vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 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: Midwest Recovery Systems
State: MI

Complaint narrative:
amount {$1000.00} I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have the right to demand to see a signed contract between Midwest Recovery Systems and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: FL

Complaint narrative:
I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

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 2018-02-14 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: FL

Complaint narrative:
I called XXXX XXXX and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX is showing late on my Equifax report. I disputed those two months with XXXX XXXX. XXXX XXXX waived the months of XX/XX/XXXX and XX/XX/XXXX per a good will letter due to my health to paid as agreed. The updated letter was sent to all three credit bureaus. XXXX and XXXX followed suit and updated my credit report. However, Equifax did not as they normally do not update accurately again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
amount {$1000.00} I have never done business with XXXX XXXX XXXX. I do not have a signed contract with XXXX XXXX XXXX. I have the right to demand to see a signed contract between XXXX XXXX XXXX and myself

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Re : XXXX American Express Sir/Madam : I am writing to seek help to resolve a fraud claim that is equivalent to {$11000.00} which is a great amount of loss to me financially. On top of that, my credit rating is affected when my XXXX American Express account was closed.

I strongly feel that the handling of this case is very unfair to me based on the following : 1. I am not provided written proof of purchases or explanation as concrete basis of why my fraud claim was denied. The proof of purchases that should have been provided will show that I did not sign on the credit card charge slip of the expensive items purchased.

2. Without being provided this concrete evidence, I feel discriminated when after I exercised my rights to file a fraud claim, XXXX American Express closed my account, denied me credit and forwarded my account to collection department.

3. I have filed a previous fraud claim but in the letter ( see attached ) denying my fraud claim it is indicated that the decision was based on account history and notes and not on concrete proofs establishing the responsibility for the fraudulent purchases.

4. I feel it will be unfair for XXXX American Express to collect the above mentioned amount and any related finance charges because of failure to present the requirements of a thorough investigation.

5. I have been a loyal XXXX American Express credit card holder for a very long time and I am proud to claim that I am in good standing, always paying on time.

I will very much appreciate your help for a reconsideration to reverse the decision made and restore my account status.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
On XX/XX/XXXX I paid {$190.00} in escrow shortage to keep my monthly payment unchanged. It was applied to my principle instead, which I discovered on XX/XX/XXXX when the lender demanded I pay more each month to cover the shortage. On XX/XX/XXXX, I spoke to a Sr. Resolution Specialist who promised to fix the error in 5-7 business days. On XX/XX/XXXX, I got a call from the lender 's collection department. A check of my account showed that I was nearly {$3000.00} in arrears! I have never been late with a payment in the almost 3 years I have had the mortgage. I could also see that I was being charged {$37.00} for advances and fees. Since then, I have spoken or chatted online with 7 other people, all of whom are polite and apologetic and promise that 1 ) my account is being worked on, 2 ) I am not in arrears, 3 ) the {$37.00} is being removed, and 4 ) my credit will not be affected by this. On XX/XX/XXXX, the lender reported me to the credit agencies and my score has been reduced from XXXX ( excellent ) to XXXX ( fair ). This week, I have received 2 notices, one offering a " payment reduction '' so I can get " caught up '' and the other threatening foreclosure. I can not get the lender to fix my account. They promise everything and deliver nothing. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have previously tried submitting a complaint with this company.. XXXX XXXX was the original creditor. The amount on the alleged account is {$730.00} dollars. I C system has finally decided to respond only to say that they aren't the ones who brought the account although let XXXX XXXX says the original creditor was XXXX, yet the account is with them and they, ( I C system ) are the ones trying to collect this alleged debt.

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
When I was XXXX i opened my first credit card at XXXX 's. I was XXXX young and stupid and let it go to collections those calls were coming to my parents house and my dad paid off the debt. I had to work that money off so I know he paid off the debt it was around {$300.00}. Never removed from my credit. Fast foward what seems l ike 10 years because i am not XXXX it is still on my credit. That right there is reason it shouldnt be on my credit report anymore. The limit is 7 years. So it should be cleared just because of that and it was paid ... I call XXXX/XXXX is what it is listed on my credit report as credit report number XXXX ( equifax ) to just pay whatever they say i owe, the lady refused any payment frusterated i hung up. I called yesterday to get my account numbers i could file a claim to equifax the new person then refuses to give it to me saying its on my credit report and they can comfirm the last 4 digits.. its not on my credit report but ok. I filed a disput with equifax and havent heard anything back. I dont know what they or XXXX wants me to do. At this point its completely unfair to be on my credit. It was already paid, it's almost over 10 years ago, I try to pay it they refuse, I try to get my account number they refuse what do you want me to do. I cant report anything to the Attorney general or other higher fraud places because they wont give me an account number. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I bought what I thought was a pre-paid card for my niece XX/XX/2016 for a XXXX gift. She tried to activate the card, but was unsuccessfull, so I had her send the card back to me. The card is from NetSpend.  I tried to activate the card myself, but they wanted her SS #. I finally got her SS # and tried to activate the card. When I call the number, the computer says there is no account. I finally emailed the company and today they called me. They wanted lots of information from me including my SS #. The original amount was {$200.00} on the card. They tell me now it's {$130.00} due to fees. This seems illegal to me. My understanding is you can't just arbitrarily charge fees. I wouldn't give them my SS # and told them to send a check for the balance to my home. They said it would take 6 to 10 business days to get the check. I don't know if I will ever see the money, but I would really like to know how NetSpend is able to charge {$65.00} to hold on to my money for a little over a year. My guess is there are many people being taken by this company. At the grocery store where I bought the card, it looks like an ordinary XXXX cash card, which I have bought before with no trouble. There is nothing about activating the card or ongoing fees. I paid the usual small fee for the card and had no idea there would be anything other than just using the card as a XXXX card. NetSpend seems like a scam. Thanks for your help!

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 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
i have sent trans union numerous of disputes about an inquiry XXXX XXXX XXXX XX/XX/2017 and after all these letters I have sent they have still refused to removed the inaccurate inquiry off my credit report. Trans union has continue to violate fcra and I want to seek damages and cost for that violations. I ask that your company file complaint and seek to mitigate my damages ... I want trans union to send me copies of said inquiry with my signature and authorization and if they can not please remove it from my 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 explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP
State: PA

Complaint narrative:
Pennsylvania Department of Labor & Industry made a payment of {$490.00} on XX/XX/XXXX to my XXXX   XXXX XXXX XXXX XXXX in the Name of XXXX XXXX XXXX. Funds as of XX/XX/XXXX have not been posted. When I contacted US Bank advised they will not tell me 1 ) if and when funds actually received and 2 ) when the funds will be posted to my card thus making them available to me. 

Additional concern is US Banks hold the funds in their account and delay in posting to account holder.

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 2018-02-14 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: PA

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXX I applied for online offer ( see attachment # 1 ) from American Express for an AMEX SPG credit card that would reward you with XXXX SPG ( Starwod Preferred Guest ) ponts, if you spent {$3000.00} within the first 3 months and an additional XXXX SPG points if you spent an additional {$2000.00} within the first 6 months. My application was approved and I was issued an SPG AMEX card ending in # XXXX. I did spend {$5000.00} within the first 6 months as advertised and I called AMEX to find out when I would receive my XXXX SPG bonus points? The AMEX rep advised that I needed to wait another 1-2 billing periods. I called back again in XX/XX/XXXX and was advised that I did not qualify for the promotion because I had an AMEX card 3 years before. On XX/XX/XXXX, I sent an email to the CEO of AMEX, XXXX XXXX, ( attachment # 2 ), explaining my disappointment with the marketing of the AMEX SPG card, as AMEX had all the information on my prior AMEX cards before approving my application for this offer, so I assumed I was approved for the AMEX card and the offer. If I had not been approved for this card, I could have applied for an AMEX SPG Business card or to a competitor 's promotional offer, rather than spending {$5000.00} with AMEX. I received a response from XXXX XXXX 's office ( attachment # 4 ) echoing the explanation given by the AMEX rep. On XX/XX/XXXX ( attachment # 3 ), I sent another email to XXXX XXXX ( Assistant to XXXX XXXX ) of AMEX, detailing why I felt that offer was deceptive or misleading and deprived me of fulfilling a promotional offer from another credit card company and AMEX 's email repeated the same response as their prior email ( Att. # 4 ) I then forwarded my complaint to the Consumer Protection Bureau of the PA Attorney General 's Office ( attachment # 5 ) .and in XX/XX/XXXX I was advised they could not resolve my complaint with AMEX ( attachment # 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: IL

Complaint narrative:
I previously sent two requests for validation of the debt. Never got an answer from Phoenix Financial. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. The date of my accident was in early XX/XX/XXXX ... they are trying to show a date opened of XX/XX/XXXX when they apparently bought this debt from some other collection collection. I believe that Statute of Limitations for this matter has already expired and the entire amount is no longer collectible and should not be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
NAVIENT HAS NO ANSWERS FOR ME REGARDING MY LOANS! I beleive there is deceptive practices occurring and I have exhausted all efforts to get information. I am paying all interest at this point as the initial loan ( s ) amount has been paid. Further more every month they report an increase to the credit bureaus when in fact I am paying every month and my balance is going down.

I pay {$95.00} a month for 4 loans and every month from the credit bureaus I get info that my balance has increased not decreased. 

This is the info I receive : It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
BetweenXX/XX/XXXX and XX/XX/, your NAVIENT student loan account balance increased by {$1000.00} from {$690.00} to {$1700.00}. 


Additionally I was placed and released on a forbearance program of which I have had no knowledge of and incurred missed payments derogatory marks which they will not clear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have an outstanding credit card debt with wells fargo ( XXXX ), and I am trying to settle ( dont have enough, nor foresee a point that I will have enough, to pay the debt in full ). I have had this debt since XX/XX/2016. 

Wells Fargo refuses to negotiate settlement terms ( must pay 60 % ). Other banks negotiate these terms, or at least offer less than 60 %. 

The degree to which settling the debt will impact my credit score is significant, such that 60 % is not worth the settlement. However, there is no way I could pay the full amount. 

The credit card ( XXXX $ limit ) was issued when I was XXXX, had no job, and was paying for college ( through wells fargo loans ). 

I feel their tactics in getting me hooked ( and forever in debt ) are predatory. I am trying to get myself on my feet again, and there is no help from wells fargo.

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 2018-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. 

Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.

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 2018-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Center, LLC
State: FL

Complaint narrative:
I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Have tried too many numerous times to get my credit report on line to no avail, they say information doesn't match have mailed and faxed also my identity proof two times and have even talked on the phone but didn't help. They had wrong birth year but the said they corrected it but I don't know if that is true because I haven't seen my credit report and what other things of information could be wrong. I also have seen hundreds of others have same issue as me

Company response to consumer: Closed with explanation