vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-22 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 — Other problem getting your report or credit score
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I thought I made my XX/XX/XXXX mortgage payment, but we received a notice that we had not. I called Quicken Loans immediately to resolve. I made the XXXX payment immediately and paid the XXXX payment as arranged. 

We have never missed a mortgage payment in all the years we have had loans with Quicken and the reason we missed this time is my husband was very sick. In XX/XX/XXXX my husband was diagnosed with XXXX XXXX, and went through intensive XXXX for several weeks. Then in XX/XX/XXXX he had XXXX, which took 8 hours and 2 XXXX XXXX to remove part of his XXXX, and all of his XXXX. The XXXX was rebuilt out of his XXXX  XXXX. He also had a XXXX. He was in XXXX for 4 days then in a monitored patient room for another several days. Once he was discharged, he was on intravenous nutrition and XXXX XXXX ( XXXX XXXX XXXX ) in his XXXX, which I was doing. When my husband 's XXXX was reconstructed, one of his XXXX XXXX XXXX XXXX, so we had a XXXX XXXX came to our home twice a week to help him talk above a whisper. He underwent XXXX about 2 weeks ago to fix the XXXX XXXX XXXX and he is speaking fairly well. 

I sent an email addressed to XXXX XXXX, EVP, Client EVP, Client Experience Operations on XX/XX/XXXX. I received a phone called from her assistant, " XXXX, '' who checked into the situation, but she said there is nothing they could do because if the payment is one day late, a letter goes to the credit agencies. 

On XXXX I sent an email to XXXX XXXX, CEO, with the same complaint. A director in consumer relations ( I'm sorry but can't find his name ), called me and he explained that " according to the Fair Credit Reporting Act, '' Quicken is required to send a notice to all credit bureaus, no exceptions. 

Disregarding our extenuating circumstances, Quicken Loans sent a " late payment '' notice to the credit bureaus. Our once good credit is now at rock bottom. I am XXXX, my husband will retire in a few years. We have tried our entire lives to be responsible consumers. The one time when we have critical personal circumstances, we are thrown to the wolves and all responsibly placed on FCRA by Quicken. I can't believe years-long customers can not be afforded a " forgivable '' chance. 

I have attached documentation related to this complaint. If it is necessary, I will provide confirmation from my husband 's XXXX XXXX, primary care physician, medical facility, XXXX XXXX, XXXX XXXX, or whoever else you need confirmation from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Recovery Services, LLC
State: FL

Complaint narrative:
In 2013, at the age of XXXX I decided to open a account to receive XXXX for my XXXX  initially I didnt need it but I felt like I wanted a more structured XXXX. when I went to the XXXX  in XXXX XXXX The XXXX  himself said the XXXX were not needed, since I wanted a straight, more structured XXXX   obviously my treatment would be small and minute I still agreed to go through with my XXXX, upon signing up I was asked to pay from $ XXXX that would start the process is well as put the XXXX  in my XXXX, every single appointment had to be paid In advanced Or prepaid should I say due to the fact that I was a college student and thats the way they did business, I had no problem with it with that being said I was seen about 4 to 5 times and every time I went to the XXXX  I paid in advance they were aware that I was back-and-forth to college as well as them not having it alternative orthodontist for me to go to my College area I would have to call & reschedule my appointment in order for me to get to the city of XXXX to be seen by them, within Time in multiple rescheduling they attempted to collect money for me, but if I hadnt been seen or any procedure had been done in my mouth why would I pay them? There was no obligation so with that being said they decided to put me into collections without any notice or any warning, we can put them in collection they decided to place a debt in my name over {$2200.00}, Which is not owed to them in anyway shape or form no procedure have been done in my XXXX  and everything that I have gotten from them had been pre-paid in advance. They never called, gave me a warning and or spoke to me about being placed a collection they have never tried/attempted to remove this off of my credit I have attempted to numerous occasions about reaching out to them trying to speak to the doctor herself etc. and they refuse to communicate with me they continuously forward me to a Debt collectors I am reaching out to you at the consumer financial protection bureau for help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 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: AES/PHEAA
State: PA

Complaint narrative:
We currently have an IBR plan that determines our payments based on our income and family size. We are required to re-certify our payment plan each year, and have the option to resubmit our application for repayment if there are any changes in our income or family size. We decided to resubmit early, due to an increase in family size ( with no change to our income ). However, instead of our payment decreasing, it increased. ( from XXXX to XXXX ) I called in ( XX/XX/19 to employee XXXX ) to discuss this error, and was told that our account would be reviewed within 7-10 business days. We never heard back, but recieved another bill in the incorrect amount. I called again ( spoke to employee XXXX ) and was told the same runaround. No response, no change. Called again ( XX/XX/19 ) and was told it would be resubmitted and in the meantime they would send an adjusted bill in the original XXXX amount. Yet they never ACTUALLY changed the bill, and processed a direct debit in the XXXX amount. Called again on XX/XX/19, and they refused to address the problem and instead ran me around for over an hour on the phone before essentially saying " too bad '' it's correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 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: GA

Complaint narrative:
My identity had been stolen, I person had been using my identity and opening accounts in my name, there is a particular one from XXXX XXXX, XXXX showing as a collection, I have not knowledge of this account there for it should be removed. 
A police report with XXXX police department report # XXXX had been filed and an FTC   complaint as well.

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 2019-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I pulled my credit reports and it shows under names that I use XXXX XXXX.I never use that name and never will use that name.Therefore, this info is incorrect and needs to be deleted.

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 2019-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I checked my credit report and noticed the capital one card reporting, however I was XXXX during the time of the opening of the account in which this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NPS GROUP
State: FL

Complaint narrative:
I received numerous voicemails and am typing verbatim the message left. 

" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX. 
The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and noticed the XXXX XXXX card reporting, however I was incarcerated during the time of the opening of the account in which this is fraud.

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 2019-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, Bank of America N.A. Closed 2 of my Long term Credit accounts which I have had with the Bank for over 5 years. I received a letter in the mail a few days following detailing the reason why this action was taken. In the letter I received, Bank of America claimed that due to my action of adding " Authorized Users '' onto the account I was subsequently shut down because of this action in line with other " Economic Trends '' I have been a customer with Bank Of America for over 5 years now, since high school as a matter of fact. It was my first credit card with the bank which also was the longest running credit line in my credit profile. I called the Institution to question their motive when this decision was made. I was not given a specific reason despite my long tenure with Bank of America. Aside from the frustration, One of the cards is supposedly still open with the bank however, I can not use the line of credit, Will have to pay interest and fees yet the product itself is unavailable for me to use! 

In they're terms Of Service agreement, Bank of America States you may have up to 10 Authorized Users on a given account. I did not have no where near that number yet the bank decided I was too much of a risk despite my long history with the institution. 

It is woefully ignorant in this modern age for a Bank of this stature to not even so much as Call or text the customer given this decision. I am at a complete loss as to why this bank would do this when I have never had a single late payment and never have had any other issue in the past.

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 2019-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
We opened an account in XXXX. It was around XX/XX/XXXX. It should have included a credit protection option for unforeseen financial economic hardship, which should have been provided to us. I contacted XXXX Bank in XX/XX/XXXX with a letter explaining that our daughter had experienced a extenuating life-threatening medical hardship, which resulted in her being in the hospital and ICU for 34 days. I communicated this in XXXX of XXXX, along with numerous calls to XXXX Bank regarding each account that we had associate with XXXX Bank. In turn, I also raised a customer complaint online as they instructed me to do, however to no avail. No one attempted to help us with this extenuating financial circumstances as result of job lost and my daughter 's life-threatening medical condition. In turn, I continued to receive calls regarding the account. At this point. I have received over 100 multiple calls from different pepertrated numbers from this credit collection agency and others regarding this account, which has caused undue mental stress and anguish along with the other circumstances that occur with my daughter and me experiencing a long term job lost. I am currently seeking work as well. My husband is also a XXXX Vet and we are both XXXX military veterans. We have served our country well. This undue harassment and bias treatment regarding their collection practices is wrong. We attempted to implement the credit protection plan, which would have allowed one up to 24 months plus of deferment/ suppressing monthly payments given the circumstances. Also, overinflated interests and penalties are incorrect as well which they have in the balance from both XXXX Bank and Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Filed a dispute with Experian because company has reported the same account twice on my credit report and denies that they have done so. The company has changed the amount due by {$1.00} so that it looks like they different debts but they are not. Company has also reported on my credit report a & XXXX debt that has been paid in full since XX/XX/XXXX. Company stated that " Information is accurate '' and will not remove the second instance for the same account from my credit report.  Company also will not tell me why this medical debt was never sent to my insurance company or give me a statement of account to show that this debt is even valid. I would like this resolved immediately.

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 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: DC

Complaint narrative:
XX/XX/XXXX, {$25.00} service fee XX/XX/XXXX, {$25.00} service fee The customer service representative also mentioned to me that there are service fee charges for XX/XX/XXXX. When I opened this account, no one from PNC told me that I had to maintain a statement balance over {$5000.00}, and otherwise, I would be charged for a service fee. When I called PNC today to dispute the service fee charges, it was the first time that they informed me about the benefits associated with this account and the balance requirement. I have never used any of those benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Credit Bureau System has reported 2 collections against my SSN for the amount of {$140.00} and {$60.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the alleged debt from this company on XX/XX/2019 and after 30 days with no response I decided to call their office to follow up on XX/XX/2019. After making contact with the representative, she proceeded to tell me that the accounts being reported against my SSN had a different name and that there was an additional collection of {$360.00} set to report against my SSN. Not once have I received correspondence from this company in regards to this alleged debt and I believe that my FDCPA/HIPPA rights have been violated. I immediately did not feel comfortable with continuing the conversation based on the information I received from the representative. As a debt collector, it is their responsibility to ensure that ALL INFORMATION IS REPORTED ACCURATELY IN RELATION TO THE PARTY IN QUESTION. Credit Bureau Systems has not been able to validate this debt, they have the incorrect name filed for said accounts, and they are reporting amounts that are not consistent with what's showing on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WY

Complaint narrative:
I cancelled internet service with XXXX as they did not have customer service for deaf customers and their internet service failed to my home. Their response was always " call us '' but they did not have TTY and I am deaf. I was billed for several months where clearly I did not have service and thus XXXX failed to meet the minimum contract service requirements. XXXX eventually agreed not to charge me for their failed service, however I have now received an offer from Convergent to reduce the {$190.00} that I do not owe to {$130.00}. 

This is a fraudulent attempt to collect a debt that was discharged by XXXX and which resulted in a number of complaints against XXXX by Colorado customers with similar complaint histories as mine. I NEVER owed CenturyLink as they were notified that I cancelled internet service and continued to bill me after I cancelled service in violation of Colorado law and contract law. Convergent is committing XXXX   by attempting to coerce payment for a " zombie '' debt that XXXX has clearly XXXX from their accounting books.

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 2019-04-22 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to submit some disputes on my XXXX  and equifax credit report online. I put in all the information that I was disputing and when I get to submit it the system will not allow me to do so. My balances on my charge cards are incorrect. I owe much less than what is reporting. I was disputing the balances because having these high balances show is affecting my credit score. I have paid off in full 2 credit cards and have paid other cards down by a significant amount. Why XXXX and equifax will not let me submit this information i have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2018, I opened a Chase XXXX account in response to an emailed promotion sent to me ( see attachment ). The promotion states I would receive a {$220.00} bonus to my account after depositing {$15000.00} and maintaining that balance for 90 days, amongst other terms. 

Last week, XX/XX/XXXX, I noticed I had not received the bonus, and sent a message to Chase support asking for the status. Support said my account showed no record of this bonus, and they were unable to help me. I requested to escalate to a supervisor, but the response was the same. 

I am very disappointed that my account was not credited with the bonus after opening the account through the marketing email and following the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CT

Complaint narrative:
I bought home in XXXX XXXX 4 months the mortgage company send letter that my mortgage will increase from XXXX, .They increase payment on escrow account about {$52.00} and {$34.00} for shortage in escrow deposit account.Total {$86.00} more in monthly payment.During closing my attorney told me that mortgage can increase only when ptoperty tax went up.I have sent about 5-7 letters to mortgage company to resolve issue.I get back only one letter which nothing explain, If they wiil increase motgage every 6  month because of escrow account, my mortgage payment shortly rich point where i will not able to pay mortgage.Can you help. 
I have question .Can I make payment myself to the insurance company and property tax directly to the city with skiping an escrow account.. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is refusing to issue me a check. I went into a branch to ask for a temporary check and they refused to issue me one offering instead to make me pay for an order of checks that would take two weeks to arrive.

This is the most ridiculous situation. There are sometimes when a check is necessary. BofA issues three temporary checks when an account is opened. Apparently they don't issue any more than that.

BofA ripped off the american public to the tune of billions of dollars yet I can't get a check. 

Their customer service also totally XXXX. When did this new rule come into being.

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