vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: TX

Complaint narrative:
XX/XX/XXXX American Express closed my account without warning while under dispute due to the result of a severe case of identity theft I suffered and which had been reported. I provided American Express with a lengthy document outlining their adverse actions which were based on fraudulent information. I never received a reply to this certified document submitted on XX/XX/XXXX. The reasons given for account closure by American Express were due to my suddenly decreased credit score which was due to fraudulent information being reported by XXXX in response to credit card fraud.

After my accounts were closed, I received correspondence from American Express as well as verbal acknowledgment on several recorded phone conversations that my rewards points would be cashed out and applied to my remaining balance as long as the account was current. I consistently made payments to equal to the balance minus the disputed billing errors which should not have been held responsible for. Despite the account being held current the rewards points were never applied to the balance. Additionally, American Express closed out the billing errors being disputed stating I failed to provide the requested documentation. This statement, however, was inaccurate as I provided all the requested documentation when initially filing the dispute. These documents, despite being uploaded directly through the American express portal seem to have been consistently lost by the billing dispute agents working the case.

The balance on my Amex platinum card has been paid in full and never past due or delinquent with the exception of the amount in dispute. I even paid the balance which should have been removed by the redemption of my rewards points.

To summarize, American Express has taken adverse action based on fraudulent information resulting from reported and documented identity theft which has almost all been corrected. They were notified of the identity theft via certified letter which was never responded to and even closed an account in dispute in violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX I was involved in Chapter XXXX  Bankruptcy which required a notice of bankruptcy to be provided to all existing creditors. Upon dissemination of the notice some creditors took immediate action and closed my existing account. Since the bankruptcy involved a commercial loan and not my personal credit or loans I had every intention to pay any existing obligation as agreed. On the store card in question with XXXX  there was no existing balance and I continued to use the card and pay any existing balance on the statement. The Bankruptcy was closed in XX/XX/XXXX and a schedule to pay the commercial lender was established and all other existing creditors were reaffirmed and paid as agreed including XXXX. In XX/XX/XXXX XXXX   arbitrarily closed my account due my bankruptcy which was closed since XX/XX/XXXX. This action has become to sole reason for rejection of my credit application with XXXX XXXX XXXX, stating that XXXX XXXX  action has started the bankruptcy clock all over again so instead of being over 48 months since the close of the bankruptcy I am less than year per XXXX XXXX XXXX 's policy. I owe no money to XXXX I was never late with any payment to XXXX. If XXXX  wished to close my account or report in in bankruptcy they need to report while the bankruptcy was open not after it has been closed for 4 yrs. This action adversely effecting my ability to obtain credit. It is a violation of the bankruptcy code for any party to report/take adverse action after the bankruptcy is closed. This action by XXXX   is unfair and is the direct cause of creating an unfair and harmful financial decision by a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: OH

Complaint narrative:
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review. 
My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my o

f my Risk View Disclosure report for my own review. My name is XXXX XXXX XXXX my current Em
ployer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
ON XX/XX/2018 I MADE A PAYMENT TO XXXX XXXX XXXX FOR {$430.00}. THE CONSUMER WAS SETTLED IN FULL AND IN RETURN WAS SUPPOSE TO BE REMOVED OFF MY CREDIT REPORT WITHIN 45 DAYS. IT HAS NOW BEEN ABOUT 2 MONTHS AND INSTEAD THEY JUST UPDATED MY REPORT SHOWING THAT THE ACCOUNT IS NOW CLOSED. I HAVE TRIED TWICE DISPUTING IT WITH THE CREDIT BUREAUS BUT NOTHING HAS CHANGED. THE ACCOUNT IS STILL ON MY CREDIT REPORT SHOWING CLOSED. I TRIED CONTACTING THE COMPANY AND BEEN GETTING NOTHING BUT LIES. THEY TOOK MY PAYMENT KNOWING THEY WERE NOT GOING TO REMOVE THE ACCOUNT OFF MY CREDIT REPORT. THIS HAS NOW BECOME OVERLY FRUSTRATING, WHICH I AM TRYING TO REBUILD MY CREDIT TO PURCHASE A HOME.

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 2018-05-31 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: NY

Complaint narrative:
I am writing to make a formal complaint and request that American Express honors the advertised sign-up bonus for XXXX XXXX credit card that includes one free weekend night andXXXX XXXX  XXXX XXXX points, which were not credited to my account.The details of the advertised sign on bonus are available in the screenshots of attached document.

I submitted a new application for XXXX XXXX credit card at American express website www.americanexpress.com in the beginning on XX/XX/2018 and met the spending requirements within a month. I contacted customer service via chat and phone multiple times and they told me that I was not eligible for any of the advertised bonuses because my application was processed as a product change/upgrade and not as a new application and on their end. I spent about a month talking to customer service representatives and supervisors via chat and phone with no progress and no resolution date. Every time I contact American express I deal with a new representative and have to start from scratch. I mailed a formal complaint ( attached ) to American Express corporate offices, but received no answer. Please assist. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My father, XXXX XXXX passed away in XX/XX/XXXX. My loan was previously at XXXX XXXX XXXX and sold to Carrington Mortgage Services. They changed the ownership back to my deceased father. 

I sent them a copy of my father 's death certificate. I was told I can not speak unless I have executor or small estates affidavit. In the mean time, I contacted XXXX XXXX and was told to fax my birth certificate showing that I am his son along with a password to a specific fax number. I did this. This was back in XX/XX/XXXX.

It is now XX/XX/XXXX. I still can not speak on behalf of the mortgage loan. Furthermore, there is now a financial error in my mortgage. My statement dated XX/XX/XXXX with a payment due date of XX/XX/XXXX shows that I owe XXXX as my regular payment. 

I paid this amount. The statement came dated XX/XX/XXXX with payment due date XX/XX/XXXX. Now they show I am 2 payments behind. They took my payment from LAST MONTH and put it in unapplied funds. I send the correct amount based on the statement that was sent to me, and they are now saying I have over due payment for XX/XX/XXXX Payment plus the XX/XX/XXXX Payment. I am attaching the statements for review. 

I am not allowed to speak with anyone. No one can resolve my problem. I am very, very concerned about this. Furthermore, they are EXTREMELY RUDE and wanted to slam the phone down on us when we tried to call them. The women 's name was XXXX and this is in the Customer Advocate Department. I am attaching all copies of correspondence I received and sent to them. I need help. 
I am waiting to see if I will receive a return call from XXXX XXXX, who was left a message today XX/XX/XXXX to return my call. Also, she failed to follow up on this issue. It was left unresolved and unfinished. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I made a lump sum payment to be spread equally between my loans, But only one of my loans has received the payment. I have accrued interest on the others and there for have been forced in to a payment reduction plan that adds 15 years on to my loan. I spoke to a naviant rep in 2017 about this matter. I have not heard back and he could not explain or fix my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: CA

Complaint narrative:
I contacted Paypal Extras Mastercard about the personalized merchandise I purchased from XXXX  on XX/XX/2018, that when I got home and noticed the receipt amount was overcharged I was shocked ( my bad was I signed the receipt at the counter without looking the exact the amount because I was on an important call and I trusted XXXX because they're a big name ). It was supposedly {$2000.00} something but the receipt that charged to me was a whooping {$2800.00}. I called the XXXX the next day and spoke with the manager named XXXX and she said it was an honest mistake. I am so mad and want my full refund back but she said they can only give " full store credit ''. And I said no! You guys overcharged me and you expect me to trust you? The item actually is not with me because it supposedly personalized and they will deliver it to my house in one-week which is XX/XX/2018. 

I told Paypal Extras Mastercard the whole story but after two-week Paypal charge-back the amount to me with a whooping {$2800.00}. I kept explaining them that the item is not even delivered to me, I felt like my Credit Card which is Paypal not protecting their customer because I told them- I am DISSATISFIED with the XXXX XXXX, OVERCHARGED me, and the item is not in my hand. I don't wan na pay it because how do you expect someone to pay the OVERCHARGED? DISSATISFIED of their service? 
Please help me because this is really so stressful, I am suffering emotional stress, anxiety and sleep less at night. 

Thank you so much.

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 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX I took out a mortgage with XXXX XXXX XXXX XXXX for the amount of {$340000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise, the mortgage monthly payment and interest rate were higher than promised, and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and the inflating interest rates. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's  office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount of {$340000.00} which is about {$3200.00} from the original mortgage 7 years earlier but I had already paid about {$130000.00}. How is that possible?

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 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I received a call from a sales person from XXXX to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my XXXX credit card and not to charge it to my XXXX XXXX XXXX, which I had never used. XXXX collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my XXXX XXXX and that they should review their tapes. After that XXXX told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the XXXX credit card and not the XXXX XXXX, but they and threaten to report me to the credit bureau. When I spoke to XXXX sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( United Collection Bureau , Inc. ). Routinely I have {$75.00} per month automatically withdrawn from my account for the XXXX Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.

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 2018-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I previously held an internet account with XXXX. My services were held at location # 1. I attempted to have my services moved from location # 1 to location # 1 and was toyed with for about 3 months with XXXX telling me I needed to wait to have services installed. On the 5th month of waiting a representative told me when I called, " We won't be able to install your service ever and we are canceling your account ''. I never heard another word from XXXX. At this point in time I am living at location # 2 and have not been at location # 1 for 5-6 months and had XXXX installed at location # 2. My XXXX equipment was stolen during the move from location # 1 to # 2. XXXX sent a bill for that equipment to location # 1 ( where I had not lived in over 6 months ) when they clearly had an address change on record for location # 2. As I did not know I owed the bill I did not pay it. I have recently had a collections account from Diversified Consultant Inc show up in the amount of {$160.00}. Both companies are refusing to allow me to pay this without it reflecting negatively on my credit, despite the fact that XXXX wrongfully reported the debt to a collections company without giving me a chance to pay the bill and having sent the bill to an address that is not mine. I have repeatedly tried to get XXXX to fix this and can not speak with management from DCI because they yell and are rude and will not let me speak whilst on the phone with them. I feel as if this is unfair practice by XXXXwhich is tainting my credit because they sent the bill to an incorrect address. Multiple times on a recorded line an XXXX representative has told me they can speak with DCI to have a pay for deletion and never followed through with that statment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Financial Business and Consumer Solutions.
State: CA

Complaint narrative:
Company FBCS , inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Repetitious phone calls and letters to annoy and harass Constant harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have reached out to the debt collector and stated I have no acknowledge of this debt they are trying to collect or any known contract that entitles them to collect and are still reporting to the credit bureaus which is damaging my credit. 
I asked for proof and have not yet provide me with any over the past three months. 
I keep getting a statement but no validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
We made payment to PNC home equity account. However the payment was not reflected on the balance. PNC is still charging us interest for the balance we have already paid. 

Below is the timeline summarizing what happened : We totally draw {$100000.00} on XX/XX/XXXX from PNC home equity account. 
we made monthly payments from XX/XX/XXXX to XX/XX/XXXX We made payment to principal on XX/XX/XXXX of {$8300.00} we made {$30000.00} payment to principal on XX/XX/XXXX We transferred from virtual wallet account to Home equity account of XXXX on XX/XX/XXXX. 
We bring {$60000.00} check to the local branch to pay off the principal on XX/XX/XXXX ( check amount of {$15000.00}, {$25000.00} and {$10000.00} and {$10000.00} ), among which one of the XXXX check was returned, the rest {$50000.00} was deposit and cleared from other banks ( see attached deposited check images ) we transferred {$1000.00} from my equity loan account to my regular PNC virtual wallet account on XX/XX/XXXX. 

Due to the returned XXXX check, PNC has been holding all the deposited {$50000.00} and not showing as the principal payoff, PNC is still charging us monthly payment based of {$59000.00} balance, we actually only own PNC about {$9000.00}. 

Since this issue occurred, I have talked to banker in PNC bank XXXX XXXX   branch, they told me they can't do anything. We then filed a customer complaint case with PNC customer relation team, XXXX XXXX with case No XXXX, we have been actively following up with her every week since XX/XX/XXXX, but still nothing has been resolved. 

We received the payment statement for XXXX. PNC charged us $ XXXX monthly payment for the remaining balance which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: LA

Complaint narrative:
My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.

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