vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-08 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: Credit Central Holdings, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX this company took out another hard inquiry on my report as if I was opening a new account. Prior to this inquiry on my report, I was NOT trying to get any line of credit with them, open an account, or refinance my account. I already have an open account from XXXX from them. The company is using this as a way to get back at me since I am a few weeks behind on my payment. Instead of just updating my open account and marking it as late. They attempted to open another account without my permission, knowing that it would make my score down some more. The company reports when you are behind ONLY, but NOT when you make payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: MA

Complaint narrative:
XXXX keep lying and refusing to give the sign-up bonus I deserve. 

XX/XX/XXXX - I opened a XXXX XXXX card and met the spending requirement for the sign-up bonus. American Express sent XXXX points to XXXX as the sign-up bonus, and they confirmed this several times in few inquiries I have made. 

XX/XX/XXXX - I contacted XXXX to ask about this, and they opened a case and asked me to wait 2 weeks. 

XX/XX/XXXX - They sent an email that I didn't meet the spending requirement. I called Amex who said that is not true and they already sent the points. I chatted XXXX and they opened a case for this and asked me to wait 2 weeks. 

XX/XX/XXXX - I contacted XXXX again and they updated the case and told me wait 2 more weeks and there was no follow-up for this. 

XX/XX/XXXX - I finally conference called with both XXXX and Amex together because XXXX is refusing to give points for no reason, and they agree that I deserve the points. They said wait for 7-10 days to get it resolved, and offered some points for compensation. 

XX/XX/XXXX - I still didn't get any points ( even the compensation they offered ) so  contacted XXXX again. They said they updated the system and the case should be updated. Also told me wait more. 

They are refusing to give the sign-up bonus advertised and keep lying that the issue will be resolved soon. I patiently waited more than 4 months but it seems like they are mishandling this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have called twice, emailed 3 times and chatted on their website once. Letting them know they did not pay my XX/XX/2018 property taxes and now there is a late fee, the money is in their escrow account and they still have not paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: OH

Complaint narrative:
I went in to Advance America on XXXX XXXX on XX/XX/2018 to refinance my loan. I was told by a new employee that I had basically no choice but to agree to a new loan that they had started. To pay off my loan in 18 months. I said that's great I'm thinking in my mind oh {$400.00} over 18 months.That would be my payments. It was not explained to me all the interest in the fees and that my loan amount would change. I did not receive the total of loan amount till the end after I had signed everything. she was a new employee I was in this office for 2 hours. At the end of everything she said to me while I'm not going to basically explain everything to you. She was apologizing for everything and then said just initial the papers we'll do this quickly so you can get out of here. I was not given the proper time to look over the papers. Then the woman asked me, would you like to see your payment schedule? That's when I realized the loan went from {$400.00} to {$1000.00} I told them " oh you ripped me off ". I was not notified of the amount till the end. Idid not agree with it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX XXXX XXXX stating that they are ending their banking relationship with me. This letter was in regards to an inactive account that we had opened on a trip to XXXX, which had been inactive for about 2 years. In reading online, it is understandable that an account that has been inactive for this long would be closed. The letter instructed me to close this account by XX/XX/2018, and had attached another page outlining the " full list of all accounts to be closed '', which only included this 1 account in XXXX. I do not have a problem with this closure as the account had been inactive for so long and we were going to shut it down anyway. However, we also have accounts with BMO Harris ( USA ). When we logged on to our online banking on XX/XX/XXXX, we saw that all of our accounts had been closed. We had not been notified prior to this closure. We reached out to the local branch and had been given the name of the person who closed our accounts and were told that the account had been closed on XX/XX/XXXX. In speaking with the person who had closed our account, he said that he does not know why our accounts were closed, however he was instructed to do so from BMO Harris. Furthermore, when he investigated why we were not notified, he was told that we were notified via certified mail back in XXXX about the closures and sent along receipts from the certified mail. We had never received these letters and upon tracking them via USPS, the letters were just sent out XX/XX/2018 ( 7 days after the closures ) and are still in transit. We had a number of bits ( utilities, credit cards, etc. ) that automatically withdraw from this bank account. Since the unexpected closures, we have received significant charges due to unpaid bills as they tried to withdraw from this account. In addition, we have also had some bounced checks that were written and were attempted to be cashed when the account was closed. The bank manager is unable to obtain information as to why our accounts were closed and thinks that it is simply because of the closure of the inactive account in XXXX by BMO Harris ' parent company. We have since tried moving banks, but upon cashing the cashiers checks from BMO Harris, a 30 day hold is put in place on funds from checks deposited by new customers. During this time more bills are coming due ( tuition, credit cards, utilities, phone, etc. ) which will incur even more fees and will significantly impact my credit score. My accounts at BMO have always been in good standing, and I have been with BMO for nearly 40 years.

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( all 3 Bureaus ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( all 3 Bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent multiple letters to Portfolio Recovery Associates,  collection agency, disputing accounts they have listed on my credit report. I have requested that they validate the debt by providing a copy of the signed contract from the original creditor with my signature on it. They keep sending me a computer generated form letter that states the debt has been validated and ignore my requests to prove their claims by providing my signature on a contract. They tell me that they are NOT required to do that. I sent them a copy the Fair Credit Report Act, Section 609, which states that if I request that documentation to validate a debt, federal law requires them to provide it. They are ignoring all my letters. I spoke to Ms. XXXX in the dispute department today who stated she will " order a copy of the contract ''. She stated to me that they are not required to provide a copy of the contract. Please explain why laws are written to protect consumers if collection agencies think they don't have to follow them. They are reporting multiple accounts to all 3 credit bureaus that have NOT been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
CIT Bank Contacted bank about higher interest rates published, but my account receiving a lower rate, asked bank to extend the higher rate, they said you must open a new account, even thought the existing acct was identical in structure, terms, fess etc to the new account. Instead i asked to close my account and transfer all funds to the external account on file. CIT claimed it would take over 1 week before they could close account and transfer funds. 4 days later they asked for the external account routing and acct numbers, which they already had, or they would send a paper check. CIT is very underhanded and difficult to work with, easy as 1,2,3 to set up an account very challenging to close an account and get your funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This has been on going on several month. 

i am NOT able to obtain Credit Report from Transunion i called them several times to correct the issue but i just get run around and nothing gets resolved. 

this is very frustrating and affecting my personal life. 

please 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 non-monetary relief
Consumer complaint received 2019-01-08 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: NJ

Complaint narrative:
After submitting proof of payment to XXXX several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 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: NJ

Complaint narrative:
After submitting proof of payment to XXXX  several times about XXXX XXXX account on my credit report that was paid off by my insurance company which is XXXX XXXX, they were paid in total back in 2016. So therefore I dont owe anything on this is this should reflect account paid in full and in good standing and removed from my report in total.proof is 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 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In the months of XXXX, XXXX, XXXX, and XX/XX/2018 I have continuously been in contact with Experian Consumer reporting agency regarding the account ( XXXX XXXX ) that still remains on my credit report which was established due to identity theft without my knowledge or consent. XXXX XXXX account has since been removed an blocked from XXXX Credit Report. I've sent Experian Consumer reporting agency several letters and correspondence supporting my claim but have yet been able to resolve this issue. This violation of the Fair Credit Reporting Act ( 605 ) ( 609 ) ( 611 ) is negatively affecting my financial ability to make necessary purchases to provide for myself and family. I expect Experian to adhere to the Fair Credit Reporting Act by immediately removing these accounts from my credit 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 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XX/XX/2018 My wife and I recieved a letter from XXXX XXXX XXXX XXXX ( XXXX ) that our Mortgage was going up do to a shortage in our escrow account. Upon consulting with my attorney I found this was either fraudulent or gravely mistaken. They were going to raise my mortgage from {$1200.00} per month, to over {$1800.00} per month. I contacted XXXX and explained the situation, More than six times throughout XXXX and XXXX, each time was told the situation would be resolved after x amount of time, it was not. I spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and various others that I did not record their names. Customer Service Managers including XXXX XXXX and a woman whose name I can not recall, advised me to not pay my mortgage. Ultimately the situation has been resolved, however, the entire episode is unacceptable, and I am filing this complaint to clarify my previous complaint, which I wrote when I was extremely upset. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: HW Holding, Inc
State: TX

Complaint narrative:
This company continues to contact me after I have advised them no longer call me and only send something in writing. They have contacted my employer on multiple occasions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
My mortgage servicer, Freedom Mortgage, is continuing to charge me monthly private mortgage insurance even though I have met the requirements for PMI cancellation and have requested cancellation numerous times. 

It has been more than 30 days since I requested PMI cancellation. Freedom Mortgage tells me I need to get a broker 's price opinion. I submitted the required paperwork and fee for the BPO. Freedom Mortgage cashed my check for the fee but has refused to schedule the BPO. I have phoned them numerous times in an attempt to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Card issued and account opened without my consent or knowledge

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 2019-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX & XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX  & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

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 2019-01-08 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: LA

Complaint narrative:
I am a victim of identity theft. Below are the companies who are reporting fraudulent information to the credit bureaus : XXXX XXXX XXXX - {$1500.00} XXXX XXXX - {$2800.00} XXXX XXXX - {$2900.00} XXXX XXXX XXXX - {$1000.00} I have written the credit bureaus and stated it was fraudulent and to no avail it is still being reported on my credit 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 2019-01-08 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: OH

Complaint narrative:
Dear IC System : I hereby ask that you verify IC System claims concerning consumer materials conferred to the three credit CRAs for me, XXXX XXXX, for the suspicious account number XXXX, XXXX. Since damaging reporting errors may be vis-a-vis that reported data, I formally request that you document and send the formal validation on your letterhead promptly. Additionally please show that this account was not claimed as a loss with any insuring entity. This is not a request for a summary one-sheet. In lieu of that, I must requisition a full audit. 
If these reasonable demands can not be met during the month following receipt, data uploaded by IC System to the credit bureaus should be deemed wrongful and may evince a nullification of my consumer rights. Given that occasion, you must annul that bureau material directly. 
Thank you for IC System assistance in this regard.

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 2019-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Community Cash Management Corp.
State: MA

Complaint narrative:
XXXX XXXX has repeatedly called my phone, looking for one of their debtors. I have repeatedly asked them to stop, to put me on their " do not call '' list, and to cease discussing someone's else 's medical debt. Instead, they continue to ask invasive questions ( asking if I know their debtor, what my name is, if I use the same offices, what my birthdate and social security number is, etc ) until I hang up. I blocked their number with my cell service and independently on my phone, and yet they still call endlessly and leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/19 I contacted PayPal Inc. about removing limitations from my account. The agent responded by closing my account deeming me as too risky of a seller on XXXX. I provided PayPal Inc. with purchase receipts, tracking information, and everything to verify my identity but they continued to close my account. I currently have a PayPal Balance of over {$6000.00} USD that I am unable to touch for 180 days until PayPal Inc releases my funds. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had a balance of {$430.00} on my XXXX XXXX XXXX Credit Card which was paid in full on XX/XX/XXXX. Figuring this was paid in full and I intended no additional uese of the card I paid no further attention to the account. on XX/XX/XXXX I realized I had a balance of {$110.00} due to " late fees ''. This company states they received my payment on XX/XX/XXXX and charged me a late fee as my bill was due on XX/XX/XXXX. I notified the company I had absolutely no intention of paying these late fees as I made my payment to close the account and was unsuspecting of these additional charges. They agreed to waive one fee only but not the others. I told them that regardless, I am not paying any of the fees as I paid my account in full prior to the due date. This is hitting my credit report, I want it removed as negative from my report, the account closed and absolutely no responsibility for these ridiculous charges! They now have me at {$200.00} due! This is nearly half as much as paying my actual account in full.

Company response to consumer: Closed with explanation