vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX, I accepted a promotion offer from American Express " Amex '' Cash Magnet cards stating that " after you spend {$1000.00} or more in purchases with your new Card within the first 3 months of Card Membership. You will receive the [ {$150.00} bonus ] cash back in the form of a statement credit ''. I completed the application with a live Amex representative and was approved over the phone. 

So I charge more than {$1000.00} to the card when I called Amex XXXX and asked for my {$150.00} bonus credit, I was told that I am engaging " gaming '' because I have a Gold XXXX XXXX cards which I opened about 4 years ago and there was not enough activity on the XXXX XXXX ( I was told I did not use that account that much ), therefore, I will not receive the {$150.00} bonus. More importantly, I have no idea Amex using the word " gaming '' in which it is hard for any person to understand. 

However, I have been paying the {$95.00} annual fee every year for the last four years and Amex has no problem billing for the fee. 

I was an Amex card member since XXXX and I am surprised Amex will treat me like I was some type of dishonest person. 

Therefore, I feel I was tricked into this sign-up bonuses after I have spent the {$1000.00} on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: OH

Complaint narrative:
Below is the list of companies that I contacted due to the enormous amount of unauthorized inquires that is on my credit report. I contacted these creditors only for them to tell me that there is no open credit card in my name and they do not see the inquiry on there end and for me to dispute it with the credit bureaus. I disputed all of the accounts listed below with the 3 credit bureaus ( transunion, XXXX, XXXX ) all of them came back as verified. The cra 's DID NOT VERIFY anything because I  talked to all of the companies before disputing. The inquiries are fraudulent and I want them removed immediately! This is my last and final attempt to resolve this issue before obtaining legal advice. These unauthorized inquires is a strain on my credit and I am in the process of looking for a home. Do not send me some pre-made letter again stating this was verified because that is a lie! No one from the cra 's called any of the creditors to validate this information because they do not have it in there system. I have listed the names and phone numbers of the creditors to contact concerning these erroneous accounts. Here are the inquiries that need to be removed immediately : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX Inquiry : XXXX. XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Contractors ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX  XXXX   XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Travel/Entertainment ( XXXX ) XXXX-XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-XXXX XXXX/XXXX  XXXX Inquiry : XXXX XXXX, XXXX Bank ( 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 2019-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about the month XXXX I became aware of an alleged outstanding debt for XXXX XXXX Visa card. I was contacted by XXXX XXXX XXXX ( a third party collection agency ) and was harassed for an outstanding balance of {$2400.00} I had completely been unaware of. 

XXXX XXXX XXXX XXXX XXXX contacted me with a unfriendly tone demanding I pay the above balance, again, I have never made any application for credit with or opened any account with XXXX XXXX XXXX Visa or Capital One bank at any time. 

I have filed a police report and am willing to prosecute the perpetrator who has used my identity which resulted in the credit card debt from XXXX XXXX Visa card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Issue : Inability to set up automatic bill payments. 

History : Took out {$14000.00} credit line on XX/XX/2019 to finance XXXX  XXXX with a 3 year payment plan. Financed with XXXX XXXX, a subsidiary of XXXX   XXXX. 

Problem : XXXX XXXX bill payment platform does not allow its customers to set up recurring monthly payments over the life of the loan. This process takes advantage of consumers vulnerability of making on-time payments since they have to set up manual payments for every monthly payment period over the life of the loan. 

I feel that XXXX/XXXX purposefully takes advantage of consumers to enhance their revenues by charging onerous late fees ( {$38.00} ) knowing that a significant percentage of customers will be prone to missing a payment deadline. They do offer a one-time waiver ; however the chances are significant that consumers will be prone to missing more than 1 payment deadline over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Level Processing
State: PA

Complaint narrative:
I used a 3rd party company, Higher Level Processing to refinance my student loan. This happened through XXXX. Higher Level processing has been deducting fees from my account and failed to pay XXXX causing my account to go delinquent and has now effected my credit to the point that I am not getting approved for my house that I am scheduled to close in in less than a month. XXXX was never able to contact me directly to discuss any late payments as Higher Level set up my information as there office. All emails, postal letters and phone calls went to Higher Level from XXXX and the payments were never made. I have brought my account with XXXX current directly with them, but the credit reporting has not been addressed. I need both Higher Level and XXXX to be responsible for the hit to my credit report and request it be removed from my credit report as Higher Level worked fraudulently to solicit funds from me for a service they failed to provide. Causing my credit report to show inaccurate information. In addition, having the account set up under Higher Levels contact information, address, and emails is an act of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: MN

Complaint narrative:
On XX/XX/2019 I tried to buy something on XXXX I tried to use the prime service, instead XXXX charged me for the prime membership ( XXXX ) and XXXX dollars for the items from their website. ( XXXX ) After a few minutes I noticed my card was declined because of the XXXX prime membership that I didnt count with the XXXX dollar purchase. 

So I cancelled the items and prime membership. The prime membership was refunded immediately but the XXXX dollars are missing. 

XXXX says they didnt charge me. 
The bank has the funds in hold. 
I saw a hold but not the XXXX dollars. 
The bank claims their disputing the XXXX dollar charge. 
If XXXX didnt charge me where is my XXXX dollars?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Rushmore loan services is in violation of federal and state regulations regarding loan processing, financial services and real estate procedures. 

At issue is a short sale request that was submitted to Rushmore on XX/XX/19. Rushmore ordered a property evaluation which came back at XXXX. Rushmore is required by law and regulations as the seller to pay for fees associated to a transaction such as taxes, settlement fees, real estate commissions, etc. Fees typically equal about 9 % of the purchase price of a property as commissions alone are 6 %. 

Rushmore is illegally demanding that they only have to XXXX or about 2 % of the purchase price. This is unethical, illegal and in violation of several regulations regarding financial transactions, acting in bad faith and real estate procedures. 

It appears Rushmore is attempting to make such a ridiculous demand so they can illegally violate the CAHBOR which requires lenders and servicers to help homeowners avoid foreclosure. By making illegal and unethical demands they are in fact denying borrower 's right to avoid foreclosure. These violations must CEASE and DESIST immediately. 

Federal regulators must investigate Rushmore to see how many other borrowers are being violated in this manner. This is an outrageous violation of laws and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I used a 3rd party service ( XXXX XXXX XXXX ) to get set up with Navient for my student loan repayment. Navient used all contact information from the 3rd party to process my loan. All correspondences relating to my loan, payments and personal contact information was sent to XXXX XXXX instead of me. I received no account number, payment dates, payment amounts, calls or notifications of my repayments status. It was not until a delinquency appeared on my credit report that I was made aware that they were not receiving payment from XXXX XXXX. Once the delinquency appeared on my report, I immediately contacted them and brought the account current! Updated my contact information, including phone, address, email and changed my account log in information. The issue is that the late payment and delinquency was not removed from my credit report. As Navient set up this account with fraudulent information and was never able to contact me to discuss the student loan, my credit has suffered and I am now unable to secure a home loan that I am currently seeking for a home I am scheduled to close on in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: CO

Complaint narrative:
Transunion is reporting incorrectly that I am 60 days past due on XXXX/XXXX partial account number ****XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Tried to buy a house but I had a freeze in my account from equifax. They couldnt run my credit because of the freeze. I called them XX/XX/2016, XXXX, XXXX, XXXX, and XXXX i called last on the XXXX to try and resolve the issue. I sent them documents they needed via fax on the XXXX and they still couldnt verify my identity and lift the freeze

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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:
I'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to refuse to lift my credit freeze. They keep sending me letters in the mail giving instructions to call the toll free number, submit the request online, or mail the request. 

I have mailed the request 4 times in the last year and the problem has NEVER been fixed. 

I have called the toll-free number. There is no option to talk to a person. I am given a voicemessage saying that I should submit online or via the mail. 

I have submitted the request through their online system dozens of times with the provided PIN code. The request is always rejected telling me to call the toll free number or submit via the mail. 

I submitted a complaint previously through CFPB and Experian 's response was call the toll free number, submit online, or submit via the mail. I still can not get the freeze removed from my credit report. What do I do now?

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 2019-05-01 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account in question. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account in question. 

The unverified account listed remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Problem with personal statement of dispute
Company: Ad Astra Recovery Services Inc
State: KS

Complaint narrative:
COMPANY REPORTING FRAUD ACCOUNT ON CREDIT FILE WITH ALL CRA. THIS IS NOT MINE AND, AND I HAVE NEVER DONE BUSINESS WITH CLIENT/ COMPANY, FRAUD AFFIDAVIT FILED WITH FTC CASE # XXXX ID FRAUD, SAME ACCOUNT DATA REPORTED 3X WITH 3 DIFFERENT COMPANIES DEMANDING SAME PAYMENT OF {$280.00}. COMPANY VIOLATED " FDCPA, FCBA AND FCRA '' Account Number:XXXX-XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I mailed a letter to experian disputing an item on my credit file on XX/XX/XXXX. They did not acknowledge nor respond to the letter. On XX/XX/XXXX I mailed a second letter to experian advising them of my rights under the FCRA dispute Act. Instead of deleting the item as required by law, they acted on the XX/XX/XXXX letter which, by the date of their response was 55 days later. They are obligated to delete this item according to FCRA Sect 611 ( a ) ( 5 ). Instead they updated information on the item.

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 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
We went into contract to sell a parcel of land on our property in XX/XX/XXXX. In XXXX of XXXX we notified Carrington Mortgage that we needed a partial release of the lien on the mortgage to complete the sale. We began the process of obtaining a partial release of the mortgage for our property at XXXX XXXX XXXX in XXXX New York. We were told it would be processed by XXXX XXXX the We were informed on XX/XX/XXXX by XXXX XXXX XXXX and Escalation Specialist with Carrington, that there was a problem with the assignments not being recorded. 

There are three assignments missing including the assignment to Carrington who says they hold the note. 

It is now XX/XX/XXXX. We do not have the partial release of the lien. And now we don't know, nor can Carrington prove, that they hold the note. Carrington 's customer service line will not let us through to legal department, lien department or the escalation department so we can not get answers. We have asked customer service reps to relay the message that we need to talk to them but no one returns our calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: KY

Complaint narrative:
I was contacted by the Ameritech Company to initiate the process of student loan forgiveness I was told I qualified for. I paid a {$1200.00} dollar fee to initiate and was given a lower payment plan and was to send this payment to Ameritech. At the end of 10 years, the balance of my loan was to be forgiven. I later found out that after about 1 year of making the payment ( which I thought was going toward my student loan ) I found out that the payment to Ameritech was not coming off of my student loans at all. The only way I found out was when I received paper work to renew with Ameritech the next year. I contacted XXXX at that time and they explained to me that the payments were being made to Ameritech just for paper work, etc .... The entire time, my loan was in Forbearance and interest was building. I am not sure of exact dates, I think the time frame was from XXXX - XXXX. 
I have received notification that the Federal Trade Commission has taken legal action against Ameritech. Ameritech has since closed.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-01 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: GA

Complaint narrative:
I'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. 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