vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
In XXXX XXXX I received an email from USAA for a {$XXXX} sign on bonus for getting a USAA preferred cash rewards credit card, I followed the link in that email, applied and got approved. Made at least 29 different qualifying transactions and paid bills on time, etc.. 9 months later, 3 or 4 phone calls and no {$XXXX} credit to account. 

Email dated XXXX/XXXX/XXXX below : XXXX, you 're pre-selected! 
Enjoy all the benefits of a USAA XXXX XXXX XXXX XXXX XXXX credit card, plus take advantage of these offers : Get a {$200.00} reward bonus when you are approved for this credit card offer and make XXXX qualifying purchases by XXXX XXXX, XXXX. 
Enjoy a 0 % introductory APR on all purchases, balance transfers and convenience checks until XXXX XXXX, XXXX. After that, your Regular APR of 12.15 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2 Earn 1.5 % UNLIMITED cash back on every purchase. No annual rewards cap and no categories to restrict how you earn.3 No annual fee. No penalty APR. No foreign transaction fees. 

Similar promo emailed to me on XXXX/XXXX/XXXX as well ( below ) A {$100.00} statement credit when you make XXXX Qualifying Purchases by XXXX XXXX, XXXX {$0.00} introductory fee for each balance transferred by XXXX XXXX, XXXX. Each balance transfer and convenience check that posts after this date will receive the regular balance transfer or cash advance fee of just 3 % or {$200.00}, whichever is less. 

0 % introductory APR until XXXX XXXX, XXXX on all purchases, balance transfers and convenience checks. After that, your Regular APR of 8.90 % will apply to these introductory balances and any new transactions. Each balance transfer and convenience check has a transaction fee of up to 3 %. Your Regular APR will also apply to your cash advances immediately upon account opening. Your Regular APR will vary with the market based on the Prime Rate.2

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06 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: CA

Complaint narrative:
I filed a police report with the XXXX Department XXXX XXXX XXXX. I sent the police report to the three credit agencies. 

XXXX and XXXX received the police report and blocked this information : 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX  XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX XXXX # XXXX 9 ) XXXX # XXXX 10 ) XXXX XXXX # XXXX They sent notice to EQUIFAX AND XXXX stating : Blocked fraudulent infromation and provided the accounts. 

After speaking with Equifax they stated on the phone : " We received notice that XXXX XXXXnd XXXX received a VALID police report and blocked the above mentioned accounts ; however, at this time we take notice to rescind the block '' I asked why? They stated they have no reason ; they do n't block fraudulent accounts. 

SO! They verbally told me that they ignore the FCRA 605B LAW which states when they receive a valid police report from the police, credit bureau or consumer, they are required by law to PROTECT me, the consumer, and block and remove the information immediately. 

Equifax is ignoring this law. They are ignoring a law enforcement report. They are also ignoring their fellow credit bureaus which they share certain information this. 

This is not LEGAL. This practice needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I filed for a Loan Modification in the month of XXXX XXXX. I only received 2 denials by letter when I was told by one guy there on the phone there were over 25 programs and surely, I qualify for one. I was also told that they were easier to get a loan modification from than XXXX. On XXXX/XXXX/XXXX, I called them and asked what was going on totally expecting to get a lone modification. I was informed I was denied. I was then told that they felt I could afford the house. 
I HAD PROVED THAT AFTER THEY RAKED ME OVER THE COALS IN SEVERAL VERY HEATED CONVERSATIONS WITH MY INCOME. THAT THERE WAS NO HARDSHIP BECAUSE I COULD AFFORD THE HOUSE SO THEREFORE NO LOAN MODIFICATION. I HAD BEEN IN 2 WRECKS WHICH I SENT THEM ALL THAT INFORMATION. THIS WAS A 49.3 MINUTE PHONE CALL ON XXXX @ XXXX, WHERE I ARGUED WITH THEM. MY HOME WASNTHEN SET UP FOR FORECLOSURE ON XXXX/XXXX/XXXX. 
I FEEL I HAVE BEEN DISCRIMINATED AGAINST, AS A SINGLE WOMAN TRYING TO KEEP MY HOME. 
I WAS BERATED AND TOLD I COULD NOT AFFORD MY HOUSE SO NO LOAN MODIFICATION. THEN I PROVE I CAN AFFORD IT AND I AM STILL DENIED. 
I HAVEN BEEN DENIED ALL HARP AND/OR HAMP WHICH EXPIRED IN XXXX. I WAS ALSO DENIED THE PRINCIPAL REDUCTION MODIFICATION PLAN OFFERED BY FANNIE MAE. 
I was denied a loan modification of any kind, loan reduction, Principal reduction, balance forgiveness and loan term extension. I have been put through XXXX, ruined my credit by filing bankruptcy to keep my home over and over. The stress has affected my health and I was still healing from the wreck. I am on pain meds and muscle relaxers daily. Instead of offering me a solution they put my house for AUCTION and they blamed it on Fannie Mae and it was their decision, THAT I WAS NOT APPROVED. 
My loan PAYMENT WAS RAISED SEVERAL TIMES ON AND OFF WITH NO NOTIFICATION. 
I would also like a review of what is owed. They sold it when it was scheduled for auction on XXXX/XXXX/XXXX. I was never notified of the cancelled auction. 
In have no family, but my children. This is my home. My credit is ruined. Im severely stressed. I HAVE BEEN ON A ROLLER COASTER WITH MY HOME AND AM NOW IN BANKRUPTCY AGAIN BECAUSE THEY SOLD IT TO XXXX XXXX. 
THESE EMPLOYEES AT XXXX AND SETERUS GET PAID BONUS FOR GETTING PEOPLE OUT OF THEIR HOMES. XXXX ALWAYS TOLD ME THAT IT WAS ALL FANNIE MAE 'S DECISION AND NOT THEIRS. EVEN THOUGH XXXX TOLD ME THEY PUT IN THE INFORMATION IN THIS HUGE MACHINE/APP AND IT FIGURES IT OUT BUT TAKES 30 PLUS DAYS. I ALWAYS WAITED ON PINS AND NEEDLES WITH BOTH XXXX XXXX  XXXX AND SETERUS. I HAD TO GO THROUGH ONE BANKRUPTCY BECAUSE XXXX  UPPED MY PAYMENT {$XXXX} RIGHT AFTER I SIGNED THEN LOAN. 
I HAVE BEEN TERRORIZED FOR THE LAST 4 YEARS AND SUFFERED THROUGH LAST 9 TRYING TO KEEP MY HOME. 
THERE NEEDS TO BE NEW LAWS TOO MANY LOST THEIR HOMES AND WERE TREATED UNFAIRLY.

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Was place in Chex system and is unable to get any updates.. Was unaware of this action

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 2017-10-06 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MI

Complaint narrative:
For over 6 years I have been fighting with Discover Bank over them setting up fake accounts!  I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX!
And one was for a XXXX XXXX site!  discover Bank has been taken to Federal court over 300 times for setting up fake accounts and stealing money>>>
In federal court state court and county courts time and time again it has bee proven that they set up fake accounts and steal peoples money. fake documents, and lie in courts!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: GA

Complaint narrative:
On several occasions I have disputed the XXXX XXXX collection account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. Experian deleted this account in XXXX. This account has reappeared on my credit report XXXX. I disputed this account with XXXX XXXX and they have responded with the following : XXXX/XXXX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

You should receive an update from the company within the next 15 days, and a final response within 60 days. 






Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX deleted the tradelines for the account in question in XXXX. XXXX reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, Experian, & XXXX  XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX XXXX to the CRAs in an attempt to expedite the removal. 

Experian has this incorrect tradeline reporting on my credit even after it was deleted in XXXX. Per the response above this tradeline is to remain deleted. Also, the credit reporting bureaus is supposed to advise the consumer prior to a deleted account reappearing in the credit file.

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 2017-10-06 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XXXX XXXX,2017 I contacted Convergent Outsourcing and I had no problem paying the settlement amount but I wanted to be 100 % assured that it would be completely deleted off of my credit report once it was paid. The agent assured me that it would not be on my credit report any longer once I paid the asking amount. Now, 3 months later and the account is still showing on my credit report as a collection. Very unprofessional to reassure someone something that isnt true.

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 2017-10-06 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: GA

Complaint narrative:
Over the past year on a monthly basis, I have been contacting Equifax in reference to fraudulent accounts opened and requesting deletions and investigations from my credit file. Equifax still to this day still has an incorrect date for my birthdate as well even after several attempts I have sent to have this corrected. Equifax has responded to my complaints stating they have verified these accounts were mine. I have decided to contact the creditors directly as Equifax is choosing to defame my credit file with incorrect information. I contacted XXXX XXXX on XXXX/XXXX/XXXX in reference to a collection account that was not mine. Below is the response from XXXX XXXX : Company responded Status Company responded on XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as XXXX XXXX XXXX XXXX XXXX XXXX 's ( " XXXX '' ) response to same. As stated in our response for case # XXXX, XXXX  deleted the tradelines for the account in question in XXXX. XXXX  reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), TransUnion, XXXX, & Equifax. As the consumer stated, XXXX and XXXX have deleted the tradelines. XXXX utilizes XXXX reporting requirements as agreed upon by all of the CRAs. Once XXXX has notified the CRAs to delete the tradeline, it is up to them to delete it from the consumer 's credit reports. However, XXXX will submit a second " XXXX '' XXXX XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal from the Equifax tradeline. 


Per the above response Equifax was instructed in XXXX to delete the XXXX XXXX collection from my credit file. However, Equiafx has reported on every dispute that this debt was verified. This is a blatant disregard for my credit file and is actively reporting incorrect information. This account was to be deleted in XXXX and as of XXXX XXXX, XXXX, this derogatory account is still incorrectly reporting in my credit file. I have several other items that I have disputed that Equifax has stated has been " verified '' as well that I am adamant are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XXXX is blocking me from enabling external applications. 

It is my understanding that The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly by giving access to financial data. I have already sent a message to XXXX and hope that you will enforce as well that they need to give me access to my financial data.

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 2017-10-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Lowes promised me that the XX/XX/XXXX interest amount of {$240.00} would be credited back to me a few months ago and after numerous attempts to get this credited, they keep giving me different answers. I used the email system on their website only to get a scripted message about interest, which I understand. I used the chat service only to be cut off, told wrong information, told the XX/XX/XXXX interest was for the month was waived ( Even though I said over and over it was the XX/XX/XXXX interest for XX/XX/XXXX ) and told to call a different number after a different number. Ive spoken to managers who said they could do nothing, associates the same and each time I was clear, that I was told, by one of their reps, that my purchases were not applied correctly to promo 's. THEIR rep agreed, told me they would refund that months interest and still nothing. They promised this as a resolution and I accepted. Yet, no person can help me get this fixed?

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 2017-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stallings Financial Group, Inc.
State: NV

Complaint narrative:
I was NEVER notified of debt!! According to credit report debt is {$220.00}. Stallingsfinancial never notified me ... never received any correspondence of debt. Stallingsfinancial has now posted debt on my credit report files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 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: CA

Complaint narrative:
I finally got the non deniab fact, and proof of it. XXXX XXXX who am complain about sent me the paperwork I needed. Turn out it was a bad check that they are trying to recover for. California has a statue of limitation of two years on checks, and bad checks do n't belong on my credit report. Thank heavens I did my own investigating on this matter.

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 2017-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is charging me monthly for two accounts that I have repeatably requested to cancel. When I call into Equifax they say that they have cancelled the accounts, however I continue to be billed for these accounts. When I request a refund they tell me that they do not have a refund policy and that I have to wait an indefinite amount of time for an investigation. I am fed up with this and this is robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nations Recovery Center
State: NY

Complaint narrative:
On XX/XX/XXXX I received a call from a woman by the name of XXXX XXXX, a representative of XXXX XXXX XXXX, a Collection firm. I was informed that I owe a debt in the amount of {$7000.00} from XX/XX/XXXX or XX/XX/XXXX- or it went into collections in XX/XX/XXXX ( per the caller ). The caller stated that I was served in the state of Georgia and in New York. I have never been served and I have never resided in Georgia. I requested that the caller send via US mail any relevant information including all signed contracts. I was informed that i would need to go to the court to look up the file I informed her that due to my XXXX I could not go to the courts to research at this time.. I was then informed that the debt will not dissolve until XX/XX/XXXX and my assets will be subject to seizure along with other threats In addition, i was informed that there are ways that my bank account or personal information could be obtained.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE ONCE AGAIN FAILED TO RE-INSERT BOTH ACCOUNTS ONTO XXXX. BECAUSE OF THIS WE HAVE TO CLOSE ALL ACCOUNT, AND FILE CHAPTER XXXX BANKRUPTCY NEXTWEEK.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: NV

Complaint narrative:
Never received debt information from collection company. Debt is supposedly with XXXX XXXX XXXX for {$1000.00}. ER i.e. collection company has placed debt on all 3 credit bureaus. I was not notified of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I authorized a check with Bluebird by American Express for {$1000.00} that I mailed to my landlord for my rent payment for the month of XX/XX/XXXX.
On XX/XX/XXXX I received an email indicating that there was a stop payment that I never initiated or authorized..
Bluebird gave me a very nonsensical excuse about the handwriting on the check being illegible which is not correct since I have been authorizing checks for four years as a consumer with their product with no prior issues. In order to write a check on the Bluebird account one must have the funds pre-authorized in advance and which an authorization code is processed and my landlord had no problem depositing the check to her account. It took Bluebird by American Express almost 2 weeks to send me this type of notification that the funds were stopped which is very disturbing and is now costing me to be late on my rent and I will absorb a bunch of fees in the process for the financial penalties imposed by my landlord

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NV

Complaint narrative:
I did not receive notification of debt. Debt is listed for {$6000.00} and has been place on all 3 credit bureaus.

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