vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and my SSN in XXXX. I moved from XXXX XXXX, TX to XXXX, TX in XX/XX/XXXX. I got apartment located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX and I signed up electric with XXXX. In XX/XX/XXXX, I bought home located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX and XX/XX/XXXX I bought a home located at XXXX XXXX XXXX XXXX , XXXX, TX XXXX. Because apartment is for 6 month term, in XX/XX/XXXX, I called XXXX to advise them that we had to cancel electric at apartment since lease was over and we already moved to home. I paid all bills and I advised XXXX customer representative that my forwarding address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never received bills from XXXX and later on when check my credit score and apply for mortgage, it showed that I had collection account with XXXX. I mailed to XXXX and XXXX to let them know that I never received any bills, collections from them and correct address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. If there is left over bill, they need to send to correct address so I can review and pay. If they sent to wrong address or my old apartment 's address, of course it will not be delivered to me. XXXX said they already removed it from my credit report and now XXXX continued to transfer it to Mercantile Adjustment Bureau. I disputed all fees and collections with Mercantile Adjustment Bureau since they did not send mail to my correct address and I was never notified bills nor collections. Please remove all fees, collections and history on my credit report. If there's final bill, please send to my address at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX as I already advised XXXX XXXX in XX/XX/XXXX, in mail with XXXX, XXXX and now Mercantile Adjustment Bureau multiple times later on. I will more than happy to send payment to XXXX if it's true left over bill with my old apartment that I was never notified about it before. 

Thank you so much for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
This is for National Credits Systems and XXXX XXXX XXXX. I moved out of these apartments in XX/XX/XXXX do to unsafe, unhealthy and a unlivable conditions. ( I have documentation of this and witnesses to confirm ) I reported them to the health department as well as wrote a complaint to the company executive leadership. I was sent a document showing that they 'wrote off ' all the costs and the balance was XXXX. In addition, the items that that were written off were charges that were due to the apartment being in poor condition not from me. I heard nothing else until six months later National Credit Systems called me demanding money and refused send my a statement showing what I owed. They actually wanted me to pay over the phone without any documentation. Finally in XXXX of XXXX I get an invoice with the ridiculous charges. 
I was told when I reported the apartments to the health department that they might retaliate and this was their way of doing that. The apartment manager actually threatened me with eviction if I did not stop complaining about the apartment and the conditions. The apartments have since been sold and the manager was fired. At no time was I sent an invoice saying that I owe anything ; they went straight to reporting to collections. In addition, after the mold infestation and horrible living conditions I owe nothing. The apartments were in breach of their lease agreement by not providing a safe and livable apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was checking my credit card account online when I noticed that there was Interest charges on my XXXX statement. I usually paid my credit card on staggered basis but make sure that I fully paid the amount due before the due date. In this particular case the XXXX statement which is due on XX/XX/XXXX they said that I was short of XXXX so they charged Interest of XXXX. Again the due date of all the statements are always the XXXX of the following month and payments after the XXXX should be applied to the next statement. In my case I have a payment of XXXX on XX/XX/XXXX & still they applied it to XXXX statement resulting an over payment of XXXX ( this amount includes payments on other dates XXXX. I spoke to certain XXXX & certain Supervisor of XXXX on XX/XX/2019 explaining that underpayment of XXXX is a result of applying the payment on the wrong period & requested to waive the interest charge but they told me that the interest charge is valid & they can not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Quicken Loans Violates Escrow Agreement. 

The escrow agreement includes specific provisions for payments into escrow and disbursements from escrow. Insurance was fully paid for calendar year XX/XX/XXXXduring closing in XX/XX/XXXX. A disbursement of {$1000.00} to the insurance company is scheduled to occur in XX/XX/XXXX for calendar year XX/XX/XXXXcoverage. The cost of the homeowners insurance and the cost of taxes has not changed for the property since closing in XX/XX/XXXX. In XX/XX/XXXX Quicken Loans violated the signed escrow agreement by disbursing {$720.00} to XXXX XXXX without our knowledge or approval. Quicken Loans now states that an escrow analysis indicates a projected shortage and therefore payments into escrow must increase. Insurance and taxes are the only two elements in escrow. Since these elements have not changed, there is no basis for changing the payments into escrow. We have committed to making a lump sum payment in XX/XX/XXXX if an escrow analysis at that time indicates a shortage in the escrow account. The Quicken Loans escrow management personnel refuses to work with us to resolve issues relating to their violation of the escrow agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Bill for amex card was sent to wrong address. I was never notified by phone or email despite having this card since XX/XX/1969. Card was charged on an automatic annual charge and bill was sent to incorrect address, the charge was {$25.00}. This card was used for a transaction and declined thus making me first aware of a problem with this card. I then called Amex and learned that they cancelled this account, reported me to XX/XX/XXXX and my credit score was negatively impacted. In addition they lowered my credit limit on an additional Amex that I have also had since XX/XX/1969 and cancelled over XXXX points. I have always paid on time and never was made aware that I had a XXXX balance on the canceled card that was sent to the wrong address. When I asked them to increase my credit limit back to what it was on my additional account prior to this incident I was told no. I was also told no to reinstating my canceled points. The reason they gave me was that my credit card score was lowered due to nonpayment of my credit card. This is outrageous, they are blaming me for a problem that they created and now refuse to fix this issue even though I have had outstanding credit history with them since XX/XX/1969. I want my current card 's credit limit increased back to what it originally was and my credit score corrected immediately and my points reinstated. I am appalled as to how I was treated by Amex.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Morgan & Associates, P.C.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted the one eight hundred number on bank account statement, at first I was told there no account in there bank then I was told that my account when, t dormant to the state of California, so I said to person on other end of phone that you can tell me my account went dormant to the state, so I tell him that he has to be looking at my account to be able to tell me it went dormant to the state.i giving a phone number to call on XXXX XXXX bank BBVA Compass bank talked to a lady Manger and she would look in to it and call me the next day, I never received a call back, I called California State Controller unclaimed property Division, Thay took my information to look through records for dormant account of BBVA Compass Bank there's nothing there, then I was asked about this account number and bank as I explained what the bank said I was told the ways it works, that if my account went dormant to the state that Thay would have sent a letter with the funds with my name on it legal.So I tried contacting Bank and told them that there is no money there and then, So finely thay came up with my account and ask my Mather 's maiden name as he opened the information and told me the account is XXXX and it when, t dormant in side of the bank and I need to go into a BBVA compass branch closes to me and to take my ID and my account would be reactivated with my money in it from XXXX to XXXX as of Friday XX/XX/XXXX at XXXX XXXX I walked in to BBVA compass branch on XXXX XXXX in XXXX CA hand them my I D at the teller 's window and thay didn't even know what I was talking about, so I gave her my account number and I was told that there is no account here, so I spoke to a manager and gave him the information I was given over the phone of BBVA compass customer services, with the name of the person I spoke with and his ext, number as he called an for one hour I sit there and then he ask to make a copy of my account statement and Driver license and SSN number, i have not received a call back, in XXXX XXXX I had close to {$10000.00} thousand in that account.and all entries from should be added to also I was in XXXX XXXX until XXXX.I explained to the bank of my were about, s

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: CA

Complaint narrative:
I filed for Bankruptcy in XX/XX/XXXX. XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) was included in the bankruptcy. I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's members. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ), XXXX ( $ XXXX/mo ) and TranUnion ( $ XXXX/mo ) in order to investigate and dispute the matter. I found that XXXX XXXX XXXX also known as XXXX XXXX ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, XXXX XXXX XXXX also known as XXXX XXXX XXXX ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. However, to date ( XX/XX/XXXX ), my credit score still has not recovered. 

XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. XXXX at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. TransUnion at the time XXXX reported in XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that XXXX reported to XXXX was XX/XX/XXXX. XXXX is still reporting and ruining my life. The current XXXX report does not reveal the last date reported. TransUnion 's website is having technical difficulties so I was unable to retrieve a current report. My credit is damaged. 

I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. I dont know where to begin to attempt to figure out how high my credit score would be if XXXX had not committed this error. All I know is the XXXX has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

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 2019-06-30 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Purchased tickets to go on vacation with my family using my Sears credit card which costed a total of {$2400.00}, then my wife got sick and was exempt from travel until she gets better ( have doctor 's note for travel exemption ) so we contacted the airlines but was unable to get full refund due to medical reasons, then we reached out to the credit card company where we explained to them that we never received a service in exchange of the money paid but they denied our request for a full refund.

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 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: GA

Complaint narrative:
In support of CFPB Complaint ID XXXX. Kindly review attachments illustrate willful violation and or reckless disregard for Mr. XXXX SSCRA protected member protected rights relevant to an ongoing investigation. Furthermore, Experian since 2004 reported defamatory, libelous statements defaming my good name and reputation to date. Acting furtherance in adverse action or retaliatory and wanton conduct casting aspersions about SSCRA protected member are a gross fabrication to lenders, bankers, and potential employers. Experian violated 15 U.S.C. 1681n ( a ) " any person who willfully fails to comply with any requirements under this statue is liable to that consumer ( complainant ). 
See Harris vs Mexican Speciality Foods, Inc ; 564 F.3d1301.1306 ( 11th Cir.2009 )

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 2019-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/19 I got online to pay my Kohl charge card and saw that I was past due I called Kohls spoke to a supervisor initials XXXX who informed me I had cancelled two payments. I told her I never cancelled any payments she stated I had to reach out to my bank and get that rectified.and If I paid {$110.00} I would be caught up. I paid the {$110.00} and then on XX/XX/XXXX I see my account is past due {$150.00} I said what is going on. I called Kohls again spoke to XXXX ID # XXXX who told me the call didn't have to be monitored because account was due for XXXX and XXXX. to send the letter to XXXX XXXX  XXXX XXXX Wisconsin but they would not be able to take 30 days off because it was valid. I was given false information I have never been 30 days late and now this has affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX I spoke to a lady from navient and she mailed me documents for income driven repayment plan so I got approved and I called navient the operator and it is telling me I do not have a payment due at this time I needed this due to financial hardships. I look at my credit report and it says needs attention why??? I do not owe a payment to navient and if I did I wouldnt let it go into default or become a late payment I needed help and I got approved for a income driven repayment but now its affecting my score and its incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There's account discrepancies on my credit file, the account XXXX XXXX shows late payments from, XXXX, XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX, all late payments inwhich I never been late, I'm demanding that these discrepancies be fixed within your system, or please provide me actual physical documentation otherwise, and electronic Verification can not be accepted.

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 2019-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase opened a Visa account # XXXX in my name without my permission or approval.

Company response to consumer: Closed with explanation