vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My loan recently transferred from XXXX to Mr. Cooper. Mr Cooper neglected to pay the insurance renewal, of which resulted in it being cancelled with no option to reinstate. The ins rep acknowledged that they rec a notice of cancellation yet did not remit payment so that the cancellation could be avoided. I have been communicating with both Mr Coopers customer service department and insurance department to no avail. I have even tryed to obtain the assistance of FBs online service representative. Its as though no one cares. 

The policy canceled on XXXX/XXXX/XXXX and I am still without insurance. 

Mr. Cooper, formerly known as Nationstar Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft residing in the state of California. The fraud event has been reported to the police and a police report has been filed. 

I have recently placed a security freeze on my Experian account. On multiple instances I have attempted/completed a request for a temporary lift of the security freeze. In every instance Experian has charged me {$10.00} for the service despite my documented identity theft - a direct violation of applicable consumer law ( s ). 

Experian 's customer service is inaccessible and I am unable to accurately report the issue or discuss the process for correction directly with a company representative. Instead, I am directed through an extended and inapplicable automated system and the call is arbitrarily terminated without addressing any concerns. 

Experian has developed a system that does not appropriately allow consumers to contact their agents and/or address complaints or issues - including those that may be associated with violations of consumer law ( s ).

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 2017-12-23 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: LA

Complaint narrative:
Hello, I have contacted companies on my credit report that you ( transunion, XXXX XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX, its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to transunion and XXXX when they investigated they removed and corrected debts not owed by meXXXX XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX. Thanks XXXX and transunion for doing your job and please delete XXXX XXXX from your files as well. 

XXXX 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 2017-12-23 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: LA

Complaint narrative:
Hello, I have contacted companies on my credit report that you ( XXXX equifax, XXXX ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with XXXX just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and equifax when they investigated they removed and corrected debts not owed by me. XXXX  you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way XXXX Thanks equifax and XXXX for doing your job and please delete XXXX XXXX from your files as well. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both XXXX and transunion that they closed the account and dropped my credit score by XXXX points in both cases, transunion XX/XX/XXXX and XXXX XX/XX/XXXX. i called XXXX they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely 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 2017-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refusal to conclude on the case # XXXX I have filed on XXXX after exceeding the self-stipulated maximum consideration period of 30 days. 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Upon bank 's refusal to pay me the due US {$200.00} bonus for opening a savings account back in XXXX XXXX, on XXXX I have filed a dispute # XXXX. The bank 's representative has informed me in a phone conversation that the the issue is to be considered within 30 days period and the bank will communicate its decision in a written form. 

On XXXX, XXXX, XXXX I have called the Bank again ( phone XXXX ) asking about the status of the dispute # XXXX. The representative has refused to connect me to the department that was supposed to be handling my dispute. But she has told me that 1. the Bank has n't reached a conclusion in this case ; 2. the Bank refuses to issue any official communication to me upon completion of the 30 day period ; 3. the Bank refuses to estimate the additional time that will be necessary to complete the review of my case ; 4. however, I 'm free to call them on a daily basis  inquiring on the status of my case.

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 2017-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I XXXX XXXX XXXX XXXX XXXX in order to pay for any outstanding debt owed on my part as I was pregnant as of XXXX of XXXX and would n't be able to pay any debts thereafter. I would n't be able to pay anything once I gave birth because my employer was a small law firm that offered no XXXX Leave or XXXX XXXX XXXX, therefore, once it was time to give birth and recover I would essentially become unemployed. It is now XXXX/XXXX/XXXX and I am in fact unemployed due to complications with my delivery that required a lengthy recuperative period. To my surprise, I have received a bill from a collection agency for {$4100.00} that is apparently owed to XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete, and she confirmed that they were, I do not have over {$4000.00} to give to anyone. I should have known something like this would happen, during the transaction it was apparent that they neither cared about my XXXX or dilemma even though I was trying to do the right thing. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under XXXX law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the XXXX XXXX Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt. Their subsidiary is equally ruthless, the collection letters make no mention of my right to dispute the outstanding debt. I feel that I am being mistreated by this XXXX provider and collection company based on my age and XXXX and existing XXXX disorder, I often have to visit the XXXX facility because I have an illness that they apparently are n't skilled enough to remedy ... it appears that these companies are more concerned with cashing in on my XXXX than trying to help a member of its community that is truly in need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello. I have been looking at my credit report and it has been wrong for some time now. I had some very important dealings recently, that required inspection of the report and almost did not meet criteria as a result of non reporting. I contacted my bank / credit card companies and they say they are reporting. I can not ever get in contact with Experian by phone. I can not wait more than an hour to speak to someone.. That being said, I found an old correspondence email and used it to mail them. I received no response. My total credit limit from my old visa has doubled. I have a newer credit card that is also not reporting. It too carries a high limit. None of this is being reported and my score is just remaining the same. There are stipulations for everyone in society regarding credit and lack thereof. Yet the overseers of this system do not appear to be doing their jobs. As a result, people are being denied what they deserve, life is being put on hold etc. This does n't make sense.

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 2017-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Outsourcing Group, LLC
State: FL

Complaint narrative:
I have outstanding medical insurance under my husband 's policy through XXXX, I have no copay, and my XXXX pays for any coinsurance that may be outstanding. With that being said, I owe no debts to anyone, I made certain of this by visiting the billing department at XXXX XXXX XXXX XXXX in person prior to my XXXX and making certain that any old debts were paid. I did this because my employer offered no XXXX XXXX XXXX or XXXX leave and would essentially have to let me go once it was time for me to XXXX XXXX in XXXX of 2017. One would understand how I then find it difficult to comprehend why I have an outstanding bill for XXXX XXXX XXXX. Firstly, my name is XXXX XXXX XXXX, my middle name has never been " XXXX '' ... that is a candy bar. Secondly, if this debt was valid and they processed it correctly through XXXX, they should have been paid in full right? Well, to my surprise, I have received a bill from a collection agency for {$300.00} that is apparently owed to XXXX XXXX XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete when I paid them, and she confirmed that they were, I do not have another {$300.00} to give to anyone as I am XXXX. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under HIPAA law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the Healthcare Financial Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
On XX-XX-2017 I, XXXX XXXX XXXX XXXX, tried to open a new checking account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD. XXXX. I was told that I could not open an account, due to a ChexSystems report containing a file produced by XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX in reference to a Checking account held by myself, mother XXXX XXXX, and wife XXXX XXXX rtn.XXXX acct. ending XXXX. Closed non-sufficient funds X-X-2017 amount {$3700.00} This negative balance was a result of a charge back, reversal of provisional credit, as a result of fraudulent payments to XXXX drawn from the account in my mother 's name. This credit should have never been reversed, because the account was even deemed fraudulent by XXXX and payments were not due by anyone on the account. Furthermore, this should not effect my ability to open an account at another bank, for It did not concern me, my XXXX account, nor my ability to pay back a credit that was not my business even though the credit should have been sustained in the first place.

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 2017-12-23 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Asked XXXX XXXX to remove closed paid in full account, the account was XXXX XXXX. XXXX recieved letter and sent a notice to both equifax and XXXX that they closed the account and dropped my credit score by XXXX  points in both cases, XXXX XX/XX/XXXX and equifax XX/XX/XXXX. i called equifax they said that couldnt happen from a closed account, tryed to get documention they would not give it or any info on why my score went down. Your help in this matter would be greatly appreciated. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: United Check Recovery Bureau, Inc.
State: NY

Complaint narrative:
This started on XXXX/XXXX/XXXX. I received a phone call from XXXX XXXX XXXX XXXX, they left a message stating they were from XXXX and trying to settle a file that their client has placed and wanted me to call them back on number XXXX XXXX XXXX XXXX. I called that number back but was not transferred to anyone and it automatically hung up. Next day I got a call from ( XXXX ) XXXX, women stated her name was XXXX XXXX and was calling from the financial office of UCRB looking to get a statement of what happened between me and another party before they had to write a legal reccomendation. She only left her direct phone number which I called and left a message. She did not call back. I have never heard about this agency, and I 've never received anything in the mail from them in the past. I do n't want to give them my information unless I know they are collecting a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
Disappointing Service and My opinion not worth the {$95.00} per year. 
I found Chase XXXX rewards membership is misleading in couple of counts. 
I booked my hotel via Chase website. But they are not adding the hotel loyalty number despite the fact that they do not pass the information on to the hotel group. 
When I signed up I was looking for a good travel card where I can optimize my hotel loyalty membership. During my research I found that Chase has flexibility with Hotel reward membership, at least thats what they want people to believe. 

Now when I signed up I found that it is totally misleading. The hotels reservations you make through Chase ; you can not add your loyalty membership. Although they ask you to enter it while booking making you believe that your loyalty membership is considered. Possibly to make the customer feel that they will get their hotel membership privileges. Preveleges like late checkouts, free breakfast etc wont be available which Otherwise would have been available. 

When you call customer service they ask us to call the hotel directly to make them add your loyalty number. Again misleading customer to get off the phone and just try to 'escape ' the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One Auto Finance harassed me with false advertisement to discriminate me and remove me from auto financing as they send me about 10 pre-approval from Capital-One Auto Finance from serval auto dealers that include, XXXX XXXX XXXX XXXX in XXXX, however I can not locate all their advertisement but have addition a few. ( Attached as Exhibit ). 
I considered an Auto loan from Capital One because it was pre-approved and you just enter an online approval number that forward my information to the XXXX XXXX XXXX that given me an XXXX appointment at special sale event, wherein to bring copies of my pay stub, Driver License, and a bill. 
I received about 20 telephone calls from the XXXX XXXX to come with my document to pick-out an auto. XX/XX/XXXX I came into their office and submitted my documents and test drive a XXXX XXXX approved to take home with no money down. 
As my nephew ( XXXX XXXX XXXX. ) received a loan from the XXXX XXXX earlier that year for about {$21000.00} with a XXXX credit score and no driver license and some collection on his report to make unions happy, but I decided this was not the auto I wanted and sought to gather money for a down payment as the Special Finance Manager XXXX XXXX indicated my approval was until XX/XX/XXXX. 
Before I could returned in XX/XX/XXXX I received notice from Capital One and XXXX XXXX XXXX they did not want to finance as they said mu score was XXXX. Where in fact, they financing people with slow credit, no driver license and low credit score and my score was higher it was between 608 and 622. ( Attached as Exhibit ). 
These people harassed me for a year with pre-approval and telephone calls and false advertisement for over a year to come in and get an auto and once approved reversed their decision that has cause me further discrimination to remove my name from the system and worked with the Capital One, XXXX XXXX and the XXXX XXXX XXXX to implement organized discrimination and cover-up with the credit bureau. 
As you may not know As these people work with the credit cards and credit bureau and can change your score every day sometime, they have people steal your information and assist with fraudulent charges to have you close your accounts to reduce your credit score to cover-up discrimination, as they work with governments, unions and lodges as this is one of the reason XXXX has become one of the most violent city in America.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: NM

Complaint narrative:
I have sent Equifax and XXXX XXXX numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have sent XXXX and Trans Union numerous requests to investigate, verify and remove an account from my credit report/file that does not belong to me and they are not responding.

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