vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
NOT THAT ANYONE ACTUALLY READS THESE COMPLAINTS, BUT AMERICAN EXPRESS HAS ALWAYS BEEN DIFFICULT TO DO BUSINESS WITH AND CONSIDERING THEY ARE NOTHING BUT TROUBLE TO DO BUSINESS WITH : CLOSE MY ACCOUNT AND STICK THE CARDS UP THEIR XXXX. 

THIS COMPANY SUCKS AND SHOULD BE ALLOWED TO TREAT CUSTOMERS IN THE NASTY WAY THEY DO AND THEN EXPECT PAYMENT FOR SAID NASTY SERVICE AND TREATMENT! 


When I was given credit by American Express my physical address was on my application & account. American Express CHANGED my physical address using the Postal Service National Change of address update system to my PO Box on their own. I was forced to obtain a PO Box when my mail was stolen from my home address. 

The USPS requires several ID verifications before granting a PO Box , so my ID was confirmed along with my physical address per the Patriot Act. 

American Express restricted my credit account even after I called them on XX/XX/19, when they assured me my account was ready to use and my card was valid for purchases. 

I then went shopping later that very day and was declined because American Express in fact lied to me and had restricted my account because THEY CHANGED MY PHYSICAL ADDRESS on my account to my PO Box thru their use of the USPS address updating service.

Even after calling them yet again, American Express refuse to fix the problem and refused to unlock my account which apparently had been locked for MONTHS.

American Express and their credit reporting service Experian should be investigated by the Dept of Justice, FTC, Federal banking commission, and state regulators for deceptive and unfair business practices, along with discrimination against military customers & veterans for their targeting military customers for use of APO & PO Boxes.

Additionally since American Express owns and operates one of the largest credit reporting services, they are very much aware of my physical address which they use often and should have fixed my account months ago, but elected NOT too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: AZ

Complaint narrative:
XXXX XXXX started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and XXXX " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My mortgage never used to require an escrow account. Please provide the following : 1 )  Documentation showing why an escrow is required with my loan, 2 ) Date escrow was added to my account to include explanation why, 3 ) Breakdown of how my escrow payment was calculated and method used to determine monthly amount, 4 ) Explanation why escrow payments are being billed when I tax paid my 2019 taxes in full to the Town of XXXX. The tax payment was delayed due to a dispute over my water bill with the town. 
5 ) Explanation why the letter dated XX/XX/2019 from Mr. Cooper in response to my inquiry failed to note that my taxes were paid XX/XX/2019, the tax payment they sent in XX/XX/2019 was a duplicate and returned, and I continued to receive inaccurate periodic statements. 

Supporting Documents : Document 1 shows that there was a duplicate payment made from Nationstar to the Town of XXXX for taxes and was returned. Document 2 and 3 show that escrow taxes and insurance in the amount of {$330.00} were being billed to me after my taxes were paid. Document 4 is from the Town of XXXX and shows that I paid the taxes for 2019 in full. Document 5 is a letter dated XX/XX/2019, which shows that ( 1 ) Mr. Cooper failed to adequately investigate my account due to the fact that the taxes were paid in full during XX/XX/2019 and ( 2 ) Town of XXXX returned Nationstars tax payment because it was a duplicate sent after my payment. Document 6 shows that I am being billed late fees, I am a senior citizen on a fixed income and this has an adverse impact on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
XX/XX/XXXX asked for modification and received note from Greentree showing loan interest rate drop to 6 % and new payment to be {$1500.00} effective XX/XX/XXXX. ( XX/XX/XXXX spouse lost job and we were able to pay until XX/XX/XXXX ) XX/XX/XXXX filed a motion to get a loan modification from Greentree and also filed with Michigan Homeowners Assistance. Got help paying 5 years of taxes and was also told the loan modification we received in XXXX was not a true modification. Housing value was not brought down to value in area. 

XX/XX/XXXX tried again to get a loan modification because feferred amount showing {$45000.00} and we were told we didn't have a XXXX XXXX or XXXX XXXX loan so we did not qualify and investor would not work with us. 

XX/XX/XXXX sent letter to Ditech asking why we still owed so much on the loan and trying to find proof of the loan modification and they said everything was done over the phone and they could not show proof. 

XX/XX/XXXX met with realtor to put house up for sale, received a payoff of {$230000.00} but on the mortgage statement and credit report it shows {$170000.00}. Called Ditech several times and just keep getting the run around and transferred to different people. 

XX/XX/XXXX received a letter from Ditech that our original account was closed and a new account number was given to us. Now we received a new statement and letter stating our payoff is {$270000.00}. The payments were making are going to a deferred account and no one can explain why or where the new amount came from. 

Ditech filed bankruptcy and this is when our account number changed and also now our credit report is showing a charge off. WHY we still can't find out. 

According the the Michigan Affordable Housing Ditech ( Greentree ) did not do a true modification but just lowered our interest rate and put everything on the end of the loan. Another reason we are questioning and where is documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
submitted XXXX written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '

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 2019-06-02 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: RGS Financial, Inc.
State: AZ

Complaint narrative:
RGS Financial started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and RGS " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
This debt was paid in full. Please remove it from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This debt was paid in full. Please remove it from all of my credit reports.

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 2019-06-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
comenity bank is the worst i always paid my bills. they waited back in XX/XX/2017 i paid large sums on my credit cards. and few months later they lowered my credit limit and i were in the process of buying a home. so what that did. it made my utilization go down, and too the bank that was willing to finance me. it shows now i have no open credit available. so i was turned down for my home loan. and now they are showing me delinquent. but if the truth be told i ma ahead due to large sum has already been paid. i ask them to suspend my accounts due to paying for health care cost for my son that recently had a XXXX. so i can pay a smaller amount and not be behind. thank you for your help we need to stop the credit card company from ruining good consumer that paids they bills. and when trouble strike it they shouldn't how to worry about crooks like comenity bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On XX/XX/2019 online dispute was submitted to Trans Union for the following inaccurate account currently reported on my credit report. The dispute request was to delete and remove the following account from my credit report. Trans Union dispute results did not delete the account as requested. XXXX dispute results from XX/XX/2019 removed and deleted this same account. This is the 3rd request to Trans Union to remove the following account from my credit report as soon as possible. 

XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX {$170.00}

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 2019-06-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
submitted 3 written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: PA

Complaint narrative:
submitted 3 written requests for verification of an account.i continue to receive notices that account is verified which have not been shown to me how " verified '

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 2019-06-02 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: Waypoint Resource Group, LLC
State: OR

Complaint narrative:
On XX/XX/2019 online dispute was submitted to XXXX XXXX for the following inaccurate account currently reported on my credit report. The dispute request was to delete and remove the following account from my credit report. XXXX XXXX dispute results did not delete the account as requested. XXXX  dispute results from XX/XX/2019 removed and deleted this same account. This is the 3rd request to XXXX XXXX to remove the following account from my credit report as soon as possible. 

Waypoint Resource Group Account XXXX Waypoint Resource Group XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX {$170.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I had started a new job, that I never told the bank about because I didn't even have a month working their, and while I was home before going to work one day, ( XX/XX/2019 ) I get a call and text message from my supervisor telling me that agents from the bank are at my job place looking for me, and left a card with the supervisor about my 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 2019-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC
State: NJ

Complaint narrative:
XXXX mailed dispute certified mail to them and as of XX/XX/XXXX it was returned for being not deliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
As of XX/XX/XXXX I called and confirmed with XXXX XXXX regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed XXXX account ( opened on XX/XX/XXXX ) on Experian shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either Experian is not up-to-date or the creditor failed to report the right status of payment.

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 2019-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: IT'S TIME - CREDIT REPAIR LLC
State: NC

Complaint narrative:
Someone accessed my account thru there computer. Credit repair notified me. 
However, never told me the source. It happened twice.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Claims I owe money but will not provide any documentation that supports this claim. Updates my credit report with negative information and will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: VA

Complaint narrative:
Claims I owe money but will not provide any documentation that supports this claim. Updates my credit report with negative information and will not remove it.

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 2019-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I have consistently paid for our vehicle. Every month they received their payment with extra at times. They wrongfully repossessed our vehicle and we are current on the loan. We did not receive any written notice or phone call I regards to any issues with the account. We have either paid via XXXX XXXX, XXXX or ACH payment. All the receipts can be provided if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: DISCOVER BANK
State: CA

Complaint narrative:
Dear CFPB My Discover Credit Card Was Closed for no Reason. I got letter that they closed my account by reviewing my account i found no evidence i have done anything wrong. 

I called and was not informed any factual and accurate reason why my account was closed. Only think i can assume that they might think i purchased jewelry which description is coin so the assume its bitcoin which is not. I purchased jewelry not bitcoin .All they could do to verify that its not Bitcoin they could brows internet only 1 minute and discover its not Bitcoin its regular jewelry shop. 


I have attached for your review my last 3 months statements so you can verify and see i have done anything wrong. 

I also attached their letter which doesn't explain or give reason why my account was closed Please see attached also letter of legal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
For over a year now, I have been trying to clean up somethings on my credit report by disputing through the credit reporting companies and every time my scores drop extremely! Today I lost 29pts because I disputed to have some accounts removed but they still remain on my credit report so why did I loss 29pts for something that didnt change. I pay all my bills on time my credit score should be at 650/ 700 I have lost so many points just trying to fix my credit. I feel like we as consumers we are being treated unfairly for trying to fix things in our credit reports. This is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
As of XX/XX/XXXX I called and confirmed with Nissan Infinity regarding the status of an auto loan I had with them. The representative confirmed that the account is paid in full as agreed and no charge-off status should reflect anymore on my credit reports. However, as of XX/XX/XXXX, the status of the Closed Nissan account ( opened on XX/XX/XXXX ) on XXXX shows as charge-off under payment. This is wrong, because it says that dispute is resolved. Either XXXX is not up-to-date or the creditor failed to report the right status of payment.

Company response to consumer: Closed with non-monetary relief