vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I RECEIVE A SUMMON TO APPEAR IN COURT ON XX/XX/XXXX FOR A CREDIT CARD DEBT.THIS COLLECTION DEBT IS THREE YEARS OLD. MY LAST ACTIVITY ON THIS CREDIT CARD WAS XX/XX/XXXX. THE DEBT WAS CHARGED OFF IN XX/XX/XXXX.XXXX XXXX  IS TRYING TO SUE FOR THIS DEBT WHICH THE STATUE OF LIMITATION IN MISSISSIPPI HAVE EXPIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

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 2018-09-10 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: Westlake Services, LLC
State: PA

Complaint narrative:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. XXXX  responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My husband and I have a joint money market account with Capital One ( for years ) with a balance just under {$20000.00}. It was paying us .30 % interest rate. I was surfing the Internet for a higher rate, and noticed Capital One is offering 1.85 % on money market accounts. I phoned them to find out why they were advertising this high rate and paying us a much lower rate on the same type of account. They gave me a very vague response about how one was 'national ' and one was 'retail ', but nothing on their online advertisement or on my own account indicated any distinction between national or retail. I spoke to three different people who kept transferring me around and providing vague responses to my pointed questions ( I am an attorney ) and one of them said I could open a new account for the higher rate and fund it with the current  account. However, their system kept claiming there was a security issue, and the representative said she texted me a code to use to 'get around the security issue '. However, she refused to resolve this issue, as did the next representative, cutting me off instead. I phoned back several times, same problem and no resolution. Basically, I caught them red-handed and called them on it, and they had no honest response. I think the government should examine this issue as I believe it is consumer fraud. I often have companies phone me to offer me a better rate on my current account, such as credit card companies upgrading me to a better plan, or phone companies offering a better service, so why is Capital One advertising 1.85 % on money market accounts but not paying their customers this rate? There was nothing in their ad about only for new customers either, it was 'this is what we pay '. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I withdrew my money from a money market account and closed it. Discover bank claims to not have received my initial request to close the account and is charging me fees on the XXXX  balance. They refuse to close the account and keep charging me fees! 
XXXX - XXXX out the account and send closure via bank 's internal messaging. 
XXXX - Messaging via bank 's website again requesting closure. Was told they would not because they are charging me a minimum balance fee. ( - {$10.00} ) XXXX - Telephone conversation with bank employees. Requested account closure, and was refused again. ( - {$10.00} again ) Discover bank continues to charge monthly fees on an account that was a savings money market account - not a credit account! They are providing no desired service. I have not borrowed any money from them. 

The bank refuses to close the now negative account without payment of their fees. There was no fee for closing accounts apparent in the agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NY

Complaint narrative:
XXXX XXXX is posted two times, once on the date of the XXXX  and again on the date of XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - date of XXXX  The Accident dated XX/XX/XXXX was 100 % not my fault, the other driver rear ended me and I won a settlement in the case for the other driver 's neglect. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a education loan from Chase Education Loans Dept., which was already terminated between XXXX and XXXX ( I cant remember the year ). I found out this year, through my tax accountant, that chase turned the loan into " taxable income '' in XXXX, but I was never notified. Fast forward to this year, when I got into XXXX school at XXXX XXXX XXXX XXXX XXXX, and I tried to get a Federal Direct Plus loan, and was denied. The people at XXXX XXXX XXXX, gave me an account number to investigate through a free credit report, which I did. I received the credit report results on XX/XX/XXXX, and it clearly shows that the loan is in limbo, and it is listed as " charged off ' status through Chase. The investigation/ report provides an address and phone number for Chase as the lender. When I tried to call the number listed in the report, it is no longer valid. So I spent 6 hours today, speaking with XXXX, the collecting agency Chased initially told me had the loan, and they could not find it. Then I tried to speak to Chase and they initially told me that they have no info. In other words, XXXX claims they have no info on the loan and asked me to contact Chase ; and Chase claims it has no info on the loan, and asked to contact XXXX. I am completely in Limbo. All I am trying to do is start a process whereby I can start repaying the loan. Finally, after 6 hours, I spoke to a rep. from Chase internal credit beaurue specialty dept., who launched another investigation, which takes about 7 days for the results to see where is the loan and find out what  happened. 
I feel this is extremely unfair to me, specially since I have been a Chase costumer since XXXX. I would like to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: KEYCORP
State: MA

Complaint narrative:
The phone number provided on my statements from Key Bank are not accurate. I have to call every month to make my payments, and the number provided of XXXX is not a valid phone to reach them. When I call that number it says that this number is no longer in service and I am provided another number to call. I call that number, I have to provide my information and then I am transferred to another party where I am again asked the same information. I have provided them images of the incorrect statements and the number still remains to be incorrect on the monthly statements. This makes it extremely difficult to pay my loans in a timely fashion if the information being provided by the company to make payments is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX  verified a charge off submitted by Chase Bank referencing data that was afforded to me XX/XX/2018. I sent Chase Bank a certified letter XX/XX/2018 requesting the documents with signatures verifying that Im the account owner of the named charge offs. To this date XX/XX/XXXX 18 Chase did not verify that the information on my file has been disputed as per the FCRA ( 30day ) requirement and still has not provided original contracts with MY Signature verifying that the accounts are mine. I have a son with the same name and have mixed file problems in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MO

Complaint narrative:
I paid our mortgage for XX/XX/2018 on XX/XX/2018. PHH sent us a letter stating we were short on our escrow by over {$1000.00}. We have never been late on payments. We are always early on payments. PHH sent us a breakdown of the payments they have. Our XX/XX/2018 payment was not applied and the escrow for that month was not applied. We have tried contacting the company several times. We get sent to what must be a call center in XXXX where we clearly state the issue over and over and over again and a person with a very heavy accent is extremely confused as to why we are calling. They are not helping us at all. They refuse to let us speak to a supervisor or say the supervisor is too busy and will call us back. The supervisor never calls us back. This is not the first issue. They have claimed we didn't pay before as well and they ended up saying they lost our payments. Our bank had to call PHH and work with them to help PHH find our payment, which they had cashed and just apparently forgot or something. We are honestly not happy with this company at all. We did not choose this company and do not wish to work with them ever again. They are scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
I have a mortgage loan with Quicken Loans for my main residence at XXXX XXXX XXXX # XXXX. Washington, DC XXXX. About XXXX this year, I thought of refinancing my loan with Quicken Loans, and also talked to XXXX. Both offers were not good to me, so I stopped. The problem is that after I stopped Quicken Loans state that they started receiving Payoff Requests from multiple sources that they can not identify and they are charging me {$25.00} per each of these requests. 

I told them verbally and in writing that I am NOT refinancing my loan, and to STOP providing these information to anyone. They say thay dont know who they are, but they can not stop, either. 

Please help me. I am being victimized. I am an elderly, handicapped woman and I can not afford this scam. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
XX/XX/XXXX, inaccurate information on my background report run for a potential employer shows that I was I was XXXX in XXXX of a XXXX of {$2500.00} or less with 2 or more previous XXXX, which is inaccurate. In XX/XX/XXXX I was XXXX of XXXX XXXX XXXX XXXX XXXX and my the XXXX XXXX was dismissed according to the XXXX XXXX XXXX I received from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've been writing all three credit bureaus since last XX/XX/2017 ( see attached ) Transunion, XXXX, XXXX Dispute Letters with the dates times and amounts there was a total of 109 inquiries. I also disputed a closed account with XXXX 's even with the police report they said its mine the account is but paid off in full there is a police report that states its not mine. There are new inquires that I just updated the police report with them and I need them removed immediately and not in 30 days. There is a collection account as well that is not mine on all three bureau ( see attached ). I just want the following done about this matter

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 2018-09-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
Several months ago, I was deluged with phone calls from a company called Convergent as seen on my caller ID. They called both my land line and cell phone. On some occasions, the number had no identifier or was caller unknown. I did not answer these calls but went to a website that identified Convergent as as debt collection agency. I knew I had no outstanding debts that had been turned over to a collection agency and have excellent credit. I put a credit freeze on my accounts after the XXXX  debacle a year ago. On the website it showed a place where you could enter a phone number so as not to receive any further phone calls so I entered both my numbers. The site said I would receive further notifications by mail. On Friday, XX/XX/2018, I received an invoice from Convergent representing XXXX XXXX XXXX XXXX XXXX for {$74000.00} in unpaid loans. I believe this is a scam as I have no unpaid college loans. Online resources stated that XXXX XXXX XXXX XXXX XXXX has had several class action lawsuits for falsely billing people.

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 2018-09-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I had a loan with this company for about {$2000.00} now i went on short term with my job and didn't get paid called the company explained why i couldn't make payment. The young lady stated there was nothing i could do if i couldn't make payment. Months later i called back when i was able to make and set up forms of payment they stated if i couldn't make full amount of payment they couldn't except payment at all. i then stated i cant pay full amount but partial. Now they told me they sent account to attorney and then the sheriff came to my house serve me with someone else information and had a sticker on back pages with my information. I then showed up to court the attorney tried to attempt to make me give her the paper because they realize they serve wrong person than she stated if i disputed and wanted to see a judge the would charge me additional fees and they still charged me serving fee but truly was serving someone else, so not only do i have some one else info they want me to pay those fees and not dispute them to resubmit my actual information, the lawyer called her office hand wrote everything and ask could she email me because i didn't have my original loan documents she then stated i now owe about 4500 dollars. i then tried to work with her and explained after trying to catch up with everything from not getting paid i can pay XXXX dollars a month no more than XXXX a month, she stated i would need to pay amount below, i also added her information and what she stated. I really dont know what to do but i have arrangements with other companies after they knowingly understood my dilemma. Im upset that i have to pay all the fees and loan with no arrangement and still be a single mom and live. Now they are emailing and calling me saying they will garnish my bank account for 20 years and my check and so on. Im very afraid and dont want to be homeless or behind over 4500 dollars. 

Good afternoon XXXX, Unfortunately, that payment arrangement is too low. I can only set up a payment arrangement for 12 months at $ XXXX/month. In the alternative if youd like to offer a lump sum settlement for less than the full amount owed to be paid in 30 days, youre welcome to do that and I will bring it back to my client for consideration. 

Thanks, XXXX XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, IL XXXX XXXX. ( XXXX ) XXXX Fax. ( XXXX ) XXXX Email mailto : XXXX 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 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I received a XXXX alert a few weeks back regarding a debt collection agency ( Diversified Consultants, Inc. ) trying to collect {$500.00} from me, for XXXX. I contacted XXXX to obtain more details. XXXX, with me on the line, contacted Diversified Consultants, Inc. asking for more details. Diversified stated they were trying to collect on a debt from 6 years ago for XXXX. They provided little information but, because the account wasn't mine, they sent me a " fraud packet '' through the mail. After receiving the " fraud packet '', I notice they're asking for a copy of my DL, bank statements, proof of where I had lived 6 yrs ago, police report, and the packet needed to be notarized. Today, I contacted XXXX directly making them aware that this was not my account. I asked what cell phone number the account was under. They wouldn't give that information to me. I asked for a copy of the contract. They stated they didn't have that available. Frustrated, I then contacted XXXX  to dispute the account. The person I spoke with stated that they don't need proof from XXXX in order to leave the debt on my credit report. This is outrageous. XXXX demands I pay them {$500.00} for an account that isn't mine. XXXX adds a derogatory remark on my credit, yet will not provide me any supporting documents - no copy of a contract nor the supposed cell phone number. XXXX  isn't demanding proof of the debt either yet they insist on leaving the derogatory remark on my credit. In six years, I hadn't heard of this debt - I had not been contacted at all over this. Suddenly, I'm being bullied over a debt that isn't mine and I'm receiving absolutely no assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: DC

Complaint narrative:
Through XX/XX/XXXX, I was making monthly payments to PHH Mortgage Services in the amount of {$2300.00}. My payment  included escrow for taxes and insurance. In XX/XX/XXXX, I was notified that my payment was increasing to {$18000.00} based on an escrow analysis that was completed of my account. In XX/XX/XXXX, I stopped making payments. 

In XX/XX/XXXX, the loan was transferred to XXXX XXXX. I have obtained a document where PHH claims to have paid {$330000.00} from the the escrow account on my behalf. The loan was transferred to XXXX with a negative escrow balance of approximately {$140000.00}. 

I have obtained a payment history from the DC Office of Tax and Revenue ( OTR ) that shows they have received {$260000.00} in tax payments dating back to the date that I purchased the property in XXXX. The bulk of these payments have been made by XXXX ( approximately {$260000.00} ). 

I believe PHH Mortgage Services transferred the loan with false documents. I am also being charge interest and penalty payments in the amount of {$70000.00} during the period that my loan was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My problem is with PNC Bank thats supposed to protect my card from fraud and misuse. I stayed at the XXXX XXXX XXXX in XXXX NJ, and they both overcharged my card, and put through an unauthorized charge AFTER I had already checked out. I kept calling them and promises were made for the manager to call me back but never did. 

I disputed the charge with my bank, PNC, and they declined my dispute WITHOUT EVEN CONTACTING THE MERCHANT AT ALL, NOT ONE TIME! 

I do not understand why PNC Bank would reject a complaint of an unauthorized use of my card by a Hotel AFTER I checked out! No contact of the merchant and just flat out declined the dispute. My money was just wasted because PNC did not show much interest in my case, and made no attempt to even contact the merchant.

Company response to consumer: Closed with explanation