vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 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: CA

Complaint narrative:
As a loyalty customer, I used Amex card for long years. But I am very disappointed for their service. I got a promotion from Amex it said I can get 25000 points if I upgrade my everyday credit card to a preferred version which I have to pay annual fee instead of the no annual fee version. So I got their 25000 points since I finished their minimum spend requirement and paid for the annual fee. At this XXXX I got another year annual fee Charge. I already paid other credit card annual fee and used most transaction on the other card. So I decide to downgrade my everyday card to a no annual fee version. But at this XXXX I realized my 25000 points has been taken back from Amex . I called them have been told I have to keep 12 months for this card. What? This is very ridicules. When I downgrade. No one told me I have to keep 12 months for this card. I do received their 12 months term after I have been taken back the 25000 points. If anyone remind me I won't need to downgrade this card. I think I earned this points. The points belong to me. And their customer service is very rude. I need my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems
State: NC

Complaint narrative:
Hello CFPB, The company below continues to call, email and harass members of my family asking to discuss stuff about me. They are a collection agency and have acquired a debt from a company I left several years ago but are falsely claiming I owe. They are threatening lawsuit and also emailed said they are going to call around to see if anyone else wants to join on their lawsuit. 

Commercial Recovery Inc Tel : XXXX, XXXX Fax : XXXX XXXX XXXX is one of the many names they use. I called the company and asked for XXXX XXXX and they did not have a person names " XXXX XXXX '' then he emailed and said they use fake names. I have listed only a few of the many emails below with dates I get from them. They have been threatening legal action for months and given deadlines that pass and they still continue to make threats. They know where I live and from what I feel have made vailed threats that they know where I live and my family. They are now calling my family members in a attempt to SHAME my name. 



XXXX : " Your refusal to pay for this legitimate debt leaves us no other option but to assign this matter to legal counsel with a request to file a lawsuit. Unless this office receives the total within 10 days we will send the claim to an attorney in your jurisdiction. Are you sure you do not want to avoid this? 

XXXX : " My client XXXX has decided to enforce the guarantee against XXXX. We will deal with him separately. '' XXXX XXXX Commercial Recovery Inc XXXX On XX/XX/2021, at XXXX XXXX, XXXX wrote : " You need to call me about our letter to you on the personal guarantee ( on you ) portion of the debt we are pursuing. We need to have a discussion or we will send this to an attorney for suit. Be guided accordingly. '' XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CoinZoom, Inc.
State: VT

Complaint narrative:
On XX/XX/21, I made 2 transfers to CoinZoom to try out their services. I purchased crypto currency with the deposited funds. I was not satisfied with the service as at time I had to purchase in partial crypto instead of U.S. Dollars ( USD ). I had {$1.00} left in my online USD wallet at that time ( see attached screenshot ). After navigating the app, I saw that in order to withdraw my funds, I would have to deposit another {$1.00} and purchase more crypto in that amount plus what I had in my USD wallet ( minimum crypto buy amount ) so I could finally withdraw my funds. Still, I was not able to do that. 
ACH withdrawal directly to my checking account is not available at CoinZoom ( see attached screenshot ). The only other option is by wire transfer for which they charge {$25.00}. 
So I tried to do a wire transfer withdrawal. CoinZoom only allows wire transfers with a minimum of a {$100.00} transfer. My balance is {$39.00}. This means that there is no way for me to withdraw my funds from CoinZoom.

I called CoinZoom about getting my funds back. They told me I had two options : wait until they allow ACH withdrawals ( there are no plans to institute this at this time ), or deposit more money so I can make a wire transfer at a cost of {$25.00} to me. Ive tried ( and kept ) four other online brokers - none of them have no option for refunding your funds. 
Can you please help me get my funds back from CoinZoom in the amount of {$39.00}? Thank you!

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Approximately XXXX XXXX, during the pandemic, We have access my chase online account and came to find out that it was on the freeze account mode. I've learned that my account was past due and never knew about it. I've contacted Chase to find out what's happened since my payment was on the auto payment mode and the payment were coming out of my personal bank. We spoke to a man representative and told us that my monthly payment were raised and the payment that they received from us was not enough and that's reason I was on the past due status. I asked them why I never received any notification in regards to my new monthly payment. The representative has give me an instruction to make a certain amount of payment for three months until XXXX and I should be up to date on my payment by XX/XX/XXXX. 

After that, On XX/XX/XXXX, I was receiving a notification saying that I am past due again. I called Chase credit card to find out what was happened and they couldn't located who I spoke to back on XXXX XXXX. I was making payment twice to Chase Credit Company from XX/XX/XXXX until XX/XX/XXXX. I also made a complaint to their their XXXX collection dept. that Chase Credit Company got their customers talking to some representaive that they can't even identify who it was. 

on XX/XX/XXXX. I have obtain my free credit report and I came to find out that Chase Credit Card XXXX has reported that I was late for 30 days+ on payment which I have the credit payment on the automatic payment straight from our checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

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 2021-02-25 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: IN

Complaint narrative:
This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with Trans Union and XXXX and the item has not been removed.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and Equifax and the item has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
About a year ago NewRez misapplied one of my payments. It took weekly calls for about 2 months to get them to realize the issue was on their end, fix the payment issues and remove the late fees. Now I am trying to refinance my loan and have discovered that I also have late payments on my credit report related to this issue. I have been attempting to get NewRez to fix the late payments on my credit reports with the credit bureaus for over a month. Thus far, I have gotten no useful information from NewRez Customer Support during any of my repeated calls to fix my credit report. Many times the responses have been contradictory to information I have been given in previous calls. In my most recent attempt, New Rez Customer Service told me I need to speak with Loan Servicing but Loan Servicing does not have a phone and will not contact me. ( I know, right? ). I had been told in previous calls that my issue was being worked and was in a pending state. When I asked what the case/ticket/reference number for my issue was I told there was no tracking number that I could refer to ( not like it matters, I guess, since I can not contact loan servicing and they will not contact me ). Other than having the misfortune of having NewRez purchase my loan, I have done nothing wrong but I have wasted numerous hours trying to get NewRez to fix their own internal issues. Now I am also wasting money waiting for NewRez to fix my credit score so I can refinance the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: OH

Complaint narrative:
I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON XXXX XXXX XXXX XXXX XXXX XXXX the dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.

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 2021-02-25 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: FL

Complaint narrative:
My Equifax credit report displays incorrect accounts displaying on my credit report which needs to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. I need these incorrect information removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
My name is XXXX XXXX. 
I have received a mail from a company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have asking me to pay off amount {$1700.00} USD for a statement date ( XX/XX/XXXX ) that they've thought I owe to the creditor listed. 
This debt collector company have a several attempt to contact me by phone in an unreasonable hrs from an Unkown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses or contacts etc. 

I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT MONEY FOR AT XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! AND I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. 

This letter contains : 1. copy of the mail that collectors have sent to me.

2. copy of the letter that I have sent to the collector as respond.

2. copy of receipt that proofs I have paid the full amount rent of the XX/XX/XXXX. 
3. copy of my auto insurance policy issue date that proofs I am in the state of South Carolina .

I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt collection who are in process of impact my life, I also need a protection on my personal data that has been breached by Debt Collector act, Such as SSN, BANK, Credit Cards etc. In order to cause a potential problems. also I need a protection on my personal data/ information from being forwarded or sold to any other company by RentDebt collectors act, I understand that personal privacy, data and information of any individual who are living on the land of United states of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or cause potentially negative impact to the residents of US. Or trying to algorithm/ or discriminate an individual, in order to cause lose of confidentiality or any other purposes. 

Sincerely XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: GA

Complaint narrative:
Sent numerous letters, in 2020 to Vance & Hoffman LLC. Stating that I am a victim of identity theft and that they must cease and desist all attempts to communicate with my in any attempt to collect a debt that I have no knowledge of and all are to discontinue from reporting false and misleading information to XXXX and XXXX and any other credit bureau that exist. 

Vance & Hoffman LLC - XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Recently, I discovered the debt which was placed on my credit report of a XXXX debt that it was my understanding was paid by the XXXX insurance. I never received any correspondence to this debt prior to it being placed on my credit report. On Thursday, XX/XX/XXXX, I contacted the office of M. Leonard ad Associates regarding this matter. The XXXX XXXX, XXXX claimed that documentation was sent out of which I never received and that they provide 30 days for a response before adding to credit report. When I asked if there was a supervisor, I could speak with she stated her only supervisor would be the owner, XXXX XXXX, of which would not speak with me in regard to this matter. However, I believe to deny my right to respond by not providing validation of the medical bill  or that t was even in default due to the insurance not covering the cost is an unfair process. More specifically when no notification was received, and no record of documentation being sent has been provided or proven. Due to this current state of our economic system, unfortunately I am unable to pay on a medical bill of which M Leonard and Associates have attached on fees and interest which may be a direct violation of the consumer fair credit act. In order to recover payment that was covered by my insurance at the time of the accident in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: USI Solutions Inc.
State: TX

Complaint narrative:
Received letter from XXXX XXXX XXXX ( Creditor listed as USI Solutions , Inc. ). on XX/XX/XXXX regarding a debt that does not appear on any of my credit reports. I began receiving phone calls XXXX of XXXX. No amount was ever paid to this collection agency for this debt and the debt does not appear on any of my credit reports. In these calls they have said that they have established a court date and that I was too appear. I contacted the local court in the county and they could find no record of a court date. In addition my father has been called on XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
Today, XX/XX/2021, the company contacted me from the number XXXX. I asked who was calling before giving my identity ( since Ive heard some scammers use audio recordings of phone calls ), and they said they were from XXXX ( or something that sounded like XXXX ) After confirming my identity, they said instead that they were debt collecting for CashNetUSA. I believe they improperly identified themselves, which, to my knowledge, is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a with BANK OF AMERICA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2016 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payment are not a good indicator of my actual credit worthiness.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.

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 2021-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Escrow management issue : We have refinanced loan with Quicken ( Loan no. XXXX ) and loan was closed on XX/XX/XXXX. During Closing we are asked to pay {$2100.00} toward prepaid of Homeowners insurance ( HOI ) and told that since HOI renewal is due in 60days hence you have to pay and it will be directly sent to HOI company. 
On XX/XX/XXXX Payoff was made to prior lender but HOI company haven't received {$2100.00}. 
a ) I followed up with Quicken via online chat ( agent : XXXX ) on XX/XX/XXXX and via email on XX/XX/XXXX ( responded by XXXX XXXX on XX/XX/XXXX ). We were told that this was paid at closing so Quicken can not help and please contact broker. ( First thing its shocking that Lender is running away for their responsibility and not helping when its their closing document. This was poor customer experience in 1st month and don't know how they claim as best in customer service. ). 
b ) We sent couple of emails to broker ( who also happen to be Quicken loan officer ) but never responded. 
c ) Now on XX/XX/XXXX we followed up with Title company ( XXXXXXXX XXXX XXXX ) and they responded that seems like check is lost in transit and they will stop payment this check and send other with overnight delivery. 
d ) Hoping Title company will resolve as they responded on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: USI Solutions Inc.
State: FL

Complaint narrative:
Us1 global solutions called my dad in NC. I live in Florida. I never have given anybody my dad 's number. He said that they said I was being served. I do not know what for. My dad gave me the number of these people. XXXX. I called it. A recorder said it didn't exist. I had delt with a company that said I owe a bill which when I checked it out. There was no balance. It was back in 2007 and paid. A XXXX  card. They kept calling and I changed my number. They are harassing me now. So I reported them to you. They called my dad on XXXX :

Company response to consumer: Closed with explanation