vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few weeks back I had called to speak with a Capital One representative to shut down may account in which was on a secured XXXX that I had initially secured with {$99.00}. 
A week or two had passed after not being sent the money that I was owed and I on the XXXX on XXXX about XXXX -- of this year spoke with a representative whose first name was XXXX ( employee ID XXXX ) who had confirmed with me that the prior representative that I had spoken to did not shut down my account ; and, stated that I would be receiving a check of my total credit of {$180.00} in 7-10 days. So, I wanted to make sure I understood her correctly so clarified weather it would be 7-10 calendar days or business after which point she told me it would be 7-10 business days. 
Then on the XXXX I got a call at about XXXX XXXX from a representative ( employee ID XXXX ) that was trying to make me agree on a recorded line that I was due only a check for a pennywhich I did NOT concur with as I was due {$180.00} as XXXX had stated to me on the XXXX. 
Before this occurrence I had logged into my Capital One account online and did see that in fact I was due a credit of {$180.00}. 
I later that day called and spoke with XXXX ( employee ID XXXX ) who had confirmed with me that in fact I was due that credit via check of {$180.00}. 
I has been almost a month since I originally requested that my account be closed and that the money that was due be reimbursed back to me. 
Also, any time I had requested a copy of my last statement I couldnt get a representative to do so I didnt get any where which I believe they are not letting me have because it would clearly show that I was due that credit of {$180.00} at the time of requesting the closure of this account. 
I hereby affirm that I am owed {$180.00} and demand payment of this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XXXX  is reporting a debt in collections by the bureau since 2010. 
I did not owe this amount as it was billed for work I did not agree too. 
I have explained this to XXXX  XXXX XXXX and XXXX  and XXXX   is the only reporting agency that wont remove this item from my file. 
It was never an authorized charge. 
It should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: HW Holding, Inc
State: IN

Complaint narrative:
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX  has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

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 2018-02-21 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: NY

Complaint narrative:
contacted this company several times to advised I was a voctim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
This regards two purchases made from XXXX on an XXXX XXXX credit card. The card advertises a points-based reward program, but twice I have tried to use accumulated points toward purchases at XXXX, and I have receipts from XXXX that show the points were supposedly applied and my balances reduced, but when the XXXX XXXX credit card statement arrived, both orders were charged full price. 

One purchase was made XX/XX/XXXX. The original price was {$19.00}, but after rewards points, it should have been {$18.00}. My credit card was charged the full {$19.00}. ( I have an XXXX receipt showing that my total should have been {$18.00}. ) The second purchase was made XX/XX/XXXX. The original price was {$10.00} plus XXXX cents tax, for a total of {$11.00}. I also had a separate rebate of {$5.00}, bringing the total down to {$6.00}. Then I applied enough points to cover the entire transaction, so I shouldn't have been charged anything, but my credit card was charged {$6.00}. ( I have an XXXX receipt showing that I owed nothing. ) I called XXXX to resolve the issue, and XXXX blamed XXXX XXXX. I then called XXXX XXXX, and the customer service representative acknowledged that this is a recurring problem but said she could do nothing to resolve it. I asked to speak to a supervisor, who said that XXXX had evidently reversed the points after the transaction. ( The orders were not returned, so I'm stuck with the full pre-points balance, and no one can resolve it. Both sides are blaming the other side. ) I got this card because of the rewards program, but for reasons that no one can explain, I can not use the reward points. This smells like fraud to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: OR

Complaint narrative:
Hello - I opened an account with BBVA Compass bank on XX/XX/XXXX under a bonus offer to receive a bonus of {$200.00} in exchange for doing at least {$300.00} in direct deposit, which i fulfilled two separate times on XX/XX/XXXX and on XX/XX/XXXX - i was told that i would receive the bonus within 60 days of meeting the bonus requirements. I did not receive any promotional bonus as of this writing, and after submitting my case to BBVA compass several times via secure message, they have told me twice that it was under internal review, only to not respond any further - once on XX/XX/XXXX ( representative XXXX ) and then again on XX/XX/XXXX from representative XXXX - both promised a 24-48 hour response with no avail. I am very unhappy that this process has been so difficult and that BBVA Compass has been so poor at responding to my requests. 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When they changed my address they put a typo in your first name. Now the want me to send them info in the mail that Im not comfortable with, like my social security number. They ask for Id, s I dont have like bills with my name that are in my husbands name and aXXXX ; Im retired. The dozens of questions they ask for me to verify who I am are ridiculous. They seem unable to go back three months and see my correct name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I purchased some solar panels from a company called XXXX XXXX on XX/XX/17. Included in the total {$1000.00} charge was a separate line item for {$340.00} of shipping charges for the components. After the payment was made, the vendor and I agreed that, I myself would arrange and pay for the shipping and the vendor agreed to refund my {$340.00} in shipping charges. This never happened. I tried to email and call the vendor multiple times to no avail. I tried to dispute this with XXXX to no avail. So far Bank of America has also refused to credit me back the {$340.00} shipping charges even after multiple phone calls to them. I have provided much documentation to Bank of America to support my claim.

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 2018-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient bought my student loan from XXXX XXXX on XX/XX/XXXX. My loans have always been in forebearance or deferrment. As we all know before a deferrment or forebearance is approved sometimes there are late charges that the company then removes. I had no late fees with XXXX XXXX when my loans were taken over by Navient. Now all of a sudden in XX/XX/XXXXaround XXXX they are telling me I owe them late fees and upon their research they happened at XXXX who number one never serviced my loans and number two as previously stated there werent any. Im finding it very strange that number one they took over loans in a complete amount and Im not sure how they think they can add late charges from another company. Im not sure what kind of deceptive business practices this company is trying to pull but Im not having it. These fees are fraudulent and all of a sudden and they are incorrect!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Service of Central Washington, Inc.
State: WA

Complaint narrative:
I am writing this complaint against XXXX XXXX XXXX in XXXX XXXX, WA. Specifically a lady named XXXX XXXX XXXX. I called her back in the beginning of XXXX for a debt from a landlord. She threatened to 'see me in court ' and hung up. I called back and asked to speak with someone else and they persisted to transfer me to XXXX XXXX. They have proceeded with court and so I responded with a letter and filed it with the courts. 3 weeks later got a letter from the attorney saying I had failed to respond and somehow got the judge to sign off on it. So I let XXXX know that I in fact had responded. In that conversation, I again tried to compromise on a monthly amount ( I had in the past and she was unwilling to budge at all ). We settled on XXXX a month but I informed her that I get paid on the XXXX and XXXX of every month, She then said nope we HAVE to have a payment in by the XXXX. I told her that waiting a weekend until the following Monday wouldn't hurt. Still unwilling to budge. Unless you do exactly what they want when they want it, it doesn't work for them. I have reached out to my community to see if they have had any issues with them a TONS of people stepped forward to say that they all have been treated very poorly, one even thrown in jail and a warrant out for their arrest. I dont understand how the courts keep letting this agency do the things they do and treat people the way they do. Everyone makes mistakes, everyone has debt, doesn't make you a bad person or worthy of that kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA

Complaint narrative:
I applied 6 loans with Franklin American Mortgage Company. 

The lender approved the loan. They asked me to submitted additional documents. I submitted everything and cleared all conditions they asked for. All conditions were cleared. They also even allowed us to proceed to input fees to order final loan documents. 

All of sudden, they denied all 6 loans WITHOUT ANY REASON. We were asking for the real reason and they did not tell us. Even their employee ( account executive ) did not know the reason. 

They did not send me the lender with the reason they denied the loan. When my broker asked, they send me a letter with the reason as " Unverifiable Information ''. This is NOT correct as I provide them all information they ask for. 

After many times begging Franklin to give my broker the real reason the loans were denied, they still did not provide the real reason. The only reason provided through the Account Executive ( XXXX XXXX ) was that borrower failed to disclose properties. This was not true because we did provide all properties as soon as lender asked for. Not until XX/XX/2018 ( after I pressed for the true and honest reason ) that Franklin American told me about the exception ( that they only allow up to 4 properties and if more than 4 properties, exception is needed ). Why Franklin did not tell us upfront the real reason? They did even cleared this exception conditions in their website. And if the exception of 6 properties was the real reason, why didn't they deny two loans and still allow me to proceed with 4 loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: KY

Complaint narrative:
A bill that I owe XXXX XXXX XXXX was sold to RPM by XXXX XXXX XXXX. RPM was calling me approximately 10 times a day. I expressed to them that they were calling me while I was at work. yet they continued to call all day. When I talked to them on the phone they told me that if I did not set up a payment plan they were going to turn the bill over to an attorney and report it to the credit agencies. I told them when they expressed this that they violated the Fair Debt Collections Act. The person on the phone told me that he did not know that company.. I had to explain it to them. I asked numerous times for them to send me a paper statement so that I could put it into my bills and get it into my home budget so I could make payments. It took them 2 months to send me a bill. When I called to try and make a payment over the phone they said that they would not accept any payment that was less than {$500.00}. They refused to accept any lesser amounts twice and I was told that if I was to pay any less than that I needed to send a check. As soon as I received the bill I sent a check. They now have reported on my credit report as " Collections ''. I have no other derogatory remarks on my credit report other than from a company that is impossible to work with, I did not even have an address to send a payment to for nearly 2 months.

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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
ocwen is attempting to foreclose on my home with a fraudulent assignment. the assignment is robo signed and was conveyed after the cut off date of the trust filed with the united stated securities exchanged. i contacted them for a modification they sent a work out package i sent it back in as instructed by the relationship manager. i called them and they said they were reviewing for assistance. Nonetheless the didn't modify the loan and trying to foreclosure before even giving me an answer on the loan mod. this is dual tracking. i have a fraud affidavit on the assignments being used

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.

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 2018-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: GA

Complaint narrative:
I recently submitted a complaint about how Equifax stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. Equifax did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party XXXX. The information purchased by Equifax from XXXX has redactions that are required under XXXX XXXX laws. XXXX is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. XXXX then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, XXXX and Equifax have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that XXXX and Equifax be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21 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: ERC
State: ID

Complaint narrative:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.

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