vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-01 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: MD

Complaint narrative:
American Express had an offer for me to upgrade my XXXX card to a Surpass ( Ascend ) card and spent {$3000.00} in 3 months and get XXXX XXXX points. I thought I did so in time, but I was mistaken and spent {$2900.00} by the cutoff. I did spend an additional $ 56+ a few days after the cutoff since I thought it was a couple days later, but had apparently made a mistake ( I'm XXXX years old, my memory is not what it used to be ). It was only {$1.00} off and I had made a mistake like this in the past and companies were always sympathetic and tried to help me as best they could, so I chatted with American Express. They told me that even though I had missed it by {$1.00}, if I spent the additional {$1.00} by XX/XX/XXXX, I could call up American Express and they would credit me the points ( as a courtesy ). I realized that the {$56.00} put me over {$3000.00}, and since this was done by XX/XX/XXXX, I called up American Express today to discuss. The supervisor I spoke with was awful to me, and reiterated over and over that they didn't care what the customer agent had said, I had missed it by {$1.00} and they would not fix it. I think I just got a bad supervisor but I don't have the strength to keep calling American Express for this, and my daughter suggested I file this claim with CFPB. I believe if a customer service agent makes a promise and I have that promise saved in a document ( and it can be seen if American Express checks my account history ), and I stick to the terms of that promise, American Express should honor it. I would hope that they could please take into account that I am XXXX and I try my best and hope that they will stick to the terms of their promise. I know I missed the spending by {$1.00} because my math was off, but it was spent only a few days after and the original customer service agent promised me that American Express would help me out ( I believe as an exception ). Please help me with this claim. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have been holding the phone for 30 minutes while a girl named XXXX in the business service center has told me she was calling another department but hasnt came back to the phone. I keep being lied to, I have called 5 times about 2 charges from XXXX  XXXX for {$5.00} and {$12.00} that were fraudulent and need to be removed from my account after being disputed. I was also told the 3 overdraft fees for {$36.00} each on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX would be removed. Instead of doing what your representatives promised they keep adding more late fees.

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 2019-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
On XX/XX/2019 I requested a personal loan of XXXX for some unexpected bills. The agent didn't clearly explain to me the interest rate or what amount I'll be paying back. To my understanding I was told I'll be paying back a small amount on top of the loan I'm borrowing. Due to the amount of time for processing she stated I have three minutes to complete the application in order to receive the funds by the time deadline. The agent then had me to rush to complete my signature and stated I can read the agreement on my own time. I have paid a portion of the loan I borrowed and will now go into the interest rate of the loan payment which is more then what I expected {$5000.00} of XXXX I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-11-01 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I  am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: DISCOVER BANK
State: NJ

Complaint narrative:
My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. 

However, the status of my account is still stated as a 'charge off, closed ' and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Discover ), that is reporting it that way. I contacted Discover to change the status but they have refused to comply. 

The original debt was {$7800.00} and the current amount owed is XXXX 

I am requesting that the Status of the account be changed to 'paying as agreed ' and the monthly reporting to read, 'On time '

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: VA

Complaint narrative:
I agreed to settle a debt to XXXX XXXX via their counsel, Levy Law Llc. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ XXXX. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad heat resulting in a change in personality that they are trying to exploit an imbecile. 

Also, XXXX XXXX wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: Data Search NY, Inc.
State: NV

Complaint narrative:
This debt was included in the bankruptcy and it was discharge ; however, this debt is still reflecting in my credit bureau reporting as Open from XXXX XXXX XXXX XXXX. Also, since the debt was discharged by the FCRA the debt can not be reporting twice as Collection and Bankruptcy. On my other credit bureau agencies ( XXXX and XXXX ) it was removed as a Collection since it was part of the Bankruptcy. I want this removed from my credit bureau reporting in XXXX because It can not be reporting twice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My report shows late payments when the accou t does not picture to follow XXXX no bill is showing due and it's showing one loan not four

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 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.

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 2019-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I checked my account with XXXX and there is something on my credit report where Bank of America has obtained my personal information for a credit card that I have not applied for.

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 2019-11-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My account went into default due to loss of my job. The account was charged off and then bought over by a law firm debt collector. We reached an agreement for a monthly payment and I have been making the payments with no default. There was no offer in compromise, so I am paying the full money originally owed. However, the status of my account is still stated as a 'charge off, closed ', and the monthly report is reading as 'failure to pay ( FP ) ', while I am steadily making the payments. I contacted the law firm and was told it's the original debt owner ( Bank of America ), that is reporting it that way. I contacted Bank of America to change the status but they have refused to comply. The original debt was {$2800.00}.

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 explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I agreed to settle a debt to American Express via their counsel, XXXX XXXX XXXX. Due to well documented malfeasance by the person at XXXX XXXX I was dealing with, I overpaid the settlement amount by ~ {$5000.00}. I overpaid because they wouldnt take my payment and I thought they were going to accept my settlement money and sue me for the remainder anyway, so I was going to try to pay the balance in full, about $ 20k. 

I didnt think they should be able to go back on our agreement, so I reported them here and they agreed to honor the agreement, I have it in writing, and refund me my ~ {$5000.00}. 

It has been many weeks, and I think they arent going to send me my money. The guy just keeps saying that the checks in the mail but nothing ever comes. Hes stopped replying to my emails now too. 

I have a XXXX XXXX XXXX and suffer from a bad XXXX   resulting in a XXXX XXXX XXXX that they are trying to exploit an XXXX. 

Also, American Express wont update my account to say I paid it as agreed. They reported to the credit bureaus that I made a payment on my account, but I still owe a balance, which isnt true. They are reporting false information about people which I think is slander and they should be fined {>= $1,000,000} for it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I refinanced my property in XX/XX/XXXX and SLS was the new mortgage company that my payment was supposed to be made to. My first payment to SLS was supposed to begin Sunday XX/XX/XXXX. I attempted to make my payment online but I was having difficulty with my account. I had to wait till XX/XX/XXXX to make my payment as XX/XX/XXXX was an observed holiday and the company was closed. I called the company and the representative on the phone assisted with processing my XXXX payment. My payment information was Confirmation number : XXXX Effective date : XX/XX/XXXX at XXXX Payment Amount :  {$3300.00}. 

On XX/XX/XXXX, I received a call from SLS that my XXXX Payment was due even though I had a 15 day grace period. I informed the rep on the phone that I had made my payment but he stated that it was not showing on this record. It was then that I was informed that the payment was applied to an incorrect account. I was informed that this error will be corrected by XX/XX/XXXX. 
On XX/XX/XXXX, I called and the rep stated that they did not know how to address this even though they could see the payment in their system. This new rep stated that it could take 7-10 business days to correct this error and to call back on XX/XX/XXXX. 

I called back on XX/XX/XXXX as my payment that I made online for XXXX was applied as my XXXX payment. The rep I spoke with stated that to call back in another 5 days that this would be fixed. 

I called on XX/XX/XXXX and this had not been corrected. In the main time, I have been receiving calls from SLS stating that I am late on my payment. In addition, they have been spending me mail that my account is passed due. 

I called back on XX/XX/XXXX and requested to talk to a supervisor but I was informed that the supervisor was too busy to come to the phone and the rep on the call will attempt to help. Nothing was corrected during this phone call. 

I called on XX/XX/XXXX as I am concerned that with this not corrected, it was going to be reported to the credit bureaus. I was able to talk with a supervisor who stated that he will put in the computer a note not to call my phone for past du payments or receive delinquent mail at home. As of XX/XX/XXXX, this has not been corrected. I have contacted my attorney and she advised to notify the CFPD.

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 2019-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a Bank of America credit card used to balance transfers. I have 1 balance transfer with 0 % if paid in 12 months. I have a 2nd balance transfer with 1.99 % interest if paid in 18 months. In the past I've complained to the CFPB that BOA won't allow me to apply my payments in a manner that minimizes my accrued interest and penalty fees across both balance transfers. 

My statement mailed on XX/XX/XXXX doesn't provide my remaining balance on both balance transfer. All I see is a total balance ( see attachment ). In the past, BOA 's statement included information on the remaining balance on each transfer. In XXXX, I called BOA asking them to resend my XXXX statement with information that details the balance remaining on each transfer. The resent statement mailed XX/XX/XXXX doesn't include the information I requested as well ( see attachment ).

I believe BOA is purposely withholding that information from me so that they can maximize the interest payments I'm required to make. I also believe that BOA is altering my remaining balance, per transfer.

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 2019-11-01 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: Merchants Credit Corporation
State: WA

Complaint narrative:
I am not sure if this is a debt collection issue or the fact that the debt collector will not remove the account from my credit report. I had a debt with XXXX XXXX. XXXX turned over the debt to Merchants Credit. I paid on the account to Merchants until I could get no information on the debt from them. I then wrote a letter and began sending my money on the debt to XXXX and then to XXXX XXXX ( who bought out XXXX and its entities ). I continued to write to both Merchants, XXXX and XXXX. I never received any information from Merchants. I received a letter and a refund from XXXX saying I had no debt. I disputed on my Equifax credit report. Merchants Credit refused to remove the debt. The dispute from Equifax says to make this contact and also contact my State 's AG 's office. I attach copies of my letters and my response letter from XXXX XXXX. I have received no statements from Merchant 's on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 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: TX

Complaint narrative:
Advertised 5 % for airlines and i have been receiving only 1 % for last 18 months, thats an estimated loss of close to {$5000.00} in points or XXXX points. I fly 3 times a week and when i finally saw this screen hidden deep within their website I came to realize they have been scamming me for last 18 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: KS

Complaint narrative:
A tow truck driver beat on my door so hard it broke and opened. I came to the door and he screamed wheres his car, I demanded he get off my property while I called police for him destroying my property. He sat outside in my driveway with police Type lights blaring close to midnight while all my neighbors had to work the next morning breaching the peace and I didnt even have the car he was searching for. When the police turned down my street he shut his lights off and drove away fast after sitting outside harassing me a single XXXX   women dir 30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
1. There were fraudulent charges made on this account 2. The contract related to this account has been cancelled Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192, 31 USC 3123, 5103, 5312, 18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 a8 penalty.

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 2019-11-01 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: CORELOGIC INC
State: VA

Complaint narrative:
XXXX XXXX lied to me that no hard inquires would be performed on my credit. lETTER ACKNOWLEDGING THIS ATTACHED. Looking ffor monetary damages due to FCRA violation

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