vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 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: MA

Complaint narrative:
EXPERIAN - Today I received a report from Experian notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, Experian, XXXX and XXXX. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX  and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an 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 2018-04-19 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used my Chase credit card ( Cardmember Services ) on XX/XX/2017 to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of XXXX XXXX XXXX XXXX. The contract says that the company is only allowed to charge the initial deposit of {$2500.00} to the card ( provided over the phone ). The company charged the entire amount of {$5.00}, XXXX to my account and did not finish the job. Chase asked me to provide documentation indicating that the job was not delivered as promised. I submitted email correspondences to Chase in which the company, XXXX XXXX XXXX abandoned the job and did not complete it. When Chase sent the decision letter, ruling in favor of the merchant, they said that I never submitted a second opinion- which was not requested. I did seek a second opinion and hired XXXX XXXX XXXX to redo the framing that was done by XXXX XXXX XXXX ( it was done incorrectly ) and to frame the rest of the house ( what the first company was paid to do but did not complete ). Additionally, in the first contract with XXXX XXXX XXXX, he was paid {$10000.00} to demolish all of the walls in the house.. this was also not completed. This is the second time that the merchant was paid to complete a job and did not do it. Chase is also claiming that because the contract was not signed there is no proof that XXXX XXXX from XXXX XXXX XXXX was only supposed to charge the initial deposit. If the contract is not signed, then he did not have permission to charge any amount to my account.

Conclusion : contract was not signed, merchant did not have permission to charge {$5000.00} to my Chase Visa card Work done by XXXX XXXX XXXX XXXX was incomplete and faulty. I hired another company to correct and to complete his work.

Chase has an unfortunate reputation of not assisting customers in the matters of fraudulent charges ( see article from XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: OH

Complaint narrative:
I was targeted for a promotion back in XXXX XX/XX/XXXX in conjunction with my XXXX XXXX XXXXXXXX XXXX XXXX ( now called XXXX   ) credit card, which offered me XXXX bonus XXXX XXXX points for each authorized user credit card added ( up to four ), given that each new authorized user spends at least {$1000.00} on the card within 3 months of opening. [ image of offer attached ]. I took advantage of this offer, setting up two new authorized user accounts on XX/XX/XXXX online via American Express ' website. The minimum spend requirements were completed for both new cards by the deadline indicated, but I only received one of the XXXX bonus point amounts into my XXXX account. The card which did not receive the bonus points was used by my wife to complete {$1000.00} in spending from the dates of XX/XX/XXXX thru XX/XX/XXXX. [ transaction list with dates attached ]. I contacted XXXX customer service on XX/XX/XXXX to remedy the situation, of which they stated they saw the spend was there and would start " an investigation '' into why I did not receive the points and it would take 6-8 weeks but to call back before then. After hearing nothing, I called again on XX/XX/XXXX to be told they saw that everything looked correct but they needed two more weeks to continue looking into it. After again hearing nothing, I called on XX/XX/XXXX, and after being placed on hold multiple times, them being surprised why I didn't get the bonus points as it looked like I should have received them, ( and being on the phone over 37 minutes ), they apologized for the trouble and said they would credit my XXXX account with the XXXX points. I thanked them and asked when it should show up and they said within 72 hours. It has now been 15 days and still the XXXX points have not shown up in my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX - Purchased engagement ring for my Fiance at XXXX XXXX in XXXX, NJ. Opened account with XXXX XXXX to finance the ring XX/XX/XXXX - Returned original ring and received a new one XX/XX/XXXX- First payment was made with a finance charge Received the following charges on my account thereafter : XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} XX/XX/XXXX FINANCE CHARGE Charged {$36.00} XX/XX/XXXX FINANCE CHARGE Charged {$23.00} XX/XX/XXXX FINANCE CHARGE Charged {$37.00} XX/XX/XXXX FINANCE CHARGE Charged {$24.00} XX/XX/XXXX PAYMENT-THANK YOU Payment - {$180.00} The company, rather than return my original ring purchase and add the new ring purchase, tacked on the new ring purchase on top of the other, charging me two times a month for two separate purchases. Now, I am receiving finance charges for the original ring which was returned AND the new ring.

This was reported to the company who services the loan and no determination or refunds have been issued or communicated. I continue to receive TWO finance charges per month for ONE purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We were affected by hurricane Irma in XX/XX/2017. Roundpoint mortgage offered for us to make minimal {$100.00} payments for 3 months. They told me that at the end of the three months, I would have the choice to pay in full, make a payment plan, or request to have the 3 months added to the end of my loan. I was also told emphatically that this would not affect my credit, it would not be reported to the credit agency and I would not receive late fees. 
In early XX/XX/XXXX, I called Roundpoint to start the request to add the 3 payments to the end of the loan. I filled out the paperwork that I was told to complete and sent it in promptly. 
We resumed our full payments on the first of the month starting in XX/XX/XXXX and have made each of the subsequent payments in full and on time. 

The issues that we are complaining about are : 1. Roundpoint has submitted delinquency to the credit agencies resulting in an immediate drop in our credit score of over 100 points. We are due to close an SBA loan any day - this change in credit will likely cancel this opportunity that our business desperately needs. 
2. We have been repeatedly charged late fees. 
3. This has been the most difficult loan process that we have ever been through. We have had many mortgages in our lives and also work as Realtors and have assisted many of our clients through the lending process and we have never been through such a ridiculous and difficult process. We did the same loan modification with our business mortgage after Hurricane Irma and it was 2 papers to sign and notarize. 
I have responded immediately to every phone call, letter and email. 
Roundpoint has asked for a new and different list of documents on nearly a weekly basis for over 4 months. I have provided them each time with what they have asked for. But every time, there is a new list. Most of the staff at Roundpoint is now sympathetic when we speak and can not understand why they are asking for things that I've sent, or more documents. These staff members are in shock themselves, and always promise to help me resolve this. And then I never hear from that person again. 
We need to have our file submitted to their investors, but they will not or can not submit it because there are " missing documents ''. Yet every time I spend hours getting more missing documents, there is a new list the following week. 
Now they are selling our Mortgage on XX/XX/XXXX and I'm told the process will start over. 
I have done everything they have asked over and over again. I am making my payments. I have never been late on any loan payment EVER other that after Hurricane Irman - but then only with permission from the lenders. 
HELP!

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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting 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
Consumer complaint received 2018-04-19 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX - Today I received a report from XXXX  notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, XXXX, XXXX and Equifax. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to Transunion, XXXX, and XXXX to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your 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 2018-04-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my XXXX and equifax reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western Portfolio Assets
State: TX

Complaint narrative:
Number used is XXXX. They reference file # XXXX. They even have my home address. However, they are looking for a XXXX XXXX XXXX I am XXXX XXXX XXXX XXXX Debt agencies have been after this XXXX XXXX XXXX ( who apparently lives or lived at one point in XXXX XXXX  ). The tough part is that he and I apparently share the same last 4 digits of our SS #. So I give them my first 3 digits, and that usually solves the issue. If not, then they ask for DOB and I give it as XXXX XXXX XXXX does not share my same DOB. I provided BOTH to the person at the above number, and they accused me of lying to them about who I am. They wanted me to send them a copy of my driver 's license to prove I am who I say I am. I told them that the information I provided was more than sufficient to prove I am not XXXX XXXX XXXX. The gentleman then started threatening me with his legal department, and I accused him of harassing an innocent individual. He hung up on me and did not finish the conversation.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
My employer received a wage garnishment for 15 % of my disposable income, which i was told calculated to be {$880.00} per month. I can't afford this.I didn't receive notification so that i could contest it. I have been lead to believe all of my student loans were in deferment or forbearance. 
Once i was notified by my employer, i called the debtor to work out a REASONABLE repayment and they worked out a $ XXXX/month arrangement and i increased it to $ XXXX/month for 12 months and then increase. SO now they get the garnishment and the monthly payments. I can't afford this, it will LITERALLY break me. 
I requested documentation to verify everything ( the loan ( itemized ), the school attended associated with this loan, the terms of the loan and any notification. They said they will get what they can, but they would continue to garnish my wages. I haven't received anything. 

If i lose my home and transportation, i will lose my job. I can't afford to lose $ XXXX/month. 

Note : They stated they had no way of contacting me, but i have had the same cell phone number since XX/XX/XXXX and the same email address since 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 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: SC

Complaint narrative:
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.

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 2018-04-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: SC

Complaint narrative:
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major  credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.

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 2018-04-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a credit application on XXXX, authorizing XXXX XXXX XXXX of XXXX, NC to pull my credit report. 

They, in turn, authorized 10 other creditors to pull my credit report without my knowledge or consent, which resulted in 17 hard inquiries on my credit report on two separate days, XX/XX/XXXX and XX/XX/XXXX. By doing this, my credit score dropped 27-33 points and also prevented me from getting credit from other creditors, stating I had way too many inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was also contacted by a financial person at their sister dealership and was told I also needed to do a credit application on their site, XXXX. This caused another inquiry on my credit on XX/XX/XXXX On XX/XX/XXXX I sent letters to XXXX, Equifax, and XXXX  to open a dispute. They all basically responded the same, saying I needed to contact the individual creditors directly. 

On XX/XX/XXXX I sent letters to all of the creditors and they all basically said the same thing, that they received permission to run my credit from these dealerships, XXXX XXXX XXXX of XXXX, NC and/or XXXX XXXX XXXX XXXX NC. 

On XX/XX/XXXX I had a demand letter drafted and sent to both dealerships by a law firm demanding them to contact the three credit reporting agencies immediately and have these hard inquiries removed. There was no response. 

On XX/XX/XXXX I submitted a complaint to both dealerships to the CFPB. According to CFPB, the company responded that they are not the appropriate company to address your issue.

Company response to consumer: Closed with explanation