vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp
State: IN

Complaint narrative:
I PULLED A COPY OF MY CREDIT REPORT AND NOTICED THAT CREDITORS DISCOUNT & AUDIT WAS REPORTING AS A COLLECTION. I CONTACTED THE CREDIT BUREAUS AND INFOMED THEM THAT THE REPROTING OF THE ACCOUNT IS MADE IN ERROR AND I AM NOT AWARE OF OWING THIS COMPANY. I SENT A LETTER TO CREDITORS DISCOUNT REQUESTING THAT THEY SEND ME PROOF THAT THEY ARE LICENSED TO COLLECT AND NEVER RECEIVED A RESPONSE. I THEN SEARCHED THIS COMPANY AND NOTICED THAT CREDITORS DISCOUNT IS NOT LICENSED/BONDED AND DO NOT HAVE THE RIGHT TO COLLECT IN INDIANA. I WROTE THEM A LETTER INFOMING THEM THAT I SEARCHED THEIR COMPANY AND THEY ARE NOT LICENSED TO COLLECT IN ALMOST STATES THAT I SEARCHED. THEY SENT ME A COPY OF A BILLING STATEMENT I REQUESTED THAT THE REMOVE THE ILLEGAL REPORTING FROM MY CREDIT REPORT AS THERE ARE VIOLATING MY RIGHTS.

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 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I filed a dispute with Simple Bank. I left my card in the store & when I returned to retrieve my card from the lost & found I found out purchases were made through credit & not debit which I normally use. I called in to let them know this. As I spoke with a representative she told me that she had to cancel my card because of the disputes type she wouldnt even let me get a word in. I told her to cancel the dispute because I had my card but I still wanted to dispute these charges. She then told me that she would do all of this. So time has went on I receive a provisional credit. I then receive a message almost a month later saying theyre reversing the credit because they just heard the phone call. Which put me in a negative & I had deposits coming in. The deposits coming in took me out of the negative but it was my money. They reopened my case to let me know that it was denied so basically they took my money & there is nothing I can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: TX

Complaint narrative:
Once again Trans Union has allowed the placement of a hard inquiry this time from XXXX XXXX Just FYI Trans Union I have my service with XXXX XXXX XXXX for the last three decades and I don't plan on changing anytime soon, I guess you've never herd of Identity theft which is exactly what this is but since you're so out of tough with the public you wouldn't know that, but I can assure you that after I'm done informing the attorney general in my state and yours, and the FTC for starters, you will know.

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 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
SPS is the mortgage company. I know they have class action suits against them, so they are obviously doing things illegally. They have had money in escrow for a year and a half and have released part of it, but they are continuing to hold a little over XXXX saying a certain percent of completion of work from storm damage hasn't been done. Some of the items they've said were not done have been 100 % complete. They sent my loan in for foreclosure while at the same time holding over {$30000.00} in escrow. I've called numerous times and keep getting the run-around. They can't seem to answer why they are keeping my money. Can you help? I think they're doing everything they can to hold my money as long as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I sent dispute a dispute letter to Experian. Despite my requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that they updated that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully  intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Account Name XXXX Account Number XXXX Account Name XXXX  XXXX  & XXXX Account Number 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 2019-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I applied and was approved for the Chase Marriott Bonvoy Boundless card from Chase. I used a link which advertised 1. {$200.00} statement credit after first purchase within 3 months of account opening, 2. Two free night awards valued at up to XXXX points each after you spend {$3000.00} in purchases in your first 3 months of account opening 3.  Annual fee of {$95.00} waived for first year. 

I instead received a {$250.00} statement credit and only 1 free night award valued at up to XXXX points. 

The award statement on my account documents Premier Plus Two Free Nights, each certificate good for 1 free night   up to XXXX points. There was only 1 certificate though. 

I contacted Chase several times to resolve the discrepancy. I asked them to change the statement credit from {$250.00} to only {$200.00} and to provide the 2nd reward certificate. I was not able to get any resolution, even with an escalation to a supervisor. The supervisor told me that the reward that I signed up for was a {$250.00} statement credit and 1 free night certificate. 

I do not agree with this. I carefully read the details on the Chase page before applying. In addition, the language in the certificate on my Marriott account documents 2 Free Award Nights. I have attached a picture of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Renton Collections Inc.
State: WA

Complaint narrative:
I was seen at the XXXX Hospital ER for a XXXX XXXX back in XXXX of 2019. Despite our best efforts to ensure we were going to an " in-network '' care provider with XXXX XXXX ( XXXX ), we discovered after the fact that while the XXXX Hospital ER is in network, the physicians group ( XXXX XXXX XXXX ) that is contracted to staff the ER is not in network. As such, we received a full billing ( no insurance adjustments ) from the XXXX XXXX XXXX ( XXXX ). We called to dispute the billing and XXXX directed us to contact XXXX. We contact XXXX who explained that in instances such as this, a third party company gets involved to negotiate the final billing, and it would take 90-120 days to resolve. After proceeding with this process, we received no EOBs from XXXX and no revised invoices from XXXX. Last week, we discovered we are being sent to collections by XXXX for non-payment of the portion of expenses that XXXX XXXX will not pay for an " out-of-network '' provider. I called to determine why I was being sent to collections when I hadnt been informed that the bill had been finalized, and XXXX claims to have sent two notices which were not responded to and they are not allowed to call patients regarding outstanding balances. XXXX offered no recourse to resolve the issue other than to call XXXX. I called XXXX and according to their records, XXXX is trying to collect {$96.00} more than I am actually supposed to pay. XXXX   offered to conference call XXXX to reconcile the account, but XXXX has message indicating it may take as long as 30 minutes to get a represenative on the phone, and XXXX is not able to wait on hold that long. XXXX instructed me to call XXXX, have them revise the bill, which should remove it from collections. I called XXXX, and they said XXXX  is wrong, and they would not be able to remove the billing from collections, and they would not revise the total amount owed by the {$96.00} in question unless it was approved by another department within XXXX, which could take several weeks to process. They said i would not receive an updated invoice, rather the collections agency would receive revised amount. I called the collection agency ( Renton Collections ) to dispute the amount, which is now accruing interest at 9 %, and they refused to place any hold on the interest accruing or reporting the overdue amount to credit bureaus. I feel like I am caught between 3 institutions, none of which clearly or effectivley informed me of my obligations to be paid, nor are they providing me with any recourse to resolve the situation without accruing interest or paying the bill in full. The amount in question, which has still not been resolved is {$870.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a mortgage loan through Quicken Loans. My loan agent was XXXX XXXX, Senior Banker NMLS # XXXX. 

When we began the loan pre approval process I asked if combining my Wife 's income to my income is ok to do. I am a XXXX  XXXX  of a small XXXX  and My wife works part time in the XXXX  of the XXXX. I was wondering if it would work for the XXXX to pay our family in a package with my wife doing some work also. XXXX mentioned that it was not legal and we could not do that. 

I reported back to our financial team at the XXXX  that the lender did not feel it is a good idea to combine what my wife makes to what I make. In order to allow for our family to live close to the XXXX and afford a home the financial team decided to give me a pay raise. They wanted me to find out what was needed in more funds to approve me to be able to buy home near the XXXX. 

On XX/XX/XXXX I text XXXX asking him what a XXXX or XXXX pay raise would get me. He responded with " Quicken Loans can't approve me for any other amount ''. I asked why? If I show the income then I can not be discriminated against. XXXX stated that He believed/it appears to him I was using my wife income not getting a true pay raise. I told him I did appreciate being told I am lying. 

A few days later I went back to XXXX and told him we are wanting to move forward with loan and the XXXX also decided to give me back pay/ bonus because of multiple years of making below the income mark for my position in a XXXX in our city. 

A few days later he told me to have a letter written from our financial team showing the pay raise. I did that. He also stated they need to know where the large bonus came from. I told them what it was and showed proof and a pay stub that it came to me from the XXXX. 

XXXX processed everything and got me approved. He had me pay XXXX dollars to commit. The appraisal was ordered and completed on the home. The next day I get a phone call from XXXX director saying that the fraud department denied the loan. No explanation was given other than they believed I " falsified ' or " inflated '' ( can't remember exact word ) my income to get higher approval. They also called into the question the legitimacy of the back pay/bonus. 

I feel like my integrity, our XXXX integrity, and our XXXX  committee 's integrity has been attacked and we have been victims of discrimination. Maybe its because I am a XXXX or my belief in XXXX, XXXX  XXXX ... I am not sure. But the way I was treated and the denial of a loan after an offer was already accepted on a house, inspections were already paid for and done. My deposit was already given quicken loans ... is thievery in my opinion. The financial loss needs to be made right and Quicken Loans needs to be held accountable for their behavior. I hope this companies protects many others from being victims of this criminal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Deposits in Bank of America are in HOLD for more than one week for no reason. The owner of the account HAS BEEN DEBITED but the money does not come to our account. Seems that BofA USES OUR MONEY for days.

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 2019-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I sent this company several letters asking them to verify this debt or remove it from my account. What they sent me back was just a letter with itemized charges that I allegedly owed. Theres no signed contract with my name or anything. That does not meet the federal trade Commissions guidelines of what constitutes proper debt validation! 
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to CFBP about Barclay Bank siding with the merchant about my dispute. Barclay bank expects me to pay for a scam. I have provided Barclay bank with full proof that I paid for a service that was not provided. I paid for a XXXX XXXX management program that can be paid monthly or full price. If paying full price the merchant promised to have new information released every month after the sign up date, which is the program I did and paid {$240.00} USD. I signed up for the program on XX/XX/2019 which means I should have three parts of the program already released. When I log into my account and go into My programs the page says " sorry we can not find this page. '' Please see document labeled exhibit A as proof. I do not have any access to the course at all. The merchant promised life long access on their website if the program is purchased in full. Please see document labeled exhibit B as proof ( Please note that the merchant changed the price for this program from {$240.00} to {$140.00} which is why the document shows a different amount than what I have paid. ) I did have access to the first part of the course my first month but after the first month I should have access to two parts of the course and by now I should have access to 3 parts of the course. As stated before they removed the program entirely. When I tried to contact the merchant after the first month which by then I should have access to the 2nd part of the course the merchant said I will have parts released month by month. It is now the third month and I do not have anything and the merchant stated they will not issue me a refund once started. Please see document labeled exhibit C as proof. I do not have any access to any parts of the program at all and I paid {$240.00} for nothing. Barclay bank sided with the merchant saying that the platform they provide the course on has a thirty 30 refund policy. On XX/XX/XXXX ( which is still within the thirty day period ) I contact the merchant to tell them that I did not receive the second part of the course, and the merchant purposely replied to me days later just so I am out of the refund policy. Please see document labeled exhibit D as proof. Barclay bank is not helping me at all with this issue after showing them full proof of me not receiving the service I paid for.

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 2019-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding filed a lawsuit against me back on XX/XX/XXXX in Ohio. By XX/XX/XXXX never heard anything about this judgement again and ignored it originally because had no clue what it was for.. They submitted a judgement to revive debt in XX/XX/XXXX clearly 6 yrs later and I believe OHIO has a statue of limitations on debt collection after 6 yrs that they no longer can. When judgement came in XX/XX/XXXX. I failed to respond due to mother being diagnosed with XXXX at that same time and it completely slipped my mind. Now XX/XX/XXXX they have filed to garnish non wages meaning attach my bank acct. I have no idea first off what debt this is for at All. Secondly how can they come after me after statue if limitations had expired. I need help on what to do to stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 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: FL

Complaint narrative:
Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through XXXX Department of Education. I reported it to all 3 credit bureaus, FTC.gov and XXXX and sent in the requested documentation to XXXX. Equifax informed me today that they are not resolving my disputes and it will not be removed from my credit report, as XXXX states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I purchased a bike at Zero percent interest for 12 months from XXXX XXXX   and is XXXX XXXX  XXXX  total is {$2100.00}. Then XX/XX/XXXX, I purchased another bike and the terms were 6 % at 36 mos and the total was {$2900.00}. So, I made payments in XXXX, XXXX and XXXX of {$200.00} each month. The balance is roughly {$1600.00}. Anyway, XXXX is applying funds and fraudulently putting money, how it sees fit. I have sent them a total of {$3300.00} as of XX/XX/XXXX of an initial purchase of roughly {$4500.00} total. 
I was told in XXXX, the remainder was {$1100.00} and XXXX adjusted it to {$800.00} after paying {$300.00}. To see XXXX statement put the balance at XXXX.Once again, what is said, is different than on the statement. 
In XXXX I made a payment of {$500.00}, ( the zero percent purchase is only getting 5 % of the remainder ) as well as an additional {$350.00}. The zero percent still has a balance of {$700.00} and is threatening to charge me {$750.00} if not paid for by XX/XX/XXXX. The rep stated in XX/XX/XXXX, the remainder was {$670.00}, statement arrives with different numbers. 
I have called them twice in XXXX, four times in XXXX. 
Every month they manage to lose {$20.00} or more on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29 00:00:00
Product: Debt collection — Credit card 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Been trying to speak to credit bureaus to dispute portfolio recovery but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you

Company response to consumer: Closed with explanation