vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
Ive made payment starting XX/XX/XXXX I paid XXXX and make check payments of XXXX on the XXXX of every month until XX/XX/XXXX of XXXX total, I also have paid XXXX my Previous phone company has paid to them. now I owe says XXXX is now owed. so today I get an email that says I owe XXXX and also say two different amounts says as a friendly reminder they will take out XXXX is scheduled for XX/XX/2019 so I called and ask if they can work with me one Representative said to call her back her name is XXXX XXXX XXXX to make payment arrangements so I called back and I got somebody else she told me I need to make the payment today or is going to my collection the full payment of {$510.00} so I told her I would call her back and she said shell be there at XXXX XXXX XXXX I called for the third Time and I got a man on the phone he says I need to make the payment today or its going to collections I cant make payment arrangements and needs to be {$510.00} so I told him the information I got needs to change the wording in my email showing that the only payment thats coming out is XXXX two different amounts are on my e mail they cant find this e mail they e mail they just keep saying I need to make this amount of XXXX Im willing to make a payment arrangement but theyre not willing to cooperate with me they keep giving me the run around I asked for a supervisor He tells me theres no supervisor visor available he also told me the prior women I talk to the two times Ive called or not available so Im not getting any information I need to work so I can for long my payment arrangement Im I just sold a home I just need a couple more weeks to make the full payment and theyre not willing to work with me I need them to reassure me that I making a payment of {$510.00} not any money taken out of my account on XXXX XXXX of {$630.00} thats with the paperwork since they need to fix this paperwork so I can make a proper payment Ive been making payments why cant they work with me Ive never made a late payment to these people the company is called GC service limited partnership my GC number XXXX I just cant pay XXXX today Ive been honest with them my house is being sold I can pay them just need the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Home equity and VA loan application. 
2019 XXXX XXXX XXXX, d/b/a XXXX XXXX. XXXX XXXX is a registered service mark of XXXX XXXX XXXX. 

XXXX credit score Please investigate XXXX XXXX, XXXX, Experian, and XXXX ; additionally I could not get access to any of these companies today online, Why? I would like to write a complaint and protest dispute on each reporting credit company. Why, no access online today for my written disputes? 

XXXX credit score XXXX, seem to be collusion with XXXX XXXX, XXXX  XXXX, and Experian XXXX. I just paid down all my debt credit cards, XXXX XXXX, and my scores were ridiculously low. 

Access to dispute credit scores and to stop inappropriate collusion of credit reporting agencies! No online access today XX/XX/2019 Again, please investigate all four credit agencies and their practices or malpractices. Why did the three credit agencies develop XXXX in the first place? 

Age discrimination, possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Late last year ( XXXX ) I applied for an American Express Card. American Express denied my application ( Ref # XXXX ). The denial did not make sense to me because I had worked hard, over 10 years to fix my credit. 

In XXXX, I was forced to file for bankruptcy. Before filing I contacted American Express because I had 2 credit accounts with them and I wanted to keep them. I told them that due to my mortgage payment more than doubling and the economy crashing, it was the only way I knew ( at that time ) to save my house. American Express told me that if I filed for bankruptcy that they would close out my accounts. 

Fast forward 10 years later after struggling, paying more than most for credit, being denied by most, I managed my credit scores to " Good '' status. The bankruptcy came off my credit reports so I applied for An American Express card. The application was denied and they cited the previous accounts as the reason why. 

I wrote a letter disputing their decision, explaining that I though it was illegal to use accounts that were part of a U.S. Bankruptcy case. The letter was never replied to. When I called them to check the status, I was told that American Express keeps their own records and that they can use the information to approve or deny credit to anyone. 

So my dispute is more of a question along with ( what I believe to be ) a reasonable demand. The question is : Can they really deny me credit if I otherwise qualify? If they can, then at the very least, they should remove all the credit inquiries from the credit bureaus. Since their sole reason to deny me is based on internal records. They never needed pull my credit report. 

I am enclosing a copy of the letter I sent American Express. Please note that this copy has some grammatical revisions but otherwise the same. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: FL

Complaint narrative:
RAUCH- MILLIKEN INTERNATIONAL , ONC IS TRYING TO COLLECT ON A DENT I DO NOT OWE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: PA

Complaint narrative:
I defaulted on student loan serviced by AES from XX/XX/XXXX-XX/XX/XXXX due to hardship. My husband was XXXX  leaving me to pay many bills debts, lawyer fees alone for a year. AES closed account & listed as defaulted on my credit report causing my credit score to drop over 100 points. 
My loan has since been transferred to PHEAA & reported as new loan on my credit report. for nearly the same amount as my original loan with AES. This loan amount also includes astronomical collection fees which I find unfair considering these two companies are within the same entity. 
In XX/XX/XXXX I began receiving letters from PHEAA, threatening to garnish my wages if I didnt establishment payment agreement by XX/XX/XXXX.

XX/XX/XXXX I submitted Tax info & established payment arrangement with PHEAA and made a payment of {$200.00} via AES. I found this odd my payment was accepted by AES however, PHEAA is tacking on collections charges.

I openly expressed I could not afford this payment agreement despite this being the amount established based on income, dependents and bills incurred monthly ; which I believe has been calculated incorrectly. PHEAA was unable to lower monthly payments & assured me XXXX dollars is enough to survive for a month with two dependents not including self. 
XX/XX/XXXX I receive letter from PHEAA stating my new payment would be {$230.00} despite {$200.00} agreement based on info. Submitted via email. XX/XX/XXXX I call PHEAA to figure out why my payment amount changed. I was told I provided incorrect info. Even though I submitted all financial info. Via email same day. I was also told that my {$200.00} would not be applied to agreement until I pay {$32.00} more. Customer service rep. Was also incredibly hostile with providing answers to my questions. 
I was also informed PHEAA couldnt provide me with an account statement & collection cost bill. 
I also feel the school I attended should have been responsible for said loans considering The school closed and defaulted on promises made when I originally signed the loan agreement which was lifetime job placement and refresher courses. I have not worked in the field in which loan was acquired for since the demise of that school

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: NY

Complaint narrative:
Since XX/XX/2018 I have been in contact with customer service from Capital One regarding my 0 % Introductory APR for my Venture credit card. Even though this was promised I never got the this offer. Thus far until yesterday, XX/XX/XXXX, I have tried a total of 5 times to resolve this issue but have been denied my request due to insufficient documentation. All document in my possession, including the proof this as offered to my was sent to the company. According to them they never received my first correspondence that included the original welcome letter which stated the 0 % Introductory APR. When asked to reprint the welcome letter, which includes the 0 % Introductory APR, the supervisor said they only print it once and to her knowledge she had no idea why the company does this nor they keep these kind of records. She suggested that thus far I have not further disputable rights and the next step would be to dispute this at a corporative level. No further information was provided to resolve this issue. 

Please let me know what could be my next steps. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: IL

Complaint narrative:
Debt was paid directly to the original debt holder. Collection agency is reporting on my credit report not the original company.

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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XX/XX/2019 I ordered a 10 '' Full Touch Screen Dual lens Mirror Dash Cam for teenager car from XXXX XXXX. I received a cheaper 4.3 '' unit with single lens on XX/XX/2019. I immediately contacted the merchant by email on XX/XX/2019 and then again on XX/XX/2019 that the wrong unit was sent. I never received a response. I contacted CaptialOne once I was not going to have a resolution from merchant. I received a letter this week from CapitalOne that they are charging me back again for this wrong unit sent. They are considering the case closed now. It has been three months since the initial order. CapitalOne is not standing by their fraud prevention protection for their customer. This is clearly a bait and switch case. 
Case # XXXX with CapitalOne. At this point I want my {$59.00} returned to me as I received a bogus product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The debt collector continues to call my PREVIOUS employer on his personal cell phone number. I have not worked for him in over 5 years. Its highly inappropriate. 
Dates called : XX/XX/19 through XX/XX/19 to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: CORELOGIC INC
State: OH

Complaint narrative:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX NA # XXXX, XXXXXXXX  XXXX XXXX XXXX, 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 2019-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
There is an alleged lawsuit against XXXX which it states that they along with Navient ignored borrowers best interests in violation of its government contract to prevent borrowers from moving to XXXX XXXX the student loan servicer that administers the Public Service Loan Forgiveness program ), so that Navient could continue to earn fees. I have contacted the department of education which says XXXX is the company assigned to deal with this account. I spoke to them and they disregarded several critical questions and did try to attempt to offer me loan forgiveness when the account information is not accurate My income tax was offset which this company was given this money when I called to complain about they gave me a contact number with department of education and when contacting them in was referred back to them getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: Innovis
State: OH

Complaint narrative:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX  XXXX XXXX #  XXXX, XXXX XXXX # XXXX, 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 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card account with Bank of America I have my payment on auto pay and they switched my due date causing my payment to be six days late and this caused me to have a late payment showing on my credit report this is stemming back to you XX/XX/2016. I contacted Bank of America and they told me that they can not correct the information as the credit bureau will allow them to. 


XX/XX/XXXX - XX/XX/2016 2016

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 2019-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Hypotec Inc.
State: FL

Complaint narrative:
Im getting misleading VA loan advertisements in the mail. I happen to be a XXXX  XXXX  and take offense at these deceptive practices by second tier lenders. They are targeting an at risk population ( Veterans ). Please look into this. Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I had an impound account with XXXX XXXX. In XX/XX/2019, I was contacted by SP Servicing Company. They now have my account from XXXX XXXX. 

This is a SERVICE company in Utah. If I do not accept automatic withdrawals, I have to pay to pay. If you pay through the online service, there is a fee, if you pay over the phone there is a fee, if you pay through the website there is a fee. US postal is available but if it arrives late, I will be charged even larger fee. 

I don't want a service company. This is awful and very difficult. I have no records of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a walmart master card with a balance of XXXX. I call the company today customer service to see if they would lower my APR rate Im paying 25.15 %. 

I havent used this card in over a year and been playing {$200.00}. a month never late or missed a payment,, They told me theres nothing they can do for me since i open this card with this APR which is a lie cause my statement from back in 2018 was 24.15 % I honestly dont know what my APR was when i open this card cause i used to have just walmart but they close that and update the card to walmart mastercard. 

I dont get paper just online so i dont look i just pay All they would offer me was if i spend between $ XXXX {$290.00} then i could get 12 months free interest. I said Im trying to pay this off not ADD. I think this is XXXX   XXXX. 
I a good loyal customer. 

paying {$200.00} a month not even making a dent and the payment they keep asking is never the same One month it can be lower and next higher which doesnt make sense either

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 2019-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
Please reference prior complaint regarding the unprofessional service from Home Point Financial. Although the recent complaint has been closed out ( XXXX ), I am still unable to get a response to either my written and/or voicemail requests for status on a progress payment due to my contractor for which Home Point Financial has had the funds to pay for many weeks. Although there was an inspection by both the county and their subcontractor on XX/XX/XXXX ( both inspectors passed the pre-drywall closure work stage ), Home Point continues to be unresponsive to both myself and my contractor, whom I have granted authority to communicate with them directly. 

At this stage, all work to be performed by the contractor was completed as of XX/XX/XXXX with the exception of the glass enclosure, which is to be completed by a glass company acting as a subcontractor of my contractor. 

I am stuck and have had to negotiate with the contractor to continue work as they wanted to stop as a result of not receiving the progress payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am emailing you all in regards to my Ford Motor Account Number XXXX. 

Unfortunately, there was an issue that required me to file an insurance claim. 

I have repaired my vehicle, and turn in my receipts as requested by Ford Motor Company. 

I mailed those receipts and my insurance check in as directed by Ford Motor Credit personnel. 

I called today to check the status of the endorsement of my insurance check, and now they want to levy additional requirements. I do not appreciate my insurance check being held hostage after coming out of my pocket to repair the vehicle. 

I called and I asked what the process would be, and was told to turn in the check and my repair receipts, which I did. Today, I am told to take more time out of my day and get a Ford Inspection because I have made less than 6 payments. Well, if I make my 6th payment today will that solve the issue. I was told yes. 

I called back, and this is not a requirement so which is it? It really depends on who you talk to and on what day? 

Lastly a supervisor was suppose to return my call today before they closed, and guess what Mr. XXXX did not. 

Highly disappointed with Ford Motor Credit. I have integrity and I spent the money to fix my the truck and then some. 

So far, Ford Motor Credit has not kept their word or their promise to me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In the month of XXXX year of XXXX I sent Equifax a dispute regarding XXXX XXXX  listed on my credit file. In XXXX I directly contacted XXXX XXXX in reference to an unknown account on my report. According to Equifax there is an outstanding balance of {$1600.00} associated with this account. XXXX XXXX sent a bill with the total listed of {$830.00}. This is clearly not a valid account with conflicting information from XXXX XXXX to the credit bureaus and myself and I am demanding this inaccurate account and Information to be removed from my credit file. I have attached this contradicting information.

Company response to consumer: Closed with explanation