vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: COMMERCE BANK
State: AR

Complaint narrative:
In early XXXX I accepted a XXXX XXXXXXXX credit card offer from Commerce Bank. The offer was for a {$150.00} cash back redemption to be applied to my credit statement within 6-8 weeks of making a purchase of over {$1000.00}. A purchase of {$1800.00} was made on XX/XX/XXXX, and I've made above the minimum payments since then, which was another condition of the offer. As of today, XX/XX/XXXX, I have not received my cash back redemption, which is around 18 weeks after I made the required purchase. I spoke with someone at the company on XX/XX/XXXX and was told a decision would be made within two business days. I have not heard back from them and according to my account, I have not been awarded XXXX points ( the equivalent of {$150.00} ) or had my account balance lowered by the promised {$150.00}. I sent an email to the contact on their website on XX/XX/XXXX, and someone named XXXX XXXX responded with the following message : " Upon consulting with a separate credit card area, we have been advised that XXXX Reward points have been manually added to your account. '' That has not happened. I brought this to his attention and he has not responded. My guess is that they plan to award the points only after I've paid my balance down below {$150.00}, thus forcing me to redeem the points for a one of their gift card offerings instead of actually applying this amount to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE XXXX XX/XX/2012 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: NY

Complaint narrative:
I opened a Discover Bank checking account on XX/XX/2021 and deposited checks within several weeks from opening. 

On XX/XX/2021 they asked me to upload documents for verification, after trying to upload those documents with errors on Discover website for every day for the next week, it finally worked and my passport and social security card was successfully uploaded. 

On XX/XX/2021 they informed me that the account was closed, no reason was provided. 

I spoke to a representative over the phone who said I will be getting a refund for the account balance within 60 days. After not receiving any refund, I called and spoke to a manager in the security department who said they will not be refunding the account balance and they did not want to give a reason for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened up a checking account in my name and deposited 2 checks {$3200.00} and {$100.00}, from XXXX without issue in the middle of XX/XX/2021. On XX/XX/XXXX Chase without notice lock my account and removed my funds and after contacting them sent me a letter which I never received and said they called me which I can prove they never called. Chase asked me for a contact at XXXX  so after a few weeks I did find it and tried to pass this on last week ( XX/XX/XXXX ) and called daily where Chase agent who was helping our case XXXX refused to take any calls and said our case was closed. XXXX gave us one option and that was to have them go to a bank branch and do who knows what, no details was given. He didn't provide what they need to show to prove they wrote the checks and I don't have a bank account any longer to give them the number to XXXX. Another agent when we tried to talk to a supervisor and was denied told us to give them our social security number which is a violation of PII since XXXX  doesn't have my SSN and I don't know why Chase would recommend that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have two accounts on my credit report that are reporting incorrect information that is withholding me from seeking new lines of credit. I have disputed these two alleged accounts with Experian on XX/XX/2021. The 1st account is from XXXXXXXX XXXX and there are numerous errors reporting such as the balance, & payment history. The 2nd account is XXXX XXXX and the payment history reporting is incorrect on this account. Since sending the letters on XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. Attached is the certified mail showing proof of my disputes. I have tried relentlessly to remove these accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.

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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
This company has claimed to have previously acquired my location and admitted to violating my rights by contacting me without previous consent from me. In addition, harassing me through mail pursuant 15 U.S. Code 1692c. 

Per my last complaint, this debt collector has violated several of my federally protected consumer rights including : 15 U.S. Code 1692b ( 5 ) 15 U.S. Code 1692e ( 3 ) 15 U.S. Code 1692 ( b ) -- ( two occurrences ) 15 U.S. Code 1692e ( 7 ) 15 U.S. Code 1692e ( 10 ) 15 U.S. Code 1692g.a ( 3 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1605 ( 1 ) The debt collector has responded to my previously complaint rather quickly and without having provided any supporting documentation to support their disposition. Having disclosed that they willfully furnished information to the credit reporting Agency, XXXX, when it is incorrect is now in violation of my FCRA in addition to the plethora of FDCPA violations. 

To add, this debt collector to whom I have no business, obligation, nor have previously conducted a consumer credit transaction with, should know that pursuant 15 U.S. Code 1692G ( c ) failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I am on a covid relief hardship plan and the mortgage company is charging me XXXX in late fees and I asked them if they would waive these fees due to covid and they tell me they can only waive 2 months worth of late fees, I feel XXXX is a lot for customers trying to come out of a pandemic and they are refusing to work with me and on top of that they are trying to give me a XXXX a month repayment plan when my monthly mortgage payment is XXXX who can afford double while in a pandemic when you can barely afford your original payment, I have talked to every Supervisor I can and nobody wants to help me or eliminate some fees so I can get a head. Please help I need desperate help with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I mailed Experian a letter disputing XXXX XXXX XXXX XXXX on my credit report. They came back and said this account was verified. I wrote them another letter XX/XX/2021 asking how the debt was verified. They stated it was verified by the company but not how it was verified. I wrote them again on XX/XX/2021 asking how was the debt verified. They wrote back again stating that it was verified but not how it was verified.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I was charged a {$25.00} fee. Logging onto the customer account portal did not indicate the type of fee. 
I called customer service in XXXX and was informed it was for a expeditated payoff fee. I never ordered such a fee or was contacted to approval any fee. Customer service apologized and I was told the fee would be removed. 
XX/XX/XXXX, the fee was still on my account. I contacted customer service again thru a chat session ( XXXX I.D . number is XXXX ). This chat session is available. This time I was told they could not removed the fee. I asked for any proof that I approved any authorization resulting in the fee and they could not. I was told they would submit for investigation and would be notified with a week. 
XX/XX/XXXX, still no communication concerning the status of the fee. Another call with Mr. Cooper. This call I was told it would not be removed. I asked again for any proof or authorization by me approving this fee and again they can not provide any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I receive multiple calls a day from different numbers. I have told them to stop calling but they continue to do so. Until they prove I owe this debt, I want the calls to end

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: Amsher Collection Services, Inc.
State: NE

Complaint narrative:
on XX/XX/21 I contacted Amsher to ask why they reported on my credit on XX/XX/21 a derogatory account. i was refered to another company and the rep stated she was not at able to discuss the account with me. I advised her that I wanted to dispute their reporting and she told me to call the other company. I made the payment with the other company in XXXX and Amsher should NEVER have reported since they were not reporting prior to me making the payment and now two months later they report, this is not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I made a pucrhase through XXXX, but I canceled the purchase from the XXXX ( I canceled the item before shipping ), but XXXX still sent the item to me after several days, and they charged my bank account with the amount of XXXX dollars and, XXXX dollars.The retailer does not respond, the store is not willing to refund me after a month, and the bank is not cancelling my charges my account.I made several claims to the bank, but they did not accept the claims.Please let me know what I should do.

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 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I'm not sure if this went through, but here it is again. We we're hit with the XXXX pandemic and we suffered, lost of extra income medical bills. Our mortgage company offered a forbearance plan and we took advantage of it. They offered extension s and we accepted them. I knew that we would have to pay the part that we were behind on. So Specialized Loan Servicing said that we could set up a repayment plan. We were searching for help online when XXXX XXXX XXXX noticed us needing help and said that they could find a program that may would fit out situation. Not knowing what the plan was we accepted the third party help. We paid them {$3200.00} for the services. Specialized Loan Servicing denied all that they were trying to do for us and would not budge on anything. XXXX XXXX XXXX kept informing us not to worry all was still under control. Specialized Loan Servicing is still not budging and since the forbarence ended in XX/XX/2021 they have accelerated the full amount owed that we were behind on with no repayment plan. Trying to pay the amount that we were behind on in three months is impossible. We can do it but not in three months. They are only giving us just thirty days and counting. The money that I paid XXXX XXXX XXXX could have were toward paying Specialized Loan Servicing. I asked XXXX XXXX XXXX before they took charge if I paid them how could I pay on our mortgage. He replied no don't pay them until we are done. The XXXX affected us badly and the second income that I had to help with the mortgage payments was lost. We are retired and we shouldn't have to go through this at this stage in our life.

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I started a dispute around XX/XX/XXXX for the amount of {$1000.00} dollars, well Fargo credit card services closed my case by XX/XX/XXXX ( around ) saying that I wasn't entirely for this money, XX/XX/XXXX I faxed proof of my resolution over this money, credit card company called me back on XX/XX/XXXX saying that I was going to get this {$1000.00} dollars back ( because I had proof enough that that was my money. ) They said within 5 days, today is Tuesday XX/XX/XXXX and I have called numerous times to wells Fargo credit line, not answer, nobody can get me any answers, in the other hand THEY ARE DO RUDE over the phone, I try to get a name or reference number of a lady who was so rude, she only said I'm XXXX IM XXXX, I feel very betrayed and angry because of this

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 2021-07-20 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 spoke to Experian due to a 43 point drop that did not have a clear reason. I used {$1500.00} of a {$2500.00} line of credit and paid it all off in less than 30 days. My score dropped 43 points. I called and received no explanation. Their algorithm is completely wrong and it is affecting my ability to be approved for lending.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
We have submitted all of the paperwork required by Flagstar Bank for a short sale. Flagstar repeatedly tells us that they do not have any of the documents. We have proof of the uploaded paperwork. We have met all requirements multiple times and have lost potential buyers for our home.

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 2021-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
on XXXX XXXX i got in contact with Experian wrote a dispute DEMANDING Experian to REMOVE 2 collection of : XXXX XXXX  and XXXX XXXX  of my account that are being reported inaccurately they never responded back, I've disputed these 2 collections with the 2 bureaus XXXX  and XXXX and they REMOVED them instantly ..Experian has violated my constitutional rights the list below follow : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains

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 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: MN

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
My account with ally was under dispute to remove some late payment from my credit report. This was closed on XX/XX/XXXX. When they closed this dispute they reported my XXXX payment was 30 days past due when it isnt in fact due until XX/XX/XXXX. I reached out to the company and they said they would put in for a correction as it was a mistake on their part. It dropped my credit score 37 points and I expressed this to them and the urgency in which I needed this fixed and how I didnt want to dispute it just correct it as it was their mistake. 16 days later and they still havent fixed it, and say they are having to verify the information. Ally can see my account and when my payments with them are due. They know its a mistake on their end and should be corrected by now. I reached out yesterday and asked for it to be corrected again as its reporting to the credit bureaus and hurting my credit and they said they will fix it as soon as they can

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 2021-07-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
Way2go has claimed to transfer new unemployment deposit, although the bank has not yet received the money but is REFUSING to effect or permit the transfer of withheld monies issued to them prior to my original complaint. I tried to make a single transfer rather than recurring to move the {$820.00} but Way2 go refuses to permit it as a recurring order exists. They have isolated to retain the original deposit accumulated solely because they issued the cards weeks later than directed according to unemployment notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation