vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: MI

Complaint narrative:
I applied for the American Express Gold Delta Skymiles card on XX/XX/XXXX. The offer was to earn XXXX Bonus Miles after spending {$3000.00} in purchases within the first four months. 

I spent on the card well over {$3000.00} in the first month after receiving the card. I did not receive the XXXX Bonus Miles in the first statement from Amex. I called on XX/XX/XXXX and I was assured by Amex rep that the XXXX Bonus Miles will appear in the next billing statement ( please refer to phone recording ). Of course that did not happen. 

I called again Amex on XX/XX/XXXX and spoke with XXXX ( or XXXX ) who opened a case file # XXXX and was told to wait six to eight weeks. I waited ... and waited and finally called back on XX/XX/XXXX ( after about FOURTEEN weeks ) to inquire about the missing XXXX Bonus Sky Miles again. It was obvious from the initial rep that I was to be given the runaround again with the mantra " I placed a note in your file to look into this ''. I asked to speak to a supervisor. I spoke to XXXX ID:XXXX and became obvious to me that he wanted to get rid of me and even told me FALSE information that they had nothing to do with this as XXXX XXXX is responsible to give the miles ... which is absurd, if not laughable. Of course XXXX 's supervisor was busy. Again, I was told that someone will look into it ... .Fourteen weeks is not enough? 

If this is not bait and switch I don't know what is. 

If not resolved, my next step is to write my Congressman, file a small claims court case and write to the American Express CEO. 

Thank you for any assistance you could provide in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX of 2018 I had my wife apply for a refinance loan on our home with Wells Fargo. We were told that it would cost us XXXX for a appraisal fee. About a week later when we asked about who we had to use because they were suppose to let us know, they told us no worries they had done something called a quick appraisal. And it would only cost XXXX. So I asked what they did with my money for the appraisal. Their response was that they would just put it on the end for the fees. Which we had been told they would roll it over into the loan and we wouldn't have any. What bothered me the most is that they didn't seem to want to tell me about this because they had done it at the beginning. And I had to ask before I even knew what was going on. I think they need to let their customers know whats going on. And I was very upset. I cancelled the loan process, and they kept giving me the run around about giving me my money back. They finally sent the difference back from the quick appraisal.Which honestly I shouldn't have had to pay because I didn't ask for it, or wasn't even told anything about it. I think Wells fargo has a lot of issues with their employees, and how they handle their customers. I would have reported this earlier but didn't know where to report it. They knew I was XXXX, and had a hard time understanding, and that my wife had to help me. So I feel like I was taken advantage of due to this fact.

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 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
This issue has to do with XXXX XXXX XXXX DBA Shellpoint Mortgage.

Issue : My father passed away and I am the executor of his estate. Shellpoint has refused multiple attempts to send a check to the estate which is due to it to the amount of {$2800.00}. We have requested that the check be made to the estate with me as the executor and they have never complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I went to XXXX after speaking to loss and prevention on the phone to confirm that I was able to open an account with XXXX since back in XXXX I did have an account close due to fraud. The gentleman that I spoke to stated that the accounts were closed and no account was active so I could walk into any Chase Bank branch and open a new account. I went to the local branch in XXXX XXXX XXXX, NV on the corner of XXXX and XXXX XXXX. spoke with XXXX XXXX who opened a new checking account for me. I placed over XXXX in the account over the weekend and on sunday XX/XX/XXXX I went to check my account balance from the weekend to find out I was locked out of online access. I called the number on the screen only to be informed that XXXX had decided to end our banking relationship without reason and I would not get MY money until they seemed fit. I again called on XX/XX/XXXX to the same department and was told it was possible for the branch to release the funds if they had the staff but after some department reviewed the account was told this was not possible. Now XXXX has over XXXX of my money, I am left without any funds to feed my children, get food, gas, or emergancy funds if something were to happen since I moved all my money to this bank and they on no reason decided it was no longer MY hard earned money and it was theirs to do at will with and play with peoples lives. The only thing I did was wire money as I was told by the banker was the quickest was over multiple times and for that I feel I am being wrongfully punished by this bank, my children are being neglectied their right for food and a way to get to school since I can not provide gas in my vehicle as of now .. This has to be stopped. These people are wrong to be messing with peoples lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my XXXX credit report as it has been in there for 5 years in default. The last four of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I am a a realtor representing a buyer in the purchase of a home in the XXXX Arizona area. The loan was denied by Quicken loans due to " unacceptable property type '' I was notified by the sellers agent that townhome was classified as a condo - not correct. The appraiser was asked to change the property type on the appraisal ( by quicken ) from townhouse to condo, even though it is a townhome. I have had little to no communication from the quicken loan team handling the transaction. I have made several attempts to have updates along the way & formally requested a loan status update ( required to be provided on a weekly basis, only one was provided after formal written request ), in addition to emails & calls. My buyers have been tainted regarding the HOA & their reserve funds ( over a XXXX dollars between both master & sub-HOA ) the quicken team has made them feel that they are in danger with the HOA somehow. This transaction has been tainted by individuals at quicken & is most likely going to be canceled because of Quicken. This is unacceptable behavior & highly unprofessional, maybe illegal. Many lenders lend in this subdivision on a yearly basis, why would this be an issue for Quicken if it is not for other regulated companies. The property did appraise with no conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC 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 2019-04-08 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: CO

Complaint narrative:
My credit score was XXXX via Experian on my XXXX XXXX site. One day it just dropped over 160 points. Since NO ONE will answer as to who reported my credit card account 120 days late no one will tell however it most certainly was and is a lie. The bank of course has fully backed me up and I have NEVER been close to being late EVER. I filed a dispute was told it would take 30 days within two days they said there " investigation was done '' and l was to look at the results which were nothing. They were nothing because Experian lied plain and simple they NEVER looked into anything including their own site. IF they had looked at their own site where I was listed over 120 days late they would see that that was impossible because they had each and every payment listed and logged but went ahead and lowered my score and refuse to lift it back up. When I call them I can only talk to foreignors who speak only from a script and I get nowhere. But I'm being punished by the auto insurance industry who raised my rates significantly because of the score regardless of my perfect driving record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 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: TX

Complaint narrative:
In 2014 in XXXX or XXXX a loan was obtained using my personal identity information.i have shown this company proof I have been a resident if Texas and obtained copies if contract and if and social used which clearly weren't mine.I asked then to remove it from my Equifax credit report as it has been in there for 5 years in default. The last four of my social are XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX someone from FAY or hired from Fay servicing First of all someone taped a letter to my door extremely early this morning ( it was still dark out ) My security cameras alerted me because the person was lurking in my windows and tried opening my front door. I did call the police as attempted break in. That is when I found this letter attached left on my door. So now that I know it was someone from Fay I suggest you know that there has been a police report filed and security camera footage given to police. I do not know what you think you are doing. The letter also states that you tried to contact numerous times and that is also false and the letter dated XX/XX/XXXX and put on my door XX/XX/XXXX and mortgage is not even more than 3 days late on XX/XX/XXXX. I have zero missed calls from Fay and I have only received bills from you. You should let us know what creeper you sent to my house and my hidden cameras caught them. So if Fay is going to stalk my home then you will have problems.They put letters on my door with lies. This stalking me, I keep records of everything and whatever courier or employee you used is a creep and I will press charges. I was petrified at a break in. My niece and nephew were in the home and this is dangerous. And even as of today on XX/XX/XXXX I am am 38 days late and will be making a payment within the week. I have also had nothing but issues since they took from XXXX. They were attacking me and not sending out information. They did not even record until XX/XX/XXXX and were harrassing me in XXXX and somehow are missing a payment from XXXX which has caused the late issue. Then this morning I sent them an email after this debacle at XXXX XXXX. Then at XXXX XXXX This XXXX XXXX emailed me saying she has not heard from me for awhile.Which is just a generic email and she obviously is just trying to look like she is doing her job while not even acknowledging the email I sent her 6 hours prior. All I receive from them are my bills and there is no need for any other correspondence. Also I have zero missed calls from them so they are not trying to contact me and as of last month XXXX XXXX was contact not the XXXX XXXX. 

Also their customer service email has never responded to emails from even 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2019-04-08 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: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX DDUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
XX/XX/2019 - I went to XXXX XXXX located in XXXX, New Jersey at XXXX XXXX to cash a bank Certified Cashiers Check from Citizens Bank. ( routing number XXXX ) XX/XX/2019 - I went to XXXX XXXX located in XXXX, New Jersey at XXXX XXXX to make a withdraw from my savings account and I was told by the bank teller that I had a bounced check for {$2500.00} and a {$15.00} service fee for the bounced check. I was told by the bank teller that the reason for the bounced check from Citizens Bank was forged. 

XX/XX/2019 - I was told by the branch manager of XXXX XXXX that they could not do anything for me and that they were not liable. However, XXXX XXXX was responsible for depositing the check. XXXXXXXX XXXX in XXXX said that I should file a police report. 

XX/XX/2019 - A police report was filled with XXXX Police Department. Investigation pending. 

XX/XX/2019 - XXXX XXXX XXXXocated in XXXX gave me a copy of the forged check and told me that Citizens Bank has to file a forged endorsement claim. 

XX/XX/2019 - Citizens Bank branch office in XXXX XXXX  said that it is XXXX XXXX   responsibility to fill out the forged endorsement claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a loyal Citicard hold since XX/XX/XXXX. I've always paid my bill on time and kept low balances on my card. XXXX has never had a problem with me. On Friday XX/XX/XXXXI called and added an authorized user on my account. The rep even thanked me for being a good card holder. Well this weekend I went to use my card and found out my account was closed. I was later told ( this morning ) it was because I added to many authorized users. I honestly did not know I had a limit or I would have never added anyone else to me account. I have a vacation to XXXX XXXX next weekend for my birthday and the card they closed is my vacation card. The hotel is reserved with that card. I have to produce the card in order to check in. Also I'm on the process of purchasing a house. With the closure of the account my credit score will drop tremendously and it will negatively effect my utilization. I need my account reopened, this close will effect my life in so many ways.

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