vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: COMMERCE BANK
State: UT

Complaint narrative:
I received a mailed promotion from Commerce Bank in  XXXX  for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By  XXXX   XXXX , I had reached over {$500.00} in spending. As of  XXXX   XXXX , I still have never received the {$150.00} credit.     I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I got a loan in a  Furniture  store for my goods.   XXXX   XXXX   is the lender. Some terms in the contract were not clarified by the salesmen and finance company. like payment is twice a month and the amount of interest in the account is extremely high ; if the purchase was {$1000.00}, but total to pay off is around {$2100.00} ; it is the double for interest of original finance, this was not clarified at the time to sign, not include a discrepancy when pay if my payday is on  XXXX  and  XXXX  ; They put it in contract twice and the interest increase another %. By today (  XXXX  ) I have paid a total of {$1500.00}. Also I do n't have a clear chance to check my balance. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
I had cell phone service with  XXXX . I cancelled my account and was sent a final bill. I did n't pay the final bill. I do acknowledge that I owe  XXXX . I have tried to pay the amount I owe with the credit collection company  ( S.W Credit systems ).  They are telling me I ca n't pay the original amount I owed anymore. They are wanting me to pay for charges I did n't accrue.  XXXX  continued to charge me even though I had switched to another company. I have disputed this account before. It was then removed off my credit report. Now  XXXX  has sold the account to  SW  credit system. This is illegal. I feel like  XXXX  keeps a saying that the debt and/or issue is resolved and then they sale the debt to another collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On   XXXX     I applied for my free credit report and was denied twice, the first being some hippo code and second was insufficient documentation.

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 2017-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
When I originally called  Rushmore  to ask about getting my   Property Mortgage Insurance removed, they claimed that the only method to get it removed was to have an appraisal done on my house. However, according to the federal Homeowners Protection Act, this should have been removed automatically when the principal balance reached 78  percent of the original value of my home. According to my mortgage statement from Rushmore dated  XX/X/XX , I met the 78 percent threshold before I even requested the PMI to be removed.
In addition, after Rushmore received my authorization for an appraisal to be conducted via fax on   XXXX   XXXX   XXXX  , they failed to actually order the appraisal until   XXXX   XXXX   XXXX  . I believe this was purposely delayed to keep me paying the PMI since Rushmore benefitted from this insurance which seems to be a conflict of interest. I had to call three  times after   XXXX   XXXX   to ask for updates and only after I requested to speak to a supervisor on   XXXX   XXXX   did they finally admit that I had already submitted the authorization for appraisal and that the appraisal should have been done weeks ago.
Rushmore has failed to be transparent during this entire process, and as of   XXXX   XXXX  , has placed a cease and desist hold on my account stating there will no longer be an type of verbal communications, outgoing calls or written correspondence except as otherwise required by law. When I requested phone transcripts of my calls with Rushmore and more information regarding how the process to remove my PMI should have taken place, they refused to offer this information. They have refused to even tell me how much my home appraised for after requesting this via phone call on   XXXX   XXXX   and in writing through their secure message portal. The cease and desist hold seems like their form of retaliation against me and also a way to intimidate me as the consumer.
After my call to Rushmore on   XXXX   XXXX   I was promised a follow-up call with a supervisor to ensure my request was moving forward. I did receive a call on   XXXX   XXXX   at   XXXX   EST   but was unable to answer. The left a voicemail promising a return call in 30 minutes but I never received one or was given a number to contact this person back specifically. This was just another moment in which Rushmore  failed to deliver on what they promised me. This also includes them failing to respond to provide recordings or even phone transcripts of calls I had them that I had also requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Financial Consultants, Inc
State: KS

Complaint narrative:
I have been getting harassing phone calls and letter from  Executive  financial About a bill I had no clue about. I do n't go to  XXXX  usually and the time I did I had insurance. I spoke with a representative at Executive financial and explained to her that during the period this bill was generated I had insurance. She said that part of the bill was paid with insurance and the other part was n't and it was to late. I have   XXXX   XXXX   through the state. I was under the impression that all my medical bills was being paid. The representative said that after a year they can no longer send them back to the insurance company. This mistake on  XXXX  medical center has cause me so much grief, stress and heartache. I almost lost my house because I could n't get a loan because this debt is reportiong to my credit. Somebody over at   XXXX   medical center dropped the call and my bill was n't submitted in time to get paid within a year. I have spoke with several ppl in the office and I do n't get any resolution. I want this debt removed from my credit report. I went to the doctor and gave them my insurance information and they did n't submit it to  XXXX . Then almost 2 years later they RUIN my credit. I even called the company and asked for a fair payment arrangement and to have it removed until I pay it considering I NEVER KNEW ANYTHING about the bill not being paid. I thought my question for assistance was fair. I was n't treated fairly. I was n't treated like a consumer that lives in the same society as the collection company. I really would need to have this derogatory incorrect information off my name and my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX XXXX, 2017, due to a error with a balance transfer I ended up paying the total balance owed twice resulting in a credit of {$9000.00}. After an interest charge, my final credit on my card was {$8900.00}. I contacted Citi Bank on XX/XX/XXXX, and requested that the credit be returned to my checking account. I was advised that this would take 3 to 5 business days. By XX/XX/XXXX, the money had still not been transferred. I again spoke to Citi who this time advised me that this would take 7 to 10 business days because the credit balance exceeded {$1000.00}. I would like to understand why Citi bank is allowed to sit on my money and why I was misinformed as to when they would return my money. My frustration is exacerbated by the fact that they had the credit balance for 7 days prior to me calling on the XX/XX/XXXX. If I am late by an hour, I am charged a late fee immediately. I do n't understand how they can keep almost {$9000.00} of my money for over 2 weeks.

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 2017-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One still has this information on my credit report according to XXXX XXXX, i called the customer care XXXX XXXX, XXXX while i was working and they said it would be removed that they would contact XXXX and file a complaint, yet they told you that i didnt provide a correct address??? have them be advised i have the phone conversation recorded and will use that as proof. thats a lie, this capital one statement is over 18 years old and should of been removed CAPITAL ONE Credit Card XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$1100.00} Term -- Monthly Payment -- Responsibility Individual Account. Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Consumer disputes after resolution Payment History Latest Status : Current No payment history has been reported by this creditor. Credit Utilization* 0.00 % See something wrong? You could dispute an error with XXXX. *Calculated using reported balance and credit limit on account. its still there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never lived in  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 2017-05-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have tried to resolve this issue with Experian and  XXXX .   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my  XXXX  and Experian credit report for   XXXX   XXXX   It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that  XXXX  and Experian seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.

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 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I attended a College called  XXXX   XXXX   XXXX  in  XXXX , GA in Fall of   XXXX  . To get my tuition covered I took out a couple of   XXXX   XXXX   that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school.  XXXX   XXXX  sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my  XXXX . So, I am very confused how  XXXX   XXXX  is saying I owe  XXXX  dollars and release my transcript to continue school. When I stopped attending  XXXX   XXXX  there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of   XXXX  . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX  t Date   XXXX    31,2012 Amount   XXXX  This was taken to court. I had no idea the debt existed until I applied for a personal loan. I then contacted   XXXX   and that 's when I was told by them it was in collections and what it was actually for! Do I have any rights here? I was never notified of anything. I happened to stumble across it! They will not take a settlement or anything and even though I do not feel I am soley responsible for this debt I would like to rectify it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Dispute to  XXXX    The terms proposed by Ocwen/ XXXX  are unacceptable and do not reflect the current market. Per my original CFPB complaint  XXXX , they also do not align with the policies and procedures as setforth by Dodd-Frank Wall  Street  Reform and the Consumer Protection Act. This is absolutely ridiculous that  XXXX  would wait this long ( since   XXXXXXX   ) to give the same offer ( {$40000.00}  Cash  Contribution or {$80000.00} promissory note ) and we up the sale price by {$22000.00}. Our counter offer needs to be discussed ASAP as we have a ratified contract and a buyer that has been patiently waiting. Can you setup a conference call with Ocwen/ XXXX , preferably with someone who has the authority to approve our counter offer on the spot? Do you have any suggestions how we can escalate this matter? What are our other options? I ca n't see how foreclosure would give Ocwen and   XXXX   a better deal. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: TN

Complaint narrative:
I have tried to resolve this issue with  XXXX  and Transunion.   XXXX   has deleted the incorrect entry on my credit report. There is an incorrect entry on my Transunion and   XXXX   credit report for   XXXX   XXXX  . It 's showing a charge off for {$19000.00}. This is not my credit card. I have provided all  XXXX  credit reporting agencies proof that this account did not belong to me. Only  XXXX  did the proper thing and delete the wrong information.     It sickens me that Transunion and   XXXX   seem to be comfortable with knowingly reporting inaccurate information on my credit files. It almost makes me feel like they have something to gain by neglecting to do what 's required by law. Otherwise, I do n't understand why they have n't erased the entry. I never applied for that card, never signed a contract for the card, yet its on my credit report and they refuse to take it off even after I have proven to them it 's not mine.     If it continues to remain on my report 15 days after they receive this complaint, I will file suit in small claims court for damages as outlined in the FCRA.

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 2017-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: MN

Complaint narrative:
Due to my financial burden I would like to maintain my rate of payment for the next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I took out a private loan with   XXXX   XXXX   /  Navient  in  XXXX , it totaled to {$3900.00}. I attempted to arrange a payment arrangement with them, as I have a federal loan that now totals  XXXX . They would not work with me unless I paid them the money they requested, I remember trying to make a {$50.00} payment because that was all I had and they would n't accept it. I could not make large payments to them and pay for my federal loans. It ultimately went into collections.     It appeared that I would have better luck with them, although they told me the amount was around {$6300.00}, which was far more then the initial amount. They asked for a lump sum amount to bring it current. I was willing to do that at the time, I made  two  payments of {$500.00} (  XX/XX/XXXX    and  XX/XX/XXXX    ). Which I thought brought the balance down to {$5300.00}. I have been making payments towards this debt since   XXXX  . In total I have paid {$1800.00} towards this debt  (  {$1900.00} on   XX/XX/XXXX   its automatic withdraw ).     I have been trying to improve my  credit score , so I recently ran my  credit score  and saw that the debt was not as low as I thought it was. When I realized this I contacted the agency, only to find the debt had been given to another company. I was never notified or contacted about the changes and they are claiming I owe {$6000.00}. They told me I needed to contact Navient about the debt being on my credit report and the amount that the loan was. I called  Navient  and they told me that I need to contact the  credit collections  agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Opened up a Comenity Bank Virgin America Visa Credit Card. Original terms of the agreement say that I am eligible for a  XXXX  $ statement credit with my first purchase. It has been about 3-4 months since I opened the card, and everytime I call customer service I do not get a right answer. Please contact the bank to process the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I reviewed my credit report on   XXXX   XXXX   XXXX  , via  XXXX  and found a Capital One Credit card account on my   XXXX   and  XXXX  credit report, however I never applied for the card in question, which list the account status as " account relationship terminated '' Date opened    XX/XX/XXXX    ; amount {$560.00}, this account is listed as in " good standing '' and " paid as agreed, '' however I did not authorize this account to be opened up in my name, or listed as an authorized user, or cosigner. I have not received a response back currently from  Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
My monthly payment has been  1  percent since the loan started, over  XXXX  years ago, they stop my billing statements for about   XXXX    months, then i got a statement   XXXX   XXXX   XXXX   my balance is  XXXX  instead of my normal payment of  XXXX , they raised it to  XXXX  When i called  XXXX  guy said my interest rate changed, he lied.Another guy said they made a mistake on the loan and i owe more and a adjustment was made, they kept making up excuses.  XXXX   XXXX  recently purchased another loan I have, they started over billing me also  US  bank and  XXXX  loan are the same companies.

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