vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Following advice that it is now possible to put a freeze on my credit report with all credit reporting companies, I tried to do this with Experian on XX/XX/2018, but although I gave them all the information they needed and checked it for completeness and accuracy, they are putting me through hoops by refusing to comply and requesting that I send them any amount of additional information through the mail. I thought putting a freeze on credit reports was now supposed to be easy.

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 2018-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I was wrongfully foreclosed on by Carrington mortgage services and XXXX, XXXX XXXX XXXX XXXX and suffered physical and emotional damage as I was being evicted from my home in 3 days by the purchaser of my home at the county auction in XX/XX/2018. I did not pursue legal action and I was forced to reapply for a loan modification. I sent my mortgage application in but was denied on XX/XX/2018 due to not having a complete package in because of a hardship causing me to be delaying in submitting additional documents. So I in turn sent in a complete package which they acknowledged when I spoke to them on XX/XX/18 to XXXX. I spoke them on XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 several times. It wasnt until XX/XX/18 that anyone stated Carrington had to have deemed the package complete by XX/XX/18 or they would close my review. I have confirmed on XX/XX/18 that they had the additional documents meeting the deadline of the missing documents letter. Each representative assured me as soon as the package is complete the foreclosure sale date of XX/XX/18 would be postponed. The notice Carrington gave me on XX/XX/18 stating the sale date was XX/XX/18 is in error and even up to XX/XX/18 I was told by Carrington the sale is XX/XX/18 thereby stating I was within 7 days of the sale date which in fact I was not. The sale date on the legal notices is the first Tuesday of XX/XX/2018 which is XX/XX/18. On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 none of these representatives indicated one time that I was near a deadline but rather encouraged me that once my package was complete they would postpone the sale. I demand the foreclosure sale of XX/XX/18 be set aside to address these discrepancies in the mortgage loan servicing of my FHA back loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I reached out to XXXX XXXX via certified mail requesting validation of debt on XX/XX/2018. I received no response from XXXX. I waited 30 days and sent out a failure to respond letter via certified mail. I still have not heard back from XXXX and they have not provided any validation the debt is mine. 

I do not owe this debt. Please provide the following to prove this is my debt : 1 : Please provide the original contract with my signature.

2 : Provide proof that you were hired/allowed by original creditor to collect on this alleged debt.

3 : Provide proof that XXXX is allowed to collect in the state of Louisiana. 

4 : How are you validating this debt is mine? I reached out to the original creditor to request a signed contract and they stated they don't have that kind of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 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: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
This is the third complaint I have submitted regarding this issue. Associated Bank doesn't seem to understand the exact nature of my complaint so I will do my best to be as clear as possible. The bank is reporting a closed, paid-in full account as CURRENTLY 30-59 days late. The account was paid in full and closed in XXXX, which was six months ahead of its full term. Associated Bank seems to think I am disputing when the last payment was made but I am not. I'm not sure how I can be more clear. What I am requesting is that this account 's CURRENT PAYMENT STATUS please reflect that the account is not CURRENTLY past-due. The account is being reported this way to XXXX and XXXX. I spoke with representatives from both agencies who confirmed that the CURRENT STATUS for this account is being reported as 30-59 days late. I also request Associated Bank to respond with full details on this account, including the date of the last payment, current payment status, balance, term dates, date opened, date closed. By providing this information Associated Bank will be providing their own proof that this account is closed and not currently past due. It can not be paid in full and currently 30-59 days late at the same time. Attached is the canceled check of my last and final payment for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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: MA

Complaint narrative:
On XX/XX/18, I test drove a car at XXXX XXXX in XXXX, MA. Without my permission, they ran a hard inquiry hit on my credit. They ran it 6-7 more times on Monday, XX/XX/18. I did not give them verbal or written permission to do so. They are also being investigated by DA office for unfair and deceptive practices. They said I couldn't buy a used car from them if I didn't use their financing at a higher rate than the financing I had through XXXX. They are breaking the law on both counts. 

When I called XXXX XXXX, the Sales General Manager ( the one responsible for all of this ), he said he can do whatever, however he liked, and run his business any way he wants, even after being informed that these things were illegal. 

The hard inquiry hits to my credit has brought down my score and jeopardized my ability to get competitive financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VI

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 As you know I live in XXXX XXXX, XXXX. In XX/XX/2017 we had two devastating hurricanes Irma and Maria. Because of these hurricanes our power, internet and postal service was down for almost a month. I had no way to make the payment on time and this is why it was reported 30 days late. As you can see, I have always made my payments on time except this one time. I kindly ask that you remove this late payment from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid my XXXXXXXX XXXX XXXX credit card with XXXX XXXX balance in full and on the due date. I never looked at my account since I owed nothing. Apparently this company went ahead and charged me a late fee anyway. When I realized that they had done this I immediately contacted them and disputed the late fee. They gave me credit for the late fee but continued to charge me late fees for not paying the disputed late fee. I contacted them and told them that the balance was paid in full on the due date and I was not paying the false late fees. I also asked that my account be closed. They have continued to harass me via email, mail and phone and I have repeatedly asked that they stop all communication. I try to block the number but they just call from another number or occasionally call from a number that is identified only as unknown. Just yesterday ( XX/XX/18 ) a Mr. XXXX or Mr. XXXX left me a very threatening voicemail at my home. I want this company to stop harassing me over money that I do not owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
This relates to HSBC 's Premier Credit card. I paid the credit card using the telephone service provided by the bank and then the bank froze the card ostensibly to verify that I was the one who paid. I waited hours for the call center to pick up my call over a period of days. finally, i got someone, the card was unfrozen.

I then spoke to someone in customer support who helped me make a request to transfer a balance from another credit card to the HSBC card. Minutes later the card was frozen to verify that I had made this request which is ridiculous as the employee from customer support had already verified my identity. I have been on hold with the call center for hours over a period of two days so far and no one picks up, and both my request and credit card are frozen. 

The bank takes arbitrary actions that prevent me from using the card and then there is no one to speak to rectify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I noticed several collections on my credit from XXXX XXXX. They duplicated the debt as well. I have insurance and paid my deductible. I sent a request to XXXX XXXX to validate this debt. They never sent me anything, yet they continue to report collections that I don't owe on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am trying to seek a monthly billing reduction from Navient Student Loans. I have trouble paying the {$1100.00} monthly payments and was informed by a supervisor ( XXXX, XXXX, on XX/XX/2018 at XXXX XXXX ) that my parents ( retired, XXXX y/o, limited income ) are financially liable to help because they cosigned on loans 10 years ago for my XXXX degree. Additionally, I have been labeled " delinquent '' because a customer service representative ( XXXX XXXX on XX/XX/2018 ) told me to not pay until well after the XX/XX/XXXX because I was on " administrative forbearance. '' My payment is initiated for XX/XX/XXXX ( confirmation # XXXX ) and as a result, I was told by XXXX today ( XX/XX/XXXX ) that I can not even speak to Customer Service because of this. Additionally, I was told by XXXX ( XX/XX/2018 ) that my parents could be released as cosigners and informed today by supervisor XXXX that it not even an option because I'm considered " delinquent. '' He also said that department does not even exist. XXXX assured me they would review the phone conversation tapes and investigate internally, however stated I am responsible to pay Navient {$1100.00} monthly, which will likely increase because the interest rates are variable. I have never been more angry at myself for seeking an education as I am now struggling financially because I chose to go to school. 

I have done my best to " trim my finances '' and no longer go out to concerts or movies with friends, I cut my own hair and no longer make purchases on my XXXX XXXX XXXX XXXX credit card ( the only one I have ). My vehicle has been paid off for several years and I paid it early and never missed a payment to XXXX XXXX XXXX XXXX. I want to be a homeowner someday or purchase a newer vehicle, but those, at this point, are just dreams because my student loans require the largest portion of my income. I have moved up professionally and always am trying to stay positive, help others and address my responsibilities. 

I just want help lowering my payments to Navient and removing my wonderful, kind-hearted parents as cosigners. These loans, although they cosigned, are my own and I will do what I can to make Navient whole again and no longer be under their umbrella.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 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:
On XX/XX/2018 I submitted to company for validation not verification of debt according to the Fair Debt Collection Practices Act. They have reported negatively to all three credit agencies.I asked them to provide me with their license number, agent of service and that they are licensed to collect in my state. I also asked for a copy of any signed agreement that I have made with this Collection Agency or other verifiable proof that I have a contractual obligation to pay Collection Agency according to the FDCPA.

They did not provide me this information, but instead sent a bill that is not even in my name. I paid the final bill and turned in the equipment, I lived in an apartment complex at the time I had service, which means that they have multiple accounts in one given unit. 
I left the residence and XXXX turned on service under the other 's name without properly closing out the account under my name. 
I am going through divorce issues, but that is no reason this is something this collection agency is going after me instead of the name on the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On or around XX/XX/2018, I contacted the Chase Bank customer service number regarding fees on my checking account. My concern was escalated to a supervisor that ultimately resolved my concern by agreeing to refund me {$280.00}. After only seeing {$48.00} refunded, I contacted customer service again. I spoke to several individuals with no resolution. They said a supervisor would contact me, but no one did. I tried several other ways to contact them via email and responding to their call survey but still never received a response. I stopped by my local branch and spoke to someone that then spoke to the branch manager, and finally said they had to pass the issue to the Branch Complaints Escalation Group. XXXX with that group said she would offer me an additional {$48.00} refund. Her supervisor, XXXX, also said the final amount being offered would be {$48.00}. He refused to let me speak to anyone else regarding my concern. I find it unacceptable that I was told I would receive {$280.00} but am now only being offered {$96.00}. Everyone I spoke to has confirmed I indeed was told I would receive the full {$280.00}, but everyone now says they have no authority to refund what I was promised. A company should have the integrity to stand behind their offer to resolve a customer 's concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of 2018 I opened an American Express Delta card after receiving an offer for XXXX miles. Since Amex has rules about the bonus I asked two reps over chat if I were eligible and both said yes ( I will attach screenshots. ) Based on this information I got the card ( lowering my credit score ), met the needed spend ( that Amex would not have gotten ) and never received the bonus miles. I asked about this and Amex opened an investigation. When I called a supervisor told me : - First that I had the card before ( I said I asked two chat agents ) - Then he told me I didn't meet the spend requirement ( but after some math, he saw I did ) - And finally that Amex just decided not to give me the bonus. He also said that what the reps told me is meaningless and offered nothing. 

He clearly had no idea. I don't understand how they can decide AFTER I get the card and AFTER I specifically asked their employees in writing if I was eligible to not honor the offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
A gentleman just called me, for the fourth time in 24 hours, and told me he was Mr. XXXX calling from a law firm in an attempt to settle my debt with XXXX XXXX before a summons was sent out this Friday against me. That I would be charged with the legal fees as well. I told him I had received no such bill or any correspondence to this matter and he stated that he sent it to two addresses easily taken from my background check that he already stated he did on me, and had " assumed '' I received them. I asked him to send it again, certified mail, so we both know for a fact it was recieved. He said that was not possible. I told him I will be happy to contact my lawyer to sort it out after receiving an invoice or any proof and making sure it was a legitimate issue that had not been resolved. He stated he will put that in my file and let the company know.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation