vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capitol One Auto Loan is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I opened the Chase XXXX XXXX  Rapid Rewards account through a link on the XXXX website on XX/XX/2018 and bought my ticket immediately after opening it. I was lured by the offer of a {$200.00} statement credit right away and then {$50000.00} XXXX  Rewards points if I spent at least {$2000.00} in the first 3 months. I did receive the statement credit on my first bill and I spent {$2200.00} in the first 3 months, at which point I figured I'd get a " congratulations, you earned your bonus '' note or something. Since I didn't, on XX/XX/XXXX I contacted Chase via the Secure Messaging function in my online account to ask when I would get the XXXX  Rewards Points. They told me I'd been offered XXXX  Rewards Points after charging {$500.00} to my card, and that those points had been deposited in my XXXX  account ( which they were ). When I said their records were wrong - I'd signed up for a different offer - they said no, they weren't wrong unless I could prove what I was offered. Of course I can't prove anything - I didn't have the foresight to take screen shots as I was applying ( though that only shows an offer was available, not that I actually applied through that offer ) and Chase pointedly doesn't document anything " because their offers change all the time. '' I can search " Chase XXXX XXXX  Rewards Points '' and find several websites from between XX/XX/XXXX and XX/XX/XXXX that refer to the bonus offer - so I know it WAS an offer that was available at the time I opened my account, and I know I would not have put over {$2000.00} on my Chase card without that incentive ( I would've opted for cash back on a different card ), but Chase ensures that there's no way for a consumer to prove what s/he was offered at the time of the credit card application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

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 2018-07-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.

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 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Diversified Consultants did NOT verify the disputed debt when debt validation was requested within the 30 day window. They were collecting {$140.00} for XXXX XXXX XXXX but couldn't retrieve the correct staatement and sent me a so called COPY of my account with an incorrect amount due. 

They were asked to itemize what I owed and just snapped some INCORRECT copy from XXXX XXXX XXXX. 

Their also NOT licensed to collect in the State of Michigan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I made a reservation via credit card for a hotel stay the night of XX/XX/18. I arrived at the hotel about XXXX to be told " I'm not seeing a reservation ''. No big deal, technology errors happen. I simply re-booked a reservation while at the counter, paid via same credit card, signed my name, and stayed. I received my credit card bill the next month and noticed being charged {$91.00} ( price without dog ) for the initial reservation ( # 1 ) and also the stay I signed for about XXXX ( # 2 - price with dog ). I disputed this as a duplicate charge with Bank of America immediately. The dispute was denied and I received photo copies of the receipts with signatures on XX/XX/18, then I realized what happened. The hotel mistakenly checked in a stranger under my name about XXXX and receipt # 1 was signed for by stranger on my bill, all when I was hours away from the hotel. This makes sense about being told " no reservation '' ; stranger was already in my room. The signature from the receipt is absolutely not mine or even close and again, I was hours away. The signature from the bill around XXXX ( # 2 ) is easy to see it's mine. To make things worse, when I did arrive about XXXX, the clerk was a visible nervous mess. He misspelled my name on the correct receipt while physically holding my ID and credit card. I'm thinking he realized that there was a mistake was too embarrassed to admit it. Easier to just let me pay again instead. I was road-weary and failed to notice the misspelling at the time. 

The hotel has refused to budge and refund me. They intend to unjustifiably keep my money. 

Upon finally reaching a human to talk to at BOA on XX/XX/18, I was told that BOA isn't handwriting experts and that the charge stands as valid. BOA refuses to acknowledge the common sense of this false charge ... .hours apart. If my card is on file ( which is required to hold the reservation ) and the hotel makes a mistake, it's BOA 's good faith responsibility to back me. I can't control a hotel clerk making a mistake, intentionally/fraudulently or otherwise. I can only imagine the stress to my life if the dispute was in the thousands of dollars and BOA refuses to do their due diligence. 

The notes next to " XXXX '' on the scanned images are from the hotel representative. The handwritten " pet fee '' note and the odd page numbering. The others indicating time, total, dog fee, and signatures are mine.

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 2018-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i am working on resolving on my credit card debt in general, i have asked this particular phone called in general to stop calling and got a nasty response of a live person that it doesn't work that way without even hearing the story, i refuse to receive abusive tempting calls, especially after blocking one of their phones already, i have asked again to stop calling but the person on the phone did not think its a reasonable request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
on XX/XX/17, we signed papers with XXXX to assist us in getting through a " class action '' with XXXX XXXX XXXX. a rep contacted us, due to our mortgage being with XXXX and said we could hire them to be a part of the action and that we could get the over payments we gave to XXXX applied to our loan and lower our payments. We were given an option to pay off our home or lower the payments, we opted to pay it off. We were given information on a loan company that could help us get a new loan with lower payments. Around the XX/XX/XXXX we were contacted by the loan company and title company stating that the law firm filed fraudulent documents on our title and they couldn't do the new loan. it has been over a year, they have {$4500.00} of our for representation and now we are facing foreclosure and our mortgage company ( Carrington now ), wont help us in a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2018 Suntrust Bank of XXXX Florida hired XXXX XXXX XXXX ( XXXX XXXX Mgr, XXXX at XXXX XXXX, XXXX, FL XXXX ) to repo my car from my driveway at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX   illegally. There is no lien on my newly purchased car. I paid XXXX cash from XXXX XXXX XXXX in XXXX XXXX, FL. I possess a new Florida Vehicle Title that shows clear. This was a bad repo and caused me extreme trouble and inconvenience as well as any forceful damages to my car that they will not release to me from the tow.

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 2018-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My bank account was attacked by fraudsters on XX/XX/XXXX using detail only available on an idle Serve account. When I called to cancel my account and request a complaint be filed for data breech, the customer service agent did not know how to address my concern. Instead, he made me repeat my request several times, then transferred me to another line, which kept me on hold for several minutes. I disconnected after more than a a five-minute hold time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
The company is a mortgage dept collector. They are saying I am behind on a payment. I am NOT. They call my home constantly. I have asked about the month they are requesting. They give me different dates all of which I can prove from my bank that the payment came out and they received the funds without any difficulty. They have tried to to foreclose on my home. I got a lawyer who stopped the foreclosure and said I should have never gotten the foreclosure papers. They are adding the fees to my payments. My loan modification was done by a lawyer and approved by the courts. This company that the loan was handed down to seems to not want to comply with my loan or is trying to collect more than is required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/2014 I appeared in XXXX XXXX County Court to settle a dispute with XXXX XXXX XXXX. Case # XXXX was heard by Judge XXXX and DISMISSED. The matter was resolved on the spot and closed. After repeatedly being turned down for employment and credit extensions in the last few years, I requested my free credit reports to discover negative information reported from Professional Finance Corp as collection on behalf of XXXX XXXX XXXX? I called them directly but received no direct answer or call back from messages left. I disputed the information TWICE with the credit bureaus directly to have them refuse to remove this false reporting? I have provided copies of the court dismissal documentation issued from XXXX XXXX County court and the are still non compliant.

I do not owe Professional Finance Company anything. The issue between myself and XXXX XXXX XXXX was resolved directly, in court!!! 

This negligence has cost me employment and is hindering my ability to survive as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Made ATM deposit at CompassBank in XXXX, TX with 2 checks. ATM didn't give recpt and no record of dep on XX/XX/2018. I called custmr serv and put in dispute XX/XX/18.Went to bank XX/XX/2018, they found checks ( XXXX and XXXX ) said unable to give credit research with XXXX XXXX and takes up to  10days. I informed branch manager my landlord charging late fees and possible eviction. He said show them a copy of research request. Didn't write letter. Landlord req letter to offset fees which totaled over {$200.00}. I called customr serv again for letter XX/XX/18, they said will send lettr in mail and go to branch to hav faxed copy. Again, go to branch in XXXX, TX XX/XX/18 they said non letter was there from customer service. While at branch I called custmr servc spoke to suprv, she said would hav fax sent to branch in 3 hours. I go back still no letter after 3 hrs, called cust service and again I spoke to another supervisr, extremely frustrated due to agent said he was told by anothr suprv they WOULD NOT send a letter because the day before they refunded checks. I asked to spk to that supvr, he got on phone and identified himself as XXXX XXXX and yes I was not going to get the letter and the prev supervisor had given wrong information. Said to hav branch call and ask for Dept One.  Branch employees looked surprised he was giving this info. While I was speaking to branch, XXXX XXXX hangs up the phone. While I understand there is a process, I should not be penalized for deposit not showing up, causing possible bad credit with my landlord and fees. XXXX XXXX is a poor example of a CUSTOMER SERVICE supervisor. Poor skills almost " defamation of character '' in regards to talking about previous supervisor. Also against the company that he works for. When I told him I would file complaint he said " you should ''. The original request for letter was XX/XX/2018. Told XX/XX/18 they would give a letter and at that time checks were still not credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
REFERENCE " cfpb '' CASE NUMBER : XXXX cfpb, I appreciate your follow-up regarding the referenced complaint and the dead line to receive feedback. Please note, on XX/XX/2018 ; I submitted feedback to the company 's response to Consumer Financial Protection Bureau ( cfpb ) ; along with copies to Specialized Loan Servicing ( SLS ) ; Federal Trade Commission ( FTC  ) ; XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX Consumer Disputes ; and XXXX XXXX XXXX XXXX.

Per United States Postal Service delivery tracking numbers and confirmation of received response/documentation ; receipt of my response.

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 2018-07-21 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: PREFERRED CREDIT INC
State: GA

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX XXXX, placed inquires on my credit file, and illegally retrieved my credit file. 

On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA

Complaint narrative:
On XX/XX/2018 Castle Credit Co Hol, placed inquires on my credit file, and illegally retrieved my credit file. On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I tried to get a free credit report from Equifax but could'nt because the verification questions had to with me getting an auto loan at CU and a retail credit card which I did not get from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA

Complaint narrative:
On XX/XX/2018 I finalized a financing plan with Castle Credit Co Holdings, when I purchased a XXXX Vacuum Cleaner. Since then I have attempted to fix issues with the company but have been completely unsuccessful. Not only was an auto-pay never established as promised, due to that they are reporting my account being ( 30 ) days late on one occasion. I had already called them and spoke with a person in charge about this related to my auto-pay and was assured it was taken care of and would not affect my credit report. Now, they have a late payment on my credit files, which has lowered my FICO score by more than 100 points. In addition to having this issue with the company, they also illegally retrieved my husband, XXXX XXXX 's credit file. I never consented for them to pull his credit files, and he has placed a separate fraud action for that matter. He was not even present, and I was the only one doing  business with their company. I have this account solely in my name, and have a signed contract with my name and signature on it. My speculation is they preferred for him to be listed on the account with me, but that is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
ISSUE # 1 : After submitting a recertification for my income-driven repayment plan, I received an email from XXXX on XX/XX/XXXX stating the following : " We were not able to process your recertification request for your Income-Driven Repayment plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. '' I never received any such letter detailing why my IDR recertification was denied given no change in annual income. I called customer service and the agent said not to worry because my payment would NOT CHANGE until XX/XX/XXXX. This was a lie. Today ( XX/XX/XXXX ) I received a direct-debit reminder for a significantly higher payment ( more than {$200.00} increase ). 

I speculate that XXXX may be using spousal income based on XXXX. However, not only do we plan on filing separately for the current year ( XXXX ), we also have a pre-nuptial agreement stating that my student loans are not community debt. 

ISSUE # 2 : I do not believe XXXX is counting eligible payments made to my previous loan servicer ( XXXX ) toward my public service loan forgiveness ( PSLF ). I have copies of bank statements showing payments made that are not being counted by XXXX even though they were made under an eligible repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: MA

Complaint narrative:
XXXX reported me 3-4 months late On a credit card balance of {$19.00}.

They reported this to all three credit bureaus and it has affected my credit score.

Contacted XXXX on XX/XX/XXXX and they told me that I have a XXXX balance as of XX/XX/2018 when they closed my account. 
I never received a statement from XXXX for months cause I had not made any charges on the card! 
XXXX would not contact the three credit bureaus on behalf to settle this problem!

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