vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This account was never mine. Never had XXXX in my entire. It is a result of an Identity Theft.

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 2019-08-13 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent TransUnion a letter disputing and laying out multiple errors in my credit file pertaining to a credit card account with XXXX XXXX  with an account number of XXXX. The account showed an incorrect balance of {$5500.00}, a past due amount of {$5500.00}, a payment amount of {$0.00}, and a date of last payment of XX/XX/XXXX. In addition, the account failed to note any previous disputes I had made, which is a violation of my rights. In my dispute letter, I included a settlement agreement with XXXX and cancelled checks showing I met the requirements and satisfied the full account balance. I received a response from TransUnion on or about XX/XX/XXXX that said a change was made to the XXXX account ; however, none of the items I disputed showed any changes. The account still showed a balance and past due amount of {$5500.00}, despite the fact I sent them proof showing that to be false. The account did not show any notation of my recent dispute or that it was settled.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Subject of Complaint, Company, and Employees Misleading and Harmful Loan Pricing and Product Information by Loan Officers Suntrust Mortgage, Loan Officers out of their call center in XXXX, VA. 
Loan officer XXXX XXXX, and backed by his supervisor XXXX XXXX Complaint : On XX/XX/XXXX and XXXX, 2019, I had conversations with loan officer about a refinancing. I told him I had started an application with another lender. This loan officer quoted me interest rate of 3.87, a quarter point lower than the first lender I had an application with. We continue discussion as if this was a conventional agency loan, and there was NO mention whatsoever that this was a special bank portfolio loan. I go ahead and cancel my application with first lender and start an application with Suntrust based on the loan officer 's quote and thinking this was a straight forward agency product. 
Sure enough to my surprise, the next day after I start application and start uploading documents, I learn that he sold me a portfolio product. This is product underwritten for the bank 's own portfolio and not per the well known standards of conventional agency loans. This product requires different financial criteria that are different from bank to bank. It is very different than your regular conventional agency loan with well known standard financial criteria for approval. 
The loan officer mislead me into this product with the lower rate but said nothing that this is the special portfolio product. I could not believe he intentionally chose not to disclose the special nature of this loan and it's underwriting criteria. 
I request to cancel my application because did not want to take a chance with the bank 's own underwriting criteria which often involves the judgment or the individual underwriter, unlike the agency conventional products that have standard financial ratio 's. 
When I complained to the supervisor, the supervisor backed the loan officer, and that the portfolio loan type is not a material information to disclose.

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 2019-08-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express is incorrectly reporting a business account on my personal credit. The account reporting in question has numerous inaccuracies including the payment history, charge off date and current balance. I have informed them of the error and requested the business account in question be deleted from my reports or that the entire account history be reported not just selected time frame of negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX   has reported this account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Newman, Hesse & Associates, P. A.
State: MO

Complaint narrative:
On XX/XX/XXXX, an amount around {$100.00} was garnished from my paycheck in Missouri. I received no notice of this action and asked my company to send me a copy of the papers they had received. Upon receipt of a copy on XX/XX/XXXX, I called the company, Newman Hesse & Associates PA out of XXXX, KS. The woman who answered the phone asked for the case number and told me the case was for a {$20.00} returned check supposedly written in XXXX and that I was served by tacking a letter to the door of where I had been living at the time. I received no such notice and never saw this debt appear on any of my credit reports. The statute of limitations has expired on any action they could take on this debt. They had a judge in XXXX XXXX KS electronically sign a garnishment order for {$1400.00}. I have not lived in Kansas since XXXX and was certainly findable between XXXX and XXXX, and have no record of this judgment from XXXX or from any year since then if they continually renewed it, which would make no sense for a {$20.00} debt which the company surely wrote off as a loss. As soon as I said I would be contacting an attorney, she immediately said I can no longer speak to them at all and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2018 XXXX XXXX  XXXX XXXX XXXX  XXXX individuals coerced me into opening Chase Bank card on my behalf in the amount of {$22000.00} that went to their account. They promised that if I worked for them that they would pay me enough to pay it off in 15 months and I could participate in their self-improvement program. This they put in writing. 
Very soon it was obvious they were not able to pay me as promised and I was not eligible for the self improvement program. I reported this and they said they would return the money. I have text messages and written reports from them on this and subsequently filed a claim per their request. This has been going on now for a year. They locked me out of my office and turned off my computer in retaliation for asking for the return of the money. I no longer work for them. Chase said they could not help. I am XXXX years of age and am on Social Security. I am dissatisfied with the goods and services promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: MA

Complaint narrative:
We used Citi AAdvantage Card for our flight from XXXX to XXXX. However, our flight got cancelled due to weather and we stayed in XXXX for one more night and waited about 24 hours to get to another flight. We checked with Citi staff on the reimbursement issue but they didn't reply to us in about a month. 

Claim Number : XXXX - Citi card ending : 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 monetary relief
Consumer complaint received 2019-08-13 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: NY

Complaint narrative:
Experian and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX has reported this account correctly.

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 2019-08-13 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I enrolled in the Citi Priority Checking Account promotion that stated " open an new regular Checking account in the Citi Priority Account package by XX/XX/2019 and meet the following requirements : Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend {$750.00} required minimum amount on purchases using your Citibank debit card in order to receive XXXX XXXX XXXX miles. '' After I met the requirements, I called Citibank and confirmed with the phone representatives that I satisfied the requirements, and they affirmed that I did and would have to wait 60 days to get my account opening bonus. I met the requirements within the time allotted and have waited for the required time to pass and have not received my XXXX XXXX XXXX miles. It has been months now and I have called on multiple occasions and filed inquires to have this resolved, but to no avail. I am now being told that my {$750.00} debit card transaction does not qualify because Citi is not showing my pin being used. This was not outlined in the terms listed above. I have met the terms of the promotion from my side and would appreciate the miles to be deposited in my account.

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 2019-08-13 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower Loan is in violation of FDCPA through harassment and bullying tactics of collections. 
I lost my job in XX/XX/2019 and have been hounded and harassed by Tower Loan of Pearl ( XXXX XXXX XXXX XXXX ) since then. Every call received from Tower Loan has been an argument and harassing. An employee visited my house on a Saturday morning and told me one amount to pay, but on the following Monday morning I was advised it was 3x more. I was then reprimanded by the Saturday visit employee that what he works out with me is between him and me! I receive multiple phone calls and voicemails on the same day from this company yes, I saved them. It got to be so many calls a day from many different numbers, I started blocking the calls. Communication was not a problem until they started violating CFPB. Multiple times I advised them they may only call me once a day and only leave one voicemail a day. They refused to listen. I received a letter from Tower Loan on XX/XX/2019 that was dated XX/XX/19 stating I had until XX/XX/2019 to come up with the money or they may consider legal action. I was served a court summons on XX/XX/2019 and a nasty phone call from them. I called the corp office and requested a supervisor call me on XX/XX/2019 at XXXX. I spoke to their GM XXXX the following day. He assured me they could still continue to collect on me until the court day XX/XX/19, but considering my unemployed status they would only call and check in on Wednesdays or I could call them. The first 2 check ins went well and then it went to heck. Harassing phone calls and voicemails started up. I was informed by XXXX that their GM hadnt told them anything about only calling on Wednesdays. The lack of communication on their part is no fault of mine. 
I received another letter in the mail today stating I had until tomorrow or they would file legal against me. UHHH HELLO you already did. I have all of the call logs from every phone line they use cell phone included and I have ALL of the voicemails that were left. I left a message for the corporate office to call me back 3 days ago and have not heard anything yet. I am naming the following as the harassers : XXXX manager, XXXX manager, XXXX, XXXX. 
I feel that the multiple phone calls, rude attitudes, and bullying tactics should be addressed quickly. I also feel that because of the mental anguish the agency and its preferred employees cause me, there should be some sort of relief on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have first and second mortgages with a credit union taken out in XXXX and XXXX respectively. 
I filed a Chapter XXXX bankruptcy in XXXX that was converted to a Chapter XXXX in XXXX. I also had a car loan and 2 installment loans with the same company. Upon converting to Chapter XXXX, I reaffirmed the car loan and the installment loans. These loans have subsequently been paid in full. Payment history was given to the credit bureaus each month. 
Virginia bankruptcy law does not allow the reaffirmation of mortgage loans, therefore, I was unable to reaffirm those loans. I have paid these loans on time every month, before and after filing the Chapter XXXX. My payment history for the mortgage loans is not being reported to the three credit bureaus. 
I was told that they choose not to report because I am not " truly obligated '' to pay because the loans were discharged. I can continue to make the payments and when the loans are paid in full the deed will be released. 
I get mortgage statements every month, pay the bill via bank transfer, my homeowners insurance and taxes are paid from an escrow account, and I receive documentation for tax purposes at the end of the year. Everything is handled by this credit union except the bureau reports! This is arbitrary and capricious and disparate treatment. I pay my bill on time like other customers who have not found it necessary to file for bankruptcy protection. Why are my payments not reported? 
I was told that I could always refinance with another institution. I currently have a 4 % first mortgage. 
Not having my current mortgage payments reported, has had a detrimental impact on my credit score.  Therefore, refinancing will cost me thousands of dollars and add years to the loan. This is not fair! Why does a non-reaffirmation of a mortgage prevent the reporting of my true and actual payments to the credit bureaus?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
This complaint is an addendum to a previous compliant ( XXXX ) which was not adequately investigated. Comenity Bank denied me a line of credit without running a hard or soft pull on my credit. Once denied, I pulled both XXXX and EXXXX showing that Comenity, either through negligence or discrimination, did not follow the Equal Credit Opportunity Act. I would like an investigation into the issue, requiring Comenity to prove that they follow fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Problem : Offending company : Bridgecrest my mother Missed two car payments consecutively, instead of her just letting make up the payments, Bridgecrest ( https : //www.bridgecrest.com/ ) wouldnt let her pay the payments, then said she had to pay up the whole loan of {$19000.00} or they would come and take the car, and they wouldnt let her pay the overdue payments. Then they took the car and sold it off at auction. This was a cruel and unusual action that was not justifiable with only two missing payments, she had paid off a fifth of the loan already which is proof she was capable of paying the full loan, she makes over $ XXXX a year and we were left stranded without a car. 

The reason i think this is illegal and immoral is because of ( 1 ) the fact 1/5 of the loan had already been paid off, which makes it highly suspiscious for a company to jump the gun on reposession so quickly. And ( 2 ) because they would not allow her to pay the missing payments, forcing her to pay the full amount which is outrageous. 

My mother now has another car that she purchased at a more reputable dealership. 

You can also see similar complaints online here : https : XXXX How many payments she had made : 16 How much the payment was per month : {$350.00} The full loan : roughly {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: PA

Complaint narrative:
I am in the Public Service Loan Forgiveness program. I have been continuously employed at the same institution since XX/XX/XXXX, have made all scheduled payments, and have submitted annual employer verification forms. I have kept records of all my payments On XX/XX/XXXX received a " Pslf Qualifying Payment Update '' after submission of my annual employer verification form. It accurately  listed 14 qualifying payments between the period of XX/XX/XXXX - XX/XX/XXXX. 

Today ( unprompted ) I received another " Pslf Qualifying Payment Update '' that counts only 2 payments in that same time period XXXX XX/XX/XXXX - XX/XX/XXXX ). I do not know why they are counting 2 instead of 14. Again, no changes in employer or payments or any reason at all why 12 payments should not be counted! 

It appears the reason why these payments are not counted is because in spite of the fact that I submitted annual requests to avoid " in school deferment '' of my loans ( most recently, submitted " School Related Deferment Waiver '' on XX/XX/XXXX and received confirmation by phone on XX/XX/XXXX that it had been approved ), they *retroactively* put me into School Related Deferment beginning on XX/XX/XXXX, *retroactively* counted my on-time payments therefore as " pay ahead, '' and therefore are not counting them toward public service loan forgiveness. 

This is an absurd abuse of the In-School Deferment Waiver ( which I did not want or use and which I clearly attempted to waive in writing using their online form ) in an attempt to assure I do not receive Public Service Loan Forgiveness. 

Can you assist me in removing this unwanted, retroactive in-school deferment and assuring that my accurate count is reinstated? 

Many thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I was granted a loan modification but could not afford the new, modified payment, I have entered into the short sale program with Shellpoint and submitted a fully executed offer today, the XX/XX/XXXX. My sale date is in three days and I am imploring you to postpone it so that I may liquidate my home and move on. Shellpoint will retain much more money this way and it will spare me the tragedy of being foreclosed upon. My agent will get you anything you need and is the one who has saved me from being foreclosed upon, to date. I am fully on board to sell and just need a bit more time to allow you to process the short sale file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$560.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation