vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-22 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
when I review my statement I found the transactions blow XX/XX/XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX   XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX CA {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$4100.00} I did not made those transactions On XX/XX/XXXX I filed a frud claim to Bank of america and they told me that the transactions will remove from my account But on XX/XX/XXXX I found the transactions again in my account I called bank of america many times but no answer I filed a claim with CFPB Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Someone from bank of america called me and told me that they will review my case Yesterday XX/XX/XXXX I received a letter from bank of america that my case is denyed I moved from my old address ( XXXX XXXX XXXX, XXXX XXXX ) before these transactions I did not made these transactions and I did not receive anything from this company and even I do not have XXXX account I should have no liability and I am secure with the credit card

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 2018-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Outsourcing, Inc.
State: PA

Complaint narrative:
My husband is receiving robocalls ( at home, while he's at work ) from some company which comes up on the caller ID as " XXXX ''. The robocall assumes that someone is answering ( even though it's the machine picking up ) and says it will hold 3 seconds till my husband can get someplace " private '' -- which seemed VERY fishy to me ). When I called back to ask what it was in reference to they wouldn't tell me. So I said " If we tell you to not call the house, you have to NOT CALL THE HOUSE '' ( that is, as I understand it, the law ). Well we got another call this XXXX. So I called the number back, which was XXXX and got some company called " XXXX XXXX XXXX '' ( or some such ) and told the woman who eventually answered ( I did NOT give my phone number! ) that they had already been told NOT TO CALL. It got a little heated and the woman hung up. So I called again ( hey, it's THEIR dime ) and got someone else who *assumed* it was my husband calling -- so much for not giving them my phone number .... And I again said " It's illegal for you to call my house after you've been told not to do so! '' I then deleted the message and called my husband at work ( this may be a medical debt that he THOUGHT he had taken care of long since ) and he was going to try calling the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: CA

Complaint narrative:
For the past 3 months I have tried to have a fraudulent account that was placed on my Equifax credit report removed, but I am getting nothing but pushback from Equifax. I have supplied them with a certified police report and the account from XXXX XXXX XXXX/ XXXX remains. This is very disturbing because the account was not originated by me and has weaken my chances to get a loan that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Today, XX/XX/XXXX, I successfully used my XXXXXXXX XXXX XXXX credit card at XXXX XXXX XXXX for a small purchase of {$8.00} at XXXXXXXX XXXX At XXXXXXXX XXXX my XXXX XXXX XXXX XXXX was refused when I attempted another small purchase of {$19.00} at Walmart . Upon arrival at home I contacted the issuer, XXXX XXXX, at XXXX and was told we were part of a large group that were being issued new cards and that the current cards were therefore deactivated. Our current, jointly held XXXXXXXX XXXX XXXXXXXX credit cards exhibit " valid thru '' dates of XX/XX/XXXX. I was told that Synchrony had sent us an explanatory letter but we have received no such letter. They do have our correct address, a XXXX. XXXX, on record. We also just paid a bill to them and received no such notice on our bill. In this case, this matter is a mere inconvenience. However, we have other cards upon which we rely to pay monthly expenses such as utilities, and car payments. Had a card bounced in such a case our credit rating would be affected. We informed the poor Synchony rep that this was a very unacceptable way to run their operation and their poor practice could have negatively impacted us.

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 2018-05-22 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
In XX/XX/XXXX I applied for an American Express for the promotion of XXXX points if you spent {$1000.00} in the first 3 months. When I got the card XX/XX/XXXX there was no paperwork to show my promotion, so I called and they confirmed it was not on my account. They Then opened a case and said 6-8 weeks they would have an answer to what happened. 

I have reached out the them once a week since XX/XX/XXXX to today. It has been escalated 4 times to management and told me it would be another week for an answer. I have been lied to when I signed up for the card and never have gotten any answers on where my points are. I have also asked them to give me the registered name with XXXX to report them and the refused to give me any information. 

I want what I was promised. I have already spent thousands on the card and it has been 6 months of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
I had been a XXXX XXXX customer since XX/XX/XXXXand in XX/XX/XXXX, I moved. I decided to suspend my cable service until I found a permanent home. XXXX explained I could do that for up to 3 months. I was very clear and specific about the fact that I wanted to pay up to the last date of service because I didn't want to have any fees due as I know how cable companies are prone to refer unpaid, outstanding bills to collections. Well, after a month, I called to inform XXXX  that I wasn't going to reinstate service with them. Somehow, it turns out, I had a bill. I repeatedly asked them to send me the bill so that I could review the charges. I never received the bill and they continued to pursue collection for the bill. In XX/XX/XXXX, they referred my account to Receivables Performance Mgt. When I received their first collection letter, I requested a copy of the last bill and they didn't provide it. At this point, they have now posted the collection on my credit report. I find that both XXXX and Receivables Performance Mgt. have acted improperly in their collections process. I have a right to verify the charges and to review the last bill of service. I would like to have this corrected and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: TX

Complaint narrative:
They are calling me at work and I told them I'm not allowed to receive personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX # XXXX - Took out Flood Gap Insurance w/ out approval and refuses to update my account with the sufficient Flood Insurance policy information provided by XXXX XXXX - this has been taking place since XX/XX/XXXX. 

W.out my consent, Wells Fargo initiated a policy with XXXX XXXX XXXX XXXX for Flood Gap in the amount of {$2300.00} annual premium when I already had a sufficient policy in place with XXXX XXXX since the closing of the property in XX/XX/XXXX. 

Property Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX   Policy # XXXX Wells Fargo refuses to update my account with the correct and sufficient information from this policy. This is yet another deceptive ploy by Wells Fargo to charge their customers for products not warranted, not necessary, and not approved by the customer. Wells Fargo was sold my mortgage by XXXX XXXX shortly after I closed on the property in XX/XX/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 2018-05-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went through a loan modification process that took this company 1 year and a 1/2 to  resolved when they finally came through saying I was approved for the loan modification they informed me on a telephone call that I've made to them on XX/XX/XXXX, however they stated the loan modification was approved back on XX/XX/XXXX, I did not received any notices on the mail or phone calls or perhaps an e-mail stating this was already approved not to mention a placed phone calls to this company at least twice a month to check the status of the loan modification every month since the process started, I did not know where the payments I was making ( every month ) where going to and that's why the phone calls on my part took place, they just kept saying to keep making the trial payments and they'll informed me when it was approved!! so it was very shocking to me to find out the way I found out since I was making calls every month and since it was back from XX/XX/XXXX to XX/XX/XXXX, then this company told me the same day this happened ... " by the way you are behind a month '' even tough I was making ( trial payments every month ) when I asked the representative she told me that she did not know how this could of happened but she said I am going to help you she replied then she said to make payments with a little extra money for 3 months and the " late payment '' was not going to take effect on my credit since it was a mistake on their part. Well to my surprise they have been reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX being 30 days late, not " XX/XX/XXXX '' wonder why? and also reporting XX/XX/XXXX and being late 180 days, this has created a serious issue with my credit report and score and I want this company to be fair and removed what they did wrong in the first place I've send them dispute letters and there is no response, I asked for copies of signed documents for the modification and a copy of the approval letter of the modification with dates so I know when it was sent to my residence which has been the same for the last 5 years and it is the same house I'm paying the mortgage with this company and they failed to do so, when I call they send me to a loss mitigation dept which never answers and they have not been able to provide me with the modification documents I need to make a case against this company with my lawyer probably because they don't even have them I want to remove all late payments from my credit history with all credit bureaus ( Equifax, XXXX and XXXX ) companies like this should not be able to get away with destroying peoples financial lifes because of their inability to do their job correctly and fairly ... I want my financial life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: BMW Financial Services NA, LLC
State: LA

Complaint narrative:
Hello. I leased new XXXX XXXX from local dealer XXXX XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call BMW and tried to dispute this info with credit bureau and BMW still refusing to take it off. I also got a letter from local BMW dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, BMW credit department refused to delete late payment of off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through this venue directed at Experian for inaccurate and fraudulent information that continues to report on my credit report with Experian. 

Additionally, I called and spoke with Experian 's Fraud department to confirm that hey had indeed received my attachments of my driver 's license 's and first two pages of my previous and present lease agreement 's to further validate my disputes. They instructed me that not only had they not received any of these documents, but they would not be able to see said document 's. I find this disheartening to say the least. I have multiple things reporting on my credit that are either inaccurate or fraudulent ( not mine ). 

Once I received the results back from my previous disputes on XX/XX/XXXX ( Report # XXXX ) all of the results had been completed and updated which I find discouraging. First off, how is that possible that every one of my disputes with these companies come back on the same day with the exception of my inquiries and one account with XXXX? While I understand that inquiries for examples are totally separate than accounts etc., I do know that these companies that re reporting on me that are not mine have absolutely no way to prove that they are mine. I have submitted documents over and over and over again that clearly support my stance, yet they continue to report on my credit. 

Bottom line, the accounts that I am disputing yet again are certainly not mine and I would be extremely grateful if whomever is responsible for leading this investigation to please do their due diligence accordingly. For example the ( 2 ) XXXX XXXX collections both of which were not mine as I wasn't even living in those states at the time these accounts/collections were even established. 

Thank you kindly,

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 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I Received a letter from the collection agency, saying I owed them {$570.00} for an alleged account with XXXX on XX/XX/XXXX. On XX/XX/XXXX I mailed a certified letter, which was received and signed for on XX/XX/XXXX requesting information to validate the alleged debt. The things I asked for are things that I am by law able to request, and the collection agency must provide. I have yet to receive any of the documents I equested that are required by law to validate the account. It is well over 30 days, almost 60 days past the required time period that the collection agency must respond per FDCPA, and FCRA laws. I have contacted the agency multiple times, and get no cooperation from them. I have every phone call documented with names, dates, and times. XX/XX/XXXX told by rep from the agency that they cant send any other documents besides the bill from XXXX. Stated they did receive my certified letter, but they have been waiting on their client XXXX to respond with the appropriate documents. Transferred me to a supervisor ( name documented ) so I left a message for her to call me. 
XX/XX/XXXX Supervisor *XXXX XXXX XXXX XXXX XXXX called me back, was very rude, and told me that they sent a copy of my last bill to me, and that is proper validation ( which I havent received ) I called XXXX ( name, date, time documented ) and they are not able to pull up any account information with the account number that is listed on the collection letter sent to me by Southwest Credit . XXXX isnt able to verify any of the information required by law. They cant verify anything, I was told that they arent able to pull up any statements, or any balance that may be owed. Rep from XXXX told me the account with collection agency will be deleted, a ticket was submitted for deletion. After this, I have checked daily with the collection agency to see if the account ha been deleted yet, and they tell me it hasnt. Called XXXX back XX/XX/XXXX spoke with Rep ( name documented ) stated the collection agency has all the info needed to delete the account. This is clearly a zombie debt, that can not be validated by the collection agency OR XXXX, yet the collection agency wont delete this account from my credit. This is a clear violation of Fair Debt Collections Practices Act, as well as the Fair Credit Reporting Act. In the state of Texas, a civil suit can be filed, the collection agency fined, and I can seek damages up to {$1000.00}. I am hoping not to have to retain an Attorney, but if the account is not deleted from my credit, I may have to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: DC

Complaint narrative:
My husband and I went to XXXX to look at some small dogs XX/XX/XXXX. While we were there we fell in love with a 3 months old XXXX so we asked the clerk how much are they asking for the puppy. She stated {$1400.00} which I thought that price was a little deep but my husband was so adamant about taking her home so we asked about financing, She said all she needs is some information from me and to see if I can get approved. So she was using a small tablet to do the application for me and since I had the strongest credit score, I provide her with my credential. She informed me that I was approved by XXXX XXXX. The FINANCE amount is {$1300.00}. My husband and I agreed to pay the {$1300.00} early. In XX/XX/XXXX I check my credit report and saw that Monterey Financial Services was reporting a balance for {$3500.00}. I immediately called Monterey Financial and asked the female representative why are they reporting the balance {$3500.00} and what this for, she indicated that they are now servicing the loan from XXXX XXXX. I thought I was approved for {$1300.00}. The representative stated that I am LEASING THE DOG and that the {$3500.00} is the amount for 24 months lease. I was extremely bothered by this. I travel a lot on my job so I didn't have time to handle this accordingly. On XX/XX/XXXX, I called Monterey to asked why the payoff balance is not available online and why they don't provide you with a bill by mail. The representative informed me that you have to call them and they will provide a verbal quote. WHAT? I asked the representative why do we have to call you when it is difficult at times trying to reach a representative. On XX/XX/XXXX, I finally reached someone over the phone and I spoke with ( XXXX ). I asked XXXX for a payoff and she quoted me {$970.00} for an early payoff. I informed XXXX that her company is 1. predatory practices 2. the company is preying on consumers and 3. I am disputing this payoff after we have already PAID {$1800.00} and we will not send this another dime. I asked XXXX to email me the quote to have this ridiculous payoff in black and white. XXXX XXXX ( XXXX ) sent the email and I responded to the email to inform XXXX XXXX I dispute the quote in writing and to ask her how she came to the payoff quote after the online payment history does not provide itemizes details. I requested for XXXX XXXX XXXX ( XXXX ) to provide me with the information before the close of business if XX/XX/XXXX, or I considered the payoff invalid. XXXX XXXX sent me an email XX/XX/XXXX, with some figures she typed in the body of the email. I will attach the email conversation to my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am trying to understand why it is OK for Equifax to compromise my credit accounts to the dark web and tell me that I now have to lock and unlock my credit report when I want to access it. I have spent over 2 hrs trying to get some explanation as to why their mistake is costing me my valuable time, when I did not cause this. Consider the COUNTLESS hours  and heartache they have caused Millions of consumers. This is unacceptable by any standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Short version is there is a hard pull being erroneously reported to XXXX by the bank ( HSBC ). 

XX/XX/XXXX - I downgrade my creditcard with a phone agent named XXXX, she confirms that there will be no hard pull for this downgrade XX/XX/XXXX - hard pull appears on my credit report, HSBC agent tries to convince me that it is a soft check, I provide evidence showing it's indeed hard and not soft XX/XX/XXXX - HSBC agent XXXX admits erroneous hard pull, provides nominal handout XX/XX/XXXX - HSBC agent XXXX requests the inquiry on XX/XX/XXXX be removed, and that I should wait 60 days for this change to reflect with the credit bureaus. 

Hard pull still being erroneously reported, HSBC tells me that " it only affects my score up to 90 days so who cares. ''

Company response to consumer: Closed with non-monetary relief