vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I contacted american express after my yearly fees were due. Not needing the card any more i contacted them stating i wanted to cancel and that when they waved the yearly dues and sent a updated bill i would pay in full. I eventually got a call from a debt collector stating that i owed the amount ( including fees that i asked be removed ) and was now in collections. i called amex and they expressed that they were unable to help since it was in the collectors hands now and the collectors stated that they could not confirm the issues with amex. I paid the amount including fees in full just to be done with them but now my credit score has taken a huge hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I received a promotional ad claiming I would receive {$250.00} if opened a checking account and followed the terms which I have met all the requirements of. I have since been into a branch around midXX/XX/XXXX where they confirmed I qualified and that the funds would be deposited to my account. After waiting 2 weeks and still not receiving my promotional {$250.00}, I called customer service on XX/XX/XXXXat XXXX and spoke with a manager named XXXX who adviced me the funds would be deposited to my account by XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span>. Again, there has yet to be a deposit made to my account. I have a letter from my account opening stating I am entitled to a bonus offer and the reward offer code is XXXX. This needs to be resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel. The lender has also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: TX

Complaint narrative:
I have never done business with Plaza Services. I do not have a signed contract not any contract with Plaza Services. I have a right to demand a copy of such contract between Plaza Services and myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unique Management Services, Inc
State: TX

Complaint narrative:
I have never done business with XXXX XXXX XXXX XXXX. I do not have a signed contract not any contract with XXXX XXXX XXXX XXXX, I have the right to demand a copy of any contract between XXXX XXXX XXXX and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Questions to the pretender lenders, their agents, co parties principle ( s ) that have never been answered : 1. Under what authority these strangers to me and to the alleged financial transaction that never took place filed for a notice of default when there is no loan to me, see attached declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX that there was no loan transaction in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX from any of the parties who have falsified papers to make a fraudulent claim to my private property? 2. Under what authority these strangers to me and to the alleged financial transaction that never took place have been attempting to extort monies and property from me when i : have my non judicial judgment at TILA 1635 et. seq. indorsed by enacted federal and state law and by all three branches of the government, to wit : the president, the congress and the SCOTUS unanimous decision in XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ), cert. granted, XXXX XXXX XXXX ( U.S. XX/XX/XXXX ) ( Docket No. XXXX, SCOTUS Unanimous decision XX/XX/XXXX, Author : XXXX XXXX ), at 12 CFR 226.15 ( d ), ( 1 ), ( 2 ) and ( 3 ), Reg. Z by Federal Reserve. 3. How did these entities that claim [ falsely ] that the alleged non  existing loan is in default, obtained the right to collect on a non existing debt, and when there is no default and all payments on a non existing alleged loan has been received? [ see declaration of ex police officer and currently private investigator that XXXX XXXX XXXX, XXXX surrendered to California secretary of state in XX/XX/XXXX, therefore it did not exist to give me a loan in XX/XX/XXXX and did not give me a loan in XX/XX/XXXX. 4. what evidence do these people have who are making a grand theft of my home that A ) there was a loan made to me from any of the pretender lenders ( when there was none, see attachment ), B ) that there is a default ( when there is none, see attached that all payments on a non existing loan has been received on continuous basis ) ; and C ) how did these entities obtain the right to foreclose on my sovereign property, where are the unaltered original note? the chain of assignments? proof of payment such as Check 21,  ACH confirmation or cancelled check? when there is none, see declaration of custodian of records at XXXX XXXX XXXX XXXX XXXX. 5. Under what authority the pretender lenders are trying to foreclose on my property when the non  existing alleged loan has been liquidated on XX/XX/XXXX to unknown parties? see attached obtained from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: U.S. BANCORP
State: AL

Complaint narrative:
U.S. Bank Home Mortgage incorrectly reported the status of a Foreclosure filed against me. I have written numerous letters asking them to correct the status. The foreclosure was " REDEEMED '' on the day of the foreclosure auction. Therefore the status of the foreclosure on credit reports from Credit Reporting Agencies should be " Redeemed, XXXX XXXX 2015 ''. Under the Case Law my attorney has reviewed, since the bid at foreclosure of XXXX was for the entire amount U.S. Bank Home Mortgage claimed to be owed based on the terms of the mortgage and U.S. Bank was made whole we do not believe that U.S. Bank legally had the right to even report the foreclosure, since they suffered no financial loss, which is the purpose of negative information on consumer credit reports, to show when an individual financially damaged a reporting entity, not to punish a consumer who has through what ever means legally available to the consumer to make the financial institute financially whole.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went into PNC today to cash a check that was drawn on their bank. They did not make all of it available, when I specifically told them to cash it and deposit it into my account!   This is t he 3rd complaint  against them in 3 days!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   I need that money in my account NOW. It was a check for {$2500.00}, I received {$2200.00} back in cash, and the remaining {$300.00} should have been available now, and it isnt. I tried to call their corporate office, and no one is available ( as usual!! ) to speak to me about this, they absolutely refuse to make that {$300.00} available now!! They should be fined, big time.   And their website is not working to access my account either!!  Ther  is no note on their website that it is out of order. FINE PNC!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had 3 Barclaycards, one XXXX XXXX, XXXX XXXX, and rewards masetercard. This company has been an absolute nightmare to deal with. They refused for MONTHS to shut off auto pay and repeatedly tried auto drafting payments out of an account that had been closed. So not only was I being charged ridiculous fees from my bank but then these people started to hit me. I had one account set up on autopay ( XXXX ) now I go online and atopay has been shut off and now they are reporting my account late. I have a serious medical issue and these people have RUINED my credit by first closing my accounts due to the fact that they refused to update the autopay for a different account. Now they DOUBLED my minimum payments so not only are you causing me ridiculous amounts of fees they are making the payments unaffordable at a time when I am sick with possible 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 2017-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This account has been closed and charged off with the original bank and I do not have a signed contract with Midland Funding or XXXX XXXX XXXX nor have I done business with Midland Funding or XXXX XXXX Systems. I have a right to demand a signed copy of such contract between Midland Funding/ XXXX and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I received this email from MOHELA yesterday : ITS THAT TIME OF THE YEAR Your 12-month period for reduced payments under an income-driven repayment plan is due to expire. To continue taking advantage of your income-driven repayment plan, you will need to renew your plans enrollment. Potential impacts if you do not renew on time : You may be placed on another repayment plan with a higher payment amount of {$770.00}. You may be required to provide additional documentation. <P/>I was told to login to https : //fsaid.ed.gov/ and fill out the paperwork. Why is MOHELA telling me to go to another website when they handled the income-driven repayment plan last year, and why do I have to do this every year? I created an account like I was told, and I had to wait till social security verified me. I get an email today that I have been verified, but when I tried to login, I was told account was already created. Duh, I created it yesterday. How do I get this handled before XX/XX/2017? How do I login into the right website? I also think I am being overcharged interest. I owe $ 77,000.00plus, but I do n't recall ever borrowing that much for college since I was on a football scholarship. With these figures, I will spend the rest of my life paying off student loans. <P/>All in all, I think the whole process should be handled by one company and not bounce around. I should be able to deal with MOHELA since they are the ones I am making payments to now. I just need some help before they really rip me off. There is no way I can pay {$770.00} a month. I have a fianc and XXXX kids to take care of. <P/>Thank you very much

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax multiple times and made them aware that I am not able to get my credit report and credit score and this is important to me because I have been a victim of identity theft and I have been suffering the consequences of it for many years. I have contacted Equifax a total of 43 times over the past year and trying to sign up for their credit monitoring service so I could see my credit report on a daily basis, and so that I could monitor the fraudulent activity on my credit file, but I have not been assisted. What happens is that you are transferred about 15 times during you call until you finally ask to speak to a supervisor, and then you are told that Equifax is blocking you from monitoring your credit score and credit report because your file is being handled in the Consumer Affairs Department. When you ask them why they are blocking you, they ca n't give you a valid reason. When you keep asking them they end up hanging up on you. I have called multiple times and asked why ca n't I monitor my own credit report and credit score, and I have not only never been helped but am always hung up on. <P/>It is tragic that a credit reporting agency would block a victim of identity theft from monitoring their credit reports and scores for fraud. It is like Equifax is a part of the fraud and do n't want you to see what is going on with our credit file. They have refused to provide me access to my report and score for over a year without a good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I faxed a complete modification packet sinceXX/XX/XXXX to Rushmore to be review for a modification. However ; they were refusing to review my packet due to having an active foreclosure for XX/XX/XXXX.I filed an emergency chapter XXXX Bankruptcy the same day of my sale date, and due to the automatic stay they cancelled my sale. Since my intentions are to keep my home, I contacted Rushmore on XX/XX/XXXX and spoke with XXXX XXXX id # XXXX he confirm my sale date was canceled, and he advised me trough a recorded called that he was sending an email to my point of contact so they can start my modification review. <P/>That did not happened when I called Rushmore again onXX/XX/XXXX I spoke with Agent XXXX she told me I have exhausted the times I can be reviewed. I told her that was incorrect because this was never told to me when I faxed them my packet. I told her the reason why my loan was not being review was due to having an active foreclosure. <P/>Rushmore is refusing to work with me, even though I have an increase of income. The last review dated XX/XX/XXXX Rushmore only used {$1400.00} as my source of income. The application I submitted onXX/XX/XXXX I  am presenting rental income since I was able to rent a room in my home for the amount of {$300.00}. My income has increased and I am confident with this new source of income I will be able to be provided an affordable trial payment. my intentions are to keep my home with an affordable mortgage payment. I am tired of trying to work with Rushmore when they dont even want to review my new application. I am an elderly person and I honestly believe Rushmore is using fraudulent and deceptive practices in order to prolong my case making me fall further behind. I am asking for an opportunity to be reviewed for a modification, a fair review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my XXXX credit report. I wrote to XXXX  one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet XXXX continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I applied for and was granted the Barclay XXXX XXXX XXXX in XXXX of 2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under SCRA benefits for XXXX XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} if I continue to retain the 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 explanation
Consumer complaint received 2017-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number.
My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My complaint does n't really fit your categories. My credit score is high but in my opinion it should be the very top number. My concern is how the credit agencies decide on my credit score. I have never been in too much debt, have always paid any and all bills on time and I am rarely in debt for anything. Because I do not have a credit balance on which I must make payments ( which I certainly have in the past ), points are deducted. Because I have applied to various things ( in the most recent years ) for preapproval for a home loan and my credit is checked, points are deducted. I do not understand why I am penalized on my score because 1 ) I have no debt and 2 ) someone or some entity has checked my credit score. Why am I not at the highest possible rating? I 'm penalized if I have debt and penalized if I do n't have debt. Something is wrong with this system.

Company response to consumer: Closed with explanation