vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am on the active military duty from XXXX XXXX. I and my husband ( XXXX XXXX ) get approved for SCRA benefit for our XXXX platinum cards XXXX and XXXX. The SCAR approved letter clearly stated that our billing for annual membership fee will be waived for the duration of my XXXX XXXX. We both paid the annual fee for XXXX $ on XXXX XXXX and that means this annual fee cover from XXXX XXXX to XXXX XXXX. Since my XXXX XXXX starts in XXXX XXXX, XXXX should refund part of our annual fee based on SCRA act since I join XXXX XXXX on XXXX XXXX, XXXX. I also check with the representative when I submit the SCRA application in XXXX and she told me the annual fee will be refund prorated from my start of XXXX XXXX after SCRA approved. My XXXX XXXX card already waives the part of the annual fee I paid early this year so I do n't pay the annual fee after XXXX XXXX due to SCRA act. I do n't understand why XXXX is handling totally different and refuse to refund half year annual fee when I am on XXXX XXXX based on SCRA. I talked with XXXX representative and they are really not willing to help on this issue and ask me to file the complaint to their corporate office. This is really not the service we expected. Please refund prorated annual fee for me and my spouse ( XXXX XXXX ) for  our XXXX plantium cards according to our SCRA benefits. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: TN

Complaint narrative:
On XXXX XXXX, XXXX a XXXX account number XXXX XXXX XXXX bank had been re-inserted onto my credit as a negative item. XXXX is required to notify me within XXXX days of re-inserting a previously updated item. I did not receive any such notification. I am asking that this item please be updated immediately on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Dear Sirs : XXXX XXXX XXXX is aware that I reside in a area that was affected by Hurricane Harvey in Texas. My county is one of many under The Federal Emergency Disaster Declaration that went into effect on X/XX/17.

Consequently, I am under a 90 day moratorium issued by FEMA since I have a FHA backed mortgage. C.M.S. is fully aware of this as indicated by them verbally and in writing.

This Federal Moratorium prohibits any Forclosure or Collection related activity thereof from X/XX/17 onward and possibly extended. 

However, I continue to get harangued with phone calls and letters threatening Forclosure and most recently from an outside agency CMS has since contracted with as seen by the attached letter herein. 

I have asked them to please stop these attacks and to respect the law set in place due to this Natural Disaster mandated by FEMA. This harassment is uncalled for and perhaps illegal. 

Very truly yours, XXXX XXXX Re:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a XXXX XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the XXXX credit reporting agencies to correct this information to no avail. I also provided the XXXX credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my XXXX XXXX Attorney and will file a grievance with the bankruptcy court against this company and XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX transferred my loan to XXXX while I was in a Chapter XXXX. This debt was paid then forgiven by XXXX however XXXX XXXX  XXXX XXXX is still showing delinquency on old debt. 

I attempted to get the three credit reporting agencies to correct this information to no avail. I also provided the 3 credit reporting agencies the " STATEMENT OF SERVICE '' Letter from the Chapter XXXX following my successful discharge. 

My credit file is still showing that the information is current and all attempts to fix this have failed. I have contacted my Chapter XXXX Attorney and will file a grievance with the bankruptcy court against this company and 3 credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I settled a debt of XXXX with XXXX for XXXX in XXXX. I have attached a copy of that payment from my bank statement. They removed the balance on the XXXX account but have now placed the remaining XXXX with a company called EOS. This is a violation of federal law and likely usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
The service provider of my mortgage, Bayview Loan Servicing, wanted to initiate a modification of my loan conditions based in a Hazard Insurance policy added to my loan for an amount of XXXX XXXX/month. Bayview said that it was included to my mortgage due to the lack of answer from my Homeowner Associations to their proof of hazard insurance request. 

Once after Bayview acknowledged that they received the corresponding proof of Hazard Insurance from my Homeowners Association ; Bayview decided to remove the mentioned fee as per Bayview letters attached to my previous CFPB complaint # XXXX of XXXX XXXX XXXX. 

My loan was modified and signed by Bayview 3 years ago and adjusted to my XXXX XXXX income that to present has not changed and is still for the same amount. I can not accept Bayviews new loan modification proposal without a legal ground or proper reason. Bayview XXXX wants to increase my monthly payments progressively, change my mortgage interest rate from fixed to variable, and extend the number of payments from XXXX to XXXX making the current mortgage period from 24 to 33 years. 

Because I have not accepted these changes, Bayview has filed a foreclosure request on XXXX XXXX XXXX, and suspended it on XXXX XXXX XXXX. This seems to a way of intimidation and harassment. 

Frivolous foreclosure grounds : Bayview has filed a frivolous foreclosure on the XXXX XXXX XXXX district ( ( Foreclosure case # XXXX ) against my home using the false statement that I have not paid my bills since XXXX XXXX as a mean of pressure against me because of my denial to accept their modification proposal. Making a foreclosure of a home is a very serious matter. They should have started by asking me for proof of my payments instead. 

I am current on my mortgage payments to them as shown on my Bank statements sent to Bayview through CFPB on XXXX XXXX XXXX ( complaint # XXXX ), but even after receiving my proof of payment, XXXX hasnt closed the foreclosure case. 

Bayview has returned my XXXX XXXX mortgage payment to my Bank 4 times, and just returned my XXXX XXXX payment too, Bayview stayed in its answer to CFPB that they are unable to accept my payments because my home is in suspended foreclosure dated XXXX XXXX XXXX. Their foreclosure was based on the false allegation of lack of payment and I consider it falls into the range of frivolous foreclosure. 

I therefore request this foreclosure case to be closed in the next days, or I will be forced to start a demand according to Fla.Stat. sec. 57.105 to dismiss frivolous foreclosure action with prejudice. This situation is really affecting my health negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: NJ

Complaint narrative:
I settled a {$1200.00} balance for {$600.00} with XXXX in XXXX. I have attached a copy of that payment from my checking account. In XXXX I disputed the {$1200.00} balance still showing on the file and Equifax 's response was " disputed meets FCRA requirements ''. How can it meet requirements if I settled it? They either did n't bother to send it to XXXX to verify XXXX XXXX XXXX XXXX took my money and left the balance. This is a violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: KY

Complaint narrative:
Paid {$450.00} in XXXX 2017. XXXX XXXX XXXX  still reporting negative on credit report and claim they cant remove paid account off credit report but updated as paid. Not following the Fair credit act. I am aware XXXX XXXXe bought my debt online XXXX XXXX hospital sold account. XXXX XXXX hospital is VIOLATION my HIPPA rights to give information to XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on one of my credit reports through XXXX XXXX stating that I " opened up a credit account through Wal-Mart '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an FYI, i have been dealing with Identity Theft since the beginning of 2017 due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my credit score to where I want it to be, and that 's at a excellent level

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
SOURCE RECEIVABLES MNG is reporting negativity on my credit reports ( XXXX XXXX XXXX XXXX  XXXX. This account was supposed to be deleted when it was paid. They 're still actively reporting as a current negative account. I need them to remove based on the agreement we had ... they said they would remove it when it was paid ... Please delete from my records ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I do not have a contract with this creditor, I am not liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am part of the Experian Data Breach. And now I am getting emails from Experian to protect this information for a fee. 
It seems like Fraud. They leak our information and now want to make money to protect my information they leaked. 

I am over simplifying possibly but that is how I see it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I saw that a collection showed up on my credit report from XXXX XXXX so I called the number on the credit report and asked them what was this {$410.00} debt that they put on my credit. They stated that it was a bill from XXXX XXXX from XX/2015 and I told them that i do not owe them anything and they stated that I did. I told them that I would be disputing this information. The very next business day, they call me at my place of employment. Now, at the time that I had went to XXXX, I had just been let go at my job so I was just trying to use my benefits by the end of the month so I could get anything covered that needed to be done. I went in for a XXXX XXXX and they told me that I had 5 XXXX and one might require a XXXX XXXX but they would try to save it. Please keep in mind that i had no XXXX since I was XXXX years old and I went to the XXXX faithfully. For this service, I had to pay my portion of {$670.00} and the rest was to be covered by insurance. I applied for XXXX XXXX and paid them {$670.00}. They supposedly saved my XXXX and gave me fill ins. Two months later, I started having sXXXX XXXX in my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX called me stating that they had another portion of the bill that I needed to pay- something around {$120.00}. I explained to them that they did not fix the issue when I paid them the first time and that, now, I faced the dilemma of having to get a XXXX XXXX ( while then XXXX ) with no insurance, as I had only started a XXXX job at the time. I was very upset because I had to come out of alot more money after already paying them all of that money. The girl was supposed to talk to the XXXX about this. I never heard anything from them and then I get this collection almost 2 years later for almost 4 times the amount. I am very upset because I paid them for work that was unsatisfactory and they are trying to ruin my credit. Then, this company is calling my place of employment and finding information about me. I really need a resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been checking on my credit reports daily. Recently I noticed a Hard Inquiry on XXXX of my credit reports through XXXX XXXX stating that I " opened up a credit account through XXXX '' I tried to disputed it but was n't able to because I had a pending review on another dispute I had submitted before. Just an XXXX, i have been dealing with Identity Theft since the beginning of XXXX due to the fact that my personal information was stolen by an unknown person and this person or people keep trying to ruin my credit and my my personal information by applying for credit cards and other miscellaneous offers. I want to get this fixed as soon as possible because I have been trying to get my XXXX XXXX to where I want it to be, and that 's at a excellent level

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
My loan was sold to Bayview Loan ServicingXXXX I received a debt verification, dated XX/XX/XXXX, on about XX/XX/XXXX. As I have been, I mailed my monthly payment ( XXXX ) and also responded to debt validation by indicating XXXX, my former servicing agent, along with XXXX XXXX XXXX, was aware that there was a misapplied payment, posted to my second loan which was closed by XXXX sometime ago. XXXX XXXX XXXX sold my load with the situation under reviews, XXXX took my loan, and even though advised, did not do anything, and in XX/XX/XXXX, stated the matter was " under review ''. Now once again, my loan is with another service who not only tells me I 'm 30 days behind but also has demanded that I pay monies that were placed at the end of my loan through the mortgage settlement. I have seen my credit report repeatedly damaged, and have spent countless amount of time trying to rectify the matter. I am hearing impaired and have asked that written correspondences or even email be used to no avail. I have a caption phone that works most time, and also provides a transcript, one which acknowledges XXXX stating the matter was under review. Now Bayview, though, I have confirmation that they have received my payment has not updated my account or credited my full payment. I have seen so many complaints on Bayview, I am concerned with the matter. I have worked extremely hard and overcome many, many obstacles. I am not behind, and at the writing of this complaint owe for the month of XXXX. I do not dispute that I owe various fees, but not al the necessary {$15.00} fees for listing my home in default, while utler ignoring my dispute of one payment. I even became so distraught I offered to pay half the payment spread across my loan for six months, no answer from XXXX. I simply want resolution and to not have to spend my time, or Bayview 's time bring about a battle that should not exist. I respectfully request that this matter be moved for resolve though crediting my account of some agreeable terms. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04 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: CORELOGIC INC
State: WA

Complaint narrative:
I 'm contacting CFPB to get assistance with several hard checks by the same company over a few months and also an unrecognized hard check. These hard checks occurred last year, however, they have tremendously effected my credit rating/score and needs to be addressed because of the multiple hard checks done. Please assist and advise. 
Thank you for your time. Following is a copyt and paste of the companies involved. 
Alaska XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from 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 2017-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I received a check and letter of explanation from Wells Fargo Account XXXX property address XXXX XXXX XXXX XXXX, XXXX, IL XXXX for {$150.00} I had a mortgage with Wells Fargo and there was a PMI amount inlcuded in the payment. The letter explained about incorrect information on how to get rid of my PMI payment. First, my complaint is that Wells Fargo never explained how their refund or settlement was calculated. Second, in the letter Wells states that they may effect my income taxes. Third, I asked about getting rid of PMI since I first got my mortgage payment in late XXXX. I had to make my first payment to XXXX XXXX XXXX, then Wells and I did inquire about getting rid of this mortgage payments and several improvements I  had to my property. What I am asking for is for Wells to refund my PMI since it was first misinformed which is late XXXX, next explain how Wells miscalculated and explained that in case of further litigation that I can still be a party in but not limited to a class action lawsuit or settlement. Lastly, Wells Fargo is responsible for covering any federal and state income tax liability and penalties their mistake cost. Including that cost of refiling both state and federal income tax with my accountant. I have been researching different cases involving Wells Fargo and do not trust them as a financial institution. When Wells sends a letter or sends a check I am suspicious of their intentions. I would like to use this situation to alert the regulators of more problems that Wells has caused, and I will reach out to my senators and US representative and members of the press to show another example of problems with Wells Fargo.

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