vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$1400.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote a letter and mailed it certified delivery to XXXX XXXX XXXX and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry.

I received no response so I wrote a second letter and mailed it by certified delivery on XX/XX/XXXX.

I received no response so I wrote a third letter and mailed it by certified delivery on XX/XX/XXXX. It is now ( 7 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX XXXX   this company is in violation, they are out of compliance.

Under advise, I wish to informed XXXX XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX/Shell Point Mortgage acquired my mortgage from capital one. I'm currently below 80 % loan to value, meaning PMI should be removed from my loan. XXXX XXXX told me that my loan needed to be below 75 % LVT, which it is not, to remove PMI even though I have original loan docs stating 80 % LTV was the threshold. Once XXXX XXXX admitted they were wrong, an appraisal was ordered. When the appraiser called the fee was {$650.00}, which is more than double the going rate according to 9 different appraisers I contacted. on XX/XX/2018 XXXX XXXX wrote me another letter stating that in compliance with the Homeowners Protection Act, they would order a Brokers opinion of value, which would cost much less ( aprox {$300.00} ). On XX/XX/XXXX I was contacted by another appraisal company wanting to charge me {$540.00} for a full appraisal, which is not what was supposed to be ordered. I called XXXX XXXX and spoke with XXXX XXXX and was told, under the advice of her supervisor XXXX XXXX, that a full appraisal is required, no exceptions. Once I informed them of the letter I received in XX/XX/18, the story changed. I was then told at aprox. XXXX CST that a person from the PMI department named XXXX  , who supposedly issued the XX/XX/18 letter, would be contacting me within one half hour. It is now XXXX CST and I have received no such call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I applied for Gold Delta SkyMiles from Amex credit card in XX/XX/XXXX through a promotion link when booking flight tickets through third-party flight booking websites. When you clicked the link to apply, the flight ticket price shown went down.

After having the card, I spoke with the customer services several times about my welcome offer, including miles earned by {$1000.00} purchase and {$200.00} credit earned by purchasing from XXXX  web directly within the three months. The customer services listed out in details that how I will get my welcome offer.

When making my international traveling plan, I intentionally book a flight from XXXX   even though there're quite a few faster and cheaper choices. But I want to collect my welcome offer anyway.

However, a few weeks after I purchased my ticket, I still didn't see the {$200.00} credit statement from AMEX account. So I spoke to customer services. After almost an hour repeating the same words to two different people, I got the answer that the cheaper flight from third-party website is already using the {$200.00} credit statement. It is very ridiculous because I already purchased a non-refundable flight ticket for that.

This is very misleading and potentially shows that AMEX is not in good faith! Firstly, they didn't mention anything that I already collected the welcome offer during the multiple times I spoke with customer services, and argued that they didn't see my statement posted at that time. Secondly, in the benefits listed on the web, the purchase must be from XXXX or XXXX XXXX etc. How can I tell the purchase from third-party web even with no XXXX name on the statement count? 'm very disappointed and their communication is very misleading to persuade you to purchase more from their partners.

When I try to file a complaint, the customer services just gave me a mail address for general inquiry and refused to file a complaint for me or providing any email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I disputed the {$630.00} debt with CMRE, and they ended up putting another {$200.00} debt on the report. As I had anticipated after filing a dispute they admitted the {$200.00} debt was past the statute and removed it but didnt remove the {$600.00} debt.

CMRE is stating that the validation letter i had sent them as my dispute had incorrect account number, however, the account number was from my credit report, Attached is the screenshot of my XXXX credit report with correct account number.

CMRE is in violation of the FCRA and the California Credit Reporting Act, as they have failed to mark the account as disputed. This is my final warning as I will proceed to file suit for this and seeking damages, if CMRE does not remove the remaining account from the credit report.

Attached herewith : 2. SC-100 form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2018, request wire transfer XX/XX/2018, amount {$50000.00} and {$30.00} fee were deducted from saving account. 
XX/XX/2018, asked for recall XX/XX/2018, beneficiary bank has not received the fund or recall request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
My mortgage is with PHH Mortgage, serviced by mortgagequestions.com.

I have been paying PMI since the loan originated, but last year applied to have PMI removed. I paid their fee for their appraiser to come out and appraise the current value of my home. Their appraiser stated the value at just under the value that was needed to remove PMI on the loan.

In XX/XX/2018, I had another appraisal done to try to refinance the house. The appraised value came in higher than the value needed too remove PMI last year, so, once the refinance failed ( due to a separate issue with divorce ) I contacted PHH/mortgagequestions.com to start the process to remove PMI from the stated value from the appraisal. I have contacted them several times. More than 1 week after each contact ( their autoresponder to email states I'll get a response in 24 hours ), I get a response to my request that they will send out a letter outlining requirements within 7-10 days. I've been trying for a month now and I have not gotten this letter, nor have they responded with a reason as to why they're delaying responses.

Their delay in removing PMI and their appraisal last year feels deliberate in an attempt for them to continue collecting that fee even in light of the requirements for removing its having been met.

Additionally, I have my mortgage payments set for 2 equal payments each month. The first payment is always the requested payment, the second payment of the month is always higher than requested with no explanation as to why. Additionally, my account statements never reflect the additional amount that has been taken from my checking account for payment nor what the additional amounts were used for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: BMW Financial Services NA, LLC
State: MO

Complaint narrative:
On XX/XX/2018 BMW Financial Services reported to XXXX  that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I noticed a recurring charge on my XXXX 's account every month after purchasing furniture from their store.I believed it to be interest, but realized that the furniture I purchased was supposed to be interest free for 12 and 24 months. I called the XXXX hotline and was told that I had to call the XXXX XXXX XXXX as it was not affiliated with their company. How is a company not affiliated able to charge a recurring fee of {$15.00} since XX/XX/XXXX on MY XXXX account. I did not consent to this. I was not informed of this. On XX/XX/XXXX, I called XXXX XXXX XXXX ( XXXX XXXX ) at XXXX. I was informed they would cancel my account with them, they would stop charging their fee, they would file a request for refund to their " resolution department '', and I would receive a letter within 30 days. Thirty days passed and I did not receive any letter. I called again on XX/XX/XXXX and was told they would send an escalation letter to their " resolution department '' and I would receive another letter within 30 days. I asked to speak to a manager who informed me that their resolution department could only be reached internally and that this department did not have a contact number nor contact address. I am sure thousands of people are currently being scammed by this program and am shocked XXXX would allow this to occur. I am considering filing a lawsuit.

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 2018-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2018 went to Chase Branch executed check claim for {$100000.00} tendered to XXXX and my public adjuster XXXX. I was advised the claim check was going to be deposited into my account in 2 days. 

On the XX/XX/XXXX the funds was cleared and on the XX/XX/2018 I  discovered my funds was debited from my account without my permission. 

On the XX/XX/2018 I received a suspicious call from a 5 digit number unrecognized twice and answered. 

A young lady said she was from Chase claim department and my money was taken back out of my account. 

I inform the individual that I was advised before signing over the funds to Chase that the funds would be deposited into my account in two business days and that I had outstanding checks out their and needed to take care of my business. 

I informed Chase I did not authorized anyone to go into my checking account only to make the deposit at the branch downtown on XXXX XXXX XXXX XXXX Il Now Chase also took all of my money I had prior and after the deposit of {$100000.00} in the amount of {$3100.00} that since XX/XX/2018 and that money was stolen from me by Chase and have a overdraft fee too. 

I told the Chase rep XXXX that I was not paying off my {$33000.00} mortgage and they said I did not have too. 

I was told the entire {$100000.00} would clear in two days and I directed the funds to be deposited into my acct that I gave to XXXX. 

Now I contacted the Chase and my money is still not in my account and I dont trust them because they took my money out of my account with my permission. 

I informed them onXX/XX/2018 I had outstanding checks and instead my money was stolen from me and I was scammed in endorsing the check and have bounce checks and fees. 

I dont trust Chase anymore because they are going to get me into alot of trouble bad credit and killed taking my money out of my account. 

I am very disappointed with this kind of behavior and conduct. Now I have {$80.00} in my account can not take care of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: MD

Complaint narrative:
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and 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 2018-08-01 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: MD

Complaint narrative:
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is reflecting 30 day late payments on my account for XX/XX/2018, XX/XX/2018 and XX/XX/2018. My payment due date falls on the XXXX of every month and in accordance with the attached payment history, all payments were made within less than 30 days of the due date. 

Payments dates are as follows ( see attached doc ) : XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 XXXX : XX/XX/2018 I spoke with representatives with XXXX XXXX and they indicated they could not correct their error and that I needed to dispute with the credit bureaus. I believe this an unacceptable practice by XXXX XXXX. As a credit, they are required to report accurate information to the three credit bureaus in accordance with the XXXX XXXX and 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 2018-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Beginning XX/XX/XXXX, I entered into a re-payment plan with my mortgage company, Carrington Mortgage. I was having some trouble making the full payment amount. I contacted Carrington MS right away  and explain to them that I needed some extra time to come up with XX/XX/XXXX payment. After speaking to them i was put on a re-payment plan. The repayment plan allowed me to divide XX/XX/XXXX payment out over the next 3 months payments. Instead of paying the regular payment for XX/XX/XXXX I paid that as well as a additional {$570.00}. As the next month approached, I realized that I could not make the regular payment of {$1400.00} as well as the additional {$570.00}. I called CMS back and discussed what my options were, I knew I could not afford to pay that- though I dearly wanted to just put this all behind me. After speaking to CMS it was arranged that I would make a payment for XX/XX/XXXX for {$1400.00}, a payment for XX/XX/XXXX of {$2200.00}, and in XX/XX/XXXX for {$2000.00}, and would go back to my regular payment in XX/XX/XXXX. Which I did. After looking at my credit report at the beginning of XX/XX/XXXX I noticed that CMS had reported from XX/XX/XXXX-XX/XX/XXXX and was reflecting a 59 day late which plummeted my FICO score. I sent a certified letter and requested that they fix the error, my letter was received and CMS removed it from my credit reports. 

In XX/XX/XXXX my wife and I decided that we would take out a HELOC to make upgrades to our home and pay some debt off since the market was booming and home values were sky-rocketing. After having our credit checked it was made clear to us that Carrington MS had yet again made another mistake and had once again reported to the credit bureau a 30 day late for XX/XX/XXXX. I again sent them a certified letter ( that is the only way you are allowed to dispute ) asking them to remove their error. 

I received news today that they are denying my request to correct the mistake. I have all my bank details to show that there was not late payment in XX/XX/XXXX. The funds were drafted from my account on XX/XX/XXXX and on XX/XX/XXXX for a total payment amount of {$3000.00}. I have requested repeatedly to please send me a allocation of their payments with no avail. 

In the state of Georgia, from XX/XX/XXXX to XX/XX/XXXX all counties were considered disaster relief areas from hurricane Irma. I was assured by the customer service representative that I spoke to that it would not be an issue to correct the report due to the disaster relief area- if nothing else. I have been lied to and drug through the ringer with CMS. I have spent countless hours preparing letters and inquires to CMS. 

There has been no clear understanding with Carrington MS since day number one. I simply want the mistake corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX reported to Experian that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.

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 2018-08-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect.

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 2018-08-01 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
From XX/XX/2014 through XX/XX/2014, XXXX/Navient is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01 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: CA

Complaint narrative:
I was trying to apply for a mortgage loan and discovered a fraudulent account with XXXX XXXX XXXX XXXX XXXX account no : XXXX XXXX in my credit report. I filed a police report with XXXX Police Department on XX/XX/2017 XXXX police report no : XXXX ) regarding this fraudulent account and submitted that document to the credit bureaus and XXXX XXXX. The credit bureaus blocked and removed fraudulent account from my credit reports. But recently, I checked my credit report and found out that Experian reinserted the fraudulent account back to my credit report. I contacted with Experian credit reporting agency but they refused to help me to delete fraudulently opened car loan from my credit report.

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