vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2018 I logged into my XXXX account, I saw that my Mileage balance was XXXX. I had over XXXX miles on my account. I called XXXX ( XXXX XXXX XXXX Customer Service with Barclay Credit Cards ) immediately, and was told that my miles expired because I didn't use the card in 6 months. I was so frustrated because I pay the card monthly, so there is activity on the card each month! I was told that " payments '' don't count as activity. I am really upset, because I signed up for this card a couple years ago when I was flying XXXX, and the airline attendants that were " selling '' the card never disclosed to us that we need to use the card ( or what the definition of " use '' was according to XXXX ). The flight attendants stood there promoting and advertising this credit card, and so I applied because it looked like an attractive promotion, but they were extremely deceptive and unfair in the fact that all the terms were not disclosed to us. I called XXXX today and spoke to a representative and she told me in order to get my miles re-activated I had two options, I can purchased XXXX miles for {$25.00} or I can fly with XXXX within 2 months. That is ridiculous! I ended up paying {$26.00} with tax to get the XXXX miles so my total of XXXX miles would get re-activated. This is such an abusive and deceptive act. I want my miles credited back to me and my {$26.00} back. I don't feel that I should pay for this when the terms weren't explained to 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 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to dispute repeatedly with Transunion regarding removal of inaccurate addresses on my credit report. I was a part of the XXXX breach and I notice alot of things on my credit report that are not mine and I am trying to clear this issue but Transunion will not update the removal I continue to ask of them. Under the FCRA I have the right to dispute inaccurate or incomplete information, I want these inaccurate addresses removed from my report immediately or I will be filing a case. 

Report # XXXX These need to be removed : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TN 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 non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Partners Financial Services Inc
State: MI

Complaint narrative:
I am writing to inform you I have been a victim of identity theft, and many of my accounts have been compromised without my consent. This letter is to inform your company I am disputing this debt and have filled a police report. I have a right under the Fair Debt Collections Practice Act to request validation of the bill for which your company is requesting payment. I am asking that you send me proof this account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with Wells Fargo Home Mortgage. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list Wells Fargo Home Mortgage as under a bankruptcy. I was told ( in XXXX ) by a representative of Wells Fargo that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' Wells Fargo says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.

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 2018-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XX/XX/XXXX, XXXX, XX/XX/XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XX/XX/XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX XXXX XXXX, XXXX pulled my credit report for a loans/and OR, Credit cards for someone using my Identity to apply for a Loans or Credit. On XX/XX/XXXX I filed an Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. 
Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and over 18 hard inquires. I reported everything right away to all three credits companys, XXXX, XXXX, XXXX,. A alert was supposed to be put on my credit reports for 90 days. 
From XX/XX/XXXX to XX/XX/XXXX. However, whoever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX XXXX, XXXX ) and they could not release information because some of the information did not match what I what information I had. 
However, they still put a Hard Inquiry on my XXXX, and XXXX credit reports. on XX/XX/XXXX a total of three times in a matter of a three-month span time. 
As of today, I have contacted Social Security Administration, and have a appt to get a new social security card this does not keep happening. This is affecting my credit and, I take my credit serious. I am shocked, and still shocked as, to how this is has happened, and it has taken me almost months so far to try and, clean up my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 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: MI

Complaint narrative:
I had 4 student loans and have paid 2 off.

I have 2 more loans that I am struggling to pay. I placed them under bankruptcy 7 years ago but don't think they went through and have been paying on them.

I am struggling to pay them off and they increased my interest rate from 10.75 % to 11.50 %? Talk about crooked practices and unfair. It makes a person want to stop paying all together, what is the sense if they make it so unattainable.

There are thousands of complaints just like mine toward Navient yet NOTHING is done about these giants!

Government corruption at its finest!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX  XXXX XXXX and Citi Bank are instituting policies to restrict or refuse financial services to individuals or businesses involved with legal transactions relating to business loans or retail purchase of legal firearms and related items. These policies run counter to the US Constitution and current law. As a taxpayer who assisted in " bailing them out '' a few years ago and a current customer I find them choosing to " legislate '' and discriminate against my legal my rights problematic.

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 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I did a cash-out refinance with Loan Depot. From the get go, the loan officer broke the law. He and I had simply discussed some numbers, and I said that it sounded good. He tried to take my appraisal payment right then and there, before I ever saw the numbers on paper and gave my intent to proceed.

The first problem was that the " lender credits '' he promised me were no where close to what was actually given to me. He told me repeatedly that the appraisal was going to be refunded to me. It was not, and I was made out to be the XXXX that didn't understand. Meanwhile, I am a XXXX XXXX, I do this every day. I know the verbiage, I know the business, I know when someone tells me I '' m getting my appraisal fee back, vs it is POC and will reduce my cash to close.

Finally, the closing. The closing date was missed. They then sent a notary to my in-laws home in Alabama who apparently lost the deed. I then had to resign, was scheduled with two different attorneys, then was told I actually didn't have to sign. Confused, yet? So was I. It finally funded about a week later, and I was wired my cash back at closing that was {$110.00} short of the Final Closing Disclosure that I signed. They did not catch this. I caught this. Imagine what they are doing to people who are not as versed as I am in the loan process. The loan officer was garbage and a liar. The processor was ok, but still was below par. I can only imagine how many times this has happened to other people who begin to do business with them under the bait-and-switch tactics they tried on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
My income was cut by almost 50 % in the past two years. It caused me to fall behind on my mortgage. I applied for assistance with Shellpoint Mortgage and they are now refusing, evading, to review me for assistance. They state I was offered a trial payment in the past and that is the reason. However, I hired an attorney to help me with the process and my attorney states Shellpoint is violating RESPA Regulation X by " evading '' review for assistance. I wish to apply for assistance and Shellpoint is blocking me from doing that. I could not accept the trial they were offering me at the time, but I can now make payments again. There is no reason they should be refusing to help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
I took out a lean on a XXXX XXXX XXXX ( I think in XXXX ) with XXXX XXXX in the amount of XXXX, XXXX dollars. They have passed on collection of the loan to several other companies since then. Each time the debt passed I requested debt validation but just got half answers and the run around. Recently last year ( in XX/XX/XXXX ) it passed to Real Time Resolutions whereas I immediately requested debt validation because this debt has gone on forever and I am questioning how it could still have such a high balance rather than having possibly been paid off years ago. On XX/XX/XXXX I wrote to Real Time Resolutions and requested debt validation. Exhibit # 1 ( I will upload to you ). I received a response from them on XX/XX/XXXX that says they are, " currently researching your account ''. Then approx. one month later I received another ( undated letter ) that stated, that they have requested information to adequately respond to my inquiry which they have not received - Exhibit # 2. To date I have not received validation of this debt and feel it was likely paid off years ago and that I am owed back funds ( plus interest ) due to over payments. Recently, I received a letter from Real Time resolutions trying to bill me for a late fee on whereas they had received the monthly payment on time ( and within the grace period ) - yet they continue to bill me for the amount of XXXX cents even though they told me over the phone the late fee bill was a mistake. Please see - Exhibits. ( additional supporting documentation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i reached out to XXXX and experian and asked them to remove inquiries that i did not authorize and they said that i had to reach out to creditors. I reached out to the creditors over two months ago and most of them said that they will remove inquiries. Almost 3 months later and the inquiries are still there

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 2018-04-16 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: NY

Complaint narrative:
I had an account with XXXX XXXX linked with autopay XXXX XXXX  XXXX XXXX Credit Card. I closed my account with XXXX XXXX in beginning of XX/XX/2017. Thereafter I requested XXXX XXXX XXXX to freeze my account and they never completed my request. A charge of $ XXXX/- came through for XX/XX/2017 fraudulently from XXXX XXXX for the entire month. I disputed the charge with XXXX XXXX XXXX Card with all supporting documents ( including vacated unit receipt from XXXX XXXX ). XXXX XXXX did not help me kept adding late charge and reported me to the 3 Bureaus as Charge off $ XXXX/-. As a result my excellent credit scores maintained all these years went drastically down. As a result my financial situation got effected and my mortgage is still sitting unapproved. I contacted all the three bureaus with similar dispute and all supporting documents and as a result XXXX XXXX and XXXX recognized the fraud and deleted the charge off from XXXX XXXX from my account and report as a result my XXXX XXXX score went upto XXXX and XXXX to XXXX. Unfortunately, Experian has still not helped me inspite of repeated calls, disputes and emails. My score still sits at XXXX. This is very frustrating and ridiculous my financial condition is still effected and my mortgage approval is in limbo. 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 2018-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I signed up for a Chase Sapphire Preferred card on XX/XX/XXXX using a link directly on their website ( below ) : https : //creditcards.chase.comXXXX This offer was to include a waived annual fee for the first year, just as it currently shows on the site ( as of XX/XX/XXXX ) and just as it did when I signed up on XX/XX/XXXX. I even called a customer representative on XX/XX/XXXX at the same time as my signup to confirm that this offer had no fee ( as opposed to the XXXX free point offer, which did have a fee ), although Chase says there's no record of that discussion. 

On XX/XX/XXXX I noticed that the {$95.00} fee had posted to my account, which surprised me. I called and Emailed Chase several times and got the same response that the " promo code '' associated with my sign-up did not include a Waived fee, even though I'm 100 % positive that a waived fee was involved with the offer. They said there was nothing I could do without proof of the offer, and I was frankly quite surprised that they weren't willing to work with a new customer on this matter when the offer was clearly still being promoted on the site. 

The problem with this situation is I have no way of checking this promo code and didn't get any specific documentation about ANY part of the offer that I signed up for outside of what I found on the website initially. So I have no way to defend myself beyond my insistence that the fee should be waived because of what I saw when I signed up. I feel as though there was significant promotional deception with lack of proper communication or documentation about it. I am able to find this same XXXX free Point + waived fee offer ALL OVER Chase 's site and it's partner sites, and all appearances point to the fact that this offer has been available for months ( well before XX/XX/XXXX ). 

Chase has repeatedly insisted that " offers change all the time '' and that " it wasn't available when I signed up '' and that there's nothing they can do, and that just leaves me sitting hear feeling deceived and ripped off by a fee that I was completely uninformed about. Very frustrating customer experience to say the least, and one that feels like it would be easy to fix on their side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch
State: OK

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX, during my whole Bankruptcy procedure, I was locked out of my account by XXXX XXXX and they would not communicate with me on the phone at all. My Chapter XXXX was complete on XX/XX/XXXX and I never missed a hose payment the whole time. 

In XX/XX/XXXX, I lost my job and cashed in my 401k. I have been working minimum wage jobs and using my 401k to pay my Bills. XX/XX/XXXX was the first time I had fallen behind. I knew my 401k money was running out several months before that, so I requested a loan modification from XXXX. I have gone through the ringer, refaxing them things over and over again ( 3 times ).

I got a letter about two weeks ago, saying they had gotten a complete file and were reviewing my modification. I sent in my XX/XX/XXXX payment and it did not clear the bank, it was from my friend and she was rushed into XXXX and was unable to make her deposit. They were notified befor the check ever came back to them. 

XX/XX/XXXX I called to find out how to get the check back and to tell them I had gotten a new, better, job and my situation would not be long term now. I spent 42 minutes on the phone with a customer service agent who took a payment arrangement of {$200.00} by XX/XX/XXXX. 

Today, XX/XX/XXXX, XX/XX/XXXXXXXX FROM XXXX CALLED to say I had three choices, he began to rattle them off to an authorized person on my account, who told him she was on bed rest. She told him she wasn't getting out of bed to go get a piece of paper. She later called back and asked for them to email what they were talking about and the refused. They don't seem to want to EVER provide anything in writing. 

My representative has spent 3 months, solid dealing with them and has gotten no where.

Company response to consumer: Closed with explanation