vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I physically mailed the note below to American Express I have called multiple times and each time I get passed around to multiple departments ... customer service, membership awards, technical support. 

Since my last call I have added the following points : 1 ) My account was closed XXXX  XXXX, They have record of me calling to check on the issue XX/XX/XXXX 2 ) They have responded to me via electronic notification but because they closed my account I have no way to get to their message or response. Additionally, no one in support can help me get that message 3 ) I was not notified or checked in with to confirm if my account should be closed at any time. Nor was any thought or care given to what I recall as XXXX rewards points 4 ) I believe customer support said that they did receive a payment from me for the membership fee. This is also odd Letter I sent to American Express. 
To whom it may concern, I have been an American Express Member since XXXX and one of my key reasons for being a long time regular member was the XXXX rewards program. 
Unfortunately my business has slowed down recently but is picking back up. I called in yesterday to check into my account and identified 1 ) my account was closed 2 ) my membership rewards are not accessible I know I had accumulated nearly 1M points and that is very important to me. and I also did not receive a notification of account closure etc If I was notified I would have addressed any issues immediately. 

I was able to call in recently and I believe a case is opened under my name. 

My ask ( s ) : Can I get my account reinstated? 
Can I have my points reinstated? 
If there are any issues can you let me know and I can resolve immediately. 

Again, I am a loyal long time member. I have shared my experiences with countless business and family members to encourage their using XXXX. My family members who are also members are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I would like to continue to be a champion for American Express and their rewards. I find myself in a tough situation with my card being removed, my point balance, and no notification. 

My account information : XXXX XXXX DOB : XX/XX/XXXX Account ending in XXXX Last four of social XXXX Account address : XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX, XXXX CA XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
IQ DATA sent letter agreeing to remove fraudulent collection but is still reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Through numerous requests, I've followed the guidelines of the FCRA in requesting that Equifax fulfill their mission statement and report accounts with integrity. Equifax have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based, which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Equfax, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX  accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Equifax have NOT verified this information and they need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MNS & Associates LLC
State: CA

Complaint narrative:
Called family members claiming I used them as reference on credit application, asked them for my Social Security Number and address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX agreed to remove item from my credit report, however this company continues to report this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I have been called almost every day, sometimes multiple times a day by XXXX XXXX XXXX XXXX. They call me from at least 5 different numbers, and only sometimes leave a pre-recorded voicemail on my cell phone. I haven't received any kind on information from them regarding what the debt is, who its from, or any other kind of information. The consistent phone calls just one day started. I have just recently found out about writing a debt verification letter, and a cease and desist of communication, and will be sending out those letters asap. I have also just started not deleting my voicemails from this company as a proof of their harassment and persistence.

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 2019-01-29 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: CA

Complaint narrative:
2 withdrawls both for {$300.00} apiece at atms both on XX/XX/XXXX .they do not list locations on the report..but because they say my chip card was used and that they can not be duplicated and that it happened within 100 miles of my residence that they denied my claim..they refused to look at the atm camera photos. They refused to send me to a supervisor when i asked them to give me a supervisor.i called them today XX/XX/XXXX around  XXXX..they put me on hold and never came back when they said please hold ill see about your options..there is no way i took out this money..first of all i thought my limit was {$300.00} a day..i gaurantee if they looked at the atm camera shots that they would see it was not me nor anyone i know..i dont know who the think they are stealing my hard earned money..but i need this money for rent and i will be very upset if i loose my place to live because of there inability to perform investigations of claims ..please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I initiated the transfer of money to my home account in XXXX on XX/XX/2019 through Western Union via XXXX to my family account. The money transferred {$1100.00} went into Compliance check very next day and I submitted information asked by them. Later I got reply that this process will take up to 5 days, but even after 20 days I have not received any update on the same or any reply to my multiple messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Lincoln Educational Services Corporation
State: NV

Complaint narrative:
Lincoln Tech has made a poor attempt to work with us on a payment plan with my sons student loan that I was a co signer on. A late payment was reported to the credit agencies even though We never recieved any statement bill showing payment due and money owed. I attempted to call to enroll in a one time forgiveness repayment plan and they were not accommodating at all. I would like an investigation to help restore my once perfect credit back!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've been disputing a specific account " XXXX XXXX " with Transunion for some time now. I've requested their Method of Verification since XX/XX/2015. I've sent over 5 certified letters regarding this collection as well as the original creditor. 

XXXX XXXX, the collection agency, has failed to provide any documentation showing this account belong to me. In addition, Transunion states they continue to 'verify ' this information. I've requested how were they verifying and was told over the phone from a representative that they verify electronically. How is that so? And what does that have to do with the FCRA 609 ( a ) ( 1 ) ( A )? You must provide me with physical proof, which is the original signed consumer contract with my signature on it for this account. That's your job as a credit bureau to obtain this from the collection agency.

Moving forward, I've reached out to the original creditor as well and sent them numerous FCRA 623 certified letters.. To begin with, they have NO WEBSITE, ARE NOT XXXX   ACCREDITED, AND DO NOT RESPOND TO PHONE CALLS ... HOW ARE YOU GUYS VERIFYING THIS ACCOUNT THEN?! I don't even know who these people are, however, what I do know is that every business and reporting entity should be able to be found on the internet! " XXXX XXXX   XXXX XXXX, XXXX '' is not an established entity who can provide any documentation as to who they are or how they have my information. 

I have informed Transunion about THIS AS WELL, and have investigated repeatedly as I currently am, and they refuse to give me a PROMPT response with required documentation. However, they continue to report this account while failing to provide any method or form of verification. ILLEGAL!

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 2019-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2018 I deposited a check in the amount of {$370.00} with Fifth Third Bank. After 4 to 5 days I called Bank customers service regarding my check status, the representative told me that your check returned due to non sufficient fund, when I called to confirm their claim to check issued institution XXXX XXXX and they stated that check was cashed on the same day XX/XX/2018 and my bank put illegal hold on my fund for 10 days to use my money for other business and giving me falls information. 
This is not a first time they have been doing the same thing since very long and I would say its a regular practice of the bank to put unnecessary hold on checks. 
Bank also hiding the information of the back of check facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I submitted dispute to Equifax they requested that I fax in a number of documents. The fax number they provide on their forms is incorrect and has been this way for over a year. I have attached the form. Call the fax number yourself ... it's disconnected Clearly - they haven't corrected it to make the process more difficult for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I own a rental house located at XXXX XXXX XXXX, XXXX, TX XXXX. I received an approval for a permanent modification that I had made 4 trial payments before they approved this final approval dated XX/XX/19. The modification is written like a hard money loan with all kinds of bogus fees and late charges that I didn't know I was being charged. They also have the terms of this modification to included a balloon payment of {$100000.00} at the end of the payments. Please review these modification documents I will send with this complaint and it will show you everything I'm trying to explain here. The 3 -4 payments that I had paid were put in a forbearing account and not applied towards the mortgage balance. It appears to me that not any of the payments I've made over the past years were never applied towards the principle balance. Instead they have increase the original loan to over {$70000.00} in fees I just don't understand. I thought that a loan modification was to help not punish me because I had some hard times. I've suffered through 2 hurricanes Ike and Harvey that caused me damages and my house is in need of much repairs. This lender has inflated the value of my house by over XXXX XXXX XXXX dollars. They had a broker do a BPO that was done by computer sales of properties with the same square footage, but they were not in the same community as well as these houses were not in need of repairs as mine is. Please help me understand why this lender is trying to hurt me and not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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've tried to correct this issue with Equifax several times there's an account that does not belong to me reporting on my credit file. The account was opened under a different social security number and the creditor has verified this information with me I have a letter from the creditor stating that this account doesn't belong to me yet Equifax is still reporting XXXX XXXX and XXXX. I want a re-investigation because the account wasn't opened under my social security. Equifax mixed my credit file with someone elses and gave them my address but the account wasn't open under any address that belonged to me or my social but now Equifax has provided them with my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-29 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: NV

Complaint narrative:
Through numerous requests, I've followed the guidelines of the FCRA in requesting that Experian fulfill their mission statement and report accounts with integrity. Experian have failed to provide me with ANY documentation or physical proof of their methods of verification, even though I've requested them with numerous certified dispute letters. All of these letters were FCRA 609 ( a ) ( 1 ) ( A ) based,  which means they were obligated to provide me with a tangible original signed consumer contract with my signature on it, showing that they've effectively investigated every account I've disputed. 

In addition, neither Experian, the collection agency " XXXX XXXX '', or the original creditor " XXXX XXXX XXXX XXXX XXXX '' have responded since XX/XX/2015 with ANY documentation. When creditors and collection agencies don't respond to a FCRA 623 letter, I have no choice but to direct my dispute with the bureau. I'm NOT claiming identity theft, instead, I am demanding that this account be removed as it does not belong to me and I have no knowledge of it's origin! 

I have sent my non-response letters, therefore how are you verifying something that I absolutely can not get verified? The original creditor is not XXXX accredited, they do not answer their phone, they have no website or email address, and XXXX says it's an entity of two employers, their company isn't even registered with the CFPB. Who are these people?! Nobody knows! And ultimately, I no longer care. What I do know is that Experian have NOT verified this information and they need to be removed from my credit report.

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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove any and all fraud alerts and freezes attached to my name and credit report.

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 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove any and all fraud alerts and freezes attached to my name and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove any and all fraud alerts and freezes attached to my name and credit report.

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 2019-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a new checking account with fifth third bank on XX/XX/2018 with {$50.00} deposit. About a week later I check the transactions, the new account is negative {$60.00}. The two transactions were XX/XX/2018. The first transaction was for {$27.00} and the second transaction was for {$40.00}. I did not do either of these transactions. My new debit card did not arrive at my address yet. I called customer service to explain these fraudulent transactions. 

Also, the transactions were made in XXXX XXXX and XXXX XXXX XXXX. I have not been in this area of the city in months. The merchant that approved these transactions should have cameras. Were these debit or credit transactions? If pin was used, how was it activated? If credit, you can compare my signature with the thiefs signature. Fifth third sent me a letter stating they will be reversing my temporary credit of {$67.00} on XX/XX/XXXX. The bank states the card was not reported lost/stolen. How can I report card lost/stolen if I was still waiting to receive it by mail? I want my {$67.00} back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX ripped me off. The made me believe that my total debt for the school loan would be {$40000.00}. Considering that I earned an XXXX and a XXXX XXXX that I owed less than {$17000.00} on, I thought that the {$40000.00} would not be bad due to the fact that I did not have excessive student loan debt. As a single woman and a XXXX I strongly considered the loan amount/debt. XXXX continued to encourage me to take out loans and they took forever to get through the dissertation process. This school is a money pit. The closer I got to depletion my funds for a loan the school decided to concoct a story staing that I had plagerised. I was near the end of the program. Why would I purposely do such a thing? I would not. I went to a hearing to let the school know that I was ill and had been in the emergency room the week of the XXXX Exam ( which is what they said I cheated on ). I showed them the documentation. According to my credit report my student loan balance is over {$400000.00}. As a single XXXX I would never put myself in harms way like this. This student loan debt on my credit report is preventing me from living. I am unable to secure a loan for a home or car. It ; s stopped me from doing many things. To make matters worse, I did not even attain a degree from this school. XXXX XXXX robbed me and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Disputed two transactions and provided proof of the refunds. Chase is refusing to credit my card, has charged me late fees every month - even if payment is on time. They need to credit the {$15000.00} for pending refunds.., and all the months late fees where the payments were actually made timely. I will not be making payments on any cards accounts with them until they correct.

Company response to consumer: Closed with monetary relief