vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: A-M-S Mortgage Services, Inc.
State: NJ

Complaint narrative:
I met XXXX XXXX on XX/XX/19 on XXXX XXXX XXXX XXXX - XXXX 's store I was introduced to him by the owner of said store XXXX. ( said store is out of business ) Mr . 
XXXX made me believe he had an organization with a array group of individuals were he was the owner.He told me that in order to start the house hunting process I needed to pay him {$490.00} cash which I did, he also said to me that he will give me at time of closing {$1000.00} back. on XXXX I received a Pre Approval letter via email from him from a bank that he was affiliated with according to him. Pre Approval letter received from AMS MORTGAGE XXXX XXXX whom I have never met nor spoken to. I was super excited and ready to begin my home buying process Mr. XXXX will send houses via text messages and I asked him to set appointments for some of the properties but he never did, I became concern because he started give me excuses and stop answering my calls and he will only reply via text a month went by and nothing was happening, no houses, no appointments, no calls, I realized he was a scam so I decided to request my money back on XXXX and he kept giving me excuses via text that he will give only {$250.00} because he gave the other {$250.00} to XXXX ( who was the one introducing me to him ) so I said yes I just wanted to recuperate my money or at least  some. I feel I'm not the only one he has done this to. Please help - AMS MORTGAGE and XXXX XXXX is associated with an individual scamming people, misleading. XXXX XXXX should have never provided a pre approval letter to Mr. XXXX furthermore ran my credit without my authorization.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are three accounts that were closed in XXXX and XXXX. I disputed and made a complaint about two of them here, they were updated instead of removed from the credit history. These accounts are paid and closed so why are they still on my credit report. I would also like to stop getting advertising of Experian Boost through email.

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 2020-01-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I switched bank, so on XX/XX/XXXX. I logged into my Citi Advantage Credit Card Account to updated my new bank information for Auto Pay ( as I always do ) and my new email address. The Auto Pay didn't go through and I have no recollection my account was two month past due until Citi representative called me on XX/XX/XXXX. Since my account was set up with paperless statement and only to receive email notifications. When I asked why was I not notify by email. The agent claimed I had a wrong email address in my profile. I can vouch and confirm that's a total false answer! When I check into my email. I found promotional emails from Citi Advantage in both month XX/XX/XXXX and XX/XX/XXXX. All emails are still on my rmail server and account. As Citi being a such big and reputable company. WHY WAS I NOT NOTIFY BY EMAIL, PHONE or MAIL SOONER? I could have saved two late fees {$39.00} + {$27.00}. Most importantly I am in the middle of loan processing for purchase a new house, so credit score is extremely crucial and sensitive at this point. I have inform my loan broker about this issue and he believes it's going to make an impact on my credit score and affect my interest rate! I am absolutely dissatisfied, disturbed and disappointed with Citi service and performance. Even know Citi representative waives one of incurring late fee and offers me a one time XXXX mileage points. I have to learn to accepted that my credit score already being damage and not reversible! I'll like to pursue and file a proper complaint about Citi AA Advantage Platinum Credit Card of how they handle their business relationships with their client.

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 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
At approximately XXXX XXXX XXXX on XX/XX/2020, I accessed the TransUnion credit freeze page at : https : //service.transunion.com/dss/login.page to unfreeze my credit score in preparation for taking out a mortgage. 

Upon logging in to the page using my previously established TransUnion account credentials, I was presented with my current credit report status ( frozen ), and options to unfreeze my report. I selected the option to unfreeze my report. 

However, after the process completed, my credit report was unfrozen without ever requiring me to enter the previously setup freeze pin to secure my credit 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 2020-01-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied the Citi XXXX XXXX credit card on XX/XX/2019 via the link that saying earn a XXXX XXXX XXXX bonus points after {$2000.00} in purchases within 3 months of account opening. However, I only recieved XXXX points. Tried to contact Citi customer servicevia online chat and phone call multiple times but they gave me different answers every time. I kepe the screenshot when I applied the card. Please see attached.

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 2020-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/2019 I tried to make a deposit of {$200.00} using the ATM inside the lobby of my PNC bank, but Instead of using my debit card from the bank, I used my credit card by mistake when I put the {$200.00} in the ATM. The ATM took the deposit and gave me a receipt that said transaction can not be processed and kept my {$200.00}. I spoke to the manager XXXX XXXX he told me to have the issuer of the credit card file a payment research request with PNC so they can do an investigation to see what happened to my {$200.00}. I contacted the credit card company and the credit card issuer said they can not find the payment and to have PNC trace the funds. I consider this incident a malfunction of the ATM operated by PNC and feel that they should be able to investigate without need for a request from another company, the ATM receipt shows the time and sequence number, so PNC should be able to verify with video footage that Im telling the truth.. I would like PNC to return my {$200.00} that the ATM should have returned to me since the transaction could not be completed. Please see attachments. Thanks XXXX Pnc bank I used was the one in XXXX XXXX, Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: NJ

Complaint narrative:
Requested for Equifax to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. 

Sent certified mail. 

Equifax didnt investigate thoroughly and verified as accurate. I contacted FTC. 

This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. Furthermore, the account is incomplete account information and by law, this shouldn't be on my credit report. I will be pursuing litigation for inaccurate information thats not been verified and personal address and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
Square recommended that I close my cashapp account to resolve a card attached error and then subsequently banned me from the service. I was never told why. No transaction issues. The forward a copy of their tos and close any ticket that has been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America close my account without advance notice. I attempted to make a payment on XX/XX/XXXX, and was informed by customer service that my account had been closed. I wrote a letter onXX/XX/XXXX to their company, asking them to please reopen my account. I have not received a response.

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 2020-01-21 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: DISCOVER BANK
State: MA

Complaint narrative:
Hi, I'm writing because I didn't get my referral bonus as promised in the 'Refer A Friend ' program at Discover.

I referred my friend to Discover it, who applied the card via my referral link on XX/XX/XXXX. But I never received any format of the referral bonus. I reached out to a Discover agent on XX/XX/XXXX, and he/she claimed without any proof that it must be me who did not make a referral. The agent was not helping, so I had to reach out to Discover again on this issue, and they simply refused any discussion with " appreciate your feedback ''. 

My suspicion is that they are doing fake promotional referral program.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On approximately XXXX EST, XX/XX/2020, I accessed Equifax 's My Equifax portal at https : //my.equifax.com/membercenter/ # /login to unfreeze my credit report. Upon logging in, filling out the form to unfreeze my credit report, and submitting the form, I was directed to a page stating that my request was unable to be completed, and to give them a call. 
I gave Equifax a call on the provided number, and used the automated self-service respondent to attempt a credit unfreeze. Upon completing all of the requests and providing all the necessary data, the self-service tool informed me that it too was unable to process my request to unfreeze my credit report, and directed me back to the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: FL

Complaint narrative:
Requested for the credit bureaus to investigate into this account that I had no knowledge of. Multiple account errors and personal information also listed on my credit report. Sent certified mail. 

Experian didnt investigate thoroughly and verified as accurate. I contacted FTC. This item isnt verified as accurate and I know for a fact I do not have validation for this item. This item must be promptly deleted per Section 611. It's been deleted by the other credit bureaus. 

I will be pursuing litigation for inaccurate information thats not been verified and distress this has caused!

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 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
On XX/XX/XXXX, I started a dispute at Discover it on one of my online purchase at XXXX, which should be valid but Discover denied. 

I made an online order of three items on XX/XX/XXXX and applied a coupon " XXXX ''. Using the coupon, I was able to get {$25.00} off my order, so that the total was {$13.00}, instead of an original {$38.00}. But after a few days, I was surprised that the transaction on my credit card statement turned from {$13.00} to a final charge of {$38.00}. 
I reached out to XXXX so many times via phone calls and emails but they never respond, and the line are always too busy to be picked up by any agents. So I have to dispute the charge at Discover and provided a copy of my order confirmation email as proof. 

Discover gave me a final decision on XX/XX/XXXX, saying that according to the merchant, the transaction was valid. 
But the problem is that the order confirmation where I agreed to pay at XXXX website, as well as what I first received in my email, is different from what the final order looks like, since XXXX changed it after I clicked " submit the order '' and overcharged me. 

Discover is not protecting the purchase of their credit card holder, as anyone can end up paying much higher than they agreed to, even if they noticed it and submitted a dispute, because Discover 's solution to dispute does not seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
HI ABOUT 3 YEARS AGO OR LONGER MY JOB TRANSFER ME TO NEW MEXICO AND I FOUND A APARTMENT CALLED XXXX XXXX   XXXX  I FILLED OUT A APPLICATION AND GOT APPROVE I EXCEED WITH THE DEPOSIT AND FIRST MOTH RENTS THIS WAS ON A FRIDAY LATER THAT WEEKEND ON SUNDAY I GOT NOTICE FROM MY EMPLOYER THAT THEY WERE SENDING ME BACK SO I WENT IN THE OFFICE AND TALKED TO ONE OF THE MANGER AND TOLD HER MY SITUATION ABOUT THE JOB SHE ASKED IF I MOVED IN AT ALL I SAID NO WHICH I HAVENT SHE SAID OK I WOULD FORFIT MY DEPOSIT AND RENT AND ILLJUST HAVE SURENDER THE KEYS I GAVE THEM TO HER SHE WALK OFF THE APARTMENT WITH ME AND I ASKED HER IS THERE ANYTHING ELES I NEED TO DO SHE SAID NO. FAST FORWARD 3 YEARS LATER WHEN I TRYING TO GET APARTMENT I GET DENIED BECAUSE I OWE XXXX DOLLARS OF RENT! SO I CALL THE CREDITOR WHICH THE DEBT IS SENT RENT ROCVER SOLTIONS AND THERE SAYING I OWE XXXX WHICH I DIDNT GET NO LETTER OR CALL FROM THE APARTMENT OR ANYONE SAYING I OWE ANYONE. 
I HAVE TRIED TO CALL THE XXXX BUT THEY ARE REFERING ME TO RENT RECOVER SOLTIONS AND THEY CANT DO ANYTHING ABOUT IT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I informed property that was a a victim multiple robberies. The property manager at the moment explained that I could move once I have another place to move to. Have email to verify the date and what was stated. 
I preceded it to look for a place. 
On XX/XX/XXXX I informed yet again that my property was stolen. At which point I reminded that I am leaving on XX/XX/XXXX. The property at the stated yes verbally and via email that I am not liable for any fees or XXXX rent since I am victim of multiple thefts and that she could not guarantee my safety. I promptly left the property on the XX/XX/XXXX. I have email to verify what was just stated. 

Additional I also have the police reports for such incidents that the property manager alone with my renters insurance used to verify my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: SC

Complaint narrative:
I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit

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 2020-01-21 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXXlast 4 ss # XXXX After filling complaint with XXXX XXXX reporting agencies XXXX XXXX and Navy Federal continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's Navy Federal contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
My car was repossed XX/XX/19. That was the day I had told American credit acceptance I would make payment to get thee car current. That was also my payday. They said they would send me a letter explaining all my rights. The care was moved to an auction house. I called multiple times to get information on how to get car out. They told me call auction house, I called auction house they said call the car company cause they need to give me permission to talk to auction house. American credit would not complete the call to the auction house. I called several times they would never get through to the auction house. I also never got my letter explaining my rights. I never got the chance to know how much money I needed to get the car back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/1973 last XXXX ss # XXXX After filling complaint with early warning reporting agencies XXXX XXXX and XXXX XXXX continually report fraudulent opened accounts affecting me from opening accounts on my own without them verifying my identity and hard copies of any application with any signatures matching signatures on my Dl 's XXXX XXXX contended that the account was opened online but the address that's on file is a commercial property with businesses I never lived in a commercial property or owned one either. XXXX XXXX act as if I'm the one wrong by calling me and drilling me like I did something wrong. But the truth is someone stole my identity hacked my phone number, email address and applied for car loans while I was working over the road and I would help in any way I can to find out who's doing this because it's a ongoing problem everyday I get a email saying my social security number is being used while I'm thousands of miles away from Florida. So if their not willing to fix this I will challenge them on Court got fraud, defermation of character and opening up fraudulent accounts in my name.

Company response to consumer: Closed with explanation