vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American express business made an unauthorized hard inquiry on my personal credit report. Additionally, to add insult to injury they denied me credit based on fraudulent and libelous information by way of reports that have not been verified, validated, and/or are outdated. They also took access of my personal information and forward it to a third party company. Please instruct XXXXn to immediately removed all unverified reporting information and have Amex correct any and all decisions made based on those unlawful reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They call me at all times of the day and night. They even call me at my work place harassing me. Telling me different things and not telling who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
In XX/XX/XXXX, I filed to recertify my student loan payment. My husband and I filed separate XXXX returns and I deliberately waited until they were processed before filing the recertification. I requested XXXX to review the tax information provided by the IRS transfer tool and switch me to the lowest payment plan ( this was confirmed by the agent ). However, when they re-certified it, they didn't switch the plan and they re-certified it at a higher payment. When I called to ask what they were doing, initially the agent told me it was because I had " access '' to my husband 's income! I know that's not true and I asked her when they decided that was a factor. Then she came back and said that unless I specifically told them to put me on the IBR ( which would have excluded my husband 's income ) their version of switching me to the lowest payment plan was to keep me on the same payment plan. Then she told me I needed to apply all over again but tell them specifically which plan I wanted or they would just leave me on the REPAYE. Since when do they just make up the rules about which plan they want me to have and ignore my requests or the law which says not to include my spouse 's income if we file separately? What if I literally had no knowledge of how this works and just accepted it? I'm sure there are many people that do not know how the payment plan options work and would have just accepted it. I plan to call back and request a supervisor who will hopefully be able to help me without me having to wait another month for a proper revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
XX/XX/XXXX Please refer to my previous complaint # XXXX against XXXX XXXX. 
XXXX XXXX over charged me twice the value of the XXXX XXXX XXXX XXXX-12 year old car with high mileage. 
I want a refund. {$280.00} x 10 payments= {$2800.00} plus {$1600.00} down payment is {$4400.00}. I have paid and over paid for the car is not fully loaded and no full tank of gas. 
The car is only worth {$4300.00} for fully loaded on XX/XX/XXXX. 
I want a re-write of the car loan at a lower rate of interest.

Auto Dealer fraud. Unfair business practices. I have been robbed.

The car loan is invalid. 
I have not heard from the dealer. Dealer has not responded to the AZ Attorney General. 
Please read attached.

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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MI

Complaint narrative:
XXXX was closed without documentation submitted by XXXX XXXX reviewed. Close review of documentation submitted by XXXX XXXX to CFPB shows information was submitted for someone with the last name XXXX, a submitted Lease containing multiple leasees ' which was voided by XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/2017, two different apartment numbers ... one in the Lease and another on the Statement, no payment information showing dates and amounts of rental payments as well as the last date of payment. This is why court documentation and a court judgment confirming the accuracy of the reported debt has been requested. XXXX XXXX refuses to substantiate the debt with legal court documents. I am requesting again that XXXX XXXX provided court documentation and a court judgment to substantiate the reported debt. Submitted documentation by XXXX XXXX confirms the act of merging information from other accounts to confirm the reported debt. Legal court documentation and court judgments will confirm the debt and should be provided to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: NY

Complaint narrative:
XX/XX/2019 I received an alert from Experian that my credit score had dropped 6 points without any explanation. I have had no negative activity in years. I looked at he report and it suddenly showed 2 negative marks - both from over 6 years ago but suddenly reported as current. XXXX XXXX and XXXX XXXXXXXX XXXX I disputed both corporation 's information on XXXX XX/XX/2019 I received a notice the disputes had been resolved. Nothing changed, but my credit score immediately dropped another 20 points! There had been no other intervening activity on my report. Consequently my score dropped 20 points simply because I disputed to claims. This is illegal. I called a second time to dispute this entire process. The customer care contacted XXXX XXXX and that was determined to by inaccurate information and was removed, but my credit score did not change! They lowered my score based on inaccurate information and when the information was corrected they failed to return the score to its previous state. The supervisor failed o address my question gave me nothing but bureaucratic circular reasoning and hung up the phone, She refused to provided her name. I spoke to her on XXXX/XXXX/209 at XXXX PM est. Experian is failing to report accuate information,. dropping my score without explanation or reason based on disputes which were in one case verified. They are preventing me for obtaining credit necessary for my livelihood. I intend to bring a court case against if this is not resolved.

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 2019-04-02 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: CA

Complaint narrative:
On XXXX, American Express sent me a promotion over email : Special Offer for XXXX : ... Special Offer for XXXX points .... 

On XXXX, I clicked the invitation link inside that email, confirmed the promotion displayed on the application page : earn XXXX membership rewards points after you use your new card to make {$5000.00} in purchases in your first 3 months. Immediately after submission, I got approved on this Amex platinum card. 

On XXXX, I received my new card over mail ; I called to activate and confirm the promotion on my new card. I was told by customer representative that there is no such promotion on my new card even after I provided the RSVP code and POID sent by American Express directly to me. Please find the attachment for the original invitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: NJ

Complaint narrative:
Trans Union is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is continued follow-up and documentation re : complaint XXXX. 
American Express applied a penalty APR of 29.99 % to my Business Blue account. They claim I missed a payment in XX/XX/XXXX and thus it was applied, and they will review in 12 months. First, this is not correct. On XX/XX/XXXX, I made a XX/XX/XXXX payment of {$1500.00}, and on XX/XX/XXXX, I paid the XX/XX/XXXX bill early, making another payment of {$2800.00} on that date : this was an early payment for XXXX. The XX/XX/XXXX payment of {$500.00} was the XX/XX/XXXX payment. I was charged a penalty APR of 29.99 % for over a year because American Express was confused over an early payment. I also want to know what CFPB 's role is in helping with credit card fraud. This is the agency tasked with protecting consumers, and I intend to pursue action with a lawyer. This is how egregious conducting business with credit card companies has become : I have been a customer of theirs since XXXX ( both Business Blue and American Express Platinum ) and *never* missed a payment. In addition, according to Amex, whom is inaccurate in their response, 1 ) they charged the penalty APR of 29.99 % because I was ( according to them but incorrectly ) 6 days late with a payment ( after 20 years of no missed payments - ever ), and 2 ) they can apply the penalty APR of 29.99 % for over 12 months. According to the Credit Act of 2009, the penalty APR of 29.99 % can not be applied until after 60 days of late payment ; and 2 ) the penalty rate must be removed after 6 months. So, on all fronts, American Express is incorrect. What is the role of CFPB in helping consumers with this injustice?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
InXX/XX/2016,IwastoldbyacarlotownerthatIwasnotgoingtobethecosignerbutatemporaryco-signerforapproximately30dayswhichwould'vebeenaftermydaughterhadproducedapaycheckfromhernewjobbyXXXXXXXXofXXXX,VA.Theowner/carsalesmantoldushewouldtakemynameofftheloanandthecarwouldonlybeinhername.Theownersaidhewouldnotturntheaccountovertoacarfinancialagencyandkeeptheaccountasin-housefinancing.IaskedifIcouldgetthisinwritingandhestatedthatIcouldtrusthim.Whenmydaughtergothercheckandpresentedittohimhehadexcusesastowhyhecouldn'tputitinhernameonly.Duringthistimehedidn'tinformherthathetransferredtheaccounttoacarfinanceagency.Aftermorethantenattemptstoincludepopupvisitsatthecarlotandphonecallswewereunabletoreachtheowner/salesman.Approximately18monthslaterIreceivecallfromUSAutoCreditstatingthatmycarpaymentislate.IinformedthemIhadnoacknowledgedthatmyaccountwastransferredtothemandtoldthemwhatwasgoingon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
To whom it may concern, I, XXXX XXXX have a credit issue I'd like to fix. I have contacted XXXX   numerous times and have gotten different responses each time. I am a stay at home mom, with a XXXX year old who homeschools my children, as well as help my grand parents get their needs met. I was unaware I had to apply monthly, or tri-monthly. One rep said today XX/XX/19 I had to apply monthly, and the other said every 3 months. I was unaware the policies changed. I had spoken to another rep in the beggining of XXXX and he told me I was fine and to not worry and that they would dispute my credit problems. Then today was turned down. As you can see the confusion and miscommunication I'm dealing with esp with all of the sudden recieving a bill. Which once was recieved it was too late, my credit score dropped tremendously over my XXXX. I need help. I keep getting told different things and all because of miscommunication on their end my credit sucks.its upsetting and discouraging. Please help. My contact is ( XXXX ) XXXX or you may email me at XXXX. Any help is highly appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: CA

Complaint narrative:
it has been almost one year I am dealing with Equifax, they refuse to remove fraudulent information from my report. I sent the Police Report also FTC report, but they don't remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XX/XX/2018, my Capital One account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for Capital One to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Called on XX/XX/XXXX # 1 ) XXXX XXXX Customer Service XXXX to Dispute a charge of $ XXXXas Merchant XXXX XXXX went Out of Business. The same Day filed a Dispute with # 2 )  XXXX XXXX XXXX about Two Charges {$250.00} & {$79.00} & both has been Resolved & Credited to my Accounts as of today XX/XX/XXXX by XXXX. 
# 2 ) Synchrony Bank of XXXX XXXX has not Acknowledged or Recognized My Dispute of {$270.00} & this Bill has already been Paid on or before XX/XX/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 2019-04-02 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: NJ

Complaint narrative:
XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )

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 2019-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Twice in 2018 Lowes charged me a late fee on payments electronically delivered to them a week prior to the due date ( they are on auto-pay ). They also billed me interest on in-store purchases that were paid off 5 minutes later with a cash transaction. I called in XXXX of 2018 and they said my account wasn't properly coded, but they fixed it so I was all set. The issue remained so I called back in XXXX of 2018 and again it " wasn't properly coded ''. Both times I was told I'd be credited back for interest improperly billed / the late fees I was billed. No credits were applied to my account for either of these issues. 

Another complaint, this is a Lowes Project Loan and Lowes abandoned the job. I am being charged interest on a job they abandoned.

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 2019-04-02 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Never missed a payment and CHASE BANK took away XXXX air miles worth about {$4000.00} to {$5000.00} dollars. To help from anybody, they just don't care. 

Sent letter with all information to Chase Bank, XXXX XXXX ; CEO - XXXX XXXX, Board of Directors XXXX XXXX XXXX, Board of Directors XXXX XXXX - Customer service Manager

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: EAST WEST BANK
State: GA

Complaint narrative:
This company has changed the closing date 4 times now. Each time it was something different at the last minute of the deadline. They ordered the Appraisal 1 week before closing, then when a rebuttal was requested they completed it off of an incorrect address delaying the process 3 more days and they always wait till Friday to advise you of something they need. I have been VERY Agile when EWB needed something. While all other parties have worked due diligence in the appropriate time, EWB has dragged their feet and been very sloppy in their diligence. I have moved things wasting money based on information they have provided for me and now I was supposed to close XX/XX/XXXX just needing to sign CD on today, I haven't heard anything from them so I called and now Loan processor tells me something new, that the QC dept has to approve now, when he said a week ago that all was needed was for the UW to sign off on it, so now I haven't received and its COB for me meaning the 3 day period wont be Friday or who knows when being that they won't give me adequate answers. Their negligence has cost me tremendously and having to live out of boxes, my car and severely inconvenienced me, WHAT ARE THEY EVEN GOING TO DO TO RECOMPENSE FOR THE ERRORS THEY KEEP performing? I asked to speak to a manager today, XXXX comes back with a name and number ( XXXX ) that they never answered the phone after several attempts. I need something done immediately, cause if I wasn't in compliance id lose my money. I WANT RESTITUTION,

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 2019-04-02 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: OK

Complaint narrative:
This is to notify the Bureau of a letter I, XXXX XXXX, received from XXXX XXXX XXXX dated XXXX. XXXX, 2019 advising that a request for an increase in credit limit based on credit reporting info. from Trans Union had been denied. My problem is two fold : 1. I, XXXX XXXX did not ask for an increase in credit limit. I have since contacted XXXX XXXX XXXX who advised me that someone had fraudulently made that request online. Every time someone makes an inquiry about an individual credit, it lowers their score. Problem 2.  Trans Union and other credit reporting agencies are assigning credit scores based on fraudulent information. They and other agencies need to make sure the information they're basing an individual credit score is based on information that came directly from the customer and not someone who is evidently trying to commit credit card fraud. My credit score has plummeted from XXXX to XXXX in the last few months and it has to be because of activities by people other than myself. Why would my score go down so dramatically in just a few months when I have all the same accounts, they're all current, paid ahead of the due date, and I usually pay more than just the minimum payment that is required. I guess my biggest question is why is Trans Union and others allowed to report adverse information on people based on fraudulent information???

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