vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been attempting to dispute the incorrect items online, the system says I have to do it over the phone. I continue to call and get bounced around and placed on hold. Right now I have been on hold for over 32 minutes and just want to dispute the errors on my report. The reps take my information, then say I need to transfer to a specialist and I end up back on hold. This is frustrating and unfair. I am interested in purchasing a home and cant get them to even take a valid dispute.

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 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I never received the {$150.00} checking account opening bonus with a {$1000.00} direct deposit even though I've fulfill all the requirements.

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 2018-08-16 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: AZ

Complaint narrative:
I have a problem with my American Express XXXX XXXX XXXX card and i am hoping someone can help me. i was supposed to get XXXX points after spending {$3000.00} in 3 months which i did fairly quickly. In fact, this offer is still on your web page ( screenshot attached ) : https : //online.americanexpress.comXXXX XXXX XXXX XXXX XXXX XXXX  Later, we noticed that the XXXX points had not been allocated even though we had spent the money. We called and they promised to open a case and call us back in two weeks. When no one called, back. we called again and found that there was no case registered. We then spoke to your rep XXXX ( ID # : XXXX ) who opened another case ( XXXX  ) and has again promised a call-back.

Finally, we contacted the CEO 's office and they told us that we would not get the card because we had had the card earlier, which was apparently in some fine print that we were supposed to read.

However, our problem is that we are lay people expected to read many layers of fine print but American Express, with its army of lawyers, appears to have committed fraud by loudly proclaiming the XXXX   points without being equally loud in stating the exceptions. Also, when we are expected to read an unfamiliar contract, why would they not even know that my application would not qualify, right at the beginning? Also, why would not tell me when they at least gave the card? Or when i made the initial requests until it got to the CEO? Clearly, the intent to commit a bait and switch fraud and hope i would just give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I live in XXXX County Texas and my home was damaged during Hurricane Harvey in XXXX. I started the loan modification process for my mortgage in XX/XX/XXXX. I turned in all of the paperwork that was requested but there was this profit loss statement for my home based business. 
I saw that the paper said that I needed a CPA to prepare the profit loss statement but I hadn't made any money because I was displaced. I called my customer relationship manager and they repeatedly told me that I didn't have to get a CPA because my I had not made any money for the period that I was displaced. 

Fast forward to XX/XX/XXXX Bank of America sent me a letter saying that they were going to foreclose on my home. I called Bank of America and the representative told me that none of the Hurricane Harvey disaster victims were supposed to get the letter. On XX/XX/XXXX I called Bank of America and the representative told me that the letter had expired and that my house was in preforeclosure. 

On XX/XX/XXXX I called Bank of America with XXXX XXXX a HUD approved counselor to discussion options for my loan. The representative told us that I had to pay {$7400.00} so that I could qualify for a repayment plan for the {$2800.00} that was left on the outstanding balance. I called Bank of America today which is XX/XX/XXXX, one day later to make the payment and the representative said that I would have to now bring the account current and I would have to pay addition fees.

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 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have over $ 100K in this business checking account. We ave had the account for over 10 years. The bank sent us " marketing questions '' to complete and threatened to freeze our account if we did not answer them. We tried calling the phone number - no answer. We completed the papers and returned them to our local branch in XXXX. We received another letter, we went to the branch. The assistant branch manager discovered that the Incompetent Branch Manager, never turned them in. Last week he assured my husband that he would take care of the situation. Today, Citibank froze our account. I have checks bouncing. First, under what grounds can they legally freeze my account? Second, we turned in their paperwork, so they had no reason to freeze the account. These banking practices need to be stopped. The bank has no right to freeze an account because a client does not answer " questions designed to offer you better products and services ''. I can understand wanting to verify my identity - but they did not want that information. These practices should be investigated.

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 2018-08-16 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: GA

Complaint narrative:
Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
XX/XX/2017 i added voice, the phone, to my XXXX account. The cost is {$20.00} per month. plus Carefree Minutes, World Select 300 for {$9.00} per month. I specifically made it clear that I want the international calling plan for XXXX XXXX. and that is the only reason I needed their phone. I use my cell phone for everything else. They also charged {$10.00} XXXX /month for rental of equipment. I BOUGHT the equipment I did not rent theirs. 
XXXX  charged me {$9.00} per minute for my calls to XXXX. {$9.00} is supposed to be the flat rate for the month if the usage is under 300 minutes. I have complain to XXXX   supervisors even up to their cooperate office. I was told that XXXX is not included in their World Select plan but because it was XXXX 's error in setting up this plan for XXXX they will honor it. They kept removing the excessive charges one month and then added it back the next month. XXXX now send me a bill for {$520.00} for international calls, equipment plus penalty. Convergent, XXXX 's collection agent is reporting this false claim to all the credit bureaus.

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 2018-08-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/2018 at XXXX I received an email stating that my Bank of America ( BOA ) online banking ID was looked up. At the time I was watching a movie with friends,. At XXXX I received an email that my password was changed. At XXXX XXXX my banking ID was used to sign into XXXX ( I had no idea about XXXX prior to this event ). At XXXX XXXX was added as an option for future deposits from my checking account. At XXXX XXXX , XXXX  was added as a possible recipient. At XXXX money was sent to XXXX , XXXX . At XXXX XXXX money was sent to XXXX, XXXX. At XXXX XXXX money was sent to XXXX, XXXX. Around XXXX I received, what was apparently a fraudulent call from Bank of America , ( same number as BOA - I looked it up because they called multiple times ) and they informed me that they suspected fraudulent activity on my account. I provided them with no information over the phone, they told me my email, House address, and phone number and then informed me that they needed to do one last thing to verify that I was who I say I am. They sent me three verification codes via text message, told me I should freeze my accounts and close my card and they would transfer me. The call was disconnect and I called Bank of America back and they informed me that someone had talked to me from Bank of America today but no information was documented. It wasnt until they asked me to verify who I was through text that they realized that I had been a part of a fraudulent case. Lastly, the verification code from the real BOA was in the same text as the impersonator.

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 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
During the year of 2013, I called Sallie Mae customer service to ask for options about repayment. I do not make enough money to complete the $ XXXX monthly payment option, and at that time I was unemployed. I called Sallie Mae customer service about deferment, and they refused, stating that " due to the nature of the loan, your payments are due regardless of whether you have the ability to pay them or not, and will keep accruing interest. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

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 2018-08-16 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
XXXX XX/XX/XXXX, XXXX pop up and asked me to apply fo an XXXX credit card, an due to my purchase I could have saved XXXX. I do shop XXXX frequently. So I applied, and within seconds the response replied that I was denied for credit, because the card holder was Chase Bank. 

This is the second time this happened to me, this happened last summer with the XXXX rewards to receive XXXX travel points. I was denied because the cardholder was Chase Bank I pay all my bills on time. I do not have bill collectors calling me. I have a good credit score, there is no reason that I should have been denied. Other than a person vendetta. 

I had/ and still have a mortgage/ life insurance policy with Chase Bank in which they refused to pay. So any card I apply for in which Chase Bank hold, the refuse to give to me. 

Which in fact Chase owes me the face value of mortgage policy in the amount XXXX policy in which they sold and collected as auto pay and are continue to collect as an auto pay monthly, they have done this to not only me but to several customers during the year of XXXX to XXXX. Chase Bank claims they have done nothing wrong, but actual they have, sold the phone listing to the parties to contact the individuals, and all the transactions happened within the chase account and forwarded every four weeks to the insurance. This places the bank Chase hands on right in the middle of the process, known as the middle man. We as consumers should be protected by these banks, and now the bank is denying my credit for there errors. These accounts should be removed from Chase Bank. A service contract of XXXX is still owed to me from Chase I only received a partial payment of XXXX. When I called Chase I was informed by Chase they did not have my money, low and behold I received a check for XXXX, still waiting XXXX balance. I sent letters and have had no response ... Someone should notify The XXXX account, XXXX. And tell the my story. This my be something I should do if the does not get rectified.this is why Chase refuses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Re : Bank Of America account # XXXX To whom it may concern : Please consider this letter as my formal complaint against Bank of America.

I have sent certified/return receipt dispute letters to Bank of America requesting verification of this account in accordance with FCRA. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Bank of america was unable to verify/validate this account in accordance with FCRA. 

As this account was hindering my credit worthiness, and with Bank of America unwilling to correct their records, I decided to pay the full balance allegedly owed by sending a pay for delete letter and check. On XX/XX/XXXX I sent this contract along with a check for full payment in the amount of {$5100.00} in which they received on XX/XX/XXXX, and cashed on XX/XX/XXXX In the letter and written on the check were the following terms : By cashing this check, you agree to terms of this contract : -Show paid in full. 
-Remove credit items from reports -Cease collections Currently Bank of America has yet to correct their reporting according to the contract. They are still reporting a negative collection account in the amount of {$5100.00} to all 3 Credit bureaus.

I implore your agency to please assist me in having this unverifiable, and paid in full account, removed from reporting on my credit files. Bank of Americas practice is highly damaging to my credit and i would be remiss not to request your assistance with this issue. 

All return receipts, and evidence available upon request if not included in this complaint. 

Thank you for your time and assistance in this extremely important issue : My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX CC : CFPB CC : XXXX  CC : Attorney Generals office : XXXX XXXX Office of the Attorney General XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX XXXX Office of Attorney General State of Florida XXXX  XXXX XXXX XXXX, FL 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 2018-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a court citation and I have no idea why, my name is wrong on the letter and I have to appear tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ). 

I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months. 

On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX  home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS! 

I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done. 

They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith? 

I still think they are trying to avoid paying the {$200.00}

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 monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have multiple student loans that were consolidated with Navient. After struggling to make payments I chose a deferment on my account. Once the deferment was over 1 payment would come out every month automatically but apparently another wasnt set up for autopay. I did not know I had missed multiple payments until they started harassing me about my account. Because I had missed multiple payments of 400 or more dollars a month I was unable to get caught up and my loan defaulted. So now I am rehabilitating my loan to get it out of default and hopefully off of my credit report. As soon as I am done rehabilitating my loan I will be switching companies.

Company response to consumer: Closed with explanation