vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: Allied Data Corporation
State: DC

Complaint narrative:
I purchased some items XXXX before losing my job for {$150.00} school uniform pants for my daughter with my XXXX credit card. 

Items were never received and shipped to an old address that I have not lived in since 2013 I initiated contact and requested refund which I felt was a legimate request they issued an investigation and offered a gift card which I never wanted I wanted my refund back on my card. 

Also being off work since XXXX - my health played an issue and I submitted documents and was told that I did not qualify for help to pay my credit card. 

I paid for a service regularly and was told now that I am in need I did not qualify These practices put in play are fraudulent to take my monthly payment and when I am in need I dont qualify but no one gets to return to all the money I paid for the service. 

I want a refund back on my card I never got gift card and never wanted it I want a refund of all money put into for service that was suppose to help me in my time of need and out of work. These services should be illegal they take the money but dont help the consumer

Company response to consumer: Untimely response
Consumer complaint received 2018-10-07 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: WI

Complaint narrative:
I malied in list of disputes ffrom false and inaacurate information listed on my XXXX  Credit report. I did not recieve a response within 30 days of XXXX  recieving my disputes and still have not recieved any update. In addition the items listed on my XXXX  Credit report are inaccurate and negatively affecting my abilty to obtain credit.

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 2018-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I successfully filed for a credit freeze with XXXX  and XXXX online. When I tried to do the same with Experian, they insisted that I copy and send all this information by mail. It is a gross inconvenience. Also, their webpage directed me to XXXX so that opt out of receiving their third-party advertising. That webpage crashed.

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 2018-10-07 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX, Wells Fargo reported our account with XXXX 's XXXX to be 2 mos. late. Contact with the bank revealed they had sent initial 2 bills to another town. We'd not seen a bill. They acknowledged their mistake. THEY REFUSED TO CORRECT THE DING ON our credit scores until we paid up. Feels like extortion. All current bills were paid last Tuesday the 2nd.so the arrears is moot. 

I want them to indicate having made a mistake and clear my name Wells Fargo even sent me both undeliverable pieces of mail bearing the address in the other town which should have been enough to generate a fair prompt reversal of the negatives

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 2018-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Hi, I applied for a loan with Rocket Mortgage to purchase a property in XXXX GA. 
The total amount of the loan is around {$140000.00}. 
I want to say and certify I never purchased a house in USA and I am not familiar with the process or with any type of loan. 
Rocket Mortgage recommended me to apply for a FHA loan to purchase the property and this is what i did. 
During the process, I specified several times to all the parties involved including, my real estate agent, Rocket Mortgage banker and the insurance company, that my wife and my kids are in XXXX and till my wife will get her visa approved, there are lot of chances that I will rent the property. 
Rocket Mortgage told me this is a " first time buyer residence '' but NEVER mentioned I will not be able to rent the property. 
It's only at the closing, XX/XX/2018, the attorney made me signed a paper saying I will HAVE to move in and I CAN NOT rent this property for a year but it was already to late and I kind was obligate to sign. 
The attorney advised me to contact Rocket Mortgage to try to fix it. 
I contacted several persons in Rocket Mortgage, explained my situation but they kept telling me there is nothing they can do. 
I also told them, my wife is in this Visa process for over a year now and if in XX/XX/2018 she will not get her Visa approved, I will have to move back to XXXX and work from the XXXX branch of the company I am working for. Which means the house will remain empty and I will still have to pay the mortgage, why I would apply for a mortgage that will put me in this position at the first place. It was them mistake, not mine since they suggested me to take this FHA loan. 
Now I am contacting you please, first to complain about Rocket Mortgage and also to see if you can refer me to the right place where they may give me an approval to rent my property according to my circumstances. 
Thank you. 
Please contact me if you need any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: OH

Complaint narrative:
The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.

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 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2018, I applied online for a credit card of XXXX XXXX Visa Card by Citi. The Citi credit card company denied my application immediately after I submitted online even I have good credit and good credit scores.Also, I am a XXXX member ( XXXX membership number XXXX ) while many others people have much lower credit scores than mine still got approved,

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 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSH & Associates, LLC
State: GA

Complaint narrative:
To Whom It May Concern, Account Number : # XXXX / RSH & Associates LLC. 

Reviewing my annual free credit report, ive notice RSH & Associates LLC negative account on my credit report. I have never heard, never signal a legal binding contract with RSH & Associates LLC or I have never heard or received any documentation from RSH & Associates LLC.  Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope from RSH & Associates LLC. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from RSH & Associates LLC referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), RSH & Associates LLC is NOT following guidelines of what constitutes proper debt validation. I have NO contract with

RSH & Associates LLC, I am not obligated to buy for the alleged debt RSH & Associates LLC is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and RSH & Associates LLC a
ccount is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Embassy Loans
State: FL

Complaint narrative:
On XX/XX/2018 I signed an agreement for a Tittle loan from a company by the name of Embassy Loans , Inc. I was never informed that if I can prove that I had insurance coverage for six month from the starting date of the lein, they would never charge me in addition the Amount Paid for Voluntary Debt Cancellation Waiver which was XXXX charged on top of the amount I borrowed XXXX ... once I found out I was wrongly charged for not having insurance coverage for 6 months, I called them on XX/XX/18 to demand an explanation .... I had already made 4 payments of XXXX not knowing that I could have faxed them proof that I did have insurance coverage for 6 months on my car. They are also shubbing 28 % interest rate on this loan which is unheard of ... they scammed me into paying more then I got out of this loan ... I need help, I shouldn't have to pay them if they didn't inform me of the 6 month insurance coverage, they deceived me ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
I've contacted Rentdebt company through disputing the information through the credit bureaus. I have repeatedly asked for debt validation and none was provided. I do not have a contract with this company and I do not have a debt with this company. I would like for this to be removed off my credit as it is harming the purchase of my home. The company has no been helpful in solving this problem. No action has been taken by the company except to say that the debt meets FCRA rules when it doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
The escrow account was established for loan XXXX in 2012 and was for illegally placed forced placed Harzard insurance on the account in 2012. The property was under a federal stay per the escrow history document in 2012. Docket 438 Stipulated Order granting conditional relief of from stay. File XX/XX/2012 entered on XX/XX/2012 per this document states that : The parties have now entered into a agreement in settlement of the Motion to Remove Stay as more fully set forth herein. The docket states that as of the date of the agreed settlement which was on XX/XX/2012 the debtor in possession shall continue the post-petition payments of {$130.00}. Per the last paragraph of Docket 438 the court further order that if the Debtor fails to pay future post-petition payments or the delinquency of thirty days or longer the Debtor or his counsel shall be served with a 10 day notice of default indicating Movants to file an affidavit and proposed order granting a relief of stay. This relief action never happened during the Federal stay on the property per the court Docket on file. The loan was paid per the reaffirmation agreement as court ordered. 
If the default is not cured within the 10 day period, then the automatic stay which is now barring any proceeds in foreclosure against the Debtor shall automatically be lifted upon the creditor The Debtor paid the agreed payment of {$130.00} as court ordered.

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 2018-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Account Number : # XXXX / TEK COLLECT Reviewing my annual free credit report, Ive notice TEK COLLECT negative account on my credit report. I have never heard, never signal a legal binding contract with TEK COLLECT and I have never heard or received any documentation from TEK COLLECT. Understanding my rights, Ive requested under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } requesting validation by a certified envelope to TEK COLLECT. Listed below Ive request the following information : What money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Please provided a copy of a signed Health Insurance Portability and Accountability Act release form : I have not received anything from TEK COLLECT referencing I have a debt instrument with them. Per the Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX is NOT following guidelines of what constitutes proper debt validation. I have NO contract with TEK COLLECT, I am not obligated to buy for the alleged debt TEK COLLECT is the reporting inaccurate information on my credit report. Im planning to apply for a VA mortgage loan, and TEK COLLECT account is negatively impacting my ability to qualify. 

Thank you for your attention, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: OH

Complaint narrative:
OWR " Qualified Written Request '' I filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy was a home loan it was reaffirmed at a lesser amount than the original amount of the note. The crammed down balance of the mortgage was not petitioned by the investor to be added to the unsecured debt and was therefore discharged at the confirmation of my plan. Ever since then the investor has asked for this money on my monthly billing statements and listed it on several payoff statements. XXXX in XXXX purchased forced place insurance and created a escrow account while this property was under a Federal Stay. XXXX also violated the Debtors confirmed bankruptcy plan by paying off a tax contract that was part of the plan and trying to collect the tax though an escrow account. This investor has now cost me time and money in in excess of the amount of the mortgage just trying to defend my self and keep my home. I am notifying XXXX XXXX XXXX that I do not owe the investor any money because of damages to my company and my credit due to false reporting. I filed a complaint one year ago XXXX and was ignored and told by XXXX  we do have permission to talk to a third party meaning the CFPB. So I filed another complaint giving them permission. Now being contacted by XXXX want to collect a debt one year later REALLY. XXXX XXXX cover up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
There is a debt collection falsely reporting under the name ( s ) XXXX XXXX, Resurgent Cap and XXXX XXXX C/O Resurgent Capital Services. This account should be removed from each CRA ( Credit Reporting Agency ) for violations of the FCRA. 
The data furnisher is reporting in a misleading manner ( using different names phone numbers and addresses for each CRA ) as follows : XXXX : Name : XXXX XXXX/RESURGENT CAP Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  : Name : XXXX  , XXXX  Phone : None Provided Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX Phone : XXXX Address : C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX *See attached Credit Report as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 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: DISCOVER BANK
State: CA

Complaint narrative:
Filed a dispute for prepaid damaged goods I received. I submitted 13 exhibits to the credit card company with my dispute to back up my position of the damaged goods produced and delivered by the merchant. I have proof of the upload of those exhibits, I also notified the credit card company that they had an extended warranty policy attached to the use of their credit card use by the consumer which I relied upon and thus used the credit card with confidence due to that feature. 
Credit card company provided a temporary credit and subsequently ruled in my favor with the right of the merchant to appeal their decision. I was notified that any documentation the merchant provided would be sent to me and that arbitration if required would take place The credit card company reversed the dispute initially in my favor stating only that they received documentation from the merchant. They did not provide copies of any documents they stated they would. They claim that I only uploaded 3 exhibits, although I have proof of the 13 uploads on their platform. 
Those so-called missing exhibits were critical in establishing my claim of damaged goods including the acknowledgment by the merchant of the poorly produced and defective product. 

The credit card company made a reversal of the dispute without considering the facts and without extending my right to appeal and view the documents submitted by the merchant. They also indicate that their extended warranty policy was terminated and no longer offered to the users of their credit card. 
I indicated to them that they were required to provide me notice of that change in terms or policy which they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One has been emailing me account information for someone else for nearly a year now. They opened an account XX/XX/XXXX and I have been getting emails ever since then. I called them back and spoke directly to a customer service representative that told me someone with the same name and a different social security number signed up for the account. I told them they used the wrong email address and requested they open an inquiry. I thought it would end there but I keep getting emails about this persons account. 

I am sure I had more emails notifying them of their mistake ( I probably deleted some ), but currently I have 22 emails dating back to XX/XX/XXXX requesting that they stop emailing me someone else 's account information. I continue to reply or forward the emails they send to XXXX every time they email me, but they will not stop giving out someone else 's information. Below is just one email as I am sure you don't want me to attach all 22 emails. 

Also, FYSA XXXX, XXXX, XXXX or any way of spelling out XXXX with a period anywhere in it is still my email address. So there are emails received as XXXX and the ones I reply with are XXXX but it is the same domain email address for XXXX. Ask them if you don't believe me.

Company response to consumer: Closed with non-monetary relief