vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: TN

Complaint narrative:
On yesterday Spring water Financial contacted me about a loan i took out with them. I explained to the young lady that i signed up with a debt relief company that was going to assist me with paying off my loans. And that they should have received the documents from them by now. The young lady who called said to you took out this debt and the collection calls will continue. i hung up the phone and she called back i told her i was advised not to speak with them. She then sent me a text saying Spring Water is needing a return call asap you took out this loan not any one else so we need to speak with YOU! you have have an outstanding balance of {$620.00} that needs to be resolved so collection efforts will continue until we can speak with you to meet a mutual agreement XXXX. I only took out {$220.00} so i don't understand how i owe so much I received this email this morning : Spring Water Financial has provided a loan to customer on XX/XX/19 and the customer has not made a payment on the loan. 
As a fact she revoked ACH thru her bank on her first payment on XX/XX/19. This customer should not qualify to be in your program for Spring Water Financial since she has not made any payment on the loan. 
Spring Water Financial will not settle this account for anything less than {$300.00} which principal balance with fees. If the customer worked with Spring Water Financial directly we would offer her {$25.00} bi weekly payments until the {$300.00} was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am being victimized by Midland Mortgage with a predatory loan. I bought my home in XX/XX/XXXX and MM bought the mortgage in XX/XX/XXXX. I paid my mortgage payment each month. MM sent a letter in XX/XX/XXXX stating due to a shortage in escrow I owed XXXX or my payment would increase from XXXX to XXXX. MM created a shortage by purchasing windstorm coverage and charging me double. I contacted the hope helpline and a HUD-approved counselor who negotiated a loan modification. The counselor told me the payment was XXXX with 5 yrs added to the mortgage, she also told me it was legal for MM to charge double so to have a cushion. I later received a letter from a law firm who was suing MM because for doing this to many. It became a class action. I got a check in the mail for XXXX, MM got to keep the rest of my XXXX that they stole from me. A person from MM called me in the last week of XX/XX/XXXX and told me the new payment was XXXX due XX/XX/XXXX, I paid it. In the last week of XX/XX/XXXX MM sent a letter saying I was past due on my XX/XX/XXXX payment. I complained to XXXX XXXX. A person named XXXX calls me and tells me the payment was applied to XX/XX/XXXX and wanted me to pay an extra 100 a month to make up the missed payment that I actually did not miss, It's just a scam ran by MM. I paid 50 extra for months and MM reported me late each month to the credit bureau. In XX/XX/XXXX my payment was XXXX which included homeowner, windstorm, and taxes. MM raised my payment to XXXX in XX/XX/XXXX. I believe an investigation would prove MM increased the payment illegally. ( MM ) Midland Mortgage.

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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Nationstar Mortgage LLC purchased insurance for me without telling me in XX/XX/2019. The insurance is extremely expensive. They sent me a letter 6 months after it's been active. Now my escrow payment almost doubled. This is a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
FiledBKXXXXinXXXXXXXX-DischargedXXXXXXXX-XXXXXXXXlisted-dischargedinBKXXXX.

ExperianshowsXXXXXXXXtwotimes-1DischargedinBKinXXXXand1reportingassoldtoXXXXXXXX.IwasNEVERnotified.IwassuedbyXXXXafteritsoldtheaccountanditwasDischargedaswell.Howcanyousueforcollectionwhenyouhavesoldtheaccount?Isthatnotfraud?

XXXXXXXXapparentlypurchasedtheaccountinXXXXofXXXXandnevercommunicatedwithmeasitfiledBKinXXXXofXXXX.

WhyisExperianallowedtoshow2accountsandnotjustonechargedoff.ThatdoesnotchangethestatusofXXXXXXXX-theexplanationtheyhaveforXXXXXXXXXXXXstillshowsunderXXXX.

XXXXandXXXXhavebothgottenthiscorrect-itisonlyExperianandtheCFPBthatcannotseetounderstandthenegativeconsequencesofkeepingthisopenwhentheaccountwassoldandtheCompanypurchasingitfiledaBKXXXXinXX/XX/XXXX?

IamquitedismayedthatExperianbeingtheprimaryrepositoryseemstoworktomakeyourscorelowereachtimeyouaddressanissue-ItwasXXXXandnowdowntoXXXXwhenyouhaveaddednewaccountsandtheyarecurrentwithlowusage.WhatGiveshere?

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 2019-07-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/1019 XXXX XXXX did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Penny Mac is unethical in their business practices ( this is a bold statement ). After retiring from the Department of the XXXX as a Civilian with 31 years of Government services, and 3 years in the United States XXXX ( Veteran ) I have never experienced any Mortgage problems with any loan. The original loan was with XXXX XXXX XXXX XXXX, however, they transferred the loan to Penny Mac. Penny Mac changed my biweekly payment plan, only reviewed my escrow account once ( projection are not in keeping with commercial practice ), and inform me they are a Debt Collection/Debt Collector Company. I have to guess when they will charge my account for the next mortgage payment. By during biweekly payments, they require a month in advance ( why )? Penny Mac computers systems and payment systems are outdated. If you make an unscheduled payment, not for the full amount their systems tell them they can not or they will need more time to make the payment in the computer system or payment system ( when do computers systems tell you how to do transactions? ) It is all about the systems, systems, not the customers. " We are a Debt Collector '' is what they tell every customer on every call, an I mean " Every Call, '' Penny Mac say by-law they have too ( someone needs to look at the Law or change the law ). What is my point? Changing my biweekly payment, and escrow account not being projected. The Fair Debt Collection Act 15 United States Code, Section 1692. 

Thank you for taking the time to read my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had two balance transfer transactions on the same card. Both with unique transaction IDs and expiration dates. I was approaching the expiration on the first one and inquired through the customer service number how I would go about making a payment to pay that particular balance off. I was informed that I would have to wait until the day that offer expired to make the payment being as that balance would then be assigned an APR ( where all previous balances were at zero APR ). I called the card company again when that day came and asked if that was indeed correct. They said that I should submit the payment and they would apply my minimum payment according to their terms and everything paid beyond that would be applied to the balance with the highest APR. Seeing as that balance was expiring that day the customer service rep said I was good to go forward with paying that balance off. I made the payment moments later through their online app and didnt think anything more about it. I received my new statement and found that not only was my payment not applied to that balance, but they also extended that particular transfer offer another month. Only about a tenth of the almost {$1000.00} dollar payment was applied to the expiring balance and the rest was applied to the other balance transfer that didnt expire for months. I opened a case that day with the customer service department who was supposed to return my call with any updates or results since they didnt understand why the offer was extended another month and not sure it can be fix now that the payment has been applied. 
A week went by with no phone calls. I called back and was told there was no open case and was transferred to the executive office who proceeded to open a case and send me to a supervisor. That was over a month ago. I have called roughly once a week to check up seeing as no one ever called me back as they claimed they would. I have spoken to countless supervisors and case managers who continue to say weve never seen anything like that and I dont know how that happened or how we can fix it. I even opened a resolution case with the bank that the card is issued by and that case was closed 20 minutes later because a case with the executive office is already open and they will take care of the issue. I just received my newest statement which now has interest included for that remaining ( now expired ) balance transfer that should have been paid off two months ago. I should probably mention that I also work for this same bank and even being both an employee and a customer has gotten me no closer to the issue being resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit acceptance! Repo my car after I told them that my checking account was overdrawn however they want me to pay a certain amount to get my car releases I never been late making car payments They are big scammers and have XXXX customer service attitude

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 2019-07-09 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: CA

Complaint narrative:
I opened an account with Chase with a {$300.00} bonus for new checking users. I completed all requirements, and did NOT receive a bonus. 
After speaking with Chase multiple times, they said I have not met the requirements due to a fee which was charged and waived on the XXXX of XXXX. 

I deposited {$1000.00} or more within 20 days of opening. 

I maintained at least {$1000.00} for 60 days. 

And I completed the 5 qualifying actions. 

They are saying I didn't maintain the XXXX dollars on the 60th day,  where they charged a XXXX dollar service fee. 

On that 60th day, the XXXX dollar service fee brought me below XXXX dollars, but reading the stipulations of the promotion, it does not define that I need to keep the {$1000.00} dollars for that 60th night, only that I maintain the {$1000.00} dollars for " 60 days from the date of deposit '' which I did. 

On XXXX  XXXX, 2019, I opened the account. 
On XXXX XXXX, 60 days later, the account fell to XXXX due to a fee from XXXX that was later refunded/waived. 

This mistake by chase has caused the system to flag my account as not meeting the requirements from the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I submitted three price rewinds on XX/XX/XXXX ( XXXX, XXXX, and XXXX ). I had not received any notification on the status of them, therefore, I called about two weeks ago to get an update. I was told that they were denied for the following reasons. 

XXXX Denied because the price wasnt listed online. I had submitted a picture of the XXXX XXXX Sale price that the store I purchased it from was running. In the picture it clearly stated the offer was valid XX/XX/2019 - XX/XX/2019. If Citi had contacted the store, they could have confirmed it as well. Furthermore, in Citis Terms & Conditions, it clearly states that all that is needed is " A copy of the merchants advertisement showing the lower price for the same item by the same manufacturer '', which is EXACTLY what I provided in the picture. The valid dates in the picture complete the 2nd necessary requirement in Citis Terms & Conditions ( Effective date of the merchants advertised lower price ( must be within 60 days of purchase ) ) XXXX & XXXX Denied because the items ( both XXXX wiper blades ) were considered consumables. In Citis Terms & Conditions, it says Items that can spoil or are consumable and need to be replaced after they have been used for a period of time such as food, fuel, batteries, medications, beauty products or personal care products. are not eligible. Clearly, wiper blades do not fit that criteria nor are they listed. If wiper blades are considered consumables, then every item in the world is a consumable ( i.e. a TV eventually breaks and needs to be replaced ). Furthermore, I have had brake components approved on Citi 's Price Rewind in the past. 

I was told that a Citi Price Protection Supervisor would contact me within 24 hours, however, that never occurred which is why I am contacting the CFPB. I do not know if this behavior is a result of Citis decision to remove the Price Protection Program,  however, it is unlike Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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:
I contacted Portfolio Recovery Associates, LLC about an account # XXXX that is showing on my credit report for all three credit reporting agencies. I sent them a letter ( attached below ) asking them to provide me with information as to why this account was showing on my credit report. I let them know that if they could not provide the required information that the account needed to be removed from my credits reports per the Fair Debt Collection Practices Act and Fair Credit Reporting Act. 

They responded only with a generic statement and response ( attached below ). Anyone can create a statement and attach another person 's name to it. Their response does not meet the requirements of the Fair Credit Reporting Act to validate that this account should be reported on my credit reports. I would rather have these items removed from my credit reports without having to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly a collection on the XXXX USA account number XXXX, in the amount of {$1000.00}. ( Please see page 6 of the attached credit report. ) XXXX XXXX had the wrong social security number listed on this account according to the representative that I spoke with when I was trying to close this account. In speaking with the representative, I was providing my social security number and the representative told me that without my being able to provide the correct social security number they had on the account, that I was NOT authorized to manage this account so consequently I was not able to close this account or even discuss the issues with the representative. This account belongs to someone else and is not mine. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
the phone company XXXX was contacted to hook up my home phone in XXXX of 2012 the phone was never hooked up and no calls were ever made on the line I never received any notification of Debt and I just saw there is a XXXX $ debt in collections with TRIDENT ASSET MANAGEMENT this company say they have no email and can not fax a letter of payment this seems a little fishy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was using cash app and wanted to cash out {$43.00} to my bank account. I also payed an extra fee of {$.00} to have the money sent to my account the day of. But it has been three days and my money is not yet there. So I called XXXX XXXX XXXX and they said my money should come soon. But I also wanted to call cash app to confirm that my money would be sent soon. When I called their number it was obvious they were trying to scam me for {$100.00} and were also trying to figure out my age and social security number. The phone number I called was XXXX XXXX XXXX. I would like if you could shut this number down so others dont give up their social and their money to this scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: ERC
State: NY

Complaint narrative:
I paid a collection that I had with Enhanced Recovery in XX/XX/XXXX and it is reflecting on my credit report as a Collection still in XXXX. There has not even been a status update of PAID on the credit report. I am trying to build my credit and this negative that is reporting on my report is hindering my scores and my ability to do other business. 
The account in question is ENHANCED RECOVERY a/c # XXXX reporting as a collection on XXXX only in the amount of {$360.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TX

Complaint narrative:
XXXX and Experian are reporting incorrectly a collection on the XXXX XXXX account number XXXX, in the amount of {$1000.00}. ( Please see page XXXX of the attached credit report. ) XXXX XXXX   had the wrong social security number listed on this account according to the representative that I spoke with when I was trying to close this account. In speaking with the representative, I was providing my social security number and the representative told me that without my being able to provide the correct social security number they had on the account, that I was NOT authorized to manage this account so consequently I was not able to close this account or even discuss the issues with the representative. This account belongs to someone else and is not mine. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.

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