vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3.

THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX   REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
TRIED TO HAVE CONSUMER FRAUD ALERT REMOVED. THEY WON'T DO IT, EVEN THOUGH I HAVE MY PIN AND INFORMATION FOR ALL 3. 
THIS IS LIFE THREATENING, I NEED XXXX TO SAVE MY LIFE AND THESE XXXX REFUSE TO REMOVE THE FRAUD ALERT SO I CAN GET MY LIFE SAVED!

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 2019-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
I received a letter in the mail yesterday addressed to my misspelled maiden name from Credence Resource Management , LLC regarding a XXXX XXXX  bill in the amount of {$560.00}. I called XXXX at XXXX on XX/XX/2019 lasting 16 minutes. I advised the female representative the account number on the letter and address and that my name is not correct and I do not have this account and would like a copy of the contract or proof that this is my account. I did not provide any additional information to verify this is my account and she gave me all of the account information and said I needed to pay this and that it was in fact my account. She gave me an email address that was different than the one I provided. I asked to speak to a supervisor. XXXX was the name of the supervisor that I advised I would not give my last 4 of social security number to and only provided the spelling of my correct maiden name and requested the contracted proof of ownership. I advised that I am disputing the debt and they did not follow the FDCPA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As it pertains to missing information on the credit report of XXXX XXXX XXXX. Individuals identified will be required to report to the designated locations as identified in the statements of XXXX XXXX XXXX for violations of the Bankruptcy code and/or U.S. Department of Justice Civil Rights Division Housing and Civil Enforcement for discrimination, erroneous information on credit report ( s ), attempting to attach themselves to an individual who paid a debt, obtaining credit by improper reporting of information on their credit report or a debt paid by another individual but appeared on their credit report, bankruptcy code violation, etc. The Federal Service Desk is required to accept the document as an addendum to the previous SAM.GOV registration as it pertains to ownership of property and banking accounts, etc.

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 2019-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
Im writing because I noticed that in my credit report contains 1 late payment reported on XX/XX/2017 for my XXXX XXXX store credit card account. 
I want you to know that I understand how important my financial obligations are, now that I know more about credit and life, and if it werent for the miss confusion on your autopay, postdate payment, and paperless features on your website, Id have an excellent payment record with you. I understand that it is my responsibility to always keep an eye on my finance, but since then, I havent missed any payment and also paid off the balance if you look at your records. Thats because I decided to make my payments manually every month to make sure I dont miss one anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
On my credit report a reported balance of {>= $1,000,000} was reported on XX/XX/2019 by Ocwen Loan Servicing LLC to the credit bureaus. The information is false. I never got a loan from Ocwen Loan Servicing LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XX/XX/2019, I applied for the XXXX XXXX XXXX credit card directly from the booking site for XXXX hotels, as I was paying for a reservation I was making. The offer specifically offered a XXXX XXXX point award after charging {$3000.00}. And this offer had been presented to me several times before I took it. The offer never varied during this XX/XX/2019 period that I booked on the site, which I done for several hotel stays during XXXX. 
The card is a Chase Bank card. The application was approved and I received the card in late XXXX and started using it. ... ..Since then, in the last week, I come to find out that they bait and switched me on the offer, with some extremely inferior offer, and one I had never even seen or heard of, that amounts to a mere 2 night stays. 

Because the offer was presented on the XXXX booking site ( XXXX ), my complaint is against both XXXX and Chase for fraudulently offering one promotion and then giving me an inferior promotion. When I complain to Chase to their email portal, they do nothing in response more than send a form letter response ( sorry for your inconvenience, etc.. ) It is obvious they don't even look into it. XXXX does not even bother to respond. 

There is much documentation out there that this was the going offer at the time of my application. I have already charged the {$3000.00} and lost the opportunities of other hotel reward programs. On a separate but related matter, I have struggled mightily to try to get my points for each and every stay at XXXX properties this year ( I have accrued 80+ stays in 2019 ). They make you jump through hoops when it is supposed to happen automatically. 

What I experience from these 2 companies is seemingly a combination of hubris, incompetence, gross negligence and ultimately fraud since they refuse to address the problems and don't seem to care at all about honoring their commitments. I also see that there are now blog sites devoted to XXXX 's grossly negligent handling of their rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
someone replied to a XXXX ad i posted looking for a ticket to a concert. i paid them {$60.00} via paypal. i was charged {$2.00} by paypal for service fees that were not explained. it turns out, the person selling the ticket was defrauding me. i sent the money but did not receive a ticket and the person stopped contacting me once the money was sent. the {$2.00} was to cover fees because the money was being sent to XXXX. had it been made clear that this was an international transaction it would have alerted me that this was a fraudulent exchange and i would not have proceeded with transferring money. customer service at paypal was dismissive and unhelpful in escalating my claim or taking serious my claim of fraud nor did they outline how they planned to prevent this use from perpetrating the same fraud against someone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scheer, Green & Burke L.P.A.
State: LA

Complaint narrative:
I recieved a letter in the mail today from Scherr, Green , & Burke , Co. L.P.A. stating that unless you notify this office within 30 days after receiving this notice that the dispute of this debt or any portion of this debt thereof, this office will assume this debt is valid. All they provided me with is a name of a medical company that I never heard of a file number unknown of and amount due that is unknown of. That they would provide me with a judgement against me. They stated that if I requested with that office within 30 days after the notice they would provide me with a notice of the name and address of the original creditor if different from the current creditor. 

I tried to call got a your waiting next in line to be transfered to a recording to leave a message for someone to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX paid both halves of my property taxes together, rather then in halves when the money was available. In XX/XX/XXXX {$2600.00} was due for my property tax, and {$3300.00} was in my escrow acct. XXXX sent a check for {$5300.00} which paid both halves the XXXX amount and the XX/XX/XXXX half. The resulting - {$1900.00} balance in my escrow didn't stop this Escrow Department from issuing another check 13 days later for the correct amount then due {$2600.00} increasing my negative balance to - {$4100.00}. The County cashed the full payment for {$5300.00} and sent the 2nd check back. XXXX Suspended my XX/XX/XXXX payment without cause or explanation. Then applied my XXXX payment to XXXX, declared me in Default late 30 days, and began sending certified letters and billing for inspections never conducted. I spent hours on the phone with XXXX or Consumer Advocate in XXXX, and he agreed we had not missed a payment, and should not be getting default notices. The account was transferred to SPS and for reasons I can't understand, they don't see the XXXX suspended funds as having an impact. The first 2 copies of my Account History of my XXXX Account were furnished to me through SPS and were obviously doctored. They read from the bottom of the page up, and have cut + paste shadows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.

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 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I opened an account on Saturday. I got a letter from a lawyer XXXX XXXX XXXX on Monday stating he need information about my account. The account has not been active yet and he has access to my information. I feel threatened as he can misuse my information to open other accounts or track my activities without my knowledge. It intrusion of my financial privacy.

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 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have notified TD BANK, online banking department about a Marketing issue TD Bank and I have collobrated on errors. However, the issue according to TD Bank is " I did '' meet TD BANK marketing qualifications for opening a new Premier Checking Account. 

Detailed Summary : [ TD Bank correspondents acknowledges TD Bank has failed to met financial liability of 300.00 usd within the scheduled time frame of 95 to 125 days according to Premier Checking account ending in XXXX under account holder XXXX XXXX XXXX. ] This document officially introduces an correspondence effort in which expresses TD BANK has breach its online Marketing promotion banking agreement and Federal Banking Statute of the United States 25 U. S. CODE 3316 stats ( a ) when an individual enters an  agreement for obligated in return for financial assistance in which in this case is financial credits. Also, ( b ) requires a repayment of financial assistance provided, pro-rated for the amount of time obligated to obtain after customers agreement accomplished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
After receiving my credit report from LexisNexis, I notice an extensive amount of inaccuracies ( report dated XX/XX/2019 ) .On XX/XX/2019, I mailed a request - requesting that they update their report file, and I furnished correct information regarding my identity.I included a copy of a letter from the Illinois bankruptcy court stating that they do Not perform any activities with credit bureaus as their report indicates.I included a copy of my drivers license ; social security card, copies of bills to prove my address. 
On XX/XX/2019, I received a response that appeared to be a bit of window dressing, because what it stated is not what I requested. The response was a two page letter - on the front page it was dated XX/XX/2019, but on the back it was dated XX/XX/2019. I will include a copy along with this statement. 
On XX/XX/XXXX, I received another report from LexisNexis stating that they had completed their investigation and their findings follow.The report states that they have deleted the inaccurate information.However, the only information shown deleted was a few phone numbers and the incorrect birth dates. 
I will include copies of pages of the report that show inaccurate information that I requested be removed remains. Please note that I have highlighted on each page the inaccuracies in accords with my letters to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: FL

Complaint narrative:
I applied for a Delta Skymiles American Express in XX/XX/XXXX. I was immediately approved for a {$10000.00} limit with a rewards bonus of XXXX miles if I spent {$3000.00} in the first three months. I was vacationing at the time so I spent {$3000.00} in the first month. I still had not received the bonus miles so I contacted American Express today. The representative told me that upon research I did not qualify for the bonus due to misuse of the rewards program and having too many Amex cards. I have one American Express dating back to XXXX. Amex states they sent me communication in regards to the decline of the rewards but I did not receive any communication from them regarding this matter. I could have put the $ 3000+ in purchases on another credit card that honored their rewards program instead of Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have contacted Experian multiple times during the past two months.And XXXX XXXX  as well, I spoke to XXXX XXXX  today with regards to two Accounts listed on my Credit Report and that Experian has both Accounts listed as CURRENT.I was told that there has to be an " Investigation '' .I informed the Customer Service Representative that there had been several investigations.And the fact that I had one Account only, needed to be submitted to Experian immediately. 
Experian refuses to realize that there is one Account.According to XXXX XXXX it is being reported every month as one Account. 
In addition, Experian is reporting that I have insufficient Income which is also inaccurate.

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 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: LA

Complaint narrative:
Caliber Home Loans, Acct # XXXX, is a third-party mortgage loan service that is now committing fraud and harassment on the complainant. This company stated that they acquired the servicing rights from XXXX XXXX XXXX. I have put Caliber Home Loans on notice several times disputing the fact that we don't owe anything on a mortgage and we are presently in litigation concerning this matter. I stated to Caliber Home Loans, that we never entered a contract with XXXX XXXX XXXX as well as them. I stated to them that the Note and Mortgage was canceled. See exhibit A. 

They now continue to harass me about payments while this case is being litigated for fraud. I now believe that XXXX XXXX XXXX Mortgage, XXXX XXXX XXXX and Caliber Home Loans are now in the mist of promulgating a collusion of fraud and predatory loan schemes to take advantage of us, the Complainants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.

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 2019-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I checked my personal credit report, which I acquired from all 3 major bureaus, on XX/XX/2019 and I noticed that this unauthorized inquiries were reported on my credit reports. 

I contacted the entities who are reporting the inquiries, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
This company has called and harassed me for years. They are calling my family members including my XXXX year old grandmother and harassing her and scaring her to death. They are abusive to her on the phone as well as my elderly parents. I want them to stop contacting any family members of mine immediately. I have repeatedly asked them to stop and they continue to do so. My family members have asked them to do so as well.

Company response to consumer: Closed with non-monetary relief