vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I applied for a loan on the phone with US Bank. I was told I would get an application to sign and that I would also have someone calling me on Monday, XX/XX/XXXX, this was Saturday XX/XX/XXXX. I had waited a week and I never received a call or an application. 

I called on Monday XX/XX/XXXX and I had asked for a supervisor to call me and to date I have not had a supervisor call. I tried calling a mortgage number that I had, two days in a row it is over an hour hold time and no way that I can leave a message of phone number for someone to contact me back.

I feel like this must be against disclosure and lending laws. Don't they have to get an application out to me within three days? 

Thank you, 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 2018-03-21 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: CA

Complaint narrative:
Back in XX/XX/2017 XXXX, XXXX and Transunion made updates when it comes to how items such as tax liens appear on credit reports. I waited for about 2 months for something to happen, XXXX  on their own removed the 2 tax liens on my file, for XXXX I had to request a dispute, and the results removed the 2 tax liens from my XXXX credit file. Now, after filing 2 disputes online and 1 over the phone with Transunion, they still have not removed these 2 tax liens. I do not understand why, if the same information is getting reported to all 3 credit bureaus, why is Transunion not removing these tax liens due to the new requirements for these types of public records when the other 2 credit bureaus have followed the guidelines. all my information is the same on all 3 credit files. I would like these removed as soon as possible as XXXX and XXXX have already done so.

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 2018-03-21 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
THE COMPANY IS XXXX XXXX. WE CAN NOT FIND A NUMBER TO CALL THEM. WE CALLED XXXX XXXX AND TOLD THEM THAT WE DID NOT AUTHORIZE THIS CHARGE. WE THEN DISPUTED THE CHARGE ONLINE ON OUR ACCOUNT FOR THE {$99.00} CHARGE WHICH THE BANK CHARGED BACK TO OUR ACCOUNT LATER. WE THINK THAT IF WE TELL OUR CREDIT CARD BANK THAT WE SHOULD NOT BE CHARGED, THAT THEY SHOULD DEMAND THAT XXXX XXXX PROVE THAT WE AUTHORIZED THE CHARGE!

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
I attempted to attend XXXX University with a student loan. While awaiting student loan approval, XXXX University registered me in a class and charged me tuition without my knowledge. I was unsure of the process and never completed activities beyond a survey. Some months later I was approached by a counselor who told me I was at risk for not finishing my class. I advised that I had never signed up for a class. They told me to contact the school. I did, but no resolution came from it. Some months later, when my loan was approved, I contacted my admissions counselor to begin courses. She was no longer employed by the school. I emailed the person who they told me was now responsible. That person never responded. Some time later I started getting collection notices. I have disputed every one and every one has been found to be fraud, but they just send it to a new agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit score was reduced 133 points due to action taken by XXXX, because a loan payment was over 90 days late. Previously, XXXX had not given me written notice of upcoming or late payments for this loan, and also did not give me any such information when I called them. The loan payments are now current. The loan would never have become overdue if XXXX had given me written notice or provided me with the necessary information any response to my telephone enquiries. 

XXXX claims to be unable to do anything to have the bad mark on my credit removed. 

Equifax, a credit score service, told me that it was possible to get the bad mark on my credit removed, but the bad mark would then be transferred to my son 's credit report ( the loan at issue was for my son 's benefit ). 

I feel that XXXX has been unfair and abusive to me. It is no wonder that XXXX has been sued by your agency. Also, I feel that Equifax has also treated unfairly and unhelpfully. 

Any assistance this agency can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
To Whom It May Concern : I am writing this dispute in response to the recent garnishments that occurred from my paychecks in XX/XX/XXXX and ending in XX/XX/XXXX on a debt Cavalry Portfolio purchased from XXXX XXXX. With the conclusion and full release of the garnishments, I consider this account paid in full. 

Cavalry Portfolio continues to report this account as unpaid for the full amount on my credit file. I have requested validity of this and not received a response. I am requesting this be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Navient has made it nearly impossible for me to pay off my final debt. I have now attempted 3 times in the last month to submit a " final '' payment ( ie. the complete sum of what's left to be owed ), every time I get a message " payment reversal. '' The most recent transaction took 7 before message " payment reversal '' populated. I have called Navient customer service about the issue, and - as reported by other upset customers on this site - they claimed that my band account number was incorrect. This claim is false as each time I have deleted and reentered the bank information, on top of this, I have successfully been able to draw from this bank account with others sites and services other than Navient. I have also called my bank to be sure the issue was not on their end, they reported that my bank account number was in fact correct and fully functional ; the issue must be on Navient 's side. As time passes and Navient does nothing about this issue, interest continues to accrue! What's more, I receive NO notification from Navient when payment is reversed, so I am unaware if/when this issue happens. Navient has made it impossible for me to make any further payments towards my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 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: ROC Asset Solutions, LLC
State: NV

Complaint narrative:
To Whom It May Concern, Approximately XX/XX/XXXX I paid off a payday loan and paid off the loan and paid off interest payment totallying XXXX. In XX/XX/XXXX I paid XXXX in interest hoping this would be Remove off my XXXX Report. The account # XXXX what I noticed in this matter XXXX & XXXX payday loan are the same company meaning they merge together into one company. The settlement was excepted and that this item is still lingering on my XXXX  Report. Please can this item can be removed of my XXXX report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: FL

Complaint narrative:
Summary : XXXX XXXX was negligent in the handling of XXXX XXXX forms needed to have tuition payment submitted to the accounting department within a timely manner, which ended-up having them take a strong collection against me and utilizing a collection agency that is not licensed in Florida where I reside ; over an incident that occurred during the fall of XXXX. Additionally, the business office of XXXXXX/XX/XXXX is now, which I believe, is trying to cover-up that collection because they submitted to XXXX XXXX on XX/XX/XXXX the deferment letter I sent to them during the fall of XX/XX/XXXX, which was a requirement of XXXX XXXX. The representative, XXXX XXXX, Recovery Specialist Business Office, Direct Line : XXXX, called me on XX/XX/XXXX to let me know that she was authorized to reduce my debt by {$200.00} off the {$1900.00}. She also stated that she would call-back XXXX  XXXX XXXX to avoid any further collection from them. As of XX/XX/XXXX, my collection report shows that the balance of {$1900.00} is still being reported by the collection agency, with a new update on XXXX that was reported XX/XX/XXXX. 

My earlier conversations, which extend back more than a year or so, have argued with the business office that I was demanding the school take responsibility for the mishandling and negligence of my XXXX XXXX Form that would have allowed the school to receive payment for the Fall Semester, especially when there was money available on my XXXX XXXX account. The school refuses to admit fault. 

On XX/XX/XXXX, a call was placed to XXXX at XXXX XXXX, which I had left a message on her voicemail with my findings on how I thought it was odd that her department would send over the Deferment letter to XXXX XXXX on XX/XX/XXXX. I also stated that the collection agency was still reporting and that I was now going to file official complaints against the collection agency and the school for their inappropriate handling of my account and the hardship the collection agency is doing to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Financial Credit Service, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, a person called me without identifying themselves as a debt collector and asked me to identify myself. He proceeded provide my social security number and address and state that I had a debt with XXXX. I stated I have no memory of any such debt nor do I any such company on my credit report ( I know every creditor on my report and I have NO derogatory accounts on it at this time ). He stated that it had fallen off my credit report. He then said he could prove by his data that I was a " XXXX ''. He then proceeded to tell me that if I did not pay him right then he would file a wage garnishment that day and I would have to " Burn my debit card '' because he would empty my bank account. I then asked him if he had obtained a judgement against me in the courts he said no. I called him out on that since he would need a court order to garnish me. At this point the person hung up on me. 

I called the company back asking for the name, address and license information for the company. The person who answered the phone stated the company was ARA Inc but refused to provide further information about the company. I felt at this time the company was a scam but I have since received letter from the company. I am in the midst of requesting validation of the debt but I felt that this initial attempt to collect debt was sufficiently predatory to merit a complaint on it's own for the following reasons : 1. The caller did not identify themselves as a debt collector.

2. They refused to provide their company information when requested.

3. They threatened immediate action for which they did not have legal standing in an attempt to intimidate me.

4. Called me derogatory names in an attempt to shame me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
I was seen at XXXX Hospital on XX/XX/XXXX for and incident where I needed XXXX XXXX XXXX XXXX XXXX XXXX. A few months after the injury healed ; I had sharp pains in that very spot. I found out that there was still XXXX XXXX XXXX XXXX. I have made numerous complaints to the hospital ( clinical complaints ). In XX/XX/XXXX I received two bills, one from the E.R and one from the physician. After MONTHS of calling ; The E.R. Bill has been taken care of due to error of the hospital. They did not bill my health insurance. I was under the impression that both bills were taken care of. I received a notice of debt collection almost a year later from XXXX debt collection stating that they are seeking {$1100.00} for that E.R visit ( physician bill ). I contacted the company to explain the situation, but they only offered me a deal for a lower amount to be paid. I called the hospital ( twice ), had a free over-the-phone consultation with a lawyer who both told me to call the collection agency, explain the situation again and provide my insurance information. I called again today, XX/XX/XXXX ( got hung up on 3 times ). I tried to explain the situation. XXXX said they can not speak to me because I SPOKE to a lawyer. I am at my whits end.

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 2018-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as ofXX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. 

On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. 

I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. 

On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. 

In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.

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 2018-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In trying to set up a new roommate, I was sent a Cashiers Check for {$2900.00}. Only part was supposed to be for rent, the remaining was to help set up a car for the college student coming to live in the room. I deposited the check on XX/XX/XXXX, waited until the XX/XX/XXXX to withdraw cash to send for the car payment, and then waited another day to send the money for the supposed car payment, and then another day for the second half of the payment. After {$2000.00} was sent for the car, the check, even though it is a cashiers check, was bounced the next evening. So now I am out {$2000.00} because Wells Fargo allowed the apparently fraudulent check to be cashed and make the funds available for multiple days. When I called them to deal with this issue, they refused to compensate the fraud even though it was them that allowed a supposedly secure check to process and then bounce. They will not own up to their fault in this fraud.

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 2018-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
MrCooper XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX The homeowner recently called in to MrCooper and was told on a recorded phone call to do a short sale. The homeowner immediately listed the property and the listing agent procured an offer. Now that we are trying to start the short sale in XXXX we are being told that MrCooper never had any intention of entertaining a short sale. 

**If you had no intention of reviewing for a short sale why was the homeowner lied to? 

**In Addition -- -- Prior to the homeowner calling in, neither the homeowner nor their attorney received any notification from MrCooper of foreclosure avoidance options. If you are going to tell someone on a recorded line to submit a short sale package, never communicate regarding foreclosure avoidance options, WHY are you denying them for a short sale BEFORE YOU HAVE EVEN LOOKED AT THE OFFER??? 

**MrCooper was very clear with what they wanted as far as submission for a short sale for this homeowner, therefore the homeowner did not misunderstand anything at all. I want the file reviewed for a short sale LIKE THE HOMEOWNER WAS TOLD WOULD HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a credit card with Chase. It is past due on payment right now and I'm aware of the situation and I'm doing everything I can to get back on track. Chase is repeatedly calling me, when I answer they hang up and then call right back. Today since noon I have received in excess of 40 calls. I'm not avoiding the company but when I answer I get no Responce. I have all the calls recorded and phone records of the amount of calls. Their intent is to harass and cause undue hardship with emotional distress on my current situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX continues to keep this debt on my credit report even though they still have not provided anything with my signature or a social security number to prove ownership. If they bought the debt they should have these things if they belong to me. 

It is the debt collector 's burden to provide and prove this.

Company response to consumer: Closed with explanation