vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-30 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: NY

Complaint narrative:
An organization by the name of XXXX XXXX out of XXXX, XXXX   misrepresented a colored diamond investment to me and as a result I have invalid charges on 4 Major Credit Cards totaling over {$53000.00} with the following institutions ; Bank of America, XXXX XXXX, XXXX and XXXX. A Record of the charges and receipts are included in the attached document.. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for transaction documentation from the XXXX Police , a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police . 

Despite this documentation all 4 institutions have refused to honor the Fraud Claims,.

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 2018-09-30 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: MN

Complaint narrative:
I clicked on links to take advantage of a XXXX  AMEX platinum card marketing offer that ended XX/XX/2018 ( I did this on XX/XX/2018 ). The offer was for XXXX miles and XXXX MQMs, dependent on purchases within the first 3 months. The link redirected me to AMEX ' site, where I applied for platinum status card and was approved. I met the requirements of the offer, yet to date I have only received a portion of the offer and am still due 25,000 airline miles.

I have called American Express multiple times, and each time they offer only portions of the complete marketing campaign. Calls on XX/XX/18, XX/XX/18 ( they credited me XXXXk miles on this call ), XX/XX/18 ( they credited me 20k miles on this call ) and XX/XX/18 have been met with partial credit for what I am due. American Express claims that I upgraded my card vs applying for a new card, and therefore was not eligible for the credit, yet the website application was extremely misleading and nowhere was this presented to me during the process. 

On my last call to American Express on XX/XX/18, I indicated that I would be submitting a formal complaint if this matter was not resolved within a reasonable timeframe of 30 days. At this point, the terms of the offer have not been met, and by my records I am still owed XXXX airline miles. If American Express honors this and credits the additional XXXX miles, I will consider this matter resolved, but unfortunately I have been unable to get them to proactively act on this and need assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They woke me up today, on a Sunday, called back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: NY

Complaint narrative:
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from Equifax, XXXX and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Received a call at XXXX XXXX, to my knowledge debt collectors are not allow to call in Texas on Sunday before XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: NY

Complaint narrative:
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX XXXX and Transuinion, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.

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 2018-09-30 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: NY

Complaint narrative:
As a victim of Identity Theft, I submitted a dispute towards fraudulent accounts that were reporting on my personal credit report from XXXX, Experian and XXXX, yet to no avail. My dispute has not even warranted a response from any of the Reporting Agencies which makes me feel victimized all over again.

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 2018-09-30 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: GA

Complaint narrative:
After 2 submissions of disputes in regards to my identity theft and non action from the credit reporting agencies, I have no question but to submit this complaint as I have submitted everything according to there corporate policies and FCRA 605b. in regards to Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )

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 2018-09-30 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to th

e Federal Law and State Law. Therefore I request that all hard inquiries be removed.

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 2018-09-30 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: FL

Complaint narrative:
I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several hard inquiries on my credit report that I do not recognize : - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX ( yes a second time )

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 2018-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Select Portfolio is not willing to resolve my mortgage issue by correcting the principle balance of my mortgage loan that was transferred by XXXX XXXX XX/XX/XXXX ( {$84000.00} ). I never agreed to a Sub Prime Mortgage of {$240000.00} with XXXX XXXX. I have lived in my home since XX/XX/XXXX in fact, it was a construction home. 

Select Portfolio stated recently that the Mortgage still belongs to XXXX XXXX and the Loan Modification needs to be approve by XXXX XXXX. This is a monopoly. 

As a consumer, I request the Federal of Investigation investigate both XXXX and Select Portfolio for Mortgage Fraud. The mortgage fraud monopoly issue with both XXXX and Select Portfolio Servicing. It is time the CFPB gets involve and sanction both these Mortgage business to the list of Lawsuit claims against them for Mortgage fraud. This scam has cost countless innocent home owners such as myself and other consumers stress and uncertainty. Congress pass a law that prevents Mortgage Companies and Servicers from Mortgage Fraud and get the HUD Department involve to insure these Mortgage Companies are honest and comply with Trust in Lending laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.

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 2018-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Common wealth financial is listed on my credit report and they did not send me a dunning letter to give me a chance to challenge the debt.I am letting the cfpb know i have never had an account with this company and they can not prove i have ever had an account with them so why are they listed on my credit report with all this inaccurate information. I have no idea who they are and why they think it is legal to report this inaccurate information on my credit report.They have my social security number and i did not give it to them which is identity theft. I want all my information deleted from their database, office and files. I am asking for debt validation and contract or agreement i have with their company. If a collection agency do not validate a debt and they still report to the credit bureaus is violation of consumer protection afforded by the FDCPA section 809 ( b ) FTC opinion letter XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: FL

Complaint narrative:
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge. 

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same. 

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law. 

Therefore I request that all hard inquiries be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Previously I have ask the credit reporting agency, to correct the hard inquiries that on my credit report and that I have not authorized and done without my knowledge.

all credit bureau has ignored my request and complaint, they have not address my concerns or corrected same.

These company has again monetary benefits for reporting and selling my poor credit report and there refusal is in violation to the Federal Law and State Law.

Therefore I request that all hard inquiries be removed.

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 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On my monthly credit card statement was a paypal charge {$8.00}. I checked my XXXX   account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX ( XXXX ) XXXX CA. I called this number and the computer told welcome to XXXX. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Hello, I am having such a hard time dealing with Navient right now I really need help. I am currently unemployed and have been in a IDR since I began paying off my student loan balance. Currently I can not make payments due to my financial hardship, XX/XX/2018 has been a difficult year for me and havent had work for several months. Speaking to the Navient representatives over the phone I keep being told that my only options are forbearance or deferment. I have to renew my IDR every year and the last company I worked for in XXXX, CA DBA, XXXX XXXX XXXX will not send me my pay history for the life of me. Now the company is operating under a new DBA, XXXX XXXX. With that being said I can not renew my IDR payment using the money I generated from my last job, and if I were to use last years tax return my payment would be over $ 300/month and I am barely surviving right now. There has to be other options for somebody who is unemployed and making no income. I have already been steered to jumping into a forbearance and I was misinformed that time and they are pushing me to that option again. 

Please help me! 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: Midwest Recovery Systems
State: AL

Complaint narrative:
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX  and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I recently applied for credit at XXXX and was denied by a credit reporting agency XXXX XXXX. A company I have never heard of. I was being denied, because the person applying was deceased. Im very much alive, and well. I contacted XXXX XXXX on XX/XX/2018. They didnt know who they were either, and they told me that I needed to contact XXXX. I ask them why when it was not XXXX  who gave them the report. They had no reasonable answer. I was given a XXXX number for XXXX ( XXXX ). This not XXXX number, but someone trying to sell various products.

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 2018-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I had a workers comp visited ( XX/XX/XXXX ) that had to be approved by the adjuster before I could even go to therapy. XXXX  never contacted me until I moved two years later. ( XX/XX/XXXX) I asked them to contact XXXX & to please stop calling me. They were interfering with my job. Well they kept calling and telling me this is my bill & they now call from multiple numbers, multiple times a day. They dont even leave voicemails anymore. I am tired. I cant answer my phone because I maybe told about a bill that isnt mines its very stressful. I have to block all the numbers they call from so my phone isnt ringing all day & my battery doesnt die.

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 2018-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On my monthly credit card statement was a paypal charge {$8.00}. I checked my paypal account ( which I havent used in many years ). No transactions were shown for the last two or more years. The phone number next to this supposed charge on my statement is XXXX  XXXX XXXX XXXX XXXX CA. I called this number and the computer told welcome to paypal. I immediately terminated the call. I did contact the bank in regards to this charge and they are also looking into this. I realize {$8.00} is a very small amount to be concerned about, but something that is being used as an attempt to commit identity theft.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2018 - filed complaint # XXXX Called Rep twice, XXXX XXXX @ XXXX XXXX, Rep never returned my calls Reading the response to my complaint # XXXX, paragraph 6 of the Summary of research is incorrect and it appears that the investigating repignored or " cherry picked '' all of the recorded calls I had with XXXX credit card reps. Specifically, there was no mention of my XX/XX/2018 conversation with XXXX credit card supervisor, XXXX in XXXX, who told me on XX/XX/18 that the {$100.00} promotional credit would be posted to my XXXX XXXX credit card 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 2018-09-30 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX credit/debit card # : XXXX is lost/stolen. All of the transactions are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30 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: AZ

Complaint narrative:
My XXXX XXXX XXXX XXXX XXXX credit card # XXXX is lost/stolen, and all the transactions are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief