vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: DISCOVER BANK
State: WI

Complaint narrative:
Discover closed my account ending XXXX in order to steal my rewards. I always paid bills on time, never late and earned 150000+ miles in rewards which would be around $ 2000+K cash. 
I requested my rewards redeemed on XXXX XXXX at that time Discover assured me rewards would be paid automatically on XX/XX/XXXX for that I did not needed to call in : they made me to believe that they will send a check or transfer cash to my bank account as they did previously when I redeemed my rewards previously. 
Few days ago I saw that my family member made a purchase on XXXX and redeemed my Discover rewards, I never consented to Discover or XXXX to use my rewards as payment option, I don't understand whythose companies decided they can use my rewards without my permission. 
Today on XX/XX/19 I contacted Discover again to get my rewards and was told that Discover closed my account on XX/XX/19 ending *XXXX  because " they did not hear from me and my rewards are voided '', never sent an email or mail or any indication informing me about intent to close my account. 
So today, on XX/XX/19 I spoke with XXXX mngr in OH he refused to redeem my miles for me because " when I called on XX/XX/XXXX to request my rewards I was told rewards will be paid out automatically and I don't need to call, but then I needed to call again in order to redeem. '' this istrolling and scamming practices to steal my rewards. No other credit card company ever demanded my Tax Returns from IRS. 
No notes, emails, letters with deadlines or anything indicating reason for closing account ending *XXXX  therefore Discover did not wanted to pay my reward which would be approximately $ 2000+ Discover is a  scammer and a thief, they invent tricks to steal from us our rightfully earned rewards : in instance, they emailed me yesterday on XX/XX/19 stating that they put me on their Match program on my account ending *XXXX that was never even activated and is closed. 
For the demand of my IRS records I received and email from someone looking like a spam and I thought was a scam that did not come from Discover email, I deleted it as it wanted me to click on the link. I learned it was from Discover only after I called in to activate my new card ending *XXXX. XXXX told me that spam looking email was from them on XX/XX/XXXX, ( XXXX from their special department ). Then he asked me if he should close the account and hanged up the call. Then I called again, spoke with the female agent and she confirmed that XXXX was accurate and they will not activate account until I give them access to my tax returns from IRS. I refused to allow any credit card company access to my IRS records. and they closed my both accounts without any notices in order not to pay my reward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
I received a small payday from a XXXX XXXX  company called Bridge Lending last XX/XX/XXXX, and have had issues repaying the loan ( due to financial hardship ). 
Finally, in XX/XX/XXXX I received an alarming phone call from an unidentified local number, ( XXXX ) XXXX ; the message left by this process server basically threatening to show up at my job, or at my home unless I contact the client to settle immediately, which I did. I was unable again, to make the payment of {$240.00} that I had scheduled with this collections firm, who goes by the office of XXXX, ( telephone XXXX ) ; they did extend the scheduled payment to my next payday. I contacted XXXX back later that week, to make an arrangement for partial payment, as I was not able to make the payment for the full amount. I was denied a payment arrangement. The payment of course was not able to be processed on the scheduled date, and I was contacted immediately by another process server, who left another startling message on my phone. I contacted XXXX again, only this time, I was yelled at, berated, and threaten by office manager XXXX who stated that no arrangement would be made, and the case has been refiled ... this is not how I believe legit lenders, collection agencies and process servers do business ... in addition to filing this complaint, I have decided to seek legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I contacted SageStream LLC to put a security freeze on my information. I submitted the required information and copies of my identification documentation on XX/XX/19. Their website says they will respond via U.S. Mail. To date, there has been no response. I telephoned them and even though I was calling during their business hours I am unable to get hold of a person ; their answering device says to call during business hours ( which I did ). I have no idea how to get hold of a human to freeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global Solutions is attempting to collect for two services both in the amount of {$280.00}. At the time of my injury I was insured thru XXXX XXXX XXXX XXXX XXXX. I presented my insurance information at that time. However apparently they did not submit to my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I contacted Pro collect via chat to attempt to negotiate a settlement amount. I was advised that was not possible because their company does not provide settlements. I was told to pay the balance in full and given payment options ... I disconnected the chat ... I proceeded to go online and make a payment of {$180.00} plus the company charges a {$7.00} processing fee bringing the total to XXXX to be deducted out of my checking account.. I was called this morning XX/XX/2019 on my new telephone number that they shouldn't of had and advised that I had a balance of XXXX from an old apartment and that I've made {$660.00} worth of payments in XX/XX/2019 and XX/XX/2019 ... I was told that the payment of {$180.00} that I made online would not be processed because I have to pay the full balance of {$1300.00}. I told them I don't have the full balance.. The representative then proceeded to tell me in a very rude way that I needed to make that payment now or he would mark my account as refusal to pay. I made payments and attempted to make a payment yesterday and this morning I was advised my credit report would be marked as refusal to pay and that's not fair.

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 2019-09-27 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: GA

Complaint narrative:
Experian refuse to remove inaccurate information reporting on my account. The account has not been verified in three years and they refuse to delete the information under the fair credit reporting act 15 U.S.C to disclose all the information and documents in their file  regarding the accounts reporting on my credit. I have spoke with the creditor and have been advised they are not reporting any of the information that is currently on my credit file. I have been dealing with this information for years and they continue to bring harm on my reputation and 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 non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After telling my lender about the details regarding my foreclosure years ago, he brought to my attention that I had been seriously cheated into foreclosing and told me about the CFPB, strongly recommending that I file a complaint to have the foreclosure removed from my credit history. In short, Wells Fargo refused to take funds from a XXXX veteran program that took me two years to get approved for. The funds were designed to help XXXX veterans who had lost over 50 % of the home 's value in the XXXX-XXXX financial collapse. After months of being passed around from section to section within Wells Fargo, I was advised by a realtor to stop paying my mortgage payment in order to give them incentive to accept the funds that were delegated by the HAP into a safe trust account to pay off my loan. After months elapsed, they were still unwilling to let me pay off my entire mortgage with the funds, at which point I was unable to catch up on payments and was forced into a foreclosure. My wife and I are currently trying to buy a home and the foreclosure that happened years ago is completely preventing us from getting approved. I am requesting that any and all history of my foreclosure be removed from my credit report. Please see attachment of my approval letter for 100 % loan pay off. I have more records of this spanning over the two year period in which I did everything in my power to encourage Wells Fargo to accept the funds from the XXXX XXXX XXXX XXXX ( program is called the HAP or Home Owner 's Assistance Program ). I contacted my congressman, local news channels, visited three branch head managers, etc. For years I thought I had exhausted all of my options until just recently finding out about the CFPB. Any help on this matter would be greatly appreciated.

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 2019-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Despite several written requests to United Revenue Corp, the unverified item still remain on my credit report. I have been dealing with them for over a year and they have come back to state that they have verified the item and it is indeed mine, also that my claim is frivolous. I have written to them ( United Rev ) to show proof of verification, also who verified it? They have not done so and I have been more than patient with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/19 my brother was contacted about my credit card account and given my first and last name, as well as the last four of my cc ( I have a recording of the call ). He has never been involved in my financial matters, and he has zero reason to be contacted with my information. Chase could have been contacting a stranger for all they know. My brother 's number had never been associated with my account so this was not a mistake. I called Chase, and was given no apologies or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I have sent 3 certified return-receipt letters over the past 6 months to Ally financial to dispute an item on my credit report ( one late payment that is affecting my credit score ) and have never received a reply to my dispute. They have exceeded the 30-45 day window to respond to my multiple disputes.

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 2019-09-27 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: CA

Complaint narrative:
I have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with Experian the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " XXXX XXXX  '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with Experian directly as to ensure that XXXX XXXX would be held accountable. I was notified this morning however that XXXX XXXX " validated the 30 days late '' and Experian denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to XXXX XXXX support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

XXXX 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 2019-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE took a bill that no longer exists and added it to my credit reports. They did this to deliberately ruin my credit. Because I stopped paying them for my previous accounts which has been cleared from their records. They took an account, that was originally for {$890.00}, Date of service is XX/XX/XXXX, and sent it to the credit bureau 's. This account was originally from XXXX XXXX XXXX XXXX. But they cleared all of my accounts. Now CMRE has also found other accounts and added to me. Which were not connected to me until recently. They were my son 's hospital bills. They date back in XX/XX/XXXX for {$31.00} and XX/XX/XXXX for {$270.00} from XXXX XXXX XXXX XXXX All of a sudden these accounts have been added once XXXX XXXX XXXX XXXX XXXX their accounts. This company is trying to ruin my credit. And is trying to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: LoanCare, LLC
State: CA

Complaint narrative:
I have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with XXXX the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " LOAN CARE '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with XXXX directly as to ensure that Loan Care would be held accountable. I was notified this morning however that Loan Care " validated the 30 days late '' and XXXX denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to Loan Care support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

XXXX 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 explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
After attempting to recoup money from the vendor, I made some chargeback requests for events I purchased that either did not happen or were cut off very early due to inclement weather. Citi was able to verify some on their own quickly, but they have closed others not in my favor or requested additional information in other instances. Being very busy, I've not been yet able to respond to all additional information requests, but I've had no issue with their resolution team until now. After processing these chargeback requests, Citi has suspiciously, and suddenly, closed all of my accounts in what I can only assume to be retaliation for my chargeback requests. They refuse to talk to me on the phone and will not state why the accounts have been closed or why they can't talk to me. The company has a duty by law to pursue chargebacks on behalf of their customers, and for them to retaliate when I ask them to exercise, on my behalf, specific rights is egregious - particularly when no one at Citi will even talk to me about the issue. I've read on forums other people have had gone through similar situations in which Citi has tried to shirk it's duty to customers by ending accounts without notice or valid reason. Citi should be held accountable and this kind of practice needs to stop. They are also conveniently trying to not pay me out on over {$100000.00} worth of cash back and TY rewards I earned on purchases that they've already been paid out for in processing fees, amounting to a huge unjust enrichment.

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 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
On XX/XX/2019, I received notification from the credit bureaus that a debt from Sequium Asset Solutions was being reported on my credit reports. Prior to this I had no idea who Sequium Asset Solutions was, had no contact with them or had done any business with them. On XX/XX/2019 Sequium Asset Solutions LLC received my faxed letter requesting validation of an account XXXX. I have not received a response. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is  inaccurate. As of XX/XX/2019, they are still reporting account on my credit. Which puts them in violation of various state collection laws. After suffering actual damages due to their willful negligence, I am making every effort to resolve this matter without presenting this matter in court. I am confident that by channeling this dispute through the CFPB, a more simple resolution can be made. If they delete the account, cease reporting it to the credit bureaus, and provide written confirmation of the same, I will consider this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XXXX or XXXX of this year, I negotiated with Discover Loans {$30000.00} over 3 years to consolidate my debt. Although the monthly payment was nearly $ XXXXmonth, it was doable. In XXXX, my husband passed away, and due to a law in XXXX, because I was a XXXX, I am not entitled to his Social Security benefits, thus my income dropped by $ XXXX/month. I immediately called Discover Loans and explained the situation asking for an extension to 6 years ( I understood that would increase the percentage on the loan ), and they refused stating that their policy is that the loan needed to be " 6-months '' old before a modification could be made. I explained that I could not afford the monthly payment and didn't want to default or ruin my credit rating, and they still refused to help me. I ave been paying on the loan, albeit less than the {$1000.00}. I wrote the president of the company and he referred me to XXXX XXXX, in their consumer advocacy division. She has called me monthly to tell me there is nothing that can be done. Now they are charging me additional interest, monthly late fees, and have further suspended charging on a Discover credit card ( which is my lifeline, and I certainly have not been charging frivolously on it ) which has always been current. I don't think my request was unreasonable, but I do feel their punitive measures towards me have been.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company calls me numerous times every day, when I answer they hang up and dial again, I called 2 times and asked them to stop they have called 20 times last week

Company response to consumer: Closed with non-monetary relief