vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I paid a fee to secure a locked rate on my mortgage interest rate at 3.625 % I was given a 3.75 % rate at closing and a year and a half later I was given a " remediation '' check in the amount of {$2100.00} dollars for the rate lock I paid for that never occurred. This is a very deceptive practice. Classic Bait and Switch. When I brought it to the attention of my Loan Officer XXXX XXXX at closing. She acted as though the conversation and transaction never happened. Since a " remediation : check was dispersed to me, it solidifies my contract issue. This is a clear breach of contract, and Bad faith business transaction. I have no one in my corner and am at the mercy of whatever my mortgage company says happened. Even though I know they are not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
{$500.00} was taken out of my bank account by Huntington Bank without prior proper notice. Amount was taken out on XX/XX/2018. Call was made to Huntington customer service on XX/XX/18 and I was told their collection agency took out the money and there was nothing they could or would do. Calls made to Huntington 's collection agency on XX/XX/2018 resulted with the same results. I also requested a research of the transaction on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received a letter dated XX/XX/2018 that Chase was closing 2 of my business credit cards one ending in XXXX and one ending in XXXX. I contacted Chase on XX/XX/2018 and was told there was no reason given for the closing of the credit cards. I spoke to a representative and he informed me that he didn't see any reason for the closure of the cards either. I let him know that I still have my mortgage through Chase and the only reason that I could think of for the closure of the accounts is that Chase wanted to eliminate there honoring the bonus categories on those cards. I have had both of them for about 4 years and have never had a problem with either of them. These cards offer 5x points on specific purchases and the new version of the same card only offers 3x points on that same purchase. The Chase representative let me know that I could apply for the new version and I informed him that the reason I wanted to keep these cards was because of the 5x points. I think the only reason that Chase closed these accounts was so that they wouldn't have to honor the terms and conditions that they agreed to. Please let me know if you need further information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Starting in 2012, when I entered my 3 leases with various XXXX Dealerships, I was told UPFRONT at the time of purchase, on each of those initial leases that if I kept my vehicle in good condition and under the mileage agreed to I would benefit from any added value the car was worth. Conversely any excess mileage or extra wear and tear would cost me a fee at the termination. 
After I turned in my first XXXX lease, the mileage was over the allowed amount and I paid the extra fees. However, although I was assured of the same return conditions when I traded for my next XXXX lease, when I went to turn the car in that was in excellent condition UNDER the allowed mileage, I was told by 2 XXXX dealers that Ford/XXXX corporate prohibited them from giving me the extra money on a trade in, even though the car had a blue book and retail value above the residual. They both said I was not entitled to receive any extra money because I didn't turn the car in 3 months before the end of the lease. Since my payments were automatic, I never received any notice or a call that changed the deal I was repeatedly told about. This car was then in possession of Ford/XXXX who profited from their questionable proclamations of their dealer leasing tactics which resulted in costing me approximately $ 2-3,000. 
I wrote to several senior executives at Ford/XXXX  management in XXXX, MI to explain my problem and they replied that they have no jurisdiction over their independent dealer group.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
For months Messerli & Kramer have been harassing me over the phone demanding I settle debt with a XXXX XXXXXXXX XXXX XXXX card. They were not able to listen or work with me on the debt considering I had fraudulent activity on my Debt card around that time frame I questioned the debt and ignored their advances and told them to leave me alone. Around late XX/XX/2018 I  received a summons from Messerli & Kramer at the late hours of the night from someone who insisted that it was a court matter where I had to appear or file for an answer. I then contacted Messerli & Kramer asking for signed documentation of the agreement that I had with XXXX XXXX XXXX XXXX which was not provided. I asked for signed verification of transactions from the dates in question for transactions I did not recognized which was not provided. I did happen to receive generic documentation with a debt owed and a rundown of the transactions without signed verification including a header stating that Messerli and Kramer were Attourneys at Law NOT debt collectors ( I can prove this as well and will attach ). I provided this same documentation in an answer to the circuit small claims court along with a counterclaim request about the repeated violations of the The Fair Debt Collection Practices Act but my counterclaim was denied as well judgement ruled against me which leads me to file my complaint here.

Attachment of Article 1 : Documentation provided by Messerli and Kramer and Example of XXXX transactions from XX/XX/XXXX that I don't recognize and no signature verification provided Attachment of Article 4 : As you can see from the Header they are representing themselves Attorneys at Law instead of Debt Collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
In XX/XX/XXXX after receiving a copy of my credit report from XXXX I filed a dispute for a bill in the amount of {$1200.00} with XXXX XXXX account # XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they had contacted the credit bureaus and requested that the account be closed and deleted from my profile. I receive a current credit report on XX/XX/XXXX and it now shows this account is with a different agency by the name of Source Receivables Management for the same amount of {$1200.00}. None of the Credit Bureaus notified me within the 5 days required by law that this item would be re inserted back on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have made multiple attempts to correct this issue of inaccurate information reporting to my credit files namely XXXX as the other credit bureaus have complied with the inaccuracies of the collection agency XXXX and the lack of validation provided to me upon my requests from the collection agency, I have never been served properly as stated in their prior response and the per the statute and their own admission this item should be removed from all credit reporting agency 's that they have reported it to as of XX/XX/2018. However it still reports to XXXX as the other agencies have complied with the law. Attached is a letter from XXXX XXXX regarding the account and their statement saying a request to remove this obsolete data from the credit agencies should be done from their end XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have contacted BOA on numerous occasions, by phone, email, and mail. I have also created numerous disputes online. My BOA account was sold to XXXX XXXX  XXXX in XXXX, my BOA account is still currently reporting to the credit bureaus incorrect information. In XX/XX/XXXX BOA showed a 30 day late, this account was not serviced by BOA in 2 years and the account hasn't been late in over a year. How BOA is showing a late is unknown. Also XXXX XXXX has since gone through and included all reporting of the mortgage since I originally  obtained the loan in XXXX. So I now have lates showing up on my credit from BOA in XX/XX/XXXX which isn't correct ( wasn't late ) but also have double reporting of negative lates in XX/XX/XXXX-XX/XX/XXXX. 

I have spent countless hours on the phone trying to resolve this issue, XXXX went through the account and provided an accurate report of lates as they are now servicing the account.

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
Consumer complaint received 2018-07-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Someone has opened an Bank Account at XXXX XXXX XXXX XXXX with my Social Security Number and used another name. I am still unable to apply for that bank until the issue gets resolved. In the mean time I attempted to view my credit report through XXXX XXXX, Experian, and XXXX. This is the message they gave me : " Your personal information doesn't match with credit bureau records. Please review your information for any possible errors. For security reasons, you'll also need to reenter your Social Security Number before continuing. Not sure what's wrong? You can find some tips on the right side of this page. '' I know that I do not have any credit as of right now. Why does my information not match? I checked my information several times to carefully to ensure I was not making a mistake and I continue to get the same results. Am I doing something wrong or is this the result of Identity Fraud?

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 2018-07-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: FL

Complaint narrative:
In the past year my loan was paid off, I requested my original promissory note and loan agreement to be sent to me. I was told that this was not possible and they did not have to disclose that information to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2018, I used ATM machine at XXXX XXXX XXXX, my debit card is from XXXX, the ATM machine is from Fith Third Bank. 

When I withdraw cash, I was given the message that there would be charge for transaction fee, I accepted and continued the transaction of withdrawing. 

However I checked my bank of account next day, I found 4 unrecognized fees, it said " BAL INQ 1 TERMINAL DRIVE FEE ''. Every fee {$2.00}, totally {$10.00} Then I finally knew that I was charged four times just because I checked balance three times and one time failed to withdraw because of withdrawal limit. 

By the way, even on the receipts, there are no anywhere that mentioned there would be this charge for balance inquiry. 

I did not know there would be fees for balance inquiry and even failing to withdraw. This is absolutely misleading consumers and cheating consumers. 

I have the receipts in hand now if you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This is causing me to fall behind on my home buying process which is why I have been trying to get this resolved ASAP.

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 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I paid XXXX directly and by law, they must recall the account from Convergent. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.

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 2018-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: GA

Complaint narrative:
As of my XX/XX/XXXX statement, I am under 80 % loan to value. I submitted a request via their online messaging system for PMI to be canceled, as there was nothing on their website anywhere explaining how to cancel PMI. 

Their online system requires a secure login and account to be set up, so it verifies my identity. However, they wouldn't do anything based on this request. Instead, the response told me that a request had to be submitted in writing via mail or fax. There was no form or template provided -- just that I had to include the account number. 

My partner and I wrote the request using the CFPB website information and an online template, and we never heard back. I sent another email message a couple of weeks ago via their electronic system and was told they would reply in writing. No information was provided. Another week has gone by without anything being received, and I just called in. 

They're now saying that I have to give them permission to do a BPO and pay {$140.00} to {$170.00} fee for them to do it. My loan ( and appraisal ) is less than two years old. When we bought the house, it also apprised for more than what we paid. This information could have been provided when I first asked about canceling PMI, and it wasn't. 

Even after verifying my identity twice, they also wouldn't let me authorize the BPO. They also claim they are allowed to require me to use their vendor and pay their fee as part of the cancelation process, but I didn't see anything like that on the CFPB website. 

I also asked if they would credit back the additional PMI payments being made from their failure to properly inform me of their process, and I was told they wouldn't. 

To me, this just feels like the mortgage company doesn't actually want to cancel the PMI and is dragging out the process. I would appreciate assistance from the CFPB with getting my mortgage company to actually cancel my PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 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: NV

Complaint narrative:
I recently opened a monitoring system in which i discovered a fraudulent account stating I owe {$380.00} that are causing a negative affect on my account.

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
Consumer complaint received 2018-07-06 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: CITIBANK, N.A.
State: IL

Complaint narrative:
last month on or around XX/XX/XXXX we went to make the payment which normally had been due on the XX/XX/XXXX for XXXX and we were late on the payment for XX/XX/XXXX from a 2 week off period with no check. Citibank normally will add  some to the payment but it was XXXX and when we went to livechat the woman harassed us and said this would be the payment from now on starting in XX/XX/XXXX without even asking why it had been late. She was unwilling to listen and harassed me and I am XXXX and do the bills for my wife. Now when I went to pay today it had the full amount of over 2000 on the payment. Home depot has been running a hidden promotion with no notice anywhere in the store that if you spend over XXXX it automatically is a promotion and nothing said or posted anywhere about their new hidden scam being shown. The rep was unwilling to work with us to have the payment the same as before and was very hostile so I cut the chat. We want an audit and investigation into their hidden promotions and these btw are illegal and showed up 3 months after the purchase was made in our online payment. Also we are suppose to get a paper bill in the mail each month and they haven't sent one in over 6 months. The payment date is the XX/XX/XXXX and this rep decided to say it was due on the XX/XX/XXXX with no prior notification of the change or authorization or paper bill sent to us informing us of the change.

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 2018-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
I received a letter XX/XX/XXXX from ARA Inc. indicating I had a debt in  collections with " XXXX XXXX '' in the amount of {$11000.00}. 

I called the number of the letter indicating I do not own this account and never had a credit card with " XXXX XXXX ''. The person on the phone became belligerent yelling at me telling me it was my debt from XX/XX/XXXX. 

I informed them I never had a credit card with " XXXX XXXX '', never heard of this bank and had no intention of paying this supposed " debt ''. 

The person then hung up on me. This is most definitely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed with the company on XX/XX/2018. The FCRA gives the company 30 days to respond. However, as of today XX/XX/2018, I still have not received a response from them. This debt is not mine and I should not be responsible for paying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TN

Complaint narrative:
This is a follow up to a closed complaint ( XXXX ). In summary, after months of no traction with the LoanCare, XXXX was able to get the lender to respond and issue a letter of acknowledgement that they had made errors in the collection of my payments. They sent a letter ( dated XX/XX/2017 ) stating that they had sent corrections to credit bureaus but those are not reflected and now I'm unable to get a loan for the home I have a contract to purchase on. The underwriter said they will accept the acknowledgement letter in my possession for a correction IF the company will re-issue it with a more current date, I'm having trouble getting through the anyone who can expedite this request so that I do not lose the home.

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 2018-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
My sister in law received a collection letter for me but was addressed to her. 
I don't even know her home address myself but somehow they tracked her. 
Is this legal? This was humiliating. 

Notice of collection and " special offer '' is dated XX/XX/18 from XXXX XXXX XXXX XXXX They have two XXXX XXXX address : XXXX MI & XXXX XXXX MN Original Creditor : XXXX XXXX XXXX Amount owed : {$1700.00}

Company response to consumer: Closed with explanation