my husband have been trying to get ahold of XXXX or his superior with no luck Please note that we have been investigating The Homeowners Protection Act of 1998 ( amended in 2000 ). This is also known as the PMI Cancellation Act. We have a good payment history, we are current, we have submitted a request to remove the PMI, and we have done everything required on our end to show that our house has increased in value and that our loan balance is less than 80 % of what the house has been appraised at. 


We paid up front for the BPO to be done, and are now paying every month for our PMI which is over {$250.00} a month.

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