vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-02 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:
When i try to credit my american express blue cash credit card and other american express cards with my rewards dollars the reward dollar site page does not let me credit my account. Only when i call american express and complain they fix the problem right away and i can then credit my account. This happens about 50 % of the time i try to use my rewards dollars to credit my bill. I believe this is done to frustrate the card holder from requesting reward dollars credit. This occurred again today X/X/17. I am sure this is a common practice with american express card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: U.S. BANCORP
State: AZ

Complaint narrative:
We took advantage of 0 % credit card offer for 18 months in XXXX of 2016 on our XXXX XXXX  credit card. We are a XXXX XXXX and we use our home as our mailing address for the XXXX. We moved in XXXX of 2016 and had our mail forwarded to our new address. Because we were concerned about missing any payments due to the move, we went to great lengths to keep track of when payments were due. No payments were ever missed on this account. Unfortunately, we recently learned that XXXX XXXX closed the account and have started to charge interest on the account. When inquiring as to why this happened, we were informed that the account was closed because we moved. This happened despite our payments being made and our mail being forwarded. <P/>We requested that the account be reopened and the 0 % interest offer be honored. We also requested a reimbursement of all interest charges that were charged to the account. XXXX XXXX has refused to honor their 0 % offer.

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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are 2 collection accounts on my report that are not mine. I have asked for verification of the accounts multiple times and the response I get is they have " validated it ''. I have sent several letters asking for verification of accounts in accordance with FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified. '' I have requested that the collection accounts : XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX Acct # XXXX to be verified. I would like to see proof that these are indeed my accounts, which I adamantly believe they are not. I would like them removed as it is my right under the Federal Law

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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have called and sent letters multiple times to have inquiries removed as I have not authorized them. The response is a standard letter that says they come off the report in 2 years. I did not authorize them and want them removed from my report. These inquiries I am listing below as unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX inquiries )

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 2017-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAD A NEGATIVE IRS REPORT ON THE 3 CREDIT BUREAU. I ALREADY MAKE AN AGREEMENT WITH THE IRS WHERE MY DEBT IS NOT COLLECTIBLE. THEREFORE I CONTACTED THE 3 BUREAU OF CREDIT REQUESTING THAT PLEASE REMOVED THIS COLLECTION REPORT FROM MY CREDIT. XXXX AND XXXX REMOVED THE REPORT BUT TRANSUNION DID NOT WANT TO REMOVE IT AND THAT CONTINUO AFFECT MY CREDIT REPORT

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 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX ( multiple inquiries ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 . Capital One credit cards were apart of the bankruptcy. However, Capital One is still reported as a negative account and an open account on  XXXX  of the  XXXX  credi t reports.-    XXXX    and  XXXX  Additionally  ; my report shows payments as being late even though the accounts were included in the  bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open Capital One card and about the negative Capital One card still showing up on my report with late payments being reported. The only success I had was the removal of the open Capital One account with  XXXX  agency which was  XXXX . However,  XXXX  still reports Capital One as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,  XXXX  and  XXXX , still report an open Capital One account. I have called Capital One and they say I do not have any accounts with them! I am at my wits end!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I refinanced my mortgage and paid off the PNC Equity line in full 3 months ago. I wanted to make sure it was closed out so I logged on and realized I actually had a credit in the amount of {$850.00}. PNC did not disclose this & when I brought it to their attention a month later, they promised my refund check would be on its way. I think that is poor business practice that I had to notify them about the money they owe me but I have now called 5 times, had the exact same conversation with PNC. We go over the address, etc. PNC keeps promising I will receive a check within 5 business days. I do n't know what else to do. If I owed them the money, I would have to pay interest, etc. Loan number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Financial Systems, Inc.
State: MS

Complaint narrative:
I was involved in a wreck on X/XX/2012. Other party at fault. Had attorney to handle this matter. The day after the wreck I hired XXXX XXXX ( attorney, XXXX XXXX, MS ). Medical bills should have been handled through XXXX XXXX ( other party 's auto insurance ). <P/>Southern Financial Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 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: IN

Complaint narrative:
My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-  TransUnion and   XXXX   Additionall y ; m y report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was  XXXX . However,  XXXX  still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies, Transunion and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!

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 2017-07-02 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: IN

Complaint narrative:
My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-    XXXX    and  XXXX  Additionally  ; my  report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was Experian. However, Experian still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,   XXXX   and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!

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 2017-07-02 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: MD

Complaint narrative:
I have been a Bank of America customer for over 12 years and I have 2 credit card accounts established with them as well as 3 other personal banking accounts. One credit card has been active since XX/XX/XXXX and the other since XX/XX/XXXX. I have never been late with a payment, I consistently make payments in excess of the minimum monthly payment due, and neither card is at its credit limit. I received a letter this weekend indicating that my accounts were closed permanently and I needed to update any information that was associated with those accounts. The reason given was that my risk profile had changed and did not align with their risk tolerance. The only thing that has changed about my risk profile is that another unrelated credit card account that had no balance- was compromised due to fraud. I was made aware of this by checking my credit report at which time I contacted my credit card company since they had charged late fees and reported the account as delinquent based on the fraudulent charges. The investigation has been completed, the charges and late fees and credit reporting have been removed/reversed. Bank of America made no attempt to call me to make any inquiry or even inform me about the account- they just closed and I was embarrassed at two merchants because the card was declined before I had knowledge of the account closure. When I call the number provided with the letter, I am met with a message that says we are not going to explain any further why we closed the account and we will not reconsider our decision.

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 2017-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: TX

Complaint narrative:
I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am constantly getting collection calls from Portfolio Recovery. I have never dealt with this company. I got an automated call on X/XX/17 and two on X/XX/17 as well as numerous previous calls. I have told them I am on the Do Not Call List and to stop calling me but they are continuing to do so. I am a XXXX senior and this is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
this is a new, and continuation of previous complain about ( bank of america mortgage line of credit loan # ending XXXX ) company contacted me but as soon as my complain was closed, they dropped the ball, waited called waited few days before they finally call me, but my questions have not been answered, please do n't get me wrong regulatory complain person, XXXX XXXX, is a very nice person, it 's too bad that I got no where with information that her team provided for me, example to give you reading this, I got little to none answers considering how long it took there team to get back to me, and the information they have does n't agree with what I have, unless, am missing something? and I would not be complaining again if they would not be so mysterious about answering my messages, It 's has become clear to me that bank of america is not working with facts my credit line for example, was never up to the limit of XXXX as a matter of fact, it was XXXX and later reduced, drastically with the mortgage crises of the 2008, and let me give you one more example my XXXX system is telling me that am taking to long so I will stop here,

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 2017-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northland Group Inc
State: CA

Complaint narrative:
Creditor XXXX assigned collection company to destroy my credit and collecting a debt that was paid.It appears that XXXX added more charges of {$540.00} with Collection company and trying to settlement for paid charges of {$350.00}. This debt is old of debt of XXXX from around XX/XX/XXXX and Collection company has falsely updated to XX/XX/XXXX. I should n't have to pay for a debt that has been paid in full with XXXX. Why XXXX sending me to collection and destroying my credit. The collection is showing on my credit report with XXXX, XXXX, XXXX and I can not obtain any credit to purchase a home or support my daughters education. I am Divorce with limited income as my employer downsize my daily hours and now my monthly salary is at {$XXXX} a month Notice : Northland Group Inc Reference number # XXXX XXXX XXXX XXXXXXXX, XXXX, Minnesotta.XXXX XXXX Creditor XXXX XXXX XXXX XXXX  XXXX Account last four # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX, my XXXX years old son was injured. Settlement was reached with insurance company, and I was assigned a manager of my son 's estate until his emancipation in XX/XX/XXXX. I have chosen to open a Call CD ( joint, under both my son 's and my name ) with then Charter One Bank in IL. It was a 60-month Call CD. It matured twice, in XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I changed the length to 20 month, to gain better return. This CD would mature a few times, with closest to my son 's emancipation on XX/XX/XXXX. Initial CD agreement required me to have a clause stating that the funds would not be available for withdrawal unless a court order allowed, OR NO FURTHER COURT ORDER WOULD BE NEEDED once my son would emancipate ( in XX/XX/XXXX ). In XX/XX/XXXX, Charter One Bank completely moved out of IL, and this CD. Closest branch would be in XXXX, OH. In XX/XX/XXXX Charter One Bank became Citizens Bank. In XX/XX/XXXX, I have received a typical notification that the CD would mature on XX/XX/XXXX. I called the bank 's toll-free number in attempt to close the CD and move the funds into a checking account. This way, my son would have a nice present at his disposal for his XXXX Birthday. What I learned during the call was that the CD was " frozen '', and required a court order to unfreeze the funds. I knew this was not the case, and asked to find out why and when the change happened. In the meantime, the CD rolled to another term, with only 0.03 % APY ( due to us being out-of-area ). What I was told later, the type of CD with Citizens Bank was " Guardian '' and did require a court order to release the money. I know this was not supposed to happen since I was the one opening the initial Call CD with Charter One, and it was not a " Guardian '' account. Citizens Bank over the phone advised me to visit a branch, explain the situation, and a branch manager would be able to override the freeze. I did visit a branch ( made a detour while on a road trip ), but was told " the account is frozen, and a court order was needed ). I am upset that the whatever change happened to the account prevented me surprising my son with some money on his XXXX birthday. I am upset having spent at least two work weeks time trying to resolve the issue. I am upset the money was taken out of state, thus making it difficult resolving issues remotely ( again, closest branch is XXXX-XXXX miles away ). I am upset the money is held with almost no return, and with no reason at all, without even letting me to reinvest with them on better terms. I am upset the Bank have not held to the terms of original contract we both signed at the time of initial account opening in XX/XX/XXXX. I am upset for my now adult son for not being able to use his money for his needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
Not true amount of debt

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 2017-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I forgot to attached the PDF Forms to my dispute to the response given by Nationstar Mortgage to my complaint case # XXXX. The PDF referenced RMA Forms. The RMA Form Nationstar sent me to fill out is fake. Is a fake Form to deceive me to request for assistance I did not ask for. So I am going to attach the REAL FORM AND THE FAKE FORM here. Pay attention to page 2. These attachments are for Nationstar Mortgage PLC. Thanks

Company response to consumer: Closed with explanation