vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 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: NC

Complaint narrative:
Opened an American Express Credit card with an offer to receive {$200.00} statement credit and XXXX XXXX XXXX miles after I spend {$2000.00}. However, after I made the {$2000.00} expenditure I did not receive the bonus. AMX told me I was not eligible because I had a card several years ago and it states that in the terms. However, I told the that I have a XXXX XXXX and relied on their customer service representative who told be I was eligible by then. AMX said they would check the call recording and if that was true they would give me the bonus. However, I never heard back from the. My credit card number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: SD

Complaint narrative:
My mortgage is serviced by M & T bank. On XX/XX/XXXX I set up automatic direct deposit for my payments. They claimed to have sent me a letter on XX/XX/XXXX stating that the direct deposit was would deposit XX/XX/XXXX instead of the Mortgage payment due date of XX/XX/XXXX. I did not receive this letter. I contacted the bank on XX/XX/XXXX via email and then by phone as I was confused about the payment process. I was directed to their servicing department. I was told everything was ok. Eventually in XXXX I received a phone call asking me to contact M & T bank. They stated I was behind on my mortgage payments. They said that they had not received payment. I disputed the credit report and paid my mortgage that day. They denied my request to amend my credit report. They stated that they sent a letter to me stating this which I did not get. They also said the website clearly states when the payment is due. It is actually confusing and I called to make sure everything was set up correctly. They gave me the wrong information. When confronted with this the supervisor says " I cant speak to this ''. However, they should have record of the conversation.They also stated that they called me to contact me about my late payment. I did not receive a single notification via mail, email or phone about my late payment and they had the wrong phone number on file. I have attached phone records indicating I received no phone calls and email records indicating I recieved no emails about my late payments. In addition I received no letters.

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 2021-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am in the process to complete the documents Mr Cooper is asking to approved my loan modification, every time i send a document they since to lose it or they just don't review and request the same documents 2 to 6 times. every time i called i need to explain that all those documents that they are requesting are already in their possession, it is very hard to understand why can the person in charge of reviewing my loan modification documents do not take the time to review all documents, i have provided all documents even more than 7 times they just sense like they don't care, so i call and speak to someone that persons find the documents and make a note on the loan modification after few weeks they clear the request but is been happening with every document i sent. to my understanding was nothing needs it from me but every time I check they ask for the docs. this is why i need to complain for the treatment Mr cooper give as a client, I'm ready to resume payments once the loan modification is complete but they just don't care

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
I have a collection account which occurred in XX/XX/XXXX after I felled to pay a cell phone with XXXX. XXXX provided its customer with an options no pay on cell service during the pandemic when we were out of work but they came back and wanted large payment on the account in which I couldn't afford so I lost my service after being a loyal customer for almost a decade. They assigned the debt to Amsher Collection agency who said I owed {$3500.00} + in. I requested a bill outlining what I owed this amount for on many different occasion but I stilled haven't received one. I saw where this showed up on my credit report in XXXX of XXXX. I contacted them again asking for a outline of my charges because it was way higher then {$1700.00} XXXX originally owed the collection lady said she was sending it out, so I started making payments to clear the {$1700.00} for now in XXXX of XXXX because it was affecting my credit score. I still never received the outline of charges. In XX/XX/XXXX, I accepted a 50 % pay off in which they said they would report to the credit bureau the account paid in full. I paid {$500.00} on XX/XX/XXXX, but was unable to pay the {$1100.00} + on XX/XX/XXXX and they wouldn't extend the offer until XX/XX/XXXX stating it was for only 30 days, I said oh well, Ill would just take the matter to court, after speaking to the Manager name XXXX who talked very rude to me. Now they have updated the credit bureau saying the accounted was assigned to them in XXXX of XXXX which caused my credit score to drop 16 points due to this false information. It appears as if it was just assigned to them and its a brand new debt. I contacted them and disputed this incorrect information. XXXX stated XXXX took the account away for a short period and reassigned it back to them in XXXX of XXXX. I have filed a dispute with the credit bureau about the incorrect information on this account and they keep disputing it as accurate. I have no billing information to dispute this account with and Amsher has never provided me with any. This a case pf unfair business practice and is using our personal and credit credentials as a pawn to try and make us pay something we dont owe. I contacted XXXX and couldn't provide me with another credit agency that this account was with. They resubmit the information to the credit bureau so they will continue to show as a high impact and recent debt to affect the consumer from getting new credit when the collection is actually an old and incorrectly charged debt,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
Back in XXXX i contacted COLLINS ASSET GROUP Collections whom was contracted by a finance company ( XXXX XXXX ) i owed {$2200.00} whom Obtained my Car Title from the Lean Holders after i had paid the Vehicle off in XXXX of 2020. XXXX @ XXXX is who i've been corresponding with over the phone @ Collins, i exlained that i understand they were holding my car title & i want it so lets make arrangement for me to pay, we ageed i would pay {$70.00} a month auto withdrawn from my chkg acct until the debt of {$2200.00} is paid & we hung up, {$70.00} was withdrawn @ the end of that same week, the following wk i called XXXX back because {$70.00} isn't enough & i didn't want them in my acct that long so iasked if we could make a different arrangement of {$1500.00}, sure she said, so i said {$130.00} bi-weekly & she said Ok for 6 months & it would total {$1500.00} she said & i greed & asked her to send me something in writing stating the agreement we made & the amount for me to pay & she said she can't change the statement amount but the agreement amount of {$1500.00} is in their system. ( she was very nice & convincing & willing to work with me on {$1500.00} agreement so i took her word & didn't pressure on the statement issue ) & the bi-weekly paymnt started to be withdrawn regularly until i got a insufficient fund in XXXX, so i called XXXX about NSF & she said No Worries you get no penalties, so i said can you put that payement at the End? & she said yes & i said thank you & can we resume withdrawals on the following payweek? yes again & we hung up then in XXXX the 2nd withdrawn for that month i got another INF, so she called & told me i got to many NSF 's & she can't hold the agreement of {$1500.00} anymore, i said to her that she never stated any of this to me & then she started to get really Nasty & told me i had to start all over again with payments & that i still owed over {$1300.00} & when i question her about all the payments i had made already & that she is sounding like i didn't have an agreement & she is charging me the full {$2200.00} she told me she really didn't have to make an agreement with me & that she was doing me a favor & that i had only made 2 payment because i broke the agreement twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: MA

Complaint narrative:
XXXX ran some report with Checkr in 2018 that shows nothing wrong with my background and is still denying me based on my background. 

I am being discriminated against for some odd reason. 

I work at XXXX XXXX which requires more than an XXXX job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
On or about XX/XX/2021, I made a purchase of a product and software service from XXXX for total cost of {$1000.00}, using Affirm credit services. XXXX failed to provide the product as described and sent a product that was far beneath what was advertised ( both the hardcopy material and the software ). I immediately contacted the XXXX, on or about XX/XX/2021 asking for a refund as I planned to return the products ( there are various emails of this ). XXXX refused, referring to their no-refund policy, which apparently fails to account for defective products and false advertisement. I then contacted Affirm, as the credit provider, on or about XX/XX/2021 to help resolve this matter. Affirm took no meaningful steps to resolving the matter, instead they only kept asking me to provide more information that I had already provided. They wasted time and finally asked me to pay them, saying that there was nothing that they could do to resolve the other company 's provision of a defective product and service that they refused to refund me for. Now, Affirm is trying to report the claim on my credit report and keeps calling me asking for payments. 

I would like to file a case against both of these companies and ask that they stop trying to charge me for a defective product that they refused to accept in return and to refund me for, as would have been appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FC HoldCo LLC
State: MO

Complaint narrative:
As of XX/XX/21 my complaints have gone to a new level with Flagship Credit Acceptance. I sent a notice a demand letter to Flagship requesting medical hardship, in addition to an intent to sue for how they have handled my complaints.

Flagships legal department was supposed to reach out to me directly to handle this decision.

Instead of Flagship 's legal department reaching out to me, I was contacted by Ms. XXXX who is a supervisor. When I reached out to Ms. XXXX, regarding my concerns, she lied in her conversation to me about what I said. She stated that Flagship has filed a replevin in court. Even though Flagship Credit Acceptance hasn't filed a replevin through the courts.

This company continues to violate FDCPA violations and continues to be prejudice.

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 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Yesterday, XX/XX/2021, I C System reported a debt collection on my credit. I do not owe this debt. Today, XX/XX/2021, I called their customer service number, XXXX, and was given a reference number XXXX for my case. I asked them to provide me evidence that I owed this debt, and they were unable to provide any evidence, however refused to delete this from my credit. 

I am filing a complaint, because they are refusing to remove the derogatory remark from my credit, however this is not my debt, and they have no evidence that this is something I owe.

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 2021-09-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 30 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts were opened by my ex wife. I have requested anything from all the listed creditors with my signature on them and they have not been able to provide them because they dont have any. Please help me.

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 2021-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: MO

Complaint narrative:
I was talking to my realtors lender and giving her my information to get a Pre-approval to put a contract on a home. This lender with Land and Home financial then proceeded to run my credit report without my permission, putting a derogatory mark on my credit report. This credit report should not have been ran until a contract was accepted and I was in the process of getting approved for the loan. My credit will now have to ran again when a contract is accepted on a home. This lender did not have my permission to run this report and I actually requested it not be ran and she did it against my wishes.

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 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
On XX/XX/2021, I successfully sent XXXX HEX tokens ( valued at ~ {$20000.00} ) to my virtual wallet operated by Coinbase Global , Inc. Upon receiving my funds, I was told by Coinbase that I could not access the funds. Furthermore, Coinbase would not return or refund the tokens. This is clearly fraudulent activity on behalf of Coinbase who knowingly accepts funds for which they will not provide access to, especially when there are simple means to provide returns or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts were opened by my ex wife. I have requested anything from all the listed creditors with my signature on them and they have not been able to provide them because they dont have any. Please help me.

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 2021-09-24 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: NC

Complaint narrative:
I have a child support case on my credit that was closed then was reopened and now its showing I have two cases when I only have one I have one XXXX number which means only XXXX child support case should be showing the closed account that open back up on its own I dont understand it should only be one case that was court order showing the case with the balance of XXXX should not be on my credit at all is showing as if I have two cases when I only have one Im asking the bureaus to remove the messed up account and all its remarks off I only have one case thats for XXXX a month the other one should not be showing that Is very unfair practices and I continue to dispute this to remove it but nothing is happening it needs to be removed immediately or they need to get proof of two cases which would involve two XXXX numbers

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I HAVE BEEN TRYING TO WORK WITH MY MORTGAGE LENDER FOR THE LAST COUPLE OF YEARS. AFTER MY MANY ATTEMPTS THEY GAVE ME A REPAYMENT PLAN AND I PAID OVER {$3000.00} FOR 12 MONTHS. MY COUNSELOR XXXX SPOKE TO THEM AND WAS ADVISED THAT AFTER 12 MONTHS I COULD SUBMIT FOR ANOTHER REPAYMENT PLAN TO CONTINUE PAYING THE REMAINING BALANCE THAT IS DUE. I DO NOT WANT TO LOSE MY HOME BECAUSE THEY MISLED ME ON MY PREVIOUS PLAN. ALL THAT I AM ASKING IS THAT THEY GIVE ME ANOTHER PLAN TO GET CURRENT. I HAVE BEEN ON TIME THE LAST 12 MONTHS PER THEIR REPAYMENT PLAN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation