vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report This is to add some information about experian, and XXXX  credit reporting agencies After speaking with a rep at Experian they said the account was opened by 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 2019-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Since XX/XX/XXXX American Express Bluebird Debit Card Customer Service reps have been giving me the run around. I purchased this card for {$5.00} in XX/XX/XXXX and used it until just recently for paying bills, online purchases, and direct deposit of my VA compensation check just to name a few. 
My VA check this month was processed on XX/XX/XXXX and received by Bluebird thru American Express National Bank. That check is being held by them and not released to me. I called The Veterans Benefit number today at XXXX and spoke with a representative who helped assist me in my future direct deposits however he told me explicitly that the VA has not received my check back and that it has been in FACT deposited into my Bluebird account. 
The Bluebird representative told me that I was pre-selected to have my account shut down and would give no reason as to why I never received notification that Bluebird was doing this. They are collecting interest on my check that they are are not releasing to me now for at least the last 4-5 days. 
I want my VA check released to me by Bluebird A/S/A/P. I also want the {$5.00} I paid for this card ending in # XXXX refunded to me. I also want refunded the {$5.00} for the Bluebird card I had gotten for my son that never worked ending in # XXXX and also {$5.00} for the Bluebird account I got for my boyfriend XXXX XXXX ending in # XXXX whom no longer wants the card. Furthermore I want refunded the {$5.00} I was charged on top of purchasing these cards each time when I used them for the first time. 
I want refunded a grand total of {$30.00} for my inconvenience. I want the refund based also due in part to the deliberate run around I endured. Reps knowlingly were telling me for days that my direct deposit could take up to several days to reach my account. They knew full well what was going on with my account and lied to me. I want this refund also based upon the fact that Bluebird caused me direct stress and aggravation with their complete lack of customer service and regard for my VA income. Lastly for hassles I have endured causing me to be late paying my bills. ALL due to Bluebirds total disregard of my account and funds due to me from the US Treasury on the first of every month. I never had an issue with Bluebird like this for over 6 years until I recently started utilizing another bank. Coincidence, you be the judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have personally been affected by several data breaches. I have found several fraudulent accounts on my report and I am requesting the are removed immediately. Information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: CO

Complaint narrative:
I was made aware of an account in my married name of in XX/XX/XXXX through the company XXXX XXXX. This is not an account that I opened, I believe it was opened by my ex-husband in XXXX. In XX/XX/XXXX the account showed up on my credit report as a charged off account. I was trying to refinance my home at this time. I called XXXX XXXX and explained that I never opened account with their company, I never received any of their merchandise and I asked for them to provide me the documentation that they used to open the account. They never provided me with any information and they refused to remove the account from my credit report. My mortgage refinance was stuck because of this issue. I then paid off the account despite the account not being mine. I spoke to XXXX who is a customer service representative at XXXX XXXX and she told me that they would delete the account from my credit report immediately upon me paying off the account balance. I paid the account off in XX/XX/XXXX. Since paying off the account I have called every month to get it removed from my credit report as I was told it would be. Today I spoke with XXXX another customer service representative at XXXX XXXX. She was the third representative that I spoke with today. I had to explain my situation three times before anyone would help me. I explained to XXXX that I was told the account would be deleted once the payment was received. She placed me on a long hold. When she returned to the phone she told me the account will be deleted from my credit report 7 years from the date it was reported despite the account being at a {$0.00} balance and despite me telling them that I did not open the account. I also previously disputed the account. XXXX XXXX never responded with anyone to show that this was my account. I paid them off in good faith that they would remove the account like they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Payday loan 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: 2288984 Ontario Inc.
State: OH

Complaint narrative:
I was contacted via telephone number XXXX. A company that would only identify themselves as " XXXX '' They said I must pay {$3400.00} or a settlement of {$2200.00} or I would be charged with 'defrauding a financial institution ' and would go to jail. They contacted myself, my ex wife, and my wife. Telling them all of the information on the case, including the amounts, the debtor and the case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase sent me an email today with the innocuous title " Important information regarding changes to your Chase account '' ( they often use similar titles for ads and other communications ). 

In it, they force me into binding arbitration ( despite that never being something I had agreed to and never being a part of any contract between me and them ). 

They do include a method to opt out, but have no additional information about the consequences ( many other people I've seen who have had a similar problem are afraid that Chase will close their account if they opt out ) and, even more egregiously, despite Chase simply sending an email doing this, they require me to mail them a letter with my personal information enclosed in order to opt out. 

This is clearly less secure and a massive loss of both my time and money that is clearly being used solely to dissuade people from opting out. 

This is blatant malpractice by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loans are now serviced by Navient and I noticed just recently that the loan disbursement dates they have listed do not match the time I was in school and the loans are owned by another bank. I would like a full inquiry on the loans they are servicing. they show a date of XXXX for the distribution but I did no attend school in XXXX we moved from XXXX to XXXX in XXXX. the disbursements should be XXXX and or XXXX. I requested full validation of the account will all payments made to them and the previous servicer. my balance just keeps getting higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting incorrectly a collection in the amount of {$27000.00} partial account number XXXX. ( Please see page 22 of the attached credit report. ) This account is over 7 years and reporting of this item is a violation of the Fair Credit Reporting Act. This inaccurate reporting is harming my credit score. Please delete this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
My wife and I just applied for a new loan and learned an existing loan with Rushmore LMS was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called Rushmore and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called XXXX and was told I can file a dispute since Rushmore reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I never have a account with XXXX XXXX I call them I do t have a account but they want me to pay {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have repeatedly disputed the XXXX XXXX XXXX XXXX account on my credit report with each bureau. Each one is reporting inaccurate information they claim is verified. Each one is reporting different information. There should not be a payment due listed on this charged off account. It was written off, but the bureaus claim there is a payment due and a balance due. I requested the payment history from XXXX XXXX XXXX XXXX, and have provided that to the bureaus, but they are still reporting inaccurate information as verified. XXXX states the balance due is {$2000.00}. The bureaus are reporting {$8900.00} due.The payment history is incorrect according to the document provided by XXXX XXXX. This inaccurate information has been disputed, however, it is still inaccurately being reported. This misinformation is extremely detrimental to my financial well being and credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
company who had a caller id of CCS office continues to call my cellphone and will not identify what they want. Continues to as for personal information before they will talk to me like name address and SS # and I will not give any of that over the phone. Have asked them numerous times that they are calling a work number for my business and to remove the number from their database yet they continue to call harassingly and will not stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
Please accept this Qualified Written Request for a copy of the Notice of Hearing for a specific file number identified by SunTrust 's law firm as " File No. XXXX ''. This " Notice of Hearing '' is distinct and separate from File No. XXXX found within Court file XXXX XXXX XXXX and XXXX within XXXX XXXX XXXX respectfully. 

Thank you - XXXX XXXX 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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Approximately 3 months ago I received a credit card in the mail from BMO Harris Bank. I did not order this credit card, ask for it, apply for it, nor did I make the activating phone call noted on the back of the card. I mailed a note to BMO Harris Bank on XX/XX/2019 explaining the above and noting the card has never been used. To date I have received no mailings and/or reply from BMO Harris Bank, only a billing statement asking for the yearly fee of {$80.00} due on this card. Three statements have followed, stating in addition to the yearly fee, fees charged and interest charged now total {$180.00}. 

I am an XXXX year old female, and I consider this an unfair and deceptive practice.

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 2019-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Won't let me verify phone number to create a venmo acct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Would you please provide to me this information regarding my mortgage.

What date do my mortgage has been sold to you and what was the balance that has been transferred to you. please break down the balance of my mortgage into two balances.

1. Deferred principle {$280000.00}. who you purchased from or transferred from.

please provide to me a full name of seller or transferee, also provide to me the dates of those transactions.

2. interest bearing principle {$41000.00}. Who you purchased from or transferred from.

please provide to me a full name and Address of the seller or transferee., also provide to me the dates of all transactions.

3. please provide me the audit or verification those balances mentioned the above done by the clearing houses.

4. please specify if these balances has been transferred as one or seperate dates and transactions.

5. please provide all the assignments in my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I requested the interest rate charged per month again and Credit Acceptance refuses to do this. Credit Acceptance refuses to credit me the proper refund since I cancelled a worthless warranty on XX/XX/XXXX {$1700.00} rolled into a 22.99 % auto loan. I cancelled this XX/XX/XXXX, and only received a {$1700.00} credit. I asked for a print out of payments I made monthly ( 10 ) towards the XXXX on loan. From XX/XX/XXXX to XX/XX/XXXX. 14 payments are due to me as a refund plus pre-calculated compound interest.They refuse.Predatory lending and unfair-deceptive consumer fraud- for they never ran my credit report. How did they arrive at 22.99 %?, they refuse to answer. 
I told them they are charging interest more than the car is really worth. No answer. Predatory lending. I told them there is no compound interest in Arizona or pre-calculated interest by lay. No answer. I requested my pay history and pay off statement showing the monthly interest. Credit Acceptance is a predatory lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc.
State: TX

Complaint narrative:
The problem its with CONNS XXXX. At the time of the purchase. They give me two lines of credit. Spread the total between both accounts to I dont see the extra insurance and warranty they add without informed me. When I get late, they add a huge amount of interest and call me everyday about 8 to 12 times a day. At the time of the purchase 3 years ago the cost was {$5800.00} and as todays day I have pay {$3900.00} and they said Im still own to them {$7100.00}, how its this posible?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 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: MS

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX   XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have received notice from the county stating there is a supplemental delinquent tax bill from years ago that has not been paid by my mortgage lender ( freedom mortgage ). I immediately notified freedom mortgage via phone and email and made it clear to them that the issue needed immediate attention as the county woul initiate foreclosure process if there was no resolution by XX/XX/XXXX. Freedom Mortgage has since been working on the issue with no resolution as of today Tuesday XX/XX/XXXX when the county would be finalizing the foreclosure paperwork. I have continually reached out to freedom mortgage and every time they seem to be confused as to what is going on and after hours of me having to re explain the situation they always promise they will work on the issue and be sure to expedite the process but have never been able to get clear answers. The county has also gotten ahold of freedom mortgage directly with same outcome, no results whatsoever ever. Dealing with all this has cost me numerous hours absent from work , county has added $ 900+ in foreclosure fees and my home is now in foreclosure all while freedom mortgage staff seem to be so relaxed just telling me they will look into the situation and not communicating amongst each other. They have not once reached out to me to update or anything its only when I call them and even then they are all so out of the loop and confused, they need to provide specialized training to those who work in their tax department and work on their note taking on accounts and communication amongst each other because this has truly been a huge hassle, huge head ache and huge loss of money and as of yet unsure on what will be of my 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