vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have received notification from XXXX there is a collection added to credit report.I have spoken with customer service at XXXX was informed wrong information until I was asked for date of birth. I was informed this is a medical acct {$85.00} for XXXX  the company do no have any documentation on file to provide to me. This is a fraud acct

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 2018-11-28 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: MS

Complaint narrative:
The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/XXXX. This account is fraudulent and does not belong to me. XXXX XXXX XXXX opened XX/XX/XXXX. This account is fraudulent and does not belong to me. The following hard inquiries that are fraudulent are XXXX, XXXX XXXX, and XXXX XXXX. These inquiries are fraudulent and were not authorized by me. Chapter XXXX Bankruptcy opened on XX/XX/XXXX,  reference number XXXX does not belong to me. 

Police reports have been mailed to the credit reporting companies.

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 2018-11-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My car was totaled and bridgecrest was notified on XXXX XXXX. The person who was at fault had their insurance call bridgecrest and say that I was delaying settlement so bridgecrest came and picked up the car on XXXX XXXX so the insurance could get the car. The insurance company lied but bridgecrest did not call me to verify. On the day bridgecrest picked up the car I called and was informed that my gap insurance would cover what the insurance did not so there would not be a balance left over. I waited for an update and I called XX/XX/2018 and spoke with XXXX after they had reported they would remove the line of credit and I advised that I did not agree to that as my gap insurance would pay the car off so I advised they needed to properly update the account as paid in full. XXXX said that the at fault insurance company still had not paid or picked up the car. I advised why not it had been 3 weeks and I asked why no one had contacted the at fault insurance company and I could not get a straight answer. So I called back on the XXXX and spoke with XXXX a supervisor and the at fault insurance company finally came and got the car but still had not paid their portion. XXXX then proceeded to advise me that the deletion of my credit report would not be changed and that bridgecrest had cancelled my gap insurance. She said that they were following procedure and I advised that only when it benefits bridgecrest do they follow procedure and I asked why when I called when the car was repossed and they know it had been totaled out did they not inform me of this and she could not answer that. Later that day again I received 2 calls with 2 voicemails from bridgecrest.  Bridgecrest states that they do not have an updated address but I recently came home to a notice for a letter from them that required a signature but due to daytime delivery I was not home and there were no instructions on how to retrieve what was sent. Bridgecrest picks and chooses when to follow their policies only when it is in their favor and once again have violated the calling procedures for collection attempts again for the third time. I also can not even access the account to retrieve any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, I live at XXXX XXXX XXXX XXXX in XXXX Texas, XXXX. Your company recently purchased my loan from XXXX ( Loan number XXXX ). I just got my first statement from you and there are a couple issues with it. So I called to get it straightened out with no success. So you are getting this email. 
I called at XXXX central time and spoke with a woman named XXXX I believe. I explained that my loan was an Equity line of credit and not a full loan and my statement had an Escrow payment. We pay the taxes our self on the house every year and pay the insurance ourselves monthly so there is nothing about our loan that qualifies as an Escrow item. The Escrow balance is - {$170.00}. I was told there was not answer for what this was and I just had to pay it. This is unacceptable Illegal and I will not stand for it. 
Secondly there is a {$31.00} fee on my statement, when I asked about this fee, I was told its a property inspection fee. No inspection has been done. Now one from your company or no one saying they represent you have come onto my property to ask to inspect the property. If this inspection was down I DEMAND to see it and the photographs that were taken. I want to know who gave them permission to access to my property. If no inspection has taken place then why am I being charged? If an inspection took place without my knowledge or consent that is trespassing and in Texas is not a very smart thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I have sent a debt validation request to them and have not received any response. This debt is not valid. I had issues with XXXX and this account never should've been sent to collection. I do not owe them the amount that they are indicating. I had major issues with this account from XXXX and unauthorized charges. I would ask that they remove this account from my credit report and send the account back to XXXX so I can deal directly with them. I have been harassed by Diversified Consultants for a long time now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I approaced Quicken Loans in XXXX for a mortgage refinance. They were offering a " Match or Beat Offer '' where if they can't match or beat the offer they were to send a {$250.00} gift card. I decided to pursue the refinance with a different company because of a better rate and then later approached Quicken Loans to obtain the gift card on XX/XX/XXXX. At that time they asked me to send all documentation which I did and they responded stating that the gift card should be issued to me and that I should expect in 4-6 weeks that takes us into early XXXX. I received the gift card sometime in XXXX. I did not try to use it until XX/XX/XXXX then again several times in this year. All my transactions were rejected. I called the customer service number on the back of the card but they could not find my card. Then I decided to call Quicken Loans and they asked me to check the expiration on the card. The expiration date was set to XX/XX/XXXX and this was a card that was issued in XX/XX/XXXX. They stated on the call and in emails that it is wierd for a gift card to expire in 3-4 months from the issue date and agreed to look into the matter. But all my attempts at resolving the dispute amicably ended in trash. In my latest email conversation they stated that they changed to an yearly expiration on their gift cards after XX/XX/XXXX. But even with this story, since I received my card in XXXX, it should have had the right expiration of 1 year instead of 3-4 months. Please help me resolve this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit score I am in the process of fixing and I wanted to get a secure credit card to help rebuild my credit I went to the capital one website and applied for they credit card because they advertised in there ad that the will approve you if you are trying to rebuild your credit but that is not true all they did was run my credit knowing that they was not going to approve me and put another hard inquiry on my report and lowered my score even more I think that they should be sued so many people apply for they credit card due to they false advertising and all they care about is getting the business not caring that they have just put that customer in a worse situation even more because now that hard inquiry have cause they score to get even lower please help me stop these company from doing this to people and getting away with it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been a XXXX XXXX card holder since XX/XX/XXXX. It is serviced by CitiBank now. I have never failed to pay my bill. 

In XXXX of this past year, CitiBank alleges I signed up for e-statements. I did not - if anything occured, it must have been a default setting where you receive e-statements unless you unclick a box. I do not receive e-statements for other credit cards because these emails go to spam and I don't check my email as it is full of advertisements and junk. 

I charged {$18.00} in XXXX of this year to my card. I have never received a bill or a written notification. Today, XX/XX/XXXX, I logged into my email account to check a shipping notice for a XXXX item, and there happen to be an email from XXXX XXXX. I thought it was a spoof as I new I had not used the card recently and the email stated I owed {$110.00}, but I called Citibank to check. 

Today Citibank stated I owed {$110.00} due to interest and fees for the {$18.00} charge. Citibank offered to reduce the bill to {$72.00}, one month 's charge and interest. I did not even know I was enrolled in E-Bill. I have never paid late on a paper statement. I believe it is an unfair practice to " quietly '' enroll someone in e-statements, without any paper notice in case this was a mistake. Then, citibank is charging me {$100.00} in fees for an {$18.00} purchase without a single notice sent to my house. 

My credit rating is excellent and I do not have a history of missing payments. I did not choose e-bill enrollment and believe that Citibank auto-enrolled me. I should not have to pay late charges when I did not ask for E-Statements.

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
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Company name : CONN CREDIT CORP Account Nuumber : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
1- XXXX has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, HSBC states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. HSBC held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). HSBC sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' HSBC has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, XXXX continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented XXXX 's actions are both fraudulent and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TN

Complaint narrative:
I completed my {$1000.00} in spend in 90 days to get my {$100.00} sign up and it hasn't posted 30 days later

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 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Account Number # XXXX Company Name # NATIONAL CREDIT SYST

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Approximately 11 months ago I was having financial difficulties and contacted my mortgage loan servicer Ocwen. I asked for help and requested a modification. Since then I have sent in the modification papers several times, doing exactly what their representatives told me. I made payments in XXXX, XXXX, XXXX and XX/XX/2018 as a " trial modification ''. I also sent in a payments that they say are " on hold '' .The monthly payment amount was {$580.00}. I had sent in the modification papers which had my ex-husbands name on them. ( When we divorced the judge had said he was no longer liable for the payments and my ex signed off on the house ). I was not able to get his signature because I am afraid of him and what he might do so I sent the papers in without his signature. The last modification I did about 3 years ago was put through even though my ex-husband did not sign those. It has been almost 10 years since our divorce. With the help of the Wisconsin Department of Financial Institutions I was able to get some help and my ex-husbands name was removed from the mortgage. 
Since then Ocwen has been unfair and I have actually caught them lying to me. I have taken down every representatives employee number and date I talked to them. I've told them that I believe Ocwen is trying to get me out of my mortgage because with my last modification I was given an interest rate of 2 %. Many other issues have come up since then. I did receive a default letter and am in foreclosure. Most recently I sent a money order from my bank for {$1100.00}, it was sent overnight to Ocwen around the XX/XX/XXXX. When I called I was told that Ocwen was sending the money order back because it didn't include the XXXX payment. I didn't include it because it wasn't yet XXXX when I sent the money order. The representative I spoke to before the previous representative talked to me said that the money order was received in XXXX and that's why it was sent back. I am constantly getting various answers. I spoke with them today and am going to try to send the money back with the XXXX payment included ( {$580.00} ) and see what happens then. They've told me several times that they are working on completing the modification but they never have. 
I'm a single mom with XXXX kids living with me. Prior to my financial difficulty at the end of last year I had been on time with my payments. I am so stressed out and feel that Ocwen is trying to make me lose my home. I have begun counseling because I'm so anxious that I can hardly function. I don't know if anyone can help me but I would like to start a case against them if possible. There is so much more that I could include but not sure if there's room.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: CA

Complaint narrative:
On XX/XX/XXXX or before I closed my XXXX XXXX XXXX by phone. It was a secured card. My balance that day was {$1100.00}. The {$1000.00} security account was paid to XXXX XXXX reducing my balance to {$160.00} which I paid through my bank that month. 
The account was closed and paid in full. Subiscqkelty while I was in the hospital I started reciveing account statements for late fees starting with {$35.00} adding another {$35.00} each month. I did not have anyone alerted to pay a bill from XXXX XXXX because the account was closed and paid in full. By the time I saw and called the first bill was for about {$70.00}. They are now demanding over {$100.00}. 
I made three calls, one a month to fix the problem but was stone walled. No one called me back. I was not given a place to write or email. I was not allowed to talk to anyone who know what was happening or could fix the problem. All they did was threaten. 
When I closed the account a payment from my secured account of {$1000.00} was made well over the {$35.00} minimum payment needed for XXXX. My payment of {$160.00} was made upon demand constituting a second payment for the month of XXXX. I paid twice and they charged me a late penalty. 
As I attempt to get their attention they continue to add on charges every month to a closed account with a XXXX balance. 
I get the feeling in dealing with them that they are accustomed to such contemplates as mine and they have no interest is fixing the problem as long as they are making money. I am a senior citizen and feel I am being taken advantage of by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Nelnet, Inc.
State: MD

Complaint narrative:
I've been in contact with Nelnet since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online Nelnet website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Walmart then closed my account. I called spoke to an account manager on XX/XX/XXXX. She advised me that if I made 2 consecutive payments on time they would reopen the account. Since then I have made more then two payments on time. And will be paying off the account on XX/XX/XXXX. I called yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account her name was XXXX ID # XXXX and she stated she doesn't know why the account manager would tell me that and she would not honor that. How sad that this company doesn't stand true to their word.

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