vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 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: CA

Complaint narrative:
There are inquiries on my consumer report from creditors who have not offered me credit. I DO NOT have a credit card from these creditors. By law, if a creditor checks your consumer report and DO NOT offer you credit, those inquiries are not supposed to be on your consumer report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ;

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 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: PA

Complaint narrative:
Contacted the company numerous times. Last contact was XX/XX/19 @ XXXX XXXX. I was told they were " working " on it. This debt is not owed by me and i have no knowledge of it. I asked for an explanation of the debt and i was told it was " for an ambulance ". Well that doesn't exactly help. I asked for the original creditors information and i was not given anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Company " Commonwealth Financial Systems '' claims I opened an account on XX/XX/XXXX and claiming a balance of {$650.00} is owed to original Creditor XXXX XXXX XXXX XXXX and was reported to them XX/XX/XXXX as a collections account. This is false information and I do not own any account with either company. I would like for this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
XXXX XXXX, lost his wife in XX/XX/2012, he was not able to work for a period. 
He himself became ill. He has tried to work with Ocwen Loan Servicing and after ] not being able to get any kind of help from Ocwen he hired an attorney who caused him nothing but trouble. 

Since that time he has tried to reapply for a loan modification and so far he has been declined because he did not know what to do. 

XXXX is a XXXX XXXX  and XXXX  XXXX XXXX he has a great paying job and he wants to save his home he has income that he can prove. 

They said that he could do an appeal or resubmit a new application. we are writing to the CFPB to make sure that they do give him a fair chance at applying and getting a true evaluation because his circumstances have truly changed for the better. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Account shut down due to " XXXX '' the CSR 's could not elaborate. I'm looking for answers. Where's my XXXX dollar account opening bonus, what was the XXXX reasoning ( too many new accounts, negative comment ) and lastly what will you be placing on my XXXX XXXX for closing reason. I am following up with the CFPB. The manager XXXX in the XXXX branch was the one that terminated my account, but she couldn't elaborate. She gave me the runaround and told me to contact the XXXX number in which they told me to contact the branch manager ( XXXX ). My account had been open for 4 months and I completed the bonus requirements before the date of XX/XX/XXXX when they needed to be completed by. Was locked out of my account last week, and have a letter saying it'll be " fully shutdown '' buy theXX/XX/XXXX. 

I called in today the XX/XX/XXXX This can be linked to the other CFPB dispute I sent the other day. I received new information ( letter and correspondence with a manager )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 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: American First Finance, Inc.
State: WI

Complaint narrative:
American First Finance has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX I contact customer service and the refused to take care of the negative inquiries reporting on my credit report. Please help me get this matter resolved. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
This XXXX XXXX company just started reporting on my credit report an amount of {$1200.00} on one and the other of {$490.00} I don't know what these are for, they state is for XXXX College a college that closed its doors and is currently in a court case due to XXXX  student loans and they are claiming balances that has nothing to do with the student loans that I have thru the school. It is hurting my credit and I never received letters or anything from them explaining what those balances where for

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have received notification that my mortgage payments were not received for XX/XX/XXXX, and XX/XX/XXXX. 
My XX/XX/XXXX and XX/XX/XXXX mortgage payments were made both in the amount of XXXX withdrawn from my account on XX/XX/XXXX, and XX/XX/XXXX My payments are made from XXXX XXXX XXXX, XXXX, Illinois. I have receipts showing evidence of payment of mortgage for XX/XX/XXXX, and XX/XX/XXXX. Your help with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: WI

Complaint narrative:
XXXX XXXX XXXX has failed to update my payment history reflecting as paid as agreed. After company pirated unauthorized payments from my bank account to force a completion of a deferred payment plan, they failed to report my account as paid as agreed as promised. Currently this account is reporting as late to the credit bureaus causing me to be unable to secure necessary funding for my business.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I called in many different times over the past several years letting the associates at Navient know that I was having trouble with making my payments. Each time, I was put in a forbearance or differed program. Each program I was put in racked up interest each month without any payment credits. I was never given the option of applying for an income based repayment plan and possibly having a zero payment but at least get credit for payments those months. I would have been several years in now of the IBR plan by  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have reached out to Convergent asking for a statement to be mailed. I aswell has answered one of the many calls from the collector and had asked her to send a paper statement and the collector hung up on me and then repeated to call several times.

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 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I'm not sure what's going on here, but I personally spoke with the collections company and they clearly mentioned that once it was paid that they will remove it from my credit. It was removed from XXXX  and XXXX, however, XXXX  still reports incorrect balance and payment status. Again, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: CA

Complaint narrative:
The Receivable Management Services LLC ( RMS ) is attempting to collect the amount of {$200.00} from me on behalf of XXXX, XXXX XXXX   XXXX, for washing machine repair services rendered by XXXX. I do not dispute that XXXX rendered these services. However, they failed to correctly diagnose and repair the problem. 

In XX/XX/XXXX, I realized that my XXXX-brand washing machine was no longer draining properly, leaving my clothes soaking wet at the end of every wash cycle. A XXXX repairman came to my house on XXXX, took a look at the machine, ran some repairs, and stated that the problem was fixed. However, it soon became apparent that the machine was not working significantly better than it had been before the repairs. After doing some research and running some diagnostics, I concluded that the machine had a problem that the repairman had failed to notice, let alone resolve. Repairing this problem would have required some expensive spare parts, and since it was a very old machine, I decided to get rid of it and purchase a new one. 

Over the course of the following months, XXXX sent me a number of bills for the amount of {$200.00}. After each bill, I contacted XXXX, and explained that they had failed to resolve my problem, and therefore I should not be obliged to pay. I contacted them by phone ( XXXX ) on XXXX after the first bill, by email ( XXXX ) on XXXX after the second bill, and by physical mail several months later ( I do not recall the exact date ) after the third bill. After this, they send me a letter acknowledging my appeal, and requested that I send a statement to XXXX, which I did on XXXX. In each one of these communications, I gave a detailed explanation of why I was not satisfied with their services, and why I should not be obliged to pay. After sending this final email, I did not hear anything more about the matter until XX/XX/XXXX, when I received a letter from RMS, stating that XXXX had placed them in charge of collecting this debt. I immediately sent RMS both an email and a physical letter explaining why I considered the debt invalid. Earlier today ( XX/XX/XXXX ), I received a second letter from RMS, stating that they did not consider my appeal valid, and that I was still expected to pay {$200.00}. 

I am attaching the emails that I have sent to XXXX and to RMS, in order to demonstrate that I have made every effort to resolve this issue. Neither XXXX nor RMS has responded to these messages in any meaningful way -- they have simply repeated their requests that I pay for the service, without acknowledging the reason why I do not feel obliged to do so.

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 2019-02-05 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: GA

Complaint narrative:
On XXXX XXXX 2019 I looked at my annual report and noticed a collection is still is on my report after disputing it back 3 or 4 years ago the company never validated the account or sent me any proof of the debt, upon trying to dispute it the attachment above is what I received not only I could not submit online, if I tried calling you are waiting on a representative to pick up the phone for hours. Experian please do better with your practices you are not investigating the disputes instead you are responding back to the consumer stating the account was accurate. Who verified? How was this information verified? Where are the docs the back this up? Why do I have to go to this length to get some answers?

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 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I applied for a pre-approved loan that was advertised if approved I can use a blank check to purchase a vehicle with only a disclaimer if full amount is not used or vehicle value is overpriced, Navy federal will not honor rate or amount over. I purchased a vehicle through XXXX XXXX in XXXX  on XX/XX/2019 under blue book value and transaction went smooth and drove vehicle back to XXXX. About 4 days later the dealer ( XXXX XXXX XXXX XXXX XXXX ) calls and notifies me of issues with Navy Federal not honoring the check due to Vin number being for commercial classified truck. Navy Federal did not disclose this in their pre- approval instructions and vehicle was a privately owned ( 1 owner vehicle ) used to pull an RV. Navy Federal gave me a run around first stating problems with vehicle as collateral, then directed me through a new loan process, only to deny me again due to loan type not qualifying for vehicle purchase. This forced me to shop last minute for lenders, to include financing through XXXX XXXX, resulting in multiple credit inquiries further sending red flags for other lenders. I am currently in possession of said vehicle, which is already insured privately, but am in limbo while also juggling my military duties. This situation stemming from Navy Federal has caused me undue stress, burden, and damaging results to my credit and I am seeking resolution. I have never missed any payments and have 2 active mortgages, several credit cards balance always paid in full with no remaining balance, and a personal loan which has been paid always on time with additional principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I have contacted Chase multiple times on XXXX and XXXX for a credit card application due to misplaced fraud alerts. They repeatedly asserted to me over the phone that they are sending hard inquiries to XXXX, not XXXX. I agreed with the hard pulls under the impression that they would contact XXXX. It turns out that they lied every time. 

The choice between XXXX  and XXXX  matters here because they mishandled my recent fraud removal requests and I am still working with them to resolve the issues. Until the matters are settled, a hard pull from XXXX  would not help my issue with Chase but only damage my credit score. Chase thus unfairly harmed my credit score without my genuine consent on hard pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I used a promo code when opening this account and should have received a {$150.00} bonus. I was informed by this bank today via telephone I would not receive the bonus. I had no choice to contact the bank by phone because they were ignoring my secure messages in the online portal. Please review the following correspondence with this bank in which I was told I would receive the bonus by the end of XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX   EST Good morning, it is now the end of XXXX. Please tell me when I will receive my new account bonus. Thank you. 
XXXX XX/XX/XXXX XXXX XXXX EST Ok, thank you! 
Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We show that you opened your account on XX/XX/XXXX. The promotion on your account will take effect after 3 months if there has been no overdrafts on the account. You are currently on track to receive these benefits at the end of XXXX. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST {$150.00} for new accounts after a direct deposit, thank you Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We would love to inform you about when your bonus will be implemented in your account. However, I will need to know what the promotion was to be able to credit the account. If you will please respond with the promotion we will be able to properly credit your account. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST Hello, Please send tell me when I will receive my account bonus. 
Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My complaint is with Synchrony Bank. This bank has arrangements with many merchants which have the effect, if not purpose, of sucking consumers into contracts with exorbitant interest rates and term which lock consumers into ever increasing debt. My specific complain is with Lowe 's and Synchrony Bank. I purchased a kitchen sink including installation from Lowe 's in XXXX, Texas for {$680.00} on XX/XX/XXXX with Reg Deferred Interest /With Pay Expiration Date XX/XX/XXXX, annual Percentage Rate 26.99 %. Nothing in the contract from Lowe 's mention Synchrony Bank. I guess Synchrony maybe a holder indue course. I do not understand holder in due course except it protects the bank or others from some liabilities. 

I think the agreement between seller and buyer should explain the obligation may be sold to a bank and the bank will not be liable. 

I have been paying on my account with Lowe 's or Synchrony as follows : my balance on XX/XX/XXXX was {$500.00}, my balance on XX/XX/XXXX was {$500.00}, my balance XX/XX/XXXX was {$500.00}. and my balance on XX/XX/XXXX was {$540.00}. I paid {$37.00} on XX/XX/XXXX, and {$50.00} on XX/XX/XXXX. 

Payment required for late payment {$38.00}. on XX/XX/XXXX. That calculates out to {$3400.00} annually on a {$500.00} debt or about 684 % annually. 

As a suggestion, sellers should be required to reveal all agreements between sellers and banks.

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 2019-02-05 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: CA

Complaint narrative:
Re : Chase XXXX visa. On XX/XX/XXXX should have received 15 night elite credits per visa benefit but did not due to an undisclosed change in visa program. 
Chase, via email, advertised an upgraded visa and did not disclose all changes. 
I contacted them and they refused to credit my 15 nights even though I paid my fee. They said they changed the timing to first quarter of following year XXXX. In doing so, they denied me my benefit for XXXX. 

This loss has ramifications with my status and benefits at XXXX. 

False and misleading advertising by email that was unsolicited. 

There are also discriminatory practices as anyone with an annual visa date prior to upgrade received their 15 nights for XXXX while others were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Payment activity does not consistently appear and the amounts are not reflected in the balance due.

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