vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-11 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I've called XXXX 3 separate times today and told 3 separate answers to this question : Will filing a dispute affect my credit score? A few times, I was told no or it shouldn't. Then the last time an overseas representative said yes.

My score went down 13 points because I have disputes ongoing and XXXX XXXX in specific said they reported to XXXX  on :XX/XX/XXXX - " XXXX XXXX  reported account under collections with - dispute status - the unpaid balance that was reported is {$710.00}. '' per rep. This account with XXXX XXXX had ALREADY reported this to agenciesXX/XX/XXXX. They told me they report twice in a month. So, for over a year they have reported often with no change in score points until this dipute.

I disputed the account and now my score went down? And the collection representative verbally validated that. A credit monitoring showed it was XXXX XXXX collections due to adding remarks about a dispute - was the reason the score went down 13 pts.

" The FICO score will not allow an item that is actively being disputed to harm your score. When the XB code is present on an account, a public record, or a collection, the FICO scoring system treats it differently than it would if the account was not actively in dispute.

This is where the confusion comes from. The FICO score will not allow an item that is actively being disputed to harm your score. '' Nothing changed as far as a payment, etc. TODAY I asked XXXX to stop the dispute. Also, XXXX should fix my points - add them back to my score.

Lastly, XXXX, nor XXXX touched my score and I disputed with them as well. I have paid off 3 or 4 collection accounts and my score will only go up 1 or 3 points, but it always go down 13 to 24 points if something is added.

Please look into this and have them to add my points back on as nothing happened on my credit report to justify this. Again, actually, I paid / removed 4 accounts and only XXXX barely show an improvement in the scores while the other 2 major agencies shows great improvement.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: AL

Complaint narrative:
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for a chase sapphire reserve credit card but CHASE said that they couldn't verify my Social Security and my information, but they could create a hard inquiry, so I think there was an error in their system. I called them and I said, why couldn't you verify my Social Security when you could create a hard inquiry and they respond sorry we couldn't get your information. So please I want to remove the hard inquiry because this is affecting my credit score. 

CHASE CARD XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due. 
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time.  Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help

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 2018-06-11 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: MD

Complaint narrative:
XXXX XXXX is trying not to give me credit for PSLF payments I made to XXXX XXXX XXXX XXXX XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX to repay my student loans. XXXX XXXX asserts that I had no bills due during the above-mentioned periods. However, I received emails from XXXX XXXX advising me that my bill was due for those periods. I was set up for automatic payments and so my bills for these periods were paid automatically from my checking account. I've attached the emails sent to me by XXXX XXXX showing my billing statement was available and that the payments would be automatically withdrawn from my account. I've also attached a payment printout from XXXX XXXX that shows that payments were made on the above-mentioned dates. If no payments were due, then XXXX XXXX should not have sent me billing statements and withdrawn money from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
We sold our home ( officially closed ) in XXXX  on XX/XX/XXXX for {$300000.00}. At the time of the sale, our realtor provided the mortgage company with our new address in XXXX to send our escrow refund from the sale of the house. The mortgage company ( RoundPoint Mortgage ) got their check wired to them on the day of closing., When we called the mortgage company about 15 days after closing, they indicated it would take about 30 days to receive our escrow refund, suggesting we would receive the check by XX/XX/XXXX, but we were sure to make sure they had the correct address in XXXX. Nearly one month after closing ( XX/XX/XXXX ), we called the mortgage company again, but this time they indicated they sent the check in the mail to the wrong address ( home we sold in XXXX, not the home we were now living in XXXX ). They apologized and said they would send our escrow refund ( ~ {$3000.00} ) to the correct address within the next 30 days and promised us we would receive our refund by the end of XX/XX/XXXX. The end of XX/XX/XXXX came and we still had not received a check. We called the mortgage company again ( for the third time now ) attempting to track down our escrow refund. This time we were kept on hold for over 30 minutes after we requested a check number since they told us the check was indeed in the mail. However, this time they promised us that we would receive the check by the middle of the next week ( Wednesday, XX/XX/XXXX ). We did not receive any check in the mail and are very frustrated with this process. The mortgage company had no problem doing auto-debit from our checking account to get their money every month, and they got paid the day of closing, yet here we are more than 2.5 months later and still have not received our {$3000.00} escrow refund that we planned on using on our next home to buy. Every time we call the mortgage company we get a rep that indicates no manager is on duty and we do not know who else to contact to get our money that is rightfully ours. Any assistance would be appreciated.

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 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i was at homedepot in XXXX ca trying to use my commercial account with homedepot for a purchase of giftcards for a project my company was handling the head cashier called fraud departrment alerted them i was purchasing giftcards and the fraud department called every person listed on the corperation hey did u know that XXXX XXXX is purchasing giftcards every member of our company verified it so then fraud department told head cashier we couldny purchase giftcards with commercial acct no problem i will do purchase order over phone fraud department got mad and put block on account after i made purchases ... .. a week later then they are saying purchases need to be verified no problem lets verify them well we left a reference code on a phone number ok well we no longer have those numbers ok well the only way this can be verified is threw a number thats listed to company thats what i was told from fraud department consumer protection so then i said well when we opened acct those are numbers that where provided and they werent associated with company only members of company well sir we left messages with a reference number for this matter well what number did u do that with cause u said my company phone number are not verifiable to company so u can leave a message with reference number to this matter on those phones but u cant verify phone numbers that were givin when acct was opened i said im not understanding was also told that a letter was sent out which was all lies what going on here is that we have a closed account with citi bank XXXX XXXX and it has a balance and they are punishing us for non payment of said account it has nothing to do with purchases on homedepot account we have had this account for going on 2 years plus if there was fraud it would came up a long time ago and also i feel that there is discrimination going on here because im XXXX XXXX and that was a high fraud area from XXXX XXXX is what i was told but they wont unblock account no matter what we do ... ... ... ... ... this has been going on for 3 months also i have made several payments on acct

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 2018-06-11 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: AR

Complaint narrative:
On XX/XX/XXXX, we purchased a treadmill through XXXX for {$1300.00} on our Chase ( Southwest Airlines ) card. The treadmill was not delivered to us -- with many ( documented ) calls and chats to/from XXXX. We received tracking information showing it was delivered to someone we don't know in a different city. XXXX kept asking for more time to deliver it to us.

On XX/XX/XXXX, after 6 weeks, we disputed the charge with Chase after trying to cancel the order with XXXX. XXXX then challenged our dispute -- stating they had delivered the treadmill. After many calls with Chase, we mailed back to them a 50+-page packet on XX/XX/XXXX showing our paper trail ( chat call logs and dates/times of phone calls, etc ) including the delivery of the treadmill to the other city, not to our home address as it showed on the order. Chase had sent that packet to us -- and it already showed our address on the order, as well as the address in the other city where it was delivered. In talking with Chase representatives, they never seemed to " understand '' that they had the information -- instead putting the onus of proof on us.

Today, XX/XX/XXXX, I received an email from Chase that the " Return Protection '' on my card is no longer available -- even though the dispute has not been resolved yet. I called Chase. I spoke with two different representatives trying to complain about the Return Protection being cancelled. XXXX told me that the service provider for benefits is a different company. I asked her if Chase does not care that this other provider is not handling disputes well and that I plan to cancel my card. She re-directed my call back to the original menu. After being on hold again, I hung up.

I am complaining that my " Return Protection '' was terminated simply because I challenged the charge -- even before the dispute has been resolved. I also am complaining that disputing the charge has been difficult and time-consuming when they had evidence that we never received the treadmill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
i lost my job in XX/XX/XXXX when i stopped paying XXXX XXXX   before that happened i was always on time with my payments when i lost my job i spoke with XXXX XXXX and they refused to work with me and i told them i have no way to pay them so long story short the original loan was for i believe {$2500.00} and now they are saying because i have defaulted that now i owe them $ XXXX and i just started working and they are saying they have the right to garnish my entire check no court order required, they are no help and do not want to work with me i know i owe them money but they have to understand i did not have a job and if i could pay it off all at once i would have already because they are the worse company to work with ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is being calling my brother, I told the to stop calling my relatives, or calling me during my job hours, they never stop, Today I asked the to call me after XXXXXXXX XXXX that I am off from work, and He answered me very rude, you should better answer my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Continues to call after I've told them to STOP calling. I have now received FOUR calls since the last time I notified them to stop calling. Each time the agent who calls says this is the first time they've called, meaning them the person NOT the company. It's a lie and a tactic to skirt around the fact they've been told not to call. I have received no notice in the mail yet they continue to harass me via phone for collection. EACH person says they'll put it in their system not to call then proceeds to still harass me about the debt.

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 2018-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
On XX/XX/2018 I made contact with the XXXX XXXX XXXX about this company, because an entry appeared on my credit report without any knowledge of the company or the amount of money owed. I requested a validation of debt from the company in writing and through the XXXX XXXX XXXX and MidWest Recovery assured they would honor the request and mark all three credit bureaus as account amount disputed. To date I have not receive anything in mail from MidWest regarding the debt owed and to my understanding 5 days after contact the company should honor by sending communication via US mail about the debt owed..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I mailed a check to settle a collection account for less then full balance. Check was received and credited on XX/XX/XXXX however on XX/XX/XXXX company reported the account to all 3 credit bureaus as an open collection with an adjusted balance due to reflect the settlement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This collection is regarding one months rent not paid due to repairs not made in my apartment for 6 months. Letters, phone calls, Registered mail, pictures were sent to manager as well as management company. I have copies of everything sent for 6 months. According to the written lease I had every right not to pay. I moved out in XX/XX/2017 and havent had a letter or phone call regarding this collection. NO CONTACT WHATSOEVER. I was alerted by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OH

Complaint narrative:
XXXX XXXX  XXXX, where I hold two checking accounts, charges a {$15.00} fee for excessive transfers. When I opened my accounts, I transferred money BETWEEN these two accounts and learned of these fees the hard way. The bank explained, and refunded them, however the local banker and the phone bankers differed in the amount I was allowed to make ( one said 3, the other said 7 ). Ok so lesson learned, right? 
Apparently they also consider PURCHASES MADE VIA XXXX as the very same kind of " transfer ''! This was not only something unknown to me, but I didnt realize this until they charged me FOUR MORE TIMES - {$15.00} EACH - for what I discovered were my XXXX transactions as I had drastically reduced my transfers after the limit was explained. 
Again - I made TRANSFERS and was charged these fees, then they were refunded. 
I did not know a XXXX purchase/payment was considered the same. Nothing anywhere said that. 
This is the summary, however it has now been three months since Ive requested a refund ( and disconnected my XXXX account from them ) and they are giving me the runaround. This is unacceptable. The last contact was XX/XX/2018 when XXXX XXXX advised she needed special permission to refund the fees. 
Please remember, there was no " bargain '' here - I did not request, nor did I expect any separate service not promised to me by this bank. Their actions would be much more heinous if i were poor - but every bit as wrongful in my case. 
XXXX Note : They also charge {$3.00} a month for paper statements BY DEFAULT for new accounts - and dont give any clear instructions on how to prevent this - I had to go into the branch and be shown where to click a button to stop it - pilfering! )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-11 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: MD

Complaint narrative:
On XX/XX/14i visited XXXX XXXX dental office for extraction inform them at time of visit that i changed dental insurance from XXXX XXXX XXXX to XXXX XXXX gabe my XXXX XXXX card paid my copay and the billed XXXX XXXX XXXX and XXXX XXXX for services when XXXX XXXX inform me and said for them to resubmit without XXXX XXXX on bill they did not my XXXX XXXX # XXXX group # XXXX i work for XXXX XXXX insurance automatically come out my pay i ask XXXX XXXX if i could pay one dollar just to get it of my report they refuse dont see how this could be my fault if the billed incorrectly XXXX remove it and so did XXXX. XXXX wont even let me file a dispute again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: MS

Complaint narrative:
I applied for a loan back in the year of XX/XX/XXXX. I didn't receive the loan until XX/XX/XXXX. It was confusing about the loan getting to my account. My federal staff loan was XXXX and I didn't receive anything but only XXXX XXXX dollars. The school kept the rest to pay off the degree. I have a developed a business plan to pay back the school debt for borrowing the loan. Now I can't borrow anything. What can I do here?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I was shopping at TJ Maxx in XXXX XXXX. When I was checking out the clerk asked it I'd like to open an account. I told her no, that I'd already had an account with TJ Maxx and  that apparently when the card isn't used frequently enough the account is automatically closed. The clerk said that she could just open my old account. She assured me this wouldn't be a new account, just an opening of the old one, which she does all of the time. I agreed for her to re-open my old account. The  truth was she opened a new account, but led me to believe otherwise. This was very misleading. The new account and the check into my credit immediately dropped my credit score 9 points, I don't know if it will drop anymore.

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