vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX bank is showing up on my credit report as a closed account that i am currently failing to pay, as if i still owe them a balance. They said that i was late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is impossible because they sold this account to lvnv funding back in XXXX and I paid the account off in XXXX. Therefore, it's impossible for any NEW lates to be reporting during time periods that fall AFTER they sold the account. They can only report any lates that i had BEFORE they sold the account and those are the only lates that are supposed to be on my credit report for 7 years Now my credit score has dropped significantly because it's appearing on my credit as NEW NEGATIVE information. I contacted XXXX, they were unwilling to help and said that it is out of their control. I sent them evidence and they still refuse to fix it and they pointed the finger at XXXX  XXXX. I called XXXX  XXXX and XXXX XXXX is saying they can't do anything to the account because it was sold to someone else. I told them, why can't they tell XXXX that because that alone is proof that i can't have any new lates in XXXX, XXXX or XXXX because they didn't own the account. They can only report on my credit what happened on the account during the time period that they owned the account and that stays on my credit for 7 years. They don't own the account, they can't report FTP ( failed to pay ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I want to see if I could negotiate my debt. I have an account from XXXX XXXX that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
NCB Management has called my place of employment after on the XXXX website I was ensured that my job would not be called for any reason. My phone rings 4 to 5 times per day with these people. If I dont answer they should just report the debt to my credit report. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I called the banking institution on XX/XX/19 to see why my account was negative. I spoke with a agent who stated it was because If a transaction totaling XXXX. He stated it hit my account at XXXX even though I used the XXXX service on XX/XX/19 when my direct deposit hit. The agent said he didnt know why the delay was but some merchants would take a few days. I said ok what will need to be done? He stated I could make a deposit before XXXX and I would not incur a fee. I did as instructed and my account was positive thinking that fixed the problem. I check my mobile banking today and saw a NSF which posted today, I called today XX/XX/19 and spoke with XXXX who went back and forth with me saying my account was not positive even after I stated what was said and that my account was positive. After going around and around I asked for a supervisor. He stated the supervisor was on another call and to hold on. He comes back to say the supervisor said he could do a partial of XXXX seeing as how I have gotten XXXX reversals this year. I only asked that the mistake on the banks or systems part be acknowledged because I did what I was supposed to do, in making the account positive. I was hung up on, and when I called back I got XXXX who did not want to tell me it was him, but I was eventually connected with a supervisor, the supervisor or whomever he was- stated I declined the partial and I said yes because it was not my fault and all I asked is for someone to take responsibility for the error. He tells me that I had gotten XXXX reversals well A LOT as he said, and there was nothing more that could be done. XXXX insulted my intelligence and then to be told that I had gotten a lot of reversals? To me this was unacceptable. I valued my relationship with BBVA but the experience today made me feel like XXXX. I have never had a issue with the bank and they had always made me feel like they cared in the times past whenever I had a issue. I told the supervisor I didnt want them to do it for me, all I asked is they they admit they made a error. The banking relationship is damaged at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/2019, after several conversations with Quicken Loans ( the holder of my current mortgage ) in which it was established that they did not a have a mortgage product with terms as good as my local credit union, my wife and I received yet another call from Quicken Loans from XXXX who presented herself as someone in the customer retention department who could review the rates and perhaps lower them to retain us as customers. We mentioned several times that we did not want her to run our credit unless she had a rate that was acceptable. After a lengthy conversation she indicated that ( subject to our credit score ) they would be able to offer a mortgage of {$720000.00} for 30 years at a fixed rate of 3.65 % with no points ( we had been offered the same mortgage at 3.5 % at our local credit union ). We decided that since it was such a small difference and we were already customers of Quicken Loans, we would allow her to run our credit and begin the process ( our credit scores were both above 800 ). She ran our credit within a half hour of that call and called us the next day to explain that because it as a " Jumbo '' mortgage, the best they could offer was 4.85 %. In other words, they never had a mortgage to offer us at the rate they indicated and they ran our credit under false pretenses ( everyone in the mortgage business should be aware that a mortgage above {$480000.00} is by definition a jumbo mortgage ). We requested that they remove the " inquiries '' from our respective credit bureaus, as they had not been honest. The next day we received a call from XXXX XXXX ( Sr resolution analyst ) and we explained the entire situation to her and she agreed to review the recordings and get back to us. She called on XX/XX/2019 and said that they would not be removing the inquiries from our credit bureau, as she heard us both authorize the inquiry on the recording. 
We authorized Quicken Loans to run our credit under the false pretense that they had the mortgage product we discussed at length to offer us ( subject to a credit score above 740 and obviously the property appraisal and the rest of the long list of requirements for a 30 year fixed rate mortgage ). This inquiry ( as all credit inquiries ) had the effect of lowering our credit score. In our particular case, there were no consequences as we have already been approved for the mortgage at our local credit union ( and they just lowered their rate to 3.375 % ). Had this been done to someone whose credit score was only marginal, it would cost them thousands of dollars in interest or perhaps prevented them from obtaining a mortgage from anyone other than Quicken Loans. 
I hope this practice is illegal, because it is most certainly unethical. My wife and I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Convergent Outsourcing has contacted me several times by phone and by mail. They have also tried to contact my elderly mother looking for me. 

In XX/XX/XXXX, my credit score declined dramatically due to Convergent putting a negative inquiry on my credit report with XXXX. This charge is for a XXXX bill that my ex-husband owes. This specific debt is cited in our divorce decree entered in XX/XX/XXXX as solely his. I disputed Convergent 's attempt to ruin my excellent credit score rating by going through their dispute process and sent a copy of the divorce decree. Per their process, XXXX has shared that information with Convergent. XXXX removed the item from my credit report finding that this debt does not belong to me. On XX/XX/XXXX, Convergent sent me a notice saying that they believe this debt is still valid.

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 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute XXXX XXXX CREDIT CARD HOL on my credit report. The balance listed on the account is incorrect. Please delete the account.

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 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.

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 2019-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inquiries in identity theft are not belong to me. I never applied for these company and banks. Please remove all of them as soon as possible.

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX i received a letter from Mr. Cooper Mortgage Company. I believe they changed their brand name, the company is known as Nationstar Mortgage LLC. The letter was to inform me that our mortgage was going to increase monthly by the amount of close to 3,000 dollars. The reason was because of an errant escrow payment they made of over {$27000.00} dollars to my local tax collector. I called to let them know of the obvious mistake and there was no one available to speak with. I mean literally someone on the phone told me there is no one to talk to about where these monies where spent and how a mistake could be made. I was told they'd look into and that was it. I'm still on the hook for a mortgage almost 3,000 dollars more than I usually pay every month. In 7-10 business days i would get a call back. But that's all they can do. They can provide no information on how the mistake was made and once the decision is made in 7-10 days they didn't have an answer to the next step if they don't make a change to the wildly incorrect amount or when the money would be returned. 

Further. When we purchased our home we put down less than 20 % so were required to pay PMI amount until 5 years had passed or we achieved a balance owed of less than 80 % borrowed. We achieved that. When called to have the PMI removed it was told to me that i had to pay to have our house appraised in the amount of 400 to 700 dollars ( then couldn't tell me how much ) to assure the house has maintained value.  That wasn't what we signed i kept the closing documents. She then told me on the phone that she was just going by a computer program not what our actual documents said. How does that even make sense? 

This isn't the only time we have had serious issues with this company but definitely the most recent. I would strongly encourage anyone to steer clear of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Date : XX/XX/19 Amount due : XXXX Navient Account Representitve : XXXX # XXXX I called in to speak with a representative to learn more about my options so I can come back to take my next steps before my deadline of XX/XX/19. The phone call immediately became hostile when I was threatened with an account closure and lawsuit if I didn't agree to the first set of terms they provided to me. 

I repeatedly asked him to not threatened me and my phone call was simply to collect information so I can get my accounting straightened out in order to make the proper payments. He also minimized and had 0 empathy towards my current financial situation to the point where I felt belittled. 
His whole agenda was to get me to agree to the 1st set of terms which I eventually did, however, I called back the next day and learned about a new set of terms which XXXX was reluctant to inform me on. XXXX withheld information from me that would have benefited my financial situation as a father of XXXX and XXXX in the XXXX XXXX who is underpaid, just to check off one of his boxes as a successful call. 

In the end, I agreed to the 2nd set of terms that another rep provided to me. I am truly disgusted with the customer service and lack of empathy and valuable information XXXX withheld. It caused me stress and fear that I couldn't feed my kids that very night because of the 1st set of terms I agreed upon. XXXX took this call very personal and was condescending during the whole call and lost all sight of his training. 

These tactics need to be reviewed and dealt with at a high level. No one should be treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: KY

Complaint narrative:
On or around XX/XX/XXXX, I planned to apply for the XXXX Gold card from American Express. I wanted to apply because of the advertised introductory offer. I am unsure of the details on that offer at this time because so much time has passed and the offer I was interested in has now expired. 

When filling out the pre-application information, I got a computer-generated message that said " Based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened or closed you are not eligible to receive this Welcome offer '' This was surprising to me because none of the reasons seemed to apply to me. I have never done a balance transfer, I have received one introductory offer and it was years ago with the XXXX American Express that started my business with American Express, I have never opened or closed an American Express account. 

When I tried to get the specific reason I was denied, no one could tell me the specific reason, only that it was one of the above mentioned reasons and that it was computer- generated and that no further information was available. I was told I could open a dispute to assist in resolving this issue and I did. I was also sent around to several departments including Customer Service, Marketing, Apply by Phone. 

On or around XX/XX/XXXX, I checked back in on the dispute and was told it could take 4-6 weeks but they had no further information. 

On XX/XX/XXXX, I began to check on my dispute and went to Americanexpress.com and initiated the chat feature. I believe my chat representative was XXXX. He/she informed me that my disputes had been resolved and I was still not eligible for the Welcome offer. I called and spoke to several people and got more frustration. It was suggested that I check for pre-approval and apply for the XXXX American Express Platinum card, which I did. The Apply-By-Phone representative told me that he got the message that I was not eligible for the Welcome offer. At this time, I asked to escalate the issue, I was transferred to a supervisor XXXX ( I believe this was his last name ). At this time, he told me what everyone else told me. He said that I was denied for one of the aforementioned ( but could not give any specifics XXXX reasons and that there is nothing else that can be done. 

My true frustration is that I think their IT decision-making algorithm is flawed and that I am being denied the Welcome offer due to erroneous information in some system and I want to know what information they are using to deny me the Welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Action Financial Services, LLC
State: NY

Complaint narrative:
I have been contacting Action Financial services since XX/XX/2019 about my account. In XXXX I spoke with Mr. XXXX XXXX and on XX/XX/2019 & XX/XX/2019 I spoke with Mr . XXXX XXXX. XXXX XXXX lied and said we never spoke but he was the person I faxed my 1040 form to. He admitted that his company made an error and I was reimbursed for the money they took from XXXX to XXXX and Mr . XXXX XXXX sent a letter to my job to stop the garnishments. Mr . XXXX XXXX did not put me into the repay program and they are still garnishing money out of my paycheck every month ; {$600.00} a month! I have sent my 1040 form that his been signed since XX/XX/2019 @ XXXX and I also have several fax confirmations of what was sent. Mr . XXXX XXXX has lied repeatedly saying he never spoke to me and I have proof that we spoke and that he did in-fact send the information to my HR Department. I have also spoken to Mr. XXXX XXXX and he too ignored my 1040 and still did not put me in the program. ON XX/XX/2019 I was on a three way with XXXX from XXXX XXXX XXXX XXXX XXXX. and I called Acton Financial services at XXXX and now the call goes straight to voicemail ; I spoke to XXXX XXXX on XX/XX/2019 and Mr. XXXX XXXX who hung up on me when I told him I re faxed my 1040 for the 50 th time. I also told Mr. XXXX that I reported his company and he hung up on me! I have repeatedly sent the information that they need and yet the keep garnishing my money.

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 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: NY

Complaint narrative:
on XX/XX/XXXX at XXXX XXXX, I went to a check cashing place to cash my paycheck and added {$500.00} from a {$600.00} paycheck to my pre- paid NetSpend Card. I used the card to purchase a one nights stay at a local hotel. The same night, I tried to use my card again at a local drug store ( XXXX XXXX XXXX but it was blocked. When I reached out to the company today XX/XX/XXXX at XXXX XXXX, they said my card was being restricted ( without any reason why ) and stated that I needed to provide a receipt from the check cashing place as well as my ID and Social Security Card. I told them that I had two of the three items they requested ( the receipt and drivers licences ), but I would have to apply for a social security card so that I could get my card re-activated and would not have any access to my money until then. Furthermore, my card being blocked in this way was a huge inconvenience as I would be without funds that I needed. I had at least {$410.00} on my card and I need it back. I do not want to use this pre-paid card service ever again if it is intended to cause these issues and inconveniences.

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr. Cooper Mortgage company has received all my payments since XX/XX/2019. On XXXX I received a notification that say I did not make my payment for XXXX. 
I contacted their costumer service and emailed them the copy of my electronic payment through XXXX  XXXX XXXX. They didn't clear the records so I called again and they request I mailed a copy of my bank XXXX statement as a prove of payment. I emailed and mailed the copy of my XXXX Bank statements showing my payments cleared. Since no changes in my balanced were shown I called again and then they request a copy of my XXXX statement to prove the payment was not returned or decline. I sent the copy of my XXXX statement that proves my payments for XXXX and XXXX had cleared the bank and had been cashed by Mr. Cooper Mortgage company. 
Then they say they need to make a phone call to the bank with me on the phone to prove the payments. I agree to this but the called has never been made by their representative. In the mean time I keep receiving mailing with late notice and no payment from Mr. Cooper company and threats to send my case to a collection agency. 
I have been in contact with their Escalation Specialist Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX, He has no been of any help. 
I dont know what else to do to protect my credit record. I have done nothing wrong. Help! 
You can contact me by phone or email if you need any documents.

Company response to consumer: Closed with explanation