vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Credit Card : XXXX XXXX XXXX. XXXX Account XXXX. 

A cosmetics company charged my credit card when I specifically told them not to. I disputed the charges, totaling roughly {$400.00} to Discover Bank. They gave me a temporary credit and notified the merchant. 1 month later, the merchant ressonded with " screen shots '' of their website ( nothing more ) and XXXX reversed the charges. The merchant provide no evidence that I gave permission to charge my card, nothing with my signature. 

On appeal, i sent XXXX evidence that this merchant was a scam and has scammed other people. They ignored me saying that " THEY ALREADY KNEW THAT ''. Really ... already knew that? Then why are n't you canceling these charges I said. They have not responded since. 

I was on the phone at the beginning with this merchant and warned them DO NOT CHARGE MY CARD. They did it anyway after they tricked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
REGARDING THE COMPLAINTS I JUST FILED XXXX ENDING XXXX AND THE XXXX MOST CURRENT XXXX XXXX. I FOUND LETTERS FROM BANK XXXX DATED XXXX/XXXX/XXXX STATING THAT THESE ACCOUNTS WERE FRAUDELENT ON CARD ENDING ON XXXX I AM ATTACHING THEM AND I NEVER RECIEVED ANYTHIG AND THAT IS FURTHER PROOF OF WHAT HAS TAKEN PLACE BY THE BANK AND THEY NEVER MENTION NONE OF THAT AT ALL AND TRIED TO COMMIT FRAUD. I EMAILED THE CORPORATE PRESIDENT. I HAVE EVEN FURTHER PROOF OF THE LIES THAT HAVE TAKEN PLACE. I EVEN FILE POLICE REPORTS AS WELL AS FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have XXXX and the bills were supposed to be pay through XXXX but they never reported the bills to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WMC MORTGAGE, LLC
State: MD

Complaint narrative:
I was received a letter from XXXX XXXX XXXX for XXXX XXXX of Maryland stating plaintiff : XXXX XXXX XXXX , XXXX has put in a motion for Default Judgment in the amount of {$130000.00} for a loan that I borrowed from XXXX XXXX XXXX on XX/XX/XXXX. for a single unit property located at XXXX XXXX XXXX XXXX , XXXX , Maryland XXXX. 

I believe I owe XXXX XXXX XXXX  none of this amount ( {$0.00} ) as I was a victim of subprime lending and part of the National Mortgage Settlement filed with the United States District Court for the District of Columbia in which Maryland was one of the states who alleged XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX. All of whom collectively state these banks violated the Unfair and Deceptive Acts and Practices laws of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. I also received a check from the XXXX XXXX XXXX on XX/XX/XXXX in the amount of : {$1400.00} as my portion of the amount of the lawsuit settlement. I am asking for your office 's assistance in helping me to resolve this matter with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
There is a debt in my credit but Ive tried to pay for it. But The collector says they dont Have anything open for me. Im bit sure what the collection is for, but its {$70.00} and I want it it off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Forthright Funding Corporation
State: WI

Complaint narrative:
I am refinancing my mortgage with my mortgage banker. ( Same person who did my original mortgage. ) Since my credit was pulled, I am getting a lot of mailings with refinancing offers which is expected. I received the attached in the mail, and was almost tricked into thinking these were from my original mortgage banker XXXX XXXX XXXX. Due to the confusion, I went out of my way to call XXXX XXXX XXXX and ask them about this. 
I looked up some of the regulations, and found that this was not supposed to be happening. 
Regulation N defines mortgage credit product as any form of credit that is secured by real property or a dwelling and that is offered or extended to a consumer primarily for personal, family, or household purposes. For a mortgage credit product, the regulation prohibits certain material representations in any commercial communication about any term of a mortgage credit product, including : The association of the provider of the mortgage credit product with any other person or program ; I am hoping something will be done to limit this type of marketing in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 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 've been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. They made it difficult by allowing me to sign up for certain repayment options online, while others required printing out a form and filling it out by hand in order to sign up. I 'm not an expert, but it seemed like the options you could sign up for online would make them more money in interest. I 'm now in my second forbearance and not sure how I will be able to make my payments once it becomes current again in XXXX. 

I read an article on XXXX outlining the lawsuit the CFPB is currently pursuing against Navient and wanted to share my experience. I hope this is helpful. 

Feel free to email me at XXXXXXXXXXXX Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: TX

Complaint narrative:
I closed my loan with XXXX XXXX and prior to my first payment, it was sold to XXXX XXXX XXXX XXXX to service the loan. I received notice from XXXX that my loan was being sold to XXXX XXXX who would maintain the servicing of the loan. I did n't receive the welcome package from XXXX XXXX until a few days before my due date. I then went to their website to try and register so that I could pay my mortgage on XXXX/XXXX/XXXX. The website kept saying they could not find my mortgage loan so I could not register and make a payment. I called the number listed on their website multiple times on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX with no luck in getting in touch with someone at the Company. On XXXX/XXXX/XXXX, I sent a email to someone listed as a region manager who then reached out to help. He stated that my loan number was listed wrong on the paperwork ( they left off the first 3 digits on the letter ) and gave me the correct loan number. I was then able to register and make my payment but at a charge of approx. {$8.00} given it was a " expedited '' payment due to it being late. RESPA protects me from late charges and reporting me being late on a payment given my loan was sold prior to the first payment. I told the Company that I had no other choice but to make the payment online with them and the site gives me no other option to pay so I was forced to pay the " expedite '' charge. I ask them to refund that charge given it was not ethical to charge me to make my first payment with you and not provide other options at this time. The company stated they would try but that they normally do n't refund this because it was my fault I was late ( which is not true ). I work in the mortgage industry and with the largest mortgage servicers and this is the worst practice of mortgage servicing that I have ever seen. Please respond immediately with corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted Global Client Solutions also known as XXXX XXXX XXXX, regarding resolution of 3 accounts to be made. They required deduction of {$540.00} per month from my account and told me they were going to work with the 3 accounts to pay them. Upon receiving current statements from the 3 accounts, I saw that NO funds have been transferred to the accounts to date, plus I am being charged late fees from each of the accounts, along with reducing my credit rating. 

On XX/XX/XXXX, I contacted my bank to stop payments to them, and have asked Global Client Solutions for a refund of all funds they have taken. 

To date, I have not heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a loan Chase, and decided last year ( 2016 ) to refinance my loan to take advantage of historically low rates and lower my payments. During that process, which was so bad Chase gave me a credit, they made a mistake an under funded my escrow account by over 50 %. I was not made aware of this issue, until Chase sent me a letter saying I owed them over {$4000.00} to cover the shortage. 

I spoke to Chase and they admitted that this was indeed their mistake, but it was still my responsibility to cover the escrow shortage of over {$4000.00}. While it is 100 % their mistake and they admitted to it, they refused to attempt to make it right in any way and are still forcing me to pay this shortage. 

This was a mistake that they made at closing, they admit they had all the information, they admit they underfunded the escrow account - but they refuse to make it right. I am now forced to pay over {$4000.00}. They are making well over {$100000.00} in servicing this loan, and now I 'm forced to cover their incompetence?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I attempted to speak to someone regarding the inaccurate and invalidated debt they were reporting to the credit bureau. The customer service representative threatened me by using obscene and profane language repeatedly when I tried to explain to them that someone at IQ data advised the landlord to type up a letter after I submitted my complaint and claimed to have mailed the demand letter to me when they never mailed any notice letter or any itemized list of deductions. The said that I was committing a crime and they would be filing a civil lawsuit to garnish my wages to collect the debt. 
The representative claimed that I would be arrested if I did not pay the debt I owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax has taken longer than 30 days to respond to our request for an investigation. We mailed a letter to the almost two months ago, asking them to correct errors on our credit report. We have yet to receive a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Payday loan 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: Big Picture Loans, LLC
State: FL

Complaint narrative:
I took out a payday loan several years ago through XXXX XXXX XXXX. During that time, things were fine, until I needed to change to a different bank account because I changed where my direct deposit was going. They told me that there was n't a problem, then they tried to take it out of the wrong bank! When that happened, everything went nuts and I had bounced checks going crazy on that account. This put me in a financial bind and I was not able to pay them, and I had to close out that account. That had to be at least 2-3 years ago. I received a phone call today at WORK ( I have told XXXX XXXX that they may NEVER call me there ) from XXXX at XXXX telling me that they were in the process of having me charged with defrauding the state of Florida and writing bad checks. Once this happened, I would be arrested at my place of employment! I told them that they could not call me there, but I would have my wife call them back. When she called them, they would n't give her any information. She wanted their correct name, mailing address, and fax number, but they refused to give it to her or even verify their correct business name. ( They answered the phone as XXXX, XXXX, and XXXX. ) On XXXX XXXX, 2017 I received a call from an unknown number. They left a voicemail threatening that they had my " name and social security number '' and were going to " proceed out to your job and residence to serve you to appear in court for pending litigation. '' And that I needed to make myself available within " the next few hours '' and to have a valid ID to complete the service. I have a copy of the voicemail available if needed. 

There is absolutely no court case against me. In the state of Florida, once the debt is sold, they are unable to sue. So, these threats that I am receiving on my wife 's phone and at work are illogical and illegal from what I understand. 

I filed the complaint against XXXX XXXX, but they stated that the debt was sold to a third party. So, obviously this third party is harassing and threatening us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sarma
State: TX

Complaint narrative:
Debt was settled for lesser amount. Collection agency refused to remove debt from credit report after collecting and verbally agreeing on settlement. Debt company received settlement payment and refused to remove debt or list debt as settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. XXXX told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me 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 explanation
Consumer complaint received 2017-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I refinanced my house last year XX/XX/XXXX. I had several accounts in collections. 
Every account was paid in full. The reporting agencies, will not correct mistakes, and the particular company that is listed 3 times on my credit report, with the same account number, WHOM Had initially sent updated information to the credit bureaus on XXXX, and again on XX/XX/XXXX. Experian told me that they did not receive any letters from them, but they have the information that I had previously disputed this.. 
I have been struggling for several years to get this cleaned up. My credit score in close to the same after paying all my debts. ( I had more than 10 accounts in collections. ) I have paid all my accounts on time for over 3 years, refinanced my house, bought a car. Corrections are very difficult to resolve. Specifically the account on my credit reports is Account number XXXX. From XXXX XXXX, XXXX XXXX and XXXX XXXX. ( ALL SAME ACCOUNT ) On my credit report, it has this ONE account listed 2 times on closed accounts, AND ONE account listed says BAD DEBT/ CHARGE OFF. ANOTHER same account listed right below says PAID. then, they have this same account in collections. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC
State: SC

Complaint narrative:
On XX/XX/2017 I leased from XXXX in Indiana, paid the down payment, in additional the shipping fee, with an understanding of delivery for the specific purpose of the leased motorcycle. As of XX/XX/2017, I haven't seen or been delivered the motorcycle, in other words I haven't taken delivery of the product. On XX/XX/2017 at XXXX XXXX. XXXX related a threat of action against me for cancellation of shipment not received, and cancellation of contractual obligation having not be consummated by mutual consideration, by threatening repossession, in order to have repossession, you first have to have possession. XXXX stated in email that the threat was by motolease, a motorcycle leasing company, and that motolease would repossess the motorcycle from the shipper, and thereby require that I pay for it, even though I have never taken possession. That's a threat they can't offer, because again, you can't repossess what hasn't been in ones possession. Additionally within the contract, XXXX as required didn't collect South Carolina taxation , title, and registration fees, in such the bike isn't even registered in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Selene Finance LP
State: LA

Complaint narrative:
Please see various incidents in regards to this loan. Credit reports are not showing the correct information. Thus, we are unable to refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Debt was settled at lesser amount. Verbal agreed was made to remove debt once settlement payment was received. Collection agency refused to remove debt or report debt as settled.

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