vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied for an AMERICAN EXPRESS XXXX XXXX XXXX on XX/XX/2021 and was denied. 

Reference number : XXXX I believe i was discriminated against in my application. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against due to the response I received. Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit, Business credit, Mortgage loans, Refinancing, Open-end credit, Credit applications, Standards of creditworthiness, and Adverse action. 

Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( ECOA ) which is codified in 15 U.S.C 1691c, and is pursuant to civil liability under 15 U.S.C 1692k. 

I have contacted AMERICAN EXPRESS by phone multiple times and, spoke with agents and supervisors in an attempt to have them reconsider their decision in my credit application without any success. 

AMERICAN EXPRESS is in violation of XXXX U.S.C XXXX, XXXX U.S.C XXXX, and XXXX XXXX XXXX because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of AMERICAN EXPRESS. 

I am aware of AMERICAN EXPRESS and their procedures and policies, but they do not XXXX XXXX Laws. If AMERICAN EXPRESS fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make AMERICAN EXPRESS criminally and civilly liable for all actual damages pursuant to XXXX U.S.C XXXX and XXXX U.S.C XXXX. ( {$1000.00} per violation )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover tried to call me on XX/XX/2022, but it sounded like a scam call telling me about needing to do 4506-T verification for my card ending in XXXX, then I received an email from XXXX Sign, all of which sounded like a scam. I subsequently called the main Discover line three hours later, but the representative did not know what I was talking about. 

I tried to use my Discover card to find it was not working on XX/XX/XXXX. I filled out the 4506-T form, then it was rejected by the IRS for wrong address even though I the same address. I filled it out and resubmitted it again on XX/XX/XXXX, and it was rejected again and my Discover account closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX. 
I had for many years used my XXXX XXXX XXXX  Out of the blue XXXX  issues me an XXXX XXXX card. I had Not. requested that card and called XXXX Cardmember Services. 

Per them, the said they notified me in advance that they were changing. I DID NOT RECEIVE ANY ADVANCE NOTIFICATION. Was told my XXXX account was being closed and replaced by the XXXX. I told them I don't need the hassle of changing account numbers when I do online purchases and have automatic payments. I requested my XXXX remain open and was told that it wasn't possible. I found this highly disturbing, yet, as I understand, is legal. 

This has totally disrupted my credit history and peace of mind. 
I have applied to XXXX XXXX and been accepted for a credit card. 
I'm writing out of frustration that XXXX can close my XXXX account and switch over to a XXXX  account.

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
from mortgagee XXXX XXXX XXXX Loan # XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/2022 XXXX XXXX  OPERATOR XXXX XXXX XXXX XXXX XXXX. REFUSE TO TAKE MY {$13000.00} DUES OVER THE PHONE TO HELP SAVE AND KEEP MY PROPERTY FOR ME AND MY FAMILY DESPITE MY EFFORT AND FIDUCIARY RELATIONSHIP WITH THE BANK SAYING THAT IS AGAINST POLICY THAT I MUST PAY THE FULL AMOUNT {$46000.00} DUE OR FORECLOSURE INSPITE OF ME BEING UNDER BANKRUPTCY CASE XXXX PROTECTION. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: GA

Complaint narrative:
On XX/XX/XXXX21 XX/XX/XXXX2021 and XX/XX/XXXX21 I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
HRRG calls every day using their automated system even when monthly payments are being made.

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 2022-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is a supplement complaint for XXXX. As the company refuses to admit the facts that they provide misleading information to me about XXXX transaction, I've recorded the conversation and submit via complaint number XXXX. This is the second part I was told by the agent : when XXXX transaction is called completed and how long it will take. I was told by Capital One on XX/XX/XXXX : XXXX transaction is completed once the funds is deposited into my account. From this recording, the response is still consistent with their previous response. The second part was XXXX is a cash transaction as the recording indicated before. Additionally, I provided a copy of the call log. As you can see from the call log, the transaction occurred on XX/XX/XXXX and Capital One Customer Service Number is XXXX. On that day and the day after, I called multiple times to confirm the nature of XXXX transaction. Specifically, the call at XXXX on XX/XX/XXXX and the call at XXXX on XX/XX/XXXX, the agent confirmed with me ( 1 ) what is called " completed '' in XXXX transaction XXXX ( 2 ) the nature of XXXX transaction is like cash transaction. In fact, based on the call log, you can see I'm actually extremely uncomfortable for XXXX transactions and thus I called in Capital One multiple times to understand the nature of the XXXX transaction. I even explain the whole situation of the money exchange in my phone call. After I confirmed with Capital One that XXXX can not be cancelled or revoked and the transaction is completed once the funds is in my account, I start to accept this form of payment. 

Based on the law, I have the rights to request the materials used by Capital One to deny the case. However when I requested the transcripts of those phone calls, Capital One asked me to provide court order. As such, I have to call in again and the agent still provides me the same information : XXXX is cash transaction, as you can see in the voice call recording I provided. 

As a reputable bank, I didn't expect Capital One denies the fact. As such, to fully investigate the issue, I'll file a case with a court since arbitration won't be able to order the transcripts of those misleading calls. Can you please let me know the contact person I can serve the case? Also as consumer rights, I request the call transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-02-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was hospitalized with XXXX for almost three months. When I got home I had a large amount of past due bills that had gone unpaid due to my hospitalization. My Capital One account has a current balance of {$690.00} with {$200.00} of that amount due from late fees I was charged during my hospital stay. I would like to bring my account balance current but can not due to these incredibly harsh fees charged in the middle of the pandemic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 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: IL

Complaint narrative:
XX/XX/XXXX To Whom it may Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report : 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX, XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquires and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. I have enclosed a copy of my drivers license, social security card, and past credit report showing my current address as proof of identity. 

Sincerely, XXXX XXXX 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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear to whom it may concern. 

We are attaching 2 documents that show that qualifications were done for a {$400.00} promotion. 

This is the second time Wells is unfairly and unwilling to deposit monies that are rightfully due to a customer.

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 2022-02-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I called Lendmark Financial and advise them that I had made a {$350.00} payment towards my loan on due date of XX/XX/2022. I adv. the representative helping me with call that I wanted {$280.00} applied towards my regular payment and rest {$60.00} towards principal only. I was advise that could only be done if I call someone over the phone and instruct them to apply it that way or to walk in the branch and pay there and have them applied that way. My issue is why can they apply the payment I already paid through them via phone application the way im asking. I feel like they are steeling from us consumers with already high interest rate well over % 35. I also called corporate to resolve this and all they did was xfer me to a supervisor the branch location where I got my loan. Manager was not available for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: CA

Complaint narrative:
Around XX/XX/2021 I have submitted some transactions that were unauthorized by me. After receiving credit and after direct express findings being unauthorized transaction and approved my claim and receiving a letter to confirmed credit was final and approved. Direct express took the credit that was approved without any explanations. And after being finished and approved...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
They have been calling me multiple times a day and from a different number every time. Sometimes they call from what looks like a local phone number, they don't leave messages and when I return the call to see if it's something I should be responding to, I block my phone number and somehow they know it's me. I have disputed this several times over the past 3 years. This debt is not mine and is incorrect. I have written to all 3 credit bureaus, they just keep sending me letters saying that they're verifying the debt which of course they will verify it on their end when they're trying to collect money from people. The deception lies in the fact that they purposely call from different phone # s that look local or even like an area code that I've recently had communication with. Why do they need to hide behind fake phone numbers unless they're illegally contacting me and others? This is absurd. I'm going to report them to every entity possible including the XXXX and the credit bureaus again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft. I noticed a collection account on my credit report that is a result of fraud. The collection account is CREDIT MANAGEMENT LP and the original creditor is XXXX XXXX. I have never done business with XXXX or used any of their services. This account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
As of XX/XX/XXXX my mother XXXX XXXX of XXXX TX. passed away, since the home had a reverse mortgage associated as a first lein notification was made to the original servicer. PHH Mortgage provided a welcome letter dated XX/XX/XXXX upon transfer of the loan from RMS Mortgage. When contacted initially we were advised there was a pending foreclosure date and at that time a Covid extension was granted The issue is anytime I call that date changes and an additional extension can not be granted. I'm writing today as a consumer and mortgage professional concerning the lack of adherence to XXXX XXXX Covid guidelines and the potential borrower harm caused by PHH when the information the staff provides certainly misleads those who may be grieving the loss of a loved one. I was told today XX/XX/XXXX the sale is scheduled XX/XX/XXXX, however when I pointed out the staff member prior to stated it was XX/XX/XXXX and the assigned SPOC said it was extended to XX/XX/XXXX the SPOC XXXX stated she had to check with her manager on which date was correct and for me to expect a return call. Well I'm still waiting... 

Needless to say we are at a loss as how to proceed since the property currently is being sold and has a closing date of XX/XX/XXXX per the buyer. 

Please help not just this family but the thousands of beneficiaries subjected to such harsh treatment during this reverse mortgage process.

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 2022-02-17 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: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
unauthorized payments by an unknown person. 

Was unaware of the payments u till now

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