vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
On XXXX XXXX a company Realtime Resolutions contacted new and stated that they would be able to sell my home back since they had foreclosed due to me defaulting on my second back in XXXX  when the economy crashed. Its been two weeks and Im now getting the run around, the evicted ne and my children. They said if I paid them XXXX dollars they would be able to transfer the title back to me. I just needed to show proof of the funds which I told him I did, try to send the proof and now the email came back undeliverable. I feel as though they just want to gain time and not come true in what they told me, unfortunately Ive not been able to have them put anything on paper, what can I do? Its my children s livelihood. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: FL

Complaint narrative:
I received an offer to upgrade a AMEX Blue Cash card in the mail. The offer included a waived first year {$95.00} annual fee. Both me and my wife have the AMEX Blue Cash card and similar credit scores. I signed up for the offer, but AMEX refused to upgrade my wife with the same offer. After multiple attempts to resolve this with AMEX by phone and chat, I am now forced to involve you for this discriminatory and misleading marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I submitted a dispute on XX/XX/2020 for an issue I was having with an order made through XXXX which still had not been completed at the time. I mailed and faxed this and did receive a receipt. On XX/XX/2020 Bank of America requested additional details regarding the transaction. In which I again reiterated that I was disputing the charge in full as I had ordered a closet installation and provided the dates in which I reached out to them and confirmed what the issue at hand was. Bank of America requested no other information from me but on XX/XX/XXXX, stated my claim was denied because I did not provide the amount that was being disputed, what it was for, or my attempts to resolve. However, all of that was both faxed and physically mailed to them. First on XX/XX/XXXX when I filed the dispute and on XX/XX/XXXX. There was no reason the dispute should have been closed and this charge billed back to me and oddly enough they opted to do so right on the closing date of the billing period so that they could tack on additional interest, then again, all of the details they said were not provided - were provided and after my submission on XX/XX/XXXX there was no contact from Bank of America stating that details provided were not enough or requesting clarification. It was simply closed for no reason. It is predatory and entirely incorrect because again, the details they asked for were previously provided twice and they never reached out to me stating otherwise.

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 2020-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This is formally the third time I report this company. 
I have everything documented and I expect that you take this in a professional matter and with competency that your agency should have. 
I do understand you are not a lawyer yet eveything is documented and clear and apparently is not being investigate properly. 
The company is Comenity Capital Bank XXXX XXXX XXXX XXXX TEXAS XXXX I made muliple occasions and documented all the attempts I have done online and other phone to MAKE MY LAST PAYMENT TO AVOID DEALING WITH THEM ANY LONGER. 1 ) THEY KEEP ACCEPTING MY BANK ACCOUNT INFORMATION, TELLING ME THAT THE LAST PAYMENT WAS GOOD 2 ) SENT ME CERO BALANCE LETTER 3 ) SENT ME CLOSED ACCOUNT KETTER 4 ) I GIVEN THEM TWO OF MY BANK ACCOUNT TO PULL THE
MONEY.

5 ) THEY JUST SENT AN ESTATEMENT THAT ADDED INTEREST AND LATE PAYMEMT FEES AFTER TELLING ME ALL WAS OK.

6 ) PLEASE REFER TO ALL MY OTHER DOCUMENTS WHERE I REPORTED THEM TO YOU BY DOING THE SAME FRAUDULENT MOVE : NO COLLECTING THE MONEY TO KEEP COLLECTING FROM ME LATE FEES AND ADD INTERS.

7 ) Despite all the email exchange though the secure website, the documents they sent reassuring me that account was closed and " XXXX  balance. Numerous phone calls and speking to the Supervisors YET AGAIN THEIR ACTIONS ARE OPENLY INTENDED TO MANIPULATE FRAUDULENTLY THE SYSTEM TO KEEP COLLECTING EXTRA MONEY.

8 ) I CALLED MY TWO BANKS TO MAKE SURE IF THEY EVEN TRY TO COLLECT OR IF THERE WAS A PROBLEM AND THEY TOLD ME THEY DID NOT ATTEMPT TO COLLECT NOR THERE WAS A PROBLEM WITH THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: AE

Complaint narrative:
I booked travel via AMEXs travel portal XX/XX/XXXX for {$210.00}. In accordance with their website advertisement of a {$200.00} Annual Travel Credit ( https : //www.americanexpress.com/ca/en/benefits/the-platinum-card/annual-travel-credit.html ). 
I met the Benefit Eligibility ; Basic Platinum Cardmembers As well as met the Terms & Conditions 1. The {$200.00} CAD Annual Travel Credit can only be redeemed at time of booking through American Express Travel Online at XXXX or by calling Platinum Card Travel Service . Travel booking must be charged to your Platinum Card. Account must be in good standing. If you choose to use the Travel Credit, it will be credited to your Card account within 2 business days. Basic Cardmember is entitled to one ( 1 ) Annual Travel Credit each year based on Card membership anniversary date, towards a single travel booking of {$200.00} or more, and will appear on your billing statement as Platinum Annual Travel Credit. If you cancel your travel booking after redeeming the Annual Travel Credit, you will not be able to use it again in the same year. You can only use one Travel Credit per booking.

However, now after having contacted Amex ( XXXX, XXXX, XXXX, XXXX, XXXX ), Im being told over the phone, contrary to their website that the benefit only extends to SELECT Platinum members, not all BASIC platinum members as advertised ( and still advertised ) on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I consolidated my individual student loans and began to make payments under an income driven repayment plan. Several months after this I was told that for some reason one of the individual loans was not added in the consolidation. They then asked me if I wanted to re-consolidate again with the additional individual loan added. After agreeing to this and going through with the process, I was then informed that the 20 year repayment process was restarted and my previous monthly payments did not count towards the 240 required payments on my Income driven repayment plan. In addition to this I have had multiple issues with contact with the company and issues with my yearly re-certification of income to remain on my IDR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is no longer in operation they have closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CT

Complaint narrative:
On XX/XX/XXXX I initiated a {$6000.00} AHC wire transfer from my Discover Bank checking account to my XXXX XXXX XXXX checking account. Unfortunately I used the wrong routing number and learned that the money would be rejected by XXXX  XXXX XXXX and sent back to Discover Bank. On XX/XX/XXXX I got an email saying my ability to transfer funds was suspended. I also got an email that said they noticed unusual activity on my account and it was suspended and I needed to call immediately. I called and got my account reactivated only to get the same emails the XXXX and XXXX. Finally on the XXXX I got another email saying to contact them immediately and that they noticed more unusual activity on my account. But there wasnt any. The only thing was the {$6000.00} being sent back. 

I talked for a while with customer service and was told my account was closed as a Business decision same thing they told the other people that made a complaint to this website. I asked when will I get my {$6000.00} plus thats in my account? She said 60 days. I said thats a long time, and she replied that that gives time for all the transactions to go through. I hung up and started researching if this was legal. 

I would ask you try to reach out to XXXX XXXX VP of Customer Service at Discover Bank, and try to explain the situation too him and how the longer they hold my money the more its going to cost them in legal fees and judicial decisions in my favor. All I did was put the wrong routing number in to a wire transfer, there was no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2020 I disputed the accuracy and completeness of information reported by Equifax in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2020 Bank of America put a pending deposit hold of $ XXXX in my account I have called multiple times trying to figure out what the problem is. They stated this was done by the fraud department. When I spoke to them they told me my account was being reviewed and it should be concluded soon with no exact date as to when that should be done. I have no access to any of my money because of this hold.

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 2020-10-25 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
XX/XX/2020 I Notified XXXX  that Midland funding was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an Midland funding. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Application # XXXX XXXX XXXX I applied for a Wells Fargo credit card because of the 0 % purchase APR. I received a declined letter which is bogus. I reviewed my credit report, XXXX  & XXXX  and I do not see anything wrong. My credit score is XXXX. There are numerous complaints about Wells Fargo online and now I see why! The declined reasons I received : 1 ) amount of credit available on actively used bank cards, 2 ) amount owed on a bank card with the highest balance is high relative to the credit limit. Not enough paid as agreed on your credit file. I have several store cards because when I use them I get rewards or coupons, but you are going to penalize me for that??? Even so, I paid all those cards on time. In XX/XX/XXXX I transferred a balance of {$3200.00} for a 0 % APR, so I can pay it down, I am not using the card and I also lowered my credit limit on that card! In XX/XX/XXXX I paid off my 5 year car loan. I have had my XXXX credit card since XXXX! 29 years! and I have NEVER BEEN LATE ON PAYING ON MY CREDIT CARDS! Decline reasons 2 & 3 are wrong! I do not know if Wells Fargo system automatically declined me or was it a person? I have never been declined for a credit card. I want Wells Fargo to remove the inquiry from my credit file and I will apply with a more reputable company.

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 2020-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Inflection.com, Inc.
State: WY

Complaint narrative:
Inflection XXXX XXXX product offered by Inflection Risk Solutions , LLC. Decision.and request made by XXXX XXXX. 

To quote the email I received : Thank you for your request to make a reservation or activate a listing using XXXX platform. We have now completed an evaluation of your XXXX  account, which included a consumer report generated using the Inflection XXXX  XXXX  product offered by Inflection Risk Solutions , LLC. 
And XXXX XXXX. 

We regret to inform you that, at this time, XXXX, XXXX has made the determination to permanently deactivate your account due, at least in part, to the following information contained in that consumer report : - Criminal Records Match Inflection XXXX  XXXX  provided information used to make this determination and took no part in making the decision to decline your application, and can not explain why the decision was made.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX I paid the total balance of {$1600.00} on my credit card account. The billing cycle was for XXXX thru XXXX. My payment due date was XXXX. In XX/XX/2020 I received a billing statement for XXXX thru XXXX with a balance for interest charges of {$9.00}. No purchases were charged to this account after pay off had been made. How can I be charged interest on a XXXX  balance? I tried to resolve per telephone call. The rep I spoke with, put me on hold 3 times to consult with other, and I was repeatedly told the charge could not be waived or voided. This account is with CAPITAL ONE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25 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: CA

Complaint narrative:
I've spoken to equifax about these unauthorized inquiries from XX/XX/XXXX, XXXX and XXXX of XXXX and also XX/XX/XXXX on my credit report 3 times, and they refuse to remove them. There is also a duplicate inquiry from XX/XX/XXXX that I tried to tell them about today, XX/XX/XXXX, and They are trying to tell me that they are factual based when I know that I'm not the one who authorized them. I reached out to each company as of XX/XX/XXXX and they asked me have I put in any applications online and advised them that I had not. They said they were checking their systems and neither of them had any record of why there would be any inquiry as i do not have any new or open accounts nor applications on file with them. They advised me to reach out to equifax because it could be a " promotional '' error and so I gave them a call and they refuse to assist me telling me there is nothing they can do. If this is not the case of an error then equifax is allowing fraudulent activities to occur on my credit file and improperly selling my information to people without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. LVNV Funding LLC has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from XXXX XXXX dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that LVNV is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much LVNV bought this account for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/2020 I disputed the accuracy and completeness of information reported by XXXX in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
XX/XX/2020 I Notified XXXX  that XXXX XXXX  was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an XXXX XXXX. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.

Company response to consumer: Closed with explanation