vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
i Company placed the debt on my credit report as a collection agency as I have already explained to original debtor and they agreed was not my debt. Contacted collection agency very rude tried to explain to them not my debt stated did not matter would not remove it off my credit. Even offered to pay the balance not being me still stated that will not move off my credit report. The young lady was very rude and treated me as if I was some kind of trash off the streets. I will be forwarding to my attorney for violations of FDCPA and the federal trade commission as well. It is a shame that only do I have o spend money for illegal credit reporting but also waste my time

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been a BBVA Compass Credit card holder for about a year and in XXXX and XX/XX/XXXX, I made some early payments with the thought of covering my upcoming big credit card charges. 
BBVA put a freeze on my card due to large credit balance. 
I contacted the bank multiple times in XXXX to allow me to process charges. Their customer service said there is nothing wrong with credit card and I can use it. But whenever I tried to use in stores, I get a decline. 
I made an over payment of {$11000.00} Tired of my money getting blocked, I asked the CSR if I cancel the credit card, will they refund the credit balance and the CSR said yes. Hence, I went ahead and cancelled the card in XXXX. 
But I still did not get the refund. 
After numerous calls, in mid-XXXX XXXX, they said they sent me a check. My online statement showed a line item as 'Credit Balance Refund ' of {$11000.00} on XX/XX/XXXX but I never received a check. 
I continued to make the calls. In XXXX, I was able to speak to one representative XXXX who was the only CSR out of 20+ reps I talked who was at least tried to make an effort to resolve it and he gave me his extension. 
He said that they sent the refund to 'Check Free ' who I used to send payments from XXXX XXXX bill pay service. But they were unable to provide me any tracking number. 
When I contacted check free, they could not find any refund and they asked for tracking information. 
BBVA has no tracking number, no details other than saying they sent the refund to Check free. 

1. I made 50+ calls, talked to 20+ people at BBVA and spent 50-80 hours either talking or on hold. They do not have any call logging or conversation tracking system. No one has any idea about previous history. I do not understand how a bank in XXXX has no call logging, no trace or money transfers and still exist as a financial business. They should be shut down long time back due to lack of these basic features. 

2. My money is blocked for 6+ months and they are not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion stated verified but is reporting alleged account 2 times on credit report violation, XXXX XXXX XXXX and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT XXXX XXXX and transunion ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.

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 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX - reporting on my XXXX report XXXX - XXXX - reporting on my Transunion report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-02 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In 2016, I had a mortgage on a rental with Nationstar Mortgage. Payments were made by my agent with money orders. In XXXX he sent two money orders in one envelope. Nationstar cashed one and lost the other. He and I worked diligently and in good faith for months trying to get the lost money order applied. Nationstar told us, for months, not to send another money order. We have dates and times of voluminous email messages from Nationstar and tape recordings of some calls. 
Nationstar was not dealing in good faith. They started applying payments for subsequent months to the 'delinquent ' amount. This resulted in subsequent months being delinquent. However, I was never delinquent in payment. The only funds missing was the money order Nationstar lost. We even sent them copies of the money orders. 
It became so stressful I finally sold the rental. I even sent Nationstar additional funds to cover those that they lost. Technically, they owe me money. However, all I wanted was to close the account, so I told them I would not make any claims if they would just fix the credit. 
They failed to do so. I initiated claims with Credit reporting agencies and they still refuse to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I upgraded my XXXX XXXX card in XX/XX/2018 and was told by the agent who did the upgrade my anniversary date would not change. It turned the agent was giving me the wrong information in order to upgrade the account. XXXX   changed my anniversary date from XX/XX/XXXX to XX/XX/XXXX without my consent! XXXX has the recording of the agent who was misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Capital one owes me points accumulated on a credit card which were going to be used in order to pay the credit cards balance. Instead the company closed the account suddenly without warning and sent the account into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: MA

Complaint narrative:
Fedloan Servicing is the biggest joke of an organization. They have lost or " mishandled '' any of my submitted paperwork. They have miscalculated my income MULTIPLE times even after I spoke with them to fix the problem, they have given my misleading/false information about everytime Ive called them, and they dont seem to comprehend law enforcement income. I have spoke to Fedloan Servicing about how overtimes and details are not guaranteed money and can not be reflected when determing a new year 's loan payment. I have spoken with them plenty of times how I am not guaranteed to make said money and how I base my payments on my base pay. Every time I explained to them said information, it goes right over their head. And when I ask to recalculate they tell me my loan may suffer more interest payments because of it, and in turn my credit will be effected. How this organization is so daft is beyond me. I am being penalized by doing the right thing and being honest? This is absolutely unfair and so unprofessional. I tried signing up for income driven, public worker student loans and theyve " mishandled '' my paper ( aka lost it ) twice already. How can I trust them? Short answer I cant. They are stealing my money and pretending theyre blind with incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXXl - reporting on my Equifax report XXXX - XXXX - reporting on my XXXX  report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: GA

Complaint narrative:
There are several items reporting on my credit file that does not belong to me. I need your assist in getting these items removed. The following items is reporting on my credit report as a result of fraud : XXXX XXXX   - reporting on my XXXX report XXXX - XXXX - reporting on my XXXX report Unauthorized Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX DE XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-02 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX stated verified but is reporting alleged account 2 times on credit report violation, XXXX Profolio recovery and XXXX bank fail to respond to documents requested stating they do not have to send them false enclosed AFFIDAVIT OF FAULT Portfolio recovery and XXXX ten days to respond back or any alleged obligation they think we have is null and void there after reporting without validation is a violation actual documents not hearsay paper work thats your opinnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX  of last year XXXX I took a loan out for a XXXX XXXX which was XXXX and was suppose to have an interest rate of 7 % the loan terms was I was suppose to pay XXXX a month for the 1st year and after the first year my payment was to drop lower. I paid them XXXX a month for the whole year payment didnt drop. I called capital one about this spoke to a customer service rep and they basically stated this is what not stated on the contract, you have to contact the company which sold you the car which was federal auctioneers which Is operating under multiple DBA this cause me to check the bill of sale amount and the amount they have on the contract which capital one refuse to provide to me. They only provide me with the amount of sale over the phone and the amount they provide for me over the phone does not add up to the bill of sale receipt which the car was sold for. I was only provided with a bill of sale no contract. The amount the car was sold for should be what the car was finance for plus whatever addition fees that comes with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
I sold my home and escrow wired a payoff to XXXX   via loancare. The wire was confirmed received on XX/XX/XXXX. On XX/XX/XXXX XXXX took out another mortgage payment from my checking account and then transferred my loan to another servicer, XXXX. I called XXXX to ask why was another payment taken out after my loan had been paid off the previous Friday. They said they only show the payment was received and that the loan was transferred. I then called my escrow company and they said the wire was not returned. I then called XXXX and they said they have no info of my loan to call back in 7 days. I am now missing $ XXXX approximately of my payoff monies, an additional {$1900.00} out of my checking account and my home is no longer in my name. I am sure RESPA requires XXXX to account for the monies that were wired to them on XX/XX/XXXX. XXXX refuses to provide me any info and simply tells me to call XXXX. No one knows where the $ XXXX went. I would believe this is in violation of RESPA law whereby servicers are required to account for all monies and be transparent.

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 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I received a {$1000.00} loan onXX/XX/19 from Big Picture loans. I have made three payments of {$170.00} onXX/XX/19,XX/XX/19 and XX/XX/19. My principal balance as of today is {$1000.00} - MORE than borrowed in the first place and that's after three payments!

I began looking into it and I was informed that Big Picture Loans is not licensed to conduct business or offer loans in my State and that the fees and interests are not within requirements for Washington State lenders. Per the Washington State Department of Financial Institutions ( DFI ), Washington State residents are informed that Washing State law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington State is uncollectible and unenforceable in Washington State.

I contacted Big Picture Loans on XX/XX/ revoking ACH authorization and also contacted them againXX/XX/19 notifying them that they are not licensed in my State. I advised that I am willing to repay the principal balance of the original loan amount. Noting that with three payments of {$170.00} already made, I had paid {$530.00} leaving a balance of {$460.00} which I am willing to pay in one sum on XX/XX/XXXX. 

The company responded to this with the following " settlement offer '' : Settlement Offer Current Amount Due : {$1000.00} Number of settlement payments : 8 Settlement Payment Schedule : {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 {$120.00} XX/XX/2019 Payment Method : ACH This is still paying back far more that loaned at fees/interest that are unacceptable and not legal through the State in which I reside and whose laws I am bound to in addition to federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received a collection from Credit Control which brought I debt from XXXX XXXX XXXX XXXX who brought the debt from XXXX XXXX XXXX. XXXX XXXX is the originator of this fraudulent credit card which I have went to court in XX/XX/XXXX and received a dismissal on. This account is fraudulent and supposed to be closed out however it keeps on being sold. This is illegal. I have attached my report that I received from Portfolio that proves this. This is a XXXX   XXXX account that been determined as fraud. I am a victim of identity theft and this needs to be removed immediately. The original balance was stated at being XXXX however with fees is showing of {$560.00}. I did a police report in XXXX when all this started happening.

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
applied for a XXXX XXXX XXXX through Chase. Was told due to bankruptcy 7 years ago, I was denied. Asked to speak to someone to further investigate. Was told bankruptcy again and I called XXXX due to the fact it was 7 years ago. I have a credit card and have charged and paid current over {$300000.00} dollars and my credit is very good. Then was told that it was due to me naming Chase in my bankruptcy 7 years ago. I have my home mortgage through Chase and asked my branch manager where I bank to help and was told Credit Cards is  like their own company and She couldn't help. The great depression of XXXX was caused by the banks, not me. Can Banks be vengeful when issuing Credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: NC

Complaint narrative:
I HAVE TRIED ON SEVERAL OCCASIONS TO GET THIS MATTER OF BANKRUPTCY RESOLVED WITH EXPERIAN CREDIT BUREAU AND CAN NOT GET THEM TO VALIDATE NOR VERIFY THE INFORMATION THEY HAVE ON THE BANKRUPTCY ON MY CREDIT REPORT AND ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY. ALL I WANT THEM TO DO DO IS SEND ME SOMETHING WITH MY SIGNATURE VALIDATING OR VERIFYING THAT THIS MY BANKRUPTCY, THEY WILL NOT, I HAVE SUBMITTED A COMPLAINT BEFORE DATE XX/XX/XXXX COMPLAINT NUMBER XXXX PLEASE USE THE ABOVE COMPLAINT DOCUMENTS IF NEED

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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX/Synchrony Bank improperly installed defective alleged water-resistant laminate flooring in three rooms of my home. Immediately after installation I noticed raised areas on the newly installed flooring which were very noticeable and unacceptable. I notified XXXX immediately via their Chat feature on their website. At this point I re-thought the my initial observations of the raised and warped areas on the new flooring. I had applied blue painters tape on top of all areas which appeared to be non-congruent with the rest of the flooring ; ie : the raised areas. As the days and weeks passed, I observed the slightly raised areas increasing in size in all directions. I noticed the areas where the boards were butted up against each other were becoming more pronounced and noticeable. By XX/XX/XXXX the raised and warped areas of the flooring had grown to a stage that I could no longer dismiss them so I contacted XXXX and explained the situation to them. XXXX sent an inspector out to look at the flooring in my home on XX/XX/XXXX. I believe his name was XXXX. XXXX agreed with me that the flooring looked warped and damaged and improperly installed in some areas. XXXX told me that rectifying these problems can take up to a year or more. I contacted the finance company, Synchrony Bank and advised them that there was a large problem with the flooring. All of the flooring. I told them that there was no part of the flooring that was any longer acceptable and that I was not going to pay one more penny for the flooring until the matter was resolved. I also told them that I wanted to have the entire flooring removed from my home and all of my money returned to me. XXXX advised me that I would still be charged interested and be obligated to pay for any portion of the flooring that was not in dispute. I explained to XXXX that the ENTIRE floor was in dispute and that no further payment would be made on the account and that, in fact, I wanted any money that I had already paid for the flooring returned to me in full. On XX/XX/XXXX, I received a phone call from a debt collector, XXXX XXXX, regarding this account. XXXX from XXXX conveyed to me that Synchrony Bank had turned my account over to a debt collection agency, therefore damaging my credit. Additionally, XXXX began charging late fees and ongoing interest against my account without my knowledge or permission and against our verbal and written agreement once the problem was discovered. They continue to take collection measures against me

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