vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I signed up for XXXX XXXX XXXX in XX/XX/XXXX. I tried it for just under one month and decided it was too expensive. I canceled the service before they billed and received confirmation of my cancellation. They billed my XXXX  account XXXX anyway. I disputed the charge and they refunded. Now, in XX/XX/XXXX, theyve done it again for the 2nd time.

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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing today in hopes to obtain your help. At the present time I am working on going over my credit, paying down my balances, and working toward better credit worthiness. You play a very important role in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) Between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.

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 2018-03-29 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: TX

Complaint narrative:
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since XX/XX/2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan since XX/XX/2002. 
I can not cash out since XX/XX/2002 till present. 
As a Mortgage Broker I can not do " A '' loans for my clients because of the damage the servicers have done to my credit. Their damages to my credit suggest that I have bad credit, which makes me ineligible to help clients who have good credit. I have to buy Bond as an out of pocket expenses to be in compliance.

They have defamed my character with false reports.

Credit card companies will not approve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was a victim of the TransUnion credit inquiry issue. Inquiries were deleted from my credit report and then re-inserted. TransUnion did not follow the procedure specified in section 611 of the Fair Credit Reporting Act, and notified me 5 days after re-inserting the inquiries. I called customer service, although they wouldn't take care of it.

I am requesting removal of the following credit inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   ( XXXX  ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Requested On : 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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America credit card company charged {$3.00} interest to {$280.00} balance subject on XX/XX/XXXX. For this bill, I made {$310.00} of purchase which is due on XX/XX/XXXX. 
For the previous month, I paid in full the new balance total of {$900.00} ( {$570.00} ( the previous balance ) +late fee {$25.00} +interest {$12.00} + $ XXXX {$900.00} ) on XX/XX/XXXX which was before due ( XX/XX/XXXX ), and there was no balance for the interest. I don't understand where both the balance {$280.00} and the interest {$3.00} are coming from. 
On XX/XX/XXXX, I talked with XXXX in North Carolina branch of bank of America credit card. She told that BOA has a policy that they charge the interests 'double ' consecutively for the 'one ' billing cycle of the unpaid balance, even though I paid it full amount of New balance on next month which includes late fee and the interest. So, when we both read together the policy on the statement, it says : BOA will NOT CHARGE interest on purchases on the next statement if you had paid the new balance total in full by the payment due date. The BOA policy is totally opposite of what she said. When I asked the explanation it to her, she hung up the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for an American express serve card, was approved, had my job direct deposit to it and was very happy with the card. Then one day when I tried to use it I couldn't. I called the company and they told me that my card has been suspended but that they where not allowed to tell me why. They always acknowledge that I have a balance of {$84.00}. and promise that they will send it to me but never do. I've called twenty times in two years to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Avant Credit Corporation
State: NC

Complaint narrative:
I paid on XX/XX/2018 {$25.00} for my XX/XX/2018 statement. XXXX XX/XX/2018 company charged me a late fee of {$25.00} for my XXXX bill. I called and emailed them immediately asking why I was charged a late fee when I paid on time. I was told the late fee was going to be removed. So on XX/XX/2018 I went ahead and paid {$25.00} for my XXXX bill then days later my due amount was changed from XXXX to XXXX all because when my XX/XX/2018 bill came out they still hadn't adjusted the account to remove the late fee of {$25.00}. I emailed and called asking about the adjustment to my account to correct the due amount because it was only caused by them in error of placing the XXXX. I still kept emailing and calling. I then checked my account AGAIN on Sunday XX/XX/2018 and it still showed XXXX due. I was forced to pay the XXXX today XX/XX/2018 there is a new LATE FEE being applied to my account of {$35.00} now when my XX/XX/2018 bill comes out the amount is going to be large again instead of the normal {$25.00} a month that I should be paying. This company needs to correct their account system that places late fees when they shouldn't be applied. No other company charges you late fees for paying the same day your bill comes out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Midwest Recovery Systems
State: MI

Complaint narrative:
I recently checked out my credit report. I see two accounts from Midwest Recovery Systems for the same amount of {$1000.00} from two different payday companies. I have emailed Midwest and XXXX   the two payday companies and there is no information on them. Midwest has not emailed me back. I did not open these two payday loans as Midwest Recovery has stated. I need them off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a collection notice on an account that wasn't mine. Was for XXXX XXXX service starting in XX/XX/XXXXand ending in XX/XX/XXXX at an address I never lived at and the name on the account was similar to mine but not me. XXXX XXXX has confirmed that it was a case of mistaken identity and that they never provided the collection agency with my social security number. I mistakenly provided that information when I called to inquire about the collection, so now they have my social and insist that XXXX XXXX   provided it to them and I must pay the amount. XXXX XXXX XXXX fraud department told me that were attempting " Skip Tracing '' to collect since my name is similar to the one on the past due account. Problem with that, the past due account has a female 's name and I'm a male. I called the collection agency twice in 2 days, they insist it is me and that they never " Skip Trace '' and I'm responsible for the past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have had a XXXX  credit card since XX/XX/XXXX. I received a bill of {$170.00} in XX/XX/XXXX which I paid on time and said payment was processed and removed from my account. I received notification XX/XX/XXXX there was a problem with myXX/XX/XXXXaccount. This person left a message and did not identify themselves as representing XXXX XXXX. I called back and they said they did not receive my payment. I had my online banking account, XXXX XXXX, send a proof of payment. I also sent paperwork in to dispute the claim of non-payment. During that time XXXX XXXX XXXX XXXX XXXX  continued to add Finance and service fees on my account during the dispute. At no time was I told that my payment, as per usual practice, which had been written out to XXXX XXXX XXXX, was now the wrong payee. Having accrued during this time {$190.00} in fees on my account I was told if I paid the minimum {$92.00} they would expunge {$180.00} in fees. I didn't add up the fees at the time and still do not understand why the other {$14.00} was not also expunged. This was in XX/XX/XXXX, and my credit rating was being ruined so I paid the {$92.00}. They continued to add finance charges of {$2.00}. I paid the remaining {$81.00} for the total of the original bill of {$170.00}. I then received, most recently, an additional finance charge of {$2.00} on my account. This was on top of the {$14.00} fee not previously removed and the {$2.00} fee they had tacked on. Today I paid them {$18.00} to prevent them from going in and once again attempting to ruin my good credit and continue add finance charges on my account. I firmly believe that the transfer of ownership of XXXX XXXX  is being exploited to extract erroneous fees from this customer. Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

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 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
i have 2 loans with loan depot on one building which is a duplex. county tract line goes down the middle of the house. Thus 2 loans. When i receive my escrow disclosure statements they fail to divide the taxes and insurance in half for each loan. Insurance for house is XXXX a year taxes are XXXX. I have this problem every year for the past 3 years. I have called customer service many times to fix the problem and are told that it is taken care of. But it never is. I have had my insurance co. call and send documents to confirm the information. and no response from Loan Depot. also the loans are the same amounts yet one loan payment is XXXX a month the other is XXXX when i inquired why they had no answer.On XX/XX/2016 I sent the insurance division a letter explaining this problem and never received a reply. I am very upset and angry. Your help will be great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We received a late fee notice dated XX/XX/XXXX. Ditech Financial changed our payment amount but did not inform us. On XX/XX/XXXX I called to ask them to waive the late fee. I spoke with XXXX at XXXX and he was unable to remove the late fee. I also spoke with his supervisor, XXXX, and she was also not able to remove the late fee. 

I am asking for a refund of the late fee off {$56.00}. 

I'd also encourage you to investigate Ditech 's billing practices. This is the second time this has happened to us in a year and it appears Ditech may be failing to send new payment notices or sending them disguised as frequently disposed of marketing collateral in the hopes of increasing revenue through late fees. We have gotten the late fee notices both times but not the payment due notice either time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Oracle Financial Group LLC.
State: NJ

Complaint narrative:
I received a call from a person called XXXX XXXX from Oracle saying that there is a matter with XXXX County regarding some serious allegations involving my social and date of birth. They need to hear from me or my legal representation immediately and failure to do so may result in further action with or without my consent and may also involve references I placed on file and may forfeit my right to speak on my behalf. I called this person and he told me that it was a debt that I had with Indigo credit card for {$580.00} and that they were suing if I did not pay immediately. They had my old address but my correct email and I asked for them to send me a letter in the email so that I can see how I canopy and he refused to do so and spoke to me in a very nasty and threatening way and hung up on. I contacted XXXX directly they told me the account had been charged off and that they could not update my address and told me that they would contact a manager at Oracle. I spoke to another person that was also very nasty and also refused to send me anything if I wasn't paying today. Telling me that it wasn't how I wanted to pay but how they needed me to pay. What is this? I have not committed any crime. I am not refusing to pay but I do not need to be treated this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am requesting assistance and intervention to resolve what I consider illegal business practice involving a recent vehicle lease. Evaluation of documentation might help reveal any one or more of the following possible violations of consumer law. Misrepresentation, Fraud, Unethical / Deceptive Business Practice, Concealment and at least, obvious violation of Truth-in-Lending Laws.

XXXX XXXX XXXX ( World Omni ) approved numbers for an auto lease where a payment obligation exceeds total monthly income. Did XXXX  hide the source of a conjured {$4000.00} from the main lender presenting it as cash to contract to offset customer low income level in order to get loan approval?

If the financing had been disclosed openly and in a legal manner I would have refused the deal and walked away. XXXX XXXX   knew this and proceeded in their best interest to hide the true terms of the contract agreement. At an initial point in the contact process I made full disclosure of my income being limited to SSI of {$490.00} per month and inability to come up with any down payment. I reside in a XXXX   county Section-8 rent subsidized unit.

The monthly obligation was shown as {$380.00} paid to XXXX XXXX XXXX ( Acct : XXXX ) only. As required I have made the required payments of {$380.00} to XXXX XXXX XXXX. Until, after months had passed, a billing from a XXXX XXXX started showing up asking payment of {$40.00} per month which quickly increased to {$110.00} on a balance of {$4000.00} the exact figure shown as the down.

This sleight of hand salesmanship now presents a monthly obligation of {$380.00} plus {$110.00}, a total of {$500.00} payable from my {$490.00} monthly SSI benefit. All documents as referred to herein and the entire " brief '' are available for review. These would have to be sent regular mail only as the cost of scan to file and emailing is cost prohibitive.

Attached is full description of the circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I became XXXX in XX/XX/XXXX they Ocwen should have given me a forbearance. They refused. And my wife passed in XX/XX/XXXX which a clause in the loan had mortgage insurance for payoff and they denied it.

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 2018-03-29 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: IA

Complaint narrative:
In XX/XX/XXXX I signed up for the American Express Starwood primarily for the XXXX  Starpoints offer if I spent {$3000.00} within 3 months. I had this card previously but reviewed the offer details and it did not indicate anything that would make me ineligible. We ( my wife and I ) began using the card and I checked the statement after we had spent the required amount in the required time but the bonus starpoints were not listed on the statement.

I called American Express on XX/XX/XXXX and after explaining the situation and a few people researched I was told I was not eligible due to the pervious card I had ( which had received a bonus at some point around XX/XX/XXXXand had been closed in XX/XX/XXXX ) with the company. I stated that no such statements were in the offer ( though I did look at their current offer and it did have that verbiage as of XX/XX/XXXX ) and I had all my paperwork which i review again and no exclusions were listed. Below is my interactions with American Express since that time : XX/XX/XXXX - Filed a complaint ( conf # XXXX  ) which would review the offer which could take 6-8 weeks but was told to call back in 4 weeks.

XX/XX/XXXX - Called for an update was told to fax/upload my offer paperwork and agreement XX/XX/XXXX- Uploaded 18 pages agreement - offer details, agreements, supplements etc.

XX/XX/XXXX- Called to confirm upload and was given new case id ( XXXX ) and was told to call back in a week for information XX/XX/XXXX- Called back and was told it will take 4-6 weeks to review XX/XX/XXXX - Called back was told still open and 'investigations ' take 6-8 weeks to review XX/XX/XXXX - Called back was told being worked on no update but would be emailed this month XX/XX/XXXX - Called back case still open but no definite timeframe to resolve but usually 2 billing cycles At this point i have no faith that anything is being done due to conflicting information on process, timeframes and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
XX/XX/2018 I called AmSher Collection Services this morning at XXXX  to pay a debt that I don't agree with however I'm in the middle of closing on my house & need it off my report immediately. I asked the agent XXXX XXXX to agree to sending a letter on letterhead showing the debt was paid in full & will be removed from my credit report, he advised me they have no such letters in their office. I asked for his supervisor, he said I need to call back after XXXX to speak with her. I asked for her name he advised it is XXXX XXXX. I am willing to pay this debt off in full today w/ an agreement that I receive the letter I requested so I can give it to my loan officer for closing purposes. This debt shouldn't ever been on my report per the agreement w/ XXXX XXXX w/ XXXX Corporate   office ( see attached documents ) The XXXX  debt they are collecting has been turned into the XXXX & the FCC.

Thank you for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation