vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 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: NJ

Complaint narrative:
The American Express send me the XXXX XXXX credit card offer by the email at XX/XX/XXXX, for the following promo-tion : XXXX bonus miles after spending {$2000.00} or more within three months and {$50.00} statement credit after make a XXXX purchase within three months. ( See attachment Page 1-2 ) I applied the card by the email link which American Express send to me at XXXX XXXX, XXXX. The card was approved. ( See attachment Page 3-4 ) I  spend more than {$2000.00} and made the purchase of {$50.00} from XXXX XXXX XXXX on the card within less than three months period. I paid the annual fee {$95.00} too. 

But XXXX bonus miles and {$50.00} statement credit never posted on my account. I have been contacted to American Ex-press at XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See attachment Page 5-9 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX has closed several of my accounts for no reason. I have kept the cards active and paid on time. In the process of getting my SCRA benefit activated on my account. I am to the point where getting a lawyer to sue the company for wrongfully closing my account. Here are the accounts that were closed : Lowes Card : XXXX XXXX : Card ending XXXX XXXX XXXX : XXXX XXXX XXXX : Dont remember the account number but they can pull my info with social. 
I have submitted information to XXXX XXXX to process the SCRA benefit for reduced APR as well as any other fees that have incurred. Still have not heard anything back from the bank itself. Please help me look into this issue.

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 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I have a checking account with USAA. In XXXX, 2017, I signed up for a internet service called XXXX XXXX XXXX XXXX. The service did not live up to it's claims so I cancelled it three weeks later. In XXXX USAA processed a payment for XXXX XXXX that I did not authorize. I told them this in multiple phone calls and I filed a fraud dispute against XXXX XXXX. Today USAA sent me an e-mail saying my fraud claim was denied and they were siding with the company and reversing my credit of {$130.00}. USAA sides with companies against consumers. I find it almost impossible to cancel payments or reverse payments that were not authorized 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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
This account should have never been reported to my credit report. There was an error with XXXX and the issue was resolved directly through XXXX. This collection agency was notified early XX/XX/XXXX by XXXX to delete the account and has yet to do. In fact, theyve recently verified the account as valid with XXXX after XX/XX/XXXX which was after Ive received the letter from RPM promising to remove the account. I called XX/XX/XXXX and spoke with XXXX who informed by that it will be additional 30-60 days since i exercised my right to dispute the account. I plan on pursueing legal action if this account is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has not responded any further in regards to the investigation as to why they are still reporting a debt on my credit report that's more than 7 years old.

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 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Financial Services
State: IL

Complaint narrative:
On XX/XX/2016 I went and applied for a new car and got approved but in my credit report it was stating I owed almost {$3000.00} on the truck I was trying to trade in so the dealer wouldn't give me much for my trade in because the amount I owed. I knew I owed close to {$500.00} but no where close to {$3000.00} so I called multiple times to the finance company where I took out the loan and didn't get a response so I went in and disputed the amount so with my original contract I had on hand and a print out of all payments made it came out that I owed {$490.00} and I paid that with debit card in full and received a letter signed and said paid in full about 2 weeks later I got the title .. so don't know where this extra money they say I owe because if I owed any money I would of never got the title from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Frontline Asset Strategies, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Frontline Asset Strategies has called my number daily looking for an individual that is not connected to this phone number. I tell them they have the wrong number and they have continued to call even though I told them not to call again. Yesterday I was asked if I knew the person they are trying to contact. They are harassing me for what reason? I am not the person they want to talk to. Furthermore they do not identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXXXXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau onXX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXXvoicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.

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 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX i submitted a agreed payoff amount to Wells Fargo Dealer Services in order to finalize and payoff a auto loan. At this time time i was told that that once payment was received it would take three days for the title to be electronically released since I was in a state that kept title electronically ( Ohio ). I called back on XX/XX/XXXX and was told that it was still being processed and it might be released that afternoon ( they had my money though ). I called back Mon and it still had not been released but it was processed as paid off on XX/XX/XXXX. I continued to ask for someone to speak to in regards to it being released and was told there was no one else to talk to. I called back Tuesday morning and then was told it was still being reviewed and they had 7-10 working days to process the procedure. I stated that someone told me that they had processed it already as paid on XX/XX/XXXX why cant it be electronically released? They said that was not true and they still had time to review the payoff. I stated you have my money and have had it for over a week what is there to be reviewed this is the settlement that was agreed upon already. I met my part of the agreement and my title should be released when I met my part of it. This delay is causing me problems of something that I paid for as agreed upon. Wells Fargo has accepted my payment but has not released my title in the timely manner as payment has been processed. When the funds cleared the title should have been released. There is no review process upon a already agreed upon settlement. WHAT IS THE REVIEW PROCESS! A DELAY IN INTEREST BEARING BANK PRACTICES.

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 2018-03-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/2018. In again resent the information to the credit Bureau on XX/XX/2018 asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/2018 voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I requested a confirmation of credit reporting on XX/XX/XXXX with the United states bankruptcy Court and and filled a dispute with all three credit reporting agency also a 3rd Party reporting called XXXX XXXX.I received a letter from the United States Bankruptcy Court stating that they do not report to an credit reporting agency or any third party reporting agencies. I sent the letter asking the agency to have the judgement removed and they still have not removed it only updated on my report on XX/XX/XXXX. In again resent the information to the credit Bureau on XX/XX/XXXX asking to verify this incorrect information. With out even looking into my concern, the resent me the same letter stating that it was verified stating that it was verified by a 3rd party consumer agency called XXXX XXXX. I then contacted XXXX XXXX on XX/XX/XXXX voicing my concern ans and filed a dispute.. On XX/XX/XXXX I received verification from XXXX XXXX that the can not verify my Bankruptcy and it has been removed. I would like to have the judgement removed immediately due to the fact that it is not verified and not accurate information. Thank your for your support.

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 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was not given the correct interest I would be charged and this was from XXXX. I'm just now hearing of this matter and it is now XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Repeatedly receiving phone calls from XXXX, Ohio ( XXXX ) area code,XXXX.-XXXX. Please note this is just one number they have attempted to call me on. I have blocked numerous other numbers 's from this same company in reference to a XXXX 'S account over the past 8 month 's. Be advised I have never had a XXXX, S account, this was also explained to the caller the one time I answered but the calls have continued on nearly a daily bases. It was suggested that I file a complaint with the CFPB about these calls. Also note that no message was left with a call back number or reason on any of these calls. 
Below is a list of other telephone number used by this company : 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 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?

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 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: FL

Complaint narrative:
Please be advised that the debt that was owed was settled and payment was submitted to Ameri Collect. I have a receipt for the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient has not been a decent servicer. I opened the loan in XX/XX/XXXX and was told if I paid {$25.00} each month throughout school that would cover interest and I would then have to pay full payments following graduation. I did. However when I graduated my loan balance had gone up over {$3000.00}. My payments were over {$200.00} a month. I asked for options to lower payments or refinance and they told me I was not eligible. Since graduation in XX/XX/XXXX I have made consistent payments. When I reentered school for my XXXX XXXX I went back to still paying {$25.00} a month to cover the interest. However, they are contacting myself and co-signer stating I am skipping payments. Also my payments have gone up about {$10.00} a year since graduation. I call customer service and ask why and they state it just happens. Once again I have been told I can not refinance or lower payments in any way. My loan started at {$13000.00} and I still owe {$14000.00}. But they claim Im over half way paid off. They will not work with me and I can not afford for the payments to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I REPORTED THE ( 3 ) FRAUDULENT ACCOUNTS FROM CENTRAL FINANCIAL CONTROL ACCOUNT NUMBERS XXXX, XXXX, XXXX WITH MY LOCATE POLICE AND CREDIT BUREAUS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
On XX/XX/2017 I made two different transactions for selling my virtual currency Bitcoin and Litcoin through coinbase. 

The first transaction was for {$260.00} of bitcoin -reference # XXXX The second transaction was for {$130.00} of litcoin XXXX reference # XXXX The money was supposed to be directly deposited into my checking account. The company has not responded to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Experian and XXXX  requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from Experian on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. On XX/XX/XXXX I received a response from XXXX saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to XXXX on XX/XX/XXXX dispute there being a freeze request.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
FRAUDULENT ACCOUNT FROM AMERICAN CREDIT BUREAU

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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Select Portfolio Servicing is foreclosing on my home. Over the years I have been unable to find the Noteholder/owner of my home. Over the past few years I have hired 2 attorney companys to try to get me a modification the last being bloom law group. SPS had stated that XXXX was my noteholder/owner of my note. I applied for a modification with the help of XXXX XXXX XXXX who I paid over {$6000.00} and SPS declined my modification application saying XXXX XXXX the investor had said no. So I went to XXXX XXXX executive office and was told they did not own the loan and was asked to leave. XXXX stated XXXX XXXX  owned the loan.. I contacted them and they sent me 3 letters saying they did not own the loan. They said XXXX XXXX XXXX XXXX XXXX did. I have 3 emails from XXXX XXXX  XXXX stating they do not own the loan. I requested repeatedly to SPS the current deed of trust assignment and have attached what they sent me which is fraudulent. XXXX paid {$10.00} for my {$300000.00} home. they did not send me the fraudlent XX/XX/XXXX filing. The deed of trust of XX/XX/XXXX was backdated and fraudulently signed with no assignor. This forclosure says it was a Jp chase, XXXX  XXXX XXXX XXXX XXXX  for XXXX XXXX asset backed securities trust XX/XX/XXXX asset backed certificates series XX/XX/XXXX. I have asked repeatedly both written and verbally for the paper trail to this loan and only received these 2 fraudlent papers. The loan originated with longbeach mortgage went to wells fargo to Washington mutual to bear sterns and sold to a trust. We have hired a forensic mortgage examiner and they have documented all the fraud. We went thru the mortgage modification process and were denied saying that XXXX has said NO. They don't own it. We are currently going thru another mortgage modification process with this foreclosure hanging over our head. We Just want to save our home, The loan was sold to a trust and none of the companies involved are currently in business. XXXX XXXX XXXX has filed false foreclosures on my home in the past and continues to try to foreclose with false documents also and no offer of mediation which Oregon requires. We just want a loan modification without all the fraudulent servicing fees.

Company response to consumer: Closed with explanation