vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been a long-time American Express card holder with an exemplary credit standing. 

I have two cards that earn Membership Rewards. In January, I made some large catering purchases which earned me Membership Rewards points, and made full payment soon after. 

Today ( XX/XX/XXXX), I tried redeeming some of my Membership Rewards points, only to see this on the screen when I tried to submit : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' What's critical, is that these points were Available points, which by American Express 's Terms and Conditions, mean they are fully available for me to use. In fact, American Express has a pre-Available status for points called Pending, where they are presumably reviewed and held prior to being Available, thereby proving Available points actually are available points. 

I contacted via chat Amex today to ask for a status or know when I could use the points I earned and was entitled to use, and both the initial agent and the supervisor refused to provide me with any information or escalate this matter internally. The supervisor even confirmed there was nothing unusual with my account that he could see that would warrant an inability to use the points I earned. 

** I am asking for American Express to expedite and complete within 7 days any " review '' of my Membership Rewards points, and make the points that were earned and are Available, actually available so I can transfer them to a hotel partner. If I don't have all the Available points today actually available at that time, Amex should be investigated for refusing to run and honor their reward program as advertised.. 

Because of the 30 minutes I've invested in chatting with two Amex representatives, I refuse to waste any more of my time since it is clear the company is structurally unresponsive -- plus there is nothing I can add to any discussion, as Amex has already reviewed and has full access to my accounts anyway. 

I could have used a card with a competitor of Amex who has a similar reward program and honestly provides points to be used without this shady " review '' Amex is apparently randomly doing to prevent points from being used as a customer has earned -- especially once those points have already passed a lengthy review process and are in fact showing as Available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Looking over my XXXX credit report i noticed that XXXX XXXX is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Looking over my Experian credit report i noticed that XXXX Bank is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.

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 2019-03-17 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
i have reached out to SYNCB and XXXX about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Other Information If an email was used in this incident, please provide a copy of the entire email including full email headers. 
XXXX XXXX thats a fax i sent by email they recieved for my info they had requested for identification on XX/XX/2019 @ XXXX mailed by XXXX also sent fax from fax file XX/XX/2019 they recieved that fax @ XXXX to fax server XXXX 6 pages were recieved in both of those fax were the federal trade report and that report number is XXXX my bank statement from XXXX XXXX XXXX XXXX with my proof of address federal trade commision letter FCRA 605B { 15 U.S.C. 1681c-2 social secuirty card DL and the cover letter statement of having my addres updated as well as what was in the rest of the fax Are there any other witnesses or victims to this incident? 
I am the victim of them commenting federal credit report acts yes there are plenty of witnesses and i have plenty of audio recordings of them doing this and knowingly lieing to me If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
i have reported this to FBI FTC CFPB Ive contacted the attorney generals office and my states attorney generals office and have left messages and waiting to hear back ive contacted the white house comment line and also am looking for a lawyer ive contacted the XXXX police department and the city of XXXX AR which is who had me contact the XXXX police Thank you for submitting your complaint to the Federal Trade Commission. Based on the information you have given us, we believe the following links to our consumer website may be helpful to you : 10 Ways to Avoid Fraud If you have any questions or would like us to add additional information to your complaint, please call XXXX to speak with a counselor. When you call, please have this reference number : XXXX to help us quickly retrieve your information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 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: PA

Complaint narrative:
i have reached out to XXXX and XXXX  about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.

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 2019-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i have reached out to XXXX and Experian about this account a few times already they have dont nothing at all to fix the problem. They are saying i have a balance of {$1400.00} in which i contest to the fullest.

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: AZ

Complaint narrative:
Hi, LexisNexis is showing on my XXXX report the following Items that I have previously contacted them about in XX/XX/XXXX. Today on XX/XX/XXXX I ran a quote with XXXX XXXX XXXX and they are using this information against me to increase my insurance quote. These Items don't belong to me and I returned a highlighted copy of my report with my social security card and all related information. I got a confirmation from LexisNexis but this information is still being reported. This is impacting me financially on a daily basis as I have to pay higher out of pocket costs to be insured. 

Accident on XX/XX/XXXX Listed on XXXX XXXX XXXX  over {$1000.00} on XX/XX/XXXX Listed on XXXX XXXX XXXX   {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX   XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX XXXX XXXX {$1000.00} or less on XX/XX/XXXX Listed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Historically, I have had a high credit score of XXXX. Last XXXX, it appeared as though Wells Fargo had double-deducted my monthly HELOC auto deduction from my checking account at XXXX XXXX. 

In an effort to protect me, XXXX XXXX  stopped auto deductions from Wells in excess of a certain amount in XXXX of 2018. The process for investigating with Wells Fargo was arduous an they did not help. The process took almost a year. By XXXX of 2018, I had changed HELOC accounts at Wells Fargo and was told that I would be all caught up and no negative credit determination was made. The is not true. My credit was slowly going down to XXXX. Again, I got on the phone with Wells and they told me they would cover the " {$200.00} '' interest that was accruing in a sub account that I never authorized to be opened. I went on to simply pay the disputed amount by year end. I never accepted responsibility for the error but I wanted to save my credit. Unfortunately, Wells Fargo continues to report to XXXX that I'm " behind '' in mortgage payments and It's is adversely affecting me. XXXX investigated and Wells said I was not paying in a timely fashion. I have statements that show the monthly bill has been paid.

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 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have a unverified account from MIDLAND FUNDING LLC. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a loan with SYNCB/CARECR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SYNCB/CARECR with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-03-18 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: DISCOVER BANK
State: MD

Complaint narrative:
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXXXXX, XXXX, XXXX  and DISCOVERBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on Experian credit bureau he made his phone primary also created an alert / freeze under that phone number

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 2019-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Previously, I had repeatedly received spam mail from PNC Bank about offers. So, in Complaint # XXXX filed on XX/XX/2018, I had requested them to opt me out of all spam mail. 
Thereafter, I stopped receiving spam until now. Yesterday, I once again started receiving spam mail from them and I have attached scanned copies of the front and back of the mail for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: AZ

Complaint narrative:
My arrival plus XXXX XXXX XXXX MasterCard # : XXXX is lost/stolen and some of the charges on the account are fraudulent charges/transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on XXXX credit bureau he made his phone primary also created an alert / freeze under that phone number

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 2019-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on XXXX credit bureau he made his phone primary also created an alert / freeze under that phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 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: AZ

Complaint narrative:
My arrival plus XXXX XXXX XXXX XXXX # : XXXX is lost/stolen and some of the charges on the account are fraudulent charges/transactions.

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 2019-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am in the process of going through a short sale with US Bank Mortgage. I have an offer on the house but US Bank refused to acknowledge the offer. US Bank is asking for {$190000.00} but my house did not appraise nearly that amount. My realtor continues to request US Bank to decrease and accept the appraised amount, but they are in the process of denying it. The homes in my area are not appraising for that amount. I do not want to lose this buyer and I tried to do everything I could to share with them what's going on. I have a HUD partial claim on my loan which brings my total to XXXX. I only paid XXXX for my home. 

Please contact me as soon as possible.

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 2019-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MO

Complaint narrative:
On Friday I had a check with a other financial institution I told the employee to cash in XXXX dollars which means the XXXX dollars I tired to have on the same day and XXXX dollar left on my account after 24 hours but the employee refused to cash the check and i told her specifically that my boss said I have funds available for you to have for mortgage but the bank teller still refused my statement she said in her own words " We can't go off what your boss said '' and I said may I speak with your manger at the branch and still could helped me we wasted time to go to the institution which was on the check and it should not been done while i was at the teller with XXXX in my checking account to pay mortgage and XXXX dollars by the next business day.

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 2019-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio recovery services calls me multiple times a day claiming I owe XXXX dollars for a credit card opened in my name. I was a victim of identity theft. They call sometimes 5 times within 10 minutes from different numbers. I already informed them of the identity theft but they dont listen to me. They called me Sunday night at XXXX and have called before XXXX and after XXXX multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I attempted to get internet service with XXXX XXXX, but after several attempts to start my service they were never able to secure my connection. Therefore being in the 30 days window of service, I cancelled the service due to failure to secure a internet connection at my residence. I call XXXX ( XXXX ) and got a confirmation cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ameritech Financial
State: NY

Complaint narrative:
I am one of the victims of Ameritechs fraudulence. They claimed they would lower my repayment and acted as a go between on behalf of myself and my government loan. I paid them {$89.00} a month for over a year. I must have paid them a couple thousand dollars, for no reason. When I tried to end business with them, the representative on the phone pressured me to stay with them, otherwise they said I would be making a mistake.

Company response to consumer: Untimely response