vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2018 : I deposited {$25.00} into my prepaid American Express card at XXXX. 
Later that evening I tried to use the card to purchase a gift for my son but the card was denied. 
I called the number on the back of my card and when I was finally able to speak to someone I was told that they put a hold on my card because they needed to make sure their was no fraudulent activity. 
This is not a new card. I have had this card for about 3 years. 
XX/XX/2018 : I called the card again and was placed on hold for about an hour and a half and when I spoke to the representative they told me that I could go ahead and use the card. 
I tried to make a purchase and it was denied. 
I called the card company again and was placed on hold for about an hour and when they came on the line they immediately hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 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: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : Experian, XXXX, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX   XXXX, CA XXXX  ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted Experian , XXXX , XXXX with no updates yet.

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 2018-07-28 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: Altisource Portfolio Solutions, S.à r.l.
State: NV

Complaint narrative:
I am a XXXX Veteran and I am/was a customer of XXXX XXXX XXXX ( XXXX ) home warranty paying {$53.00} a mo for coverage - Six ( 6 ) months ago I received a letter from XXXX reflecting that I was overdue for that months pmt - I have been signed up w/XXXX since moving into our home back in XX/XX/XXXX and had pmts set up on direct debit/electronic fund transfer to XXXX monthly for the {$53.00} pmt - I subsequently contacted XXXX to find out why my pmt was late as I have been on direct draft pmt for the last three yrs - I asked the XXXX rep what happened and they couldn't give e an answer - I then received a second notice of overdue pmt for the second month in a row - with debit card information ( 16 didget number ) enclosed in the 2nd letter that was incorrect - I once again called XXXX and asked them what happened and that the debit card info on their 2nd letter was not mine - The next four months went by - my wife or I haven't submitted a request for any type of services from XXXX - and now after six months have elapsed since receiving the 1st and 2nd past due notices form XXXX - we have now received a collection notice from XXXX XXXX XXXX. in XXXX XXXX IA which reflects we now owe {$160.00} and that it has to be paid w/in 30 days of the date on the credit collection agency of XX/XX/XXXX. Upon receipt of the collection notice I once again called XXXX and asked to speak to a supervisor - ( foreigner ) did not have command of the English language and did not attempt to resolve or even listed to my dilemma - and hung up the phone on me - I attempted a 2nd call - both calls in succession today the XX/XX/XXXX @ XXXX and XXXX XXXX - to no avail the rep would not allow me to speak to a supervisor the 2nd time I called and did not offer any assistance of any type or listen to my dilemma. I requested that both of today 's calls be annotated on my file and that I was reporting their company to the XXXX XXXX XXXX and what ever other agency I can report them to as a victim of their direct negligence to listen, assist, and resolve my billing discrepancy they are responsible for this mistake that XXXX we feel is directly responsible for - My wife has also contacted XXXX in trying to explain this same situation but was told that it is our responsibility to pay our debts - Our argument is that " HOW DID OUR MONTHLY PAYMENTS GET STOPPED WITHOUT MY AUTHORIZATION OR REQUEST TO STOP? '' Then to receive past due notices without no explanation?

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 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Total Card, Inc.
State: AL

Complaint narrative:
File Chapter XXXX, Total Visa was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB. No resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear Sir or Madam, I paid in full my first deed of trust loan with Mr. Cooper ( Nationstar Mortgage ) on or about XX/XX/2018 via wire transfer. The Mr. Cooper loan number was XXXX. This deed of trust was recorded against my property located at XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, CA XXXX. 
Even though ( 1 ) Mr. Cooper unilaterally required me to wire transfer the final pay-off funds at an additional cost to me of {$40.00} as charged by XXXX XXXX XXXX, XXXX, and ( 2 ) pursuant to the terms of my promissory note and deed of trust, there was no requirement obligating me to wire the final payment, Mr. Cooper has failed to provide me with the original of my promissory note as required by law and as formally requested by me via telephone calls on no less than four separate occasions including a conversation with Ms. XXXX of Mr. Cooper on XX/XX/2018 at XXXX XXXX   PST. Each time I have expressly requested the return of my original promissory note and I have been assured by the Mr. Cooper customer service representative that the " promissory note is in the mail ''. As Mr. Cooper continues to deceive me by telling me that the promissory note has been sent, it is clear that they have no intention of returning the promissory note to me as required by law and I am quite concerned that they may attempt to sell the note or to claim that it has not been paid off. As a result, I am requesting the assistance of the CFPB to require Mr. Cooper to return the original of my promissory note as required by law since Mr. Cooper continues to deceive and abuse its borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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 opened an XXXX business account with American Express on XX/XX/XXXX with a sign up promo for XXXX XXXX  for spending XXXX dollars in three months. I completed this spend on XX/XX/XXXX and waited the 3 months necessary to get the reward points that Amex says they can take. They managed to post the award bonus for my XXXX personal card ( XXXX points for {$3000.00} spend with an additional XXXX points on completing {$5000.00} spend ) which is shown in the screenshots below, but they never posted my XXXX business sign up bonus. At this point, I contacted american express and opened a case looking into why my award points were not awarded despite meeting the minimum spend. This was supposed to take 6-8 weeks. 8 weeks later I complained that there was no resolution to my open case and they said they would escalate my case. This was 2 months ago, and I am nowhere close to getting the promised award bonus. 

In their response, the company acknowledged their mistake and said : " We have issued XXXX bonus XXXX to your account on XX/XX/XXXX. These XXXX  have been transferred to your XXXX account and will post in 7 to 10 business days. '' This has not happened, and it is already XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: FL

Complaint narrative:
I contacted this company by certified mail on XX/XX/2018 and as of today date I have not yet had response from this collection agent as per the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy and the Fair credit reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to First Data Merchant account number XXXX for the sum of {$230.00}. I have explained that this account is unknown to me and I require FULL validation for this account that includes. It is now 57 days after my certified request for validation. Pursuant to the Fair Debt Collection Practices Act you have failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.

I request that you follow compliance and remove this entry from my 3 bureau credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/18, I made a payment of {$1000.00} to my Personal Line of Credit at Wells Fargo, intending to pay down the loan. On XX/XX/18, while attempting to make a transfer on Wells Fargo 's website, I accidentally transferred {$1900.00} into my Personal Line of Credit. This was not intended to be placed there and I called Wells Fargo as soon as I noticed this didn't go to the correct account. Wells Fargo reversed the payment on XX/XX/18. Also on XX/XX/18, Wells Fargo lowered the limit to {$400.00} ... leaving {$370.00} of available credit prior to refunding the accidental payment. When they refunded the overpayment, the balance shot up to {$1900.00}. I feel that if my overpayment were not considered, my line of credit would have been reduced to the balance on the account or around that amount and not to {$400.00} which resulted in my utilization on the account being 492 %. I have spoken with numerous departments at Wells Fargo who have refused to assist me and don't seem to grasp the issue.

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 2018-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
They just XXXX  me and changed the subject and left me on hold for over an hour forced into listening to XXXX hold music. And said to me in a rude hateful language and would say the same XXXX things over and overwhelming until she trying to tick me by holding information on the 32 inquiry they did in less than 2months and expected me to have the dates. There is no way for me to know the dates they ran it because I didnt do it they did! XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX XXXX XXXX for NM, USA. PLEASE GET THIS UNDER CONTROL thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: UT

Complaint narrative:
I have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/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 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
A dispute was filed for charges including two XXXX transactions on XX/XX/XXXX,  amounts of XXXX and XXXX. Additional charges from another merchant, XXXX of XXXX XXXX, were resolved directly, without any help from American Express as they denied claim for all charges. Items from XXXX remain unresolved, I've spoken with numerous XXXX reps, was advised to dispute charge with American Express and that they have not received any charge back or thereof from them. It appears American Express had done nothing at all to dispute any of the charges, just flat out denied the claim without investigating. I believe they merely verified billing address with merchant ( s )  and considers that enough to deny claim, which is unfortunate as they will continue to receive complaints until credit is issued. XXXX will not reimburse/refund charges, they refer me back to American Express. As you can see, the two banks have me bouncing back and forth, neither party has provided any proof these charges were authorized, which they were not. XXXX XXXX XXXX replies on behalf of American Express, this person has never shown any evidence whatsoever that XXXX transactions were authorized by myself or that I received anything from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 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: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, XXXX, Transunion.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX  , XXXX , Transunion with no updates yet.

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 2018-07-28 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: CA

Complaint narrative:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports : XXXX, Equifax, XXXX.

I have one Hard Inquiry made by Company : XXXX XXXX On XX/XX/2017.

Credit Unions XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I have called Credit Unions at XXXX XXXX  in several occasions left messages for the Supervisor to return the call, regarding this matter.NO returned calls.I also contacted XXXX , Equifax , XXXX with no updates yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS never did anything other than attempt to take my home force foreclouser on me they are thief Disunest and crock They have law suites against them for doing the same thing they doing with me sale peoples home Cfpb too easy do some thing SLS send creeps to my property to take picture they hid in the bushes and around my property when I go outside they ran away I cant leave my 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 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Service Finance Holdings, LLC
State: OH

Complaint narrative:
I am simply in a transition where I need to get out of debt without filing for personal bankruptcy. I have a game plan that will work, but I need time to deal with my creditors one at a time. Accordingly, I need this company I am filing on to cease and desist all calls to me, that I desire written communications only, and that I will deal with my creditors one at a time through settlements. I need all calls to stop immediately under my rights with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: FL

Complaint narrative:
Someone hacked my XXXX and XXXX account. I did not make the purchases. I poke to XXXX and was told it was fixed and I would not be liable for the charges. I have now received a letter from a debt collector stating if I do not pay I will have a judgement on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
File Chapter XXXX, XXXX XXXX was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB.  No resolve.

Company response to consumer: Closed with explanation