vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days

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 2017-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX U.S Bankruptcy Court Dismissed the BK case and prior to the dismissal Loan care recieced the following payment againt XX/XX/XXXX defiency blance of {$9.00}, XXXX in the following manners : ( 1 )  Bankruptcy court paid from the plain {$3000.00} toward the defeiency blance. 
( 2 ) Loan Care retain two surplus payment for XX/XX/XXXX and XX/XX/XXXX for {$2000.00} each year. a ( 3 ) The homeowner has paid XX/XX/XXXX mortgage on XX/XX/XXXX {$1500.00} dollars on a {$1300.00} and on XX/XX/XXXX LC informed us that there was a surplus of {$2000.00} was being applied to XX/XX/XXXX payment and then informed the homeowner in the XX/XX/XXXX statement the only amount due was {$1300.00} which was paid by a LC a Cashier check sent on XX/XX/XXXX and received by LC XX/XX/XXXX. 

However, in spite of not owing reported default amount, but the owners have received a notice foreclosure proceeding has commenced laying claims that homeowner are nine months delinquent of {$9700.00} and debtors has proceed with Foreclosure attempt without further FHA stand alone review, loss retention in accordance with FHA requirement for special forbearance and the right to cure the default. 

The lender has not filed a new notice of default with the  county regarding the amount owed is less then {$4000.00} prior to intuiting current for closing proceeding. The lender has active foreclosure proceeding without allow the a chance to verify the claim of default and/or the amount owed, or has not assess the borrower financial situation to remain in the home by performing an early review of the loss mitigation submitted to loan care on XX/XX/XXXX at  XXXX. Eastern Pacific Time,.

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 2017-11-21 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL

Complaint narrative:
In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX.  XXXX conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX. This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( New York State Higher Education Services Corporation ), XXXX  notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to XXXX that confirms this. XXXX is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
I have sent several letters to this agency asking for discovery. No one at this agency called Independent Recovery has sent me any proif of debt. The debt is under XXXX XXXX. My name is XXXX XXXX. They advised my file was being handled by an attorney whos number was given to me by XXXX the collections dept supervisor. I called this attorney and he has not returned my call. This has been going on for almost a year. Please help me they have violated fcra requirements. 
XXXX number is XXXX XXXX. 
The attorney who refuses to discuss with me or return my calls name is XXXX XXXX his NUMBER is XXXX XXXX. Ive asked for proof several times and by law if they cant provide it they must remove it. Please help me. There are 5 accounts in question. 
XXXXXXXX XXXX, XXXX, XXXX ( 3 duplications of this account ), 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 non-monetary relief
Consumer complaint received 2017-11-21 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: GA

Complaint narrative:
I 've provided Equifax and XXXX with requested info such as police report, identity theft affidavit, FTC identity theft report and more but Equifax and XXXX has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has Equifax provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but Equifax has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: IL

Complaint narrative:
I have an auto loan with Bank of the West. In order to pay extra on my principal, I obtained envelopes from them that are addressed " BANK OF THE WEST, LOAN SERVICING-PRINCIPAL PAYMENT ''. On several occasions, my additional payment for principal only has had interest charged on it. They always correct it, when I contact them. However, I believe this is a practice of theirs, in which they do n't expect the borrower to catch them. I have made approximately 15 extra payments since I obtained the loan a year ago. Of those 15, about 8 have had interest charged.

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 2017-11-21 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: GA

Complaint narrative:
I 've provided XXXX and Experian with requested info such as police report, identity theft affidavit, FTC identity theft report and more but XXXX and Experian has not deleted inaccurate accounts off my credit. XXXX/XXXX XXXX and XXXX XXXX XXXX is not mine. Neither has XXXX provided me with proof the accounts are valid within 30 days. XXXX was not provided proof so they deleted these accounts in 30 days ( since XXXX 2017 ) but XXXX has not complied after I have complied and provided proof those accounts are not mine. They have repeatedly violated my rights as a consumer and are in violation of crediting reporting laws

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 2017-11-21 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: CA

Complaint narrative:
Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

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 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a checking account with XXXX XXXX XXXX  at XXXX XXXX on XX/XX/XXXX with {$200.00} bonus offer. The offer term stated that I need to " Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the  amount of at least {$300.00} must post to the new checking account. '' and " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. ". 

On XX/XX/XXXX, I had an incoming direct deposit for more than {$200.00} to the account. However, after 60 days from that I still did not receive any bonus. I called ( XXXX ) XXXX ( BBVA Customer representative number ) on XX/XX/XXXX and was told to wait. On XX/XX/XXXX, I called again and was told that I have already satisfied all requirements but there was some problem with the system, and I will receive the {$200.00} bonus by XX/XX/XXXX. However, I still have not receive the bonus yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX sold my loan to Select Portfolio Servicing , Inc. in XX/XX/XXXX every since then I have been having problems with my mortgage. They are a company out of Utah whom I am not sure if they know California mortgage laws they are very rude when they talk to you on the phone once they even hung up on me because the manager said they were closing and his reps were tired. When they took over my loan I was paying my flood insurance on my own, XX/XX/XXXX I received my paid declaration page from my insurance carrier I called them and asked who paid my insurance they replied SPS did. I then called XXXX XXXX and asked them why did they pay my flood insurance they stated the laws in Calfornia requires them to pay my flood insurance from my escrow account even though paying it shorten my escrow balance. XX/XX/XXXX I received a notice stating they added very expensive flood insurance to my loan even though they had already paid flood insurance through my escrow account. I called and the people on the phone insisted it was n't paid and they were going to leave the enforced insurance. I had to called my insurance company explain to them what was happening and ask them to help me eventually XXXX helped me to resolved the problem. Recently I received a notice that my flood insurance was not paid I really thought it was a mistake until XXXX XXXX sent me a letter stating I have no insurance so they were adding there expensive insurance to my loan again. I almost passed out I 'm thinking this just ca n't be they told me not to pay it that it 's part of my escrow account yet when I called the uncaring guy on the phone just said he did n't see were it was part of my escrow account and they did n't budget it into my escrow. They got me now, I have to find money somewhere to purchase flood insurance or have mine reinstated so I wo n't have to take their expensive coverage. This is going to ruin my grand kids XXXX and something tells me they are going to do this again the only way to make them stop is to walk away from my home. What a horrible company, it 's sad we do n't have a chose and how many others have they done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a notification from XXXX XXXX XXXX XXXX stating that they were attempting to collect a debt on the behalf of XXXX XXXX in the amount of {$180.00} and that they would be willing to settle the account for {$170.00}. I found this letter to be alarming because I received a notice from XXXX stating that the same amount was due. 

This issue stemmed from this summer when I was supposed to have service installed at my new residence. Prior to the scheduled installation at the new residence, I cancelled the appointment with XXXX but XXXX failed to cancel the appointment and prematurely disconnected my service at my old address. As a result, I awoke to no television, internet, or phone service. It took XXXX hours to remedy the issue and as a result, they had to create a new account in order to restore my service. I was told that my prior account would be merged with this new account number for billing and statement purposes which clearly is n't the case. 

Ironically, I receive monthly statements for my active service and I pay my bill monthly. Until XX/XX/XXXX I  never received any notification from XXXX XXXX stating that there was an outstanding bill on the previous account and that failure to submit payment would result in collection actions being taken against me. I knew nothing of this debt. While I have no issue of paying this debt, I need XXXX to remove this from collections since it was an error on their part. I take my credit very seriously and this collection will hurt my credit score and has the potential of staying on my report. 

On XX/XX/XXXX I contacted XXXX and explained the situation to XXXX, id # XXXX who later transferred me to a woman who later transferred me to XXXX who refused to give his id #. I spoke withe supervisor, XXXX XXXX and I advised him of the collection notice and the fact that I was not pleased with XXXX. This is because I have an active account with a triple bundle package that I pay every month. Until Saturday, I never received a notice regarding an outstanding bill on my previous residence. I explained that I was under the impression the bill from my previous residence and my current bill were supposed to be merged. He stated that was not I explained my concern for my credit rating and I was told that this account with Convergent was an in-house collection agency and would not bear adversely on my credit report.

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 2017-11-21 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 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: CA

Complaint narrative:
XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX 2017 I booked a family cruise on XXXX XXXX XXXX. I used my Chase card to make the payment. I have always met my obligations regarding the credit card agreement as far as making payments timely. While onboard i patronized the Casino. I later found out that XXXX is notorious for deceiving and fraudulently cheating customers in the casinos on board. I was told by XXXX employee ( the hostess in the casino ) that I can used my onboard room card to play up to {$3000.00}. The limit on my Chase card wsd {$3500.00}. 
While in the casino I played mostly from winnings as well as spending money I brought onboard. I went to a Casino patron to check my balance they advised the couldnt tell me i would have to go to guest services. I figured since i could only use up to XXXX based on the Casino rules and my limit being {$3500.00}. I could not exceed that. I won {$2700.00} and played mostly from that. So imagine my shock when on my way off the ship i was given a bill from the casino for {$6800.00} approximately. I emailed XXXX and requested an detailed itemized reciept of winnings played as well as the amounts played from the onboard card. I have yet to receive that. 
To my complete surprise Chase bank accepted the charges for almost double my limit. I called Chase to question why they would accept a charge for double my limit when that was not our credit card agreement. Had i tried to purchase an item for {$6800.00} it would have certainly benn declined. Chase agreed to take a partial amount off to honor the card a agreement. The balance i would resolve through XXXX once proper billing had been supplied. After making a large credit card payment chase went ahead and added the balance back without my knowledge. They have made no attempts to resolve the issue. I feel Chase and XXXX XXXX XXXX are deceptive and unscrupulous in thier practices to mislead consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc.
State: KS

Complaint narrative:
I received a call from Commonwealth Financial Systems on XX/XX/XXXX at XXXX from the phone number XXXX ext XXXX claiming I owed a debt from back in XX/XX/XXXX in XXXX XXXX, TX . I did live in that area but I DO NOT remember going to the hospital back then. I DID NOT AFFIRM THAT I OWED THE DEBT! I challenged the debt and I told them I do not remember that and I do n't have a medical debt that is owed! They also asked for the last 4 of my ssn and I refused to give them that information! 

I told them to send me a copy of the bill that I supposedly owe which I do not remember ever getting a bill. THEY THREATENED THAT THIS WILL BE PUT ON MY CREDIT AND CAUSE HARM TO MY CREDIT! I have not yet received any bill in the whole 5 years of any bill from the hospital. 

First, the statue of limitations are over with. They can not sue me nor take any legal actions as the statue of limitations are 5 years in Kansas and 4 years in Texas. As of XX/XX/XXXX it has been 5 years! 

I want them to stop harrassing me, stop claiming a debt that I 'm sure I 'd remember IF I DID IT. No bill has came, no nothing. Stop threatening my credit and what not on a debt that is beyond the statue of limitations. Just do not call me again!

Company response to consumer: Closed with explanation