vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 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: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I was negatively affected by the XXXX XXXX XXXX. I called American Express as soon as I realized I wouldnt be receiving paychecks regularly. I continued to keep American Express updated and make payments. I was told by several American Express agents that because my account history with them is excellent that if i continued to make payments I would not have negative reporting for my two platinum cards. When I became employed again, I advised American Express that I was never reimbursed for lost wages from the shut down and I had to get a new job. I now have a new job but Id need some time to catch up. I was told that the Amex personal platinum is more time sensitive for credit reporting and the business platinum wont reflect late until at least 60 days late. I paid XXXX in the last mint to avoid negative reporting for the personal platinum card. I can pay the ENTIRE balance of both platinum cards and blue cash everyday in ten business days from today. To my surprise, contrary to what I was told by American Express reps, my card was closed, cancelled and reported to the bureaus as delinquent. With my new job ( security clearance ) this is a huge problem for me. I want to set up an automatic payment for the entire balances, have the accounts reopened ( they should have never been closed ), and my credit reporting of negative deliquent status removed immediately. Im very upset. Ive spent tens of thousands on this card and paid on time prior to the shut down only to be treated like this. I spoke with XXXX in Arizona at headquarters and he promised me Id get a call from the supervisor XXXX yet I have not received a call yet in the promised time. I need this handled immediately. All cards were canceled yet I paid on all cards to avoid this as I was instructed by the reps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XXXX of 2019 I contacted CIT Bank about 2 large IRA 5 year CD 's I had coming due in both XXXX and XXXX. I wanted to both negotiate renewal and combine the CD 's at either CIT Bank or another institution of my choice consummate with interest rates and terms offered. I was informed that CIT Bank would notify me by email and USPS mail with the terms and conditions of renewal and allow me to change them if necessary. I explained that given our intense schedule it was important I be notified in a timely manner as my Wife is a 25 year XXXX American Veteran being supplied with a Military Service Animal and we will be out of the country late XXXX to Early XXXX on a Transatlantic cruise. During our cruise I had Internet access and did not get any notifications from CIT. I check my Spam daily to prevent missing anything. I also am signed up with USPS Informed Delivery which provides me with an image of every piece of USPS mail I get in my box daily. For a period of 60 days I received no mail from CIT Bank at all. When we returned from our trip I checked the 2 accounts and they were auto renewed for 5 years with an interest rate reduction from 2.42 % to 1.74 %. I called CIT Bank and they verified both my email and street address and they were both correct. They claimed they mailed a renewal form and never got any return mail. They only offered to cancel the CD 's with a significant penalty as the total almost {$39000.00} combined. I escalated to a Manager who only offered to reduce the term to one year at 2.20 %. I explained I have an offer with another bank of 5 years at 3.50 % and I want them cashed in with no penalty. I informed them if they want to reduce any accrued interest already earned from the maturity dates to their lowest rate I was OK with that. They refused. They stated my 3 choices were pay the penalty, withdraw the money as an IRA early disbursement and pay the taxes or accept the shorter term. All 3 are unacceptable. Attached id an XXXX statement I got online. It is one page and shows balances only. There is no attached notification of renewal, penalties or requirements even though the statement is dated 8 days prior to the first renewal. Can you assist me in this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank reported me 1 time 30 days past due XX/XX/XXXX. My account was not past due. I authorized payments, post dated payments for XX/XX/XXXX and XX/XX/XXXX to an agent that I spoke with on XX/XX/XXXX. I advised the non-english speaking agent that I would like the payments drafted out my account on the dates. All previous payments had been made over the phone and I had never had any issues. XXXX XXXX advised me of the over 30 on my credit. going forward I will initiate my own payments on the portal so that I will not have this issue again. This is a violation of the TCPA, FDCPA, and FCRA. Please remove the negative reporting that was caused by Comentity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against Mr. XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT

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 2019-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
On XX/XX/2019 I purchased a cashier 's check in the amount of {$1100.00} for my regular mortgage payment. After leaving my bank, I noticed that I had had it made payable to XXXX XXXX XXXX XXXX XXXX, rather than Penny Mac Home Loans. I marked through the " XXXX '' and wrote " Penny '' above it. The check was mailed. On or about XX/XX/2019 I received a letter from PennyMac Loan Services, LLC stating that the check had been returned to my financial institution as " unpaid '' and that I needed to submit a payment. After receiving this letter, I tried contacting PennyMac on a weekly basis to see what had happened with my check. On XX/XX/2019, I went into my bank and spoke with an officer with the bank. She explained that the check had NOT been returned to the bank as " unpaid '', instead PennyMac deposited the check into their account with XXXX XXXX XXXX She assisted me in contacting PennyMac, and on XX/XX/2019 provided a copy of the front and back of the paid check. She also contacted, with my permission, PennyMac to try and resolve this issue. Over the past two months, at least four attempts have been made by myself and my bank officer to try and get this resolved. Representatives at PennyMac will tell me that the situation has been " escalated '', but that I am due for what amounts to the XXXX payment. Last Thursday, XX/XX/XXXX, I received a phone call from a XXXX at PennyMac who stated that the payment had not been made, all investigations were complete, and that if I did not make another payment I would be turned over to a collection agency, late charges assessed, and reported on my credit. I have made more than adequate efforts to resolve this issue. PennyMac deposited the check into their account, and without it being returned by the paying bank, it was a properly payable check, and yet they refuse to resolve this issue that they ultimately created in XX/XX/2019 ; it is now XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a bankruptcy and received correspondence that it had been removed from my report and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: TX

Complaint narrative:
I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Transunion has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

1. XXXX Inquiry XX/XX/XXXX 2.XXXX Inquiry XX/XX/XXXX 3.XXXX XXXX Inquiry XX/XX/XXXX 4. XXXX XXXX Inquiry XX/XX/XXXX 5. XXXX XXXX Inquiry XX/XX/XXXX 6. XXXX XXXX Inquiry XX/XX/XXXX 7. XXXX XXXX Inquiry XX/XX/XXXX 8. XXXX Inquiry - XX/XX/XXXX 9. XXXX XXXX Inquiry XX/XX/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 2019-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On Monday XX/XX/XXXX I received an email with the following offer : " Open a Citi Accelerate Savings   Account with this exclusive offer Get started with : 2.36 % Annual Percentage Yield as of XX/XX/19. 
Plus, you can earn:10,000 XXXX XXXX AAdvantage bonus miles with required activities. '' The required activities were as follows : Earn XXXX AAdvantage bonus miles in two easy steps : 1.Open a new Citi Accelerate Savings Account with no limit on earnings. 
2.Use the Citi Mobile App for XXXX and log in to your new account at least two times within 30 days of opening your account to earn the XXXX AAdvantage bonus miles. 

I opened an account through the link provided in the email as I was instructed. I funded it and I made sure to download the app and check it multiple times, way more than the two times required because I wanted to make sure I qualified for the offer. 

I then called Citi to inquire on XX/XX/19 and was told that no such offer existed. I asked to speak with a manager who put me on hold and then came back with the same answer. I told them I was looking at the email with the offer terms as we spoke. I asked for an email address to forward the email as proof of the offer. She wouldn't give one out. I asked to transfer my call to whomever handles these offers. I was informed it was " the promotions department ''. I asked to be transferred to the promotions department and was told that they wouldn't accept my call. 

I was told I could open an inquiry and I did so. I received a letter in my account messages stating I didn't qualify for an offer that was completely different from the one I had originally inquired about. 

I feel completely misled by these bait and switch tactics. I did exactly as I was told to qualify for the offer and I would like my XXXX American  AAdvantage miles.

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 2019-05-20 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: OH

Complaint narrative:
Friday XX/XX/2019 I spoke with XXXX XXXX regarding my credit report and inaccurate information thats reporting continues to shows verified. Also, my other concern was the unauthorized hard inquiries reporting on my credit report. He stated that I can not dispute my inquiries. I will have to contact the creditors. However, I explained that a few of the creditors I have been unsuccessful reaching due to inaccurate phone numbers. Also, I spoke with XXXX XXXX Bank and XXXX stated that he sent the request to delete the inquiry due to my complaint. I requested to speak with the Special Handling Dept and he stated they were closed and to contact them Monday. I also requested to remove all disputed remarks on my accounts. Today, I spoke with XXXX in Special Handling and still no success. I have reiterated the same issue and she noticed that a few accounts did not have valid contact information for a consumer to dispute. However, she still chose not to investigate. Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.

Based on the evidence in my possession, this inquiry was performed under false pretenses.

I do hope that we can settle this matter. I request to remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or will pursue further legal actions.

Here are the unauthorized inquiries : 1 ) XXXX XXXX XXXX 2 ) ALXXXX XXXX XXXX ( 2x ) 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXT 5 ) CXXXX XXXX XXXX 6 ) XXXX XXXX XXXX ( 2x ) 7 ) XXXX XXXX XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX 11 ) XXXX XXXX   12 ) XXXX 13 ) XXXX 14 ) XXXX XXXX   EXPRESS PLEASE MAIL A COPY OF THE DELETIONS.

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 2019-05-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I used to live in XXXX I leased XXXX car my payments used to {XXXX}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX dollars more a month. XXXX continue to make payments for XXXX} via automatic debit, XXXX continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, XXXX stated that I had to pay {XXXX} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {XXXX} i could have easy been able to pay the who {XXXX} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( XXXX ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact XXXX XXXX they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
This complaint is regarding : EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Phone Number : XXXX Website : http : //www.eos-cca.com/ I was reached by telephone on XX/XX/2019 in regards to a legitimate debt that I was unaware of at the time for approximate sum of {$2000.00}. The debt collector explained to me that he's collecting a debt, etc ... 


I asked the representative multiple times if this currently, or will, reflect on my credit report. He explained clearly that it will not as long as a payment plan or payment was received. 


I told the collector that I was willing to pay the debt in full to prevent any damage to my credit, however, if I could set up a payment schedule of {$500.00} per month, I would prefer it ; again on the terms that it will not reflect on my credit report. He explained clearly again that it will not reflect on my credit report. I agreed to the plan and have been paying by the terms since. 


On XX/XX/2019 I received multiple credit alerts that there was a derogatory collection account posted from EOS CCA originating from XX/XX/2019 for the sum of {$1500.00}. This was explicitly a violation of the terms and agreement that the debt collector explained to me. In addition, the first payment of {$500.00} was not posted until the next day of origination ( the XXXX, during the call ), so the balance shown in collections was already post-payment ( not the original {$2000.00} balance and which also shows an invalid date of XX/XX/XXXX, not the XXXX ) which shows that the debt collector issued this credit hold after explaining the terms of the payment plan and setting the agreement that this would not be reflected on my credit report. 


After calling EOS CCA on 3 separate occasions on XX/XX/2019, they initially found no record of a conversation with a previous representative, but acknowledged the fact that a payment plan was in place and that there must've been contact. They also explained that there should have been no agreement with the representative and that they would never strike a deal to " not '' inform the credit bureaus. They explained that they would review the tapes and that I was supposed to call back within 48 hours to speak with a manager. 


EOS CCA misrepresented, misinformed and mishandled me and my information. Without transparency and releasing of the tapes they have on file of my conversation that set the agreement with their representative, I am at the mercy of EOS CCA and their managers, despite of holding my end of the agreement up, giving them the chance to further mishandle and manipulate me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: VT

Complaint narrative:
I requested a lower APR/Interest rate in XX/XX/XXXX. I received a generic response to my last CFPB complaint I submitted on this topic stating that APR was based on credit history and scores. I have over a 750 credit score and 100 % on time payments ; the reasoning provided in AMEx 's form letter was not responsive to my individual situation or request.

I started to email corporate requesting a specific reason why I was being denied a lower APR in XX/XX/XXXX. I was told to wait for a response several times, then I was told that a lower APR was available for my account, but I HAD TO CALL AND SPEAK TO SOMEONE ON THE PHONE IN ORDER FOR AMEX TO APPLY THE LOWER APR RATE TO MY ACCOUNT. AMEX claims that this is for security reasons that I must call.

I was told by the 'executive assistant ' if I would not call, that they would not apply the lower APR and they also would not respond to anymore emails. AMEX has been unresponsive to my requests to apply the lower APR for over 10 business days, despite my repeated requests to apply the lower APR to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XXXX XXXX I called Capitol One to pay off my credit card. I first used my rewards to pay {$170.00} then asked to pay the balance. This is on Capitol One 's taped line. The young lady said my balance was {$5000.00}. I then paid that amount. I asked twice if that was all that was owed to have a XXXX balance. She said yes. Next month I got a bill for {$110.00} and some change. I called and talked to 3 different people. The bill was for interest and service fees. When I went thru their company to pay it off and was told I still owed more, I was very irate. I don't believe I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Representative named XXXX from Navient is calling my place of employment repeatedly, nearly everyday for a week. He has also contacted my extended family members repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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: NJ

Complaint narrative:
Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my tuition assistance bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my tution assistance balance to 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 2019-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX they tell me they want to to speak with me that it's a business matter I told then I dont owe them any money and they keep calling every morning they are scamming people

Company response to consumer: Closed with explanation