vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 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: AZ

Complaint narrative:
I signed up for an American Express XXXX Card. The offer was spend {$4000.00} in 3 months to get the bonus points. I met the spend in about 2 months and now AMEX is saying they won't pay out the bonus because I : either had this card before. ( I absolutely did not have this card before ) I closed other cards with them ( How is that relevant? I have spend over 30K with AMEX cards this year. They have been able to make their fee on each transaction. ) This is misleading / false advertising. The rules were simple. Meet the spend, get the bonus. 

Please hold them accountable. 

I have attached the statement showing the bonus was hit and the points were put into pending status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I applied and received an auto loan through Td Bank/Td Auto Finance LLC on XXXX XXXX 2019. The purchasing dealer was XXXX in XXXX florida. I maintained/maintain a perfect payment history, never late, and always fully insured. On XX/XX/XXXX, 5 days after accepting another on time payment, Td auto finance deciding to charge off account and report to my credit to all 3 bureaus. No correspondence by email or letters, no calls no nothing. I only found out because I monitor my credit so closely. So I immediately contacted the loan dept, and they cant answer any of my questions, they transfer to me to their collection dept, where they are completely rude and refuse to correct any of the info. They claim they sent out 1 letter in XXXX by XXXX, but cant supply the tracking number.Now they have sent a letter demanding me give them Authorization to contact the Social security administration, but they word the letter as if its my request.the letter goes as follows- " We're committed to keeping you informed and responding to your banking needs. Today, we're writing to send you a Social Security Administration Form. Please complete this form and return it to TD Auto Finance LLC ATTN : operational Fraud management XXXX XXXX XXXX. XXXX XXXX, MI XXXX. Please respond to this request within the next 10 business days, or we will close YOUR request ''. I Never requested anything. The Letter is coming from a XXXX XXXX from a completely different address which is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. My credit is being negatively affected by an account that still is accepting payments on time, and had no legitimate reason to charge off an account in perfect standing. I was never notified of any issue, nor was i notified before the company reported to my credit as per the fair credit reporting act. The company is now reporting as a delinquent account. It hasn't been late or delinquent till this day. By Law i am not obligated to authorize anyone or any entity to access the SSA on my behalf. Even if i were too, the company has already charged off my account as a bad debt. XXXX even says " charge-off/Never LATE ''. XXXX XXXX at Td auto Finance refused to be recorded when I asked if i could. she disconnected the phone call. they would not speak to me any longer in fear that i would record the conversation. When i stated i will not record she said i do not believe you and hung up. After this conversation they then reported it as a delinquent account the very next day and then proceeded to send a fair credit reporting act letter stating that they must disclose that they will be reporting to my credit before doing so.I received this letter 17 days after they had already charged off account and reported to my credit. I Need Help.This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have had numerous cards ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX, Victoria 's SecreXXXX, Zales, Ann Taylor, XXXX XXXX, XXXX XXXX XXXX, and XXXX, with Comenity Bank over the years. 

Their customer service is absolutely horrible. They are rude and do not answer your questions. They lie and tell you something has been done, when it is apparent it has not. 

They have cancelled many of my credit cards and lowered my balance without notifying me prior to doing so. 
I paid a few days late on my one card and they suspended the card until the next billing cycle which was 7 weeks later. 

I took the account assure to help if I was ever out of work, and was charged monthly for the service ( Not cheap ), which raised the balance owed on my credit card, so my card was maxed out and I wasn't even using it ( but because I had a balance I was charged ). When I called to use it, they gave me a hard time and I would have to send documents several times before they would start crediting my account ( always would claim they never received it ). When I called to cancel the service they would give me a hard time. 

They used to allow you to schedule monthly payments so that your account was automatically paid, they took that away without notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I've had a checking account with XXXX XXXX in XXXX, Georgia since XXXX of 2017. I've only filed a dispute over a charge I did not recognize once in all that time. I use my debit card a lot because I really don't like to carry cash. XXXX keeps freezing my card without any notice and it makes me feel like they are trying to stop me from using my own money. It's not their money and it's not their right to keep me from using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The late remarks listed is incorrect, there is a late 90 days with no prior late remarks on it. Also the date of last active is different from XXXX and 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 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've contacted Transunion to remove collections on my account that were reported unlawfully use of my SSN. They've failed to remove these inaccuracies multiple times.

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 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a contractor rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XXXX 2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather. NEW UPDATE CAUSE FIRST TRY DID NOT RESOLVE THE ISSUE -- - In XXXX I had a inspection and my mortgage company said I was only 18 % complete THIS IS A POLE BARN NOT A HOUSE I fought with them trying to explain to them that this is a pole barn and only thing left to complete a POLE BARN was place metal on it. A 100 % Complete Pole Barn Does not require a bathroom a kitchen a electrical panel -- -- A pole barn is a build that is used to store equipment in like mowers campers tractor etc. etc. -- -- After fighting with the mortgage company again I was lucky enough to be allowed more funds -- - I AM NOW 100 % complete and still fighting to receive the remaining {$10000.00} of my money -- -- The mortgage company keeps playing games and saying they haven't received an inspection that that wanted that they requested that they required. GIVE ME MY XXXX MONEY and quit holding me hostage by continuing to give me lame XXXX excuses that someone else holing it up -- -- I am complete so give me my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: AR

Complaint narrative:
I filed for bankruptcy and the day after filing was granted a loan modification. 

I paid mortgage outside of bankruptcy. 

When the bankruptcy was completed. I found that I was behind on payments but I had not missed any payments. 

I gathered the info to prove I had paid at least minimal payments but was still behind. 

Bankruptcy court was satisfied and case was discharged but I have several payments that were not credited to my account. Now I can not get anyone from the 4 different servicers to discuss this with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: IL

Complaint narrative:
On XX/XX/XXXX, I'd opened a XXXX Mastercard account ( XXXX XXXX ) and added both my mother and father to the account as additional cardholders with their own personal Social Security Numbers. After finding out within a month or two opening the account, my account information was being reported directly to their personal credit reporting files and a call was placed to XXXX XXXX  to remove them from my account. 

I was assured that letters would be sent to all three credit reporting agencies ( XXXX   XXXX and Experian ). 

Almost 1.5 years later, due to a slight overage of this {$300.00} limit account ( a {$300.00} balance ), a credit monitoring alert was sent to my father this morning ( XX/XX/XXXX ) from a status report made on XX/XX/XXXX via Experian. 

After several dozen calls and multiple hours of my time, I'd contacted XXXX XXXX ONCE AGAIN to do the process all over as well as send some type of correspondence as such, which they say they will. 

I'd then gone through the process with contacting Experian and once I'd reached a live operator ( due to supposed 'technical difficulties ' on their website ), I had to formally dispute and add a comment as such.

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 2019-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
I have been working with Quicken Loans for the past 6 weeks to secure a conventional mortgage. My loan was dropped 3 business days prior to closing without warning. There was no stated reason for why the loan was dropped. I have excellent credit, was putting {$200000.00} down on the purchase of a {$350000.00} home so it was considered very low risk. Quicken uses a website to handle the majority of their interactions with clients. I was in contact with them throughout the entire process and uploaded everything they asked for in a timely manner. I applied for the mortgage on XXXX XX/XX/2019. The loan was approved in the beginning of XXXX. On XXXX XX/XX/2019, I informed Quicken that I had received a competitve offer from a local bank and Quicken agreed to match their offer. The new rate was 3.25 % with a 1 % point buy down for {$1500.00}. I assumed everything was good to go. Then 10 days later on Friday, XXXX XXXX, I recieved a message from a " solution consultant '' asking me to call her back. She did not work weekends ; I was busy Monday the XXXX and tried calling her 3 times on Tuesday the XXXX. She did not answer. I tried texting her. She did not reply. I went on to the website and asked if everything was still good to go for closing on the XXXX? At that point, I recieved an automated email that simply stated : " Even though things didn't work out, you can still view your appraisal on Rocket Mortgage. Please note that your account for your loan ending in XXXXXX will close in 90 days, so you'll need to download your appraisal if you want to save it. '' I then emailed the original mortgage banker that I had worked with asking what happened. She simply said " I've CC 'd the solution consultant to assist you. '' She did not offer any explanation. Another person responded to the email and said, " It appears the solution consultant was trying to get a hold of you and we just couldn't hold the loan any longer. '' That was on Wednesday, XX/XX/XXXX - 2 business days prior to closing. In all, I had to work with over 8 different people at Quicken. Each time, they lacked the continuity and understanding of the situation. And it appears that once I tried to shop for a competitive rate, they were no longer interested in doing business with me but waited until the last minute to tell me which meant I could not meet closing and lost thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The late remarks listed is incorrect, there is a late 90 days with no prior late remarks on it. Also the date of last active is different from XXXX and 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 2019-10-23 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX. Received care, my insurance ( XXXX XXXX ) paid all my medical expenses except the physician portion, which was due to incorrect billing and coding. XXXX XXXX requested that XXXX XXXX billing department correct the claim and resend a corrected claim. XXXX XXXX billing department never did and balanced billed me {$1700.00}. I have called several times stating they need to correct the claim. XXXX XXXX has sent them a cease and desist about balance billing me the entire amount, and they continued to harass me for an entire year. This month I received a statement from a collection agency that stated I have until XX/XX/XXXX to pay the entire balance or they will sue me. My Insurance broker XXXX XXXX has called XXXX XXXX billing department and they stated I have to pay the balance they dont care what the situation " seems '' to be. I have called and pleaded with them to send a corrected claim, and per XXXX they haven't resent the claim, and I'm not responsible for the balance, and I have the EOB stating that the entire amount was adjusted off for " Provider Discount '' meaning a denial for improper billing and coding. XXXX XXXX   billing department has violated medical billing and coding ethics. Please assist me with this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late fee

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 2019-10-23 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
In XX/XX/XXXX y call to de XXXX XXXX XXXX XXXX because i receive a letter whi indicates my Auto Loan is in past due and i made all the payments before 30 days of past due, they told me, i have a payment without the late fee and if i dont pay the late fee they dont apply the payment to the loan and now i have 3 remarks on my credit of 30 days past due. They broken or damage my credit score, all my life i have a very good credit score and they ruined all i made for my credit, i have all the evidence i make every payment. Its wrong ruined my credit for a late fee

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 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
An account that is incorrect is reporting on my credit report 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 explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX Transunion reported to an apartment complex that I have a history of evictions and collection actions. None of the evictions are verified as accurate even though I have requested on several times for TransUnion to do so. I have paid off majority of all collections accounts ( minus medical bills ) and it has been well over 30 days and my report has not been updated. I was told that I have a Judgement from XX/XX/XXXX from a property that I lived at in XX/XX/XXXX which I paid off and never was evicted from. I was also told that I have a eviction from when I resided with my mother ( my name was never listed on a lease ; when asked to verify this information such as something with my signature on it Transunion could not provide. All of this erroneous information was giving to the apartment complex that I applied to which is not accurate. I called to Transunion on XX/XX/XXXX and was told all they can do is submit another dispute- this is the 3rd dispute that I have submitted to them. In the meantime I am unable to provide housing to my family because they are passing around erroneous information in regards to my finances.

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