vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2019, I requested to change my credit card type ( XXXX XXXX XXXX American Express card ending in XXXX ) to a more advanced card ( XXXX XXXX XXXX American Express XXXX card, card number remains unchanged ) in response to a promotion offer ( the offer page is attached below ) which stated that I shall receive XXXX XXXX Reward points after I spend more than XXXX XXXX dollars on the new card within 90 days following the card change. I made the change ( i.e. upgrade ) through a phone call since the offer link given was leading to errors if upgrade online. 

By XX/XX/2019, I already completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). I contacted a XXXX of American Express and mentioned the upgrade offer, asking them to verify that my purchase amount had exceeded XXXX. The agent couldn't locate such a upgrade offer on my account and my concern was escalated to a XXXX XXXX XXXX XXXX XXXX XXXX who asked me to share the offer page through his personal email ( XXXX ). Through our email exchange, I provided some details of the upgrade offer on XX/XX/XXXX. However, I then never heard from him after his one-time reply. I had requested a follow up through this email for several times, on XX/XX/XXXX, XX/XX/XXXX, etc. Our email exchange history is attached. 

By XX/XX/2019 when it has been 90 days since I changed the card type, I have completed all the requirements ( i.e. spending more than XXXX USD on the new credit card ). No bonus posted to my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: REMAX
State: AZ

Complaint narrative:
On XX/XX/2019 when we signed and notarized our closing documents, they had defined commission pay outs of {$9000.00} to RE/MAX professionals and {$12000.00} to XXXX XXXX. On XX/XX/2019 at XXXX I received final closing documents via email, which reflected a commissions change from the closing documents that I signed. The changes reflected {$11000.00} to RE/MAX professionals and {$13000.00} to XXXX XXXX. Changes were made to the commissions without my knowledge, signature, or any type of disclosure. The title company manager stated that she informed my realtor that all documents had been signed and notarized. However, changes were made to the documents regardless. To date, RE/MAX has stated that this was just a " lack of communication ''. I feel that I've been misrepresented by RE/MAX professionals and my realtor did not protect, disclose, or represent me properly throughout this process. To date, RE/MAX professionals has not admitted that they approved these changes without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
Synchrony lowered my credit limit without my knowledge and even though my credit score has only gone up since I opened the account. I had a recorded phone conversation in which they stated they received notice from XXXX on XX/XX/2019 that I had high risk factors. They have had until today, XX/XX/2019 ( almost a month ) to notify me of this and yet I have still have seen nothing in the mail. I only have knowledge of any of this because I went to make an early payment ( Ive made several ) in an effort to lower my balance to improve my credit score. Their adverse action will lower my credit score and cause me undue harm. Their lending has proven to be predatory and dishonest ( see their XXXX star rating and customer reviews ). Im investigating bringing a Class Action Law Suit against them as Im clearly not the only person who has experienced this according to the multiple complaints on the XXXX and even on here.

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 2019-07-11 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: CO

Complaint narrative:
I noticed my credit reduced due to a loan with XXXX XXXX. I never took out a loan, and have no knowledge of this loan. Not only did it negatively affect my credit, but I'm worried this is a matter of fraud and larger concerns may be of risk. Please reach out asap to help. Thank 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 explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/19 I received a notice from myfico.com that my Equifax score had dropped 20 pts. the association given was a hard inquiry by XXXX. I do not nor have I have applied for credit with XXXX. I immediately contacted Equifax to file a dispute. Some time later I contacted Equifax by phone after being unable to access my credit file through their site. I was told that XXXX upheld the hard inquiry and that I would have to contact XXXX to have it removed. I did so and XXXX repeatedly gave me the run around stating I had to know how I applied with XXXX to have it removed. Even though I repeatedly told them I had made no inquiry. I was also told by XXXX that I needed to give them all of my addresses and my social security number so they could determine which XXXX location ran my credit. I finally refused and told them they needed to remove the inquiry as I didn't authorize it. I was eventually sent an email from XXXX XXXX stating the inquiry would be removed. However, Equifax continues to state the inquiry was upheld by XXXX and my credit score is still the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a home loan with XXXX XXXX XXXX XXXX in XXXX in XXXX Bank of America took over the account due to some legal issues with XXXX XXXX XXXX XXXX in XXXX the home went into foreclosure at that time I move to XXXX XXXX Bank of America in XXXX reported on my credit report that it was a eviction the eviction is not correct it was foreclosed I move to XXXX XXXX and did not stay in XXXX the information provided by Bank of America is incorrect and I want to have that information removed from my Consumer Reports I was told that I had to contact your Bureau in order to have it removed Bank of America and XXXX XXXX XXXX XXXX have already removed the information from my credit report but it is my understanding that it is still on my Consumer Reports please look into this matter and have the information corrected and removed it is showing that it should be remove according to credit reporting agencies in XXXX or XXXX of this year I do not want to wait to have incorrect information removed from my 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 explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Account XXXX XXXX. 

Ally banks call center supervisor XXXX refused to provide me with the necessary information that was required for my banking needs. 

I called and asked a bank representative to add in my external bank account details. Later I found out that the representative put the wrong external bank account details. 

I called the bank and I was told the bank will send two small deposits to my external bank account for verification. I was confirmed that this two small deposits will now be marked as a default transfer as the bank account details are incorrect. ( something that is not my fault ) A supervisor named XXXX took the phone call. I asked her what the banks criteria is for next business day delivery for ach transfers and if this wrong account numbers put by a bank representative over the phone will affect that criteria. XXXX refused to provide that information.

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 2019-07-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$1600.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a Discover Card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: World Acceptance Corporation
State: GA

Complaint narrative:
The company World Finance was told during initial process by any means do not contact my employer. They called on XX/XX/XXXX for the 3rd time. When I called their corporate I was advised it was in fact noted to not contact my employer by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CAPITAL ONE- From XXXX, XXXX to XXXX, XXXX, I made numerous reports that my credit card reflected unauthorized charges. I had this card since XXXX and rarely used it as history shows. When I did use the card, the balance was paid off the following month. Attached is a copy of my credit score of XXXX from XXXX, XXXX. I filed a police report, then a restraining order as I quickly realized that this was a man I dated for a few months. It wouldnt have lasted more than a couple dates, but he was not easy to break it off with. I knew was using it because he paid his cell phone bill with my card. When I confronted him, he threatened harm to me and my daughter. He said he had connections with gang members and as I continued to pursue action against him, I started living in fear from the threats he made, he had hacked my computer, made constant drive-bys or waiting outside until police were were called. My credit card was replaced at least 6 times, but that didnt stop his ability to use it. Finally, the credit card company agreed to reverse the charges. But upon receiving my statement in XXXX, XXXX, they only reversed the charges beginning in XXXX, XXXX totaling {$2400.00}! My credit card was maxed from XXXX, XXXX to XXXX, XXXX leaving a balance of {$9300.00}. I only continued making payments in good faith that they would resolve this issue. After they reversed a measly {$2400.00} and as the threats were increasingly real, my familys safety was critical. He evaded being served for the restraining order over the course of several months and I was told that the police couldnt continue to attempt serving him, but that I would need to hire a server. We were living off of food stamps already, so I was was in no position to hire a server. Now they are seeking a judgement lien while I can barely make rent. Shame on CAPITAL ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a Capital one card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the capital one and total visa cards. I set up another payment plan for the discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
I was informed on XX/XX/XXXX that FedLoan Servicing who had handled my student loan had discovered a disbursement adjustment on a loan that was paid in full XX/XX/XXXX. The account has shown since XX/XX/XXXX to XX/XX/XXXX a {$0.00} balance. Once they discovered the error they posted a balance of {$220.00}. This amount however is not the the adjustment amount but it is the amount that was adjusted plus interest that was charged on that amount since I paid off the full balance on XX/XX/XXXX. I addressed with Fedloan how can you charge me interest from XX/XX/XXXX-XX/XX/XXXX with my account showing a {$0.00} balance the entire time. They stated they did not discover it until XX/XX/XXXX and I must pay interest on that balance. I was never informed of a balance or that I was accruing interest on the balance until after I have accrued over the 21 months. In other words they made an accounting error and discovered it 1 year 9 months later and I as the consumer I have to pay interest for the error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2019 four transactions for XXXX store # XXXX for {$500.00} each occurred. On XX/XX/2019 a transaction at the XXXX XXXX XXXX XXXX in XXXX, TN for {$1000.00} occurred and then another for {$1000.00} at the same XXXX store occurred on XX/XX/2019. I then made a claim that all of those transactions were fraudulent on XX/XX/2019. On XX/XX/2019 Bank of America refused to cover the fraud claims and expects me to pay for the charges. I called to ask why they did not cover the charges and their only reason was that the purchases were not online despite the purchases not following my purchasing pattern.

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 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
On XX/XX/2019, NJ HESSA reported that my loans, XXXX, XXXX XXXX, as being 30 days late. This is incorrect reporting because they were supposed to be in deferment since I had started classes on XX/XX/2019. I contacted them and made them aware and they informed me that although my status had been updated on the national publishers clearing house it had not been updated in their system yet. I was informed that once it was the loans would go back into deferment and any negative reporting would be corrected. It is now XX/XX/2019 and the negative 30 day late for the month of XXXX remains on my credit report for all three loans listed above on all three credit bureau agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX, XXXX, and XXXX XXXX card. Where I didn't make enough money at the time to pay the cards by my payment deadline and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX  XXXX and XXXX  XXXX  cards. I set up another payment plan for the XXXX  card which I am currently making payments on.

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 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Over the past several years my information has been compromised from a data breach from XXXX, XXXX, and most recently XXXX XXXX XXXX. I have placed fraud alerts on my credit file but yet I am still being victimized and now harassed by collections agencies concerning accounts that I have no clue about. When ask for Validation all they are able to send me are bills with my name on them or they will send me letters stating they have already addressed this matter with me and will continue to call, or write letters to me until this amount is paid. I have files police reports concerning this matter but yet the harassment continues.If the CFPB can not assist me in getting this matter resolved it leaves me no choice but to file legal actions against all parties involved in harassing me. I had to get a new back account because that too had been compromised. This has been going on for the past 7 years and these companies continual threats and negative marks on my credit report needs to stop and be stopped now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2014 I bought a XXXX XXXX from Best   Buy for {$290.00}. This product was returned on XX/XX/2014. This is reflected on my credit report as a closed account. Accurate. On XX/XX/2014 I bought a XXXX XXXX from Best Buy for {$260.00}, and this was returned because I found out I might be deploying. This was returned on XX/XX/2014. This purchase is on my credit report as a charged purchase that was never returned and is incorrect. I have proof in the form of pictures from my online account through Best Buy that I was able to access, showing both purchases and both returns. But for some reason this company decided it was going to try to collect a debt from me that was returned in full. This has been negatively dragging down my credit for years. I have tried to rectify this issue with the company and all they do is give me the run around with no easy way to get this remedied. The people that I am speaking to can give me no answers. I submitted a dispute through XXXX providing the proof of this error and it came back as verified as accurate. So with no other means at my disposal I am coming here.

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 2019-07-11 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: MN

Complaint narrative:
TO WHOM IT MAY CONCERN, IM NOT PERFECT BUT I WAS XXXX XX/XX/2016 AND I SEE WHERE SOMEBODY WAS USING MY NAME TO GET FUND FOR COLLEGE AND GO TO SCHOOL. I NEVER ATTEND COLLEGE IN LIFE MY AND IM NOT SAYING COLLEGE IS BAD BUT I DIDNT GO TO COLLEGE AND HOW CAN I ATTEND COLLEGE WHEN I WAS XXXX XXXX AT THE SAME TIME SOMEONE WAS USING MY NAME. THESE ACCOUNTS IS ONLY SHOWING UP ON MY EXPERIAN REPORT MAYBE THIS IS A MISTAKE/WRONG PERSON BUT WHAT I DO KNOW THIS IS NOT ME THIS IS 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 non-monetary relief