vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I previously filed a complaint against the Credit Bureas with ( CFPB ) and they have yet to provide me with any verifying proof or evidence on the matter they sent me one notification 15 days ago stating they needed more time ( 15 ) days to complete investigation

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 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. 
On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. 
According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 
2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 
3.-Insufficient prepayment activity on installment accts over the last year. 
4.- Too few recent balance in full payment activities. 
I pay all my balances in full before the due date. 
Never in my life I have been denied a credit card before by any financial institution. 
My credit score is second to none and my FICO score is XXXX. 
I wander if this is a case of XXXX discrimination since I am of XXXX origin.

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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2015 Amount : {$9500.00}

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 2018-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2016 Amount : {$5500.00}

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 2018-11-14 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: GA

Complaint narrative:
On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. 

The computer was shipped to me on XX/XX/18. 

I had set up the Barclays account to autopay the minimum payment each month. 

Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. 

To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. 

When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. 

In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. 

Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. 

When I spoke to Barclay 's their position was too bad, that is their policy. 

I feel this was a deceptive trade practice and would appreciate your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian should have sent Financial Compensation for re-insertion of derogatory items!

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 2018-11-14 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: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I was very sick in XX/XX/2017 from XXXX treatment. I called the VA they told me to go to the nearest hospital. I could n't drive so i called an ambulance. They picked me up at my home held me as i walked down my stairs. I was XXXX and XXXX from the treatment and the lack of being able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Again the Veterans Administration Hospital XXXX in XXXX Maine ( actually XXXX  Maine ) Was responsible for the transport to the hospital by the Ambulance Company. And they were told 2 times that they were to bill the VA Hospital at XXXX Maine. 
Then when they sent the bill i told them again that they were to charge the VA hospital. 
I only received that one bill from the City of XXXX Maine. 
No other bills were sent. I had sold my home by that time and was moving to Florida and I did put in a forwarding address at the POST OFFICE. But I still never received a second billing so I assumed that the matter was settled and the VA paid the bill. 
Any way I started getting harassing phone calls from a Thomas Agency.  They kept harassing me over and over and over again. I blocked all their numbers and stopped them from calling harassing me. 
I had explained to the City of XXXX that they needed to bill the VA Over and over but they did not follow my instructions so what can i do about that? If they had submitted a bill to the VA then they would have been paid. But they did not. So I can not help that. So they were upset because they didnt follow the instructions and sold the debt to a company that harassed me over and over and over again for their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
Dear Federal Trade Commission : This is a letter serves as a formal investigation request investigation for a breached agreement by Focus Recovery Solutions. 

On XX/XX/2018, Focus Recovery Solutions mailed a counter-offer in response to my original settlement letter dated XX/XX/2018. On XX/XX/2018 I faxed a letter accepting their counter offer in the amount of {$390.00} contingent upon deletion and any negative remarks on this account. 

Despite my financial hardships due to their willingness to resolve this account I paid the counter offer as agreed on XX/XX/2018. I feel as though their eagerness to help me resolve this account was a form of deception get me pay with no intentions of removing from my credit after settlement. 

On XX/XX/2018 not only did they update this account on my credit report as a new collection account they added a negative remark indicating this account was settled for less than the original amount owed. Their actions not only dropped my credit score 21 points but has cause other revolving accounts to affirmation actions to include lessening my credit limits based off current credit score. 

I am requesting the immediate removal of this account that i am no longer liable for. Should this account status remain on my credit report, I ask that my payment of {$390.00} be returned for breach of contract and any further communications cease. 

Thanks in advance for your prompt assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I received a letter by mail in XX/XX/2016 that my loan qualifies for XXXX School discharge and it would be discharged. Well years later my loans were not discharged. XXXX sold my loans to Navient and Navient is pretending like they never heard of this. I have fought for years with XXXX. Now that the loans are transferred to Navient, they stated I have to start the process all over. I have 4 loans from XXXX  school that totals {$7000.00}. I just want this taken care of so I can pay my legit student loans. This has hurt my credit score and interfered with finding a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
falsefiling1 ; XX/XX/2018 In law, GAAP, generally accepted accounting standards require businesses that issue financial statements to the public adhere to the principle of permanence of methods : Consistent procedures are required to be used in the preparation of all financial reports.However, the Union Bank will conflate various kinds of charges, i.e., principle, interest, even false or disputed charges, assisted with multiple accounts in the customer 's name, to conceal disputed and false filings in violation of law. And then holds the customer hostage to paying the false filings by refusing to record the payment unless the false filing is accepted.The Bank Has already made an admission that approximately {$5000.00} was incorrectly charged to my account by false filings and had made appropriate revisions.That is indeed progress ; but the same accounting techniques are still continued to be used. 
The Bank is still conflating principle and the few remaining disputed charges, in order to pressure this customer to pay up, without further investigation, ( something that is generally called extortion ), and it puts an end to lingering optimism. This is, of course, considered illegal by California statutes, but the Bank believes that it has impunity although it is evidence of bad faith and petty theft. 
Recently, an unresolved charge of a few hundred dollars was added on to a mortgage payment, but acceptance of the payment is made contingent on acceptance by the customer of the false charge. It is required to be paid without protest and definition or recognition of a dispute in its entirety. When a mortgage is transformed into a partial payment It is one way of twisting customers arms by piling on interest ; it is a method that the Bank considers effective and seems to work for them, although extortionate for obvious reasons.

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 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I purchased my home XX/XX/2010. During the last 9 years I have gone through an ugly divorce, had 2 XXXX, 2 wrecks, my son went to XXXX for 20 years and a number of other issues. When I was 2 months behind Chase stopped accepting payments from me. I have applied for loan modification in excess of 5 times. The results are always I am denied either due to not enough income or on one occasion to much income even though nothing changed. I was denied the right to use my child support of {$380.00} a month as income because there was no divorce decree. I was never married but we got an attorney had a parenting contract and had it notarized and filed. I was also denied the ability to use my XXXX year old daughters income because she hadn't had her job log enough. I co-signed for my son and his wife for a car and provided 3 months of proof they make their own payment but was not allowed to subtract that from my debts even though I pay my own car payment. I owe more on my house now then when I moved in 9 years ago but no one can explain to me how that is possible. I was denied any type of a repayment plan. Foreclosure papers were left on my step when I was out of state but were filed with the court saying they were accepted by someone in my household that doesn't exist and no signature was provided. I filed an appeal on all of these issues but nothing was done. All I want is a fair chance to make my payments and keep my family in a home during the winter months but Chase refuses to work with me at all. My daughter in law who is pregnant recently moved back in with me and I tried to include her income but still denied. Please help a person who is just trying to pay her mortgage and keep her children 's home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
Back on XX/XX/18, I was contacted by XXXX XXXX XXXX XXXX  They called my cell phone a couple of times and left no voicemail. After finding out they were a debt collector, and due to the fact that I know that I don't owe anyone anything, I called them back to see what the problem was. They were looking for someone ( some XXXX ) who only shared a last name with me, and I had no idea who they were. They apologized and said they would take my number off of the list. 

This morning ( XX/XX/18 ) I received yet another phone call from them, same situation, I don't owe anyone a cent. I tried calling them back, twice, at ( XXXX ) XXXX to remind them what was discussed, and all I get is dead air. I'm sick of these people calling me over a complete stranger 's debt. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: IN

Complaint narrative:
WayPoint sent a letter dated XX/XX/2018, in which WayPoint provided insufficient evidence of debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Furthermore, this was provided outside of the legally-required 30-day period pursuant to the FDCPA. 
On a letter dated XX/XX/2018, WayPoint alleged one " XXXX XXXX '' owed a debt of {$51.00} for an account with XXXX XXXX. 
I received this letter via US Mail on XX/XX/2018, and sent a request for validation on XXXX XXXX, as you will see in the attached documentation. 
On a letter dated XX/XX/2018, WayPoint stated that they had received my request for validation and would investigate further, pursuant to the 30-day requirement. 
I did not receive any communication providing validation before XX/XX/2018 ( 30 day window ), and sent a notification to WayPoint that as you have failed to provide validation pursuant to the requirements of 15 USC 1692g Sec. 809 ( b ) of the FDCPA, this matter must be closed. 
On a letter I received on XX/XX/2018, dated XX/XX/2018, WayPoint provided, outside of the 30-day period required in 15 USC 1692g Sec. 809 ( b ), claims of debt verification, not evidence of debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: NJ

Complaint narrative:
I had an account with XXXX. I had the account for a few years. At one point, a former friend of mine began working for XXXX and asked if he could join my account and we could both use his employee discount. I didn't really think that was a bad thing so I agreed. The employee then accessed my account without my knowledge or consent and added multiple lines fraudulently. I never noticed because I wasn't paying the bill. When I did notice extra lines on the account, I would ask him and he would always tell me they were his, for his tablet, or his work line, or something else. We would argue because I never allowed those lines to be opened, but the bill would always be paid and he always said they were temporary. Eventually, he was fired from XXXX and the bill went unpaid. I texted the other numbers on the line and a person confirmed that he opened her account on my line and she was paying him for the line. I cancelled all the lines and reported all the phones as stolen. The account was closed and the bill jumped to {$4000.00}. I filed a police report and filed a fraud claim with XXXX. The claim was denied solely because I knew the person who committed the fraud. I do not think this is fair. I can prove that I wasn't in a XXXX store to add those lines. I can prove my conversations with him where he continuously lied to me. I can prove what the other person on my line said about how he opened her account. I kept all of those conversations. I have a police report. I have time-records from my job that show I work in XXXX and no where near that store. There was never any authorized user on my account other than me. Crimes are crimes, regardless if you know the person or not. This bill was sent to collections and has now adversely affected my credit. With the derogatory mark, I am ineligible for federal student loans. I just applied to a XXXX XXXX that I can now not attend because I can't get loans. My credit is otherwise spotless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal, held funds, started bank transfer, then denied bank transferred, charge fees and canceled transaction. Spoke with XXXX and her supervisor on XX/XX/2018, but they also denied to help correct the issue. 

Transaction details Print Withdrew Funds to a Bank Account XX/XX/2018 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : DENIED Gross amount - {$100.00} USD Your Payment Gross Amount- {$100.00} USD PayPal Fee {$0.00} USD Net Amount- {$100.00} USD Contact info Bank Account Funding details Funding Type : Bank Account Funding Source : {$100.00} USD - THE XXXX ending in XXXX Funding Type : PayPal Balance Funding Source : - {$100.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FULTON FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, On XX/XX/2018 I placed a call to inquire about a new monthly interest charge I was receiving because I wanted to pay off the portion of the current balance that was causing these charges ( XX/XX/2018 for {$10.00}, XX/XX/2018 for {$2.00} ). The following charges on my account I believe were to be causing the interest charges : XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX NY - XX/XX/2018 I want to pay off these charges on my balance in order to avoid any further interest charges. Currently the employee over the phone stated that I must pay off the promotional balance transfer offer first and then I would be able to pay these charges off after to avoid interest. This makes no sense to me as they allow you to do this for their consumer credit card but not their business credit card, why? I also complained about this before and had to get in touch with a manager last year who did refund my interest charges. 

Prior to these charges, I was sent a series of promotional balance transfer checks that I wanted to use for my business. I have paid the balance promotional fees required for each check I took out but now that I am paying additional interest charges, this seems like XXXX XXXX XXXX is trying to take advantage of me as a small business and charge me on anything else possible despite being a loyal customer for several years with great credit and very good record.

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