vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jonathan Neil & Associates, Inc
State: CA

Complaint narrative:
The main reasons for my complaint are described in the fourth and fifth paragraphs below. 

On XX/XX/2018, I received a letter, dated XX/XX/18, from Jonathan Neil & Associates , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX, telling me I had seven business days to respond to the letter or they " may request SUSPENSION OF YOUR DRIVER 'S LICENSE, and also REMOVAL OF YOUR VEHICLE LICENSE PLATE REGISTRATION .... '' The letter also indicated an auto-insurer 's claim number and an amount of damages. The contact person listed was XXXX XXXX, at extension XXXX. The letter I received concerns an automobile accident in which I was involved in XXXX of this year. The matter was resolved by my auto-insurance company. I do not owe any money to anyone from this incident. 

Later on XX/XX/XXXX I faxed a copy of the letter to my auto-insurance company. On Monday, XX/XX/XXXX, my insurance company emailed me a copy of a letter that they had faxed and mailed to Jonathan Neil & Associates asking them not to contact me anymore and to contact them if they continued to have any concerns. 

Also on XX/XX/XXXX, I received a voicemail at my home at XXXX XXXX   from XXXX XXXX telling me it was " imperative '' that I call him before the end of the day about an important matter. The number he left for me to call was XXXX, extension XXXX. 

The main reason for my complaint is that also on XX/XX/XXXX I received  an email from my elderly mother-in-law who lives on the opposite side of the country from me. In that email and a subsequent phone call, she told me she had been awakened from a nap by a phone call from a man who I assume was Mr. XXXX, asking to speak with me. She said I wasn't there. He asked her for my cell-phone number. She said she didn't have it. When she asked him what the call was about, he said it was a " private '' or " personal '' matter. ( She's not sure which of those words he used. ) He asked her to tell me to call him " today. '' She doesn't have the name of the person who called, but the number and extension he left with her match those of XXXX XXXX that were left on my home voicemail that day. 

I do not know how Mr. XXXX found a connection between me and my mother-in-law and then found her phone number, but I assume it was through some internet sleuthing. I am furious that he called her at all, and that he disturbed her rest, and that he caused her worry. She had no knowledge of the incident about which he was trying to contact me. He never should have contacted her. 

To top it off, on XX/XX/XXXX I received another letter from Mr. XXXX, dated XX/XX/18, identical to the one he sent on XX/XX/XXXX and containing the same threats about my driver 's license and license plates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We sold a property in XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and closed on XX/XX/2018. We contacted the Mortgage Company, Freedom Mortgage, and gave them a change of address to send our escrow refund. On or around XX/XX/XXXX my wife contacted them to verify that they indeed had our correct address and asked if they had sent an escrow refund. They stated that a check was issued on XX/XX/XXXX and mailed on the XXXX. We waited a week, and called back stating we had not received the escrow refund, but did receive other mail from Freedom Mortgage with our correct address. They said give it 5 more days and then if by XX/XX/2018, we had not received our check they could void the original check and send us a new one. The following day we received an account closing statement, with no check, so we called them back and asked if the figures were correct, they said yes, and then we inquired as to whether a check should have been in that statement and they said " sometimes ''. 
My wife called back today, XXXX XXXX, 47 days after we closed on the property, and they told her they would void the check and submit another within 10 days. I got irritated and asked why another 10 days and they said it was " Policy ''. I asked what the federal requirements were for refunding an escrow account and they did not answer the question. I then asked why they did not cancel the check when we first contacted them and told them there was an issue, they said they could not. After repeated questioning they did admit they could have cancelled the check but their policy is not to, but rather re-submit a new check after the 10 day period, meaning we would not receive our escrow refund for well over 60 days after closing. 
I went to CFPB website, found where the law states they have 20 days to return the escrow, and I am asking for your help. 
We did our part by contacting the mortgage provider multiple times to inform them of the issue, waiting patiently, and now we have been lied to concerning the policy of the company, that a check was sent when one was not, and that they had up to 60 days to refund and escrow 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 2018-11-19 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: FL

Complaint narrative:
Dear sir or madam, I applied for an American Express credit card and was approved XX/XX/2018. The promotion was was that I receive XXXX XXXX XXXX points after spending {$3000.00} in the first three months. Also, one free weekend stay after one year. I did not receive the card until XX/XX/2018.I had contacted AMEX by phone and online to tell them that I had not received the card. I could not register it on line because I did not have it. In my last call to AMEX on the subject of the missing card, the very nice young lady understood and send my card next day mail. I am being denied my bonus points because AMEX says that I did not spend the {$3000.00} in three months. They are using ( the fine print apparently says they can ) XX/XX/XXXX as my starting date. I surpassed the {$3000.00} before XX/XX/2018.I do not think that it is fair business practice to start my timeline when I had No Card. 
I have made multiple contacts with AMEX # XXXX. Initially, I was told there was no offer. Then it was a different offer. Then it would take 6 to 8 weeks to find out what had happened. Then a couple of days ago, I received a message on my account that I did not meet the qualifier.I called in to explain that I did not have the card until XX/XX/XXXX. All of these interactions are a matter of record. Those dates are not in dispute. AMEX admits that I did not have the card until XX/XX/XXXX.They don't care. How is this fair business practice? It smacks of bait and switch. Switch from something to nothing. Thank you for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: Strategic Alliances, Inc.
State: UT

Complaint narrative:
1st Finl Investment Fund is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I completed the Fraud paperwork mailed to me by Navient, obtained a police report and gave a detailed letter as to what I believed happened and how XXXX was able to get access to my social security number and other personal information. They received my completed packet called XXXX XXXX, the representative for Navient said the case is closed as they called XXXX asked if she had permission to use my personal information for the purpose of the loan, they stated she confirmed I did give her permission to place me on the loan as a cosigner and they then closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
1. Curo Management - 2 inquiries from on the same day on my XXXX. I do not know who this company is and there is no reason for an inquiry on my report I have not applied for any loans.

2. XXXX XXXX - 2 inquiries on my XXXX  - I have not applied for any XXXX XXXX accounts. XXXX XXXX  keeps showing up on my credit reports and I have not applied for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: GA

Complaint narrative:
Made several disputes. Credit Reports XX/XX/2018, XX/XX/2018 post 'investigation ' showed no changes. I am writing this due to non-compliance with Credit reporting Agency, Transunion. 
Transunion has failed to remove information that has not been independently updated/verified and continue to report inaccurate information. 

Disputes based on incomplete investigation/inaccuracies. 

I Strongly believe that Transunion is in violation of the FCRA and are outright refusing to uphold 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
Consumer complaint received 2018-11-19 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.

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 2018-11-19 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my credit for a debt that isn't mine or I do not owe. IT looks like it is for medical but I have always had insurance and never owed this. 
I have never got a notice from this company ever ... 
This debt is old and not mine.

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 2018-11-19 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: IL

Complaint narrative:
On or around XX/XX/2018 I spoke with an Amex representative on the phone, who told me that ( despite being a previous delta skymiles cardholder ) I would qualify for signup bonuses of XXXX skymiles and XXXX skymiles for the XXXX XXXX and Gold Delta credit cards respectively. Additionally, I would also receive statement credits of {$100.00} and {$50.00} for the XXXX  and Gold cards respectively. In order to receive these promotions, I needed to meet minimum spending thresholds on each card, which I did on or around XX/XX/2018. However, after several months without seeing the statement credits or point bonuses in my account, I began calling XXXX to resolve this issue. My first call was on or around XX/XX/2018 with repeated calls about once per month until the present date. On each call, I was told that my case was still being examined but I was told that it sounded like I should have received these promotions. Today, I made a final call and was told that my case was denied and I would not be receiving my promotional offers. 

I feel that I have been taken advantage of by Amex and was mislead into applying for these two credit cards and paying {$190.00} in cardholder fees, only to be denied the promotions I was promised. Until now, my attempts to resolve this issue with Amex have been unsuccessful and I feel powerless to hold the company accountable for the promises they made me and for treating me fairly. This is why I am filing this claim to receive the support necessary to make my case right and receive the promotion that was promised to me at the beginning of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I owe. Approximately XXXX on my loans. I was told it had a fixed interest rate. This has not been the case. Navient bought my loans a few years ago and I have requested a few times a copy of my MPN. I have not received it and don't believe I have been heard by Navient about my complaints Also, I was unemployed a couple years ago and tried to do a deferment and although I qualified by ever requirement I was told my only option was a forebarence which has significantly increased my loan amount. This has not been resolved and Navient has hounded me about my payments and offer no information I have requested. 

I want to understand why they wouldn't let me go into deferment. I want to know why my interest rate continuously changes and what's can do to get ride of Navient as my provider as I believe they don't have my MPN and that why I'm not getting a copy. I believe that I was unlawfully forced into a forebarence when I qualified for a deferment. 

Tons of issues and no help from my provider. Please assist

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: AR

Complaint narrative:
I received a phone call while I was trying to console my XXXX child from a blocked phone number. The blocked phone number has called me twice at this point and so the third time I answered. It was a collection agent from XXXX XXXX XXXX. I told him it wasn't a good time because I was with my daughter and she was more important at the time but he could call me back the following week day when it was more appropriate. He would not let me off the phone for over 20 minutes. I eventually had to hang up on him. He called back the day I suggested at a time I told him I was not going to be available to go back and forth with him, but he tried to bait me again. I asked him to send me validation of the debt and he flat out refused. I hung up because he was trying to make me mad and kept telling me how my credit could be affected and that they didn't have it on my credit " yet! '' Today, I received another call from him ( " XXXX '' ) and this time he wasted no time to get me over to his " supervisor '' and then his " supervisor '' proceeds to tell me that if I don't pay that they would send my information " to a local lawyer to sue '' me! Now, I know some things and I know that is illegal. I understand that they have to make money, but to threaten people is unacceptable. To deny to provide proof of the debt has to be illegal as well. I haven't received the validation as requested and they refused to send it as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made clearly marked Principal Payments in addition to my monthly payments. The principal payments were applied incorrectly. Now they sold the loan and did not give proper credit, and included the odd balance of money applied as a fee. 
Bank of America payment of {$440.00} XXXX of every month. XX/XX/2018 made a principal payment of {$400.00}. It was credited as short {$48.00} for XX/XX/XXXX payment. Also noted on XX/XX/2018 " Short  Pmt Advance- Interest '' and CHARGED me {$48.00} extra as interest. I called, they tried to correct this, then same thing happened with XX/XX/XXXX. Now they sold the mortgage to XXXX XXXX XXXX with no correction on the principal credits. They still calculated interest. And they also have extra money of mine and still transfered the loan with a " FEE DUE, {$48.00}. '' This is Bank of Americas XXXX up, and they need to give proper credit at the times payments were made, back out the interest, send a correction to XXXX XXXX  and me. 
-I was also locked out of my account and can not give a print out of XX/XX/XXXX to B.O.A., though I can produce proof of payments from my credit union.

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 2018-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient per say is not the problem, they are adequately handling the loan in my opinion. My problem is that Im still in school. Im pursuing a federally funded XXXX/XXXX degree at A public university and after 5 years of deferment I am no longer allowed to defer repayment. This is a large burden because I only make a XXXX student salary of approximately $ XXXX/month and the payment they are asking for is more than {$800.00}. I feel their should be federal protection for students pursuing a federally funded higher degree program to allow them to defer student loan payments until residency even if they are private. I feel in a way I am being punished for pursuing a combined degree simply because it takes 8 years to obtain as opposed to a traditional XXXX only program which takes 4 years. Is there any legislation that protects students like me earning higher degrees from private student loan conditions? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: LEXISNEXIS
State: MN

Complaint narrative:
I found a Bankruptcy reporting on my consumer report with Lexis Nexis, I sent a letter requesting documentation bearing my signature. I received back a letter stating it was verified with no documentation of verification. 

I then sent a second request demanding per FCRA SS 611 ( 15 U.S.C ss 16811 ) description of procedure used to verify and under rule Bankruptcy Rule 9037 in addition to a " personal identification of prmation defines as individuals social security and taxpayer identification numbers, names of minor children, last 4 of SS and dates redacted. Therefore the claim of verified is in violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the dispute information, also in violation of Section 5 ( a ) of federal trade commission act ( 15 USC ss 45 ) which prohibits " unfair '' or deceptive acts or practices. Lexis Nexis replied with disputing on my behalf with XXXX. I am disputing Lexis Nexis in their  reporting of a bankruptcy on their report they hold under my personal information. 

Lexis Nexis can not verify a bankruptcy through a 3rd party, I am entitled to have the name, address and phone number of the PERSON who responded back with verification per FCRA Section 611 ( a ) ( 2 ) this can not be done and therefore it must be removed from my report with Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: CA

Complaint narrative:
The promotion said I would receive a {$200.00} credit on the XXXX XXXX ticket I was buying and showed the reduction in the price of that ticket. When I did not get the credit and complained to the credit card company they said the credit would be on my first statement. When that did not happen, I called again and they said the credit would be only for a future purchase.

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 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filling a complaint today against Bank of America checking account division because of a recent issue I discovered and they won solve it. Neither face to face nor on the phone. Here is my issue : on XX/XX/XXXX I deposited a money order for the amount of {$200.00} that I received from my employer. Yesterday XX/XX/2018 while I was checking my transaction I realized that there is debt in my account for the amount of {$200.00} which I assume that has to do with the money order because in the details say something about an altered check and I have deposited anything else. In my little knowledge of finance, a money order translates to guaranteed funds. Today XX/XX/2018 I decided to go to a physical location to talk to a representative but I waited over an hour and nobody could take care of me they were full and there were only two reps in the branch so I left. In my way home I called Bank of America customer service but they would put me on hold for over 20 mins and at the end hung up on me. The truth is that now I am out of the money and out of the money order and no one in that organization seems to be able to get my money back. Please help.

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