vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I fell behind on my mortgage about 9 months ago due to a decrease in my income as I am a small business owner. Unfortunately it was difficult for me to get caught up but now I am in the position where I can confidently pay my mortgage and have the support I need. My loan was transferred to M & T Bank and they never reached out to me to offer me help, they never assigned a specialist to my loan or attempted to inform me that there are alternatives to foreclosure, I found this out by doing my own research online. I feel as though I was treated unfairly and that my rights have been taken away from me as a homeowner.

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 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Service Company, INC
State: CO

Complaint narrative:
I was contacted by CSC for billing issues with a hospital. Briefly the hospital said they would discount the bills if I paid " quickly ''. They then said to wait to pay the bills to allow it to work it's way through insurance. When it finally did, they said they would not discount it because I had waited. 

They also had bills for services which I did not request and I specifically told them I did not want. 

On XX/XX/XXXX, I notified the company in writing that they needed to stop the harassing phone calls. They continued with them : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX I told the person on the phone that I had requested they only contact me in writing. She said they had no record. 
They continued calling ... I am requesting records from the phone company. 

I called ahead to let the hospital know I was coming in for XXXX XXXX ( per a different clinic ) I arrived. While waiting for the XXXX the ER XXXX came in and told the nurse to get some XXXX XXXX. I handed her a disc and said " these were just taken, I do not want more XXXX ''. She took the disc. The XXXX dr did not do one other thing to justify any billing. She sent the radiologist in and they took XXXX. To justify billing she went against my directive and took XXXX which were not needed. She was in the room for approximately 20 seconds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
After attempting to obtain credit on an auto purchase, I received a letter in the mail stating the application had been declined in part due to my XXXX score. I have a 700+ FICO score with the major three reporting bureaus, but have never even heard of this company. Per their website a freeze/copy of the report can be obtained over the phone or by faxing or mailing my sensitive personal information ( SSN/DOB/Copy of ID etc. ) to them. After attempting contact at the number provided per their website, I was notified this can only be completed by sending the below. I am not comfortable with this, additionally their website is misleading as it states, " If you would like to request a security freeze, you may ( 1 ) call us at ( XXXX ) XXXX, or ( 2 )  submit a signed, written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. '' Your first name, middle name, last name, suffix ( if applicable ) Your current address including ZIP code Your current phone number with area code Your Social Security number Your date of birth ( month, day, and year )

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 2018-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Security National Automotive Acceptance
State: AZ

Complaint narrative:
I have attempted to make payment arrangements with Security National Acceptance Corp. However, they refused to allow this to occur. They were very condescending. Also, I attempted to trade in this vehicle as it does not fit my family 's needs due to my child 's XXXX, however I am unable to because as I've made 18 months of car payments and yet my loan continues to get larger rather than smaller. I don't feel like I'm making any headway into paying this loan off. The other finance companies will not finance me due to this loan being so large and the amount owed not getting smaller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.

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 2018-06-14 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: NJ

Complaint narrative:
THIS IS NOT MINE. EQUIFAXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Commercial Credit Counseling Services Inc.
State: GA

Complaint narrative:
I contacted Commercial Credit Counseling Services , Inc. dba XXXX XXXX ( XXXX  ) in XX/XX/2018 when I was having trouble paying my business debt. I never missed a business debt payment and wasn't late. However, I was told that they were expert negotiators that could get my business debt settled for a fraction of my balances and " buy me time '' and free up my cash flow. The sales person told me that they charge a total of 2 % of what I owe my creditors, plus 30 % of the difference between what I owe my creditors and what they settle the debt for. I was told that the settlements would be structured over a 5 year period from the time settlement was made with each creditor. They were going to do ACH debits weekly in order to build up a balance in an account they held that was to pay settlements in the future. It was very important that I build up my account with them so the funds would be ready to make deals with my creditors. The representative from XXXX  told me on the phone to stop paying my creditors to open a new bank account and to pay XXXX  directly. 

One month later XXXX XXXX informed me that they " settled '' with one of the creditors. The amount owed to the creditor was {$39000.00}, XXXX  settled for {$27000.00} a 30 % settlement. However, the payback is {$450.00} for 60 months to the creditor. The fee to XXXX for this service is {$390.00} for 60 months + {$15.00} for each monthly transaction + a one time fee of {$3000.00}. Grand total payback to XXXX is : {$27000.00}. 

How is this legal? I hired them to settle a debt for me, not increase a debt by over $ 15K. This is a simple case of fraud. 

In reviewing my emails from XXXX, they purposely avoided using certain words ; however, the phone conversations were quite different. I was misled and lied to. I understand why several states including Indiana, and Oregon has issued this company ceased and desist orders. 

I am canceling the agreement I have with XXXX  and requesting the full refund of every dollar I paid them. I believe and can prove that their deceptive practices void the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
My spouse and I contacted Quicken Loans for refinancing our current mortgage. We were told that we could only qualify for an FHA loan. They were very pushy about collecting the {$500.00} appraisal fee and warned us that their offer would expire if we didn't pay soon enough. We contacted another lender and were approved for a conventional loan. When we contacted Quicken and told them we were approved with another lender and did not want an FHA loan, they initially said they would review our information and see what could be done. They contacted us again and told us that " no one '' would do a conventional loan because of the small amount ( $ 50K ). The woman LAUGHED at us and said " Well if they ( the other lender ) think they can push this though as a conventional loan, more power to them, but don't be surprised when everything falls apart at the closing. '' We closed with the other lender without any problems. This is predatory lending and pressure tactics, people need to know what Quicken is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX is reporting an incorrect BALANCE on my XXXX credit card and an INCORRECT CREDIT LIMIT on my XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I have lost my income, and my First Citizens Business Credit Card is long overdue. On XX/XX/2018, First citizens Bank called my in-laws and left a message about my uncollected debt.

This is unacceptable. I have never lived with my inlaws or listed their number as a way of contacting me. They must have found this information with a XXXX search of my next of kin. I do not want my inlaws involved in my personal financial business. This is a serious breach of confidential information, and it is harassment. 

What can I do to stop these calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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: NJ

Complaint narrative:
THIS IS NOT MINE. XXXXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXXXX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}

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 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX has refused to accurately update my credit score. Over the past 6 months, EQUIFAX has refused to accurately update my credit file and all of the incorrect, negative information dropped my credit score in XX/XX/2017. Equifax was provided correct information, they still refused to accurately update my credit score back to the high ( A-B ) status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received an unsolicited postal mail, and subsequently an additional " Don't Miss Out '' mailing, with an offering of a Citibank AA Platinum Select Credit card with a unique invitation number attached on XX/XX/XXXX with an expiration deadline of XX/XX/XXXX. XXXX bonus miles after requirements met, etc. 

THOUROUGHLY read every word on every side of the tri-fold mail piece and especially the terms and conditions and ALL fine print. Went to the referenced application website and put in the invitation number. Application form pre populated with the current and correct personal information. Went through the complete application process and was directed to read and acknowledge ( two mandatory check boxes ) that I had read and understood all terms and conditions and cardmember agreements. I had and did acknowledge. NO WHERE in this print and online application process does it disclose that the bonus mileage offer, of XXXX miles upon meeting the terms and conditions of {$4000.00} spent on qualifying purchases in the first 4 months of card ownership, would be NOT awarded to any person currently having, or have had, the same Citibank card within the previous 24 month period. I had heard of this from forums and blogs on the subject. I wanted to verify. 

So, prior to submittal, I further called the customer service line for Citibank credit cards at ( XXXX ) XXXX and spoke at length about this exclusion. The representative stated that this 24 month exclusion was standard policy but since the printed offer and personalized invitation number was sent directly to me, it may not apply. She referred me/transferred me to the over-the-phone application center. They said that the 9 digit invitation number did not register on their system even though it was valid on the dedicated application website. Could not answer any questions as to the omission and knew nothing of the policy. Escalated to XXXX, floor supervisor, employee number XXXX, who offered nothing further and said that it could not be escalated further. He wanted to complete the circle by sending me back to Citibank customer service. 

All this within an hour of XXXX XXXX. on XX/XX/XXXX. 

No disclosure or any mention of this exclusion anywhere at anytime in applying for this particular card through a direct solicitation by postal mail. If you didn't know it previously, you could be awarded the card, met the requirement for the bonus award, and receive NOTHING. 

Need to stop direct solicitation of previous card holders ( that Citibank had knowledge of ) with offers designed to bring them back under false, undisclosed, pretenses.

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 2018-06-14 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for this card XX/XX/XXXX. When I applied I screenshot the offer. It was for XXXX points after spending $ XXXX. In XX/XX/XXXX I received a {$200.00} credit and XXXX points. I didn't know what it was, but assumed it was part of my offer and the rest would come later as they tell you wait 6-8 weeks for processing. I waited until XX/XX/XXXX to contact Chase in an attempt to give the rewards time. I was 1st told the offer was NOT valid when I signed up. Then I was told that because I applied while l was booking, that I was offered the XXXX points and {$200.00} credit. I have NEVER seen this offer in my life!!! And today when I called they told me that since I waited 90 days after signing up that I can't get the points. They tell you to allow time for processing, so that's what I did. They being Chase.com. My 90 days would have been app. XX/XX/XXXX. I have reviewed multiple reviews online of Chase doing this!! I think their practices are very deceptive and they should have ONE offer at a time if they are going to do things like this! I would have never signed up for an offer of XXXX points when offers are posted with more points OFTEN!! I don't want {$200.00} in credit, nor XXXX miles. I want the XXXX miles I signed up for! My screenshot wasn't enough for them, of course. There are multiple websites that show the offer when I applied. If it has happened to other customers, this is a pattern. I have read where people have complained with the CFPB before to no avail. But I felt I still had to try, because this is unacceptable!! I can go to their website today and that's not the offer! Even though that means nothing. I have messages from them stating the offer was only valid XX/XX/XXXX and XX/XX/XXXX. All of the different reasons they gave have lead me to believe this happens often with them and they are used to deflecting. I have the dated screenshot of when I applied but not sure if that'll work. 

These are just a few sites that track these deals. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.

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 2018-06-14 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I purchased items for my sons birthday and XXXX stated that it was delivered. However I was not home I was at work and there was no one to sign for my package. My package required a signature. Needless to say I never received my package and I was told that within 10 days I should receive a refund from XXXX XXXX and I never did. Nor did PayPal resolve the issue and give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I paid XXXX XXXX XXXX {$94.00}. At the time of payment, my account was in collections. However, as of XX/XX/XXXX, their collection agency, CREDITORS COLLECTION SERVICES, is still posting this as an active debt. I filed disputes with all three credit bureaus. XXXX  has already removed the notation from their credit report because I provided a copy of the receipt. This receipt is attached to the CFPB complaint. XXXX XXXX states that they notified CREDITOR COLLECTION SERVICES. Creditor Collection Services claims they have no knowledge of this communicaiton. 

If I am forced to do so, I will bring XXXX XXXX XXXX to small claims court to compel them to remove the collection notation from XXXX  and XXXX. I will sue for damages and court costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute the following public record Transunion has REINSERTED on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), when an item is disputed and removed, the Credit Reporting Agency has FIVE business days to notify me of the reinsertion in writing. These accounts were disputed directly with Transunion on XX/XX/XXXX deleted on XX/XX/XXXX and reinserted sometime XX/XX/XXXX- XX/XX/XXXX.

To date, I have not received correspondence in writing  from Transunion indicating that the below listed accounts were reinserted on my credit report. Therefore, I am requesting these items be permanently deleted. Enclosed are copies of my drivers license, social security card, credit report with the items circled. Please investigate this matter and delete the disputed A copy of this complaint has also been sent to Transunion via certified mail.

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