vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I pulled my credit and was surprised to see a collection from TransWorld System Inc., which being a collection has dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or who it was for. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt from XXXX which did not hit my credit until XXXX ( 2 years later! ). After finding the company name and phone number they were able to pull up my account number ( XXXX ) with my social security number and I was then able to verify what it was for and settled for the amount it was for. As an XXXX veteran trying to better his finance for his family, I would like to kindly request that this collection be removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: DC

Complaint narrative:
On XX/XX/2018, I received a targeted e-mail promotion from American Express for my American Express XXXX XXXX card to earn 10x the bonus points for purchases with XXXX. When I clicked the link to enroll my card in this promotion and then clicked enroll within the link I repeatedly received an error message saying they were unable to enroll my card due to a system issue and to try again later. I have tried to enroll my card for this offer on numerous different browsers for 5 straight days and receive the same message every time. I contacted Amex regarding this issue and was told there was nothing they could or would do to fix this issue to get my card enrolled in this offer. I find this to be fraudulent and misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: CA

Complaint narrative:
LAST YEAR I HAVE PULLED MY EQUIFAX CREDIT REPORT WHERE AN OLD ACCOUNT WAS SHOWING FROM XXXX WHICH HAD A NOTE WHICH SAID THIS ACCOUNT WILL BE REMOV ED FROM HYOUR REPORT IN XX/XX/XXXX. THE FIRST DELINQUENT ON THIS ACCOUNT WAS MADE IN XX/XX/XXXX. AFTER THAT THERE WAS MY PAYMENT EVER MADE ON THIS ACCOUNT AND IT WAS CHARGED OFF. IN XX/XX/XXXX EQUIFAX REMOVED THAT NOTE FROM MY ACCOUNT AND THEY DID NOT REMOVE THIS ACCOUNT FROM MY REPORT. 
THE SAME INFORMATION WAS REPORTING IN MY XXXX AND XXXX XXXX BUREAU WHICH THEY AUTOMATICALLY DELETED IN XX/XX/XXXX. BY CREDIT REPORTING ACT THEY HAVE NO RIGHT TO KEEP THIS ACCOUNT ON MY RECORD FOR MORE THAN 7 YEARS FROM THE FIRST DELINQUENT MONTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
We are the seller of the property. Appraisal for property with accepted offer of {$330000.00} came in at {$310000.00}. Comps used were XX/XX/XXXX/XX/XX/XXXX when the most comparable property sold XX/XX/XXXX. Our home was listed XX/XX/XXXXand closed XX/XX/XXXX. The appraisal was incorrect and we sent detailed corrections to the First National Bank XXXX, PA XXXX XXXX Asst VP XXXX and requested corrections be made. The appraisal had many inconsistencies and contradictions. No value was given for 10 items. The appraisal stated that the neighborhood value of homes were consistent and appraisals generally fell no less than 5 of purchase price. In the Opinion of Site Value, he gave the home a value of {$390.00} ,XXXX and then said it was not a consideration for the appraisal. He stated no improvements were made in 15 plus years and the home is 4 years old. We contacted a real estate attorney for a consultation. The attorney agreed that we had no true value of the home. In addition, when an appraisal is contested, another appraiser does the appraisal. We offered to pay for the second appraisal but the bank chose to use the same appraiser. The bank Underwriter accepted the false appraisal and accepted the appraiser 's refusal to make ANY corrections to the appraisal. We asked for this in writing and were refused. 
However, we do have phone and emails on the matter plus supportive documentation. Although there is no proof, the attorney said that these refusals can give the perception of collusion. I spoke with a local WV bank and was told they have never had an appraisal come in that far below the selling price and they assured me they would never provide a mortgage loan based on a false appraisal. Most disturbing was Mr. XXXX XXXX absolute determination to not review, discuss, or correct ANY of the items that were pointed out. He knowingly submitted a false appraisal. And in return, the First National Bank knowingly accepted the false appraisal. This can not be a viable or legal practice. We felt backed into a corner by all parties involved. We felt bullied and did not feel anyone had any interest in the outcome other that the money they stood to receive. We have no idea of the connection of XXXX XXXX XXXX relationship with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is in regards to the complaint around # XXXX. The case has been erroneously closed. In their response they stated that the account was closed for delinquency. Also, in their response they show that they returned the payment made that would have cleared the debt on the account. The credit report shows that I was in good credit standing ( with the exception of the two months they decided to not take payments ) until XXXX. According to them they " closed the account in XXXX ''. Their actions were unreasonable and violate FCRA unequivocally. This blemish on my credit report is completely fraudulent.

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 2018-11-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My original student loan was with Navient ; which was incurred in XX/XX/XXXX ; I was current on my loans until I filed for bankruptcy ( which was filed in the bankruptcy courts in Arizona on XX/XX/XXXX ), listing Navient in my bankruptcy petition. On XX/XX/XXXX, the Judge entered an Order of Discharge ( which Navient was part of that discharge order ). After the order, I received phone calls and letters from XXXX ; and now on my credit report I have a company stating I owe them student loans to this company : XXXX XXXX  XXXX XXXX XXXX XXXX ( Educational ). I have never had any loans with this company ; nor do I owe any loans as I filed for bankruptcy and owe nothing to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A representative from the XXXX called me at work and said I have until XX/XX/XXXX to pay {$370.00} settlement my payday loan. I told them I dont have money and they said if I dont call tomorrow before 3 they will proceed to take legal action, but I tolk my loan out with ace cash express and its a collection company trying to scare me to pay please help i want to pay it off but I dont know what to do. The company is called XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
XXXX service was purchased through XXXX XXXX XXXX on XX/XX/2018. Immediately received poor quality service and reception through XXXX, subscription cancelled within first week. Also, continuance poor customer service through XXXX XXXX XXXX. 

The next month a charge was taken out of a bank account for a total of {$460.00}. After calling several times regarding this issue continually not being resolved, and being transferred countless times and spending hour upon hours on hold every single call just to have half of the calls transferred to non existent numbers and needing to restart the process time over time again, and being told the issue was going to be resolved, a rep informed me it was a ETF, which could not be refunded, despite being told several times the charge was made in error and was going to be refunded. After XXXX XXXX XXXX refused to refund the money, a complaint was made through XXXX XXXX   under the charged bank account. XXXX XXXX deemed the charge worthy of being refundable. The banked processed a refund for this charge. 
Started receiving phone calls regarding an unpaid debt that matches a previous amount charged through XXXX XXXX XXXX. This charge was for XXXX, the charge of the ETF through 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 2018-11-05 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: OH

Complaint narrative:
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above

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 2018-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Subject : Complaint Hi we have an auto loan with Chase Auto Finance. I would like to file a complaint. When my husband became ill and out of work we began missing payments. We contacted them and there was little they could do. We sent payments as we could. I got enough saved up to pay the balance that was due per my XXXX statement due in XXXX. It's was roughly {$2100.00}. There was no indication on the bill no phone call no notice of repossession. They came on XX/XX/XXXX and reposssed with no notice at all. As of today we still have not received any communication and have no idea what's going on. I tried calling to say this is a misunderstanding etc and they were not sypathetuc and said oh well our only options are to pay the total loan balance of XXXX within 15 days plus storage fees etc. I feel like we were not treated right nor was anything communicated to us. There is no way we can come up with that money in 15 days so will likely just let the car go. The car was a lemon so I am not too distraught about it although it will kill our credit. I just would like some answers because of the way this was handled. If they had called I would have paid the balance but was waiting for the XXXX due date. Thanks so much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have been attempting to modify my mortgage for over a year. Freedom mortgage was unwilling to assist me. I reached out to a third party, XXXX, and opened a case with them. For over a month we have been working to modify my mortgage. I started to receive notices from multiple attorney 's offices stating that my home was going to be foreclosed on. I reached out to XXXX for guidance and they stated that my home was up for sale on XX/XX/XXXX, and that Freedom Mortgage was reviewing my case and paperwork. A few weeks ago I started receiving mailings about a XX/XX/XXXX Auction with XXXX County Court. I reached out to XXXX again, they stated after speaking with Freedom Mortgage that they were still reviewing my case and the sale date was still XX/XX/XXXX. I still, at this point had no correspondence from Freedom Mortgage. I reached out to a Bankruptcy attorney to clarify my status and they confirmed the XX/XX/XXXX auction. Had I not filed Bankruptcy THIS AFTERNOON, I would have lost my home. The sale date that Freedom Mortgage was giving, was a week later than the actual sale. 
Freedom Mortgage Loan No. XXXX XXXX XXXX ID XXXX Case Manager XXXX XXXX ph.XXXX xXXXX

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 2018-11-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following  inquiries off my report. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following inquiries off my report. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above

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 2018-11-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
We have called Lowe 's credit card services numerous times. They consistently misapply our payments, have charged us interest several times inconsistently, do not allocate payments accurately, and try to charge us deferred interest. Their statements do not make sense, they are hard to understand or decipher, and their explanations change repeatedly. We have attempted to pay off our balances without interest, and it's nearly impossible. They report purchases we don't see on our statement.

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 2018-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
in XXXX there was fraudulent charges on my Suntrust credit card. I called them they ask if the charges were mine i told them no they told me they were canceling the card and sending me a new one. I waited 2 weeks and never received the new card. called them again and was told it was sent out, wait until the end of the week they told me. never got it so i called again, this time i was told that there was no card sent out that the card was frozen and i would have to come in to the branch office to un freeze it. asked were that was, was told that they are in Virginia and Georgia. Im in XXXX and that was not going to happen. so they told me that they would send it to be investigated and they would call me to see what could be done to close the account. this was the last week in XXXX. I left for the winter to XXXX XX/XX/XXXX they did try to call me on XX/XX/XXXX i was craving and missed the call have repeatedly tried to call and left messages no response so i sent a message on there site. they answered back and someone would be calling me from investigations. still no call. i messaged Suntrust again they messaged me back and said that they did call me. Not true i have had my phone at all times and have not gotten a call. messaged again they asked for my phone number and a good time to contact me. again and was assured they will be calling. Still no contact. I just want it closed do not understand why they can not do this. I have never had the trouble that i have had with this bank i would advice no one use SunTrust if you don't live in there area.

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 2018-11-05 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: WA

Complaint narrative:
At the beginning of XXXX, I applied online for a Chase XXXX XXXX credit card via a link showing a XXXX bonus miles offer. The offer stated, " XXXX bonus miles after you spend {$3000.00} on purchases in the first 3 months your account is open ''. 

My application was approved on XX/XX/XXXX and I spent over {$3000.00} in the first billing period to qualify for the XXXX miles. 

On XX/XX/XXXX, I checked on the status of the bonus miles and found that the introductory email from Chase stated an incorrect offer of XXXX bonus miles and {$100.00} statement credit upon spending {$2000.00} in purchases. 

I contacted Chase customer service to confirm that I was in fact going to receive the XXXX bonus miles for my {$3000.00} in purchases, and they responded via message, " Unfortunately we would not be able to honor your request. The account does not qualify to make any changes to the rewards. We hope that you understand this decision is the same for all cardmembers. '' I contacted Chase customer service again to clarify that I was not seeking to change offers, but to have the correct XXXX miles offer reflected on my account. In other words, I was seeking to correctly receive an offer that I signed up for, not to change from an offer I signed up for to an offer that I did not sign up for. 

Chase customer service was unhelpful, even after I showed them the screenshot of the offer I clicked on ( attached ), and repeatedly stated that my account did not qualify for " changes ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I have an auto charge from XXXX XXXX which was {$6.00} a month. 

On XX/XX/2018 and XX/XX/2018 Barclay received {$6.00}, a total of {$13.00}. 

So, I had a credit of {$6.00} on my account. 

Now this credit disappeared on my next statement. I should have had a credit carryover.

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 2018-11-05 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have noticed an unauthorized hard inquiry on my report from Syncb National Credit Cards/Airlines and I have contacted the number several times, each time they direct me to either XXXX XXXX or XXXX. This did not show up on XXXX.

I am running in circles trying to figure out how to get this removed. When I called Syncb they claimed that they don't have any information on me, and that they don't own the account and it's an known error with XXXX XXXX so I have no idea why this is on my report. When I call XXXX they tell me to contact the creditor.

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