vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: RateGenius Loan Services Inc
State: NC

Complaint narrative:
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of rateGenius. I did not authorize rateGenius to pull my credit nor was there a formal application

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I told the company that they could come get the vehicle.. the shop that has the vehicle has sent out letters for them to come pick the vehicle up and they fail to do so. I am in a financial bind and am not able to make the required payments, before this I have never missed a payment or has been late. The vehicle is ready to be picked up and is available to the company. Why want they get the vehicle back? They keep calling my job and upsetting my coworkers by telling them they are lying about me not being there ( I have been on leave for 3 weeks ) I have asked them to please stop calling my job and just call my cell number but they refuse. This is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX. I did not authorize XXXX  to pull my credit nor was there a formal application

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2013 I talked to a Transunion representative. I ask why they are not providing me verifying information I requested and they she said she didnt have to. I told her about section 609 that they are required to. She refuse to get me with the necessary people that can give me the information. She referred me to the creditor, because they are the ones that provide the information. I ask her do they get verifying information from the company and she said they only do electronic verification. I told her they are required to get physical documentation and she denied that.

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 2018-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I contacted American Express to take advantage of their 0 % Balance Transfer offer on their Amex Credit Card. When I signed up for the card, the representative told me that the maximum amount that an individual could balance transfer was {$7500.00}. I asked if this limit could be increased to {$13000.00} because I wanted to balance transfer {$13000.00} from my XXXX Credit Card and he told me no, but that I could apply for a second card and put {$7500.00} on each one. So that is what I did. My second credit card application was declined so I called American Express to find out why. This representative told me that I couldn't apply for the same credit card twice, but that if my wife applied for the credit card, that I could balance transfer {$7500.00} onto my card and she could balance transfer {$7500.00} onto her card. So that is what we did. I applied for the balance transfer and it went through right away. My wife applied for the balance transfer and it was " pending ''. After several days, we called American Express and they cancelled her balance transfer and resubmitted. After a few more days, we called to ask why and nobody could give us a clear answer other than to wait a few more days and to call back if I didn't go through. After several more days, I called in and demanded to speak to a manager. After being told they would have a manager call back, we waited 3 more days ... no call from a Manager. I called back last Friday and demanded to speak to a Manager. They assured me that a Manager would call back by the end of the day. After waiting 6 hours, I called back and refused to get off the line until a Manager answered my call. When he did, he informed me that you couldn't do a balance transfer from the same credit card more than once. This response is completely unacceptable. Now my credit card payment is due, and I'm going to be stuck paying hundreds in Interest charges because they did not allow a balance transfer that I was told by two of their representatives, could happen. On top of it all, their suggestion was to have my wife balance transfer the amount to a different credit card which we reluctantly did in the heat of the moment. 30 minutes later, we called back and told them to cancel that Balance Transfer and that we DID NOT want it to go through. The representative provided us with a confirmation number and assured us that the balance transfer was cancelled. She asked us to call back in 48 hours to confirm. 2 days later, my wife called back and she was instructed to do and they told us that the balance transfer went through. Now my wife has a - {$7500.00}  balance on her XXXX  XXXX XXXX card and a {$10000.00} balance on the American Express card. This is FRAUD and this is complete and total XXXXXXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snow and Sauerteig LLP
State: CA

Complaint narrative:
I am located in XXXX, CA but my family lives in XXXX Indiana. I was visiting family in Indiana in XXXX of XXXX and due to an XXXX  XXXX contracted earlier in the year in XXXX, had to go into the Emergency room. 

Before going into the E.R., I was experiencing XXXX XXXX XXXX - however, I was under the impression that my insurance was not covered outside of CA. So, I was going to writhe in pain vs. going into the E.R. and getting pinged with medical bills that would insure my children never have an opportunity to go to college. That said, my parents urged my to call XXXX in CA who reassured me I would be covered and to absolutely go in. 

So, I went in to the E.R. in Indiana. Later that year, after reaching my out-of-pocked deductible ( I had XXXX  XXXX which maxed it out ), I receive a collections notice for {$130.00} from Snow & Sauerteig LLP ( I never even received a medical bill to begin with ). I explained to them that I've reached my out-of-pocket deductible to for that year and to take it up with XXXX of CA - they continue to send me messages despite asking them to cease and desist on the phone. 

Now, it's XXXX of XXXX and I just received an additional bill for {$300.00} from XXXX XXXX - I don't even know who/what that is and never received a medical bill to begin with, plus I reached my out-of-pocket deductible, plus, my insurance would've covered it anyway. 

I am a XXXX XXXX - these aren't inconvenient bills, these are devastating financial hardships that are not mine to owe. This is the only " civilized '' country in the world that allows spineless sharks like Snow and Sauerteig LLP to prey on helpless, disenfranchised middle and lower-middle class people like myself. Collection firms like this are the bane of a broken American system and I refuse to remain helpless in the face of corporate medical, financial, and other conglomerate, multi-national institutions that make life miserable for the rest of us while they grow fatter and fatter and fatter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I closed all my American Express accounts a few years ago. In XX/XX/2017 I ordered a copy of my credit report, and it showed AmEx still open. I contacted AmEx and filed a complaint with the credit reporting agency. I recently received an annual copy of my credit report, and the card was still showing as open. I phoned the number for AmEx on the credit report, but the automated info asked for my account number and I don't have the complete number, so I was on hold forever until I finally hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX advises my account is current however Convergent alleges they are collecting a dept on their behalf.

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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I called XXXX  hundreds of times over several months and XXXX  continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told XXXX the Navient accounts were closed. XXXX insulted me when I called and refused to remove the inaccuracies even though all 10 Navient loans are closed. XXXX  denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to XXXX that they were violating FCRA and they just hung up in my face.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
Loan Process/Getting Approved/Documents & Understated Costs : I want to make note that I am self employed. My husband and I were initially declined with our first lender due to that. We had to use XXXX because the listing agent saw an opportunity to send business to a friend as a negotiating tactic to give us time to find a new lender and complete underwriting our loan. 

During the process with XXXX, initial docs understated the PMI by 250 %. His assistant, XXXX, was very inexperienced and caused multiple delays ( i.e. not submitting documents according to standard procedures supplied by the bank, not submitting documents on time ). 

Neither he nor his assistant would answer our questions along the way ( i.e. updates on the status of the loan, why numbers didn't match in multiple documents, were documents submitted, questions concerning the type of conventional loan we were underwritten for, etc. ). Frequently we were told " we don't have an answer for you yet '' or " Unfortunately all I can say is that we are still working on the loan. '' XXXX understated deadlines for completion ( i.e. mortgage insurance underwriting being able to be completed in a couple hours ) to our Realtor. The morning of closing was when he and/or his assistant submitted insurance documents for approval ( avg turnaround for approval is 24-48 hours ). Our closing was delayed multiple times due to this. 

Early on in the process his assistant would give false information, my guess is due to lack of experience and knowledge in the industry or with our loan type which caused additional delays and frustrations. He expressed frustration with our asking questions throughout the process including legal jargon within his contracts. He stated we were taking time away from him working on our loan. I sent him a message stating until he answered a question about why the loan amount was changed I was not submitting a signed form. He called and yelled at me. During that phone conversation he threatened to not finish my loan intentionally ; I had a witness who was on 3-way that he was not aware of until later in the conversation. 

He was incredibly unprofessional and made sure that I felt uncomfortable and in the dark throughout the majority of the process. We had to call Movement to speak with a colleague in his office to get answers to what the agent said " were reasonable and normal questions '' and he apologized profusely on behalf of Movement Mortgage for our experience. 

XXXX had the VP of Movement Mortgage, XXXX, call me to try to intimidate me over the phone 3 times ( prior to me blocking his contact number XXXX to remove my review from XXXX versus asking about my experience. He stated " XXXX is a good guy and your review would hurt his business '', which was more important than customer relations and the liability to the company he was in his actions towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: RateGenius Loan Services Inc
State: MA

Complaint narrative:
About 2 weeks ago, I submitted an application on XXXX to be connected with companies who could offer me an Auto Refinance Loan. I ended up deciding to wait a while for my credit to get even better, but I wanted to warn others about the tactics used by RateGenius.com. 

I was called today at work by who I assume to be XXXX XXXX @ Rate Genius. I am making this assumption because I was emailed at the same time as called by Rate Genius, with the sender being XXXX XXXX. 

XXXX informed me that they had preformed a " hard pull '' of my credit score, as well had all 10+ (  or more ) affiliates that were notified of my application at XXXX . To be clear, these are not words of warning about XXXX. Of course, as an informed person, I knew this to not be true, as XXXX would not have a viable business model if they destroyed the credit of every person who uses their service. 

I was taken aback by the call, and so decided that I should report this employee to the company so that they could retrain this person. 

I spoke with " XXXX '' over their live chat service available on the homepage of RateGenius.com. I have screen-shotted the entirety of the conversation, and am attaching it to this report. Instead of apologizing and promising to retrain the confused employee, as I suspected, instead the representative DOUBLED DOWN on this. He claimed incorrectly first that XXXX authorizes it's affiliates to run credit reports, even though I knew ( by XXXX 's own disclosures ) that this is not true. 

After copy/pasting XXXX 's disclosures into the conversation, XXXX then stated again that affiliates are free to effectively destroy credit reports by running soft or hard pulls at their discretion. 

These aggressive and misleading sales tactics would easily scare and confuse an uninformed person into signing up NOW, since their credit would be ruined for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I paid for monthly membership for the past few months and was never able to access an updated credit report and score. Everytime I called in, they would only apologize but never refund or credit my account. I still can not access it online updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION
State: FL

Complaint narrative:
To : BB & T I am sending you this notice to inform you that under my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting VALIDATION of the account.

Please note : I am not requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence

that I have a legal obligation to pay you. Please provide the following : 1. Detail of what the money you say I owe is for 2. How the amount you claim owed was calculated 3. Verify that the legal statute of limitations is still in effect 4. Copy of your agreement with the original creditor 5. Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) 6. Provided a copy of any judgment you have received, if applicable 7. Identify the original creditor 8. Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent 9. Please provide Name and addre
ss of original creditor.

10. Are you the original creditor or debt collector?

11. What the high balance of this account?

12. What date was this opened?

13. When was last payment made?

14. How much was last Payment?

15. What day of last activity?

16 What the date of 1st delinquency?

17. What charge off amount?

I am letting you know that what you is doing is wrong, and to please stop doing it.

1. Stop putting incorrectly information on my XXXX credit report. ( under the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 ) 2. Stop used false representations and deceptive or misleading representations or means to collect or attempt to collect a 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 2018-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc.
State: CO

Complaint narrative:
this company continues to list an amount not due constituting fraud furthermore the original debt was paid over a year ago to the original debtor XXXX XXXX XXXX and XXXX is not entitled to a collection fee since they did not collect the debt, this has already been removed from XXXX and XXXX at least once or twice but has continued to reappear furthermore the dates are also incorrect considering i opened this account in XXXX of 2013 and was closed as of one year ago last XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
We were in escrow for both the condo we were selling and the house we were purchasing. The closing dates were in XXXX and within a week of each other. The monies from the condo sale were to be used as an substantial down payment on the pre-qualified loan for the house mortgage. A week before the condos escrow closing date our buyer backed out due to family issues. 
XXXX XXXX from Guarenteed rate assured us we could get a different loan then the pre-qualified one. This would require just the savings we had around XXXX $ as an down payment and not the condo sale monies. The mortgage monthly payment dues however were over twice as much as the pre-qualified one and not sustainable for our familys income. XXXX promised before even the first mortgage payment due in XXXX we could recast the loan paying down the principal after the sale of our condo. 
We sold our condo in XXXX and XXXX was out of office for the XXXX XXXX XXXX XXXX. Once he was reachable again and many phone messages left for him, we received a letter from Guarenteed rate on XX/XX/XXXX stating once we wire XXXX $ to them they would recast the loan for a monthly payment of XXXX $ We wired the monies within a week. Once Guarenteed rate received the money XXXX XXXX called to say it was impossible to recast the loan as promised and stated in the letter we received on XX/XX/XXXX. We now can not afford our mortgage payment. XXXX also promised to return our XXXX $ so we could at least afford to pay the inflated mortgage out of that lump sum but in doing that to not go bankrupt we still lose XXXX $ until able to refinance as proposed in XXXX. 
That conversation and assurance that our monies would be directly wired back to us was at least two weeks ago. And then once again suppose to be returned by Friday XX/XX/XXXX. Guarenteed rate has not returned our money and now XXXX is on vacation according to his voicemail where I can not leave messages until Monday XX/XX/XXXX. 

We want our loan recasted with the promised mortgage payment. This is unacceptable that they refuse service promised and still keep our large sum of money.

Company response to consumer: Closed with explanation