vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-01 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: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX, I reported that my Citibank credit card was lost and requested a replacement card. When I reported the card lost, I was informed by the Citibank agent that the credit card account number would change but they did not give me the new account number. Since my payments are made using my bank 's bill pay system, the credit card number is essential to setting up a payment and since I had been informed the account number would change, I waited to send the payment until I received the new card. However, I did not receive the card as promised and contacted Citibank again in XX/XX/XXXX. They gave me the new card number and XXXX 'd the new card to me. I immediately made payment to bring the account current, however, I now find that Citibank reported me as 30 days delinquent for XX/XX/XXXX. 
This delinquency is preventing me from obtaining necessary mortgage financing. 

See attached letter previously sent to Citi, requesting correction of this reporting.

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 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation

Complaint narrative:
During the last few days of XX/XX/2017, I met with XXXX XXXX a loan officer at Academy Mortgage. I applied for a loan, not knowing what type of loan but she submitted me as a conventional loan. At very first meeting I mentioned I had lost my house in foreclosure 6 years ago -- -to my best knowledge there are only three types of loans I could get after three years from a foreclosure and that is FHA , VA , or USDA . My credit score at that time was XXXX. She told me no problem that I was approved and we would continue with the loan process as a Conventional loan as I was giving {$70000.00} down. She requested the {$480.00} for the appraisal cost -- During the loan process they issue the loan to another loan officer, XXXX as XXXX XXXX had left Academy Mortgage. Now, I started all over with documents because I was told they could not locate any documents, so I complied only to be told that I did not qualify for the loan because of my foreclosure. So I feel I was taken advantage of because any loan officer should know a conventional loan can not be approved until after 7 years. They should have submitted my loan as an FHA. I am now out {$480.00} and I want it back -- besides you do not order an appraisal until you know a loan is actually approved. I feel I was discriminated due to my language barrier I do not speak English very well. I wan my money back since they made a mistake on telling me I was approved. Please help me get my {$480.00} back. Also, I am attaching complete Letter I wrote to Academy mortgage requesting my money back and they have not responded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA

Complaint narrative:
A credit report dispute was submitted to XXXX on XX/XX/XXXX and completed XX/XX/XXXX via XXXX XXXX in regards to XXXX XXXX XXXX, XXXX. I contacted XXXX to request " debt verification '' letter because I was unfamiliar with the alleged debt they were trying to collect. I was unsuccessful, XXXX was very uncooperative so I enlisted the help of the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and forwarded supporting documentation. The XXXX acted as an intermediary and relayed my debt verification request to XXXX for a second time on XX/XX/XXXX. After some investigation we found that all the contact information on the account belonged to a totally different person. XXXX still maintained that there information was correct. 

More than thirty days have passed since the initial inquiry and XXXX has not been able to provide sufficient proof of alleged debt, so I am requesting that the debt for {$1100.00} from XXXX XXXX XXXX XXXX XXXX, XXXX be removed from my credit report expeditiously. 

Please notified XXXX that if you do not comply with this request, immediate action will be taken against them with the Federal Trade Commission and the Florida Attorney Generals office for violation of Fair Debt Collection Practices Act Section 807 ( 10 ( 11 ) and 809 ( 15 ). Civil and criminal claims will be pursued.

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 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I have been trying to discuss with XXXX XXXX that this account is not mine. I asked for proof of the debt they sent me a pay history with no names attached only dates and the address listed is not my address. I have tried several times to advise a rep, who tells me i must pay and very rude might I say. Now is on my credit report and I am not attached to this debt any other way at all. Thanks

Company response to consumer: Untimely response
Consumer complaint received 2018-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/17 I got an alert from Chase about increased activity and a " corrupted pin number ''. I told agent which charges were not mine. She credited me. Then today I got another letter from Chase saying they were not crediting me, withdrew the money and added the fees because thief used a non-Chase atm! Manager at Chase stated there was " no way my card was compromised " if I still had it in my possession. I was told that the investigation did not include looking at the Chase ATM footage .He said " other people have given friends their cards and Pins then falsely claim money was stole. '' He told me my case was closed and I would have to go to Police and get a subpoena to have someone look at the Chase ATM. It's not alot of money but its all I have. I had been an established customer for some years with this bank. I feel I was discriminated against and prejudged because I am a young female. How do I try to get it back,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-01 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: AES/PHEAA
State: TX

Complaint narrative:
I have 9 fed student loan accounts that were dinged 90-119 days late. The time the accounts show late in in XX/XX/2015.  I had a retroactive forbearance approved for those specific dates yet they still report negative on my credit report. I have filed a dispute with the credit bereaus and XXXX has sent a reply saying the accounts have always been in forbearance. Its impossible for there to be a late payment if the account has always had a Forebearance. It is not right for them to charge massive interest during the forbearance period and say that I was late. I need this fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED.

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express is exploiting flaws in the CFPB Process. 

The complaints are supposed to be reviewed in 15-60 days. American Express insetad responds immediately that " they are investigating '' and closing the complaint without providing their final response. 

Because CFPB automatically closes out the complaint once the company responds, it allows complaints to be closed with no substantive response from the business. 

In one case American Express closed a complaint 2 days after being filed with this tactic. They never responded with the outcome of their investigation. Given that CFPB gives 60 days for a company to respond, their is no reason to respond within 2 days that they are investigating other than to show they are timely responding and forcing the customer to give feedback before the investigation is complete. 

This leads to the second part of American Express exploiting flaws in the CFPB Process. 

CFPB reports that another complaint can be given on this issue of closing out the complaint without providing an actual response. American Express responds to that complaint as a duplicate and allows it to be closed without actually responding. 

This duplicate status marked by the company, does not even give the customer the ability to provide feedback to the duplicate status. 

So a company can never respond, and allow no further complaints to CFPB with this strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I made XX/XX/XXXX and XX/XX/XXXX payments on the Nationstar ( Mr. Cooper ) website.

The website showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late on XX/XX/XXXX. It also showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late XX/XX/XXXX. I made XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX. This is clearly within the dates give and not late. Please see the attached pictures of the website showing these dates. 
BUT, my payment was marked late. I was charged fees and negative statements were sent to the Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have a private student loan through navient. I've been repaying on my loan for 10 years and the balance has stayed the same. How can I pay on something for 10 years and not even knock out the interest! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
MoneyGram cancelled my transaction ( {$2000.00} ) due an error. Despite the cancellation, they withdrew the money from my checking account. They said it may take up to few weeks to get my money back. That's not fair. I sent the money on XX/XX/, they cancelled the transaction on XX/XX/ and withdrew the money on XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: Santander Consumer USA Holdings Inc.
State: OR

Complaint narrative:
Complaint number XXXX - Santander is absolutely lying and the CFPB has absolutely done nothing to help. First of all, the information in their response has nothing to do with the complaint, or very little ... THEY ARE ONLY REPORTING NEGATIVE INFORMATION WHICH IS ILLEGAL AND THE STATUS OF THE ACCOUNT IS INCORRECT! My credit reports show an open account with ONLY NEGATIVE REMARKS. Here is a confirmation number from an unanswered dispute/investigation from XX/XX/2017. XXXX. This dispute/investigation has yet to be answered by them and simply because of this, the account and its remarks need to be removed from my reports. The account is not open, and they can not ONLY REPORT NEGATIVE INFORMATION. IT IS A VIOLATION OF THE FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express card Holder for 11 years, recently I had a situation occur where I made a clerical error in linking my Business card to an inactive checking account because I mixed up my account numbers. This caused several returned payments to American express. However, when this happened Amex would contact me and I would make my payment to them over the phone still paying the account on time and as agreed. There was some confusion at my bank and I couldn't figure out why payments were being returned. However despite this issue I always paid the account as agreed on time. Without any warning Amex closed not only my business card account but my personal card account as well even though my personal card was in perfect payment standing. They did this without notifying me properly. When I called customer service I was routed to an office in XXXX, where there were language and cultural barriers that greatly hindered any resolution to the problem and they refused to help me. When I asked what was going on they said my accounts were flagged by an " algorithm '' and automatically closed because of returned payments. After being a loyal customer for 11 years and paying my card on time as agreed despite a small clerical error. I expect superior customer service and humans that can think and reason to address issues created by XXXX " Algorithms ''. Further when I asked why my personal account was closed too they had no viable answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
card is charged for the same amount of my payments made to pay off debt. the " return '' charges show up as purchases and capital one will not remove these fraudulent purchases. instead dropped off my account from credit bureau report and sent my account to collections..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I worked for a company that had a company account. The company went out of business in in XX/XX/XXXX. I had a company card, and the account was with American Express. There is absolutely no contract between myself and American express. In XX/XX/XXXX, they assigned the company debt of approximately {$15000.00} to by personal credit score. I spent the next three months trying to get them to assist, consistently I was transferred, put on hold and hung up on spending more than 40 hours on  the phone. 

Finally, I disputed this 6 times through XXXX. American express rubber stamps that it is accurate and they won't assist. I call them multiple times, they say they no longer have my account and can not help. They indicate its been moved to national credit collections agency. 

I have spent over 8 hours on the phone with the XXXX XXXX XXXX XXXX. They have offered to let me buy them out at a XXXX to have it removed. I told them I would pay that to get out of this horrible nightmare, but I wanted to see the contract between Myself and American Express. Three times they sent me the card holder terms and conditions, but no contract between myself and American Express. 

I'm trying to avoid getting a lawyer and spending more money, so XXXX personnel told me I could contact you on this false negative credit issue. I had a XXXX credit score, and have never missed a payment in 20 years. I now have a XXXX score, and couldn't even finance a car. 

FINALLY, THE ACCOUNT THEY INCORRECTLY ASSIGNED TO ME WAS OPEN FOR YEARS. IT SHOWS NO HISTORY IN MY CREDIT REPORT EXCEPT WHEN THE SENT IT TO COLLECTIONS IN XX/XX/XXXX. Per the company accountant, this account was in good standing for a long period of time before they assigned it to me personally. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Debt collector has gone as far as to contacting both my parents multiple times a day, every single day. After repeatedly, polite requests to stop- yet continue to do so.

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 2018-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
Someone took out credit cards in my name with out my consent. I have not authorized anyone to use my name or ss #

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I purchased a mattress from XXXX directly on XX/XX/XXXX using the credit/installment loan payment option. During the online purchase I reviewed several different mattresses and decided on one that was on sale. The website clearly indicated that all mattresses had a 90- day free trial. Since this was the first time I was purchasing a mattress from this company, that trial period was integral to my decision to purchase a mattress from them. I tried out the mattress and on XX/XX/XXXX called the company to find out if I could exchange it. It was OK but not very comfortable. The agent told me that the specific model I purchased was a " closeout '' product and that all closeout products were not eligible for the 90 day free trial. I checked my email confirmation and there as no indication that I had purchased a " closeout '' item. But there was a very small disclaimer at the bottom of the email that closeout items were not eligible for the 90 day trial. I also checked the terms of the 90-day free trial online and there was NO indication of a limitation for closeout items. It ' s available here : XXXX : XXXX The company refused to honor the 90-day trial and I am now stuck with a mattress that I don't like that I will need to continue to pay off in installments to Wells Fargo . I am  very concerned that the company deceived me during the purchase of this item and did not clearly disclose that the item that I purchased was not eligible for the free trial. In addition, both the website and the email include multiple references to the free trial, and there is no caveat or exception called out. This is clearly a marketing technique used by this company and it was the differentiating factor that convinced me to purchase from this company. I feel deceived and cheated.

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