vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: ERC
State: TX

Complaint narrative:
A personal loan, and credit card, and a XXXX XXXX  account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. 

The following accounts were open : XXXX XXXX XXXX XXXX Personal Loan : - $ XXXX- currently charged off. 
Credit Card : - $ XXXX- currently charged off. 

XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. 

XXXX XXXX has sent me a fraud account letter which I have completed and returned back to XXXX XXXX XX/XX/XXXX. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Purchased in XX/XX/2018 a washer and dryer from Home Depot Stores, XXXX XXXX IL. Canceled said order two days after initial order since we decided on NOT purchasing said units. Home Depot Credit continues to bill us for the original purchase and also the extended warranty and refuses to remove said charges from our dedicated Home Depot Credit Services Card. We have disputed these charge since XX/XX/2018 billing and it is NOW XX/XX/2018 and Home Depot Credit Services is still billing for the Washer and Dryer and Warranty that we never received and had canceled. We have called, emailed and written Home Depot Credit Services and yet they have failed and refused to acknowledge the fact that 1. We canceled the purchase and never took possession and 2. They continue to bill us for services and products never received. 

XXXX XX/XX/2018

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 2018-11-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Due to a house remodel gone awry, I need to transfer money from my HELOC to a balance transfer credit card to free up funds on the HELOC and have some time to pay it down at a lower interest rate.

I contacted Chase for this since I already have two cards with them. I was approved for a large amount. Additionally, I moved available credit from my other two existing Chase credit cards to this new (
Slate ) credit card. They had said I wouldn't be able to directly pay the HELOC, but should be able to pay a checking account I could use to pay the HELOC, or another method. I was approved, I got the card. And then I found out there was, in fact, no way I could use it for any sort of balance transfer, as the only thing it's good for is credit card-to-credit card. I don't carry a balance on any of my credit cards and pay them in full each month, as they could obviously see when they pulled a hard inquiry on my credit. 

So now I have a shorter average for my credit history ( subtracts points from one 's credit score, as it has done to mine already ) and a credit card with a huge limit that I can not use. 

By the way, this is not the first time Chase has pulled something like this to me to reach their sales numbers, and I'm happy to report that one too ( whose implications are far greater, and life-threatening to my family as they said we had to move into our unsafe house in order to fund the HELOC, but assuring us we'd been approved for it. Then they denied it based on the house 's unsafe condition -- by the time we were living there. )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Credit Recovery, Inc.
State: LA

Complaint narrative:
My wife had a medical procedure denied by my health insurance company XXXX. I filed all of the appeals, but the denial was upheld as experimental. The procedure in total was over {$26000.00} and now Southern Credit Recovery ( SCR ) has failed to operate in good faith. I have contacted the company on  numerous occasions since receiving the first collection letter and as of this date they continue to do nothing. I faxed them an offer of settlement on XX/XX/XXXX and again on XX/XX/XXXX with no response other than notifying the credit bureau of the collection account. Today I spoke with " XXXX '' who was unprofessional and could not answer any questions on the file. A complete waste of my time.

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 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Our home was flooded by Hurricane Florence and our Flood insurance company sent us a check in our names and the mortgage company Nationstar Mortgage d/b/a as Mr Cooper.

I registered my disaster claim with Mr Cooper on XX/XX/XXXX and received a Tracking number and information. 

I have been asking questions for more accountability and transparency of them for how my claim check is going to be handled, such as : XX/XX/XXXX Why is my claim monitored diffently then my flood Matthew disaster? I was told Fema guidelines and because of the amount of my check. Is my money going to be placed in a interest bearing acct.. I was told no. Later I am told yes. Every time I call the special disaster relief number I speak with a different person and receive conflicting information from before or new information that gives me a little bit of the BIG picture of how and where is my money being held. No accountability to me how they are governing my check and Not fully being transparent to me what I have to do to have some of my money sent to me for needed repairs as well as reimbursement of our out of pocket expenses. 

I have been asking basically the same questions over and over again and have requested this information be put in writing to me. As of this time and date I still have not received this information. 
I have been told it is on the website. Just need to register and I can read it there. NO it is not on : XXXX So I call back again, I am told I can find the information on MrCooper.com. NO its not there either.

I can go on and on how I get the run around from Mr Cooper servicing department.

# 1 When I send this claim check in I want to know who and where my money is being held. This money is not a payment and not escrow money.

# 2 How is the money held? Trust acct? Escrow Names on acct etc?

# 3 insured?

# 4 Can we do self contracting? What are guide lines? And Hire Contractors too!

I have been asking these questions and have asked it be put in writing and as of this date have not been given or received requested information.

This is our home. We have had an Excellent mortgage history on this loan before Mr Cooper took over and since he took over. We repaired our home after the XXXX Hurricane Matthew flood. We have continued to improve our home and will do the same to repair and improve our home after this Hurricane Florence disaster.

I feel we and any consumer deserve more respect than what I have received from Mr Cooper and full transparency and accountability for this insurance money they want to hold. Today is XX/XX/XXXX.. They have had long enough time to honor my request so we can move forward to repairing our home. They have left me in limbo long enough. I request your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, a charge of {$330.00} was drafted from my account from the XXXX XXXX XXXX XXXX for a student loan. 

I contacted my student loan servicer, Nelnet, and they stated that as of XX/XX/2018, all of my student loans on record are in deferment due to my in-school status. They stated that they show no record of any payment being taken from my account on their end. They said they would keep an eye out for the transaction to appear on their records. 

I contacted my bank and disputed the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Received post card on Monday, XX/XX/2018 advising of a NSF fee charge of {$38.00} on XX/XX/2018 for payment of check number XXXX for {$50.00} with a balance of {$44.00}, see attached image. 

I have reviewed my account online. When the check cleared the balance was {$210.00}, see attached image.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: CA

Complaint narrative:
When I was in college and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with US Bank. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from US Bank for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the US Bank branch that everything was current ). I have disputed this with US Bank directly, as well as XXXX, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.

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 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: OK

Complaint narrative:
Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a XXXX XXXX XXXX XXXX account status on my Experian Credit Report showing " Derogatory ''. There was time when I was out of a job and couldn't keep up with my payments. This is true and should have been reported as such. However, I've righted that ship getting my payments in on time. I've gotten out of default and I'm currently making monthly payments to XXXX on my school bill. So I am now current. I was under the impression that this somehow would be reflected on my credit report. Didn't realize my XXXX XXXX XXXX account would be closed and thus not being able to show that I was making payments there. This is a dilemma. Experian still has this account as derogatory when my account was and is current when it was passed on to XXXX. It is not expressed this way on the other two credit bureaus and I believe is seriously affecting my ability to strengthen my credit. If you wouldn't mind, please see if there is a better way to represent how this account is expressed so I am able to build my credit. Thank you.

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 2018-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: CT

Complaint narrative:
This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment. 
My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : " Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. '' I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn't have that in my record and would not release any part of my file without a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
In XXXX, I cosigned for a friend, XXXX XXXX, on his automobile which was a XXXX XXXX XXXX. The car dealership was called XXXX XXXX XXXX and it went out of business some time later. At the time, the car was worth {$3800.00}, and it was a lemon. XXXX was an abusive man and went to jail some time in the late XXXX and stayed in XXXX for 10 years. I was not working at this time because I had a young daughter with XXXX. She was born with XXXX XXXX. In XXXX, I began working at XXXX XXXX and as soon as I started working, an attorney contacted me requesting payment for the car. I have been paying {$120.00} a month for the last 12 years without missing a payment. And this debt has been sold from law office to office. Currently, it is XXXX XXXX XXXX that is contacting me for money. This last month, my granddaughter ( who is currently in a XXXX  hospital ) stole money out of my account. I tried calling XXXX XXXX XXXX two weeks ago to inform them that I would not be able to pay using my bank account, but I still paid today ( XX/XX/XXXX ) using a credit card at XXXX XXXX. Even though I still made my payment, they are contacting me and telling me that my account is under review and that are going to garnish my check. I am tired of being taken. I have payed over {$13000.00} and they are telling me that there is still {$12000.00} left to pay. I don't know what to do at this point, and any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I was in XXXX  and dealing with some severe health problems, my parents stepped in and helped out with a credit card I had at the time with XXXX XXXX. According to my mom, she closed the account, not realizing the negative impact it would have on my credit. When I got older and viewed my credit report, I noticed a negative item from XXXX XXXX for this account, stating there was a {$260.00} balance that was charged off. I contacted the local branch closest to me ( XXXX XXXX XXXX XXXX ) in XXXX where I was working at the time and made arrangements with the branch manager to pay IN PERSON in several installments. This balance was fully paid as of 2015 at the latest ( I no longer have the specific dates ; I threw out the receipt last year because they told me at the XXXX XXXX branch that everything was current ). I have disputed this with XXXX XXXX   directly, as well as Experian, but each company tells me I still owe the {$260.00}. This information is simply incorrect and it is hurting my credit years later.

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 2018-11-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have initiated disputes with AMEX about a moving company 's failure to look for appropriate repair shop to repair a piano damaged during the move. AMEX has closed a case XXXX prematurely based on response from the vendor. AMEX did not offer me an opportunity to rebut. 

When I started a new case XXXX to rebut, AMEX simply said it was not in their jurisdiction to resolve and then quickly closed it again. 

As of now, the piano is still not repaired by the vendor. The price I paid for the moving services was of premium services which included repair services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Account number XXXX XXXX  XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX  account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013  along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best 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 2018-11-27 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: NJ

Complaint narrative:
I have a charge on my credit card for {$470.00} for XXXX XXXX. When I saw the charge, I immediately reported is as fraud. The credit card company removed the charge form my account. In addition, when I called to report the fraud, the credit card company told me that someone tried to access my account from a different phone number. The credit card company only notified me of this when I called to report the charge as fraud. 

A few weeks later, the credit card company recharged my account for the fraudulent transaction. I spoke with someone in their fraud department and I was told that there was an investigation done, but that the details of such investigation were not clear and the credit card company would have to look in to the matter again.

Company response to consumer: Closed with explanation