vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-30 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: MA

Complaint narrative:
I contacted Chase regarding a promotion they were running for their Reserve card. The promotion provided XXXX bonus points. Since I was an existing Chase Slate customer I called their customer support organization to inquire about the new card promotion and confirmed I would be able to take advantage of the bonus points by upgrading my current account. I was told yes, but they needed to run my credit to increase my credit line to ensure I was eligible. They ran my credit and increased my limit. Fast forward 3 months, the bonus points were never received. I reached back out to try to resolve the problem. Spoke to an agent and someone claiming to be in a management role. They would not share the call recording with me and simply said that they could not honor the bonus points since I was a current customer. I also went on twitter to try to escalate, but Chase did not resolve the issue and stopped communication with me. I feel like I was not provided accurate information and would not have upgraded my card ( which includes a annual fee ) if I knew I was not going to receive the bonus points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I do n't have a contract with Diversified Consultants or the original creditor nor did I receive a written notice of my rights to dispute this debt before it was added to my credit reports. The law states that a creditor must send written notice of the debt that includes the amount of debt, the name of the original creditor to whom the debt is owed, and a statement describing my right to dispute the debt. I have no knowledge of this debt. Received correspondence from Diversified Consultants via the CFPB portal on X/XX/2017 that they would cease collection efforts and remove this collection from all credit bureaus. This morning, I received a credit monitoring alert that this collection was just added back on without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I filed a complaint against  two  mortgage companies :  XXXX   XXXX   XXXX  and Nationstar. The filing number is  XXXX .   XXXX  Nationstar has responded to my complaint, but it sends the information regarding the same to my previous attorney,  XXXX   XXXX .  XXXX   XXXX  has lost his license to practice law in Florida due to complaints from citizens regarding his handling of their claim against mortgage companies.   XXXX  He was my attorney in our claims against  XXXX   XXXX   XXXX  and Nationstar.   XXXX  I have numerous email messages from him regarding our complaint, but he is not representing me or my husband.   XXXX  Please ensure that both  XXXX  and Nationstar send correspondence to me as opposed to  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
The company which is pursuant to sue for wage garnishment have not ever spoken to me, notified me of my knowledge by mail or any other form of communication that they were the direct agent assigned to resolve the debt until I received a summons for a wage garnishment lawsuit against me. The company is misleading on my credit reports & in summons that they have a record of constant communication with me concerning my default account. I have spoken to no actual representative at all to resolve anything. Also, the statute of limitations is up for this account. So, far I responded to the summons to go to trial by XXXX XXXX, 2017 and will be sending a sworn denial on XXXX XXXX, 2017 with courts and trying to follow the FCDPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
I have contacted each company various of times and i have gotten no where. On The Florida office of Financial Regulations this company licensed has expired and is illegally doing business in Florida as a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit score dropped from XXXX to XXXX onXX/XX/XXXX for no apparent reason. I found out onXX/XX/XXXX that there was an old debt with XXXX card that was ressurected from the dead on my 3 reporting agencies. On XX/XX/XXXX I settled the debt with XXXX card for {$2000.00} but my credit score has dropped to XXXX.My credit scores with XXXX and XXXX have been restored but not with transunion. The information I have just stated can be proved with XXXX card at XXXX XXXX XXXX. I appreciate your cooperation.

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 2017-06-30 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
In the spring of last year I received a business call from Citizens Bank ( RSBC ) in the evening to discuss student loan refinancing options. After briefly discussing my options and potential loan amounts, the customer service representative said they would have a specialist in their student loan department contact me at a later date. After the call I decided I did not want to pursue refinancing with Citizens Bank. Upon review of my credit report this year ( free credit report requested from XXXX XX/XX/XXXX ) I saw that Citizens Bank pulled hard credit without my permission on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted Experian and XXXX in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX via certified letters informing them that they are incorrectly reporting a negative account as a status of being scheduled to continue on record until XX/XX/XXXX. I referred them to the Fair Debt Collection Practices 1978 and the Fair Credit Reporting Act 15 USC 1681. I referred them to an on-line article, written by Experian themselves and still found on-line for consumers to read, written on XX/XX/XXXX by XXXX XXXX, where they note that the 7 year period starts from the date the account became late and was never current again. My account, verified by the bank, 3 different times as correct over the past 2 years, was noted to be 30 days late in XX/XX/XXXX, 60 days lateXX/XX/XXXX ; 90 days late XX/XX/XXXX; 120 days lateXX/XX/XXXXand Charged off inXX/XX/XXXX The first 30 day delinquency in the series will start the 7 years reporting and the entire series needs to be deleted after 7 years. Experian and XXXX is in violation of the 2 laws and need to be held accountable, especially since they needed to settle inXX/XX/XXXX with 31 state attorneys on inaccurate credit reporting information on consumer reports.

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 2017-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I lost my house to a fire last year. My Insurance Company disbursed my check and it 's in a escrow account at my financial institution. I am having problems getting timely disbursements and this will cause me to be homeless in the near future when the lease on my rental property expires that is also being paid for by my insurance company, XXXX. My contractors are looking at my mortgage company with disgust, myself included. Ive had all the required paperwork filed for sometime yet I still have to jump hurdles to get any disbursements. This is causing major conflict in the progress of my home rebuild.

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 2017-06-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
In 2009 my grandmother obtained a short sale home for 5 % of {$140000.00}. She learned about reverse mortgage from the tv ads we have all seen about them claiming no payments, you can live in your home comfortably, and they are government backed ( being government backed is part of their deception, it 's not a government program like grants, or cash for clunkers, it means absolutely nothing, they sold our debt to XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX claimed to be the original debt holder. ). The dvd they gave to explain their service says reverse mortgage is for people who want money ( i still have it ). What this company did was give an itemized sheet that says the principal amount was {$150000.00} and points out they will pay the old mortgage and even provide money for repairs. The closing papers mention a loan amount for {$270000.00}. That is a difference of {$120000.00} that no one in my family has seen a dollar of, but they ruined my grandmother 's credit for {$270000.00}, which raised the property taxes of the house to $ XXXX/year, the next door neighbor pays {$1500.00} and is n't even old enough for homestead. If the house was just short sold for {$140000.00}, which is the value, how could they take {$270000.00} from the house is a mystery. But let 's say the house is worth {$270000.00}. Normal banks offer 70 % of the value of a house which is {$190000.00}. So that would mean my grandmother had about {$52000.00} of accessible equity in her home. But instead they kept every penny, raised the taxes, paid the taxes that we could n't pay with money they stole, while charging us interest. They used this to say we were in default. We submitted a bankruptcy and the trustee worked closely with the mortgage company, the trustee even went as far as lying, and changing documents when we have transcipts to prove what they have done. The company is RMS ( Reverse Mortgage Solutions ) and the lender is XXXX XXXX XXXX XXXX. When we asked for relief, they told us they would accept no less than {$140000.00}, but remember they gave us no money and are holding {$120000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have recently sent a letter to dispute a medical collection on my account to the Collection Agency, I was requesting verification that this was in fact my account, I did not receive verification, however I did receive copies of the procedures that were completed.. this is a HIPPA violation.
<P/>
I have requested that this file be removed from my Transunion CB, I received response from Transunion that this account was verified as accurate and updated.

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 2017-06-30 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: NV

Complaint narrative:
I have an account with XXXX XXXX XXXX and there was an agreement with the company that they would report the account as paid as agreed with no derogatory information. A conference call was made to the home office upper management and they indicated they would send the information to the bureaus. I thought this would have been resolved already. When I received a copy of my credit report it was not resolved. I then had the account disputed in hopes Equifax would contact the company and the company would confirm the payment history should be corrected. Apparently this was not done or the response I received from Equifax would have reflected the correction. This would indicate to me and anyone else Equifax did not contact the company and investigate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
Over the past 5 years they keep putting my number into their automatic call system. I tell them to remove it and it start happening after about 6 months. they were calling every day at about XXXX for the last month XXXX 2017. I ignored it this time and finally called them and they said they would remove it again. I want them to remove my number permanently. They call from XXXX looking for a 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 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

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 2017-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is using fraudulent information in regards to a previous account that I owned that was defrauded. For which I filed a claim, which was rejected. Therefore I was held responsible and made to pay back money I had n't gotten in any way, shape, or form. I filed a police report to no avail. I requested evidence of the claim by bank of america, they declined by saying the evidence is proprietary information. I requested bank footage to substantiate the claims by bank of america, they refused on the grounds that they require a court order, So while not admonishing any facts related to the false information bank of america is disseminating misleading, false, and libelous information to a third party reporting agency preventing me from opening a bank account at any institution. I demand this blatant abuse be stopped or I 'll be contacting legal counsel.

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 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Good day, I applied for home mortgage at Wells Fargo bank and had a so bad experience. I came to the branch at XXXX XXXX, Florida at first time in middle of XXXX 2017. I was honest and told to consultant XXXX XXXX XXXX XXXX that I 'm single mom, my average salary is XXXX $ per month, I do n't have a long working history in the USA and I need to use first home buyer program from XXXX county for down payment. He was polite and nice, so he sent my application for pre-approve and I 've been pre-approved. When I found a house, my consultant suddenly realized that I do n't have 2 years experience in the USA, but in few days he said that I should be ok. We started process. I signed documents with the seller and paid XXXX $ deposit, paid XXXX $ for house inspection, signed documents in the bank and started to wait decision. For couple of weeks I did n't hear from anybody, so I started text to mortgage consultant and realtor XXXX XXXX XXXX XXXX nobody answered. Finally XXXX ( mortgage consultant ) picked up phone on Monday,XX/XX/XXXX. He told me that he is going to have answer for me in couple of hours from the XXXX county assistance program. ( Note : Seller knew that everything is cancelled at this moment because he got phone call from realtor almost one week earlier. So, while I tried to find information everybody knew already that everything is cancelled, but nobody told me truth, just ignored me ). XXXX did n't call me that day and next day, he did n't pick up phone. I emailed him on Wednesday XX/XX/XXXX and got answer : " Hi XXXX, Unfortunately we are not able to provide XXXX county assistance now. We have to get re-approval again because the one we have expired ''. So, how does it come consultant did n't know they ca n't provide XXXX county assistance? I spent time, money, refused to get new job because of mortgage process for nothing. If he saw that I 'm not qualify for mortgage due to not enough experience, small salary or other why did n't he tell me truth at first? Why I got answer after wasted time and money? He is consultant and his job to help.
Finally, in almost two months of waiting I do n't have official decision from the bank or XXXX county assistance program, I have just consultant 's " unfortunately, we ca n't ... ''. Due to this situation I lost a good house at good and safe location as well. Please, do investigation and give me answer on this situation. <P/>Thank you and have a good day. <P/>Kind regards, 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 2017-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: MA

Complaint narrative:
XXXX XXXX continues to call me and report me to credit bureaus even though I have sent them documentation 3 times showing that my insurance paid for this debt. All three times, they have removed the debt from my credit report, just to put it back on 6 months later. Are they scammers? Is their system broken? I 've seen a lot of similar complaints on several websites, including the Better Business Bureau. <P/>This is the full explanation of what happened : On XXXX/XXXX/XXXX, I went to the emergency room, and left with a charge of {$620.00}, which my insurance took care of, and proceeded to send me the explanation of benefits ( EOB ) received and signed by the emergency room financial services. <P/>A year later, I began receiving bills from XXXX XXXX requesting that I pay for this debt. I told them the charge was paid for by my insurance company, and they requested proof of payment, so I proceeded to fax them the EOB my insurance company had given me ( see attached documents ). When they received the fax, XXXX XXXX proceeded to tell me that everything was fine. A month later, I saw a collections notice in my credit reports, so I called XXXX XXXX back and repeated the same process with faxing the documents, except this time I called XXXX and XXXX to dispute the debt as well, and they removed the collections notice from my credit reports. <P/>A year later, I saw the collections notice back on my report, and I repeated the process mentioned above, except this time I threatened XXXX XXXX to report them with the CFPB, the FTC and the BBB if it happened again. Needless to say, it happened again. Yesterday I saw their collections notice back on my credit report and I proceeded to report them because what they are doing is not right. I sincerely hope this has to do with an error in their system and not with dishonest business practices on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: KY

Complaint narrative:
I have been contacted by Diversified Consultants in regards to XXXX. XXXX XXXX never reduced my bill the amount that I was told for 3 months straight that it would be by switching to their new owner XXXX I switched to a new company for cable service due to this experience. I told them that I do not owe the final amount based off what my payment should have been. I have been receiving up to 5 phone calls a day from Diversified consultants. I explained the situation and that I would be paying the final amount due to the error in billing. The agent became loud and derogatory. I asked that I not be contacted again in regards to this matter. I receive these phone calls every week Monday through Friday while I am at work.

Company response to consumer: Closed with explanation