vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I 've learned that I 'm a victim of identity theft. I had a loan with The Money Store while I was under wage earner. I learned the loan was refinanced while I was on XXXX. On XX/X/2004 is the date the loan was refinanced. The new company is XXXX XXXX XXXX. IRS brought this to my attention. I pulled my transcripts from IRS, I 've had a meeting with IRS. I need the mortgage interest papers for tax purposes. I also need the information showing my information was refinanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I disputed XXXX XXXX several times for incorrect information. On XXXX/XXXX/XXXX I filed a complaint with CFPB and on XXXX/XXXX/XXXX I received an email from CFPB with the result of Equifax investigation saying that as of XXXX/XXXX/XXXX XXXX shall be removed from my credit file. As of today it still remains on my credit file with all the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL

Complaint narrative:
Last year or so I received a collection account on my credit by ARS Account Resolution in the amount of {$430.00} without notification and in which I have no knowledge of. I disputed the account and it was removed from my credit report. This past XXXX the account was placed on my credit report again without warning/notification. I have not received any type of communication from this company regarding this debt before the account was placed on my credit report. <P/>I tried to have the company to validate the debt in which to this day I have not received any type of correspondence. I 'm receiving notifications that the debt was removed from my report only to be added back shortly after.

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 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went online to download 7 years of transactions, following a message from Chase, describing how to download such transactions. However the list showing the download availability shows only up through XXXX, and 7 years would include XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX I applied for a credit card with Capital One and received an instant approval with a credit limit of {$2000.00}. When trying to download the ap I noticed the account was restricted and I reached out to capital one. I was told by 3 fraud reps that Capital One made an error with my application and it was approved in error and I would receive a letter in the mail on how to proceed. No one was able to validate what error was made by Capital nor how  it could effect an account being approved. On XX/XX/XXXX I noticed that account was closed and I reached back out. I was told that Capital One accidentally linked a promotion code to my account and that the account was closed to " protect me ''. I advised that the excuse given was NOT acceptable. when applying for credit a customers profile is pulled along with income information to determine their creditworthiness. Capital One told me to reapply but its not a guarantee I will be approved. This is a poor credit practice and it is not fair to me as a consumer to be approved for a product based on my personal information imputed and then told there was an error on CO side and the account was closed. capital One still has not explained to me how a promotion code could affect my approval. As I stated an approval is based on each individual consumers person information and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: First Data Corporation
State: RI

Complaint narrative:
On Thursday,  XXXX   XXXX ,    2017, I went to pay by check for tires I had put on at   XXXX   XXXX   XXXX   in Rhode Island.    They ran my check through Electronic Check, Powered by Telecheck , A First Data Company.    My check was denied. There are/were more than sufficient funds for this transaction.   I was mortified and humiliated in front of other customers.   When I returned home I called the bank and was informed it was denied by them.   I then called Telecheck and was informed I did n't have an account with them.   Of course I do n't, THEY ARE NOT A BANK OR FINANCIAL INSTITUTION IN MY AREA This should not give them the right to deny my payment without going through the bank on the check.   This is so unacceptable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.

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 2017-07-07 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: AUTOMOTIVE CREDIT CORPORATION
State: DC

Complaint narrative:
I have contacted CFPB a number of times.Regarding inaccurate information being reported to all XXXX Credit Bureaus ( XXXX, XXXX, XXXX ) .The CFPB is supposed to protect me the consumer.When receiving a complaint from a consumer.The furnisher has to show verification, and validation. To back up there accurate account of disputes. A violation of the FCRA occurs under section 623 ( a ) ( 1 ) if it is shown that a party reported information what was knowingly inaccurate.In any dispute, the furnisher of the information can either verify the accuracy of what they have reported, or correct the inaccuracy should they agree that it is currently inaccurate. To the extent that the CRA considers a response to a dispute to be a date of last activity, that is not a substantive issue, and not a violation of the FCRA.

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 2017-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MI

Complaint narrative:
I have been having a problems with bayview loan servicing before the year 2013.They always say that my payments are late and charging me a late fee even when I send my payments 2 or 3 weeks ahead of my due date. They have been holding my escrow going on 3 years, bayview sends me letters two or three times a month saying my mortgage is in default even though my payments are on time, they send alot of threating letters saying I 'm 3 months behind on my mortgage.They robo call me over seven times every day even after XXXX in the XXXX and on weekends.Bayview saids that I owe them over {$700.00} which I dispute in late fees, because they always make my payments late.I feel that I 'm being taking advantage of because I am a senior citizen. bayview Ioan servicing, LLC XXXX XXXX De XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
USAA BANK WILL HOLD MY DEPOSIT UNTIL AFTER NSF FEES HIT MY ACCOUNT ; THEN THEY WILL DEPOSIT MY FUNDS. I BELIEVE THEY ARE DOING SOME DECEPTIVE PRACTICES WITH NSF FEES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had a charge account with Chase Card Services. I received their statement and paid off the account on XXXX XXXX, 2017 for {$640.00} which was due on XXXX XXXX. This is what the online statement said, so that is what I paid. Well I check their account to make sure all is going well, and see now they charged me an additional {$8.00}. I asked them to waive this fee, since I paid off the account, and was told no, because it was the interest that was accrued and I had to pay it. And apparently, the payment I made did n't hit the cut off date. So I paid it. Well, then I get another bill, this time for XXXX cents. I asked them to waive it, since I have made my payments on time and no issues. Well, nope, this big run around about how I have to pay this, as it is and activity amount and this incurred because of the billing cycle. So, again I paid this. I ca n't have my credit go bad for this kind of tedious mess. <P/>I have never worked with a credit card company to treat you like this as this company has me. I have paid them off, will not use them again, and I am done with them. I just want others to know this is the way they treat their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX XXXX XXXX account XXXX. This debt was settled and paid, but has been causing my credit score to be low. I was not aware of my consumer rights for accounts that were sold to debt collection agencies. Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. I would like this to be deleted from XXXX and XXXX. The date this was recorded as paid was XXXX/XXXX/2015.

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 2017-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB, # XXXX, Specialized Loan Servicing, holder of my second mortgage. In the meantime, I finally found out what was happening. Below is the statement I wrote yesterday on their website when I submitted the electronic document for a hardship loan modification, and attached all the necessary supporting documents : As of XX/XX/XXXX the terms of my loan changed from an interest only to principal plus interest payment. I was only notified about this in XX/XX/XXXX, when it was already 3 months late, and by then was over {$2000.00}. The only way I came to know about this change was with a conference call between XXXX and SLS. Until then, I had called numerous times trying to find out why I had such a large bill, which is now {$2500.00} due XX/XX/XXXX, and was unable to get an answer. I was transferred and disconnected so many times that I finally wrote, and still received no answer - just another bill. If I had been notified in XX/XX/XXXX, I could have borrowed the {$500.00} and gotten a refinance. By the time I found out, I was n't eligible for a refinance, because your company was reporting me late twice in a 30-60 day period. ( By the way, thanks for that! ) I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I have contacted the CFPB, and will continue to do so until I can get the modification that I need. <P/>This is really unfortunate, not just for me, but for SLS, who would have received the total amount that I owed, around {$28000.00} in the month of XX/XX/XXXX. I was informed by the company doing the refinance that everything else was perfect ; the only thing that made the loan fall apart was SLS reporting me late. I need to modify this loan ( HAMP ) as soon as possible, as I can not afford to pay over {$500.00} a month, and certainly can not come up with {$2500.00} this month. This amount would cause a hardship. I wanted this to be on record with CFPB, and will continue to do so until I can get the modification that I need. Yesterday, I submitted the electronic form to SLS with all the corresponding documents needed in order to modify this loan.

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 2017-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I had recently sent a letter to cfpb showing that navient who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both navient, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: STERLING JEWELERS, INC.
State: MI

Complaint narrative:
Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
P1.Good morning. I 'm in the process of buying a home. Talked to some lenders ; they pulled my credit. In connection with the pre-approval/pre-qualification process, I get the " Notice to the Home Loan Applicant. '' The last full paragraph states that, if I have  questions about the credit score or credit information, to contact the agency at the contact information below. <P/>P2.I contacted " Transunion Consumer Relations '' on XX/XX/XXXX at the number given to find out more about the " key factors that adversely '' are affecting my credit score. Transunion listed 4. The XXXX provided does n't get you anywhere close to talking to someone. It is just a number to get a copy of your report. That is the first problem. <P/>P3.I searched Transunion 's website for a number to call to talk to someone. I called XXXX ( on XX/XX/XXXX ) to ask about the factors these factors. I first spoke to XXXX XXXX who stated someone else would have to handle my questions and transferred me to XXXX XXXX, who initially did not want to provide a last name or an employee ID. I started asking my questions generally ; she said I had to talk to a supervisor. The supervisor was not available, so she was stuck with me. <P/>P4.Insufficient Length of Credit History - I asked her what this means since I have had credit since the early XXXX 's. She could n't give me specifics about this, only guessing that it " could be '' this account or another account. I asked for specifics, but she kept recycling the same response. <P/>P5.Proportion of Revolving Balances to Credit Limits Too High - I thought this could be easier since it is talking about proportions ( a different way of referring to a percentage ). I asked her what is too high so I know for future references and can better manage my credit. Again, same canned response without any specifics. I terminated phone call. <P/>P6.The other two factors are " Amount Owed on Revolving Accounts is Too High '' ( again, what is too high? ) and " Proportion of Loan Balances to Loan Amounts is Too High '' ( again, what is too high? ). <P/>P7.I attempted to find answers to my questions on Transunion 's website but I could not locate it.

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 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: MS

Complaint narrative:
A dispute was placed on a credit report regarding a medical bill that my spouse owes. I contacted the company and they informed me that this was a medical bill that my spouse owes and it is now my responsibility. I informed the lady on the phone that my husband XXXX away and she stated the bill is now my responsibility. I live in Mississippi an and it is not a community property state. I did not sign or agree to this debt and hold no obligation to repay it.

Company response to consumer: Closed with non-monetary relief