vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian drop my credit score by 28 point. Im mortgage company sold my account to another company. Other than one new. Credit card account there 's been no changes. How do my score drop 28 point. I believe this is unfair scoring.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
XXXX failed to disclose that after their original denial and ask for additional funds of XXXX, that a new HUD settlement statement was sent offering exactly what they asked. They then took a month to get back and still denied with no additional reason. So to state that they tirelessly worked is an exaggeration and false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
Four years ago I co-signed for my grandson to get a student loan. I was told by XXXX that if my grandson made 12 consecutive payments without being late he would be able to release me from the loan. Well I made sure my grandson paid his bill on time so that I could be released. My grandson put in the release form after making the twelfth payment. He received a letter back from XXXX stating his request had been denied.If I had known this would happen, I never would have co-signed. Im sure they want to keep me as a co-signer due to having a credit score of XXXX but that wasnt the deal we made. Can anything be done about this? Theres has to be a law against these companies ripping seniors citizens off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.

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 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I have a XXXX account which I had been using successfully for a few months. My last transaction sent to XXXX was for XXXX on the XX/XX/XXXX which successfully went through. 

Just before the money arrived in my XXXX account, I found that I could n't login and that my username or password was incorrect. After attempting to gain access many times ( I know the password ) I went for a password reset which, again, did n't help. 

Now it says my account is disabled and to contact support, who have not replied and are of no help at all. I 've tried contacting them through all of the different channels, and they are not responding. I do n't know why my account is disabled, I do n't know how to get it reactivated and they have my money. I feel like XXXX is a complete scam. 

Please help, I 'm not sure what to do now. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
BBVA Compass XXXX signature card statements from : @ XXXX, XXXX through XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXX XXXX, AL XXXX XXXX BBVA Compass ( both listed locations ) send me statements and complementary checks. 

This is the letter that I have sent both locations : Stop sending me BBVA Compass checking/saving account notices. I do not have a BBVA Compass account.

Stop sending me BBVA Compass XXXX Signature statements. I do not have a BBVA Compass account or BBVA Compass XXXX Signature card. 

In writing, please respond to me and : 1. verify that I do not have a BBVA Compass account.

2. verify that I do not have a BBVA Compass XXXX Signature card. 
3. verify that BBVA Compass has notified its credit rating services that I neither have, nor have requested, a BBVA Compass XXXX Signature card and that my request to stop these correspondences from BBVA Compass does not, and should not, affect my credit rating. 

On XXXX XXXX, XXXX I received a BBVA Compass letter from BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX. The letter " per your request, we have closed your XXXXBVA Compass credit account. '' XXXX XXXX, XXXX I received another XXXX Signature care statement. It seems that my information has been transferred to another branch and it starts again. This appears to be a XXXX XXXX scam with fictitious accounts. Additionally, neither of the statements has a complete account number - the last four digits differ from each location but the Customer Service phone number is the same and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Prince Parker & Associates
State: CA

Complaint narrative:
Received call from XXXX XXXX XXXX Supposedly in North Carolina stating they had received letter from XXXX re an old bill. They wanted my credit card information and to pay now or else my credit would be ruined. 
Called XXXX, they verified that bill was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase failed to fully enroll me in a travel benefit program. When I called to address the issue, Chase told me that I could still pay for the benefits out of pocket ( airport lounge access ) and that they would reimburse me fully. Now, they 're refusing to reimbursement part of the charge. 

Timeline : 1 ) XXXX 2017 : I signed up for the Chase XXXX XXXX card, and enrolled in the XXXX XXXX XXXX  program. Typically membership cards are then mailed to new XXXX members, but none was sent to me ( I did not know to expect this ). 
2 ) XXXX XXXX, 2017 : I attempt to enter a XXXX XXXX lounge with just my Chase card- they explain that I need a different card and that I should talk to Chase. 
3 ) I call Chase at XXXX. The agent re-initiates the delivery of the physical card, and tells me that, in the meantime, I may pay for lounge access at XXXX XXXX lounges, and that Chase will fully reimburse those charges. She says that the policy allows for a single reimbursement per round trip, so if I use lounge access on both legs of the trip, I should wait until they both post before submitting a single reimbursement claim. 
4 ) XXXX XXXX, 2017 : Via secure message, I submit a reimbursement claim to Chase for lounge access for {$69.00} ( {$45.00} on leg 1 and {$24.00} on leg 2 ) 5 ) XXXX XXXX, 2017 : I receive a physical letter from Chase saying that they 've approved the reimbursement of the {$45.00}. No mention of the {$24.00}. 
6 ) XXXX XXXX, 2017 : After several back and forth secure messages, a supervisor tells me that a ) their policy is to reimburse a single charge and they will not reimburse me for the {$24.00}, and b ) they have no record of me having spoken to a Chase agent about this on XXXX XXXX. 

I tried to handle this through Chase but I now feel that they 've intentionally misled me to get me to spend more than I otherwise would. They have records, I do n't understand why they 're unwilling to look at their own data to confirm this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CT

Complaint narrative:
I was denied a loan modification the end of XXXX due to my debt being too high. I send emails onXX/XX/XXXXwith legal documents proving the inaccuracies that Selene had  calculated. During our meeting with both AttorneysXX/XX/XXXX Selene agreed to do a new calculation and push out the sale date. I sent updated pay stubs showing I make more money now and the debt they have is in accurate. As of today they have ignored me. Also no where on the document stated a deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
OnXX/XX/XXXXi received a letter from Rmp receive more. The letter was about a debt that i disputed and sent certified to credit bureaus onXX/XX/XXXX The response they sent back is not really a debt violation. They did not send my original contract. Secondly this account is on my report but is stated to be for my son. They also violated the HIPPA LAW and included diagnosis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Performant Financial Corporation
State: TX

Complaint narrative:
This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with Performant Recovery. I am also requesting a receipt of this loan, as well as please provide the note!

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I obtained a subprime mortgage from WAMU in XXXX that i believe to be fraudulent in the way the financial terms were setup, in addition to the property having and continues to have structural damage because the house was constructed on peat bog causing the foundation to crack and shift. I believe that WAMU colluded with the building inspector to certify the property although the inspector saw evidence of structual damage to the house and the house was not to code but the building inspector greenlighted the property for sale to me. JPMC acquired my mortgage for pennies on the dollar in XXXX from WAMU when WAMU went under from the subprime mortgage crisis, therefore, assuming the problems associated with the property. The property was reassessed by the XXXX of XXXX XXXX WI in XX/XX/XXXX for {$57000.00} from XXXX and the house being condemned if the house is not brought to code. I am in the process of negotiating an agreement with JPMC to write off the loan or reduce the loan to the XX/XX/XXXXassessed value of {$57000.00} but I am not making any progress. Currently no real estate broker will list the property, with these structual damages and my insurance company will not pay for the damage. I am stuck with a loan of {$200000.00} and a second mortgage of {$14000.00} with no relief in sight. I have dicontinued to make payments until this is resolved ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
After selling my loan to XXXX XXXX, capital one kept losing my loan modification documents or asking to resend banks statements because " it needs more pages '' even though all the pages were marked. Today I was assured that my modification package was received and the foreclosure is on hold. The reason I decided to log this complaint is Capital One is transferring my loan servicing to a new company and I hope the modification process is n't jeopardized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: TX

Complaint narrative:
Please cease calls to my aunts number she has a medical problem and already has had an XXXX XXXX  she let me know that a XXXX was very rude to her please am aware that am late on my payment am trying my best to get back on track with the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I do not have the dates of my student loan. It was XX/XX/XXXX or XX/XX/XXXX. XXXX sold me " college '' debt and the education was n't worth transferring credits bit they helped me get my student loans and grants put thru. I have heard there was a lawsuit. I really need this resolved so I can go back to school. This time just for a certfication. XXXX is like half student loans. Can You Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: MD

Complaint narrative:
Complaint XXXX about COMENITY CAPITAL BANK. I filed a complaint before comeninty Capital Bank said they would reverse the erroneous fees and close the account. However again I received a statement for months worth of Applied fees and interest on a XXXX balance account which I have been trying to close for months. They sent you a letter agreeing to reverse the fee and close the account. This did not happen. What is my next step in having this company correct this problem? I have stopped shopping the store as a result of this annoying issue. Please advise. 
XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: OK

Complaint narrative:
I was paying my loan. I was sometimes late but, was faithful. I paid for the month of XXXX, XXXX and I received a receipt with balance of XXXX and some change. Well I was late paying XXXX and I was going to pay it until they told me that I owe XXXX. I was concerned about this issue and I decided to send in a complaint to find out if you can assist me in this matter. Thanks for Your Attentiveness XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is due to failure to validate in accordance with 1692g, I do not have a contact with XXXX XXXX. I am also requesting a receipt of this loan, as well as please provide the note!

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 2017-11-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted a personal letter to XXXX XXXX and Transunion in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. 


Thanks XXXX XXXX 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 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I wanted to send XXXX dollars to pay for a skiing event in XXXX. I called the Associated Banks  customer service line on Wednesday, XXXX XXXX, and was told to call my local branch and that they would help me with sending money to XXXX. 
On Monday, XXXX XXXX, I called the local branch, and they referred me back to the Associated Bank customer service line. I called the customer service line, and was told to call the local branch. I told them that I had just done that. XXXX began to look into the problem for me, and about thirty minutes later she called back and told me that what I needed was a Foreign Draft. She said I should ask for a supervisor or manager, and that the cost would be {$40.00}. 
On Wednesday, XXXX XXXX, I went into the branch and said that I needed a foreign draft for {$870.00}. The person helping said that she didnt know what that was. I said that I was told to ask for the supervisor or the manager. She said that she was the supervisor. She called two people, and the second one walked her through the process. The transaction went smoothly. I was a bit surprised when she said that a XXXX dollar was {$.00} American. Five days earlier XXXX said it was {$.00} American. She said the check would be here on XXXX XXXX, but it was actually here on XXXX XXXX. 
I made the mistake of not checking with XXXX before arriving at the bank. Later in the evening, I asked XXXX, and a XXXX dollar was worth {$.00} American. I did  not question the transaction, thinking that the bank would have the exact price for a XXXX dollar. The transaction fee was actually {$20.00}. On the attached form, it stated {$10.00}. I dont have a problem with that. They should really update their forms, and add creating a Foreign Draft to their training material.

Company response to consumer: Closed with explanation