vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX phone : XXXX. This company is charging XXXX dollars a month in interest fees. The charges amount to at least XXXX percent of the original balance. An original bill of XXXX is now XXXX. This is simply not right. The company refuses even to settle. I did sign up fo a revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
We requested an equity line of credit from US Bank in 2011. Instead they sent us a check for the amount of the credit line. We immediately returned the money to the bank, informed the bank of the error and requested for the account to be closed. We were made to believe that this has been done. About a year ago US Bank started sending us bills saying we owed them service fees for the past ten years because they never closed the account. The records clearly show that the money was never touched, we never used any credit and there were never any transactions on the account. For the past year US Bank has been giving us false promises of closing the account and zeroing out the fees and bounding us from person to person, hanging up on us, etc. This is an extortion attempt by the US Bank and is unacceptable.

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 2021-04-09 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: TX

Complaint narrative:
Equifax is reporting a medical collection on my report that does not belong to me. I do not know where this account came from and there is no creditor listed on the account. This inaccurate reporting is causing me significant harm and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. 
Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. 
I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. 

this is truly misleading and mischievous. Now they would not let me talk to a supervisor. 
I saw that promotion on XXXXXXXX XXXX website and decided to apply to get those miles. 

Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. 

the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
Id like to report the following company and individuals by that company for fraud and the above UDAAP issue. 

XXXX XXXX XXXX XXXX XXXX of company movement mortgage My witnesses to the fraud and lending issues are my family. 

Movement mortgage is dishonest and practicing classism and racism for potential XXXX home owners. 

Preferential treatment and interest rates and advisement are given to More affluent Customers where as less fortunate Customers are given incorrect, improper inappropriate advice with high costs to Poorer customers over the course of time. 

Movement mortgage should not be allowed to lend in the states of VA NOR NC AND any other states they are permitted to do so. 

I have been advised by XXXX XXXX various numbers that do not add up or when asked been given different numbers on the same day for the same loan type and home or address. 

I am now subject to being homeless after the dishonest sales tactics conducted by movement mortgage. 

I was also refused by movement Mortgage to have numbers forwarded over the course of the past few months when I requested a breakdown of the numbers and how funds would be allocated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/13, I used XXXX twice for what turned out to be an imposter posing as a friend of mine on XXXX. Needless to say, the promised grant funds were never delivered. This involved {$1000.00} and then {$1000.00}, totalling {$2000.00}. I immediately recognized the scam that even and started a dispute process with the bank. Needless to say, a month later, escalating the matter to everyone but the CEO, I am still getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I filed a dispute on XX/XX/2021 with American Express regarding a charge on my American Express Serve prepaid card for {$62.00} made on XX/XX/2021 to ship an envelope XXXX overnight priority through a third party shipper, XXXX XXXX XXXX XXXX. The package was delivered 3 days later than promised. Although XXXX agreed I should receive a refund or partial refund for not receiving the service I paid for, they said they are unable to process the credit because I went through a third party. The third party shipper is refusing to process the refund. Initially weather was used as a reason for the delay, however, that was debunked as the bad weather occurred the prior week, then I was told it was due to the pandemic - though they did not provide or post any notice or warnings of possible delays. I assure you if I was warned of any delays I would not have paid {$62.00} to send a piece of mail that would have cost XXXX XXXX to send through regular mail and would have arrived within the same timeframe. Furthermore, I was advised by American Express that I would be given a provisional credit if my dispute was not resolved within 10 days ( as per Regulation E ), which I have yet to receive. I contacted American Express Serve on XX/XX/2021 to inquire about the status of the dispute and the provisional credit, however, I was told I would not be given a provisional credit and I would need to wait up to 45 days or XX/XX/2021 for the final decision. They were not able to explain why I was not being given a provisional credit even after advising them of the Regulation E requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX XXXX  website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I'M IN THE PROCESS OF REFINANCING MY HOME AND A JUDGEMENT SHOWED UP THAT THE LENDER TOLD ME NEEDED TO BE PAID OR SETTLED BEFORE WE CAN MOVE FORWARD. I CONTACTED THE COMPANY REGARDING THIS ALLEGED DEBT AND THEY SENT OVER A FAX TRYING TO COLLECT FROM MY LOAN AT THE CLOSE OF ESCROW. I HAVE NO IDEA WHERE THIS CAME FROM AND I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
A fraudulent Bankruptcy is being reported. This Company reported the data provider as The US XXXX  Court In XXXX. Additionally, they listed XXXX as a provider of the public record. Documentation from the Court in question and The Data provider XXXX XXXX has been provided. XXXX has requested the item be removed and denies the confirmation of the reporting.

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 2021-04-09 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: CL Holdings LLC
State: OR

Complaint narrative:
Reporting an error, Not my account. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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:
Disputes were sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to dispute letter was sent to Equifax for a fraudulent inquiry by XXXX XXXX XXXX. The letters included a listing of the inquiries that were the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiries remain on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. this is truly misleading and mischievous. Now they would not let me talk to a supervisor. I saw that promotion on XXXX airline website and decided to apply to get those miles. Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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:
There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX BANK XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX  XXXX XXXX- Acct # XXXX-XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I sent CERTIFIED MAIL/RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX to Midland Credit management on XX/XX/2021. I asked to cease and desist all collection activity, including credit reporting. I have been contacted by XXXX XXXX Consumer Support Services several times after they received my cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
4 months spent contacting them and attempting to get a response from them with complete failure on their part to respond. I was hung up on and ignored, lied to and promised that someone would get back to me. I have now lost the opportunity to refinance at a historic low rate. Due to them ignoring me and lieing to me, I have now past the deadline of locking in a low rate and missed out on saving thousands of dollars. They did not return correspondence from my lender and were not willing to help. We made over 12 contacts with them including 3 way calls and e mails. They were reluctant to put us in contact with someone who was willing to help. My final call was yesterday, where I was on the phone for 4 hours and redirected 3 times to people who simply had no intention of helping me. The call ended when I was hung up on after being on hold for 1 hour and 20 minutes. I was contacted today by my lender for my refinance attempt, XXXX XXXX XXXX, and told that they were giving up and did not know of anything more they could do. They suggested I file a complaint. I was also contacted by Sun Trust XXXX today, they said they were starting an investigation into why I was treated this way. The XXXX  was not calling to assist me in my efforts, which I found odd. I believe that their company stance is to treat people like this when asking to subordinate a second mortgage. My lender spoke with people within the industry and learned that this is common practice with SunTrust. I would like to seek damages from them and would be interested in knowing how to do such a thing.

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 2021-04-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
there was four transactions, in which i didn't make. i reported them as soon as i found out about them, that was XXXX. the claims dept. was closed so i filed a claim on XX/XX/XXXX. they happened at an atm on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each transaction was for the same amount XXXX dollars. they denied the claim on XX/XX/XXXX. they made a decision in 4 days, 1 of the days was a holliday. they sent me a denial letter stating if i want to reopen the case or if i have more info that could help my claim, to call there claims dept. and i did call, and requested the info they used to make there decision, and to submit a police report. i faxed them a copy of the police report and reopen the claim. they denied me two more times. i have requested the info they used to deny me three different times and they still havent sent to me. The claim number is XXXX XXXX XXXX i have reciepts from faxing the police report to them. i have the denial letters from them. I dont know why they are denying my claim and i dont know what else to do.

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
About 9 months ago i start sending certified letters to Trans union XXXX  and XXXX disputing collections to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and only XXXX  and XXXX  delete this accounts with a balance of XXXX and XXXX dollars wich this 2 companys are reporting on my Transunion Credit file in violation of the law

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