vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-01 00:00:00
Product: Credit 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: CA

Complaint narrative:
I already have American Express platinum and gold cards before I applied for the American Express green card. The sole purpose I applied for the green card on XXXX was for the XXXX bonus points the company offered at the time. American Express instantly approved my application for the green card on that day without any warning or complications. And I instantly received email confirmation that the green card was being shipped. 

The stipulation to receive the XXXX bonus points was that I must spend {$3000.00} or more within six month, which I complied. I paid the card 's annual fee of {$150.00} and spent more than {$3000.00} by mid XX/XX/2023. And I also paid off the entire balance a few days ago ( current balance XXXX  ). Yesterday, I called and also chatted online with American Express. To my surprise, they stripped off the XXXX points without my knowledge. Had I knew the bonus points were declined, I would have withdrew my green card application and certainly would not have spent {$3000.00} on the card. This looks like a " bait and switch '' practice by the company. 

On American Express website, they have detailed terms for the bonus offer, which I copied here for your reference : " OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. '' In my case, the " OFFER TERMS '' was a lie. The company did not notify me in any form or shape regarding my ineligibility for the welcome bonus offer before I completed the card application online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: MN

Complaint narrative:
I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX XXXX ) XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) EXTRA credit card opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX XXXX ) XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  Self Lender opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on or about XX/XX/XXXX XXXX ) Self XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened on or about XX/XX/XXXX XXXX ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX XXXX  self lender opened XXXX XXXX ) XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below XXXX ) XXXX  XXXX XXXX opened XXXX XX/XX/XXXX XXXX ) XXXX  XXXX  opened on XX/XX/XXXX XXXX ) XXXX XXXX opened on XX/XX/XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX  XXXX XXXX in XXXX Alabama is attempting fraud with the USPS postal service. XXXX  XXXX XXXX opened a XXXX XXXX in XXXX Alabama with my exact XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. This is after I reported that there was an attempt to cash several checks that were sent to XXXX Alabama. The Banks were Wells Fargo and XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX is now the recipient of my mail, instead of mail being received at XXXX XXXX XXXX XXXX, Alabama XXXX, the mail is sent to XXXX XXXX XXXXXXXX XXXX Al. XXXX. Recently, Wells Fargo updated the information on what is supposed to be a closed account. Wells Fargo updated the phone number and the bank account number. Wells Fargo in settling our previous dispute of opening checking accounts and cashing checks was suppose to refund the fraud money and of course they did not. Instead Wells Fargo sent information by mail stating that I owe them money. Now the plot thickens in an attempt to direct mail to XXXX Alabama by way 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 monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Received 3 month XXXX XXXX XXXX to start XX/XX/2023 and made first payment XXXX, XXXX. Sent {$1900.00} to cover what I thought was {$1900.00} payment. 

Sent XXXX, XXXX  payment of {$1900.00} which was returned to my bank. 

When called to find out why was told it was cancelled. Initial reason was because payment was short {$5.00} due to error on my part. I thought the payment was {$1900.00} and payment was actually XXXX. I explained that my eyesight was really bad and that I had been ill with a severe XXXX XXXX so it was an honest mistake. I asked to immediately send them the payment back plus the short amounts for XXXX  and XXXX.

However please note the XXXX  payment in the same amount was NOT returned so i was not aware there was a problem. I didnt get a letter or a call from XXXX XXXX 

They told me I would have to send an appeal. I sent an appeal to reverse the cancellation and i called XXXX times to follow up and was told each time a supervisor would call me back and never received a callback. 

I called on XX/XX/2023 to find out if was resolved yet and was told it was denied and had been cancelled because they didnt receive the assumption package! ( Letter attached ) My attorney had sent the assumption package on XXXX XXXX ( email and docs attached ). Please note the date given for receipt of assumption package was 60 days from XXXX XXXX. 

So we actually had until XXXX XXXX to submit but they cancelled in XXXX! 

This company needs to be shut down.

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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I was working for XXXX XXXX XXXX as a employee and the owner contained all my personal information. After him having all my information he created a Acima account to buy merchandise for his shop. I was unaware of this transaction and I found out about it months into the chargers on my credit report. I attempted to get it removed and failed. I let it ride out due to frustration and stress in my life. Now that I am better and figured ways to fix this situation here I am now needing to remove this. The first payment was on XX/XX/XXXX, then on XX/XX/XXXX was the first failed payment XXXX seen on the history of my credit report. Since then the charges been piling up and my credit got ruined. The charge was only {$300.00} and since the charge was not paid the late fees added up to {$2700.00}. I need this removed because I did not sign up for the account of Acima and is not responsible for purchasing any lease. I did get fraud done to me and I have a witness that Im not the first victim of fraud done through acima from the owner of XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
These individuals seem to have un official customer service and I did have problems accessing my account checking via online service due to confusing marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: IN

Complaint narrative:
I have been trying to get a refund from my secured credit card for several months now. I have submitted 2 written requests and still have no received the {$200.00} refund. I have received statements from XX/XX/2023, XX/XX/2023, and XX/XX/2023 showing a credit on the account and refund due to me. All of these statements were sent to me via mail while the check has not arrived in the mail. There has been no proof via a tracking number to show the check has been sent, even though I have requested tracking or proof of the check being sent twice. I am once again requesting my refund to be mailed to me immediately and for this case to be escalated. I am also requesting tracking for the check as there has been no proof or update other than telling me to refer to custom service. Custom service does not have access to the refund department and are unable to help me. The company has confirmed my mailing address and has sent me mail, but not the money owed. At this point they are well past the legal time period for the refund after my written request. Please escalate and rush my refund and provide proof via a tracking number for the check being mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I have a closed complaint : XXXXXXXX XXXX XXXX XXXX sold XXXX debt '' to Vance & Haufman LLC . I did not give persmission for this to occur. I am the consumer, orginal creditor and debtor. I have also access them to cease communicating with me, and they continue to do so via phone, mail, and via my credit report. I did not give permission for them to post anything to my credit report. XXXX nor Vance and Huffman LLC have a XXXX on file, which equals to identity theft. 

They are in violation of my consumer rights and the law, in addition to it being over 180 days trying to collect this " debt : '' 15 USC 1602, 15 USC 1681n, and 15 USC 15 1602 ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX I totaled my XXXX XXXX XXXX and i had XXXX XXXX. After XXXX payed they left me a balance of {$880.00}. I don't owe this as XXXX should have paid this car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: WA

Complaint narrative:
I hit a brick wall in my attempt to establish a contractual duty of my person to ERC COLLECTIONS. Moreover, with the intention to case harm, the entity is knowingly damaging my public reputation by reporting inaccurate and or falsified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute an inaccurately reported item on my credit file that has not been deleted despite my previous dispute. I firmly believe that this account entry is not valid and should not be present on my credit report. I have diligently managed my financial obligations, and I have never had any dealings or accounts with the mentioned creditor, XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION BUREAU OF ORIGINAL CREDITOR XXXX ACCT XXXX XXXX My previous dispute regarding this matter did not result in the removal of this inaccurate account entry, which leads me to believe that it may be a reporting error. I kindly request that both Equifax and XXXX conduct a thorough re-investigation into this matter to rectify this discrepancy on my credit report.

I would like to remind you of my rights under 15 USC 1681, which guarantees my right to privacy and stipulates that I must provide written permission for the reporting of this account. To my knowledge, I have not given any written permission for Equifax and XXXX to furnish this account information. 


I kindly request that you promptly initiate a re-investigation into this matter in accordance with your obligations under 15 USC 1681. I understand that you have 60 days from the date of this letter to complete the investigation, as mandated by the Fair Credit Reporting Act. 

I am committed to maintaining my responsible consumer status and ensuring the accuracy of my credit report. I trust that Equifax and XXXX will take this matter seriously and rectify the inaccurate reporting promptly. 

Thank you for your immediate attention to this dispute. I look forward to receiving a written response within the statutory timeframe with the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
* THIS COMPLAINT IS NOT A DUPLICATE * THIS COMPLAINT IS REFERENCING XXXX IN EXCESS OF AMOUNT NEEDED THUS RESULTING IN EXCESSIVE PREMIUM CHARGE PAID FROM MY ESCROW ACCOUNT THIS COMPLAINT IS FURTHER INFORMATION DISCOVERED AND IN APPEAL TO THIS YEARS PREVIOUS COMPLAINTS IDs ( ALL SAME PROBLEM ) XXXX XXXX XXXX XXXX I WILL NOW NEED THE OVERSIGHT OF CFPB TO INSURE VALID, MERIT BASED, RESPONSES FROM BANK IN ORDER TO INSURE COMPLIANCE WITH XXXX AND CFPB RULES, REGULATIONS AND ORDINANCES. 

IT SEEMS IN PAST COMPLAINTS CFPB HAS FILLED MORE OF A ROLE OF PASSAGE OF PAPERWORK FROM BORROWER TO LENDER AND VICE VERSA.WITH LITTLE REGARD FOR CONTENT I NOW NEED THE OVERSIGHT OF CFPB AND OCC IN COMPLAINTS AND RESPONSES.

ANY ADDITIONAL FILES OR DOCUMENTS NEEDED ARE AVAILABLE UPON REQUEST AS I DO NOT WANT THIS COMPLAINT REJECTED DUE TO FILE ( S ) UPLOAD SIZE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect
State: IL

Complaint narrative:
I sent out a Debt validation letter to XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX On XX/XX/2023 I sent out a Debt Validation letter by XXXX XXXX mail with return receipt that was received and signed for on XX/XX/2023 by a XXXX XXXX ( Agent ) of XXXX  to validate an account that is reporting on my credit report and I received NO RESPONSE as of this day XX/XX/2023. This account is currently reporting negatively on my credit report as of now. According to the FDCPA this is a violation and I would like a complaint to be filed also have the situation remedied in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief