vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXXXXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Clarity Services
State: TX

Complaint narrative:
XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: Innovis
State: TX

Complaint narrative:
XXXX XXXX other engineering company showing up pulling my credit with my permission please get this corrected they have been destroying my life hacking issues and other issues i filed to ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
1.On XX/XX/2018, I received a telephone call from my relationship XXXX at HSBC Bank USA where XXXX had been a customer for over 18 years advising me that she had been instructed by the Compliance division of the bank to " exit the relationship '' and that it would be closing my accounts on XX/XX/2018. The full back ground which appears to have led to that decision is summarised in an e mail dated XXXX XX/XX/2018 which I sent to XXXX XXXX XXXX, my Relationship XXXX at the bank. A copy of that e mail is attached to this complaint. 


2. For the reasons which are fully set out in my e mail to XXXX XXXX I was wholly bemused by the decision. But I am aware that the decision can not be challenged, nor can I be advised of the reason for it. So I shall have to make alternative banking arrangements. 


3. But I regard the amount of time afforded to me to make alternative banking arrangements - seven working days - as wholly impossible to achieve. All banks have KYC procedures and I am aware that these can take between fourteen to twenty eight days to conclude before an account can be opened. So the time scale for closure specified by HSBC will leave me without a bank for as a minimum a period which I estimate to be three weeks ; and will inevitably result in : a ) regular payments from the account I have mandated to third parties being unpaid, resulting in, among other things, a negative impact on my credit score ; and, b ) regular payments into the account being bounced back, since given the inadequate period of notice for the account to be closed, I shall not have time to re route these payments to the new account 4. I have requested that the bank extend the period for closure for a minimum of period of a month. To date they have not confirmed they will do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has tried 3 times to foreclosure on the property they do not have a lien. The property located at XXXX XXXX XXXX does not have HELOC # XXXX attached and have been notified and reminded the lien secured for XXXX XXXX XXXX XXXX XXXX been paid in full by a title insurance claim. Bank of America is negligent and incompetent in dealing with a loss mitigation situation. Bank of America continues to hire XXXX and XXXX to foreclose on a property is not associated with Bank of America HELOC # XXXX. The XXXX  XXXX XXXX that authorized this continuing foreclosure needs to be identified and reprimanded. The property at XXXX XXXX XXXX is free from any Bank of America HELOC and the title clearly shows this. This is reckless and criminal behavior by Bank of America. We ask the CFPB is regulate and enforce action  against a undisciplined tyrant Bank of America.

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 2018-08-28 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I would like to reopen case # XXXX which was a charge of {$1200.00} taken by a clinic to do a XXXX on me, XXXX failed and they called the police to force me not to come back to the clinic, so they refuse correction and they even refused to followup on the XXXX. I contacted Wells Fargo and filled complaint against them and at the end Wells Fargo as usual did not do anything and offering {$300.00} instead of investigating the theft from the clinic. I paid this clinic {$1200.00} and the XXXX failed and they called the police to force me not to come to them again, so they refused to correct or even follow up on the XXXX and Wells Fargo did nothing. The lady from Wells Fargo called me on the phone and refused to listen and was in huge hurry to hang up even though my husband tried to explain to her the documents we sent and wants to check if she received them but she completely refuse to listen to him even though I told her I am giving him the permission to talk to her but because she wants to hangup she refused to talk and this illegal because both me and my husband are on the same credit card account. Wells Fargo does not follow the credit customer protection rules which entitle the customer to get his money if the service provider did not do the service as in my case, I got XXXX certified surgeons letters stating the XXXX must be repeated and I have a police report that the clinic pressed a charge on me not to come to the clinic so they refused the followup and the XXXX correction and they sent Wells Fargo a letter saying that they did the XXXX and they scratched with black marker what was the service and guess what Wells Fargo to continue his illegal action did not ask for explanation on why they black marker the procedure and why the called the police instead XXXX offered {$300.00} so I can shut up, but as I said which is expected from this bank she was in sever hurry to hang up, also she promised a XXXX will call me and no one did, I have the information and proof about this lady from XXXX that broke all rules of credit card and called me and not listen to a single word from me or my husband.

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 2018-08-28 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
In good faith, rough draft abstract, and with all due respect, I have made payment to my XXXX ( XXXX ) American Express XXXX " XXXX '' ) on about XX/XX/XXXX via our new bank, XXXX XXXX. Payment instruments were XXXX XXXX XXXX XXXX XXXX XXXX 's checks, first thought to be XXXX money orders, since we did not have new bank account checks issued for our new accounts. Prior to XX/XX/XXXX I was unaware of my payments missing if not for XXXX 's rude staff being extremely, unprofessionally, and immaturely disrespectful to my fiancee by phone. Since then per our legally documented calls, XXXX has been unfairly rude, though less so upon me calling XXXX personally and especially after I reported said credible warranted concerns regarding missing payments and disrespectful XXXX staff. 
For context, please note that I have been an XXXX card holder for over 10 years in good standing without even XXXX late payment. Prior to current membership, I was an XXXX cardholder over over 10 years after I voluntarily cancelled my numerous accounts in XXXX prior to the American Great Recession. In footnote, I am a survivor of identity theft as my XXXX Alerts on my credit reports affirm. 
Since in good faith we made payment on time with XXXX, it is reasonable to expect as an equal human being for us to be treated with equal respect, including while we provide XXXX Bank the necessary industry standard time to research the missing payments. XXXX does not want to hear it. treating us as if we are criminals and have a chronic history of late payments or fraudulent claims with XXXX. 
We reserve the equal right to permit XXXX bank the necessary time to complete its investigation, including who cashed the payments, for it could easily be XXXX, for they are not moral saints incapable of making mistakes. Either way, XXXX promised not to charge any late fees, but they lied. Then upon question only credit the fee with the XXXX XXXX. While the XXXX XXXX is still pending a late waiver I cancelled the card without XXXX even trying to respect and preserve the professional relationship despite my incontrovertible innocence. Missing payments is not a crime. Moreover, XXXX is wrongfully demanding full payment on the account even on new XXXX card charges as if we owe XXXX of thousands of dollars. In fact the XXXX balance is {$210.00} excluding the {$27.00} late fee. And the XXXX XXXX is {$810.00}, when in fact the missing payment was only {$210.00} and change that was paid {$250.00} on XX/XX/XXXX. And the only payment due this cycle is {$450.00}, though XXXX is demanding all payment. Again, treating us as criminals. And as if XXXX has the right to disrespect us as if we are unworthy of respect and our equal humanity and rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
After questioning the validity of the mortgage debt since they were not shown as active on my MIN number recorded by MERS ( Mortgage Electronic Recording Services ), XXXX could not explain why they were inactive on my NOTE and sold the claimed debt to Bayview Loan Servicing LLC on XX/XX/XXXX. Current MERS search reveals that XXXX was inactive on my NOTE MIN number since XX/XX/XXXX ( See attached document ). 
Bayview Loan Servicing LLC has been trying to get personal information from me but I have insisted that they validate this debt. They sent me a packet filled with old statements, photocopy of the NOTE ( which they do not show up as servicer of the claimed debt when I searched the MIN number on the NOTE on MERS ). Bayview has sent me letter of intent to accelerate foreclosure when they are not able to validate this claimed debt. I need them to validate this debt by providing a NOTE that shows them as a servicer of my MIN number and a Bill to the said account so as to confirm the default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a credit card with XXXX 's XXXX XXXX. I have called them on several occasions I don't have the dates. The most recent interaction I had with them is XX/XX/XXXX. During this conversation I asked why the balance on my acct hasn't decreased. In XX/XX/XXXX I had a balance of XXXX I made a payment of XXXX dollars and the balance decreased by a small amount. I called then and was told the payment was mostly applied to interest. I stopped making purchases I closed the account from making purchases. I have made my payments on time and pay more than the minimum. Since XXXX of this year I have made payments totalling XXXX dollars and the balance is only XXXX. The representative I spoke with told me XXXX dollars went to interest. Then he continues to say the same ridiculous line the other have said. You signed the contract. You can pay the balance in full to avoid interest. It's the most disgusting display of a company I have ever seen.

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 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
I have a car loan through GM Financial and I had been paying my car note on time every since XXXX around XXXX I was in a hardship up until XXXX when I missed a payment and they have contacted me. During the conversation, I told them that I notice that they haven't been reporting my on time payments to credit bureau. She said yes we haven't because we been having a problem with our system and we just got a new one it will start reporting now. I said so there's nothing you can't do about it but instead they continued to call me on a daily basis and also have put a late payment on my credit. During the time I was paying on time they wasn't reporting. Also last year I had a back injury and haven't been back to work as of today. They gave me a defarament and didn't take off the late fees in which I was told that the late fees isn't included in that when I spoke with them in XXXX, but I was told that I would have to pay partial of my carnote in XXXX and it would push everything toward the end of my balance but it didn't. I feel like my rights was violated due to not reporting to the credit bureau until I missed a payment was unlawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX Closed arbitrarily 2 different credit card accounts, I have had my account open for 7 years, never miss a payment ( i pay my balance every month ), I have a XXXX credit and use around 10k in purchases a month. 
I got a letter that my account is going to be close in 30 days, I called to get a reason and could not give me a reason, I ask if it was my credit score ( my score is 700+ ) and they say it was not my credit score but they will not give the reason because is confidential, I ask to giver me a reason im afraid that maybe im a victim of identity theft. 
They will not giver me any reason, Im afraid they is discrimination because Im a XXXX I don't see any other reason never had any bank issue. 
Im looking at a Reason that they should give me if they decided to close my accounts. 
One account is personal and then other is a business account, they canceled mine but not my business partner that is not 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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I recently deposited a check for XXXX with Bank of America into my account through their mobile app, on XX/XX/25 I was told that the check would take 10 days to clear but they cant tell me why, Ive reached out to the paying bank to see what the issue is and was told BAnk of America has not reached out to them to get the funds released. Through the mobile app I was told the check would clear the next business day which it did but Bank of America placed a hold on it and now Im stuck in this situation with no access to my money.

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 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, Transunion and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.

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 2018-08-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX  received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including Equifax, XXXX and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX  owing me {$45.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: AZ

Complaint narrative:
In XX/XX/XXXX I got Americanexpress card. The offer was XXXX bonus points if XXXX dollars spent in 90 days. I spent more than 1000 dollars. Still bonus not given. When I enquired on XX/XX/XXXX no bonus given. I enquired today also no bonus given,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: CONTRACT CALLERS INC
State: UT

Complaint narrative:
I am working on repairing my credit, so I have been using XXXX XXXX. One of the derogatory marks, has an origination date of XX/XX/XXXX, through a collection company, called Contract Callers Inc. The original debt, being from XXXX. Any account I had with XXXX, would have been from XXXX. I called the company in question, to inform them of the mistake, but they refuse to change the date. My problem is, if they are allowed to continually change the origination date, this debt will never go off my credit. The debt is for {$1400.00}.

Company response to consumer: Closed with explanation