vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
In XXXX, I prepaid my XXXX taxes and reached out to Dovenmuehle Mortgage, Inc. ( for XXXX XXXX XXXX ) in XXXX XXXX, IL to make an adjustment to the escrow taxes for the XXXX calendar year. The first call was on XX/XX/XXXX and I was advised to provide receipt of payment for the taxes that were prepaid. This was completed and I called back on XX/XX/XXXX because there had been no contact from the mortgage servicer. I was advised there was a problem with process and that a repayment of current escrowed funds would occur. I called back on XX/XX/XXXX because there were no actions taken. During this call the individual advised they were unable to verify payment with the county despite having the receipt. Dovenmuehle was reaching out to the wrong county and I corrected this for the second time. I called back on XX/XX/XXXX and the representative advised that payment would be made in XX/XX/XXXX. After receiving half payment for the prepaid taxes in early XXXX, I called and was advised the second have of the payment would be provided the following month when the escrow account exceeded the outstanding amount owed. No payment in XXXX. I called back on XX/XX/XXXX and was advised that no payment would be made until rebalancing in XX/XX/XXXX. I advised this was unacceptable as Dovenmuehle had confirmation of tax payment to the county and sufficient funds in escrow to pay the second half installment. The supervisor XXXX agreed and advised the payment would be made by XX/XX/XXXX. No payment has been made and the escrow account funds in my account still exceed the amount owed and promised. Dovenmuehle 's representatives and supervisors have consistently provided inaccurate information for over six months and failed to meet promised payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: CO

Complaint narrative:
My loan officer, XXXX XXXX ( NMLS XXXX ) of XXXX XXXX, XXXX, clearly explained to me that if I closed in XXXX that my closing paperwork would include the interest for XXXX ( to be paid by me at closing ) and that my first mortgage payment would not be due until XX/XX/XXXX. I emailed and called him to clarify because I had a final rent payment due XXXX. He assured me that the closing paperwork already included XXXX 's interest and that my first payment would be due XX/XX/XXXX. When it came time to close, the paperwork was not written the way he explained- there was no interest in the closing numbers and my first payment was slated to be XX/XX/XXXX. XXXX, who was at the closing, became quite confused, insisting he had never heard similar terms. He tricked me into closing by outright lying to me about the terms. While I agree it is my responsibility to understand my numbers and disclosures, I asked specific questions to my loan officer, who misled me and fed me false interpretations of the numbers to his benefit and my detriment. 

I have attached our email chain where I was told with no uncertainty that my first payment would be in XXXX. I have also attached evidence of our follow-up phone call- while I do not have a recording, it shows XXXX and I spoke for almost six minutes immediately after he emailed me. During that phone call I explained that in my experience, if one closes on a house in the beginning of the month, one pays the first mortgage payment in the following month. XXXX told me in that conversation that my thinking was incorrect. He said that he had many year 's experience, and that I had never financed a house in this state so I should trust his expertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
transunion I've contacted them with 3 disputes letter stating that their were inquiries that were incorrect on my credit profile under section 609 they have legally send legally document of the creditor stating that they are mines. 
section XXXX and XXXX unverified items must be deleted immediately Transunion has not responded to my disputes

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My husband and I have received four phone calls from four different phone numbers saying they are American Express. Never leaves a message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
On XX/XX/2017 I paid off {$49000.00} to XXXX XXXX XXXX XXXX and promised they would remove all negative information from all my credit reports, they did not do it! Previously this debt belong to JH Portfolio Debt Eq.

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 2018-06-13 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Have tried several times to have this removed from my XXXX credit file with no success.This is not my account.i have two credit cards with XXXX XXXX both in excellent standing like all my credit.This account does not belong to me.If there was an account opened in my name i am not aware of it.and is fraud.I am seeking a home loan and need this removed or i will be forced to seek legal action for damages that this fraud account has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
On XX/XX/2018 i took out a loan for {$500.00}. To this date i paid {$840.00} and only {$15.00} went to the principle. I still owe {$480.00}. The APR is 469.1328. I didn't get a chance to view the Truth in lending disclosure until the loan processed and hit my account. I didn't know the interest rate until the loan hit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RICHLAND HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX I paid off {$38000.00} to XXXX XXXX XXXX XXXX which had loan from XXXX XXXX XXXX. XXXX XXXX XXXX also sold my information with that unpaid balance to Richland Holdins, INC DBA. This debt was in full on XX/XX/XXXX and I was promised that all negative information from all these companies will be removed from my credit reports, they did not do it.! Please, help me to fight them and fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: JPL Recovery Solutions
State: CA

Complaint narrative:
XXXX XXXX XXXX has called my employer and multiple family members. I've asked them to stop contacting me and my employer and they have not stopped. They have threatened with legal action and wage garnishing. They have harassed my parents, siblings and employer repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I signed up for the Platinum Delta Skymiles credit card from American Express with a welcome offer of XXXX bonus miles if I spent {$3000.00} in the first 3 months, which I did. To date, I have not received the bonus miles despite meeting the requirements, and paying their hefty {$200.00} annual fee. I have contact them multiple times via their online chat. I contacted them on XX/XX/XXXX, again on XX/XX/XXXX, where they confirmed I would receive the bonus miles in the next 1-2 billing cycles. Contacted them again on XX/XX/XXXX which they indicated my case was being looked into. And a final time on XX/XX/XXXX with no result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Back in XX/XX/XXXX I was at XXXX XXXX trying to purchase a car. I completed a loan application and gave XXXX authorization to pull my credit report. I was not aware that XXXX without my consent submitted the application on XX/XX/XXXX to four other banks in hopes that one of them would approve my loan, and in the process each and every bank pulled my credit report causing me to have a hard hit inquiry and affecting my credit report negatively. To many inquiries equal negative credit rating and will stay in my report for two years. I reached out to Chase today, XX/XX/XXXX and was transferred to the Credit Bureau Unit and was told by XXXX that because XXXX sent the application electronically that their procedure is to do a credit check even though they did not have written consent from me to run a credit check. XXXX refused to give me any information so I can submit a written dispute and request a Letter of Deletion. Per XXXX Chase will not request to have the inquiry deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, XXXX and Transunion

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 2018-06-13 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not sent me ay verified or original documents of the creditors documentations on file to verify and bankruptcy that wa place on my account under sections law 616 and 617 if they don't do within 30 days it is to be deleted immediately they have failed to comply with my request and under the FCRA they stated this account has been verifiednbut has not provided me documentation

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XXXX XXXX keeps calling my retired parents house and is leaving messages about collecting a debt from me. I have not lived there since XX/XX/XXXX. This is a huge invasion of my privacy. They call five or more times per day, every day, in addition to calling my cell phone. I answered the phone call while I was visiting my family and said to NEVER call that number again and they will not stop. They threaten legal action. My elderly parents have been caused stress and it has caused family stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 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: Southwest Recovery Services, Inc.
State: NM

Complaint narrative:
I looked at my credit report a few months ago and found that there was a debt collection agency on there. I do not carry bad debts, EVER. I immediately called the company to see why there was a delinquency being reported. 

Back in XX/XX/2013 I helped my daughter get into an apartment because she had no credit. I was basically a co-signer. 

The company told me that there was a small balance due to the apartment complex and that was what they were collecting on. The total was {$200.00} They looked into the case because we have not received any type of statement or correspondence telling us there was a balance due. They found that the apartment complex was sending the statements to the same apartment that my daughter moved out of! After further review they said that they will be removing the information that was reported to the credit bureau. The information was deleted off of my daughters credit report but it is still showing as an open account on my credit report. I did call again after 2 months of the balance being paid off and they again informed me by the beginning of XXXX it should be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I will start by saying I like Chase and the representatives have nice.I opened an account with Chase Bank on XX/XX/2018 after I saw.a advertisement online for {$200.00} bonus to open a checking and a {$150.00} bonus to a savings. This is granted if you meet the requirements of adding a {$25.00} deposit and getting direct deposit of {$500.00} or more within 60 days. I have met the requirements and called to check the status of my bonus and they stated a promo code does not show on my account. I explained to the rep that when you apply online it tells you that if you want to print the code and go into the branch enter your email address. If you want to apply online promotion automatically applied. I selected to apply online following the same links and now they wont honor the promotion. I have called the bank and talked to 3 managers and they stated I have to have a promo code even though online it says you dont need one. I attached a screenshot for them to review. The last resort is to go into the bank which is very hard because I work XXXX and sometimes on Saturday. I think chase should take care of me because I did everything asked and closed my other accounts for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: WI

Complaint narrative:
I was robbed and i want a fraud alert placed on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My loan was transferred from XXXX to Navient in XXXX. I set up automatic payments through my bank utilizing the information Navient sent to me. My bank has made two monthly payments sent XX/XX/XXXX and XX/XX/XXXX. The 1st was returned to my bank XX/XX/XXXX stating I had the wrong account number. I sent with loan # instead of account #. I corrected the information for the second payment which they received and did not apply to my account. I contacted them and sent them additional information and they can't seem to locate whose account they applied my payment to. I submitted additional information reference the payment and they advised that that was not enough information to locate my payment they needed more but when I asked what they needed they stated a copy of my statement. The information had their bank transaction number on it. The second payment they just sent back two weeks after I paid them stating again that the account number is wrong even though I contact them by phone with the same account number. They then requested i pay them the outstanding amount that they lost and the money that they just sent back over the phone to them. I have no problem with paying them what I owe them but they have made no effort to locate the payment that they have received and discouraged me from sending them a paper check. I lack confidence in them actually applying a payment to my account correctly. I mailed them the second payment the first payment is pending further investigation by my bank. They have also tacked on late fees to payments in which they keep sending the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Today XX/XX/2018 I received a letter from experian credit reporting agency stating they will not re-investigate an account for me that does not belong on my credit report. I had XXXX re-investigate this account for me and after the investigation it was removed off my report. I am uploading a copy of the letter I received today along with the account that does not belong on there. I do not have a copy of the police report. I requested a foil report with the police department awhile ago and was told it was not on record anymore. Experian should not be denying me to re-investigate this account for me. There are fraudulent charges on this account.

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 2018-06-13 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I discovered a unverified account in the amount of {$2400.00} and a 30 late payment posted on XX/XX/XXXX in my TransUnion credit report. I sent TransUnion a certified letter with return receipt on XX/XX/XXXX asking them to properly verify this unverified account and late payment under the FCRA Federal Law. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account like the XXXX  Breach. I requested them to send me a Promissory Note or contract bearing my signature to these accounts in their files for proper validation under FCRA 609 ( a ) ( 1 ) ( A ). On XX/XX/XXXX, TransUnion sent me a generic response with no validation to the unverified account or the late payment but stated they were verified.

On XX/XX/XXXX, I sent TransUnion another certified letter with return receipt requesting their Method of Verification for this unverified account an late payment under FCRA 611 ( a ) ( 6 ) and ( 7 ). Once again, TransUnion sent me the same generic letter with no validation for these 2 accounts but stated they were verified.

I have attached my letters with the return receipts and their response to this matter. It is very clear that TransUnion ignored my dispute and did not take it seriously. Two of my consumer rights have been violated under the FCRA Federal Law!

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 2018-06-13 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I purchased XXXX  computer in XX/XX/XXXX at XXXX  store ... ... They offered me financing through Barclays credit card with 12 months at 0 % percent financing. I asked them what will happen after 12 months, they told me that they will start charge me an interest at that point.

Not once they told me or explained that they will also add all unpaid interest for the first 12 months back to my account. I only found out about when my credit card was declined as it became over the limit by over {$350.00}.

Barclays Credit added {$550.00} to my account in XX/XX/XXXX.

I called Barclay Credit card tried to explain this situation, but they refused to hear me out and refusing to reverse this charge. This is really misleading and they took advantage of me unfairly

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