vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Hello - In XX/XX/XXXX a 30 day late payment was erroneously listed on my credit report that lowered my credit score substantially.  Due to that error on my credit report, Bank of America lowered my credit limit on both of my credit cards.  I received emails onXX/XX/XXXX and letters dated XX/XX/XXXX informing me that BofA was lowering both of my credit limits.  I have been a loyal customer with BofA since XXXX   and have always paid all of my bills on time with them.  I recently had a battle with XXXX XXXX and I am very grateful to be cured.  However, I am working very hard to pay of debt and my credit limits are very important to me.  The error on my credit reports has been fixed and I called BofA thinking they would easily return me to my previous credit limits as the reason for they changed them was in error and was now remedied.  They refused to honor my request and I am frankly astonished.  I am a very good customer with an excellent payment history and I am thankfully recovering from a very serious illness.I sincerely appreciate any help you can give me in restoring my credit limits to their previous levels.  I hope to resolve this quickly and easily so we don't need to go to a campaign on social media to address this issue with BofA.

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 2019-08-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019, I was approved by Citi for the Citi / AAdvantage Platinum Select World Elite Mastercard with a credit limit of {$13000.00}. 

The offer at the time was : Earn 60,000 miles after spending {$3000.00} within the first 3 months of account opening. I have a screen shot of this very promo from Citi 's own website.

When I received my card in the mail, a letter said that I would earn 40,000 miles if I spent {$2000.00} within the first 3 months of account opening. 

I called Citi on XX/XX/2019 and informed them of the issue, that I had received the wrong promotion. They sent my concern on to the marketing department. I then received a letter in the mail from Citi saying that I had not been solicited for that offer. 

I called Citi back on XX/XX/2019 stating that I had a screen shot of the offer I applied for. They had me email the screen shot to an email address at Citi that is for XXXX XXXX promotions. 

I hadn't heard anything back for nearly a month, so I sent an email to the given email address yesterday ( XX/XX/2019 ) asking for a response. As I hadn't heard anything today ( XX/XX/2019 ), I called Citi support. 

I was told that they did in fact receive my screen shot, but apparently they would not apply the proper promo to my account for this circular reason : Allegedly, I was not solicited, with a letter in my name, offering me the 60k miles promo. I wasn't, to my recollection, sent an offer for the $ 40k either. Because their own website did not have my name on the offer ( which it logically wouldn't ), the promo did not necessary apply to me **even though I was approved for the card when I applied for the card under the offer**. 
So I wasn't " technically '' offered the 60k promo, but I was allowed to apply for the card under it **and I was approved**. 

This is false promotion and messaging.

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 2019-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My daughter 's phone keeps getting calls and messages from this company called Mr Cooper Loans, number XXXX. we never had any business with them, never own any money to any company. I called them asking them to remove our phone number from their calling list, they admit we don't have any loan with them, but the customer service guy refused to remove our phone number and hanged up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I was with XXXX XXXX. I work at a XXXX XXXX  and applied to get the PSLF plan. While that was processing, I received an email ( XX/XX/XXXX ) from XXXX XXXX stating my IDR is expiring and I need to renew. I submitted my paperwork for renewal and received an email that I was approved for an IDR. I received an email ( XX/XX/XXXX ) that my XXXX payment would be {$320.00}. I received an email on XX/XX/XXXX that my loan was being transferred to Fedloan. The email I received stated that my payment plan would not change. I recieved an email from XXXX XXXX ( XX/XX/XXXX ) that my XXXX bill was due and the amount was XXXX. I paid that as soon as it was available to be paid on the Fed Loan site because I could not pay it on the XXXX XXXX website. I paid XX/XX/XXXX bill through Fed Loan, and it was {$320.00}. I then went to pay XX/XX/XXXX payment, and the amount listed was {$1300.00}. I emailed Fed Loan and was told ( by email on XX/XX/XXXX ) that my IDR was for 4 months and I had to reapply. I went and re-applied, even though I knew I should have been okay. However, the amount owed was not changed and it listed me as late. I was approved for a new IDR, but the payment amount was for {$360.00}. I used the same information ( 1040 ) from XXXX XXXX, but now they want more money. I have repeatedly emailed them and called them to get XX/XX/XXXX payment corrected ( and now XX/XX/XXXX ) and I have requested that my IDR from XXXX XXXX be re-instated because it should have lasted until XX/XX/XXXX. They are effecting my PSLF plan and are going to mess up my credit report. 

I have all the emails from XXXX XXXX and Fed Loan, and I have submitted them to Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
world savings bank / Wachovia bank / wells fargo bank mortgages XXXX texas usa fradulent forclosure /cahoots magistrate judge XXXX florida usa cfpb 39 case complaints against wells fargo bank mortgages for stealing my penshion home in florida usa CFPB with all the changes you have made from the start XX/XX/XXXX no missed paymant acount in credit over 50 % equity in home mortgage XXXX home value XXXX corupt final judgemant XX/XX/XXXX sold 3times within 1 week seen days and increased another XXXX XXXX court steps? the bank and athird party i had this home built in XX/XX/XXXX until XX/XX/XXXX pad my taxes paid my insurances and added to the american system but you picked me out because i was a foriegn national /english subject and when the banks were in dire straights you pick on us XXXX because we were not entitled to the usa govermant protection housing /etc this was a blatent way to recollect on mortgages with over 40 % equity in the property most americans were under water with the propertys no forclosures ther? please read my file of cases all the proof is there this was adeliberate act to deceive all payments cashed by wells fargo mortgages acount in credit un cashed insurance check why have you not prosecuted this fraudulent bank and put the person responsable for the fraud in jail thanks 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 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was applying for a loan for a car from XXXX XXXX XXXX XXXX. All papers were filled out and the final step was to get a credit report. All three of the credit reporting agency 's have been locked. I went back to the office and entered the information to Experian. After they confirmed my identity they issued me a pin. 
I read the pin number over the phone to the banks credit department. They read it back so I know it was transferred correctly. About an hour later they called and said it did not work. I went back into the Experian site and this time I requested the PIN number be emailed to me. After one hour of waiting I gave up and went back into the site and asked again. This time I received a notice that stated.. " We are unable to honor your request for a single use Personal Idenification Number based on the information you entered. 
To request a single use Personal Identification Number Please mail us this letter '' Also include one copy of a government issued identification card such as a drivers license, state ID card etc. Also one copy of a utility bill, bank of insurance statement and a copy of your Social Security card. The letter goes on with other requirements. I am current locked out of a credit reporting agency until I complete there requests. Since I was breach at XXXX  with this same information, why would I send it in the mail without knowing it wold go to a secure location with secure personal and be destroyed securely. 
It is clear that they take NO responsibility for security. If you call Experian it is just answering machines unless you want to buy their Security package which the US governments mandates is free.

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 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I spoke with American Express on Tuesday, XXXX, XXXX 2019 around XXXXXXXX XXXX   considering my suspended paid overtime feature. The Customer Service Representative stated that she was going to put me on hold and speak with the Risk Management Department. After 15 minutes past by she finally came back to the phone and said Mr. XXXX they had your account up for review and they reinstated your pay over time. I asked her a few more questions and she put me on hold once again, after 20 minutes went by I had to hang up the phone. I just checked my account today which is XX/XX/2019 and the suspension for paid overtime is still there. I called back today once again and NOW I'm getting the run around nobody knows anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX I was forced to file chapter XXXX  bankruptcy (I lost my job and my wife suffered medical problems that temporary left her unable to work). One of the creditors was a Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX, Texas. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX (XXXX) XXXX-XXXXIn XXXX all the records of the bankruptcy finally dropped off my credit report and I have had an excellent credit rating and FICA score since.  However, on XX/XX/XXXX of this year XXXX XXXX has reported to Transunion the debt owed to them from the bankruptcy as new debt from XX/XX/XXXX, with a new removal date of XX/XX/XXXX. I have the original records of the bankruptcy showing the discharged debt. I have disputed the new record of the debt with Transunion. XXXX has dropped the debt and I was unable to obtain an online report from XXXX and had to request it by mail.Because XXXX XXXXy reported this debt again as new debt my FICA score with my credit card companies and my Bank (XXXX) has dropped significantly.Is there any other recourse I have other than disputing the reporting of the discharged debt?Is reporting this discharged debt as new legal. ThanksXXXX

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 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
XXXX XXXX XXXX, XXXX, -XXXX XXXX XXXX, XXXX, XXXX : sold us a concept to eliminate our timeshares and give us VIP LIFETIME Membership to XXXX FOR {$20000.00}. XXXX had the association with Capital One CC XXXX FOR PEOPLE TO APPLY FOR CREDIT SO THEY OFFERED A {$10000.00} EACH -APPLICATION FOR MY WIFE AND me CAPITAL ONE ACCEPTED US AND CHARGED EACH OF US XXXX IN XXXX OR XXXX MY WIFE AND I FOUND OUT THE COMPANY WAS A FRAUD ... WE FILED WITH CAP ONE A FRAUD COMPLAINING AND THEY DISMISSED MY wifes AND REFUSED MINE. I CONTINUED TO DISPUTE THE CLAIM AND THEY REFUSED THE FRAUD CLAIM SAYING THE COMPANY REJECTED HIS CLAIM ... I wrote them several letters to prove the bill. I HAVE RETURN RECEIPTS AND TRACKING CODES FOR MAIL. They just kept sending a bill with no proof of the bill. I sent them a final cease and desist to claim I owe a fraud bill ... 
We have never received any service for the charge and the company is out of business with no way to contact them ... We have been denied membership with XXXX, so the whole thing was a fraud. 
They refunded my wife {$10000.00} plus the {$100.00}. She paid and refunds that also. XXXX XXXX XXXX XXXX I would like a total refund FOR ALL I PAID and a clean credit instead of a charge off. 
Case XXXX ACCT XXXX after my Cease and desist letter they charged the bill off and sold the collection to a law firm to collect. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX FILE NO. ; XXXX I ALSO SENT 3 LETTERS TO THEM AND A FINAL CEASE AND DESIST, LETTERS WITH TRACKING AND RETURN RECEIPTS ALSO. THEY STILL CONTINUED TO HARASS ME WITH A COLLECTION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Did not provide enough information to verify debt : In XXXX, XXXX and XXXX of 2019 I requested verification according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract but have been met with the same verified as accurate response without the documentation that I requested, continuing to damage my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: CA

Complaint narrative:
I took a call from Premier Holdings about a XXXX XXXX XXXX loan I took in 2007. They said they are calling me because they sent a notice to me but it was sent back to them, which would be false because I never got it in the first place! 

I have paid this debt in full but they are saying I owed over {$1300.00} still but they were willing to settle the matter today for {$650.00}. They said that if I did not pay today they would take me to court and have my wages garnished. I told them to prove to me I did not pay it and supply documentation. What they supplied to me was a copy of the loan document with the truth in lending disclosure that I signed when I got the loan. 

I contacted XXXX XXXX to verify the legitimacy of the debt and after talking with several people at XXXX XXXX they agree there is no debt owed by me and they do not show where they have sold any debt I had to anyone. They too were concerned that someone is trying to collect on a debt that is over 12 years old paid or not.

It is my understanding that in both the state of California and the state of Texas, collection companies can not collect on debts older than 4 years old which makes me scratch my head as well. However this is not the case in my situation. My debt was paid, and they have been unable to provide any type of proof of written collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
To Whom It May Concern, I am a XXXX  year old XXXXXXXX    XXXX, XXXX, and XXXX XXXX human being on XXXX. I made a big mistake online and  was duped by XXXX who claim free web-page making ads on-line, only to get charged {$270.00} and change. When I saw a charge for {$270.00}, I started panicking and getting very upset because there was no way for me to get a refund. That is because they do not have a phone to get in touch with. I have terrible XXXX XXXX that could easily be confirmed by the employees by TD Bank, the number 1 bank in the Americas and maybe in the world. On that note, TD Bank put my money back into my account as usual ( this was approximately 8 times in all ) as in the past occurances. I have other people in the world with my exact information being that I was hacked shortly after my divorce 6 years ago, the length of my XXXX experience being alive to experience ALL of the XXXX. along with the bank issues. Now, I have no access to my on-line account. 

I did receive a letter from TD Bank to fill out any information that could further explain as to the circumstances that involved my refund request. The request did not make any sense to me to respond to the incident where a refund was requested. In other words, the dispute was for a refund. That's all. I can't state it any clearer. Hence, what information can I give them to clarify the situation. I did not respond to the additional information letter, nor did I ever in the past and I still received my refunds on all my disputes. The only difference in this situation is that TD Bank was attempting to make something out of this case due to the high dollar amount of {$270.00}. I asked for my money to be refunded on or around XX/XX/XXXX ( my dead brothers birthday ) TD Bank remitted their final letter to me demanding that I take up the issue on my own. I have tried to call, but again no success. I saw no reason to reply to a moot point. 

TD Bank, located at : XXXX XXXX XXXX XXXX, XXXX, Delaware, XXXX please have my {$270.00} returned and my rights restored. Thank you, XXXX XXXX Be Fair to me. Please return my {$270.00} please. My 6 years of loyalty. My $ XXXX/mo XXXX direct deposit was compromised by more than half all FOR A REFUND!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I purchased an item at XXXX XXXX through a credit card issued by Comenity Bank.I received an email from a representative at XXXX XXXX that I would be compensated when the item was delivered to make up for a delayed delivery.I was not charged a reduced amount- I was charged the full price and was not issued any compensation.  After I contacted XXXX XXXX, they issued a gift card but did not credit my account. In the interim, I was charged late fees by Comenity Bank. I called a representative at Comenity Bank and spoke to him for an extended period of time describing the situation.  A significant amount of time passed before  I received a written notice from Comenity Bank that they did not have all the information they needed to process the dispute.  I then had to submit the dispute in writing, which included the email from XXXX XXXX promising compensation.In response to my written dispute to Comenity, they said the late fees, finances charges, and charged amount were all appropriate and said the case was closed.The compensation that was promised only materialized in the form of a store credit after I contacted XXXX XXXX.  The phone conversation I had with a representative of Comenity Bank led to a delay because that representative did not gather all of the required information to process the dispute. During this whole process I incurred late fees and finance charges. They also reported a 30 day late payment to credit reporting agencies in XXXX.  The item was delivered in XXXX and the promised compensation was not issued until after I called to inquire once the item had been delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: VA

Complaint narrative:
I have filed complaints, and send certified letters to Equifax requesting removal of inquiries that are fraud and I didn't authorize these companies to run my credit. They are as follows : XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX and XX/XX/XXXXXXXX XXXX-  XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I recieved a call for a woman XXXX XXXX who informed me she was from a company called XXXX XXXX XXXX XXXX and she was collecting a debt from a payday loan from XXXX from The Cash Store. I was told i owed over {$900.00} almost {$1000.00} and i needed to take care of that debt.  She said if i didn't take care of the matter right then iwas going to be taken to court for a civil and crimal suit. She knew everything about me including my social. She said if i didn't pay the county clerk would be contacting me. Well, on XX/XX/XXXX someone supposedly from the county clerk called me but then transferred me back to the same people from payment to keep it out of court. Not remembering that I've already paid my balance owed on that payday loan, and being threatened with lawsuits and jail time, i paid only to then do my research and contact XXXX XXXX XXXX the company i remember paying on a payday loan i did have. The same loan i paid off, these people from XXXX and XXXX which i found online to be an interior design compamy out of XXXX N.Y charged my account for {$500.00} which they said was a payoff amount for paying right then instead of being charged the higher amount of over {$900.00} if i was on a payment plan. I've already contacted my bank, canceled my card and am attemped to to file a dispute hoping the money will be returned to me. What else can i do?

Company response to consumer: Closed with explanation