vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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: PA

Complaint narrative:
After waiting for almost three months now from my first complaint on XX/XX/2019, the membership reward points transfer to airline still does not work for my American Express account, as I tried today, XX/XX/2019. 

I did apply for a new Platinum XXXX XXXX card on XX/XX/2019, but that was a month and a half ago from now. American Express claimed that this was the reason that caused a delay on my Membership Rewards review in their response to my second complaint on XX/XX/2019. But I have paid all the spending in full, fulfilled the spending requirement for the card opening bonus, and also paid the annual fee in full. 

I do not understand why this is taking so long, and what American Express is reviewing. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my second review I submitted on XX/XX/2019, but they failed to provide me with such information I requested in their response. 

I have been a loyal American Express customer. But since their response without helpful information to my second complaint, I have switched to use other card providers more than American Express cards. As I mentioned in previous complaints, I have been planning for a vacation, and reward tickets go out of stock fast. If this frustration continues, I will reconsider if American Express cards suit my credit card needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute a fraudulent charge on my account of {$20000.00}, {$200.00}, {$20000.00}, {$1500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$20000.00} -This is not my account. 


2. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account. 

3. XXXX-XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account. 


4. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, I applied the Citi Premier Card which include a welcome bonus of XXXX TYP after spending XXXX in the first 3 months. 
However, after I make over 5k purchases in 3 months still didnot receive the bonus. 

The CS told me I have same card previously and just closed on XXXX so I do not qualify for the welcome bonus. The closed card was under my husband 's name. not mine. 

I believe I am still qualify for the welcome bonus.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My new travel card ( United Explorer Chase Visa ) was declined while on vacation in another country. I called customer services at least 7 times throughout the week to try to verify purchases and confirm my identity ( via text confirmation and answering security questions ). Additionally I contacting customer support through the secure online portal linked to my account multiple times to resolve the issue. 

After an excessive number of attempts to resolve the problem, my card was still not accepted anywhere. Every support agent from Chase gave assurances that my card would no longer be declined. I even kept agents on phone and attempted purchases multiple times so they could " troubleshoot issues ''. 

Numerous support agents, a support manager and online support representatives gave assurances that my card would be accepted for the remainder of my vacation. During my 5th call with phone support the agent " guaranteed my card would work. '' I informed the Chase cardmember representative that if my card was declined again I would file formal complaints with XXXX and CFPB ... .. My next purchase was declined. Chase Bank, United Airlines and Visa are branded on the card and responsible for the unacceptable customer support and service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I was currently XXXX overseas as a XXXX XXXX XXXX XXXX XXXX XXXX. My house loan had recently been transferred from XXXX XXXX to Flagstar Bank. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with XXXX XXXX  ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, XXXX XXXX, and Flagstar Bank to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to dispute [ a ] fraudulent charge ( s ) on my account in the amount ( s ) of {$160000.00}. I am a victim of identity theft, and I did not make these charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 

A copy of my Identity Theft Report supporting my position has been mailed, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Hi, I've not applied for Amazon Store Card. But, I am receiving emails to pay the Card balance of XXXX USD. 
I talked to Customer Care, they informed me saying that card is closed. No email communication on the card closure and it is still appearing in my Amazon Login A/C. 

Please help as needed to protect my data and Credit report. 

Thanks in advance. 
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 non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
I have made several payments in addition to my regular monthly payments. I have never missed or been late for a payment and have actually paid ahead of the amortization schedule. 
Each time I make an additional payment, even notating it as pay down on principle, the company, Dovenmuehle mortgage company, holds the payment in limbo until they receive what they deem to be a full payment. They do not credit the money to my account on the day they receive it, but instead wait until other payments come in that total up to or exceed a monthly payment total. For instance in XXXX I made two additional principle payments of XXXX and XXXX dollars. The last of these was made on XX/XX/XXXX. As of today it has never been credited to my account. I called them last Tuesday XX/XX/XXXX to ask why this was so. They said it is their policy to NOT credit anything until another full payment amount is received. I asked specifically that they credit the XXXX dollars to principle and do it as of the date they received the money ( XX/XX/XXXX ) they said they would have to clear that with a supervisor and it would take at least 5 days and they doubted they could back date the payment. This seems a violation of many laws and truth in lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial Systems Inc is reporting an alleged debt that does not belong to me to the credit bureaus. I have sent a certified letter to Commonwealth Financial Systems Inc asking them to validate by providing any, and all contracts SIGNED by me. If they are unable to do so, I they need to delete the debt ASAP and NOT resale this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was currently XXXX overseas as a XXXX XXXX  XXXX  XXXX XXXX XXXX. My house loan had recently been transferred from Chase Bank to XXXX XXXX. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with Chase Bank ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, Chase Bank, and XXXX XXXX   to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2019 I mailed a debt verification letter to XXXX and TransUnion asking them to please send me proof of how did they verify this debt that was put on my credit profile from from XXXX XXXX. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to XXXX XXXX XXXX asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
On XX/XX/2019 I mailed a debt verification letter to XXXX and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from MCA MANGEMENT. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to MCA MANAGEMENT COMPANY asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Cell : ( XXXX ) XXXX Regards, Loan Number : XXXX I am writing this letter to complain about New American Funding, their mailing address is XXXX XXXX XXXX, XXXX, TX XXXX. This company holds my mortgage and they have falsely reported me over 30 days late to my credit reporting agencies. The months in question are XXXX, XXXX, and XX/XX/XXXX. 

I am attaching my payment receipts for the following : XXXX ( paid XX/XX/XXXX by electronic Debit ), XXXX ( paid XX/XX/XXXX by electronic check ), XXXX ( paid XX/XX/XXXX by official check ), and XXXX ( paid XX/XX/XXXX by official check ). 

On XX/XX/XXXX at approximately XXXX XXXX I called New American Funding and spoke with representative XXXX and provided the information. After keeping me on hold for over 10 minute, she returned and told me that I did not pay for XXXX and every month thereafter were late and that is why they reported the lates to the credit reporting agencies, I repeated that I paid within the 30 days and she insisted that the system says I was late and there was nothing she could do. 

After reviewing the Loan Activity from the New American Funding I discovered that I in fact paid XXXX, XXXX, XXXX, and XXXX well within the 30 days of which New American Funding falsely reported over 30 days late to the credit reporting agencies. This false report has caused me to be denied for credit and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have been a Banana Republic Credit Cardholder since XX/XX/XXXX. I have always paid this card on time and have tried to keep it in good stance. I found out today XX/XX/XXXX that my account was reported to the credit bureau and Synchrony Bank Closed my account. I had called the bank and explained that I was in the hospital for almost 4 months for a preexisting condition. I have never missed a payment and called them to advised to them of the information as to why I was not able to make payments the last 4 months. I also explained that this was not the only account that I was doing this reporting with because of the circumstances. I was never sent and email, txt notification, or mailed letter to tell me why my account was closed. I called back in XX/XX/XXXX and spoke to the customer service department about the issue and also advised that there was a payment on that was canceled due to it being set for the wrong amt. I know that payments need to be canceled within hours before XXXX if not it will process and the person will not be able to cancel. 
XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU {$120.00} XX/XX/XXXX XXXX ONLINE PAYMENT THANK YOU ( {$120.00} ) canceled online before the due date and was reassured that my account would be credited back this would not effect my account. However the interest would still apply even though my account was credit back the late fees the interest was not. also I do not see the credit report was updated to reflect corrections. so my report is showing that this account is closed and still has a high balance which as of today XX/XX/XXXX {$85.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-02 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: TX

Complaint narrative:
XXXX and TransUnion have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.

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 2019-10-02 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: TX

Complaint narrative:
Equifax and XXXX  have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and XXXX have failed to acknowledge my dispute and correct my credit report. Experian has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had my paychecks garnished, lost in lawsuit I did not know about. They sold it and another company is trying to collect another amount of money. Trying to, or did, take my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had my paychecks garnished. Paid in full. They are trying to garnish my wages again and take my taxes too. It has been paid for a year, not to mention it is a different amount than I had originally owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, this is my third attempt to correct my credit report due to fraudulent information reporting. XXXX and Experian have violated my rights under the FCRA and have refused to properly investigate my dispute.

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