vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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: MD

Complaint narrative:
Experian sent email stating that " -- -- --, your dispute results are ready. 

Good news! Your final dispute results ( report no. XXXX ) have been posted. Please sign in to see them and confirm all changes. 

If you have any questions, feel free to reach out to our team at ( XXXX ) XXXX ( Mon-Fri :  XXXX-XXXX PST, Sat-Sun : XXXX-XXXX PST ). '' Experian adamantly not updating the credit report though XXXX XXXX XXXX sent them the corrected information Experian 's customer service is the Worst.

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 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
Our family does not and has not had insurance since 2013. When we had our XXXX XXXX   XXXX XXXX things were tough. 

1.5 years later our budget is tight but I am trying to repair our credit in order to buy a house. 

I spoke with XXXX on XX/XX/XXXX I explained I was trying to set up a payment plan for the {$300.00} I owed for the pediatrician who saw my son upon devivery at the hostpial. Keep in mind we payed over $ 5k before leaving the hospital unbeknown that we would owe separately for the care provided. 

She said she needed the full {$300.00}. I told her I dont have that in my budget. She then preceded to tell me you are buying a house for {$280000.00}. Stunned I told her absolutely I am not buying a house and we have a mortage on our home which we bought five years ago for XXXX. She said well your house is appraised for XXXX. I told her we have been trying to sell the house and I am trying to repair our credit. She said well its not showing on your husbands credit so unless you give the full amount I have to report it on his as well. I told her I am trying to pay what I can and trying to make my debts right. She said Im not going to put a payment plan on a debt that is 1.5 years old, This is a attempt to collect a debt etc, is there anything else I can help you with. After being silent a moment I said so you have the ability to make a plan but your choosing not to. She said XXXX XXXX I am going to hang up. Then heated I told her so your making he desecion to choose another persons fate just like that, when Im offering you the little money I do have, your not going to take my money, I told her she is a terrible person and after that she said okay I am hanging up now. 

My husbands income has reduced since buying this home. He is on a salary of XXXX monthly. Our mortage is XXXX a month, electricity between 200-400 water, cellphones {$280.00} limited out credit card minimum payments weve been making for the past 3 years ( which shows on our credit ). My husband drives 100 miles a day plus tolls which is $ 680 monthly. We literally have between 600-700 left over for food, my gas, diapers, etc a month. I am trying to budget {$100.00} of that to spread out with our outstanding debts until we can sell this house pay our debts and have our credit in good enough shape to buy another home. 

I do not know XXXX last name but she is the only one who handles the debt collecting at the office she works for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Amex platinum delta credit card has a refer a friend program where if you refer someone and they get approved, you are entitled to receive XXXX  bonus miles. Back in the first week of XX/XX/XXXX ( Amex has the exact date ) i referred my wife by sending her the link provided from americanexpress.com in the email. She clicked on the link and applied for the card, she was approved right away. Couple of days went by and i did not see the referral miles show up in my account. I called Amex and they said it takes about 6 to 8 weeks. I called multiple times after a few weeks and then was told the same story. After a while, i decided to open up a complaint with Amex about this issue and escalate it. They opened the complaint ( Amex has the exact date ). Ever since then i have been calling Amex and they are saying that they are still reviewing, It has been since XX/XX/XXXX that i have been calling Amex and they have not issued what i am entitled for. To everyone who is reading this, i have been a member of Amex since XX/XX/XXXX and i urge you to stop your business with Amex as at this point they are in the very shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a security freeze in place with TransUnion. There was a 'temporary lift ' placed on my credit freeze that I had never authorized. I'm a victim of Identity Theft and a person was able to apply for a credit card with my information as a result of this temporary lift. Every time I try to remove the lift online, I'm told I have to call them. When I call them, they deny there is a lift on my credit freeze, however, I insist there is a lift because the information on my online account shows there's a temporary lift and an identify thief was able to submit applications for a credit card. 

After speaking to several TransUnion reps, they keep insisting there is not a temporary lift.

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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
My wife and I have a mortgage on our property and the loan is serviced by Ocwen. We received a notice from Ocwen stating that by law they are required to cancel PMI payments when the amount we owe reaches 79 % of the value of the home. We started paying off our loan on XX/XX/XXXX. We put down an additional {$10000.00} on XX/XX/XXXX and the amount we owed on our home was {$130000.00}, original value of our home was {$170000.00}. We owed 77 % of the original value of our home on XX/XX/XXXX. Since then Ocwen has been charging us PMI payments of {$29.00} every month. Ocwen refuses not to remove PMI from our loan and refuses to return the 19 months of payments we have made which total {$550.00}. We need help getting our money back and also getting Ocwen not to charge us PMI when we don't owe it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I believe I'm bring improperly charged for interest. For the past 3 years, I've been on automatically debited payments, but have still been reported as delinquent. I was told numerous things, by numerous customer services reps one let it slip that my interest was being calculated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I requested a XXXX  demo of an online app but did NOT authorize opening an account and did NOT authorize any transactions to the account. I received an email today that states I have been bill approximately {$72.00}. I have not been able to contact XXXX. I did file a customer support ticket with XXXX online and have not had a response. 

Because XXXX states it is affiliated with Chase Bank by being a Chase Bank company I called Chase Bank and was told they know nothing about XXXX  and were not able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
In XX/XX/XXXX, I purchased a new vehicle through my XXXX company with a lease through XXXX XXXX via XXXX XXXX. After 3 months of owning the vehicle, the vehicle started having electrical problems with the dash and video components going blue or cutting off completely. We had the vehicle serviced and reviewed over a 5 month period continuing to make payments. After a XXXX Corporate Technician was flown in to review the vehicle problems, he was able to duplicate the problem and said the vehicle is not able to be repaired because the vehicle could not withstand a software update. Therefore, XXXX XXXX sends me a letter stating they are reviewing my vehicle for the Lemon Law in the state of Alabama. After receiving the letter and the vehicle is not able to be repaired and could be a hazard based on the electrical issue, I stopped making payments to XXXX XXXX  because the vehicle is unsafe and not operating in a manner I am comfortable to put my family in. Because I stopped making payments, XXXX XXXX  starting calling me and asking for an explanation why I was not making payments. Each week over a 6 week period they would call at least once or twice a week asking for payment and I would tell them the problem and they would tell me okay but someone else is going to call soon to ask again for payment and an explanation. Each time I would give the explanation and have the person calling to review the notes and they would say the same thing. This week Of XX/XX/XXXX, I received a XXXX Update on my credit score stating my score had dropped due to an outstanding payment over 30 days with XXXX XXXX. I feel as if XXXX XXXX and Corporation are being unfair about me making payments on a car that is unsafe to drive and can not be repaired. I feel as if they bullied me into trying to make me make payments on a vehicle they can not repair and could be a hazard to my family driving it. I will upload all files for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing XXXX XXXX acct # XXXX. This account is saying, opened XX/XX/XXXX and closed XX/XX/XXXX. This account was disputed several times within the past 2 years. Now it's well over 7yrs old from the first delinquency date of XX/XX/XXXX. Also, XXXX energy was NEVER able to provide me any information pertaining to having this account on my credit report. They could never provide the proper social, last name, correct address or any receipts that was paid by me. If they could not provide myself with the correct information. There is no way this should have ever been able to be on my credit report ruining me. Also, this account is past statue of limitations. While it is easier for Transunion to tell the consumer it was verified is beyond me when in reality it was not. Why? Because they could not properly verify anything to me, the consumer. Transunion fails to realize that credit is important to some of us which includes myself. I think it is unfair and illegal to tell a consumer an account has been properly verified when it actually was not. Especially when the company could not even verify correctly with the customer. This is AGAINST THE LAW and very shady!!! I work very hard and take care of my responsibility because I know credit is very Important. And to depend on the credit bureaus to do there job accurately just to see first hand that that is not being done is disappointing.

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 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have TJX REWARDS MASTERCARD XXXX that the last time I used It was 2 years ago, on XX/XX/XXXX, I received an email indicating I need to make payment for {$2400.00} I disputed the transaction as fraud and TJX closed card and issued new one and credited the {$24.00}, but on XX/XX/XXXX I received an email account requires attention after calling TJX, It seems TJX transfer $ 24+ {$25.00} late fee $ xx interest but after reviewing the history with customer service of old credit card and the new cards all fees were removed except {$2.00} but the damaged was done it seems TJX collection reported me to credit bureaus that i was late and my credit score from above XXXX reduced to XXXX, XXXX and XXXX and XXXX XXXX reduced my credit limit to {$500.00} and after getting my credit report, TJX reported me to credit bureaus ( all ) that I was delinquent, it seems collection did not review notes on old credit card I have mortgage, credit cards and car loans for over 30 years and never been late, this is devastating.I am XXXX years old and now I have to pay higher interest rate for this errors and now Im considered as high risk so please help to remove the negative reporting in my credit reports from XXXX , XXXX and 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 2018-02-02 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
I first filed for a grant and was given a loan instead. When I started making payments I explained that I am on SSI and have very limited income. I am struggling with my choice as a single parent of XXXX XXXX with XXXX I have to decide to pay rent or pay my loan. I owe a little over {$3000.00} and sadly, only make payments when I can if I can. When I make that payment of possible, I then can't get perscriptions, things my daughter needs, or pay other bills such as electricity. I'm not sure if I qualify for any programs that can help students. I have XXXX and this struggle makes it a not more difficult to either pay rent, buy food, or get other necessities needed. I don't know what else to do and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
cra violation inaccurate information sent police report and idtheft

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 2018-02-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance.  Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX  during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations.  NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX".  NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX  payoff on XX/XX/XXXX.  We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report.  Thank you kindly,XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to Ally Financial. When I turned the vehicle in, the balance was and had always been paid in full, except when Ally refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to Ally but they are still reporting a negative account on my 3 Credit Bureau Accounts.

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 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Updated tradeline XXXX XXXX XXXX  XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

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 2018-02-02 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: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
cra violation inaccurate information sent police report and idtheft

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

Complaint narrative:
cra violation inaccurate information sent police report and idtheft

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 2018-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
a ) My monthly payment is $ XXXX/mo.

b ) I pay my own taxes and insurance. 
c ) I issued advance payments for {$1700.00} each covering thru XX/XX/XXXX. 
d ) Shellpoint has my account past due/foreclosure/default for {$28000.00} ( approx ) as of XX/XX/XXXX. 
e ) On XX/XX/XXXX, I issued two payments ( {$3500.00} tot ) for {$1700.00} each by mail since I could not issue an auto/electronic payment since they have the account in " default '' status. 
f ) Shellpoing has stated the last payment was received on XX/XX/XXXX covering thru XX/XX/XXXX. 
g ) Shellpoint has added " forced lender insurance '' for {$5500.00} for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There's a hard inquiry on my credit report I'm terrified of Airplanes I'm for certain I didn't apply for a credit card to receive discounts to fly the compay is XXXX XXXX and also I have closed student loans on my account that should be removed or i would like for them to be removed as well

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 2018-02-02 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I've tried on more that one occasion to do a service cancellable loan and each time that i'vover XXXX e applied I have been told that i don't qualify. I've been XXXX  more that 20 years and i would like to retire one day.

Company response to consumer: Closed with explanation