vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-23 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: NY

Complaint narrative:
Hello, I am a definitely an XXXX value customer, and I spend most of my money on XXXX card and stop to use the credit cards from other banks, like XXXX, XXXX. Because I pretty enjoy XXXX excellent customer service, and they also try to help me solve problems as possible. Meanwhile, I also recommend XXXX cards to my friends and families, tell them how XXXX cards better than other banks. However, recently I have a problem sinceXX/XX/XXXX which I was trying to transfer some Membership Rewards ( MR ) to miles of XXXX airline partners, so it already been like 3-4 months, during this time, include some holidays like XXXX XXXX, XXXX, I tried to redeem some flights to vacation with my families, but I CANT!! XXXX web shows : '' This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I also try to talk a lot with XXXX customer services representative, even some supervisors, they are nice and just let me wait, but it is not really helpful, some customer service told me that it will take like 6-8weeks, I say : OK, I will wait for that!! NOW, it almost like 4 months which is 16 weeks, the problem is still not solved, and I still try to negotiate with XXXX customer service department, they still just let me wait, and they said they do not know how long the process will take ... XXXX 
Really???? I am very very very sad, disappointed, which is the first time since I touched XXXX, I have a lot of credit cards with high annual fees, I paid these fees because of the XXXX great services and benefits, so it worths. BUT NOW, IT DOESNT WORTH ANYMORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Lendmark Financial Services
State: MD

Complaint narrative:
Lendmark financials s XX/XX/2018 unknown inquiring on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I applied for an XXXX XXXX card, online, to buy a ticket. I was approved on XX/XX/ online, and received email confirmation, and then went to purchase a ticket online. There were problems with the server and I had to reach out by phone to, XXXX XXXX and XXXX XXXX complete the purchase. I was told I had a credit under my name. The credit was from a ticket purchased by another individual under my name. I was scheduled to use my ticket onXX/XX/XXXX. I had to cancel the flight on the XX/XX/XXXX. I was told I had until the twenty seventh of that month and this year to use my cancelled ticket or loose all benefits of that purchase because it was a 're-ticket from someone else purchase, under my name. I was shocked and said that I had all paperwork on my purchased non-refundable ticket and there was no langue or disclosures or ticket numbers to assert the claim they, XXXX XXXX, were making. I called my credit card company and opened a dispute for fraud and misleading information on or about XX/XX/. This was after several attempts to contact Citi Bank about the incident with XXXX XXXX with no response from them. They requested information with I sent showing and validating my verbal account of what transpired, issued a provisional credit only to Send out notification on XX/XX/2018 stating that the provisional credit was taken back because the " merchant did not accept my cancellation ' and I would have to call the merchant. Called XXXX XXXX XX/XX/2018 and they have cancelled the ticket and refused to send me copies and told me I could email their customer relations. Fraud, fraud, fraud. Please if you need more information I will provide it. Both of these companies have acted fraudulently and together but acted as separate.

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 2018-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MI

Complaint narrative:
The mortgage is in my ex-husband 's name only because he purchased the house two months before we got married. Now since we are divorced the judge awarded me the house XX/XX/XXXX. I have tried everything to get the mortgage company Dovenmuehle Mortgage ( loan servicer ) to turn the mortgage into my name but they keep telling me my ex husband need to fill out the loan modification. I also mentioned the acceptance of loan modification based on me being the successor in interest but, I was told they will not accept it.

The reason I fell behind with the note, my ex husband was ordered to pay six mortgage payments last year to bring the mortgage current but he never followed the judge orders during our divorce. 
Currently, the mortgage is in default held by the holder XX/XX/XXXX. I was told by Dovenmuehle Mortgage I have 37 days fromXX/XX/XXXX to pay the default in the amount of {$7900.00} to satisfy the account or foreclosure procedures will take place. Since then I talked with the mortgage company and they informed me that another mortgage note was added in the amount of {$490.00} ( this is the normal payment ) but for the repayment plan the amount of the note was {$850.00} which became too much of a struggle to handle when my child support payments fell behind. 

I need Dovenmuehle Mortgage to immediately turn the mortgage over to me ( as being the successor in interest ) with the normal payment put back in place and whatever amount is in default add it to the back end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX 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 2018-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX  owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XXXX XXXX XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX  guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-23 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: MA

Complaint narrative:
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.

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 2018-12-23 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: MA

Complaint narrative:
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.

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 2018-12-23 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: MA

Complaint narrative:
Please see attached a stipulation from the office of Attorney General, Commonwealth of Massachusetts. Several years ago I obtained what was to be classified later as a usurious vehicle loan from XXXX XXXX. This bank later merged with XXXX XXXX and hundreds of their charged off vehicle loans were disallowed by the Attorney General in 2017. Accordingly, as the XXXX charge off is still on all of my credit bureaus, they exist illegally. XXXX is in violation of their subscriber agreement with all credit bureaus, and the evidence is attached that there is no permissible purpose for the trade line to exist. The trade line must be removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.

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 2018-12-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I contacted all three credit bureaus via certified letter requesting that the investigate this XXXX XXXX account that has been closed and to delete it from my credit report due to them violating the FCRA laws which state that they must report accurate information and to respond to the consumer within a timely manner which they have not. This has cause my credit score to decrease and me to be denied credit for a home.

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 2018-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX {$44.00} - Original Debtor XXXX XXXX XXXX XXXX. This debt has been paid. Account Number : No Account Number listed. PLEASE REMOVE XXXX XXXX {$230.00} - XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE XXXX XXXX - {$830.00} XXXX XXXX XXXX XXXX, KY XXXX. Original XXXX XXXX XXXX. XXXX XXXX - PLEASE REMOVE XXXX XXXX XXXX - Original Debtor - XXXX XXXX XXXX {$170.00}. PLEASE REMOVE PAID. 

NONE OF THESE ACCOUNTS HAVE ACCOUNT NUMBERS AND THEY HAVE BEEN PAID

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 2018-12-23 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: U.S. BANCORP
State: CA

Complaint narrative:
USBank is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the USBank billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them in XX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with XXXX 3 times and XXXX 2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full.

Please note that my husband and I have a different USBank secured credit card with a limit of {$300.00} that is joint ownership.

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