vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In mid-XXXX, XXXX, after conducting significant research, I applied for and was approved for an American Express ( AMEX ) Everyday card with a {$36000.00} credit limit. I chose this card because of 2 advertised provisions - 1. {$150.00} rebate after spending {$1000.00} ( not at issue at this time ) and the ability to balance transfer with no fee and no interest until XXXX, XXXX ( this is the provision at issue ). There was no indication that the transfer amount was limited to a dollar figure, but rather depended upon a review of relevant credit-worthy factors. It was the key provision I relied upon in securing the card. 

On XX/XX/XXXX, I contacted AMEX, to begin the process of transferring a balance. I had hoped to transfer @ {$35000.00}, but was told that my limit was {$7500.00}, based on a policy that was in effect until XX/XX/XXXX, but was changed as of that date. I eventually spoke/chatted with 4 separate AMEX employees and none could show me on their website or in the material they sent me notifying approval of any mention of a {$7500.00} limit. In fact, 2 acknowledged that the policy starting XX/XX/XXXX was in fact the same policy I relied on, that is - that any transfer amount would not be capped by an arbitrary number but by an analysis of my credit worthiness. I will provide the photos of the relevant portions of website and docs received from AMEX. 

In the best light for AMEX, they made a mistake by advertising a balance transfer policy that did not take effect until XX/XX/XXXX. To me, this is a classic Bait and Switch - Induce a financial decision based upon a promise that they never intended to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: SLM CORPORATION
State: TX

Complaint narrative:
I found a hard inquiry from XXXX XXXX B that I did not authorize. It shows to have happened on XX/XX/18 but I received nothing from them nor have I ever communicated with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have a XXXX XXXX Visa credit card. When I attempted to use it for a purchase on XXXX XXXX 's website, my card was declined ( my account is not past due and there are no issues with my credit limit ). I then logged into my XXXX XXXX   credit card account online. It prompted me to activate a new card. While I have not received a new card in the mail, I thought I needed to input the information of the current card in my possession. I did this, and it said my card was activated. 
However, the card in my possession would still not work for the purchase. I called the XXXX XXXX credit card customer service. They stated that there had been a security breach in XXXX and that I had been sent a new card and the card in my possession had been deactivated. BUT, I did not receive a new card in the mail. 
This is AT LEAST the second time XXXX XXXX  has claimed to have sent me a new card in the mail, but no card was actually received. 
Additionally, while XXXX claims to have deactivated my OLD card due to a breach and sent me a NEW card in XXXX, I was able to make purchases on my OLD card in XXXX. 
The three primary issues now are : ( 1 ) whether my new card was lost in the mail or never sent, the NEW card ( not in my possession ) is now ( according to XXXX  ) activated because I input my OLD card information when prompted by their website to activate a card. It is a security breach for the system to allow me to input my OLD card information to activate my NEW card that was never actually received. Had I not called them, the NEW card I never received could have remained activated for a third party to use ; ( 2 ) if there truly was a security breach in XXXX requiring a new card, why was I still able to use my OLD card through at least the end of XXXX? 
( 3 ) because XXXX deactivated my card without my knowledge and I never received the new card they supposedly sent ( again, this has happened before ), I am unable to use my card for XXXX XXXX promotions and discounts ( the promotions and discounts require the use of a XXXX card ). The whole point of having this card is to get these discounts and promotions. By the time I receive a new card, the promotion will be over and the products could be sold out by the time there is another promotion. Again, this is a repeated issue with 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 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have been on the Revised Pay As You Earn plan with Navient for two years. For that entire time my monthly payments have not been enough to cover the monthly interest. My payments have never been applied to the principal and my accrued interest ( and total balance ) keep increasing. 

I was never made aware of the subsidy that is supposed to be automatically applied to help in this situation and just happened to come across information about when trying to figure what to do about my loans. 

I contacted Navient to try to understand what is going on, but their responses have just been to explain the subsidy, and they have not tried to look into or explain my specific situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I received an email that states : " My team is working on your refinance request, but we would like to get more info about your financial goals. '' This email gave me great pause as I have not requested a refinance and I was worried about Identity Theft. I called the number on the letter and was told this is a marketing piece. I think the piece is materially deceptive, appalling, and disgusting that it was sent by XXXX XXXX | Vice President, Mortgage Banking. Regardless if he led the marketing campaign, it is a direct reflection of poor leadership and I believe it violates UDAAP. Additionally, I tried to unsubscribe and the email did not allow. Rather I have to update my preferences, which does not provide for a simple opt-out solution. Again - disgusting. I worry about my parents or other unsuspecting individuals that don't understand their rights or even how to complete the necessary steps online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: Mar Joe Enterprises
State: VA

Complaint narrative:
On XX/XX/XXXX, I had XXXX with anesthesia services being provided by XXXX XXXX XXXX, XXXX ( XXXX ). After my insurance paid their portion of the charges, I was billed by the anesthesiology group on XX/XX/XXXX for the balance due of {$49.00}. This amount was paid on XX/XX/XXXX by a bill pay transaction ( check # XXXX ) which cleared my checking account on XX/XX/XXXX. 
In early XXXX of XXXX, I received a notice dated XX/XX/XXXX from XXXX, XXXX, a collection agency in XXXX, TN, which advised that I could " ... dispute the validity of this debt ... within 30 days from receiving this notice ... '' On XX/XX/XXXX, I provided a written dispute along with a copy of the check with which payment was made. Assuming the matter was resolved, I took no further action. 
In late XXXX of XXXX, my wife visited XXXX XXXX XXXX in XXXX, TX to start the application process for a mortgage loan, but she was told that, due to a medical collection judgement against me for {$49.00}, our mortgage interest rate would be one-quarter of one percent ( 0.25 % ) higher than it would have been otherwise. While this does not seem to be very much, over the course of 30 years on a {$200000.00} mortgage, the additional cost to us would be in the neighborhood of {$15000.00}. 
After receiving this news, I disputed the non-payment through the credit reporting agencies, but XXXX, XXXX simply confirmed the judgment against me was valid and declined to correct my records. Hopefully, you will be able to assist me in getting the false reporting corrected and get my credit rating cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Approximately 10 days ago I deposited and cashed a check from a third party that bounced. It was my not my fault - it was the person that gave me the check. 

I was then left with a negative balance. I was going to let my direct deposit on XX/XX/XXXX refund the account. 

But without my knowledge US Bank closed / froze by account. Their fraud dept. or the bank branch did not notify me of any issues. I believe they over reacted with out trying to reach out to me - the customer. 

Understand they have to protect themselves but if they would have contacted me all this could have been avoided. 

They have not offered any way to fix the problem - how to get my direct deposit, and have not given me a direct answer as to why my account was closed. I received no phone call, email, or text. They mailed a letter which would take several days to received. 

Any other bank would have made an effort to notify the customer. I had a fraud issue with XXXX XXXX  a couple years ago and they were wonderful, helpful, and understanding. 

In contacting their fraud department clearly they were just reading off a script as when I tried asking other questions they kept repeating the same line over and over. They did not seem to care or offer a way to help. Just kept repeating ... again sir " my account is scheduled to be closed XX/XX/XXXX '' " you will be mailed a check with remaining balance '' US Bank can open my account in less then 30 minutes but take 15 days to close my account? I am pretty sure they can fix it and return my funds immediately but refuse to. 

They have already removed the negative balance - my account shows a positive balance of {$900.00}. 

US Bank is not making any effort to help and clearly I am trying to work with them. Will attempt to go into branch and see if they can 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 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2018 I pulled my equifax credit report. Upon pulling it I discovered several collections accounts listed with no name and no contact information. Ive called equifax who informed to call the company listed on my reports, I explained no company name or contact information was listed on my report. I tried to explain several times with no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
On XX/XX/XXXX and XXXX I received calls from Navient to my business line. I returned the call on XX/XX/XXXX and realized It was Navient 's attempt to collect a debt. While I do have student loans with Navient they are being paid and not in default. I was previously contacted on my business line on XX/XX/XXXX about the debt. I went through the prompts and the woman realized that they had called the wrong person. I asked her to not call my business line again and she obliged. 

So when I got the call in XXXX I was surprised. When I spoke to the woman I immediately said, I asked you not to call this line. She immediately went on the attack and threatened to sue me ; I explained to her that I'm not even who she was looking for. Again, she used very abusive language but when she went through all the identifying information, she realized ( as I tried to tell her ) it wasn't me she was looking for and then she hung up. 

I called Navient customer service to complain and ask that my business line not be called. Apparently they have no real process for this and could not identify who to call. They said call the person who initially contacted you. It was a direct dial to that person so I'm supposed to complain directly to the person that's the issue? I was told to leave a message asking for a manager to call me back. I've been calling for a week with no answer and no response. I want them to 1 ) not call my business line 2 ) stop calling me about a debt that's not mine 2 ) be fined for continuing to call a number I asked them not to. The person at issue is XXXX XXXX or XXXX her direct dial is XXXX. I spoke to her the morning of XX/XX/2018 around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
We did not sign up for a credit card with this company. We were offered a line of credit through XXXX XXXX XXXX. They said this was where customers got their line of credit through them. We told XXXX we could not afford more than {$300.00} per month, called multiple times to XXXX to find out the financial information since we were not sent home with any information nor did we get anything in the mail. We finally got a credit card bill in the mail for over {$800.00} so we called the billing department for XXXX XXXX XXXX and we asked what they were and they said they were a credit card. We asked about the percentage rate - it is 19.99 % and we asked when this amount was due and how often. It was due in less than a month from the date of the call and it was that amount each month. We asked them to send over a payment list to understand how much and often and they said that we would need to look up that information in the account once we created one with online access. Nowhere in the online information does it show anything about this credit card or the payment plan. They told us we were responsible for these payments and we signed up for them. We have sent a formal request for the paperwork opening this account as we did not open this account, but XXXX did on our behalf without our knowledge. We would have not ever signed up for a 19.99 % credit card for a timeshare if presented to us as such. We never received a credit card in the mail but only a disclosure sheet that says the credit cards interested rate will be anywhere from 10 % -17 % but you'll notice on this bill attached that it's 19.99 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union, XXXX and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces Trans Union, XXXX, and XXXX to legally validate said debts or delete them  IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX  -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested )

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 2018-11-07 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: DISCOVER BANK
State: IL

Complaint narrative:
Have been working on credit dispute with company on two charges that were not authorized on billing. 1 for a {$25.00} parking charge on XX/XX/2018 and 1 for a hotel nights stay that was charged for {$160.00} ( that charge was originally paid for in XX/XX/2018 for a prepaid nights stay that actually took place on XX/XX/2018 ). Both combined charges were not charged back as the company Discover claims the charges were valid. The truth of the matter is the hotel room was double booked the hotel committed to crediting back charges and did not do so. Discover claims hotel states they are actual approved charges. As the consumer I can attest that we did not stay the night and the charges are now a fraud issue. The Discover card states plainly that they protect the purchaser from any fraud charges but fails to do so when claims are submitted with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I rarely use my Chase account because of the way they do business. On XX/XX/2018 I refeceived a notification on my phone that my account would go negative from a pending tranaction that hadnt happened yet. I had been told in the past that money needed to be deposited by XXXX EST to avoid insufficient fund fees. Rather than going to the bank I used XXXX since it is promoted as instant money. I sent it from one of my other bank accounts to Chase and within minutes it said it was in my Chase account and that I had a XXXX balance instesd of potentially negaitve. I woke up this morning on XX/XX/XXXX so another alert from Chase that my account was negative. It was an insufficient funds fee! I called Chase and the first customer service person repeated the same thingd over and over saying that the deposit had to be in before XXXX EST to get in. I explained that there is no disclaimer alerting customers to this with XXXX or Chase and that my Chase app said I had a XXXX balance! I then asked to speak to XXXX who apparently is a manager and did nothing to help me. She just repeated their policy over and over again and actually went through a checklist saying things like I have explained our process ... and I have set expectations .... I am happily closing my account today but this fraud needs to STOP and I want my insufficient funds back to me from Chase for all the times this year that they came up with and excuse. One time I put cash in before XXXX then ak was told it had to be by XXXX = fee, etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Attempted to sell the property after being transferred out of state in late XX/XX/XXXX ( property in XXXX  ) & ( moved to XXXX  ). Home was not selling fast enough. Requested short sale information. Then in early XX/XX/XXXXreceived an offer. Wells Fargo processor gave me fax information to send in sale paperwork. I faxed personally 2 times & she told me that she did not receive it either time. So, I went to XXXX store for them to fax ( cost {$40.00} ). Again she did not receive it. She said try one more time. Again another {$40.00}! Then she told me that she really can't receive the paperwork via fax. It has to be submitted electronically into their system. So, then I went back to our real estate attorney in XXXX. They submitted into the Wells Fargo system immediately. Shortly thereafter I received word that she did not have enough time to review the paperwork and the offer. So, the offer was dropped. Some weeks later we received a second offer, only to be told that the offer was too high to qualify for short sale & that Wells Fargo was refusing the offer. When I called to ask why my customer service person was very rude. I asked " what do I have to do to get WF to process the paperwork & get the house sold to get it off my plate? ". No response. So, I asked, " do I have to get an attorney involved to get this done? '' He immediately hung up on me. I tried reaching anyone for months, being put on hold for 45 - 80 min at a time ( nearly losing my job because of it ) with no response from anyone at Wells Fargo. I finally gave up. Now both me & my mother have poor credit & IRS issues due to Wells Fargo 's failure to act on either offer for sale & poor customer service. This has now caused me to lose out on several job offers as well as cause my credit card interest rates to be raised & other cards to be closed.

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