vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-14 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: Conn's, Inc.
State: TX

Complaint narrative:
In XXXX of 2017 I went into the Conn 's store located at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I went in looking for an entertainment center for my living room. I found the one I wanted and was approved for it. I had it delivered to my house. It was delivered by a contracting company that Conn 's uses for its deliveries. The gentlemen began to put the entertainment center together, it was 3 separate pieces. Once it was put together we noticed that all 3 pieces were not going to fit on the wall in my living room. So I advised the guys to return the entertainment center. They packaged the pieces back together and put them back on the truck. When it was time for me to sign off on the delivery and acknowledge that I was returning the product the young man told me that his digital device was not working and that he would send confirmation once he got back to the warehouse. I called Conn 's to advise them of this as well and they said that would follow-up with the warehouse. On XX/XX/2017 I went inside of the store that I purchased the entertainment center from and spoke directly with the store manager. The store manager assured me the this would be taken care of and the purchase we be voided. On XX/XX/2017 I called Conn 's because I was still being charged for the entertainment center. I spoke with XXXX rep # XXXX and call confirmation # XXXX. XXXX stated that I would receive a call back from management within 72 hours and I never received a call back from anybody. I have been dealing with this every since. Multiple phones calls later this is still on my credit and I do not have the merchandise. This is the only negative account that is on my credit report and I want it removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I've contacted the original creditor XXXX and the Credit Collection Service and they can verify the debt has been paid back on XX/XX/2020. However, the Collection Service say 's that they will keep reporting to the credit bureaus weekly up to 30 days until it updates in there system. It has been over 30 days and they have reported this debt 3 days in a row to XXXX. I've called XXXX and XXXX has sent emails and notifications to stop reporting. I've called the collection service and they say there is nothing they can do. Even after my complaints they are still reporting to the credit bureaus that this is a collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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:
on XX/XX/XXXX Equifax reported from XXXX XXXXXXXX XXXX stating the following : ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : > 119 days or > 4 paymnts past due BALANCE : USD {$0.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX What does it mean? 
We monitor your credit report ( s ) and alert you when new credit activity is detected. If you do not recognize the activity, the alert could signal potential fraud. 

What should I do? 
Review the date and alert details carefully. If you recognize the activity, theres nothing you need to do. If the activity is unfamiliar, we recommend checking your credit report and score for other unexpected changes. Call us if you dont recognize the activity. 

This while stating my home was sold on XXXX this account is closed as well as the following HELOC against my home is also closed!! : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

FLAG THIS ALERT ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : XXXX XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX Both of these accounts are said by XXXX XXXX XXXXXXXX XXXX, XXXX  to be close as to be against my ONE home supposedly sold on XXXX. Both of these accounts are supposed to be CLOSED BUT INSTEAD THE ACCOUNT NUMBERS HAVE BEEN SWITCHED AROUND TO LOOK LIKE THEY ARE STILL OPEN. THIS IS FRAUD!!! but this illegal false information is being posted on my credit bureau reports. This needs to be reported to the IRS for many crimes by XXXX XXXX XXXX XXXX XXXX 
This was an ILLEGAL auction with the use of falsified forged mortgage And promissory note documents. There are NO required original documents needed to Legally foreclose but XXXX XXXX XXXX XXXX XXXX refuses to follow the laws required to be legal and now are trying to commit tax evasion and money laundering by hiding what they are doing with these fake reports. This information is NOT in litigation as it occurred AFTER the litigation was filed and ONLY that which was involved in that filing is applicable in the present Appeals case. Nothing since then including this compliant information is in litigation. NONE of this is in litigation!! This was NOT a Legal valid foreclosure sale only a scam to terrorize me out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

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 2020-02-14 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: MD

Complaint narrative:
I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 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: MD

Complaint narrative:
I hired XXXX XXXX to act on my behalf to submit an application of Forbearance with XXXX XXXX. 
I was told that there was a mix-up with my social security number and that XXXX XXXX was responsible for the mistake. 
I was instructed that the mistake would be corrected and NOT to make any payments. Any negative activity would be deleted once the social security number was corrected. 

I have tried several times to have this 90 day late remark removed from my credit reports, but XXXX XXXX refuses to do so. 

I have been denied credit because of this mistake which was no fault of my own.

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 2020-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
What information did you send to the creditors and what did they send back? The reason I know you are not properly doing investigation is due to the fact that you are typing in the comment fields acting like you did an investigation that is the wrong spot should be listed in the correct spot on the credit report I have submitted factual proof that you are not doing your job and most importantly follow the law either you remove these account or I will file a federal lawsuit and sue you for what Im entitled too. Im in need of a car and I will he applying for credit in the next 5 days after speaking to attorney about this first thing they ask did you apply for credit brings in more money and you almost immediately win your case but you need to follow the law and do what you are expected to do. And obey the law but you will soon find out very very soon Why dont you send me the information that was sent by your company and what the creditor sent you?? Maybe their was nothing sent could that be?? 
Send this information last time asking for it XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Western Benefits Group, LLC
State: MD

Complaint narrative:
WESTERN BENEFITS WAS HIRED ON MY BEHALF TO PROCESS A FORBEARANCE WITH XXXX XXXX. 

I WAS NOTIFIED BY WESTERN BENEFITS THAT AN INCORRECT SOCIAL SECURITY NUMBER HAD BEEN SUBMITTED, ( NOT BY MYSELF ) AND THAT IT WAS SMALL PROBLEM THAT WOULD BE FIXED QUICKLY AND NOT TO MAKE ANY PAYMENTS TO XXXX XXXX. 

I FOLLOWED THEIR INSTRUCTIONS. NO APPLICATION WAS SUBMITTED ON MY BELF. MY ACCOUNT WAS 90 DAYS LATE AND I AM UNABLE TO HAVE THAT NEGATIVE REMARK REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hi, After a lengthy conversation with another PHH representative this week. I was informed that my new case manager XXXX ( United States based/English Speaking ) would be giving me a call today to share findings, negotiate a solution and clarify issues. 

No one called me .... 

I am concerned that this matter is not being taken seriously, I have never spoken to the same representative twice. 

XXXX, the original case-manager is highly negligent, profoundly unavailable and has trouble conveying any real answers. I get constantly told each week there will be a solution. 

What kind of company sends out letters threatening foreclosure as a scare tactic and doesn't follow up with their clients. I have a call log of nearly 300 phone calls to PHH. 

I highly recommend that you close your off-shore call center and provide clients with representatives that are not only invested in support US clients but have the skills set, linguistic and cultural competence, respect, compassion for their clients served. 

Please address immediately- there have been not results from this. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a capital one account that advertised no interest for 18 months. The billing statement indicated no interest charge for XX/XX/2020 and I proceeded to pay off the account but was still charged XXXX interest without being notified that I would be charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
I opened a checking account with Union Bank on XX/XX/XXXX, using a promotional brochure promising to deposit {$200.00} into my account 100 days ( after date of opening account ) if I had a direct deposit ( of {$500.00} or more ) within 60 days of opening the account. My direct deposit ( monthly Social Security payment ) when through on XX/XX/XXXX -- and again on XX/XX/XXXX and XX/XX/XXXX. My account is current and in good standing. I have had no overdrafts. 
I have been assured that I have met the criteria to receive the {$200.00}, but I have not received it. It should have been in my account on XX/XX/XXXX. No one at the bank can tell me when it will be deposited. This situation violates the terms of the promotional agreement.

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 monetary relief
Consumer complaint received 2020-02-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
I requested a 3 month forbearance in XX/XX/XXXX ). At this time, my loan payment was {$190.00} each month. The forbearance was approved and I was provided with a letter " to advise you of the conditions under which a forbearance may be granted. '' The letter states that I may have to pay interest that accrues. As such, I paid the interest payment on XX/XX/XXXX of {$29.00}. When the forbearance ended my " repayment term '' had been changed, without my knowledge or consent, therefore increasing my new monthly payment to {$300.00}. I called AES ( XX/XX/XXXX ) to inquire and first I was told the payments increased due to capitalized interest. When I explained that I did pay the interest, the representative then told me that my loan requires a payoff by a certain date so now my payments will be more since I took a break ( forbearance ) for 3 months. I protested and insisted that at NO time was I aware nor did I agree to those terms. She told me that I would need to see the master promissory note ( MPN ) that I signed in XX/XX/XXXX. I requested a copy of the note and she told me that she submitted a request to have a copy sent to my home-it was not readily accessible for me to view. In the meantime, she told me there is absolutely nothing that can be done and my credit will be negatively affected if I do not pay the full monthly amount. 

First, the MPN is not easily accessible as demonstrated by her response! Second, I should have been directed to these terms in XX/XX/XXXX when I requested the forbearance so that I could review any hidden terms-such as this. I have the " terms '' of my forbearance, sent by AES, dated XX/XX/XXXX. This document does not refer me to a MPN nor does it state may repayment term may/will be changed. It only addresses the possibility of accrued interest. 

I believe that I have been grossly misled. I can not afford this increased payment, and fully expected to resume my usual {$190.00} payments. No one explained verbally, or sent terms explaining my repayment term would change with a forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
This letter is regarding account # XXXX, which you claim I owe {$150.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have accepted a settlement agreement with XXXXXXXX XXXX XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with Sequium including trying to collect the wrong amount from my account. -- This happened multiple times.

I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ).

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED.

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time.

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Good afternoon, I wanted to write to you because in truth what is happening to me seems super unfair. A year ago, my monthly payments were too high and interest too. I called Chase Bank to help me. they told me that my only option was to close the account so that the minimum payment was lower. 
I repeated myself multiple times to the representative and this person confirmed to me that the {$90.00} will be deducted from debt with no extra fees. I closed my account that day. I have been paying my {$90.00} dollars every month on the XXXX for months now and when I can pay a little bit more I usually do. 
I started to notice how my debt was not changing much and I decided to compare all my statements. To my surprise I was been charged a 12 % interest. I called chase and talked to 5 different departments and nobody was able to assist me. I was provided with wrong information and the representative didnt explained anything. I realize now that I should have kept credit card open and try to pay it off. This affected my credit and how am I supposed to trust Chase again? 
Chase doesnt even want to knowledge me or even try to help me. I asked for the recording of the convention via phone to be provided to me and nothing has been done. There is a lack of transparency and there was not guidance. I want to pay off my debt, but they are making it impossible for me with these fees and I honestly just dont even want to deal with them. This is unfair and more when I just want thats all.

Company response to consumer: Closed with explanation