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: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I applied for a credit card offer from American Express. I confirmed that I was eligible to receive the advertised bonus by meeting the specified spending amount ( {$3000.00} ). I then met that spend amount with legitimate charges. When the bonus didn't post, I inquired and was told the offer had been rescinded " because we can do anything we want at any time ''. Paraphrasing, but darn close. Doesn't seem like a legal, healthy business stance to me. 

I wrote to AMEX via email ( 2 different addresses found online : XXXX and XXXX. I'm not sure which one worked ( one emailed bounced back ). This was on XX/XX/2019. The email did result in a phone call. The message was a firm statement that they can not change this decision. 

I did close a few of my AMEX accounts and may do one more. I thought perhaps I would get over it. However, 6 months later and I'm still disgusted that a company like American Express can get away with this kind of non-sense. I'm interested in seeing that they don't, and to let others know that they do this kind of silly thing. 

I will attach the original email I sent for your review. Much more detail is in there, and I'd be happy to answer any other questions. Thanks for your support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 
2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 
4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I bought an engagement ring from XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. At that time, I took advantage of the 18 month interest free payment plan they had offered me. XXXX used Comenity Bank as their credit provider. Comenity set the monthly payments at {$240.00} per month without my input. I understood that this amount was setup to pay off the balance in full in 18 months. Additionally, Comenity setup up the payment dates of the XXXX of each month without my input. My final payment of {$180.00} was setup to be paid on XX/XX/XXXX. The interest accrued in full per the payment plan that Comentiy setup on XX/XX/XXXX. Community could have set them at $ XXXX  monthly and I would not have fallen short on my final automated payment of {$180.00} by less than two weeks. I was not able to access my account online after trying several times over several months, I had to finally call their customer service to resolve my account access issues. The customer service rep I talked with said this was a problem for many of their customers and that I just needed to call in to reset the account to get access. Meanwhile I had no access to my account and therefore did not know that my last payment was due XX/XX/XXXX NOT on the automated final payment date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously reported Equifax for not providing access to my report. I am still unable to access my report and recently discovered they are reporting information that should not be on my credit report concerning Public Record information. There are two filings being reported as judgments against me by my landlord from 2013. This is not true and I was never served and the claims were dismissed. I don't understand how this can legally be reported on my credit file and I was never even served by the court. I had no knowledge of these derogatory items from 2013, until recently when I attempted to rent and was denied multiple times. If you do not know how to properly report public record information, you should stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
A few years back I was involved in a XXXX accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted two letters to Equifax regarding a dispute and this still has not been resolved. Most recently I have sent another letter via certified copy and EQUIFAX has yet to resolve this account or even provide an update with a resolution. 
Being that this is my third request, and it has taken more than 30 days I request to have this account removed from my Equifax credit report immediately. 
Additionally, Equifax identified me as a data breach risk and being that this is the case Equifax should be removing this account ASAP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: NC

Complaint narrative:
Credit report shows 5 Inquiries that are fraudulent, Need an extended fraud alert on my credit report with my number XXXX, am a victim of identity theft. 

the inquiries are XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on 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 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
XXXX has charges on my credit report without me opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: DOLEX DOLLAR EXPRESS, INC.
State: TX

Complaint narrative:
I went to DolEx express at XXXX meat market, XXXX XXXX XXXX XXXX XXXX Tx XXXX to transfer {$650.00} to XXXX XXXX, since I was trying to buy a phone, the seller lives in North Carolina but he wanted me to send the money to his daughter in XXXX XXXX, he sent a tracking number of the phone that he sent through XXXX, so, I was supposed to wait until I get the phone to give him the PIN number so that they can get receive the money so I asked the lady at store that was helping me with the transaction, I asked her if there's a way that they can get the money without the PIN number, she said there's no way they can get the money without this PIN number, so, I completed the transaction and asked her if it's fraud can I cancel this transaction he said yes that all I need to do is go back to the store with the confirmation, then I realized the man just blocked me from XXXX since he got the money without any PIN number, so, I went back to store since the lady told me there's no problem to get a refund, and told me that once they get the money there's no way I can get a refund ... The PIN number is XXXX Pds number XXXX. I made transaction on XX/XX/2019

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/18 I went to a bank of America ATM to withdraw {$50.00}. The ATM did not dispurse the cash, but gave me a receipt. I moved to the next lane to do another withdrawal for {$50.00} and the cash was disbursed and gave a receipt. I contacted my credit union XXXX XXXX and they credited my account back while they investigated. Once the investigation was complete Bank On America came back saying the ATM was not out of balance. So XXXX XXXX  too the provisional credit back and caused my account to go negative. I contacted Bank of America and advised they look at the video the camera records every transaction. They stated they only review video if they have a police report number. I have yet to get anyone from Bank of America to help me. I know the first ATM did not give my cash and I was not the only car. It's {$50.00} but it was my {$50.00} that I work for. I have 2 transaction receipts in which the first did NOT dispense the cash.

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 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
The Bureaus, Inc collection agency is very familiar with FRCA as it relates to proper debt validation. It is also acutely aware of the origins of the Consumer Financial Protection Bureau. And yet, at the risk of having fines imposed, among other things, this agency is taking advantage of me by violating my rights under FRCA and refusing to communicate with me regarding the validity of a debt they have placed on my credit file. 


I have made multiple efforts to engage this creditor in an effort to help me determine the validity of this debt and/or to reach an amicable agreement, if the debt can be verified. When I petitioned the CFPB, this entity like the CRA, XXXX, sided with t he collection agency, The Bureaus, ignoring my rights under the FRCA. ( XXXX   merely accepted whatever information the collection agency provided as debt validation ) I contacted The Bureaus in an effort to work out an agreement. I believe the representative whom I spoke with stated someone would get back to me. I have not had a business relationship with The Bureaus ; no contract, nor have they sent me anything in writing validating their legal right to collect debt in my state. I can not recall ever having any business dealings with The Bureaus , Inc . 

On XX/XX/2019, I mailed via certified mail a request to The Bureaus that they provide me with details of this debt that could help me understand how my relationship/contract, if applicable, with them originated. I asked for specific information that any other person might request to help formulate questions about a debt being reported on the credit reports. The FCRA allows for me to request this information. It also states that if the information is inaccurate and/or can not be verified, then the reported item in this case the collection account has to be deleted by the CRA. 

I am submitting another formal complaint submitted against The Bureaus , Inc. because they have ignored all of my requests to engage in an effort to bring closure to this matter. They have elected to only respond to the CRAs, and not to me, the consumer who is directly impacted by an item that they refuse to validate as outlined by FRCA. 

In every attempt to work with this creditor cordially, they have stalled, taken advantage of the CRAs, tricked this entity ( CFPB ) and responded in ways that avoid answering the center of my complaint ; that they refused to comply with FRCA and will not validate debt. Therefore, it ought to be removed from all three of my credit reports. 

I have attached the letter to The Bureaus of XX/XX/2019 and the signed certified receipt, which confirms by the U.S. Postal Service that The Bureaus received my formal request for debt validation on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment.

2 ) That all correspondence take place in written form only.

3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period.

4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi, There is no way I was late! Then it didn't apply fast enough or the way I expected. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today is XX/XX/2019. I went into the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX around XXXX. My friend and I waited in line until about XXXX. There was only one teller available. Another teller came out to help us. Her name is XXXX XXXX. I wanted to deposit my 2 checks into my friends account. She said they are not allowed to do it. She said I have to be on his account. I told her that's not what the Bank of America Policy states. I read the handbook. She said they're not allowed to cash 3rd party checks and that I can talk to her  supervisor. She rang a bell and went into the back and came out with another lady named XXXX XXXX ( The Supervisor ). She told me the same thing that they're not allowed to cash 3rd party checks. She looked into my friends account and said if we do it for you it's as a courtesy. I'm pretty sure she said that from reading a note from a previous problem I have with the other Bank of America branch in this city. That is the reason why I went to a different one because the last assistant manager at the first branch I went to said I'm not allowed to go back to their branch and cash my checks. She said they were going to notate my friends account that I wasn't allowed to cash my checks there. So the same thing happened here at this bank branch. They refused to deposit my checks into his account. The supervisor said I have to go somewhere else to do it and they're not allowed to, but only if they want to as a courtesy. What is going on here with all of this injustice at these branches??!! How is it that a company has legal guidelines to follow in their own policy handbook and does not follow them?! I don't understand this? Why am I being refused when the law states what we should be able to do without a problem. Who is in charge of these banks and what kind of businesses are they running? After they refused me I asked them for their names and that's how I stated them here. I have the paper they wrote their names on.

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 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
A few years back I was involved in a motorcycle accident where a driver in a vehicle hit me head on. Thus, I was in a difficult situation where I could not pay my bills. Now that I am back to work full time, I desire to avoid filing for bankruptcy. Therefore, I am sending requests to my creditors, debt buyers and collection agencies the following criteria : 1 ) Your financial institution, collection agency or debt buyer will not make calls to me either on my personal cell lines or at my employment. 
2 ) That all correspondence take place in written form only. 
3 ) That your office will accept a settlement offer of 25 % of the charge off balance as payment in full, and upon such acceptance I will agree to make said payoffs within a very short and reasonable time period. 
4 ) Your office will mail all correspondence to my home address or my email at XXXX. 
Thank you for your consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NV

Complaint narrative:
On XX/XX/2019, three separate PNC checking accounts were opened fraudulently in my name and fraudulent checks were deposited. Those accounts were subsequently closed by PNC bank and PNC bank proceeded to report the fraudulent activity to XXXX XXXX XXXX as fraud on my part and not the act of fraud by deception and/or identity theft from a third-party.

Company response to consumer: Closed with explanation