vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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: TX

Complaint narrative:
In the beginning of XXXX, I applied the Amex XXXX XXXX with a welcome offer containing XXXX Membership Rewards points after spending $ XXXX, and XXXX times points rewards on restaurant purchases. I got approved. 

But in the following months, there's no extra points rewards on restaurant purchases. I talked to an online XXXX, who told me my welcome offer was declined and suggested me to call a XXXX  for more details. Then I was told the welcome offer is there, no need to worry cause his level is higher than online XXXX '. After XXXX months, I've already spent over $ XXXX on this card. Still no welcome offer. I called a rXXXX and was told that the welcome offer was declined. But there was no notification at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Hello, What is the reason a XXXX looks at 2 year history of employment .... 

... how likely it is that you'll continue to make that amount of money. And many are paying more attention to your current employer. 

Ok, so if this is the case, why would you deny me a loan in which you approved on XX/XX/2021. Now on today XX/XX/XXXX after sending a letter of why I had an employment gap, notating that I have XXXX. All of a sudden I am denied? I will be taking this issue further in legal pursuits. I feel discriminated against. I informed you all before you took another jab at my credit scorXXXX. Now how can I find another suitable XXXX? It should have been a simple no, but as soon as I mentioned XXXX, my loan was denied and closed. 

XXXX XXXX XXXX XXXX delivered the news in a very unprofessional manner. He said the phone conversation was recorded, so please listen to it. I will continue to email every person within this company until I receive a proper explanation. Attached is the letter I sent yesterday. You tell me where you felt I was to be denied reasonably. Thank you all for your time. And if you know of any other important contact names that I should be aware of, feel free to email me and let me know. Otherwise, please forward to direct personal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On Tuesday, XX/XX/XXXX a credit pull showed XXXX collections from XXXX XXXX. Not ever having services with XXXX XXXX, I called them to ask what they were reporting. The XXXX that assisted me could not find any information under my name, drivers license number, nor my social security number. She then advised me to call the collection agency which XXXX XXXX uses, which is Transworld Systems. On speaking with Transworld Systems, they also had no idea about the XXXX accounts in question. 
The amounts for these accounts are, {$530.00}, {$470.00}, and {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
This company Credence Resource Management calls daily from different numbers. They have called after XXXX before & called on a Sunday. Today XX/XX/2021 at XXXX... they called XXXX times in XXXX minute. The number that called me XXXX times in XXXX minute was from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft XXXX XXXXXXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXXB Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-12-14 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: GA

Complaint narrative:
I am submitting documentation ( Paper Trail ) I have submitted many documents and have given each respected company more than enough time to respond accordingly, There needs to be upheld justice, companies must follow the Law The FDCPA is clear on its laws and each company that is listed below have violated my reputation and I demand answers accordingly to each violation represented.

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 2021-12-14 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Based on complaint # XXXX Experian required proof of my XXXX card as they are having issues with the number they have on file. How strange when out of dozens of disputes that I have sent to Experian they have never mentioned that my XXXX number does not coincide. This is another strategy they use to avoid removing unverified accounts.

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 2021-12-14 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Since XX/XX/2021, I have submitted numerous " Disputes, '' via Fax, along with supporting evidence fully substantiating my claim. All the faxes processed " Successfully. '' Nonetheless, for months, my dispute has gone completely, " Ignored. '' Baclays credit card services " Intentionally, Deliberately, and Willfully, '' deny receiving any/all faxes of my dispute and " Refuse, '' to " Credit, '' my account & investigate my claim. Please help.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
Re : Continental Finance Company , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) XXXX represented by : XXXX XXXX XXXX XXXX  XXXX - XXXX in XXXX and XXXX, XXXX server Today, XXXX XX/XX/XXXX around XXXX, I received a call from XXXX XXXX, and XXXX left a very harsh XXXX XXXX saying she was a process XXXX  and I would need to sign for papers being sent to my house for a civil legal matter and that I have been notified of legal action against me. When I called the XXXX return number she listed, and to reference a File number, I reached XXXX in the XXXX XXXX, however thats not how the phone was answered. She said " Litigation '', no name, no company name, no ID number, etc, and I said I was left a XXXX for a File # ... .. and had no idea or knowledge of what this was in reference too. 
XXXX confirmed my identity and last XXXX of XXXX, and said that they represent their client XXXX XXXX ( of XXXX XXXX XXXX ), and that a credit card debt in my name has been sent to them to pursue for a civil lawsuit against me for a balance of over $ XXXX of the suit. HOWEVER ... XXXX HAVE NEVER HAD, NOR EVER APPLIED FOR ANY XXXX XXXX OR ANY OTHER CREDIT CARD WITH THAT COMPANY. I kept trying to ask questions to get more information about this " alleged '' credit card debt of mine, that was apparently opened in XXXX, and sent to collections in XXXX, however I have not received any calls, letters, mail, emails etc prior to today regarding this issue. When I asked for proof of documentation, and stated that this debt is not mine and must be fraud, XXXX then proceeded to state that she will notate my dispute and I will be sent a summons to appear in court on a future date, and I could request all the documentation or account info at that discovery hearing, and then said Good luck to you and hung up on me while I was still talking. I immediately called back, got her back on the phone and stated that she abruptly hung up on me when I was trying to gather any info about this " alleged '' account/lawsuit that I've been threatened with, without being given any additional info. I was hung up on again. Filed XXXX FTC, 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 2021-12-14 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: WI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I recently accepted a XXXX in Washington XXXX and was looking at some rental properties  to contact. XXXX property I found was listed for a XXXX XXXX XXXX. I sent him an email stating that I was interested in the rental and he immediately sent an email back going over the details. We conversed back and forth over email about the property and agreed upon a move in date as well as a lease. He then asked for first months rent, last months rent, a security fee, and a pet fee for the initial deposit. He asked that I write him a cashiers check and to deposit it into his account at Bank of America. I obliged and wrote the check out to him. After I took the cashiers check to Bank of America and deposited into the account he provided, I contacted him via email to let him know it was in and that i submitted it in his name. He immediately sent me an email back stating that i did it wrong and that it should have been submitted under his cooperate account name of XXXX XXXX. I became very concerned and called Bank of America to place a stop payment. They stated that it had already been deposited, and that the best they could do was put a hold on the account. After multiple conversations with individuals in different departments at Bank of America, I was finally told that I would need to reach back out to them on XX/XX/14 to proceed, that there is nothing they could do since the account was on hold until then. I went there this morning to resolve this and was informed that the account had already been emptied, and that Bank of America could do nothing for me since I wasn't an account holder. I then proceeded to contact XXXX XXXX and was told that there is nothing they could do either.

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 2021-12-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUDIT SYSTEMS,INC
State: WA

Complaint narrative:
Audit systems inc contacted me claiming they were debt collectors and used the name of a medical company I actually get supplies from. They said they were the second collection agency to receive my account. They wanted my credit card number to pay the debt. However, I did not owe anyone anything. They called me on XX/XX/XXXX, and I finally answered after receiving many more phone calls. They were very rude. I did verify my name and provided my address. Then, I realized there was no way I owed any money to a debt collector, as I always pay bills on time. Once I refused to cooperate further, they were very rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Can not use my account- I am locked out and can not speak to a human who knows what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This credit reporting agency has been furnishing unverified information on my report causing me to experience denials of extension of credit. 
I have not verified or approved ANY of the information that is being displayed through their agency. I would consider that fraud!

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 2021-12-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
This is a credit card / 2nd mortgage the previous server XXXX. The Superior Court XXXX XXXX XXXX XXXX Dismissed the case. This loan was apart of the global wide settlement with the Department of Justices. 
Its Ben 12 years since any activity on this debt. I dispute this debt. The loan was allegedly placed in a trust which as taken its losses. XXXX attempted to foreclose and the foreclosure was stopped about 9 years ago. 
I received a new Notice of Default from the new Server Specialized Loan Servicing and I am disputing this debt again. This was a XXXX and with definitely was apart of U.S.Global wide settlement.

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 2021-12-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: KS

Complaint narrative:
I took out a loan for {$3100.00} with American first finance on XX/XX/XXXX. My first payment of {$88.00} was due XXXX, however when I attempted to sign into their automated account, noticed my SSN was not correct. I reported this to the company on XX/XX/XXXX. They stated a copy of the SS card with the last 4 of my SSN will need emailed. I submitted this to their email at their request. I called 10 days later. The request was not completed and I was told the whole SSN was needed on the card. I emailed it. Was told it would be done in 2 days. I called two days later. It is not updated, but would be in 7-10 more days. I am getting the run around with their company. I want to pay the whole loan off today, but would like my SSN updated first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
The nature of this complaint arises from the consumer ( XXXX ), being Hacked this past Friday. XXXX, was the victim of a scam as a result of being a XXXX XXXX customer. It appears that someone was trolling the XXXX XXXX and I was called back five minutes after dealing with the XXXX XXXX concerning a printer issue. Henceforth, XXXX was vulnerable to these financial crimes. XXXX learned this past Saturday, that the criminals hacked into his computer stolen the sum of {$400.00} and of that sum, monies {$150.00} were transferred to a online Bank using XXXX XXXX that operates in the virtual world. XXXX alerted his Bank ( PNC Bank Fraud Unit ), that Saturday. The Fraud unit took the report and locked his account. XXXX was told to go the the branch and open a new checking account and obtain a new ATM card. On MondayXXXX, XXXX did just that. The Branch Manger ( XXXX and his Associate, XXXX ) were on the phone to the Fraud unit for over an hour. XXXX, then suggested, he would call at home ; XXXX was on the telephone for Three Hours awaiting to speak with a Representative of PNC 's Fraud unit to unlock his old account and transfer his funds to the new account. 
The essences here is, XXXX was on the telephone on XX/XX/2021 for two hours trying to get his electronic banking set up and to get a explanation why PNC placed a hard hold on a check for {$42.00} in change or there about. There were plenty of funds to cover this check. XXXX has no- access to his money in his savings or checking account. He is told, that no one wants to work, and PNC is saving excessive amount of money running a Bank on a shoe string at the expense of the customers. This is clearly, unacceptable and not something any customer should tolerate. I can not buy the argument that no one wants to work. Maybe, it is the Bank does not want to pay, or hire older candidates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 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: MA

Complaint narrative:
Hi my name is XXXX XXXX email address XXXX XXXX PayPal account was hacked on XX/XX/21 and new address was added to my account. On XX/XX/XXXX my account was closed by theft and all money XXXX + were stollen. I realized that on XX/XX/XXXX and called Pay Pal that day. A representative told me that two checks were mailed to my address. I did not receive any checks. I called many times Pay Pal help desk asking to cancel the checks. I talked with security department but every time I called, I got different representatives and different answers. I also ask to speak to a manager but was not connected after more than hour waiting. It's very unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Convergent broke federal laws written in the Fair Debt Collections Practices act. On XX/XX/XXXX I sent the company an Affidavit of Truth containing documents and proof of the laws that were broken. I have not heard back from the company about this matter. I did not give the company permission to have my address nor telephone number which is an invasion of my privacy and its against the law for purchasing my information without my prior knowledge nor consent. In addition, the company stated I owe a debt, which is a violation of 1692 ( b ) ( 2 ). The company contacted me more than once, which is a violation of 1692 ( b ) ( 3 ). I have telephone records to prove this fact. The company contacted me at an unusual time and place that is inconvenient to me, violation of 1692 ( c ) ( 1 ). The company called me while I was at work which communication is prohibited, violation of 1692 ( c ) ( 3 ). The company would not stop harassing me verbally with their use of obscene and profane language, violation 1692 ( d ) ( 2 ). The company repeatedly used different numbers to call my phone to annoy, abuse, and harass me, violation 1692 ( d ) ( 5 ).

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