vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: IN

Complaint narrative:
I have been trying to get a modification for my home mortgage. I have been doing so since XX/XX/XXXX. I have submitted at least 4 times their requested documents on their application process. They always deny it stating I am only eligible for a short sale. I am working with a government appointed organization in XXXX County. I have sufficient income and not much debt. 
Submitted applications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
my name is XXXX XXXX. We have been fighting forecloser for almost a year. we thought were making some progress. We found out on fri. XX/XX/XXXXthat our hpme was sold by the mortgage co. there name is ocwen finance. we were not notified in anyway. I've called them, but could not get an answer. I don't know what to do. my wife and I are on social security, so we don't have a lot of money to hire a lawyer. Please help us, if you can. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX  has removed the item but XXXX and Experian has not. I've sent them I certified letters and they still have not removed the item.

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 2018-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was notified by XXXX XXXX  on XX/XX/2018 that they reduced by credit limit. At this time my card balance was XXXX and my previous credit limit was XXXX. XXXX XXXX advised me that because of information they obtained they dropped the credit limit to XXXX which will not only report to the credit bureau as 100 % card usage and also over the limit which will tank my credit report score even more. I am contact XXXX XXXX and they advised that there is nothing they can do they reduced the limit due to the information they obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Couch Conville & Blitt LLC
State: MS

Complaint narrative:
XX/XX/XXXX I received from the human resource office of XXXX XXXX XXXX a copy to Writ of Garnishment of something sent from the Circuit Court XXXX District of XXXX County against me for the amount of {$3100.00} which occurred on XX/XX/XXXX. 
On XX/XX/XXXX, I sent a certified letter to XXXX XXXX XXXX XXXX ( Couch, Conville, & Blitt, LLC ) to the XXXX XXXX, LA address that was provided on the document. It was supposed to arrived on XX/XX/XXXX but did not due to the wrong address on the document. When I called to get a corrected address and told them what had happened, the clerk didn't want to talk to me until she got the last four digits of my social and she can find out who I was so she could start the recording. She said her line that this was attempt to collect a debt and I was being recorded. She looked up the account and said that the debt was back in XX/XX/XXXX and could I make a payment in full. I hung up since I did not want to be recorded or her alter her statement to be my statement. I resent the letter on XX/XX/XXXX via certified mail as of XX/XX/XXXX it should be there. The new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I did not authorize this creditor to run my credit I have never heard of them nor request credit with them.

Creditor Name : SYNCB/GAP Inquiry Date : XX/XX/XXXX Removed By : XX/XX/XXXXType : National Credit Cards/Airlines

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 2018-06-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX Capital One closed my credit card account " due to inactivity ''. This were my oldest credit accounts and has negatively impacted my credit score by over 100 points. 

My credit card from Capital One was opened in XX/XX/XXXX. My last payment on the card was XX/XX/XXXX and it was closed without my consent on XX/XX/XXXX. 

Why all of a sudden did they close it after nearly 7 years of inactivity?? 

I did not receive notice that they were going to close my account. I have called them numerous times to try and have my account reopened and they are denying the request " due to their policy ''. 

I can understand closing an account due to inactivity but I think there should be a way to reopen the account and start using it again. Especially since the credit score system calculates your " credit age '' only based on your accounts that are currently open.

I have seen online that other people have successfully had their accounts  reopened by filing a CFPB complaint and am hoping to make some progress in recovering the last decade of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
A loan modification packet has been submitted for review but Ocwen has failed to respond. The lender has violated the Dual Track restrictions of Regulation X, 12 C.F.R.1024.41 ( g ). The lender has failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The lender also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
My credit score dropped from XXXX to XXXX due to three Navient reportsthat say I owe {$45000.00}, {$38000.00} and XXXX. These loans belong to my children and are being paid. Why did I lose 100 points on my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NCC Business Services, Inc.
State: TX

Complaint narrative:
I call the company to payoff at Balance I never knew I had. I pulled my credit report and paid it off on the XX/XX/XXXX. In the amount of {$610.00}. So now everytime I run my report it shows as a red flag. I received my paid in full letter on the XX/XX/XXXX. But every time my credit is ran pops up as a balanced owed. I have Called the collection company, I tried disputing it as well and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
The account that was in collections with Portfolio Recovery Associates was paid in full and keeps bouncing from removed from collections to new account added to collections which is directly affecting my credit score. The last time they added it back 19pts were taken from my score. I asked them to remove the acct and they told me that they do not do that. This information is false and the acct isnt new to collections. This acct is fully paid off and their information is inaccurate and false. This also is adding derogatory remarks to my report. The most recent removal and adding took place on XX/XX/XXXX18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi I have made XXXX purchase on XX/XX/XXXX and the same was not working/defective and i had to return subsequently. 
i was asking for the refund from citiback credit card and they are not helping me. 

I need your help here.. 



Below is the latest info from citiback for my {$390.00} refund amount. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT NUMBER XXXX Citi ( R ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX This letter concerns the transaction described below made with card number XXXX : Date Amount Description XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXX We needed your response to our XX/XX/XXXX letter no later than XX/XX/XXXX in order to continue our investigation. Since no reply was received by this date, the dispute was closed. Please understand that Citi does not set these timeframes and we are unable to extend them or reopen a claim once this date has passed. We no longer have any options available to pursue a credit on your behalf through the dispute process. 
We regret that we are unable to assist you in this matter. 
Sincerely, Customer Service Team FEDERAL REGULATIONS REQUIRE THE STATEMENT ************************************************************************************************ I also providing further info that XXXX has settled the matter with citibank as below : -- -- - Original message -- -- - From : XXXX To : XXXX Cc : Subject : Re : Order : XXXX Date : Mon, XX/XX/XXXX XXXX XXXX Hello, We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. 

Please contact your card issuer for more information about reimbursement for this purchase. In the future, file an XXXX XXXX claim to resolve any issues related to XXXX XXXX purchases before contacting your card issuer. For more information, see our XXXX XXXX FAQ ( XXXX ). 

We can not help you further with this problem. 

Sincerely, -- - XXXX Account Specialist XXXX XXXX I also confirm that the seller has confirmed that he has approved to issue credit to me as below : Order ID XXXX : Message : Dear XXXX, We confirm that the refund has been initiated on XXXX and our system shows that we have fully refunded you {$390.00}. 
Please find the attached screenshot of your order. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: OH

Complaint narrative:
I received a letter on XX/XX/2018 from Stoneleigh Recovery Associates for the amount of {$280.00} for a medical bill I phoned this company the same day around XXXX XXXX to explain to the collecter that my medical insurance at the time should have covered this bill. I also explained this debt has been bounced from two other agencies. When telling her the SOL is up on this debt she threatened me by saying it will go on my credit. The hospital I received treatment at did not fill out insurance correctly or send me a bill. Stoneleigh provided no options and expects me to pay a debt I shouldn't owe. I also told the collecter I will contact my insurance at the time and they will handle the bill, I was told that wouldn't work Which is a lie. I also asked for the hospital information which the collecte refused to give me. Her excuse was " They cant do anything about it '' I didnt ask that i asked for the information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: OH

Complaint narrative:
I became a Chase Sapphire Reserve Card Member in XX/XX/XXXX. One of the benefits of the card is Priority Pass, which allows cardholders access to airport lounges across the world. To be able to use that benefit Chase requires the cardholder to sign up for priority pass and receive a priority pass card in the mail for use. I originally signed up in XX/XX/XXXX for priority pass. The card did not come in the mail. I called Chase two to three times in XXXX inquiring about getting a priority pass card. Each time they said they would submit the request and get it mailed to me. The card never came. During my last phone call I was told if I did not have my priority pass card, to charge the priority pass lounge fee onto my credit card and Chase on re-reimburse me. I dropped it at that point even though I still had not received the priority pass card. On XX/XX/XXXX I attempted to use a Priority Pass Lounge in XXXX and that lounge only lets people in with the Priority Pass card however would not accept payment for entry. In order to use the benefit of the card, I then called Chase to get my priority pass account number ( the lounge would have accepted that ) and they were unable to provide it. I then asked to speak with a manager. Once connected with a manager they told me they were also unable to get my number, and that Priority Pass is Chase 's vendor so Chase had no control over the benefit and problems with getting me access to the card and/or number. Even though it was Chase 's vendor, I was surprised because the manager took zero responsibility for Chase and blamed the issues with receiving the benefit on Priority Pass. The Manager did say they would put in another request to send out the priority pass card. With all that being said it feels like this benefit that I purchased with the credit card was deceptive/a bait and switch. Chase made it impossible for me to use the benefit I am paying for with the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Transunion in reference to a past letter and also a recent letter sent regarding hard inquires that I did not authorize. They acknowledged and verified that the letters was received and verified the contents of the sent letter. They did not respond as asked and required by law. They did not delete anything nor did they said a letter detailing the process in which they verify the method in which was used to make sure the information was accurate and true-to-fact. I am requested due to the lack of effort to either respond or verify the information. The inquires should be deleted.

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 2018-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A debt that was destroyed in XX/XX/2007, was reopened by XXXX XXXX for purposes of getting a garnishment order last month. I had no idea this was happening. They wiped out my entire savings account of {$1000.00}. They tried to get and additional {$700.00} from my checking account, but Im XXXX and get SSI so they werent able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Reference : XXXX XXXX XXXX ; The above XXXX account was disputed with XXXX XXXX and closed in XX/XX/XXXX due to unreturned equipment. 

I contacted XXXX XXXX in XX/XX/XXXX and explained I had left a violent and potentially dangerous situation and could not return to that apartment to retrieve the equipment. However, I explained that they have a tech office 0.3 miles from the apartment and there were XXXX XXXX techs in the complex almost daily, so if they would send a tech to retrieve the equipment it would be surrendered without any incident or threat of any violence. My initial request to have the equipment returned was denied, as I was told " they don't pick up equipment. '' I requested an appeal with XXXX XXXX where I pleaded my case over a recording with a representative from XXXX. My recorded appeal was denied by XXXX and I was told they do not pick up equipment under any circumstances. Having no other alternatives, my account was closed and placed in a collections status as of XX/XX/XXXX, and I accepted the damage to my credit rating. 

But now in an apparent attempt to further damage my credit rating and extend/bypass the statute of limitations, XXXX XXXX and XXXX XXXX XXXX has fraudulently reported the debt as being closed TWO YEARS LATER in XX/XX/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 2018-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: ID

Complaint narrative:
On XX/XX/2018 I wired USD {$400.00} from XXXX, Idaho to XXXX, XXXX via Western Union. The exchange rate on their website differed from the rate charged at the time of the transaction by 10 % which resulted in XXXX Euro difference on the transaction. ( See attached screenshot of the published rate and copy of the transaction receipt ). This charge was in addition to the {$28.00} transaction fee.

That same day I filed a complaint with Western Union. Western Union responded yesterday with a lame excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was misinformed about when to pay and now I have a late payment on my credit score

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 2018-06-04 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit. 
I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions. 
I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below. 
I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX. 
Thank you Inquiry details Ally Finan I Inquiry from XX/XX/2017 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2017 Misc. 
XXXX XXXX Inquiry from XX/XX/2017 Automotive  XXXX XXXX Inquiry from XX/XX/2017 Finance  XXXX XXXX Inquiry from XX/XX/2017 Finance XXXX XXXX Inquiry from XX/XX/2017 Finance XXXXXXXX XXXX  Inquiry from XX/XX/2017 Finance Your system only allowed me to report three companies so I reported Ally, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you

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