vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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: NCC Business Services, Inc.
State: FL

Complaint narrative:
Previously advised agency that I was in dispute with the original creditor regarding fees associated with move out.. carpet replacement fee, Agency refused to allow me time to negotiate with original creditor regarding this. They reported to XXXX after I adivised several times I wanted to discuss with original creditor.. within 1 30 day period they reported same account 3 times to XXXX in hopes of decreasing my score ... 
I am still in dispute of my liability of replacing carpet at apartment I paid apartment over XXXX dollars all I owed minus disputed items

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: MI

Complaint narrative:
I am waiting for a recount of my qualifying direct loan payments which count towards public student loan forgiveness. I requested the recount in XX/XX/XXXX, at which time they told me this would take a year, and it is now XX/XX/XXXX and the recount has still not been performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been speaking with numerous representatives at Equifax regarding a block. I am in the mortgage process and my lender can not access any information from Equifax. He ran my credit in XX/XX/XXXX and XX/XX/XXXX. He ran the credit again end of XXXX working on final loan approval and has been receiving a clock from Equifax on his end. I can Equifax 1st representative says theres no block, 2nd representative same day says there is a block, speak to supervisor all in the same day which advises there is a block and social security/driver license is needed. I fax over per their request. Call the following Monday to confirm all documents were received as I am on a time crunch ; they advised they were received however I didnt need to do all of that, and he was lifting the block as we spoke on that same call. All the while every single call/representative has asked the same security questions which I provide the same answers and have always passed my security questions and validated my file. Every time I speak to my lender he advises he still gets a block from Equifax. He has even called the customer service dept asking how we can lift this block and he was told that I needed to call and request a release for core logic because that is the system my lender uses. I did just that, representative advised theres no such block. Now, after almost 2 weeks of providing same information all of a sudden I am unable to validate my security answers and questions and Im blocked from accessing my Equifax file. Please help as I need loan approval in 1 week! These people are all incompetent! Always giving you incorrect, inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
I had full medical at the time of my service and they didn't charge my medical but decided to bill me instead

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I applied for Credit on XX/XX/XXXX and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I applied for Credit on XX/XX/XXXX and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 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: MA

Complaint narrative:
To Whom it May Concern, In 2013, I was convinced by a salesperson at XXXX to apply for a store card in order to receive a discount on clothing. I was told that I would receive the card in the mail. The card was never arrived, nor did a bill or any form of communication from XXXX for several months, until I received a letter from the debt collection agency, XXXX. Although it was sent to my address, it was directed to someone with the last name of the street I live onXXXX XXXX ( addressed to " Mr. XXXX '' ). 

I called XXXX to complain, and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years, my credit report continued to show both XXXX and XXXX, preventing me from applying for any type of credit card or loan due to " serious delinquency. '' I made another attempt in XXXX to contact XXXX ( since the account was in their hands ), and spoke with someone in upper management. He apologized on behalf of XXXX XXXX  actions, agreed to close the account, and to contact XXXX XXXX, Equifax, and XXXX have it deleted from my report. This was successful, but my score strangely dropped 80 points. I then called all three credit bureaus and was offered no explanation to why this happened. They suggested to contact XXXX, which didn't make logical sense to me. However, I took their suggestion and explained my situation to an individual at XXXX over the phone that XXXX closed the account and asked that XXXX, once and for all, remedy their error and contact the credit bureaus to delete the error from their end. I called XXXX back to check the status two weeks later and was told by a different individual XXXX had indeed sent the three bureaus a letter requesting that it be deleted. Yesterday I received a letter from XXXX XXXX addressed to " XXXX XXXX '' ( XXXX XXXX ) stating that XXXX was unable to close the account or request that it be deleted without any explanation. 

I feel that what I have gone through, for six years, is most unfair and unprofessional. I am a XXXX XXXX who supports XXXX children. I make regular monthly payments on a mortgage and car. My credit score and report have suffered because of a simple, clerical error that was never remedied by a clothing store. 

Thank you for your attention, XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We received an offer from AMEX. 0 % balance transfer and {$0.00} balance transfer fee. There is no disclosure whatsoever that they limit you to a XXXX balance transfer. We have read the disclosures in full and they have agreed there is no disclosure. We were approved for a XXXX line of credit and intended to transfer XXXX. We would have never applied for this card if we knew that. Now we have an inquiry on our credit and we have disclosed all of our personal information to them. We tried to resolve this with AMEX.  We asked that they make an exception and transfer the XXXX. We also asked that they remove the inquiry on our credit report. Of which, they refused to help us with anything. We talked to 4 different people with no solution. All we were told was we can't do anything for you. We told them we were going to file a complaint and trying to resolve this with them and all they said was file a complaint. Done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX XXXX, above, this item was PAID and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies sent to all 3 credit reporting companies, above. ACCOUNT CLOSED 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Access Financial LLC
State: MO

Complaint narrative:
I placed a stop payment on my loan with this company and notified them to stop taking ACH payments from my account. They then began taking {$100.00} from my account on each payday. I have notified them numerous times to stop taking these payments and they still continue to take this from my account. I am paid on the XXXX and last working day of each month and each month they take {$100.00} from my account via eCheck. The check numbers are random numbers that I did not authorize. I have tried multiple times to get them to stop taking money from my account. I am now filing chapter XXXX bankruptcy and I have notified them of this and they still continue to take the {$100.00} each paycheck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
- I had applied for a Credit card through American Express due to the lucrative offer of obtaining a bonus of XXXX points after spending {$5000.00} - I applied on XX/XX/2019 and achieved the goal of spending the {$5000.00} around mid-may - The welcome bonus did not show up in my account at any point so I opened a chat with American Express to find out why this was - They informed me they had denied the bonus due to being ineligible. 
- I asked them why and they would not provide a specific reason as to why. 
- I was at no point ever informed that I was ineligible for the bonus and the application proceeded to approval without any communication that I would not receive the welcome offer. 
- I was told that the account had been reviewed after approval and at that point, the welcome offer was removed from the application. I was also told that it was not required that I would be informed of this. 
- Under the impression of being elgible, I met the spend and proceeded as normal. 

It is to my impression that this should be considered fraud as I submitted my application under the influence that I would receive the welcome bonus given I met the terms of the agreement. I was also told that regardless of not being informed that I am still being denied the bonus. I never would have proceeded with the application if I had known I was inelgible for the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XXXX I used the credit card for the first time in a few years and after being charged {$75.00} I payed off the amount in full on the XXXX of XXXX right before my payment due date. After receiving my mail months later, due to a delay for enlisting in the United States XXXX XXXX, I finally found out that the company has been charging me small {$1.00} payments or less for some reason undisclosed and after 6 months, the late fees and interest charges have piled up until now when I am finally able to pay off my debt. 

I am more than happy to pay off my debt but I don't even know why these charges have been made every month and why I was not made aware of these charges before I left for XXXX XXXX XXXX. 

I am willing to pay the debt amount but not the interest or late fees. 
I can provide orders concerning dates of enlistment as well as my payment statements made on time. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My phone was stolen at a night club on XX/XX/XXXX and used to initiate XXXX Transfers to an unauthorized person in the amount of {$5000.00}. When the fraud was reported to Bank of the West, they asked that I submit a fraud claim with them. Following that claim being submitted, the bank denied the fraud claim as they said that I was being careless with my personal property and that the fraud was actually my fault. I have been treated as a co-conspirator by Bank of the West since this process began and I am the victim here. I have had an account in good standing with Bank of the West since XXXX. The Bank first denied my claim because the banker ( XXXX ) I was working with at the XXXX XXXX XXXX did not understand what had happened when he took the claim. I was then contacted by someone named XXXX who was with Bank of the West. She interrogated me again as if I was a co-conspirator with the person who stole my money. After I told her what had happened, she attempted to lay the blame on me saying that I was irresponsible with my property. After she berated me, she told me that she was waiting to hear back from the receiving bank to try to get the funds back before she credited my account back the funds that were taken. I told her that I would wait until the funds were credited back into my account from either the fraud person 's bank or Bank of the West credited my account back. She assured me that I would receive the funds either by retrieving the funds from the receiving bank or by Bank of the West crediting me back. She even said that she wanted to delay crediting my account back the {$5000.00} because she didn't want my account credited back {$10000.00} if the receiving bank sent back the funds that were taken. Following that phone call, I received a letter from Bank of the West again denying my claim and now saying that I needed to contact the receiving bank to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
Contacted each credit bureau and informed them Im a victim of identity theft. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1600.00} {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I attempted to pay my mortgage with Ocwen via the phone as I usually do. Unfortunately, their automated system does not recognize my phone number, loan number, nor does the alternate option of inputting my social security number and zip code work. I have tried multiple numbers of Ocwen so I can make my mortgage payment and to no avail I am put on hold for 30 to 45 minutes before the system hangs up on me. I just want some assistance from Ocwen so I can make my mortgage payment on time before the XXXX without concern of being late. I just need to pay my mortgage, which you would think Ocwen would be happy to take from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
After requesting three times to have no more phone calls until these XXXX   resolve the complaints I received another phone call on Tuesday XX/XX/2019 at XXXX from XXXX after three times telling them I want no more phone calls and asked to have my number removed on three calls previous they have failed to do so and now today 6-11 they are just running the message until it cuts them off saying nothing. More XXXX from these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EXCEL FINANCE COMPANY
State: TX

Complaint narrative:
My husband and I are 30 days to less than 30 days past due on a loan. However, we continue to pay our installment payment every month. They will call our cell phones, email me and when they can't get a hold of us they will call both of our jobs. 
I have advised repeatedly, that we can not be reached because of the nature of our employment ( XXXX XXXX XXXX ), nor can we receive personal calls at work. I have advised through verbal and written statements to stop calling our employers, yet they continue to do so. I have advised also that they may call our cell phones, email me or send letters to our address, but to cease and desist calling our jobs. It is unnecessary, especially when they have alternative ways of contact and they are still receiving a monthly payment. Although, this has happened on several occasions, the most recent occurrence was today XX/XX/19 when I answered a call from a representative ( I am off during the Summer ) and told her the date we would be in to pay it this month. My husband about two hours later calls me on his lunch break to inform me that they left a message with the charge nurse to call.  We are aware of our past due status and have advised them until we can make a double payment we will continue to make one payment every month. They have offered to do a deferment. but we have declined due to extending the loan and adding more interest. We are trying to pay this off. Bottom line, I have advised this to several representatives verbally and also in written form so it is not as if we are not aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: MS

Complaint narrative:
Keep calling my phone from different numbers throughout the day and night. ( XXXX ) XXXX XXXX, ( XXXX ) XXXX  and ( XXXX ) XXXX. It is overwhelming because I am at work most of the day and phone keeps going off for nonbusiness calls. Calls everyday all day.

Company response to consumer: Closed with explanation