vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
XX/XX/XXXX - Received letter stating that for my 4 student loans 2 will be forgiven in XX/XX/XXXX and 2 will be forgiven in XX/XX/XXXX. XX/XX/XXXX - sent letter asking for a list of the payments are going to the loan foregiveness program because I signed up all 4 loans for the program at the same time and I expected an earlier date. XX/XX/XXXX - I called and was told that these numbers are correct but they ca n't give me any detail. XX/XX/XXXX - sent a 2nd request letter asking for this information XX/XX/XXXX - sent an e-mail XX/XX/XXXX ( today )- sent 2nd e-mail - although I now decided to contact you also because it 's been over six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tribal Lending Enterprise, Inc.
State: VA

Complaint narrative:
Received repeated phone calls after cease and desist faxed to XXXX and emailed to XXXXXXXXXXXX which is Majestic Lake Financial.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
A couple years ago I applied for a credit card and got denied. After investigating, the company approved the card because the only thing that was preventing it was the verification of my identity that the company Lexis Nexis is provided could not verify it. I called and received a full public record file, which has hundreds of mistakes and requested to fix them. Today I applied to a lease company and the same denial happened and once again Lexis Nexis caused that because my identity is not unverifiable. I was told to get a full public record file again. It is unacceptable that companies that are supposed to verify identities have mistaken and that it will cost me money and time to fix it. Private for profit companies should not be able to profit from people 's information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
RPM, Receivables Performance Management LLC, for XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017. Also, RPM is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site for {$120.00} and never made aware of such debt in writing. This is a violation of the FRCA.

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 2017-08-02 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
This issue is regarding Chase Credit Cards online auto-payment management system. Unlike other credit card auto-payment management systems, which allow you to set-up a custom auto-pay amount, Chase limits you to choose between the minimum payment amount or the entire balance.
You can make an additional payment on top of your auto-payment, but this defeats the whole benefit of auto-pay to begin with. The benefit of auto-pay is to set-up an auto payment plan to payoff your card in a set amount of time, without having to log-in every time you want to make a payment, limiting chances of missing or late payments.
I believe Chase intentionally limits your auto-payment selection amount to force you to choose the minimum amount and then counting on you to forget to make additional payments, thus paying more interest on the card for a longer period of time in an effort to make up for lost revenue from late payment charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Select Resource Group
State: WA

Complaint narrative:
I received a call on XXXX/XXXX/XXXX from SRG legal outsourcing representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by XXXX via SRG. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company SRG. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-02 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: FL

Complaint narrative:
XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.

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 2017-08-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2017-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB and SSN in order for it to appear in your credit file. The Credit Bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase responded with ridiculous reasoning -- Chase only deals with my former attorney XXXX XXXX, a rogue lawyer and my complaint as urged by California Bar Association is being filed. Chase is doing everything to steer me away while the bank illegally keeps the fund of around XXXX plus years of interest. Will call CFPB to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I received a call on XX/XX/XXXX from XXXX XXXX XXXX representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by HSBC via XXXX. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company XXXX. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: NC

Complaint narrative:
This is a company which I was reported to the Bureau two months ago and once again who uses all the power to mess up my personal record. on XX/XX/XXXX this year I filed a complaint against Discover credit card and Discover company did not respond to my complaint and discover credit card ignores me, Discover file another wrong report to the credit bureau because of all these I believe for the last two years I have cheated by discover credit card and probably the purchase and the billing were wrong so therefore, I ' m asking for the bureau to have a broad investigation to Discover credit card for abuse of trust. One more time if any of the info was wrong I would like to ask the bureau to step in and solve this issue. I think Discover credit card abuses the power and consequently discover board destroyed my character and put me into a situation where I can even get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
As of today XXXX XXXX, 2017 I sold my shares of XXXX at the coinbase website with the currency amounting XXXX After selling the currency, the USD wallet disappeared with no way to be able to send the funds back to my personal bank account - also no email confirmation of transaction Money and wallet disappeared. Have tried to reach out to to their customer service several times with no reply dating back to 3 weeks for other issues as well.
I believe this company is fraudulent and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kross, Lieberman & Stone, Inc.
State: VA

Complaint narrative:
Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/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 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
I am seeking your assistance with getting a response from Diversified Consultants regarding an account they are reporting on my credit file that is not mine. I have wrote Diversified Consultants on X/XX/17 requesting validation of an account that Diversified has  confirmed with XXXX on X/XX/17. As of this date, Diversified has not responded to my request to validate this account. I am certain this is reporting on my credit report in error because I did n't have an account with the company this agency represents which is why I requested XXXX complete a full investigation and further for Diversified to send me information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is a significant amount of information missing on my Experian credit history. This is leaving me unable to qualify for a home loan guaranteed through the Veteran 's Administration. A large part of a consumer 's credit score is revolving credit history, such as bank credit cards. I have a XXXX XXXX credit card. The XXXX XXXX card has been paid and reported TWICE now to Experian, in XXXX 2017 and XXXX 2017, and yet it still is n't appearing on my credit report. I have contacted XXXX XXXX and they have confirmed they reported the account information to Experian. They have my correct name, address, date of birth, and Social Security number. They have confirmed to me that they reported the correct name, address, date of birth, and Social Security number and account history to Experian. Yet, when lenders pull my report, the XXXX XXXX tradeline does not show on my history. As a result, my FICO credit score is lower than it otherwise would be, had Experian provided a complete and accurate report.

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 2017-08-02 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: NY

Complaint narrative:
On X/XX/17 I charged my XXXX vacation to my XXXX XXXX card. This vacation reservation was made through guest services as I received 2 complimentary days and a discounted price for the remainder of the days. The only reason I had them put the charge on my XXXX XXXX was to receive the 0 % interest for 6 months. On the day I made the initial charge, XX/XX/XXXX I called and spoke to a manager at XXXX XXXX to confirm that this charge would receive the 0 % interest for 6 months. The manager I spoke to confirmed that 0 % interest for 6 months would apply based on the code he checked on the charge that came through that day. I made it very clear to him that I was confirming this to be sure it would in fact qualify or I would have called XXXX to have them reverse the charge and I would have put it on my XXXX credit card that has better benefits. I was ASSURED by the manager that I would be receiving 0 % for 6 months on the charge of {$7300.00}. I also requested he put our conversation in the account notes so there would be no question later, when the statement came. I could not believe that that when I received my statement they would not honor the 0 % for 6 months. I spoke to 2 different managers on X/XX/17 to no avail. They told me to try writing a secure message. I did this and the responses never addressed the manager confirming that I would receive this benefit. They only would say that the charge code from " XXXX XXXX XXXX '' does not apply for the offer. When I spoke to XXXX XXXX Card managers in XX/XX/XXXX they all confirmed that there was a note from the manager I spoke to in XX/XX/XXXX stating this vacation would qualify for the 0 % for 6 months, but they would only say that he made a mistake. I was forced to find a way to pay for the vacation in full or pay interest on {$7300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.

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 2017-08-02 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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report 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 explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE CLEARING CORPORATION
State: OK

Complaint narrative:
Mortgage Clearing Corporation ( MCC ) of XXXX, OK is dual-tracking my VA mortgage loss mitigation package ( LMP ) and foreclosure proceedings. More precisely, MCC is moving forward with foreclosure and not working on my LMP while telling me the opposite. MCC has had the LMP since XXXX XXXX, 2017 ( 2 months ago today ) and havent provided any feedback or requested any further information. On XXXX XXXX, 2017 ( 27 days after filing the LMP ) MCC sued me in XXXX County Oklahoma. MCC did not notify me of their intent. I found out about the lawsuit via snail mail I began to get from local attorneys wanting to represent my case. I called one of the attorneys to inquire as to how they knew of this situation and they referred me to the Oklahoma State Court Network ( XXXX ).  Prior to having received the letters from local attorneys, I was told that MCC was simply behind in their work and that all foreclosure proceedings had stopped until the LMP was processed. The documents filed in court by MCC state ; The Plaintiff has elected as provided in the mortgage, to foreclose In addition, MCC has not followed the other foreclosure protections outlined on the Consumer Finance website to include but not limited to ; Direct and Ongoing Access to Servicing Personnel, Fair Review Process and No Foreclosure Sale Until All Other Alternatives Considered. As it stands, I have until XXXX XXXX, 2017 to provide a written response or the judgement will be rendered against you ( me ) with costs of the action.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation