vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-04 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX would not honor an offer to credit {$50.00} back on purchase of {$250.00} or more at XXXX. The XXXX offer is titled XXXX XXXX XXXX XXXX Spend {$250.00} or more, Get {$50.00} Back. Click once on the offer in the XXXX app and the text above is repeated. It also mentions 'Multiple Locations '. The same page states, ' ... after you pay for your stay with XXXX XXXXXXXX XXXX XXXX from XXXXXX/XX/2017. Book directly with XXXX XXXX XXXX XXXX ... '. Still no mention of it applying to any specific brand only. The XXXX Rep stated it was for XXXX XXXX. 

No mention that XXXX is excluded as of yet. 

There is a map on the same page. It highlights XXXX locations in my current proximity. Neither of those highlighted are embassy suites. They are both XXXX branded. 

Only when I click on the full terms do I see any specific brands listed. It excludes every XXXX brand I can think of, XXXX XXXX too! 

Excludes XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX by XXXX, XXXX - XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX, XXXX by XXXX, XXXX XXXX XXXX, XXXX by XXXX, XXXX XXXX by XXXX, XXXX XXXX by XXXX and XXXX XXXX XXXX. 

List of XXXX brands from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I wanted an internet service and I went to XXXX XXXX located at XXXX XXXX and XXXX in XXXX Texas. They gave me a modem and I installed it but it was not working. I kept calling them so they can guide me with the installation. It worked for a day then I was no longer getting Internet connection. I went to a XXXX store close to me in XXXX to return the modem, they refused to take it back. My personal car broke down and I was driving a company vehicle which I could not use for my personal errands but every XXXX store that was on my way I stopped to return the modem but they were refusing to take it back. 
Finally, I had a job around XXXX and XXXX XXXX I left the modem with a XXXX clerk by the name of XXXX. But he told me even though I brought the Modem back, I still was going to pay for it.I got the Modem onXX/XX/XXXX and I returned it sometimes early XXXX for the reason I stated above. 
Next thing I know, I received a bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX Dollars. I called them to ask where this amount came from, did not get a satisfactory answer. 
Next, another bill from XX/XX/XXXX - XX/XX/XXXX in the amount of XXXX dollars. 
Next another bill from XX/XX/XXXXXXXXXX/XX/XXXX in the amount of XXXX dollars Next another bill from XX/XX/XXXX - XX/XX/XXXXXXXX in the amount of XXXX Now they put me on collection and said I owe them XXXX. 
I do not have the money to hire a lawyer that is why I am turning to you for help

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 2017-09-04 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: PA

Complaint narrative:
On X/2017 kohls/Capone reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX I filed a complaint against this company. The complaint number assigned was XXXX. On XXXX/XXXX/XXXX The company responded to the complaint the following : Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We have requested validation from our client and will send it to the address in this correspondence once received. 

Today is XXXX XXXX, XXXX and I still have not received a response from this company regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I had open an account with XXXX XXXX back in XXXX. I terminated the service In XXXX, due to every month extra fees was added. I would call the company then they would credit the account. Every month they were scamming me for extra money. This account was taking off my credit back in XXXX. I checked my credit score and seen where XXXX has given my information to a third party called XXXX XXXX. Now they have opened an account on XX/XX/XXXX when the statue limits have ran out.

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 2017-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report two public record tax liens on my credit report : XXXX Superior case # XXXX and # XXXX. The address that Equifax has on file is NOT mine because it is not an accurate GEORGIA ADDRESS. How are they able to verify that these public records belong to me if the following address : XXXX XXXX  XXXX XXXX, XXXX, GA is NOT an accurate address? The title of the road that Equifax reports is NOT a WORD. I demand that these tax liens are deleted and removed from my credit report immediately. 
EQUIFAX FAILS TO " ACCURATELY VERIFY '' that these tax liens belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I received a letter from Navient stating that I needed to pay about {$1500.00} for the next several months in order to pay off my loan. I did not have that amount to pay. My previous payments for many years had been {$350.00}. I requested to continue paying my normal payment, especially since I was in good standing with the loan. They refused and said that I needed to pay the ridiculous amount of {$1500.00} per month. I spoke with something like 6 people and finally just requested a manager who basically told me the same thing. I asked if I could be put on some kind of payment plan because there was just no possible way I could pay the amount they were asking for.

After several hours, he told me he could put me on a payment plan of {$50.00} a month and it 'd take 30 years to pay back. I 'd end up paying about 3 times as much. Of course, I told him no. I shared again that what I wanted was to be recognized for the fact that I had been making ON TIME payments for 10+ years. I do not believe I 've ever been late and I definitely never missed a payment. He told me that did not matter. He then went back up to the {$1500.00} amount. This went on for a long time until I was essentially forced to settle into paying {$220.00} a month and consolidating my loans. In the process, my loan was extended for another 20 years. 

So now instead of almost paying off my loan, I now have another {$29000.00} to pay. Since that time, I have paid it down about {$2000.00}. As of this moment, I have a student loan debt of {$27000.00}. 

When it is all over in the year XX/XX/XXXX, I will pay over {$50000.00} in new debt. And in that year, I will have been paying student loans for 31 years straight. I am an XXXX ; I have never missed a payment that I can recall. I have paid diligently and even paid big chunks of money when I have it. I am hard working and find it insulting that I now have double the debt simply because I was not able to make {$1500.00} payments for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA XXXX lowered my credit limit from XXXX to XXXX for inactivity! This has negatively impacted my credit rating and my ability to get a mortgage all because I keep this card for emergency 's and do n't charge stuff all the time. My wife also has a credit card with them but they have n't bothered her limit. This is inconsistent at best and discriminatory at most. Is it because of my race or gender that I 'm being treated different then her. My credit rating was excellent before they arbitrarily lowered my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC.
State: CA

Complaint narrative:
XXXX XXXX/XXXX stated in the Federal Student Aid that I defaulted on my rehab loan. They said that I failed to make 6 consecutive payments. I I have 2 documents from XXXX XXXX that states that I made 6 consecutive payments. The other document states that I made 7 consecutive payments. The truth is I made 10 payments and 9 of those were consecutive. Then they said I defaulted on my rehab loan so they could garnish my wages, which they did. I never signed any paperwork in regards to any agreement on rehab payments. I made 10 payments of {$150.00} on 9 consecutive months. The first month was XX/XX/XXXX- XX/XX/XXXX. Again I have all paperwork that backs my statement. On ECMCs website I was able to look up both of loans. Since ECMC became my lender. I noticed that on XX/XX/XXXX they stated that there was an rehabilitation repurchase payment from a lender for both loans, yet they never showed that they subtracted both payments to my account. I tried to have the Ombudsman look into this. ECCM said after 5 years they dont have records. I informed the Ombudsman that the paperwork I provided them with was from ECMC website. ECMC, XXXX XXXX and XXXX are the ones who are not telling the truth. ECMC took my refund from the I.R.S on XX/XX/XXXX. The total was {$3900.00}. On XXXX website and on ECMC website, they state that there were payment reversals. There where 6 payment refunds in which they sent me checks. They also state that one of those checks they sent out was the {$3900.00} for my taxes. I never saw that check, nor  did I cash it. The other ones I have check stubs and I cashed them. Of the paperwork that I received from XXXX, ECMC, or XXXX, no where does it ever show what payments went too, or a balance. There are more little mistakes that all three seem to keep making. If and when you decide I have a good case to sue, we can go over those too. 
Ecmc-ca stated in XX/XX/XXXX, that I defaulted by not making six consecutive payments. I found the paperwork that shows I made 9 consecutive payments. ECMC said I defaulted so they could wage garnish. When ECMC started me on a rehabilitation loan they never set me up with any paperwork. From their website I was able to see that there was a Rehabilitation Repurchase Payment. I asked ECMC to show a running total of what I paid. They never reply to any of emails, phone calls. I have all the paperwork that shows payments made to them that total over {$15000.00}. When other lenders would buy the loans, it never showed me paying anything. XXXX/ECMC are the ones who I paid from {$15000.00} - {$18000.00}, yet I never see this anywhere. What can I do? 
Thanks 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 2017-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I received notice through credit monitoring that Phoenix financial services reported a debt collection for a medical bill without notifying me of the debt, I have also been recieving numerous phone calls daily from an automated machine, I have recieved threating voicemails saying I am veing sued for this debt, harrasment saying they are coming to my home in 30 minutes to serve me. I have to avoid answering any number I do not recognize now, and now theyre ruining my credit too..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 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: PA

Complaint narrative:
On XX/XX/XXXX XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX XXXX and Transunion

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 2017-09-04 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: PA

Complaint narrative:
On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-04 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: PA

Complaint narrative:
On X/2017 XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies XXXX experian and 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 2017-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hello- In XXXX XXXX I purchased a XXXX exercise machine using a a credit card from Synchrony Bank which advertised no interest or late fees if payments were made on time for the minimum amount due within the promotional period. Below is a table of my due dates, amount paid, and date the payment posted per my checking account statements. 





Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$300.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$360.00} Post Date X/XX/17 -- Due Date : X/XX/17 {$600.00} Post Date XXXX -- For example I paid the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}, and the XXXX XXXX due date on X/XX/17 in the amount of {$300.00}. As you can see I paid well above the minimum required and early, every month. 

I received my XXXX XXXX statement and saw I had been incorrectly charged a late fee of {$25.00}. I called Synchrony customer service on XXXX XXXX to try and rectify the situation. The customer service agent admitted they had not posted my payment of {$360.00} made on X/XX/17, which made my account flagged as late in their system. I pointed out all payments were made early, on time and well above the minimum amount required each month. They would not remove the late charge, but I insisted and they told me it had been removed. They have now incorrectly posted this to my credit score. I am now also responsible for interest payments because they have incorrectly flagged my account as late during the promotional period. 

I have paid early, on-time, and well over the minimum amount due. According to Synchrony 's credit card agreement, I would not be charged late fees, would not have a late payment recorded on my credit score, and would not be liable for interest within the promotional period. I have upheld the credit agreement I entered into, and now my credit score has been adversely affected by Synchrony 's error. They will not remove this record from my credit score.

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 2017-09-04 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: Home Point Financial Corporation
State: PA

Complaint narrative:
On X/XX/2017 Home Point Financial placed a hard inquiry on all three credit bureau agencie reports XXXX  XXXX and XXXX without my consent in violation of statutes under the fair credit reporting act.

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 2017-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a HELOC with 5/3 Bank in XXXX. In XXXX, I ran into some personal issues and could not pay the HELOC as the interest rate adjusted. My payment amount doubled. The HELOC was eventually charged off. I had tried to obtain a modification with 5/3 several years ago. It was going smoothly until payment was demanded to do the modification. I was given 1 day to come up with a {$700.00} payment before the mortgage would be charged off. I simply could not come up with the money. Then in XXXX 5/3 brought a lawsuit against me for the charged off HELOC. I again could not pay and consulted an attorney for a chapter XXXX bankruptcy to pay the arrearage. The BK XXXX was approved in XX/XX/XXXXwith a payment to 5/3 of {$400.00} for the arrearage and {$400.00} to keep the HELOC current. In XX/XX/XXXX I sold my property in order to pay off the HELOC. On the pay off I was hit with {$11000.00} and accrued interest of {$49.00}, XXXX. 5/3 also supplied a payment history which I believe does not take into account any of the monies paid to through the bankruptcy. I have made several attempts in XXXX to recover the monies owed to me and to receive a breakdown on how my payments were applied. My bankruptcy attorney was not familiar with this happening as he stated this was the first time he saw deferred interest on a payoff after the arrearage was agreed upon by 5/3 at the time of the bankruptcy filing. 5/3 also used a debt recovery service who has not answered any inquiries I had in regard to my account. All that was furnished was a payoff breakdown to my bankruptcy attorney. 5/3 's debt collection agency did not furnish the payoff until 3 days before closing. I did not want to postpone the closing and jeopardize the sale of the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I send a dispute letter to Experian on XX/XX/XXXX and Experian ingored it while the XXXX response to my letter which was send 2 days after i notified Experian. 
When i tried to dispute online experiance refuse to dispute the information while XXXX did send them through investigation and deleted two of them. 
I learned that experian is notorious for not properly and throughly investigating consumer disputes and i want the CFPB to take notes about experian bad practices. 
The following are the account that experian is not disputing : XXXX XXXX XXXX .... Deleted by XXXX and Experian refused to thoroughly investigated it. 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX .... 
XXXX XXXX XXXX  XXXX .... Deleted by XXXX and experian refused to investigated it.

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 2017-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
After contacting Wells Fargo to obtain some information about the loan ( insurance payments, escrow payments, tax payments ). 
The fallowing month my escrow account was emptied of XXXX ; and my payment went up XXXX a month with No increase in taxes, and a XXXX ( XXXX ) a year increase in insurance. 
I have contacted Wells Fargo numerous times and was given different explanations three times by XXXX XXXX. 
I finally received a letter that did nothing but show the increase with no explanation for the cause of such a substantial increase in my monthly mortgage. 
I have yet to receive any letter showing why Wells Fargo emptied the escrow account

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