vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: CO

Complaint narrative:
I made purchases on my XXXX XXXX Credit card in XXXX of 2018. I recieved my bill in the mail and went to pay it online but I was unable to log in and it kept telling me that the action can not be performed. I called them and they were closed since I work the same hours that they are open. Because of all of that I was two days late on my payment. I made my payment over the phone. I then received my bill for XXXX and XXXX in late XXXX and it said that I had two charges. I called and they said they were the two late payments for not paying my bill on time. I called and spoke to a representative but said he could only remove one since I was two days late due to not being able to pay it online. I was not aware that I had a late charge for XXXX And they applied another late charge in XXXX for non-payment even though I had paid my bill for things that I had purchased in full. I also have had this credit card for years and have always paid my bills on time. You would think that since I was a consistent consumer, tried to pay it online, and paid what I actually owed in full there could be a better solution that just charging me two late payments. I also spoke with two people at XXXX to see what they could do and had to wait on the phone for an hour to speak to the manager. When I requested the guy above him he said it could take up to 4 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
I had an account with XXXX XXXX. After the account was cancelled, the company did not take their garbage cans. I called one time and spoke to a rep that informed me that I had a balance of ~ {$10.00}. I paid the amount and never heard from XXXX XXXX again. Months later I started receiving letters from collection agencies. When I received the first letter that stated I owed {$110.00}, I called XXXX XXXX. They said I owed for keeping their cans. I scheduled their can pick up for XX/XX/XXXX. I have a letter sent to the XXXX from XXXX XXXX stating that they removed the {$110.00} from my account on XX/XX/XXXX and notified the collection agency. Problem is that in XX/XX/XXXX, I am still receiving regular letters from AmerAssist and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have sent notification to both that I have zero owed to XXXX XXXX, but the letters keep coming. It bothers me that XXXX XXXX did not contact me to retrieve their cans before sending this to collections and starting this never ending letter sending campaign. I'm sensing that AmerAssist is a sister company to XXXX XXXX and that this feels fraudulent in practice instead of negligent because I have communicated in writing that I don't owe XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: MD

Complaint narrative:
I checked my credit report this year to see there was an open claim from a debt collector XXXX XXXX on XX/XX/2015 for {$600.00}. I do not recall being at XXXX XXXX for treatment, nor did I receive notice of this outstanding debt.

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, MD 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation
State: SC

Complaint narrative:
RECEIVABLES MANAGEMENT C provided an itemized statement, but did not provide ownership of this debt. By law they don't own the debt so how can they collect on this? per FDCPA section 603, the creditor  must provide ownership of this debt. I have and never had at any time any contract with RECEIVABLES MANAGEMENT C. They illegally have my account information and social security number, which is fraud because I have and never had any legally binding contract or agreement with them. They DO NOT have proof of ownership and failed to provide proof. 

Please remove this entry from my credit file or I will escalate this fraud account to the FTC.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2018 I received a phone call from Synchrony Bank, a major issuer of store credit cards to verify a new account being opened with XXXX XXXX. In XX/XX/2018, my identity was stolen and two bank accounts were opened in my name and credit cards were applied for, but luckily stopped during fraud checks. I promptly submitted short- and long-term credit alerts at all three bureaus. However, despite having these alerts, Synchrony Bank called me AFTER they opened the XXXX XXXX credit card in my name and allowed the individual with my information to make a purchase of around {$5000.00}. After speaking with a credit protection service that is provided to me free of charge through my employer, they confirmed that Synchrony Bank should have definitely NOT issued this account and should have verified with me through their fraud department first. I learned from this service that this practice is commonplace with Synchrony Bank, particular with some stores like XXXX XXXX that contract with the Synchrony to be the issuer of their store credit cards. 

After speaking with the Synchrony Bank fraud department, they closed the credit account and tagged the account as fraud. They did a short investigation and confirmed this account was opened fraudulently and noted that I was not responsible for the account or charges. Synchrony also stated they would submit letters to each credit bureau to remove the account and inquiries from my credit report. Shortly thereafter, I received two letters dated XX/XX/2018 confirming I was not liable, the account was closed and the credit bureaus were informed of the fraud. 

While this issue is not solved, I remain frustrated that XXXX XXXX and Sychrony Bank allowed this to happen in the first place. Protocol would have been to see the credit alert and not open the account without contacting me and verifying my identity and that I made the request. This issue has led to me spending a considerable amount of time speaking with Synchrony Bank and my credit protection service, as well as reviewing my credit reports, verifying my credit alerts and my overall financial picture. My credit score was affected by a number of inquiries Synchrony Bank made on my credit, and again, they flat out ignored the alerts.

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 repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I DID NOT RECEIVE A STATEMENT NOT KNOWING I HAVE NOT PAID I NEVER MISS PAYMENTS THEY CALLED SO I PAD MY BILL OVER THE PHONE THEY WAVED ALL LATE FEES BECAUSE I HAD NEVER MISSED A PAYMENT WITH KOHL 'S AND WHAT THEY DID REPORT THIS TO EXPERIAN CREDIT BUREAU WITH KOHLS DOING THESE LOWED MY CREDIT SORE FROM THE XXXX TO XXXX THIS IS NOT FARE AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
This collection agency is going above and beyond what is necessary to attempt to collect a debt I've already notified them that the card was opened fraudulently without any knowledge from myself XXXX XXXX XXXX was the original creditor they are aware of this this collection agency is well aware of this as well at one point XXXX XXXX XXXX had four different mailing addresses for me within a year 's time I mean if that doesn't throw up some red flags I don't know what does but this collection agency is still harassing me when it's more than obvious that the account does not belong to me never did the identity theft happened 6 + years ago at this point at a certain point enough is enough and now they've gone as far as asking the courts to subpoena more of my personal information at a certain point they need to accept that this was a case of identity theft like every other bank that was involved years ago did this is the only bank that I still had an issue with and this is the only question company that still is harassing me there's nothing more to give at this point you're asking for information I don't even have your asking for recent loan applications I don't have any recent loan applications you're asking for copies of my paycheck I'm not working and haven't been for a while now you also want bank statements what do you hope to accomplish I'm not working do you really think there's any money in my account? My domestic partner works but we are not officially married so no you can't go after him for this fraudulent account I've requested that you show me proof all you did was send me bank statements nobody 's disputing the fact that the account was opened and it was used it just wasn't used by me and nobody can explain why there's so many different phone numbers and email addresses and physical address is associated with this account when I've lived at the same place for years now but whenever I bring that up you just ignore that fact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CRA is in direct violation of FDCPA, FCRA, DODD FRANK ACT and METRO 2 COMPLIANCE ...

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 — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, Wells Fargo has been down for like 2 days now leaving customers including myself unable to access our accounts. I don't understand how the country 's 4th largest bank can have a nationwide shutdown due to one facility being down. Clearly Wells Fargo has no proper plans in place to protect their customers from a catastrophic meltdown and no contingency plans. This is outrageous and requires CFPB oversight and fines.

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 — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I previously did a complaint with Bank of America on this matter and only one of two issues were resolved. They did advise that their XXXX loan on this land was transferred to XXXX BUT they did NOT resolve the issue on the mobile home which sits on this property. 

In XXXX XXXX and XXXX XXXX received a loan from Bank of America which put a lien against the land located at XXXX XXXX XXXX, XXXX, CA AND the mobile home located on said land known as " XXXX XXXX, Model Starcrest, Serial Nos. XXXX ''. 

In XXXX the XXXXXXXX XXXX refinanced this property again with Bank of America, and said loan is still being paid at this time and we are NOT asking for a release for this loan. What we are asking for ONLY is for Bank of America to remove their lien from the mobile home as the XXXX loan was paid in full in XXXX. Attached you will find the XXXX Title Search showing the lien on the mobile home is specifically for the XXXX loan ONLY as the loan in XXXX did not put a lien on the mobile home. I have also attached a copy of the 1st page of the XXXX Deed of Trust and the Full Reconveyance that was recorded in XXXX which removed the XXXX lien off the land but not off the mobile home. 

I have been advised over and over that THIS loan ( XXXX ) was transferred to XXXX in XXXX but you can not transfer a paid/closed/release in full loan since it no longer exists. If BofA was able to record a Full Reconveyance in XXXX for land they are also obligated by law to release the lien from the mobile home that was secured by the same XXXX loan that has been PAID IN FULL. 

Please make sure that someone from BofA has a representative that is familiar with how mobile home liens work deal with this complaint because the regular loan parties just are not understanding this matter.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an unauthorized inquiry from AMEX twice from two datesXX/XX/XXXX/XX/XX/XXXX. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company from a letter. This is my formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion credit report shows additional person with same name living at a different address in a different state. I requested that they correct this report. First request made on XX/XX/XXXX with confirmation email. Every time I go back to the website to check the status of this request it keeps getting pushed out. Next currently reported status update is XX/XX/XXXX. They aren't doing anything with this, they just keep rolling it over. they need to remove this other person who is listed on my credit report.

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 — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well. 
I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I signed up the promotion was 40,000 pts if you spend {$1000.00} in the first 3 months. 

Chase response : " I regret to inform you that your account is not eligible for the new offer you requested. The original offer you applied for will remain on your account. You will receive : - Earn 10,000 bonus points after you spend {$500.00} in purchases in the first 3 months your account is open. 
- Get a {$200.00} statement credit after your first purchase. ''

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: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have a credit card that is owned by my ex-husband and I am secondary on the account. As part of our divorce decree, he is responsible for any debt incurred after XX/XX/2017. Since that time, I have contacted USAA Federal Savings Bank multiple times to request that my name be removed from the account, with no success or explaination as to why this is not possible.

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: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: AL

Complaint narrative:
I was prior to hard hit credit i was confirm all my information and submit required documents to SOFI and i was confirm them 3 times over the phone before submitting application and their representative were confirm you are eligible for our loan program and you documents also verified as well that can be meet our criteria. After submit my application they were saying we are not consider your documents to lend you money since i not meet the their criteria. All and all i would they they were lied to me and unnecessary force me to push submit application and they hard credit pull that effect my personal credit. I was also reach out them to resolved issue but they were suggested me to report online. That is the reason I am reporting here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: KY

Complaint narrative:
We have been in a foreclosure where the loan has been transferred between at least 10 different servicers over several years. We have documented multiple missing payments that we proved were paid and multiple undefined charges just marked as " fee ''. We have agreed to a pre-approved mortgage trial/modification plan but the servicer still foreclosed during an agreed upon time that they would not foreclose. They have been DUEL TRACKING on this loan. On XX/XX/2019 we received a letter from Caliber Home Loans that was dated XX/XX/2019 with an offer for a pre-approved trial/modification offer stating we have until XX/XX/XXXX to accept and that there would not be foreclosure while the trial/modification is being followed. We mailed the signed offer to them on XX/XX/2019 with a letter attached that said we agree to the plan but wanted to know what the amount of principle balance would be after the 5 year modification plan ended. XXXX, XXXX and XXXX scheduled a hearing on XX/XX/2019 asking the judge for summary judgement in the case even though we had an agreement not to foreclose unless the plan requirements are not met in the 3 month trial. I went to this hearing and informed the Judge and Calibers attorney that we had agreed to the offer and were waiting for the request for post modification principle balance. The Judge granted Calibers summary Judgement on XX/XX/2019 even though both the Judge and the attorney had been informed of the agreement between us and Caliber. 
On XX/XX/2019 XXXX XXXX, Calibers attorney, called and said that Caliber asked him to notify us that the amount of principle still owed after the trial/modifications 5 year period would be XXXX XXXX.I was very mad at first because the principle balance after the 5 year plan was more than the claim, but that night on XX/XX/2019 after telling my husband of the offer he said to just send the payment and move on. So within 4 business days of XXXX XXXX XXXX phone call acknowledging that Caliber had received the signed offer and answering our after modification principle balance question we sent the first payment due by the end of XX/XX/XXXX only to find out later that evening when opening our mail that they had foreclosed 2 days before XXXX XXXX even called. 
This is DUEL TRACKING which is against the law both Federal and state.

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

Complaint narrative:
We bought a house in Hawaii in XXXX 2018 with VA mortgage loan from the XXXX XXXX. After I made the first mortgage payment on XXXX XXXX 2018, my mortgage was sold to Wells Fargo. 
The problem is the first payment I made includes the principal payment of {$65000.00} which was posted by the XXXX XXXX on XXXX XX/XX/ 2018 and reversed later in XXXX saying the loan was sold to Wells Fargo and I was informed that I need to speak to the new mortgage bank, Wells Fargo by the XXXX XXXX 
Wells Fargo did some research asking me to send them the payment proof ( a cancelled check copy and the bank statement ) in XXXX 2018 and responded me back saying there's nothing they can do but posting {$65000.00} on XXXX XXXX 2018, not XXXX XX/XX/ 2018. The XXXX XXXX is saying my loan was sold to Wells Fargo at the end of XXXX and Wells Fargo is saying the loan was sold on XXXX XXXX but they received the payment on XXXX XX/XX/ 2018. 
The mortgage sales between XXXX banks should have not affected on my payment date and the principal payment {$65000.00} had to be recorded on the date I made a payment and the mortgage interest needs to be recalculated based on the actual payment date, not based on when XXXX banks made a transfer each other.

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