vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-25 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: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
I contacted my credit card company on XX/XX/XXXX about a purchase I made on XX/XX/XXXX. I purchased three products from a kiosk, owned by XXXX XXXX, at a shopping mall in XXXX, TN. The products were demonstrated by applying them to my face and after the sales person reduced the price three times I finally purchased the products for {$380.00}, good for today only. After the purchase the sales rep said she would email me the instructions on how to use their product. When I returned home the next day I opened my products and read the instructions the sales rep. XXXX had emailed me. The first this I noticed was the instructions on the product box were different from the instructions from the sales rep. Her instructions said to use " once a week '' the box said " Daily application ''. There are other discrepancies like the sales rep saying the product contained collagen, but its not listed in the ingredients. I decided to go ahead an try the product I had because it had worked well at removing the bags under my eyes. The sales rep told me to apply before bedtime which I did. As soon as I applied the product I could tell it was not like the product she had applied to my eyes at the mall. I left the product on my eyes overnight and when I got up the next morning the skin around my eyes was irritated, red and wrinkled. This product is horrible and it was obvious the product was very different than what the sales rep said she was selling me. When I looked at the sales receipt I noticed on the bottom it stated " No Refund. Exchange only within 14 days with unopened product '' I contacted my credit card company explaining what had happened along with all the documentation and after several weeks I received a letter stating they would not issue a refund because I made an in person purchase. This made no sense because you can still be scammed in person. I contacted XXXX XXXX and was told they have high quality products, they won't give a refund. 
I feel the credit card company, Barclay, made no effort to resolve my issue even though this company pulled a bait and switch.

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 2018-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Our loan was transferred from XXXX to Rushmore and they did not send our Forebearance information from XXXX and we are now receiving threatening mailings from XXXX XXXX XXXX. I also sent an the approved Forebearance Attachment to Rushmore over 2wks as well to : XXXX and did not receive any acknowledgement. This is causing tremendous XXXX to my husband and I as we have gone through enough with our XXXX  who was XXXX for over 34 days in XXXX which has caused tremendous XXXX and extenuating financial circumstances which is why we had to go through the loss mitigation process with XXXX XXXX and we thought all the information would be transferred seamlessly to XXXX XXXX XXXX. However, we are still receiving threatening notices from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NE

Complaint narrative:
Daily multiple harrasemnt by phone for a debt that is not owed. Have sent proof multiple times to Seterus Inc. they refuse to correct their accounting errors. They have sent people to my home multiple times have illegaly entered my home, I have been threatened with physical harm by these people. I have served Seterus twice with cease and desist letters they refuse to comply, They have violated FTC rules and regulations have misshandled funds have illegaly held funds causing late payments and pyramiding late charges, they send monthly threats for two years to place me in forclosure, One of their inspectors was caught in my garage when I confronted him he brandished a XXXX XXXX XXXX forcing me to flee inside in fear of my life. 
They have made it so my family does not feel safe in their own home. Have trespassed multiple times on my property after being served in writing that they are not allowed on my property. I do not even know how they ended up with my mortgage.

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 2018-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
A rep by the name of XXXX advised me there is a credit balance in the amount of XXXX on my account with Continental Finance LLC, I do not have account number available to me as account is closed. A payment in the amount of XXXX was mailed on XX/XX/XXXX which covers the statement balance of XXXX. Today, XX/XX/XXXX, XXXX advised me I am due a credit in this amount, fees were credited back prior which covers the balance. If this information is correct, I am owed a check in this amount.

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 2018-05-26 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX failed to provide me proper services. I had spend countless hours with them. I finally gave up and cancelled services they agreed for certain credit and asked me to pay certain amount, which I paid immediately. They later on have decided no they can't I have no idea why. They kept sending me letter. I contacted them on few occasions and every time they said they will get it resolved, I should not worry. XXXX later on sold my account to collection company XXXX I spoke to collection company they agreed to put the account in dispute and not to inform credit bureau. They said they will contact XXXX and get it resolved. Well they didn't and reported to credit bureau. I called XXXX today they said they have sold my account so they don't care. I requested for the transcript of my conversations. They pretty much refused. How can organization like XXXX do that to their customer. In fact they owe me money for time energy frustration and I couldn't work for months because of service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I paid off accounts on my credit, the balances still showed on my trans union credit file, I filed a dispute, it went thru the process 30 days, I received an email telling me my updated credit file was available, when I looked on my trans union account, 2 accounts were still showing one for XXXX XXXX XXXX for {$29000.00} and one for XXXX XXXX XXXX for {$8900.00}. I called trans union and was told they could only file another dispute, I told them no they should have gotten it correct the first time, im waiting to get some financial things done on my account and now still have to wait, they seem reluctant to help, with what they should have gotten correct the first 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 2018-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/2017 I placed an order online with XXXX for a XXXX pair of boots. The boots were sent to our new address but we never received any billing even though we gave XXXX the information during the order. We are applying for a mortgage and were told that this account had a dramatic effect on my score. In 39 years I have never had any bad debt or issues with paying on time. In fact we have always been tier 1 with no issues. I did contact XXXX multiple times and was told I cant talk to anyone in the department handling the issue and would have to wait until they get to it. The account was paid in full and XXXX removed all late fees associated with the bill. My score seems to have been drastically reduced by this issue and now as we are applying for a mortgage has an affect on our ability to get the best rate. I need to have the scores redone to show this issue was resolved and have my score amended. What can be done to have this issue resolved so as not to affect my mortgage. I cant understand how a XXXX invoice can have that large of an affect on tens of thousands we pay on time yearly. I thanks you for your help in this matter.

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 2018-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX never informed me of my annual payment due date. I received no email, no regular mail and did not have a balance on the XXXX XXXX XXXX Website account to even pay. I was given no chance to pay it nor did I even receive a late notice with at fee. They simply sent it straight to the credit bureaus. In doing so, my score dropped over 90 points. My credit was an excellent XXXX and now has dropped to merely " good '' rating of XXXX. All for a XXXX dollar payment they never told me about ( which I have since payed. ) I have never missed a payment of any kind with them.

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 2018-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
The company in question is US Bank, our mortgage provider. 

We are attempting to remove our monthly MIP ( mortgage insurance premium ) from our bill. Per FHA and guidelines from US Bank, the following conditions must be met : 1 ) The loan must be 5 years old ( we closed on XX/XX/XXXX ) 2 ) The LTV ratio must be 78 % of original value. Per their own documentation ( attached ), we need our balance to be below {$180000.00}. Our current balance is {$180000.00}. 
3 ) We must have a good payment history ( we have zero missed or delinquent payments in our payment history ). 
4 ) We must submit a written request to remove the premium, which we have done and they have received. 

On XX/XX/XXXX we received a letter from them which spelled out all of the requirements ( see attached letter ), which we have now met. On XX/XX/XXXX, we made a large lump sum payment to bring our mortgage balance down to below the 78 % LTV ratio threshold. On XX/XX/XXXX, we sent a letter to the email address specified by US Bank as our written request for removal of the premium. This was confirmed to be an acceptable way to request removal of the premium. 

On XX/XX/XXXX, we called to check the status of our request, and a customer service representative for the bank told us that we were a " few hundred dollars off '' and would need to pay some more. Our balance and the letter show otherwise. I feel that we are being ripped off. We will continue to escalate with the bank, and, in addition to contacting the CFPB, we will be contacting our local representative, as I have heard this story too many times among friends of mine who have also attempted to remove MIP. We appreciate your time in reading this complaint, and hope to come to a resolution soon.

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 2018-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails equifax refused to block XXXX XXXX XXXX account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been disputing Experian over what they have on my report for the last 2 years, they keep stating that my student loan was included in a bankruptcy and I have already sent proof that it was paid in full. They keep stating that the information is not sufficient. I have sent the even a letter from the Dept. of ED stating that it was paid in full and not included in a bankruptcy ( which is not allowed by the way in CA ) and they don't change anything. I believe that they are just rejecting the claim and not investigating anything. they are hurting my credit score because I have to pay higher interest over something is not even accurate. they need to fix the problem or at least update my credit report. Attached is another letter from the Dept. of Ed dated XX/XX/2018, stating that it was paid in full and that they can contact them to the XXXX. XXXX XXXX XXXX XXXX is they wish to confirm the information.

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 2018-05-26 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: FL

Complaint narrative:
I have a debt amount with Navient of {$75000.00}. I have called Navient multiple times over the years of 2008 to current, to better understand why I have a student loan amount this high. It has increased over the years due to interest. But the amount that it started out was way too high to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
Around mid XX/XX/XXXX I starting getting calls from XXXX XXXX since my wireless provider flagged the number as suspected SPAM/Fraud. I refused to answer the number. The calls keep coming daily and multiple times per day. I finally out of curiosity answered the a call later in the month XX/XX/XXXX around XX/XX/XXXX of the month. I asked who they were and why were they calling me. They refused to id themselves and asked for my birthday social security number to id me before they would tell who they were and why they were calling. I told them I would never provide sensitive information that could result in ID theft to unidentified caller id as SPAM suspected Fraud by my wireless provider. They still refused to say who they were and demanded my personal info again. I hung up on them. The calls kept coming and I decided this time to co call back around the end of XXXX hoping to hear a company name or information. None was provided Rep picked up refused to say who they were. Again demanded my personal information before they would provide who they were and why they were calling. On XX/XX/XXXX I got letter dated XX/XX/XXXX from State collections Service Inc with XXXX number listed that was calling me. I proceeded to call and asked why? the couldn't have said I'm with State Collections Service Inc and I'm debt collector attempting to collect a debt? The person said we don't do that until we verify we have the correct person. This is appalling a debt collection company will not at least say who they are. How is that in line with FDCA orr ACA  practices? I settlement the final amount owing to the Hospital and bill is not paid in full. But, I wanted this complaint noted as I don't see how the XXXX gives this company A+ with all the negative complaints. How is anyone raving about debt collection company that calls you for weeks before sending the letter on the debt. In this day and age of rampant ID theft how is it fair practice to call people and not at least saying your company name and your debt collector? Where is that problem you're not discussing the account they're calling on or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my Bank of America credit card was charged without my authorization : XXXX*VACATION PKG XXXX CT XXXX XXXX XXXX * NY XXXX XXXX   XXXX * NY XXXX After contacting BoA about these fraudulent charges, my account was initially credited with the disputed amounts. On XX/XX/XXXX, I received a message from BoA asking me to call them within 5 business days. I spoke with a representative of BoA on XX/XX/XXXX to confirm that I had not authorized these charges. On XX/XX/XXXX, I received a letter that a credit was issued to my account and the dispute is considered resolved. On XX/XX/XXXX, my new credit card from BoA was charged again with the disputed amounts and I received a letter that I failed to contact BoA in time, hence I'm now responsible for the balance on my credit card account. I sent a letter to BoA on XX/XX/XXXX, stating that I did in fact contact them in time and I again disputed the charges. Today ( XX/XX/XXXX ), I received another letter from BoA, dated XX/XX/XXXX, stating that their research into the claim has been completed and their decision stands. So BoA expects me to pay for these fraudulent charges even though I never authorized them.

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 2018-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Consumer ID # XXXX. I received my Early Warning report and notice that there was information within the report that did not have anything in it relating to me. I was a victim of identity theft and notice that this report shows several XXXX XXXX accounts that I have no knowledge of. I sent a letter to Early Warning notifying them of this including the FCRA section 605B law and all of my identification that identifies me. Within that letter I included a copy of the police report case number in addition to my FTC ID affidavit signed and notarized. I called them regarding the status of this investigation and they stated to me I had to wait for completion. These XXXX XXXX accounts all need to be removed off of my report. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days that the law permits.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Please assist me in resolving this matter. 


SSN # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  for {$1000.00} they refuse to remove this account it must be blocked off the credit report since it's Fraudulant they have been reporting it for a long time now in correctly the police report states that my Social Security card was stolen with my ID and passport also XXXX XXXX XXXX is a fraudulent account for {$370.00} also XXXX XXXX XXXX for {$33000.00} someone named XXXX XXXX stole my information and rerouted my mail to his residence opened fraudulent bank account under my name and was making payments for XXXX account my phone number was spoofed from His mobile ip which was traced to make it seem like it was me opening the accounts and talking on the phone also he stole my email information and opened accounts under my phone number and emails XXXX refused to block XXXX XXXX XXXX  account since my information was stolen it can't be verified that it was my social since my social wae stolen and passport and id as indacates on the police report

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