vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is will not remove fraudulant inquiries from my report that include XXXX XXXX  XXXX XXXX on XX/XX/2018 as well as XXXX XXXX on XX/XX/2018 need removed for my job

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 2018-11-27 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: Seterus, Inc.
State: OH

Complaint narrative:
XXXX has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XXXX servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX within weeks of the transfer notice.

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 2018-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
i Purchased a {$60.00} Toy on my ( HHGreg ) Credit Card in XX/XX/XXXX and i returned in 2 weeks, Store Customer Service ( Returned item Cashier ) made mistake and returned {$60.00} to my Different Credit Card instead returning Back on ( HHGreg ) Same Card i realised in XXXX some time then i started Calling to Store and Credit Card Bank ( SYNCB ) and amount became XXXX HHGreg they Shut Down all their stores, and ( SYNCB ) don't want to Cooperate. i have tried with XXXX and XXXX Customer Service referred me to XXXX now please i request help from you guys i should not be penalized for something i did not do. i always wanted to pay original amount but no body listened to me. 
please help : :

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 2018-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. 
This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
While returning on a flight from XXXX to XXXX on XX/XX/2018, I received a flyer from a flight attendant for a Delta Sky Miles credit card to join for XXXX bonus miles. The following day, I contacted the phone number on the flyer, and explained that I wanted to acquire this Sky Miles Delta card for the XXXX bonus sky mile points. 
I spoke at length about what I would need to do to follow all criteria on obtaining this card, and I agreed. I asked about cancelling the Blue American Express Delta Sky Miles card that was in my husbands name, and said that was no problem, as this was in my name. 
I was sent an email with Ref. # XXXX as my thanks for applying, telling me not to apply for another Gold Delta Sky Miles credit card during the application process. I did not. 
On XX/XX/2018, my new Delta Sky Miles card was sent. I enrolled in Online Access. 
I was sent an email that the Blue Delta Sky miles cards were cancelled. 
I proceeded to follow the rules of using the card to make sure I got my XXXX bonus sky miles, even calling American Express to make sure I was doing what I was supposed to do, and calling also about the {$50.00} Delta purchase I needed to make. 
In total, I probably called 6-7 times in the 6 months we were using this card.

One of the times I called, I spoke with a fellow about when my sky mile points would be posted. He wasn't exactly sure, but told me to wait until my XX/XX/2018 bill. He said " Don't worry, they will be on then ''. 
When I got my bill the end of XXXX, 2018, the points were not on, so I called. The person I talked to told me I was not enrolled in any special bonus points program. After speaking to him for about 10 minutes arguing about that fact, I asked to speak to a supervisor. XXXX came on the phone and told me that I was not enrolled in the program, When I asked what she was talking about, she said that I had already had a Delta Sky miles card in the past, so was not eligible for another one. She also stated that there were NO record of any calls from me to American Express in the last six months! I asked her if " I was in the XXXX XXXX? '' I was never, ever told this by anyone in the 6 months since I applied. 
If I had been told that, I never would have applied for this one. Why would I cancel a NO FEE card for a {$95.00} a year FEE card? 
I sent a complaint to the Attorney General of Minnesota, and American Express wrote them saying I would NOT be compensated. That they had listened to the calls and I was told about having had a card before, so I would not qualify for this one. I WAS NOT TOLD that. I want to hear those calls. 
When I called XXXX XXXX who was working on my case, she informed me to contact your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am an XXXX year old widow whose loan wnet into default during my prolonged illness. I reached out to the mortgage company OCWEN LOAN Servicing and requested a loss mitigation packet. I did receive this packet and submitted a loss mitigation application in late XX/XX/2018 and received a response letter in XX/XX/2018 that the modification was denied. The stated reason for the denial was that in did not meet the proprietary requirements of the lender or the investor. And that NO resolution was possible. Since then, I have started to receive notices from the XXXX XXXX XXXX indicating that my deceased husband 's name was still on the loan and they needed to appoint a PR to open and close his interest in the property through an estate. Due to my illness, I missed the court date and the lawyer for their firm was appointed. Since then I have pleaded with the mortgage company to give us ( my daughter is assisting me with trying to resolve the matter ) a reasonable workout plan based on the default of $ XXXX ( at the time XX/XX/2018 ) it has now grown to a delinquency of {$78.00} XXXX ( XX/XX/2018 ) to no avail. They said that a 36 month delinquency left them with an only option of collecting the full amount for reinstatement of the LOAN. In the meantime, on XX/XX/2018 I received the court copies that the request to foreclose has been filed under CASE NUMBER XXXXXXXX-dated XX/XX/XXXX18.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. Experian for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.

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 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I have never had an account with XXXX. This is the third, third party debt collector that has tried to collect on this account. The other 2 have been removed from my credit file, but XXXX doesn't report it in their name, so while I get the third party debt collectors removed XXXX keeps reselling the account. It is an unfair practice to keep selling the debt to a third party after I have it removed from my name. WAYRESGRP is the new third party debt collector. They failed to send me my notification of right to dispute. When calling WAYRESGRP they don't not handle disputes directly they send the customer to XXXX XXXX  fraud department. XXXXXXXX XXXX is not the company that is negatively effecting my credit. I have a right to dispute with the party that is reporting to the credit file. This is another violation of my rights as a consumer. This account must be removed as my identity was not verified when they opened the account, and the have violated my rights as a consumer.

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 2018-11-27 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: TX

Complaint narrative:
I disputed with Experian on XX/XX/XXXX on XXXX XXXX, Account # XXXX. They stated it was verified and updated but they didnt actually verify it. There has been no date of status since XX/XX/XXXX which means the account was never investigated. This is a violation of FCRA and FDCPA and it needs to be deleted immediately!

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 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hawthorn Recovery Services, Inc.
State: MO

Complaint narrative:
Called Hawthorn Recovery Services today, XX/XX/18. I told them I only owed XXXX because my original debt was paid XXXX dollars before they sent me to collections. I asked the drs office where the money went and they don't know. They won't give me my money back because they don't know what account it is in. I have disputed this with my bank and they have told me it can take 120 plus days to even get an answer! Mean while, I call Hawthorn recovery services tell them it is the wrong amount owed and i think it is unfair of me to pay right now. The debt collector tells me " well that's fine it will sitting in collections, lowering your credit score, and gaining interest '' might i add this is a medical bill! A medical bill gaining interest! Also the drs office agreed to give me 12 months to pay off my medical bill and only gave me 4 then sent me to collections!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/18, while on the banking website, saw an offer to switch the checking account to a Cashback Rewards Checking account. Followed the steps to do so and received the following error : We are unable to complete your request. The system is currently unavailable. We apologize for the inconvenience. Please try again later. 
I called USAA and they opened a web support ticket to inquire why I was unable to process the request when the banking agents confirmed there were no issues they could see that was creating the hassle. 
I followed up with agents on XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and was consistently informed web support was still working on the issue, keeping me on hold while the agents tried to find out more information, calls being disconnected after extensive holds. I did receive a voice mail on XX/XX/XXXX from a XXXX in web support asking me to call back USAA. When I did on XX/XX/XXXX, I spoke with XXXX, and after the extensive hold and the call disconnected, I had not followed up since, waiting for another voice mail update. 
I called today, XX/XX/XXXX, having received no further voice mails and still receiving the same error message on the banking website. I was informed by XXXX, in web support, that the ticket had been closed XX/XX/18 and he would need to open a new one. 
I've been told the banking agents themselves are unable to process the request to change to the Rewards account, that only clients can initiate and complete the request/transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
This company has indicating that paying them would stop the damage to my credit. This can also be taken as a threat to further damage my credit. This is very deceptive. 
This occurred in emails exchanged with company representatives on XX/XX/2018. They are using deceptive collection practices to convince me to pay a debt that I do not believe is fair and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
In XXXX I followed the FTC 's links to freeze my credit. The link to TransUnion provided by the FTC links to a paid site that makes you create an account. When I went to freeze my score TransUnion asked for a credit card. At no point did it indicate that I would be charged a fee or be subscribe to a service provided by TransUnion. TransUnion then proceeded to charge me $ XXXX monthly. I called the company and after falsely stating there was nothing they could do, a representative agreed to issue me a refund. However, TransUnion refuses to give me a receipt for the refund, claiming nobody in the entire company, including the CEO (? ) has the ability to send an email detailing the refund. 

https : //www.consumer.ftc.govXXXX

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 2018-11-27 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: GA

Complaint narrative:
I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for Trans Union, XXXX, and XXXX. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with Trans Union, XXXX, and XXXX to have these accounts removed from my report as the information is no longer valid. Trans Union, XXXX, and XXXX   completed the dispute within 10-15 days by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by Trans Union, XXXX, and XXXX within this amount of time and this resolution is completely inaccurate.

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 2018-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
Had a collection account put on my credit report for a cable provider by a debt collection agency. I have filed a police report and contacted the credit reporting agency to have it removed due to it not being my own. I have lived in the same house for 17 years and do not even have the company available in are area. I have never opened an account. Collection agency will not remove this off my credit report as they want me to pay it and say it does belong to me. 
Will not provide any written documents or contracts that have my signature on them stating I signed up for said service. When I asked them they said they do not have anything as there are multiple ways to obtain service with out a signed contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On dates XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, I mailed each of the three bureau disputing this inaccurate, information on my credit, The addresses were deleted but the public record related to this dispute still stand, I even took it upon myself to mail the court that the Bureaus say they are verifying this information with. The court response is included a long with a address that is not mines on the Bankruptcy, I am filling a complaint to get this inaccurate information removed from my credit. I was not notified on how this item is verified as mines on each of these responses. This is violating the FCRA.

Company response to consumer: Closed with explanation