vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-10 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: PNC Bank N.A.
State: FL

Complaint narrative:
I am receiving unwanted ads regarding PNC bank for credit cards. I have attempted to have them stop sending me these offers. They want me to provide to their automatic opt out line, my social security number. Why would anyone put one ; s social security number out there on an automatic line. 
They will not allow any other way to remove myself from these offers. 
I can not believe as the government you are allowing PNC to prevent consumers from being removed from their list using alternative methods besides the automatic. 
Like being able to speak to a live person. While every other institution allows one to actually speak to a live person and they do not ask for our social security number. 
I need my name and address to be removed from their list. 
I need you as our government to get involved. 
Before we have another identification crisis on our hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I was put on XXXX  XXXX so I couldn't afford to pay mortgage so I started sending small checks so the amount I was behind would not continue growing in a rate I could not recover from and the mortgage company sent my checks back uncashed so I fell behind 4 payments. When I was able to go back to work at a new job, I resumed paying my mortgage in XXXX and Mr. Cooper refuses to post that money against my mortgage - instead they are putting my money in an unapplied funds account and they have their lawyers trying get judgements against me. I have made a payment in XX/XX/2018 and XX/XX/2018 and they are still claiming I haven't paid anything since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
I received a collection notice from a collection agency on XX/XX/18 from Louisiana Recovery Services Inc. stating that I owed a bill for {$75.00} originally from XXXX XXXX XXXX  XXXX. I immediately called the original creditor to inform them that I never received any bills from them stating that I owed a balance and also stated that I paid what was owed at each visit. I was told them that I only received the collection notice from collection agency. All of my information was verified and it was all correct. They then proceeded to tell me that they sent me 4 bills on XXXX & XX/XX/18 and that they were ignored.I again told them that I had never received any bills from them and I asked them to email me the bills that they so called mailed to me.I received the bills and immediately had questions other than not understanding why I had not received any of the bills in the mail nor received any phone calls from them.I called them back to reiterate that I didn't receive any of them and also asked why the 1st bill that they supposedly sent out showed a balance forward of {$120.00} and it also shows a 90 day delinquency as if they had sent out prior bills 3mos ago.She couldn't explain it and told me that the lady that worked there at the time no longer worked there and that I should ignore the questions that I was raising because the billing specifics are sometimes inaccurate.I was told that it was owed and that was it.I have impeccable credit and would have paid it had it been sent.They expect to tell me and make me believe that I received bills that I know I did not receive, that I should ignore the questions that I have about the bills and just pay it.

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 2018-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
American Honda Finance Corporation mailed me a check from a settled claim between XX/XX/XXXX and XX/XX/XXXX. 
The check however, was mailed to my old address and I was not made aware of it until after the check was void. 
I contacted AHFC about this issue and they claimed that it was too late to reissue the check. 
I am currently in possession of the original check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2018, I spoke with XXXX in the deferment department to set up a payment extension, and I was denied an extension because I was not working. Therefore, I asked to speak with a Supervisor XXXX XXXX. XXXX XXXX told me yes I qualify for an extension because it ' been over a year that I have paid my car note. However, because I am not working he will not give me an extension. 

Because of this errant handling of my request, they are definitely breaching my contract which states I am eligible for a extension because my account has been active for a year.

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 2018-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a foreclosure letter several months ago in XXXX. It was showing missed payments but not on correct dates. After finally figuring this out through my lawyer, the payments were caught up to date and the payment went directly through the law firm so there was a definite payoff trail. In a letter dated, XX/XX/XXXX it is stating we know have a forecloser date of XX/XX/XXXX stating again, the old amount and saying there has been no payment since. I have the payoff that my lawyer sent directly as well as every cleared check for each month after. 

Before, we were on autopay and never had this problem. As soon as we filed bankruptcy they canceled that even though no other company did. This was simply an opportunity for this company to hope we defaulted due to our perfect auto debit record so they could take advantage. 

I would appreciate, as I have already told this company, to have my auto debit reinstated and my account open to me. If my account can not be accessed, how am I suppose to know what has been paid and when it cleared. Closing access to my account due to bankruptcy that does not even affect this company is absurd. They are only trying to take advantage of a hard situation. 

Attached is the payoff in XXXX as well as the additional three payments the company is claiming I missed. You can clearly see all payments are made and have cleared my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have complained to and sent information to XXXX XXXX XXXX services. They have reported my account ending in XXXX as being 30 days late in XX/XX/XXXX. I made 4 payments in XXXX XX/XX/XXXX for {$73.00} and XX/XX/XXXX for {$55.00} and then XX/XX/XXXX {$840.00} and XX/XX/XXXX {$720.00}. Both times they applied to the other account ending in XXXX. I called numerous times to have this corrected. The 2 payments on XX/XX/XXXX were finally after repeatedly calling over at ; east a 2 week period were finally credited corrected but the 2 payment on XX/XX/XXXX and XX/XX/XXXX wee never corrected and applied to the account ending in XXXX causing the account ending in XXXX to show 30-days late. I have called, faxed repeatedly XXXX XXXX and have disputed with the Credit Bureau to no avail. I want the negative 30-days removed from my account ending in XXXX removed. Both accounts have been closed.

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 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS

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 2018-12-10 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 — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the morning of Monday, XX/XX/2018, I logged into my Wells Fargo online banking account. I have noticed that my credit card balance seemed to be going up at an almost exponential rate. When I reviewed the online transactions closer, I noticed that every credit card transaction for months had been doubled. For example, monthly storage payments in the amount of {$300.00} were doubled, streaming TV subscriptions for {$29.00} a month were doubled, and store purchases were doubled. I have screen-prints and hard-copy printouts of the transactions ( attached ). 

As of this writing I have not contacted Wells Fargo yet, as these kinds of issues have been going on with Wells Fargo for years ( including switching my personal to a small business account ). I have informed Wells Fargo of past concerns and they have not taken them seriously - routinely diminishing and discrediting concerns. 

At this juncture, I can not trust Wells Fargo to act with transparency and integrity to fix this and other issues. I must wonder if this is the same type of " computer glitch '' that has recently plagued Wells Fargo ( with respect to home loans ). 

I am asking the Federal Reserve and CFPB to take a long, hard look into Wells Fargo and their practices and most certainly a review of their computer coding/formulas is crucial at this point.

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 2018-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS

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 2018-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
SHOWING INACCURATE INFORMATION THAT VIOLATES MY RIGHTS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express ( AMEX for short thereby ) had an AMEX offer promotion which is to spend {$150.00} or more on XXXX XXXX XXXX XXXX for Business and get XXXX XXXX points, up to 3 times on my AMEX card ending with XXXX. ( XXXX XXXX points eligible in total for this offer ) I participated this promotion, and made three $ 150+ payments on XX/XX/XXXX and XXXX respectively ( which were eligible before the promotion deadline of XX/XX/XXXX ). I got XXXX XXXX points on XX/XX/XXXX, but the remaining XXXX XXXX points has never shown up on my account. 

I contacted AMEX through their customer service chat channel on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking about the XXXX XXXX points. AEMX customer service admitted that this particular XXXX XXXX points has been issued, but never posted to my account, which means that my participation is eligible but AMEX just does not give the XXXX XXXX points to me.

Each time I contacted AMEX, the customer service representative and even their manager would say to submit a request with high priority for their back office people to investigate, but the points never came to my account after I have been waiting patiently and politely for more than 6 weeks from when I started the first inquiry, and for more than 8 weeks from when I made the eligible spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello, I regularly check my credit score has Im trying to fix my credit. Ive noticed that navient has popped up as a charge off on a student loan. I immediately disputed the derogatory mark has I didnt recognize the lender. Upon further investigation I saw that they use to be a part of sallie Mae. My mother paid off all of my student loans before she passed away in XX/XX/2014. According to the report payments stopped in XX/XX/2014. Navient made no attempts to reach out to me directly. Had I known there was a loan left out I would have picked up where my mother left off. Navient has stayed that they have tried reaching out to me with no response. Ive asked for the phone number and address they have on file which they say they can not provide. Im beyond disgusted with the lack of customer service in trying to get this debt resolved. I find some of what they are doing fraudulent. I have disputed this information to the credit bureaus numerous of times. I must have rights when it comes to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
This collection company call a lot of time, and in 2 ocasion i tell them, this amount is incorrect, but they said i have to pay, this = is what i old, i said not i old like XXXX why i have to pay {$440.00}, i want to dispute this, they said i can't this dispute this amount, that the only think i have to do is pay the XXXX i say no,,, i want to dispute this amount, and they reduce with a very bad behavior and rude. THe have now report this to all credit berue even without letting me dispute this, of give me the opportunity to dispute this amount. 

Also this deb company call for a lot diferente phone number, and use tactic like, can you put XXXX on phone, if i said is not here, the said this i a debt collection calling for XXXX on deb she have from XXXX, even if they don't know who pick the phone, my husband take the phone few time and they give information without permission, also the call saturday and sundays, and call a lot of time so when my husband pick the phone they hangoff..like XXXX to a woman to pick the phone guessing it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2018 I submitted a challenge letter to Experian in regards to negative items being reported to my credit report. Per FCRA they are to investigate every letter sent to them. As of XX/XX/2018 they have failed to investigate these items and because it has been more than 30 days they are to delete them. On XX/XX/2018 I have sent another letter for those same items and they have not till this day done anything with that letter. I demand them to delete all negative items that are listed on my report for failing to investigate said items. 
Due to the obvious yet significantly INCONSISTENT and or INACCURATE and or incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHECK for : 1 ) physically verifiable document VALIDITY 2 ) physically verifiable evidence of COMPLIANCE OF REPORTING 4 ) testimony attesting to the factual FULLNESS of claim ( s ) truth, correctness, completeness, timeliness, ownership, responsibility, compliance to all applicable reporting regulations/laws/or standards AND the CERTIFIABILITY of the aforementioned FURTHER, Due to the obvious yet significantly incomplete reporting of the claimed derogatory event against me, I am notifying you of my enacting of consumer right to CHALLENGE the claim ( s ) : 1 ) based on MISSING aspects of CERTIFIED COMPLIANCE 2 ) based on DEFICIENT aspects of CERTIFIED COMPLIANCE 3 ) or based on ANY OTHER questionable aspect of COMPLIANT and CERTIFIED PERFECT REPORTING LASTLY, Per federal laws, VALIDITY of claim MUST be perfectly TRUE & CORRECT, and to REPORT the VALID and VERIFIED derogatory claim MUST be perfectly COMPLIANT " as reporting WHEN REPORTED ''. ANY deviation from that minimal criterion of validity or reporting compliance makes retain the derogatory data unethical and unlawful and gives consumer legal grounds to DEMAND immediate and permanent removal, so DELETE your unjust and injurious claims versus me NOW! ''

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 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX. 2018 XXXX XXXXXXXX XXXX  XXXX XXXX ending XXXX approved a balance transfer of XXXX to my Visa credit card ending XXXX as showing in my statement, but never send the money. 
I've been calling and calling answering Please wait 30 days, wait 1 more week and keep waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
PHOENIX RECOVERY GROUP out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has falsely claimed that I owe a debt in which I did not accrue. Additionally they have reported to the 3 credit bureaus that I have missed late payments with them. This fraudulent claim has dropped my score from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
I made a poor choice in desperation and bought a car from XXXX in XX/XX/2011. Within the first week, the air conditioning went out in the vehicle and was going to cost me XXXX dollars to fix. A week after that I had a tire blow on the highway. Apparently there were wires showing that I did not notice when I purchased vehicle. By this time Im frustrated. Then when I decided to return the car something happened in the engine so I wasn't even able to return it. I called to have them come and get it. I was not aware that there is something called the " lemon '' law. I just knew I got a bad deal. I didn't realize this was on my credit score until I went to purchase my first home. Now its a problem. I don't recall getting any notices or phone calls. I am attempting to dispute this debt. Any help would be appreciated. It has been 7 years so I do not recall a lot of information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BankOfAmerica charged me both a late fee and interest fee. I had tried setting up auto pay in the past but could not find a way to do it. I have several other credit cards and they all offer the option to pay the full balance on the due date which allows me to avoid those fees. BankOfAmerica does has not offered me this option and I reached out to their customer service 3 times on Sunday XX/XX/2018 to get a one time refund but they are refusing that request. Right now, the only option I have is to set up an auto pay for a certain dollar amount, which is not helpful since the account balance varies significantly month after month.

I feel like this is a predetory banking practice by deliberatley making it difficult to set up auto pay to impose these unecessary fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief