vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-22 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: UT

Complaint narrative:
This account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian report.

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 2017-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX, who used XXXX XXXX, and then is using Law Offices Blatt, Hasenmiller, Leibsker & Moore - who continue collection actions after a debt has been discharged by the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as XXXX XXXX are prohibited from attempting to collect the debt from me since I share 50 of the marital property, both presently and acquired in the future. Even after XXXX has received many notices, and a notice from XXXX and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I disputed this account with XXXX XXXX/ XXXX XXXX 3 times wtih all 3 credit agency 's. This account is not mine and I request proof of the debt. I never received any proof of the debt or response. This account should not still be reporting on my credit.

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 2017-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
This debt is not mine. I explained this to XXXX XXXX and Midland Funding and now an attorney they got involved. This was due to fraud. I disputed this with them as well as the credit agency 's. I explained the fraud as well as asked for validation of the debt. It has been well over 3 months since I started disputing and no proof mailed in yet and this is still reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-22 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:
I applied XXXX XXXX card on XX/XX/2017, and I used their XXXX+XXXX limited offer which ended in XX/XX/XXXX. I  already spent more than {$5000.00} within the first three months. But I only got the XXXX base offer. I tried to argue with Amex and failed. But I have no proof that I used this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I applied for a Chase British Airways card and was approved. I used the card over the next month and charged about {$5500.00} on a {$7000.00} credit line. I paid {$3400.00} toward my balance within 20 days of having the card, to earn British Airways travel miles. On XX/XX/XXXX, I applied for a Chase AARP card and was approved for a credit line of {$4500.00}. On XX/XX/XXXX Chase closed both accounts. Citing my efforts to rebuild my credit and had opened several accounts recently. Chase had full knowlegde of my new accounts when they pulled my XXXX Credit Reports both times, but yet approved me. On XX/XX/XXXX, Chase reported both accounts to all three credit rating bureau as " Closed by XXXX XXXX ''. This has had a significant negative impact on my credit scores as a result. My scores with XXXX have fallen from XXXX to XXXX in less two weeks from the time of the Chase reporting. I did nothing wrong with these accounts and now I will have this negative mark on my credit reports for the next seven years. Furthermore, I had not even received the Chase AARP before the account was closed. Because of the irresponsible actions by Chase, I am the one paying a hefty price when I did NOTHING WRONG, and this will effect my ability to get credit for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi Checking and a Citi DoubleCash ( credit card ). I instructed Citi DoubleCash to pay off my credit card using my Citi Checking on X/XX/2017. Citi DoubleCash informed me that it withdrew the funds from Citi Checking on X/XX/2017 ( Citi rep confirmed it in a written chat conversation on XX/XX/XXXX ). However, on X/XX/2017 my Citi Checking did not show that the transaction took place on XXXX/XXXX/XXXX ( also it did not show that that the transaction was " pending '' / " in progress '' / " scheduled '' ). When on X/XX/2017 I asked a Citi Checking rep, how much money I had on the account, she  stated that it was {$11000.00} ( which did not reflect the {$4000.00} payment that was already transferred to my Citi DoubleCash a day earlier ).
I asked the rep what would happen if I relied on the information provided to me by Citi Checking that on XX/XX/XXXX I had {$11000.00}. What if on X/XX/2017 I withdrew {$8000.00} from the account, and a few days later Citi Checking informed me that at the time of withdrawing {$8000.00} I had not {$11000.00} but {$7000.00} on my account because Citi DoubleCash withdrew {$4000.00} on X/XX/2017. The rep  informed me that I would be charged an overdraft fee and that the fee would not be waived.

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 2017-07-22 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: DISCOVER BANK
State: NY

Complaint narrative:
X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to Discovers inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. Discover reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is Discover 's error that caused this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I paid $ 50k approximately for a used rental XXXX XXXX ; that is only reported being sold as $ XXXX ... Apparently the maintenance and detail purposely ruin the vehicle even more based off my readings and personal experience. Now after three days in the shop, they 've destroyed my interior, exterior, and engine! The interior they replaced the mats with older ones, stained them, stained the inside AND EVEN PULLED THE LEATHER!! I 'm the only person that sits in this car, there 's no way that just happened! The exterior now has numerous scratches that were not there! AND THE ENGINE NOW MAKES NOISE!! XXXX EQUALS FRAUD ABUSE AND WASTE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: MA

Complaint narrative:
I allowed for an auto loan at XXXX XXXX on XXXX XXXX 2017. I told them I only authorized their inhouse FI  to do XXXX inquiry on my credit report. I have since had XXXX hard inquiries. I 'm confused because my sales receipt states my FI constates I am with XXXX XXXX although I told them I allowed them XXXX inquiry they told my it was included in the XXXX credit check they ran. I received a letter today that states- XXXX XXXX  was NOT agreeable to the handling of the proposed transaction. Due to the report from the credit agency. XXXX Score XXXX. - due to Inquiries ( there were none prior to coming in that morning ) but no derogatory information found. SAGESTREAM LLC- score XXXX - due to no of inquiries Inquired did adversely affect score I have never heard of " SAGESTREAM LLc '' Credit Bureau '' so I looked them up. It said they are being investigated for giving low scores by auto financiers in order to give higher Financing Rates! '' Now- of this is the case- why is that the co I 'm told is the bank I 'm FI through- and got ANOTHER letter that stated " upon review, it was determined information was omitted " ... ... ... what is the scam that is going on. ... ... who is SAGESTREAM LLC credit Bureau and I want all of these hard inquiries taken off of my credit report, and this rediculious interest rate lowered NOW!

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 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had been a customer of XXXX XXXX and on XXXX XXXX, 2017, I received a welcome letter from XXXX XXXX  as my loan was service transferred. I had been current on my payments with XXXX XXXX. When I found out about the service transfer, I called Regions bank to make a payment ; however, the representative stated that my loan had not boarded their system and that I would need to wait until I received a welcome letter. They also reassured me that I would not get charged any late fees. I would also informed not to make payments to my prior service ( XXXX ). Thus, I stopped my automatic monthly auto drafts to XXXX as I was going to setup automatic auto draft payments to Regions once the loan was boarded into their system. On XXXX XXXX, 2017, I received my first billing statement from Regions. The billing statement showed amounts owed for two payments ( XX/XX/XXXX and XX/XX/XXXX ). However, they also are charging me a NSF fee for {$30.00}, and there is no explanation for this fee. The {$30.00} fee makes no sense as my loan was transferred and I was not able to make payment arrangements to Regions. This is a poor way to welcome a new customer and is a deceiving practice and does not sound legally right. Please help in this matter. thanks 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 monetary relief
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for a new American Express Gold Skymiles credit card on XX/XX/XXXX. There was a promotion going on at that time ( XX/XX/XXXX/XX/XX/XXXX ) that stated if I spent over {$1000.00} in a 3 month period, I would receive XXXX points. I completed these requirements. However, I noticed I was n't getting the bonus points showing up in my statements after completing American Express requirements. I contacted Customer Service a couple of times but was n't able to get this credited. I also sent a letter to their Customer Care and Billing Inquires on XX/XX/XXXX outlining my concerns. I recd. a response dated XX/XX/XXXX denying my request to credit my account with XXXX points Dispute Reference # XXXX. ( Note -- I did have this same card several years ago -- Opened on XX/XX/XXXX and ended up closing on XX/XX/XXXX ). The reason basically given for not awarding me the XXXX points was I had this card previously and was not eligible for the bonus points. American Express indicated that per the Terms and Conditions of the Gold Delta SkyMiles application process, I am not eligible to receive this offer again. I have gone back through this application process at the time I applied ( XX/XX/XXXX ) and there was no Upfront notice that I would not be eligible. I have seen later promotional  advertisements on internet from A.E. on this program that does mention not being eligible for this offer if you 've had it before. However, that did not occur in my case. Had the promotional offer I signed up for on XX/XX/XXXX clearly stated I would not be eligible, I would not have signed up for this card. I feel like I lived up to my part of the Contract and American Express has not. I am aware of some other individuals who signed up for this very same card about the same time as I did and some received XXXX points and they also had previously signed up for this same card and promotion a year or two previously. Something is n't right here. If American Express was more Upfront in their Disclosures, I could accept that, but that was not the case. I feel like this Promotional offer was something like a Bait and Switch Operation. I understand most people would not spend the time to complain about a rather minor issue but I do n't like any organization taking Advantage of me and therefore I request you consider this complaint and act accordingly. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: SC

Complaint narrative:
TransUnion is reporting a bankruptcy as a public record on my credit report. I have a letter from the US Bankruptcy Court, XXXX XXXX XXXX, dated XX/XX/XXXX.
It states that the court does not report the records of this court to any credit reporting agency. As this record would contain personal information such as my social security number, it is not reported.
On XX/XX/XXXX I sent a certified letter to TransUnion disputing the public record of bankruptcy that they are reporting. I provided a copy of the above letter from the US Bankruptcy Court and advised them that they could not have verified the public record as the court does not provide social security numbers.
On XX/XX/XXXX I received a response from TransUnion stating they have completed their investigation and that the public record had been " verified as accurate ''.

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 2017-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused 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 2017-07-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX, 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement datedXX/XX/XXXX. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to XXXX  inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. XXXX reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is XXXX XXXX error that caused 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 2017-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Latest call on my cell phone from XXXX ( Midland Credit of Michigan, although their XXXX XXXX is in XXXX XXXX, CA ) on XXXX XXXX, 2017 looking for someone not related to me as usual. Many calls are " hang-ups '' and never a message is left. Other calls come to my home phone. I am not a research service willing to give any debt collector any information about myself or anyone I may or may not know. I 'm certain that just a call back to direct them never to call me again will result in my phone number being added to their database and sold by them to databases all over the country. There is precious little federal protection from this sort of data theft. Such calls, where the caller KNOWS you are not the person for whom they are searching are harassing, hurtful and unethical. When these mountebanks call you, ignore them, NEVER give them ANY information and report them immediately to the BBB and sites like complaint.consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
my mother passed away and the mortgage company stopped accepting the mortgage payments and are trying to foreclose on the property and the property is deeded to me and the deed is filed and on record and are not willing to work with me as far as a loan modification or letting pay off the loan.

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