vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: MD

Complaint narrative:
I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the  XXXX   XXXX   XXXX  account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and Experian have refused to remove stating that   XXXX    XXXX   XXXX  has confirmed that the charges are correct. I have attempted to follow up with   XXXX   XXXX   XXXX   XXXX  directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by  XXXX   XXXX   XXXX  to extort money from its customers and that the resulting charge off was an act of retaliation by  XXXX   XXXX   XXXX  as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX ,   XXXX     XXXX   XXXX  has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction histor y )  to another account number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX   XXXX   XXXX   XXXX  management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Glass Mountain Capital, LLC
State: UT

Complaint narrative:
I began receiving calls from an unknown number which of course I do not answer. It apparently appears to be a collection agency as I believe I 've gotten voicemails. On  XXXX / XXXX /  XXXX   I received a call from a similar number but la st 4 digits  slightly different (  XXXX  ) and was waiting for a voicemail to identify who it was. It was a  3 sec ond message of a man saying "   XXXX   XXXX   XXXX   XXXX    ''. This m orning I received a text message from  XXXX  asking " is this ______ ''. I feel it 's clearly an illegal attempt to have me respond in order to get me to call and collect a debt I do not believe is accurate. I understand that it 's illegal for them to send texts or emails that trick or harass you into contacting them so they can collect money. By law, de bt collectors have to tell you who they are, no matter how they contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I received a notice f rom Synchrony Financial say ing  a TJ Max credit ca rd had been issued in my name. On  XXXX   XXXX , I called  Synchrony Financial and to ld  them TJ Max ha d used my information without my authority to issue this card. I was told by  Synchrony Financial they  could do nothing because they did not issue credit ( which seems odd for a credit comp any ) and since my infor mation was accurate, even if I did not authorize the credit, nothing could be done. I was told I must contact  TJ Max, w hich I did that day. I asked for written documentation of what had occurred, which was promised but they have failed to provide. On  XXXX   XXXX ,  TJ Max since t hey do not issue credit, I needed to  talk to Synchrony Financial, s ince they issued the credit. Since that time they have failed to respond to my inquiries on 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 non-monetary relief
Consumer complaint received 2017-05-16 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: MI

Complaint narrative:
Incorrect Status being reported on by   XXXX   CRA.     Entry by   XXXX   XXXX   XXXX   XXXX  : Owed {$340.00}  XXXX   XXXX   XXXX .   XXXX   XXXX    XXXX , NH  XXXX  Credit reporting agency is documenting a claim by   XXXX   XXXX   XXXX   XXXX  on my credit report that I owe  XXXX   XXXX  a balance of {$340.00}. This amount has been paid to  XXXX . My bank is reporting this as rebilled (  XXXX   XXXX ,  XXXX  ) and paid by me to  XXXX .   The original payment was made by Cred it Card (   XXXX   XXXX ,  XXXX  ), dispute d (   XXXX   XXXX ,  XXXX  ) and the dispute w as withdrawn/rebill  (  XXXX   XXXX ,  XXXX  ).      XXXX  Contact by me :  XXXX   XXXX ,  XXXX  letter  XXXX   XXXX ,  XXXX  Letter   XXXX   CRA falsely reported unpaid  XXXX  balance was disputed  XXXX   XXXX .   No action taken returned to me by   XXXX    XXXX   XXXX , I possess and presented  XXXX  proof of payment.     Submitted credit card statement showing rebill for {$340.00}.

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
This company calls every 45 minutes to an hour. They call from a different number each day. When asked why the number is different than the store ai purchased the furniture from they state it is an automated call center. I have told them numerous times not to contact me before XXXX as I am at work and yet they call so much that my phone vibrates consistantly in my desk. If the Principal walks in and my phone is vibrating I can get in trouble. All of which I have explained to them. They refuse to put a no call until a certain time on my account. They say everything is automated. They have been notified that I do not get paid but once a month of which they knew when I took the furniture account out. They start calling as early as one day late at XXXX every 45 minutes to an hour and do not stop until XXXX XXXX XXXX sometimes. I have taken to blocking the numbers they call from so I dont get in trouble at work. They get their payment each month but it is alway going to be late because of my pay date. They knew this also when I took the loan out. Never once did they say oh ok well we will be harrasing you nonstop every day until we get the payment. No they stated it wasnt a problem they would note it on the account. If something isnt done about this then I am going to see what I can do legally to stop the calls. If I wasnt almost finished paying off the account I would tell them to come get there furniture and leave me alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital  one  inquiry dates that I didnt authorize.      XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX     XXXX    2016     XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016   XXXX   XXXX   2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: SC

Complaint narrative:
Federal trade reference number  XXXX . All fees were paid to the  XXXX  Apartments in installments as instructed by the employees of  XXXX   XXXX . The reported on   XXXX   and now they are reported non payment to  XXXX . I was paying   XXXX   XXXX   Apartments while living at  XXXX   XXXX   ( sam e management company  ) Plea se see attachments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
I applied for loan back on    XXXX   XXXX  2017  I  was told that I was denied due to my   XXXX   score being low. I then called and ask what is the score requirement to be approved. I was then told that your score  XXXX  score should be  XXXX . Then I ask the rep what was my score showing in then say  XXXX . So he then say I can contact the company   XXXX   to try in get my score up and then reapply within 30days. So I contact   XXXX   to start the process to get my score up. So today    XXXX   XXXX     2017  my  XXXX  score is  XXXX . Which way pass the company requirement to get approve for a loan. So I reapply for a loan on today  XXXX .17 I was today I was approved for  XXXX . And the only thing I have to do was submit 3 months of bank statements. Once I submitted the bank statement I was told that I was denied. So I then ask why he rep told me that I would have write them a letter to get a statement of why I was denied. So then ask the rep what was my   XXXX   score she then state that my score was  XXXX  and the company requirement score is  XXXX . So at this point I am  XXXX  because why would the company tell me I am approved at first. And then ask for all my personal information just tell me I am not approved This company is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
JCP  Credit Card abusive tactics : On   XX/XX/XXXX   I purchased several items with the credit card and pay the bill in cash before leaving t o Puerto Rico for  several weeks.     When I returned it was already past due. I tried searching for my receipt and I was unable to find it.     They called from multiple numbers with a per-recording stating that I was going to be recorded. They did not identified them self when I asked. There is a lot of fraud going on with these types of calls so I did not provide information or payment. These calls were at all hours from different  XXXX  numbers or area cods.      JCP c redit ca rd ( Synchrony Bank ) de creased my credit limit from  XXXX  to to the amount I owed plus the over charge fee, in order to hit me with additional charges. So instead of just reporting a late payment, by decreasing my credit limit they charged the highest fee and damage my credit twice.     Instead of {$45.00} dollar credit, I ended up paying aroun d  XXXX  JCP ta  kes  no responsibility and just tells you to call : Synchrony Bank  XXXX   XXXX   XXXX .  XXXX   XXXX   ,  OH  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 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have made  XXXX  payments on my student loans throughout the course of the loan. Sometime arou nd  XX/XX/XXXX - XX/XX/XXXX , my  student loan payment went up substantially  ( fr om about  XXXX  to  XXXX   ),  although my salary had not. I called Navient and was informed that my loan terms had changed and the option other than monthly payment decided by them was to do a forbearance. I took this option unaware of the PSLF that had gone into affect. I have worked for a   XXXX   XXXX  l for the last 9 years (   XX/XX/XXXX - XX/XX/XXXX  ). I j ust found out through the course of the last year of the PSLF and now understand why I was essentially forced into forbearance because had I made the payments I was making previous to the abrupt change, I would well have been with in the 120 p ayments necessary for forgiveness under the PSLF. I recently call ed (    XX/XX/XXXX  ) N  a  vient  as my last forbearance is about to expire. They now say my only options for repayment are to pay out the loan ( which is now more than the original loan because of continued interest accruement ) in full, in a 2 year or 3 year repayment plan because I got married and they are now considering my husbands income as mine. I have my own  XXXX  and have always used that for documentation and offered to send it but they said A ) it was too early to set up and resolve a new plan, as my forbearance is up in   XX/XX/XXXX , B  ) my new repayment plan would be made dependent on my filed tax return. They have mislead and withheld information that caused me to make decisions which have accrued more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Unbeknownst to me Huntington National Bank closed my account on XXXX XXXX 2017. I did not know about this till XXXX XXXX,2017 after I finally managed to get to some human being after placing numerous calls to the bank. The manner in which the account closer was handled had negative repercussions for me. I had a credit card payment scheduled : # 1. XXXX XXXX 2017 ( to XXXX XXXX XXXX {$810.00} ) and noticed that payment was returned and Returned Payment Fee ( {$25.00} ) was applied to my credit card account on XXXX XXXX 2017. I had no idea what was happening as I had more than enough funds in my Huntington Bank account to cover all my bills. # 2. XXXX XXXX 2017 ( to XXXX XXXX {$190.00} ) - Payment has been returned on XXXX XXXX,2017 I also scheduled a money transfer from XXXX XXXX to Huntington for the amount of {$350.00}, It was returned back to XXXX XXXX  and when i inquired what is happening, I was told that Huntington account was " dormant ''. So I thought it was just some kind of a glitch as I used the account regularly and initiated a new transfer fro XXXX XXXX to Huntington for the amount of {$520.00} ( XXXX XXXX2017 ). This transfer has never been credited to my Huntington Bank acct, nor it has not been returned back to XXXX XXXX still. On XXXX XXXX 2017 I was in the branch and made a deposit in amount of {$100.00}. It was accepted and again, no one told me anything. And on XX/XX/XXXX, when I realized that BillPay of my Huntington acct is not working I went to the bank again and withdrew {$810.00} to pay off my XXXX credit card. No issue.. No warnings.. Nothing.. During my visit I was given a phone # ( XXXX ) to call to find out why BillPay is not working. I left a message and nobody called me back. On XXXX XXXX,2017 I finally was able to get a hold of a human and was told that bank decided to close my account. No other clarification was given. So, today on XXXX XXXX,2017 I went to the branch and asked for all money I had in that bank account. It was simply a waste of time. No one at the branch, including the branch manager ( XXXX XXXX XXXX XXXX, XXXX, OH XXXX ) was not able to give me my money. I was told " we have limited responsibilities '', that my account was closed on XXXX XXXX, 2017, it is on hold and basically they can do nothing. And gave me a phone # ( XXXX ). No one has returned my call still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
I am trying to get a hold  of US Bank Home Mor tgage Customer service. They put me on hold and the line went dead. They are making it impossible to actually speak to a customer service representative regarding payment arrangements.

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 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
HSBC Bank Nevada,  N.A.    Charter Number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity  for 3x the bo gus balance amount plus damages plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Account was not verified or  Consent  was not givin prior to reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity Bank charged late fees after I closed my account and paid my remaining balance by the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I.Q . Data International , Inc. is at tempting to collect an invalid debt from me. On  XXXX   XXXX ,    2017, IQD sent me a collection letter. In the letter, IQD stated, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such judgment or verification. '' Shortly after receiving the letter from IQD ( within 30 days ), I sent a letter to IQD informing them that the debt was invalid and to cease collection efforts. Subsequently, IQD did n ot mail me " a copy of such judgment or verification '' and sent a second collection letter on  XXXX   XXXX ,  2017 .

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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:
I have filed several disputes with Experian by mail and online. I have multiple inquiries that I did not make and have asked for them to be removed and Experian has not completed this request. They have sent me the same explanation each time further allowing me to believe my request has not been fully researched on their behalf. I also have a collection agency by the name of  XXXX   XXXX   XXXX  reporting on my report and they should not be. I have not taken courses at  XXXX   XXXX . Experian has told me this information is correct but it is not. The company has not provided an validity to me nor can have provided anything to Experian. This was removed from my   XXXX   report and my   XXXX   because the debt is not able to be validated.

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 2017-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Nationstar Mortgage has failed repeatedly to cease contacting me via email, phone, and other methods, even though I have filled out their Do Not Contact Me At All form,   THREE TIMES!!!
Being Military,   I pa y 1/2  my Mortgage on the  XXXX , and the othe r 1/2  on the  XXXX . SEVERAL times, Nationstar Mortgage has FAILED to apply the first payment to the second payment, instead, leaving it in the suspense account,  XXXX   hys I have to contact them to do their job, or incur a late fee.
In between receiving the first 1/2 payment, and up until the second half is received, Nationstar w  ill repeatedly call and email me, requesting full payment, EVEN THOUGH I AM NOT LATE! I am late on the  XXXX ! I have yet to be late paying, yet they still contact me!     They also attempted to force insurance on me, which I quickly quashedwith proof that I had adequate insurance and that, if needed, I wiuld contact Legal.     I was part of the Wroght vs. Nationstar settlement ... seems they have n't learned a thing!     Attached are emails I have received from Nationstar in just a span of a WEEK! Keep in mind, I have repeatedly filled out their No Contact form!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We tried opening a business Checking account with Chase Bank, Horrible customer service, Employees have NO formal training, they make the stories, or come up with things as they go along , 1st we tried  at   XXXX   XXXX   branch on  XXXX   XXXX , that gentlemen asked us all the Unrelated documents and refused to open the account  2ndlly  we went to their  XXXX   XXXX  Branch in   XXXX   XXXX  , Texas, on  X/XX/17    @  XXXX ,  XXXX   XXXX  was suppose to be the in charge, for opening the account, We waited  30 minutes  for him to get off the phone, & than our surprise, He refused to get out of his room, aft er 3 trips to  his room, by the girl working there convinced him to come out and speak with us, HE comes out, without looking for any documents, asking any questions, Very Rudely, he begin to start giving us the long lecture & asked us to come back Most Horrible experience we ever had We went acros s the street & ope ned our account with  XXXX   XXXX  our associates and partners have agreed to close our accounts with Chase Bank, and discourage as many people as we can going to Chase Bank

Company response to consumer: Closed with explanation