vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute on a Tax Lien issue by  XXXX   County Superior Court  in    XXXX   XXXX    in the amount of {$1800.00}. I paid that lien in full in    XXXX   XXXX   XXXX   . I received a full lien release on    XXXX   XXXX   XXXX    from the  XXXX  Department  of Revenue . The  Tax Lien  was removed from my Equifax credit file on    XXXX   XXXX   XXXX   . One month later, the tax lien was reinserted into my credit file with Equifax. Both  XXXX   County Superior Court  and the  XXXX  Department  of Revenue  sent me an email indicating that they never divulge any information to any credit reporting agencies ; therefore, the tax lien information has been furnished by a third party agency and I was never informed that the item had been reinserted into my credit file, which violates the Fair Credit Reporting Act  611 ( a ) ( 5 ) ( B ) ( ii )  which states : In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii  ), you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted mate rial ( ii ) No tice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 ) b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I spoke to several representatives in the office of consumer affairs dept of Equifax numerous times. The reason i needed to contact that dept is because they have my credit file locked so i ca n't view my file on any  3rd party cr edit monitoring sites (  XXXX ,  XXXX ,  XXXX  ). everytime i contact this dept i am kept getting the same respon se ( its for my protection to block your credit file ). I ask   XXXX   XXXX   ( lik e the month ) at the equifax office of consumer affairs what is the options for me to view my fico score and credit report. She informed me that the only way for me to view my file and fico score was to purchase their credit monitoring service a t  XXXX /month. I feel like i a m being LIED TO!   XXXX   XXXX    WAS VE RY   XXXX  ON  THE PHONE CALL, THE CALL WAS RECORDED SO IM SURE WE COULD GET THE RECORDING OF THE CALL. I WANT MY CREDIT FILE UNLOCKED SO I COULD VIEW MY REPORT PLEASE!!!!!!!! THIS IS NON SENSE AND VERY UNPROFESSIONAL ... ..  <P/> I WANT TO VIEW MY FICO SCORE AND FILE AT MY REQUEST NOT EQUIFAX REQUEST .... THANK YOU!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
XXXX   XXXX ,    2016,   XXXX   XXXX  credit card deducted  XXXX  allotments from my military retiree pay.  XXXX  in the amount of {$74.00} and  XXXX  in the amount of {$67.00}. AAFES applied the {$74.00} to my balance, but to date has not applied my {$67.00} payment. AAFES has ignored every attempt to correct this situation. I have sent them a certified letter with documentation, called them and even filed with The Better Business Bureau. AAFES has ignored my certified letter, the BBB complaint and my phone calls. If they had applied my {$67.00} my account would have possibly never been sent to collections. I want my {$67.00} plus interest applied to my account. And if the {$67.00} would have been applied I would not have been 3 months behind. I am still paying on this account, I do not intend to ignore my obligation. I contacted AAFES and let them know I was out of work  for 6 weeks  due to a broken ankle and that caused financial issues, but they did not care. That spiraled my delinquency.

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 2017-04-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a credit card wi th American Express tha t had a {$450.00} annual fee and  XXXX  point sign-up bonus. Right after getting the card, I went on the AmEx site and saw a huge promotion for the same card -- {$450.00} annual fee, but  XXXX  points as a sign-up bonus ( I still have the Terms & Conditions of this offer open -   XXXX   XXXX     XXXX ?  XXXX  & print # offerBenefitTermsDisclosures ). I called  AmEx  immediately to ask if I could be matched to this higher offer since it had only been a few days since I 'd applied. The person on the phone told me that it should n't be a problem and to check back in a few weeks. I checked back with American Express, and the customer service representatives online now keep telling me that I actually am not eligible for the offer even though one of them said my request is listed as " in progress '' on my profile. I asked for clarification on what this means and they refused to explain. Finally, a customer service rep said " this offer is not just for you, it is for the new card members. '' They refused to elaborate on what any of this means, or go into the actual details of why I was told it would be fine and then told I ca n't be matched to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Procollect Services LLC
State: ND

Complaint narrative:
I paid all of these to pro collect in full right away. They told me they would not reflect my credit as they are paid in full and they still have them open and they should not be as they are paid! They should not be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On  XXXX   XXXX ,  XXXX , Advance Financial submitted  XXXX  varying automatic debit from my checking account totaling {$360.00}  (  {$120.00}, {$120.00}, and {$110.00 } ). Ta king money that they knew and know is judgment free in an attempt to collect a debt. I currently received  XXXX  and   XXXX   XXXX    XXXX  as my only income which they authorized and received illegally under state of tennessee laws and Fair Debt Collection Protection Act. When I called to inquire about the debits from my account and receiving a refund ; a  XXXX  and a  XXXX  first informed me " before they could assist me they would first like to inform me any information given in regards to my account is an attempt to collect a debt. '' Under Tennessee laws once my account is in default they should seek legal remedies to resolve the matter. Instead they continued to seek debiting my account, which violates state laws. They failed to notify me in writing of my account being pursued as a debt as it has been in default since  XXXX   XXXX ,  XXXX , violating the FDCPA. The company also breached the contract in which they are to only submit a " single debit entry only in the event of default ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I filed for student loan forgiveness in  XXXX  and final approval for it was on  XXXX   XXXX ,  XXXX .I got letters from t he U.S. Treasury that  they were going to start taking money out of my  XXXX   XXXX  check in  XXXX    XXXX  . I called and spoke to Navient and  XXXX   XXXX   XXXX  also about it and kept getting the run around. I told both of them that I had letters from them stating all was cleared, kept getting well when  XXXX  sends a letter stating all is forgiving we will stop taking money from you. Then I get hold of  XXXX  and they say the opposite of what Navient told me. So I got money taken out in  XXXX  of this month and again they are taking money out this month.   I called and spoke to a lady at Navient yesterday and was on the phone for over 45 mins and kept getting put on hold. She said one second please and it was more the a second, I hate it when people saids that. So finally she comes back on the phone and said we are updating your information just now and call back tomorrow. Same ole story on hold from  XXXX  and then get yes you were approved and it was just up dated yesterday. There is a process for a refund going on right now, and it will take up to 30 days for th e Dept of Treasu ry to stop taking money once we send it to them. I wish that both of them could get in serious trouble and fined and the people they are  XXXX  gets quadtriple the money back they took. And that they will continue to take money out until then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
this bank own my loan and they hired Specilaized loan servicer to handle my mortgage the servicer are fraud and toy with me. send this creep to my property hide in the bushes and take picture of my property

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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Someone is trying to open a credit card under my name on  XXXX  and   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
this account has been removed from the other  XXXX  bureaus and reporting negatively please remove as it 's blocking me from receiving further credit

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 2017-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
They start at XXXX call during every hour first they call XXXX husband then they call XXXX me. Every call is from a different location ( however when call is made first to one number then the next same location ). Messages left maybe 50 % of the time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed bankruptcy with my husband in 2014 which was charged off on in XX/XX/XXXX of that year. Chase Bank was one of the credit cards included in the bankruptcy and now they are reporting that they charged this off and I have several missing payments which is hurting my credit very badly. I need this removed off my credit report immediately as I am applying for a car loan and will be moving soon. We included ALL credit cards in our bankruptcy so we should not have any on our credit report. I am attaching my bankruptcy discharge paper- work showing Chase Bank listed as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On or about XX/XX/2016, I put money into a safety deposit totaling {$26000.00} in cash. On XX/XX/2016, I returned and the money was gone. I complained to PNC Bank at XXXX, IL XXXX. XXXX. I went in person and complained to XXXX, bank manager. He told me to get a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I contacted Navient about two years ago to lower my monthly payments since I had just lost my job. I asked the associate what could be the lowest amount I could possibly pay. The associate gave me a number and we agreed that that would be my new monthly payment. I just recently logged on to the web-based account and found that for the last twelve months, the entirety of my payments were going only to interest and none of it was going to my principal. I feel that the associate steered me in the wrong direction and it seems like they did not care about my financial troubles at that time. If I knew that my payments would only be going to the interest, I never would have lowered my payments by that much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I have a mortgage with Freedom mortgage and in XX/XX/XXXX I was trying to refinance my home mortgage with them it took about five months, I did not realize that my husband was on the loan because I have refinance my loan about four time already with out him but to make a long story short I get his permission to sign his name from the title company name title XXXX who received his affidavit on XX/XX/XXXX now it took them both company to XX/XX/XXXX to have the signing agent to come out for me to sign all the paperwork and this was on XX/XX/XXXX, the signing agent told me and give me paperwork stating that I do not have to pay for XX/XX/XXXX and XX/XX/XXXX rent I have two month free and in XX/XX/XXXX my rent would be XXXX dollars a months but on XX/XX/XXXX Freedom mortgage call me and told me that I did not sign my husband name correctly so it would have to been done all over again, I set it up again for the signing agent to come out a couple of days before XX/XX/XXXX but he call and say he did not get the paperwork so he cancel it, now my problem is that I found out that my husband affidavit that he sign only was for 90 days and it ending in or around XX/XX/XXXX and Freedom mortgage and Title XXXX commit fraud, they knew that what I was signing for my husband was out dated and they still let me sign, this was they plan all alone to let me sign then call me up to telling me it did not take.

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 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Customer Service, Inc.
State: CA

Complaint narrative:
The company is XXXX. The collection agency is Total Customer Service , Inc . However, I ironicaly was treated with horrible customer service when calling to dispute the debt & in fact, the gentleman I was talking to on the phone literally just hung up on me while I was talking ... It was rather rude. 
So anyways, I received a promotional letter, for what appeared to be a sweepstakes giveaway with a large cash incentive as the main prize. Naturally curious as to winning the cash prize, so I could clear other legitimate medical debts of mine, I called the number on the letter that I received & was instantly asked a few various simple questions about my life. Then after answering those survey questions, they said I qualified for a free nice watch & they requested my address to send me the free watch, that was promised to me. Next, they also requested my credit card info to verify my age/identity/etc ... After collecting that info, they had an immediate request for money to start a magazine subscription, to which i declined, multiple times. I was assured that I 'd was getting the watch still, however I never received it & instead a women 's beauty magazine of some sort was mailed to me by them but it actually went to my Mother 's address ... Which by the way, she 's a witness for the entire incident & was present during the conversation I had initially. I definitely NEVER ordered a magazine subscription or authorized a charge for anything of the like. I 'm a XXXX year old male & it was a women 's beauty magazine that they sent me, which should hopefully reveal how much of a scam this was/is. I hope others are n't being harassed with ridiculous fraudulent charges from this con-artist company. It is a complete scam & they lie to you about everything that is " offered '' or " won ''. MY card had no funds on it so the purchases never processed, which I mentioned to them on the phone so they would n't attempt to charge anything, yet it appears that they did. Recently I received a bill from them for a collection of {$67.00} or something close to that price, via the mail. Except, I 'm confused how I owe anything? I definitely do n't & regardless of the watch or the amount of supposed " debt '', this is all just fundamentally incorrect & morally wrong/unfair for me, as well as any other member of the general public that they 've prey on for falsely, " owed '' money. Please help us good people.. In my opinion. this company should not be allowed to operate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
My Mortgage was sold to US bank. The indicated that insurance was required. I have provided them copies twice. It is a condo policy. After the first time I sent it in ( XX/XX/XXXX ), they indicated that my name needed to be on the policy, not just the condo association. I sent a second copy specifically listing my name ( on or around XX/XX/XXXX ). I received in the mail this week a statement indicating that they used my escrow funds without my approval to buy insurance ( {$820.00} ). When I called, they indicated I needed an XXXX policy to cover the contents of my condo ( first time I had ever heard this ). My insurance rep indicates I already have courage for contents and an XXXX would be duplicate coverage. I have confirmation from my insurance rep that I an covered. 
I contacted US Bank on Tuesday the XX/XX/XXXX to discuss my concern and spoke to XXXX ( would not give last name ). She would not connect me with anyone in the insurance department indicating they do not accept calls. They will mail me something. I requested an immediate call from a supervisor and have yet to receive it. 
Is it legal for US Bank to use my escrow money without my permission or approval for something I do n't need or want?

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 2017-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Our mortgage lender short paid our property taxes. 
XX/XX/XXXX - property tax due date XX/XX/XXXX - property tax short paid by mortgage lender XX/XX/XXXX - property owner notified by county tax department of unpaid balance XX/XX/XXXX - property owner provided written notice to lender of unpaid balance and requested written verification of successful tax payment XX/XX/XXXX - property owner called lender, lender verified receipt of owner 's request to pay balance due XX/XX/XXXX - property owner received marketing call from lender to refinance and take advantage of equity. I requested status update for unpaid property taxes and was transferred to a different attendant who confirmed receiving my request to pay unpaid taxes. 
XX/XX/XXXX - property owner confirmed through county tax department that tax was still unpaid. 
XX/XX/XXXX - property owner contacted mortgage lender for status update. Lender stated that internal departments were processing my request and confirming amount of unpaid balance. Lender stated their target payment date of XX/XX/XXXX. Property owner stated XX/XX/XXXX as unacceptable. Property owner was transferred to escalation department. Lender attendant stated they would attempt to resolve sooner than XX/XX/XXXX and would contact me after 3 days to provide status update.

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 2017-04-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management , Inc. is sending my client, XXXX, letters stating she owes money on a credit card debt she never had. They need to stop sending her false information or prove that the debt is valid, which we do not believe that is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recover, LLC
State: GA

Complaint narrative:
I contacted the " original creditor '' XXXX to inquire about an apartment and filled out an application and told them not to process the application. They processed the application without my permission, I disputed the {$75.00} charge with my bank and it came back that I in deed did NOT sign off on anything and my back refunded my money after my attempts to get in contact with the company who owns the apartment to get a refund. Now they have sold this account to " rent recovery '' and it shows up on my credit report. This account is frivolous and must be removed as soon as possible or I will take legal action against XXXX and Rent Recovery

Company response to consumer: Untimely response