vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC
State: MO

Complaint narrative:
On Friday, XX/XX/XXXX at roughly XXXX, XXXX XXXX customer service agent XXXX XXXX XXXX did call my place of employment after the customer service department was instructed to not call any number other than my cell phone ( XXXX ). This was explicitly told to the customer service agent several weeks prior. I have recorded conversations with that individual as well as my conversation with XXXX XXXX. 
XXXX XXXX attempting to contact me at work has put my job in jeopardy as I'm not allowed to take personal calls on a work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
XXXX is attempting to enforce a cancellation penalty that was never agreed to. I've contacted both XXXX and Convergent requesting documentation that establishes an agreement between myself and XXXX including cancellation fees. No such documentation exist, and thus has not been provided. Despite these request I continue to receive debt collection efforts by Convergent.

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 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Not sure of exact date going off report received from XXXX reported XX/XX/2016 states I was reported for Suspected fraud activity in the amount of {$190.00} closure status UNPAID. I was residing in Georgia temporarily & i opened an account with Bank of America, upon traveling back an forth to New York, I lost or misplaced card & I did not give my pin # to anyone. I reported card lost/stolen & my account was closed after review by Bank of America. I was never informed i had any outstanding balances owed to Bank of America. I recently went to the bank with my mom to be added as a signer on her account an the branch manager informed me that I could not be added due to fraudulent activity reflecting on my social security number was entered.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
I recently signed up for a tanning package with a local company. I payed XXXX + some additional free for there basic membership, allowing access to the most basic tanning beds. The benefit to the membership is that the cost to use the top of the line tanning beds is greatly reduced for members. I bought single upgrade to the top tier tanning bed totaling XXXX $ cash. While paying the employee informed me of a {$90.00} package that included 6 tans. Being the sucker that I am I agreed that I would benefit for saving money buying the tans in bulk vs each time I visited. The employee recommended I tan for the full 10 minutes in the bed for my first session, and since I wanted to expedite the process of tan skin I agreed. The end result was 3 weeks of XXXX XXXX, 1 week of XXXX XXXX, and 1 visit to the ER funded by myself.

Dissatisfied with the business, I decided to dispute the charge for the remaining 6 tans that I hadn't used. I called the company myself without the guidance of the bank and they refused to refund the money, and insisted that I could come back and use the remaining 6 credits anytime. I informed them that after visiting the ER and suffering for 3 weeks I wouldn't be tanning again, but they stuck to there guns. A few days later I contacted XXXX XXXX XXXX XXXX card customer service about disputing this charge. They proceeded to 3 way call the company with me on the line. We discussed out the details of the dispute to the tanning company tele rep, and she informed me/XXXX rep that the appropriate person would be in contact with XXXX if needed later that afternoon. 
Time carried on and XXXX never heard back from the tanning company regarding the dispute and I was refunded the money for the 6 tans. Approximately a month later I received a letter from the tanning company claiming they were sending the total of {$90.00} to collections along with a {$25.00} charge. I immediately called the tanning company and asked what was going on, they informed me that there is nothing they could do, and that the debt had be acquired by a collection agency. I then proceed to call XXXX and inform them of the situation, learning there is little they can do for this type of situation. The debt collector actually made initial contact the very same day I received the letter and called the tanning company. Seems like they were out for revenge regarding the dispute I was awarded. 
I informed the creditor of the dispute being settled and even offered to send the documents from XXXX showing this process. The creditor had no interest in the documents, and told me the debt would need to be settled regardless. This doesn't seem fair, what is my next step in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarFinance Capital LLC, Irvine, CA Branch
State: NY

Complaint narrative:
I financed a vehicle with Car finance which was taken over by XXXX XXXX which they repossessed in XX/XX/2017. When they repossessed the vehicle they didn't give me any notice immediately after the repossession or receive notice before the vehicle to be auction or provide me with a statement regarding the sale of the vehicle which I had the right to know. I contacted them several times on this matter an has never received notice on this matter. I see in my credit report where the vehicles is listed with Carfinance in collection for 60-90 days late with an balance of {$16000.00} an also listed in my credit report with XXXX XXXX XXXX  collection charge off with an balance of {$16000.00} I don't think this is fair how they are reporting one car with two different company with two different amount owed. They are using unfair credit reporting action to me. They didn't respect my rights in repossessing the vehicle by informing me of their intention of just selling the vehicle an not giving me the opportunity to get the vehicle back.

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 2018-02-26 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I purchased a round trip flight from XXXX, OH to XXXX, XXXX, XXXX. The total cost for two tickets was approximately {$2900.00}. My return flight was scheduled to land in XXXX on XX/XX/2017. However, the airline removed us from the connecting flight from XXXX to XXXX for no reason. We landed on time to make the connection. Then the next flight was delayed since there was no pilot. We did not arrive to XXXX until the next day, XX/XX/2017. I provided documentation to American Express. The merchant provided no documentation regarding terms or conditions as there were no terms to remove passengers from flights or to reschedule landings for a different day. I am requesting {$600.00} credit, {$300.00} for each ticket is more than fair. It took us more than 27 hours for the total trip so we should have not had to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
I submitted my borrowers application on XXXX and uploaded and sent in all of my information to Roundpoint Mortgage via email to both XXXX XXXX and XXXX and believe they are prolonging the process unnecessarily and have attempted to reach the dedicated representative on XXXX occasions. If it were any documents missing, this information could have been left on the voice mail versus sending a letter in the mail to prolong the Loss Mitigation Process. We are very concerned that our Loss Mitigation Paperwork is being mishandled and on purpose being prolonged for not helping us alleviate our extenuating financial circumstances based on my daughter who was hospitalized for over 34days in XXXX and my seeking employment. 

We are Military Veterans and requesting immediate help with our VA Loan Mortgage situation. All the supporting documents were sent to both emails. Why is there an unnecessary delay in processing our loan modifications. Also, when I call the XXXX, I am not able to speak to a live representative. I believe they changed something in the system which now hinders us from gaining immediate access to any represenatative in Loss Mitigation. Why did the prompts change last week? 

We need help with our VA Loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from CHASE Cardmember Services ( dated XX/XX/XXXX ) advising they are closing my account due to inactivity. The number provided to reach CHASE is outlined on the letter as XXXX. This is a non-working number. I have always had the understanding that closing a card can have negative impact on your credit score so even if I am not currently using the card/ have outstanding balance, I leave the card open. Can they just close the card and cause a negative impact on my credit score? Their note states, " We regularly review accounts to determine how customers are using our products. During a recent review, we found that you haven't used your card for an extended period of time. For this reason, we will close the account in 60 days as of the date of this letter. You may use the card until it closes but using your card won't keep it open ''. I have other cards that have been issued since the XXXX and they haven't closed them for inactivity. My main concern is the impact on my credit score. It is already deteriorating quite a bit since I lost my job in XX/XX/XXXX and have kept paying my house note since that time. My payments are becoming more and more late due to the fact I have now wiped out my savings and have just about used all the retirement funds. I know this has dropped my score several points as I just reviewed my score recently and see it has dropped almost 200 points. I have had other accounts 'close ' or the limits reduced, I am assuming they periodically run the score and note the deterioration. I have always paid my bills. In fact, I have paid some of these cards off more than once. I do not think this is fair. People file bankruptcy daily and continue to get credit. It's crazy. I feel like I am being punished for doing the right thing and paying the debt, even if it is paid late and on top of it, this card has nothing to do with that. Just a note saying closing for inactivity. My request is this? Please outline their rights relative to closing the account. If you agree this will negatively impact my credit score, please outline steps I can take to combat this action. 
Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. 
I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.

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 2018-02-26 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: CITIBANK, N.A.
State: TN

Complaint narrative:
CitiFinancial posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX came to XXXX Florida and we were without power in our home for 11 days. My husband was without work for 3 weeks. My husband is a XXXX XXXX   employee in the car business. We called Caliber home loans immediately following the disaster and applied for a 3 month forebenace with the understanding that the payments would be deferred to the end of the loan. The representative advised that we would need to sign the documentation to modify our loan and send it back. I never received the documentations and would call caliber almost every week. When I called at the beginning of XXXX I called to make a payment as usual and they advised that I didnt need to make a payment until XX/XX/XXXX since I was approved for the modification. Keep in mind I havent signed anything yet. On XX/XX/XXXX I called Caliber and told them I still have not recieved the documentations. The Mail came that very same day and finally I received the papers. When I read the documents it stated that it was due on XX/XX/XXXX!!! I literally was on the phone with them and it recorded that I just had recieved it. I quickly went to XXXX XXXX and scanned and emailed the requested documents to Caliber Home loans and I CC my husband on it for his reference. I called back on XX/XX/XXXX just to follow up on the email. They advised that they never received my documents therefore FHA revoked their offer. I was very upset and I felt cheated. Since XX/XX/XXXX I call caliber everyday and one of their representatives ID # XXXX said she sees that the email on the documents was a correct email address but not the correct email for the modification department where all the emails and letters needed to be sent. How was that my FAULT!!!. The representative then told me to send her proof of sent email and the cc to my husband showing receipt of email. I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to have the same response each time ( that the offer is still revoked ). On Saturday XX/XX/XXXX I received a letter stating that if I do not come current with my loan I am in lieu of foreclosure. I really need help in this matter. I have XXXX kids and I do not work my husband is the sole provider of this family and we feel that Caliber home loans did not handle our acct fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: OH

Complaint narrative:
This time last year I mail in a payment of XXXX twice in the month of XXXX, the mortgage company contacted me stating they could not find the money orders. I faxed over a copy of the reciepts for money orders and then they said they found one and not the other. Finally they found the other by then it was two three months later which put me behind a couple payments at the time. I tried to do a pay down payment plan for payments that where behind I was told to do loan modification and I went through that process but keep getting the run around on that, I sent in all paperwork from income verification and bank statements, everytime sent these items in they add a different month on these documents. I just sent another round of documents which also included my wife 's income and now they saying they need more bank statements and proof of income again I have sent these documents several times, I am desparetly trying to stay in my home and keep getting the run around meanwhile money is incruing on this account. please help save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Risecredit, LLC
State: CA

Complaint narrative:
Dont reganized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
The CFPB website does not have a proper category for this ... ... 

On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. 

I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. 

In fact, this was the first communication by this company. 

On this date, I am sending written demand that they never contact me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Beginning on Tuesday, XX/XX/XXXX, the Customer Service team from XXXX XXXX XXXX has called me every day leaving a pre-recorded message that I need to call them. When I call, there is no issue -- no late payment, nothing needed. They advise me of same and we end the call. The next day, I receive the same call again. 
I called them yesterday to make a complaint and to advise that I would be filing a complaint against them with this agency if I received another call from them. 
They called me again this morning. This is harassment.

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