vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
A Merchant Service of Hospitality, such as XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Maine. Located at XXXX XXXX XXXX. XXXX XXXX XXXX Maine. XXXX, XXXX A hotel that claimed to do extended stays of Winter Rentals turned me down to rent a Hotel Room, by stating I was denied due to my credit and or other financial information. 

Correct me if I am wrong but a Hotel Or Motel, can not pull your credit. 

Is this a discriminatory practice? 
As I am of a protective class, on more than one level. 

Hotels, usually just process your credit card and give you a room, even on an extended stay. I need to know if this company had the authority to perform such an act, using my Visa debit card. I can not understand why they would need to process my credit card, as these funds are made immediately available each time, I use my card, and put on reserve for each Merchant Service. Is this company set up to perform this act properly? 
Regards.

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid down my account and was in a good credit standing, then they added over 2600.00 in interest which put me at a negative credit rating and increased my payment. I asked to be removed and was unaware of such a policy. The company gave me 2 weeks to pay the balance which I was unable so now I am trying to pay down again, but it has negatively affected my credit. WElls fargo does this type of accounts with hemisphere and I will not be shopping with them anymore due to this practice of low interest and deceptive practice.

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 2019-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX and Transunion are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have applied for a credit card through XXXX XXXX. They use Synchrony Bank. I was denied a card based on " unfortunately, based on results of these checks ( social security, address ) we are unable to confirm your identity with enough confidence to approve your application at this time. '' I have an XXXX credit score and have credit cards through J.C. Penny 's XXXX XXXX XXXX and Lowes ALL OF WHICH ARE ISSUED THROUGH SYNCHRONY BANK. 

Their actions have adversely affected my credit rating. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA bank reported us late payment in XXXX and XX/XX/2018 because while they were investigating an interest rate reduction dispute we were advised to pay what we could while active investigation going on. USAA corrected their error of raising our interest rate and monthly min payments when they found the mistake to be on their end, however, they failed to correct the credit reporting they did. We paid as their representatives advised us to, we did not miss payments as they investigated their mistake ( which took 6 months ), but could not afford the sudden dramatic increase that was not supposed to happen due to the program we were under. USAA inaccurately reported as the mistake was on their end and the advice on how to make monthly payments was on their end. We were told to submit dispute forms - we did. However, the person failed to read our forms and do the full investigation and reported our dispute as " irrelvent ''. I have attempted to leave messages on his voicemail repeatedly, but he will not return calls ( Mr. XXXX XXXX ). I have called the USAA customer service line to get a hold of someone in the dispute resolutions team, however, not one representative knows who to connect me to ( but they manage to repeatedly place me on hold for over 47 min at min each time I call ) and they just send me to dispute resolution for credit cards - who only tells me they can not help me because my accounts are not in default. In other words, I submitted 4 disputes for credit reporting to USAA and 1 to Mr. XXXX directly with a 2 page explanation and not one person has called me back to correct or even discuss the issue. I just sent out letter of complaint to NCUA and Im now turning to credit bureaus to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I had a XXXX Credit Card that was exposed to XXXX at the end of 2018. They called me and determined that this was indeed the case. They stated that they would send me a new card and I never received it. Being out of sight, XXXX/Chase did not inform me that if anything was coming out of the previous card, it would transfer to the new number. This is what happened and I did not know until it was too late. There were XXXX XXXX XXXX payments that came out of the new card number ( again, I never received this card ) and caused my account to go delinquent. I have never been delinquent on anything in my life. Then I called in XXXX to inquire as to what is happening and that is when I found out about the charges. They then waived the late charges and interest, but I did not care about this. I cared about the negative marks on my credit. I then called today and spoke to XXXX in the XXXX office telling me that the account was closed? I do not understand. I would like my account reopened and negative marks removed becuase this was totally out of my control and was not given adequate information from XXXX/Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my second complaint to you since I did not get a confirmation from you so I don't know if you got the first complaint. 
I have also filed a complaint with consumer Financial Protection Bureau but they have done nothing. 
Since my last complaint to you, Chase Bank had violated my trust three more times ( within a 24 hour period ) I have now sent them over 20 emails concerning the 12 times that they have declined my card. 
Their response is to reply with a scripted response. They have continually accused me of typing in the wrong CVV number which was impossible in many of the circumstances and simply a lie in the rest of the circumstances. 
Yesterday and today was three more times and this came after their usual scripted response " Your card is in good standing '', " We will try to do better next time '', and " We have elevated this to our fraud department. '' DEAR XXXX PLEASE HELP ME. WHY IS NO ONE LISTENING TO ME? WHY WON'T YOU HELP ME?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Statebridge Company
State: TX

Complaint narrative:
I bought this property at auction in XX/XX/XXXX, from the company that was holding the mortgage. I don't know how Statebridge ( Account ID : XXXX, XXXX XXXX, deceased ) got involved, but I suspect it was handed over to them for collection before the property was foreclosed on. I have talked to them several times. I thought they had resolved the issue because I had no phone calls or mailings for about six months. Then, I received another mailing in XX/XX/XXXX. 
As the former owner is deceased, they won't discuss the account with me, the current owner, but they have had no issue with harassing phone calls and mailings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a collection on my credit report, reported by XXXX XXXX that originated with XXXX XXXX XXXX for a home that I rented through them. We were there throughout the term of the lease and had complained several times that the home was bug infested. Once the term of the lease had ended, I did a walk thru of the home with the Landlord and was told that everything looked fine. I then received a letter that I would not receive my security deposit back and that the home was damaged due to a bug infestation. According to Texas Lease Law - the Landlord must send me the balance of my security deposit along with a list of damages and costs for any repair. I have never received an itemized list nor do I have any idea of how they came up with this balance owed. This is a violation of the lease law and I request that this item be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 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: VA

Complaint narrative:
On XX/XX/2019 I called XXXX and spoke to one of their representatives I informed her that XXXX erroneously reported that my account was in collections. I informed her that I do not have any accounts in collections. She was rude and less than helpful. I placed a called to Equifax and they informed me that XXXX reported to them in XX/XX/2019 that I am 188 days late on my account and its in collections. He looked further into my record and he said how could they report that when it says your account has been paid and its closed. He then opened a dispute. I then called XXXX back and the rep I spoke apologized. She stated it would take 30 days to have my reports corrected. That is unacceptable and all three credit reporting agencies were given the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
Started a day after my birthday, which was all the more suspicious to begin with, I received a private call ( to the best of my memory ) asking me to verify my social security number, as they had personal information verbatim. Which prompted me to not comply, as I receive automated/spam/impersonation calls claiming that I have outstanding student loans, which are all lies, as I do not have any debt and Ive always paid my bills in a timely manner. Its very difficult differentiating what calls are what, especially when Im called on private numbers. We also live in the 21st century, where virtually everyone is easier to contact via email which is what I told Helvey & Associates and their response was, due to the nature of our business, we dont disclose our identity. If I had known they were a collection agency, I would have done everything in my best interest to comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO

Complaint narrative:
This is a continuation of 3 complaints already submitted. I am trying to put all of the pieces together little by little. 

On XX/XX/XXXX we were granted a HELOC on the property at XXXX XXXX XXXX, XXXX XXXX, CO XXXX. The amount of the HELOC was {$46000.00} thru XXXX XXXX XXXX. 

This loan was being handled by HSBC as of XX/XX/XXXX. I paid on this loan, to HSBC, for 4 years and never saw a decrease in the principle amount. The statements I received never addressed the loan rate nor any monies being given credit for. That continued for the four years I paid on it, not knowing what the terms of this loan were. For how many months nor the interest rate, because it was never recorded with XXXX County Clerk and Recorders Office when the Deed of Trust was recorded. Not until I filed my complaint with you did I finally receive this important information. 

The payments I made over 4 years never reflected any decrease in the principle amount. I took it as blind faith that this loan was made with honesty. But this was during the mortgage banking problems that were happening at the time. 

Because of this lack of information, it gave me cause to doubt the legitimacy of this loan causing me to default. I had no idea of the terms of this loan until XX/XX/XXXX with your help. 

HSBC charged off this loan on XX/XX/XXXX and then sold to XXXX/XXXX  on XX/XX/XXXX. For 4 years I never received any correspondence from either cpany until I began receiving statements from XXXX showing a balance due on this loan as being {$46000.00}. Why was I not made aware of this for 4 years and why did it take 4 years before the collections started. 

The balance due was reflected on all statements I received until XX/XX/XXXX when, again with your help, HSBC finally sent the information showing a balance due of {$49000.00}. Had I been aware that some of my payments had been credited to the priciple balance I would not have defaulted at all. The payment history furnished by HSBC shows I was making payments continuously, without cause for default, until I started questioning it's legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: MI

Complaint narrative:
from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector.

2. You respond to the summons and show up in court. You demand proof that you owe the debt.

3. The collection agency requests time to come up with proof.

4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
On XX/XX/ 2019 I noticed the amount of {$990.00} was missing from my bank account which just so happen to be nearly half the funds I had in there. I contacted the bank the same day and they told me that there was nothing they could do on there end that it was a legal order done by XXXX XXXX XXXX   XXXX XXXX XXXX ( XXXX ). obtained the legal order in bad faith as they garnished exempt funds. They are representing LVNV Funding llc, a debt collector who I sent my proof of exemption to. Since sending those people my proof of exemption they have tried to call me to collect the debt and now have illegally garnished my exempt funds through the law office previously mentioned. It has caused me significant hardship as this literally is the only money I live off of as I am XXXX, a full time student and receive only financial aid for school. I have tried to contact them on three different occasions. They do not have an email, so I called them on XX/XX/XXXX the same day it occurred, but no answer. Then I called them on XX/XX/XXXX, the operator picked up and transferred me to a lawyer, but all I got was voicemail, so I left a message. I called again on XX/XX/XXXX and still no answer. So, I again left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
American Express XXXX XXXX Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Calling for an extended family member asking me to pass along a message. I have nothing to do with their finances. Contacting family members is a breach of privacy. They have also been calling my husband, mother-in-law and father-in-law asking them to pass along messages. The extended family member is working with XXXX XXXX XXXX. American Express should not be calling us just because we have the same last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted my first application for the Public Student Loan Forgiveness program in XX/XX/XXXX after having made 5 qualifying payments. I was approved in XX/XX/XXXX though my account did not wholly and accurately reflect these payments. The payments were rescinded in XX/XX/XXXX. I submitted my second application for Public Student Loan Forgiveness in XX/XX/XXXX after having made an additional 12 qualifying payments. I am on an income driven repayment plan with direct debit and was working for a qualifying XXXX providing XXXX services as a XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My case has been pending review since XX/XX/XXXX. It's been over a year. I've sent numerous emails. I've filed complaints. And I'm still waiting for my account to reflect my 17 qualifying PSLF payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
We have a credit on our escrow account in the amount of {$3000.00}. Our lender, XXXX XXXX Mortgage, claims to have mailed this to us but refuses to provide any proof and refuses to let me speak with a supervisor. I have spoken with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claim to have mailed 2 checks : {$990.00} on XX/XX/XXXX. Not received as of XX/XX/XXXX. 
{$2000.00} ( check # XXXX ) in XX/XX/XXXX. Not received. They claim it was cashed but refuse to provide any proof. I have no record of the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: MA

Complaint narrative:
XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation