vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: CA

Complaint narrative:
On XX/XX/XXXX, I applied and was approved for the American Express XXXX XXXX online at americanexpress.com. As part of signing up for the XXXX XXXX, American Express offered me XXXX membership rewards points if I spend {$4000.00} on the new card in XXXX months. I received the XXXX XXXX a few days later. Within 2 or 3 months, I had spent over {$4000.00} on the card, and continuously checked my American Express account for the membership rewards points I was owed. However, they did not appear. I made a call to American Express around XX/XX/XXXX, and expressed my concern, but was told that it may take up to a month to receive my points. I continued to wait but did not receive the points. It was at this point, after multiple calls to American Express, that I learned that American Express will not be giving me the points because the " offer listed on my account '' was for a spend of {$5000.00} in XXXX months, which I did not meet. This was the first time I had heard of this discrepancy. In XX/XX/XXXX I called American Express at least 6 times to try to get this resolved to no avail. They seem to have no record of the actual offer they presented to me in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: International Credit Inc
State: NC

Complaint narrative:
on XX/XX/XXXX I Noticed the car was gone I Called The financing company and they told they took the car because they could not verify i had insurance, I told them yes i have full coverage, they told me to send the information. On XX/XX/2021 i switch insurance from XXXXXXXX XXXX to XXXX XXXX, but they never sent the information to the Financing Company. once they had the information, they told me i can get the car back, but they said i needed to pay for those fees which back than it was {$1700.00} plus storage fees. i said i am not going to pay for this when is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I received a letter from XXXX XXXX, XXXX regarding an attempt to collect a debt from PayPal. I called the agency but they could not give me any information. I called Paypal and was told I have no outstanding balance with them and never have. I called the agency back but they kept prodding me for more of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ XXXX' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I tried to buy a car but every time the dealership checked my credit, they got a XXXX so when I called XXXX, they said my credit was XXXX. When checking my credit, I got XXXX, I even got a report from " https : //www.annualcreditreport.com/ '' that my credit is XXXX. 

So, this morning I saw this on the news. Https : XXXX that " XXXX miscalculated the credit scores of thousands of consumers. Some people may have received a different credit decision due to the coding error. 

please i am an active member i am buying this car i can't qualify.

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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is attempting to circumvent Fair Debt Collection Act by : 1. ) Claiming they provided validation ( that was requested by me ) but the letter was " undeliverable '' despite all other mail being delivered - and despite offering no proof of this undelivered mail. 

2. ) Their " collections rep '' stated upon being asked by me ( and documented ) : " I want to talk to an attorney '' the rep replied " Yes, you can talk to me. '' Clearly this is representing they are an attorney and in fact are not - then going on to demand personal banking information. 

In my last complaint Midland attempted to sidestep a proper reply by claiming that it is a general line and mail wasn't delivered - both further bad faith attempts to cover violations of the Fair Debt Collections Act. 

I would like them to properly answer the statements with proof and show no more bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my right. 15 U.S. C 1681 section 602 A. STATES I have the right to privacy. 15 U.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
The Arbitration Provision requires a written, mailed notice to out-out therefrom ; this is inaccessible for blind users.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MI

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report which is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and need to get deleted immediately : XXXX FOR Inquired on XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XXXX, 2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX  Inquired on XX/XX/2021 XXXX  XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I got unfortunately involved in a loan scam causing my vank account to be overdrawn XXXX. I reported the mobile deposited fake checks which they removed an sent back. However the money I used reluctantly to send the scammer gift cards they have deducted from account overdrawn me XXXX. I ok with being put on a payment plan for that which the bank refused to do. I am however without money for 3 weeks now past due on all my bills. I had a legal direct deposit go into account for XXXX which they won't release to me into another account I have opened to move my direct deposit to. They also refused me that. All they did was return XXXX for the return check fee but unfortunately all they did was deduct it from overdraft amount

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Opened a savings account on XX/XX/22. Initiated the ACH transfer for the minimum deposit. Have continuously tried to access my account to no avail. The system will not send me the factor authentication via text. Called and spoke with a bank representative on XX/XX/22. He stated I would receive an email. Still haven't received the email, therefore still can not access the account. I just want to ACH my money back to the linked external account. The bank is completely out of control. Had to sit on hold for hours just to reach someone. These are bait-and-switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
When I applied for a new mortgage, I was told that I have no credit score, absolute XXXX. I am XXXX XXXX XXXX and have about 50 years of credit history : loans, mortgages, credit cards, bills paid, etc. The last mortgage I took out was in XXXX. It was paid off in full in XXXX. At the time my credit score was near XXXX. Now the lenders say there is no credit score at all. I tried to contact Experian to see what the problem is, but can't get through to them.

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 2022-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
I lost my job due to XXXX, and was able to find my current job but unfortunately the process of hiring took about two months, so I asked my mortgage company about the options for a forbearance, they helped me during my time of need, and discussed how placing all balances on the back end of the loan was the best option for me... 
but I had XXXX major issues coming back from it... 
. they never told me about the escrow being an issue and how it would affect my monthly payments being a lot higher I had a conversation and they told me property taxes and home owners insurance almost doubled bring my payments from XXXX to XXXX and that I was able to understand I received the agreement assuming my monthly payments for that amount and I agreed and signed it ... no problems there, problem 1... 

At that point they don't even told me about a higher amount ... one day I checked my mortgage app on my phone and I see a payment scheduled for next month for XXXX I was alarmed and called and asked what was that about and that's when they told me about the escrow balance needed to be paid. And I wish they would have told me about that when I first started because I would have paid at least the escrow that is my first issue. 

Problem 2... 

I checked my credit and it shows derogatory account and late for 120 days wich affected my credit... I called them about this and they said that was a mistake and before I submit a claim in the credit bureaus to give them 30 days to fix it, and I did I just got a notification on my credit saying that my account is current... but they never removed the late payments report negatively affecting my credit and this is something I asked them and they told me it would definitely not affect me credit wise. 

Now I must call them again and call the bureaus to remove their mistake from my credit. 

Thank you.

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 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 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

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 2022-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XX/XX/2022 I submitted a formal complaint asking for the account in question to be validated via written contract or agreement, to which no response was received to date.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act Creditors Bureau Associates, Transunion and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: NH

Complaint narrative:
Hi, This is a different collection company but the same debt that I disputed years ago on CFPB. I contacted all companies concerned last time before contacting cfpb. It disappeared from credit reports back then and hasn't reappeared, yet. 

Amount : {$890.00} Collection Company : Dynamic Recovery Solutions LLC ( XXXX ) XXXX XXXX XXXX. XXXX, SC XXXX XXXX XXXX  Reference # : XXXX Original Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX XXXX Please let me know if you need anything else. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and Equifax has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX and Equifax has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, a sheriff knock on my door and provide me with a Civil Summons to answer to a civil action brought against me by Midland Credit Management , INC about a Credit card balance owned on a XXXX XXXX Bank in the amount of {$2800.00} that was open back on XX/XX/XXXX under my personal information including an old address from which I had moved out on XX/XX/XXXX to which I did request a change of address at the USPS which they forward any mail that was sent to my previous address to my new address and I never receive any statement or notification from either company about a past due account that I had with then. I did try to explain to the representative from Midland credit that My personal information including my social security number had been compromised and even though I didn't file a police report about it I did set up a credit monitor that will notify me of any change on my credit including new account, collection account, closed or open account or any other change pertaining to my credit and this account had never showed on my credit report one thing I don't play around is with my credit because I know how important it's is to have good credit and if I had known about this account I would have taken care of it just like I have been taking care of the accounts on my credit report. Looking at the report that was sent to me with the summons including a XXXX credit statement with the last number of that account and it doesn't match the last four numbers of the account that was provided to me by Midland Credit Management , INC, I don't think is fair for a person that a bank just sale the information to a collection agency without notifying the individual or change account number without any notice sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello my name is XXXX XXXX and I've been banking with Bank of America since XXXX. First they stopped my online for {$23000.00} date XX/XX/XXXX. Without calling me they cancelled my transaction. When I called they they asked me to visit the financial center and i visited the XXXX XXXX XXXX branch located in XXXX, MA. The banker called the online people and I spoke to them as well sitting in the bank, I was been told everything has been taken care of now and my account is in good shape, now when I am lying down in bed due to my medical conditions for my both knees replacement I used my online to pay my bill in the amount of {$5700.00} on the XX/XX/XXXX which again they cancelled, Then I tried to purchase clothes using my debit card on the XX/XX/XXXX it got declined. They have closed my online access, my debit card and want me to drag my bed to the financial center. They called me themselves several times through all means of communications. Instead they want to see me in branch with my bed.

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 2022-08-10 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I over paid my XXXX 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for Macy 's Store Charge Card.

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