vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-22 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: CO

Complaint narrative:
On XX/XX/19, I applied for an American Express Starwood Preferred Guest credit card with a promotion to earn XXXX points after spending {$3000.00} in 3 months. Under the Offer Terms, it states : " Welcome offer not available to applicants who have or have had The XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX XXXX XXXX Credit Card from XXXX, The XXXX XXXX Credit Card from XXXX, or The XXXX XXXX Credit Card from XXXX XXXX in the last 30 days. '' I haven't had any of these cards in over a year, so I applied. When I received the card I activated it on XX/XX/19 and called to confirm the above referenced promotion. I was told I was ineligible and was told the offer terms were different than what I had recorded when I applied. American Express opened a case to investigate whether I was eligible. 

On XX/XX/19, I spoke with an American Express agent who said the investigation confirmed the wording of the offer terms I originally referenced, but said I was still ineligible, without citing any specific violation. I have not been an account holder of any of the above referenced XXXX accounts in over a year. I was told to submit screenshots of the related account closures with XXXX. An additional investigation was opened and I was told it could take 6 to 8 weeks to resolve. 

Meanwhile, the original American Express offer opened for this credit card was to spend {$3000.00} within 3 months of account approval, which will be approximately XX/XX/19 If I wait for the investigation to complete ( 6 to 8 weeks from XX/XX/19 ), I will have passed the deadline to complete the minimum spend and will definitely not be eligible for the bonus promotion. I noted this to the American Express agent on XX/XX/19, and was told the investigation might be finished sooner and I could choose to make the {$3000.00} spend or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a citi doublecash card with a 0 % promotional offer. On XX/XX/XXXX I was charged {$74.00} in interest. I have not used this card for any cash advances etc. I asked for a supervisor and they said that the supervisor will tell me the same thing that they do not see the offer on my account. They also said they are not even sure if they have branch locations in my area. I asked to cancel or rectify the situation and I was transferred to nowhere. I am having an extremely difficult time getting this situation taken care of and in the meantime they are mailing me more and more 0 % credit card offers for the same card I already have.

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 2019-03-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent.

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with XXXX, Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been enrolled in school full time since 2016. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are 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 non-monetary relief
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX agency. there is evidence demonstrate how XXXX XXXXonsumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
IamtryingtodoaabalancetransferfromCapitalOnetoXXXXXXXXXXXXXXXX.XXXXXXXXsendsoutphysicalchecksaspartofthebalancetransferprocessandsentCapitalOneacheckfor{$7200.00}onXX/XX/2019.TheCapitalOnehasnotcashedthecheckandthebalancehasnotbeentransferred.IcontactedCapitalOneaboutthistodayandwastransferredtoatoaseniorsupportrepresentativewhocalledXXXXXXXXona3waycall.Thedateofthecheck,addressandamountwereconfirmedbyXXXXXXXXbuttheCapitalOneRepresentativestatedthattheywouldnotinvestigatetheissue,orseeiftheyhadreceivedthecheckuntilthecheckhadbeencashedbycapitalone.TheXXXXXXXXRepresentativestatedthatthereareanumberofXXXXXXXXmemberswhoarehavingthesameissuewithCapitalOnenotprocessingthechecksmailedtothemaroundthesametimeandareinvestigatingtheissue.NospecificsweregiventomeandCapitalOnerefusedtoinvestigatetheissuecompletely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a letter from Bank of America Dated XX/XX/XXXX informing me that my account has been closed, no reason given. I called the customer service and also the bank and I was told that my account is being investigated and after the investigation they will send me a check of what ever I have in both my checking and savings. I received another letter dated XX/XX/XXXX accompanied with a check in the amount XXXX as what is left in my savings account. While still expecting the balance in my checking I received another letter informing me that after their investigation my account has finally been closed with balance of {$37000.00} and no money will be refunded to me. I want you to use your good office to look into it and recover my money for me. Attached is the letters and balance from Bank of America.

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 2019-03-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I opened a student loan with XXXX XXXX XXXX in XXXX and in XX/XX/XXXX it was transferred to another company. The loan with XXXX XXXX XXXX was closed after the transfer. I have not made a payment to this account since then, nor am I required to, since this account number has been closed for 7 years. 
For the record, I am current on my student loans. 

I was recently applying for credit when I was notified that I had fallen behind on this loan. When I checked my credit report on XXXX XXXX, I discovered that in XX/XX/XXXX this account was reported XXXX days past due. Then again in XX/XX/XXXX thru XX/XX/XXXX this account was reported late to the credit reporting agencies for a total of 5 months late. 

I filed a dispute with Equifax in XX/XX/XXXX. After an investigation, the negative information came back unchanged. In fact, they added XXXX more months of late payments. The report now reflected late payments in XX/XX/XXXX and from XX/XX/XXXX thru XX/XX/XXXX for a total of 11 months late. 

Again this account was closed and transferred in XXXX. I have not made a payment since. How is it that 4 years after the account is closed, the company reported my loan as late for 11 months and then stops reporting it late? Also, after an investigation by Equifax, how can the company verify this information as accurate and add negative information instead of removing it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/XXXX, a lease agreement for XXXX XXXX XXXX was signed with US Bank. Exhibit # 1 According to box # 4 from the agreement, the first payment of {$320.00} was collected on the Lease date, followed by 35 payments of {$320.00} due on the 31st of each month. 
The first payment was made by the credit card a few days in advance, XX/XX/XXXX. Exhibit # 2 On XX/XX/XXXX, I received a welcome letter from US Bank with account # XXXX On XX/XX/XXXX, I made my second payment of {$320.00} On XX/XX/XXXX, I received a letter from US Bank indicating that my account number has been changed from XXXX to XXXX for a strange reason ( Due to an internal processing error ). Exhibit # 3 Due to account number changed my second payment posting date changed from XX/XX/XXXX to XX/XX/XXXX. 
On XX/XX/XXXX, my last payment ( 36 ) of {$320.00} was posted. 
On XX/XX/XXXX, I received an additional statement from US Bank generated on XX/XX/XXXX with the same amount and due on XX/XX/XXXX. Exhibit # 4 On the same date I called US Bank and according to the representative I still need to make one payment On XX/XX/XXXX I started my own research ; download all transactions form the US Bank website and compare to my records. Exhibit # 5 Results are very straight forward ; US Bank recorded 35 transactions which I made in the past three years but did not include the first one which I made on XX/XX/XXXX, during the lease contract initiation. 
On XX/XX/XXXX, I called US Bank customer service again and ask to explain why my first payment was never recorded. The person I spoke to ( XXXX, employee ID : XXXX ) was not able to answer any of my questions. After keeping me online for more than 40 minutes he agreed to transfer me to the supervisor XXXX XXXX, phone # XXXX XXXX. As always happened, she was busy to answer my questions and he promised that she will call me back shortly. 
In approximately 40 minutes XXXX calls me and advice that US Bank, in fact, made a mistake by not including my first payment. He also said that I can ignore my recent bill. 
My request to provide me with the same information in writing, either by email or letter, as well as correct data on the website was refused by the 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 2019-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been enrolled in XXXX  full time since XX/XX/2016. XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student  loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in XXXX  full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment   from XXXX. 
I have contacted XXXX  and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are 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 2019-03-23 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been enrolled in school XXXX XXXX since 2016. XXXX XXXX XXXX and US Department of Education are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school XXXX XXXX. I have disputed the two XXXX  XXXX XXXX accounts and the two US Department of Education accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and US Department of education and both have told me that they will not change how the loans are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a Capital One credit card that I have never been late on paying. Apparently, I had a charge from XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of Capital One that their system sent out a report to XXXX   and XXXX that I was 30 days late, which has impacted my credit score.

I did contact XXXX and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from XXXX showing that the 30 day delinquency is still on my credit report. 


Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through no fault of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX  ) that does not belong to me. The letter is in XXXX and reference a dateXX/XX/XXXX when the allege account went into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Paypal limited my account on XX/XX/XXXX right after I had opened it. I submitted documents ( incoices, ID, proof of shipment, reciept of purchase ) and paypal permanently limited my account right after on XX/XX/XXXX and thay I was no longer allowed to do business with them with {$210.00} in my balance. They will not release my earned money and will most likely hold it indefinitely. I called many times and never got a clear reason as to why my account was limited and tried e-mailing multiple members of their escalations department with o satisfactory response or explanation. One of the reasons given was that my products were suspicious when i had clearly submitted invoices of my original purchases. Paypal should not have the right to hold my money for extended periods of time with no legitimate reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have called PayPal 100 Times today trying to disputed purchases In my account and people from XXXX are purposely preventing me from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX ) that does not belong to me. The letter is in XXXX and reference a date XX/XX/XXXX when the allege account went into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: Clarity Services
State: FL

Complaint narrative:
i am file a complinat against XXXX XXXX XXXX XXXX for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent clarity consumer report agency XXXX XXXX XXXX XXXX XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX  agency. there is evidence demonstrate how clarity consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
i am file a complinat against jp morgan chase bank for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent XXXX consumer report agency XXXX XXXX  XXXX XXXX fla.XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX XXXX. there is evidence demonstrate how XXXX consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management , Inc. collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/2019 for an account number XXXX ( XXXX XXXX ) that does not belong to me.

Company response to consumer: Closed with non-monetary relief