vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
I have written and called both Stewart, Zlimen & Jungers , LTD. and XXXX XXXX XXXX. and they continue to send this fraudulent bill/statement. I have no nor have I ever had any affiliation with either company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN

Complaint narrative:
This law firm, Stewart , Zlimen & Jungers , LTD, Ive never heard of representing a company, XXXX XXXX, Ive never heard of has sent a letter saying they are a debt collection company and a law firm and they stated that Ive teceny been served with the Statement of Claim and Summons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
Credence and XXXX : This is the third time Ive submitted the fraud packet and included a police report file number. Ive now had to file 2 different reports with 2 different police agencies. I have submitted the information as requested and have provided proof that Ive been with XXXX XXXX XXXX on a family plan for 22 years ( 1997, when I turned XXXX ). Ive never had service with XXXX and when I originally dealt with this, XXXX assured me we had no business and they closed the fraudulent claim. How it has been resurrected, an invalid and fraudulent claim, is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX acceptance for XXXX. 
Thank you.

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

Complaint narrative:
Since XX/XX/XXXX, I have been disputing this XXXX XXXX XXXX  for this Medical Bill from XXXX Hospital on my Equifax Credit Report, and Equifax always came back with account verified. I also disputed this in XXXX and today XX/XX/XXXX this account came back verified. I am baffled because I provided documentation to Equifax that shows that I do not owe this account. Furthermore, I had file a complaint to CFBP concerning this account and I received response along with a letter from this creditor that states that they sent the information to have this account deleted from all credit bureau agencies. I received confirmation that this account was deleted except from Equifax that came back today with the results of my investigation that says this account was verified. I am frustrated with the incompetence of the ones that works in the dispute department at Equifax because they are not doing there job accurately and efficiently. Please delete this incorrect information for the thousands times off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
On XXXX, I was approved for an American Express Gold Card Membership with a promised : 1 )  XXXX Membership Rewards Points for {$2000.00} spend in the first three months 2 ) 20 % cashback as a statement credit on all restaurant purchases up to {$100.00} in the first three months. As of XXXX, I was notified by one customer service agent that I was not eligible for the sign up bonus. This information was never communicated to me either through email, the American Express portal, or though certified mail. This was escalated to a supervisor who indicated that the XXXX Membership Rewards points bonus would supposedly hit two to four weeks after XXXX ( when the spend threshold was hit ) and the {$100.00} statement credit would post in 8-12 weeks. Then they notified me that the bonus was rescinded because a late payment from XX/XX/XXXX. This issue was already previously rectified with another agent, where I had set up an Automatic Payment in the system, but failed to realize it wouldnt fire off until XXXX. Upon discovery of the issue on XX/XX/XXXX, I immediately made the payment in full to rectify the issue, so the issue was considered a misunderstanding/miscommunication and closed. I was told that there would be a follow up in 2-3 weeks. CASE # XXXX XXXX After not hearing back from 2-3 weeks, on XXXX conversation with American Express front end customer service. Verified that spend requirements were met and bonus should be on account. Back end needs to follow up and verify bonus to be applied to account XXXX XXXX # XXXX Called XXXX into the rewards and customer service department. At first, they claimed there was no record, then they claimed the closed the investigation. No resolution was communicated and nothing was added to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I tried telling whoever they my be that it's not me. I have never held a job or not paid my bills. I am neigh targeted for some unknown reason and I in no way can pay 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 2019-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX, WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO RESURGENT CAPITAL SERVICES LP XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / XXXX thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise. 

Thank you for your prompt attention to this matter. 

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a credit report for years XXXX through XXXX from your credit reporting company. 

1 ) You have two apartments listed at the same location, I never owned an apartment at the following address : Incorrect Address : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, TX XXXX 2 ) I never owned an apartment at : XXXX XXXX at XXXX, XXXX, TX XXXX 3 ) You have several names on this report to which causes concern, I have never signed my name to any document as : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or 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 2019-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / LIBELLEE thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I just pulled my XXXX  credit report found that XXXX XXXX had put a mysterious amount on credit. I have paid them everything I needed to pay all months and on time due me being on auto-pay. My free cancellation due to move outside of building radius of 40miles doesnt seem to be free after all. I moved to a whole different city with no XXXX In sight. I spoke with customer service over the phone in XX/XX/2017 and everyone seemed to be genuine. Im looking for a resolution to this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I received an advertising email from Citi Bank offering me a new Credit Card in their XXXX XXXX AAdvantage program ( see attached Citi_Invitation_Email.PDF ). The biggest bonus is to earn XXXX XXXX XXXX Frequent Flyer mile if I spend {$3000.00} in the first three months of account opening. 

On XX/XX/XXXX I follow the instruction of the email and applied. The application was approved the same day ( see attached Citi_Approval_Email.PDF ). 

Three months went by, I spend more than {$3000.00} with the card and I have not received the XXXX bonus miles. I connected their customer support and filed a dispute. On XX/XX/XXXX they inform me the reason why I have not received the XXXX miles bonus is because Terms and condition state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within last 24 months. ( see attached Citi_Account_Mail.jpg ). 

It is true that I had a similar card ( already cancelled prior to XXXX but within the last 24 months ). 

My dispute is as follow : 1. Why would Citi Bank send me an invitation to a program that I am not qualify? 
2. Why would Citi Bank approve my application if I am not qualified for the program? I post this question to Citi Bank ; their answer was that my credit qualifies for the card but not the bonus. 
3. Why would Citi Bank not inform me of this problem upon approval?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Opened Platinum checking account on XX/XX/XXXX and was to receive a {$400.00} bonus within 90 days of making a {$1000.00} direct deposit. ( Application ID : XXXX ) Citizens bank responded to my inquiry on XX/XX/XXXX as follows : " The bonus is paid out on our promotions 90 days from the date that the requirements of the promotion are met. Your account had a direct deposit of at least {$1000.00} which posted on XX/XX/XXXX. Therefore it is too early for the bonus to post. Please allow the appropriate time frame. '' 90 days would have been XX/XX/XXXX. As of XX/XX/XXXX, the bonus has not yet posted but a service charge of {$25.00} posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 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: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Mr Cooper has failed in correcting all 3 credit bureau 's pretaining to my mortgages.they have lied and lied over again since XX/XX/XXXX one month after I had the U.S. bankruptcy court in XXXX XXXX XX/XX/XXXX to re open my bankruptcy case of my reaffirmation that the judge made them sign and file by XX/XX/XXXX Mr.Cooper has only reported to XXXX reporting agency.they lied about reporting payments to XXXX, & XXXX.these reporting agencies and I have been discussing this issue since XX/XX/XXXX is when Mr Cooper was ordered to start reporting my payments and add my mortgage payments back onto the tradeline.Mr.Cooper has cause me a great deal of mental stress and they need to be seriously sued in a court of law.Mr Cooper knows I'm trying to refinance my home in XX/XX/XXXX and they are blocking this from happening with another Lender ... they need to be seriously fined by the CFPB.as soon as possible.they are big Lyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom It may concern. My problem seems to be with Equifax providing wrong Information to XXXX and XXXX XXXX about my account. I applied for these cards on XX/XX/2019. I was told by credit karma my score was good to sign up. However Equifax as wrong information. I had this credit cards years back XXXX XXXX. XXXX XXXX XXXX loans took it over at some point. In Late XX/XX/XXXX this was all paid off. They agreed to remove any late fee 's and any negative reports on my credit and that my credit would be fixed with all credit companies. XXXX has no problems. Just seems to be Equifax. I do not want to have tons of Hard Inquiry 's due to applying for same card twice due to this misunderstanding. If someone can call me as soon as possible to resolve this matter. I feel this Is totally unacceptable and Equifax should stick to there word and remove this from my report since I paid as agreed upon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
I have been paid ahead and never late on my payments on my mortgage, yet every month I receive a letter stating I am 2 months behind and a penalty is applied. 

My mortgage payment started XX/XX/XXXX and below is a list of all the payments made since then. 


I have made total payments on my mortgage since XX/XX/XXXX of {$9700.00} in 6 months. My monthly mortgage payment is {$1200.00}. 

Total payments : XXXX was paid in full on XX/XX/XXXX with a {$1300.00} payment Payment of {$630.00} was paid from my XXXX XXXX XXXX  account plus {$650.00} on XX/XX/XXXX and {$650.00} on XX/XX/XXXX from XXXX XXXX  to pay the XXXX XXXX. Then on XX/XX/XXXX another {$1300.00} was paid all for the XX/XX/XXXX bill to make sure when I signed up for semi-monthly payments there would be no issues. 
In XXXX, XXXX payments on XX/XX/XXXX and XX/XX/XXXX of {$650.00} each were paid towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XX/XX/XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made on XXXX and XX/XX/XXXX towards the XXXX bill. 
In XXXX, XXXX payments of {$650.00} were made XXXX and XX/XX/XXXX towards the XXXX bill. 
A payment of {$650.00} is scheduled to be made on which will apply towards the XXXX bill. 

Every month a new letter or statement comes in that states I am 2 months behind and a penalty of {$41.00} is applied. 
I have called JP Morgan several times and have been told that this would be straightened out. By applying late penalties to my mortgage they are destroying my good credit because this gets reported to the 3 agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I started employment with the Federal Government in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX XXXX took over my XXXX consolidated loans and they have incorrectly calculated my PSLF payments. I have made XXXX qualifying payments from XX/XX/XXXX to XX/XX/XXXX. See attached and new PSLF certification. Given XXXX error and their unwillingness to correct it I filed CFPB complaint XXXX in XX/XX/XXXX. XXXX reviewed the information and increased the number of PSLF-qualifying payments to XXXX. Which is an error. XXXX did not dispute any of the qualifying payments that I have been making since XX/XX/XXXX which total XXXX as of XX/XX/XXXX. The only issue they claimed was that I remitted a partial payment in XX/XX/XXXX, rather than the full monthly installment. This is an error because I made a full payment in XX/XX/XXXX ( I had overpaid and they added the overpayment to the bill ). See attached. CFPB did not give me an opportunity to counter XXXX error and closed my CFPB complaint. The evidence shows that I have made XXXX full payments under a PSLF qualifying repayment option. XXXX did not dispute this and only claimed that their only issue was that I made a partial payment in XX/XX/XXXX. The attached evidence shows that XXXX is mistaken because I made a full payment in XX/XX/XXXX. Given that XXXX does not dispute that since XX/XX/XXXX I have made payments under the qualifying repayment options for the PSLF my payments need to be corrected to XXXX. Please help me correct XXXX mistake in calculating my PSLF qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have written several times asking for VALIDATION and PROOF that I applied for and own. XXXX XXXX credit card. I have gotten no assistance in this matter and no response in timely manner. 

I am asking that this account be validated showing a SIGNED contract with myself and XXXX XXXX   on behalf of XXXX XXXX. 

If this account can not be lawfully validated I ask that this account be removed from my credit report and discontinue collections attempt and reporting.

Company response to consumer: Closed with explanation