vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
When I originated this loan I requested that the escrow account be established out of convenience and it was not required. Since that time the loan was sold to SLS. At this point I would like the escrow account to be removed and for me to be able to pay my own insurance and taxes. I have had several conversations with SLS through this process and you can see through their response, requesting for the escrow account to be removed. At first I was told that the escrow account would not be removed because my debt ration of the house was at 82 %. After being hung up on by the agent, transferred to different departments, asking for a re- appraisal to be done and submitting a request for a re-appraisal using the guidelines that I was given by their representative. I was given incorrect information and was told that the re-appraisal had to be submitted a different way. I then submitted another request for a second re- appraisal to be done on the house and followed the guidelines given and told that the re-appraisal would be done. I then requested for the escrow account to be cancelled again and was told that the escrow account would be cancelled. To ensure that the escrow account would be cancelled I hung up and called back an hour later and was told by the representative that the escrow account would be cancelled. I also called a third time just to make sure and was told a third time that the escrow account would be cancelled. At that point I contacted, my local County tax authority and Insurance Company to have me billed directly for insurance and taxes. Only to receive a letter from SLS three days later that my cancellation request was denied. I then contacted SLS to ask them why it was not cancelled and no answer was given. I again requested a re- appraisal and was told by the representative that I would receive information via mail to have the re-appraisal done. I have yet to receive that via mail and I have received SLS response that they can not remove the escrow because the debt ratio is at 81 % and they are refusing to do a re-appraisal on my house. Lastly. I would like to state that my local tax authority has re-appraised my house and has it listed at {$30000.00} more than when originally purchased, Yet SLS refused to do a re-appraisal in the feedback. Can you please work with this company to have my house re-appraised and have the escrow account cancelled so that I may pay my taxes and my insurance myself? I have a credit score of XXXX and pay my things on time and it shows in my credit history. This company has not received one late payment from me, in fact it has all been paid in advance.

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 2017-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a pre-approved credit card offer from American Express and subsequently applied for the Platinum Card on XXXX XXXX, 2017 ( application # XXXX ). The application was declined and I reached out to American Express New Accounts Team for an explanation - the representative stated that because the reason was that I already have the Platinum Card. I spoke to customer service to have the card account downgraded to another product, and applied again for the Platinum Card on XX/XX/XXXX ( application # XXXX ). The application was turned down for the exact same reason. I called the New Accounts Team asking for a manual review because it was obvious the reasons for the decline were not only inaccurate but also outdated, but the representative kept reiterating the reasons for the decline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Recieved a called stating I have been sued by GE money bank for XXXX. On a debt that was opened in XXXX of XXXX and charged off in XXXX XXXX. All this infor was given to me by the caller. I was advised that they would garnish my wages and take any property that i may have

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 2017-10-19 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, Chase Bank, XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
There are many inquiries on my XXXX credit report I do not recognize some from XXXX bank, XXXX XXXX, XXXX, and 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 2017-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Hello, I have been trying to get this issue resolved with XXXX and XXXX XXXX. Someone applied for an XXXX credit card using my name, address and social security number around XXXX XXXX XXXX. I never received any paperwork in the mail, and they informed me that the card application was denied. They refuse to give me more information on the application. This is not fair to me as a consumer. I really would like this investigated. I do not know what to do at this point. 

Best, 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 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
THE NAME OF THIS COMPANY IS ARS, ACCOUNT RESOLUTION SERVICES  AND THEIR PHONE NUMBER IS XXXX. THATS ONLY ONE OF THEIR PHONE NUMBERS. THEY CALL AND ASK ME TO VERIFY MY NAME AND THEN THEY HANG UP. THEY ALSO ROBO DIAL ME AND AFTER I PICK UP, THEY HANG UP. THEY REPEATEDLY DO THIS OVER AND OVER AND OVER.

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 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: CO

Complaint narrative:
According to XXXX XXXX XXXX a debt was charged off and then sold to XXXX, XXXX, XXXX XXXX XXXX XXXX. FAX XXXX XXXX XXXX XXXX? I telephoned and faxed a settlement agreement in an effort to learn more about the debt to prevent it from being entered on my credit report, but the company does not respond to written or verbal communication.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX/XXXX/XXXX IS DATE GIVEN TO ME - I DID NOT OPEN AN ACCOUNT WITH THEM IN XXXX {$410.00} - I DO NOT OWE DEROGATORY MARK ON MY CREDIT REPORT WITH XXXX AND XXXX, XXXX HAS REMOVED IT. 
I HAVE DISPUTED IT TWICE BECAUSE THEY FAIL TO SHOW ME ANY TYPE OF CONTRACT BETWEEN I AND PORTFOLIO RECOVERY AT ANY POINT. 


XXXX XXXX, XXXX - PUBLIC RECORD A PUBLIC RECORD WAS REMOVED FROM MY CREDIT REPORT AND THEN LATER REPLACED. IT IS UNLAWFUL FOR THEM TO REPLACE ANY DEROGATORY INFORMATION ON MY CREDIT REPORT WITHOUT NOTICE. THIS HAS ALSO BEEN DISPUTED TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and 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 non-monetary relief
Consumer complaint received 2017-10-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX XXXX XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CFS ACCEPTANCE
State: CA

Complaint narrative:
Hello I decided to get A car from a dealer in year XXXX and had to pay a company called Cfs acceptance The payments were made monthly in the amount of XXXX $ sometimes XXXX $ monthly since XXXX/XXXX/XXXX I never bothered even thinking that once I paid off my car I was not going to have car title. I paid for it so I deserve my car title I attempted to call text email, going to their place and they were never there I waited and waited it 's time consuming, stress, ca n't sleep I want to know what can I do so I can get my car title one of the front desk ladies from cfs acceptance company told me now you will be making payment to a new company called XXXX XXXX XXXX so I asked why and how schould I make the payments same way you are now she says so I did I never had a problem with them so I made my payments through the XXXX XXXXXXXX XXXX I call cfs acceptance she gives me XXXX XXXX phone number so I can know my balance because I realize I think I over paid my car I schould be done. By now since I made calculations on my calendar So I call and XXXX XXXX XXXX says we have n't received payments since XXXX XXXX I 'm like wait a minute their must be a mistake so I have receipts of all payments made to cfs acceptance and where is the money that was deposited in XXXX XXXX card since XXXX who kept funds? Since they were never transferred to the new company since they were taking over I do n't understand I told XXXX XXXX my situation and they ca n't do much for me even if I sent them my receipt proof of payment they never received any payment since XXXX so according to them I wo n't be credited for amount paid please reach out to me and let me know what schould I do what will be next step

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I get calls daily from XXXX about my student loans. I tell them over and over. Im not working. I ask for holds until i get on my feet amd they wont help. Instead they keep reporting negative to my credit and its hurting me badly. How can I get a good job in my degree field if they wont allow a forbearance ( unlesd I pay money I dont have ) but keep hurting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: OK

Complaint narrative:
On XX/XX/XXXX, I went into the Hyundai Motor Finance website and noticed that I had two late fees charged that I did not notice before. When I called the company that day, they said my payments were late so there was nothing I could do about this. After getting off the phone with the representative, I did some more research and found that my statements for the months I was charged a late fee had an amount due of {$0.00}, which is why I did not make a payment. In XXXX I had paid {$700.00}, over twice my payment amount, so I thought that is why I had a XXXX balance due in XXXX, but I was still charged a late fee. For XXXX, I am unsure why I did not have a balance due, but I have had issues with this loan from the beginning with the dealership and had to call the dealership in XXXX because I had not received a statement to make any payments after my XXXX purchase. They had never sent in the updated paperwork to the finance company for my vehicle. So I am unclear how Hyundai Motor Finance credited my payments at the beginning of the loan, but I was relying on my statements to tell me if I owed money. I called Hyundai Motor Finance on XX/XX/XXXX to address this and the representative was able to reverse one of the late fees for {$22.00}, but she said she had to send the other one ( for {$22.00} ) for management approval. The late charge for XXXX is still on my account. These are small amounts, but my concern is that I do n't want this to keep happening because those charges can add up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: CO

Complaint narrative:
Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi, this is Regarding a US Bank summer promotion that gives a {$200.00} bonus after doing 2 bill pays of more than {$25.00}. I have yet to receive the bonus after multiple contacts with US bank, here 's a timeline. ( The bonus is maximum 60 days to be dispersed out ) 1. Opened account on XXXX/XXXX/XXXX, shortly after met the requirements of 2 bill pays. 

2. Emailed US Bank on XXXX/XXXX/XXXX regarding when I would be receiving my bonus. Was told thanks, I met the requirements, and that I would receive it no later than XXXX/XXXX/XXXX. 

3. XXXX/XXXX/XXXX still no bonus, emailed US bank they said I have to wait 7-10 more days and are going to " investigate. '' Unfair and unacceptable.

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 2017-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
it was a " stale debt '' from XXXX XXXX, XXXX, judgment which was never registered in XXXX XXXX court register department, XXXX XXXX XXXX, florida. it is the third time that I warned the midland credit management, inc., of the past due debt but agency continues collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I have been receiving telephone calls on my mobile phone from American Accounts & Advisers ( AAA ) out of XXXX XXXX Minnesota. Today someone who identified themselves as " XXXX XXXXXXXX '' called my mobile asking for someone else. He proceeded to tell me about how they did not have a good number for this person and " thought they would call me ''. I asked why he would call my cell phone when I was not this person. He again said " we do not have a good number ''. I asked if I was listed on the account as a contact and he said " no ''. I asked him " then why are you calling my cellular phone '' and he said he had a personal business matter with the person ( and again gave their FULL name ). I asked if it was a collection and this was " skip tracing '' and he said " yes '' - illegally disclosing that this was a collection. He then ended the call without allowing me the chance to get a word in edgewise to tell him not to call my mobile number. I called back and he would not answer the telephone. I called the company and asked for the supervisor ( who turns out to be the owner XXXX XXXX XXXX but he also would not answer the telephone. 

I have been in contact with the person they are calling MY mobile number for and have been disclosing information about and let her know what happened and the violation of her rights that has taken place. Needless to say, she is irate and plans to take action herself as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
BEWARE OF XXXX XXXX 'S PUSHING THEIR CREDIT CARDS ON UNWARY CUSTOMERS! Speaking as such a customer as well as a consumer economist, I found that they claim instant issuance of a credit card, whereas my wife and I stood in line for a half hour, early in XXXX of XXXX, while our frozen groceries melted -- only to be told that we would get a letter in the mail, which took weeks to arrive! We had just moved to XXXX XXXX and Target declined to issue us a card for that reason, whereas we got cards instantly from XXXX and XXXX. Target  store staff fail to mention the truth about their cards, making it seem that newcomers have no problem being approved, and that the cards are issued instantly -- which is a bald-faced lie. Try entering a Target store, and the " greeters '' corner you to push their cards, as do the checkout staff too. These high-pressure tactics lead unwary consumers to apply for a Target card, but be denied. 

FURTHER, writing to their corporate officers -- including XXXX XXXX XXXX and their top media staff -- does not even merit a response. Target does not even reply to customer service complaints, on their own comment form! Target top staff are high-handed, heavy-handed, and do not honor their own corporate responsibility statements. Target compounds injury ( by lying about their card issuance ) with the insult of non-response. Given their pious statements of respect for their customers and customer rights, this firm behaves abusively & does not deserve customer support. A full investigation of these abusive practices and misrepresentation is quite overdue! 

Ps. By way of background, I am a consumer economist who helped former XXXX XXXX XXXX XXXX write the original CFPB legislation, and who also advised your first XXXX XXXX XXXX. I am proud to have helped the XXXX people by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
My student loan servicer seems to be miscalculating my Income-Contingent Repayment ( ICR ) payment amount. They have been unable to explain to me why their calculation for my monthly payment is $ XXXX, when the estimator on XXXXXXXX shows my monthly payment estimate as $ XXXX. 

This servicer XXXX XXXX XXXX is difficult to contact, and their representatives are unhelpful and unable to provide information on their calculation of my payments.

Company response to consumer: Closed with explanation