vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX  XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide.  Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies.

According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I inquired about the latest possible date to cancel my American Express Platinum card to avoid being assessed the {$550.00} annual fee. I was originally told that I could cancel the card up to 30 days past the anniversary date of the card. I wanted to use the airport lounge access that comes with the card on an outgoing flight of a trip that was going to occur around the 30 day mark, so I called once again On XX/XX/XXXX to verify what the exact cut-off date was. On this call I was notified that the annual fee would be prorated and returned at any time that I cancelled during the year term. I decided to keep the card for the 2 week duration of my trip to take advantage of the airport lounge access and cancel the card upon my return. When I called to cancel the card, I was told that I was given incorrect information. The customer service department said they would review the call and correct the problem if they could verify that I was given the false information. When they got back to me, they told me that they had no record of the call on the XXXX, only the previous call when the 30 day time frame was given. Further more, they told me that there is no way that a call would be missing from their computer logs. I offered to send them the record from my cell phone or from my cell phone provider that showed the call date, time, and duration. I was told that they would not accept this as evidence that the call took place, and reiterated that there was no way possible that the call could have happened and not been in their system, essentially accusing me of lying about the call. I have attached the screen shot from my phone that shows the record of both calls. I am absolutely astonished that they have handled this is such an unprofessional manner, as they have always provided good service outside of this event.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX received a alert from XXXX stating a new credit was opened and reporting XXXX on my credit report with XXXX utilized. This caused my credit score to drop 57 points. I hen logged into my XXXX to verify and saw thw said account. I reached out to company via phone and was told that this was a Bank named Synchrony who Paypal had been sold to and that because they are now the owners of the accounts and is Bank they have to report to credit bureaus. I proceeded to ask more details and was told that the merger was in XXXX and that they just began reporting in XXXX. I was told that they were the new Bank for my Paypal account. I tried to explain that initially when I signed up for the Paypal account in XXXX it was advertised as a free line of credit with no reporting to credit bureaus. I explained that this was the only reason why I decided to sign up. I explained that if I had known that the potential for credit reporting could eventually change I wouldn't have never signed up. I also informed them that I had received no notification of the said changes. All they could do was apologize and explained that they would still be reporting on my credit account because the account now belongs to them. I asked why consumers weren't given options to prevent credit reporting prior to the official merger start date. It was stated that there were no options because they purchased the accounts and now own the accounts and no such options existed. I personally believe that it is fraudulent to not inform consumers of change so important that would affect their credit scores in such a major way. I never authorized anyone including Synchrony Bank to create a credit account in my name and begin reporting to credit bureaus.I believe that proper notification and options to close the account prior to credit reported could have been given. I would like the following practices to be properly investigated as this company is refusing to move the information off of 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 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS

Complaint narrative:
I recieved a call from XXXX XXXX and they i was aprroved for a loan up to XXXX and pay back a XXXX and so I said that was to much and then he said he would approve me for XXXX which I payback XXXX a month.He also ask for my last for digit of my SSI # After that he went over my bank information that he already had and he told me a file number XXXX. SO he told me to call a XXXX and provide the XXXX. I called the number and they basically said I have to purchase insurance with PPI ( Payment Protection Insurance ) which was XXXX and to pay that before i can get the funds into my account. So after that he hung up and I called back a woman answer named XXXX XXXX her and her ext XXXX and she told me the same thing so told her I did not have it and she told me to call back when I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I applied for a loan modification on XX/XX/2019 and my request was denied approximately 30 days later.

I completed a second application for loan modification on XX/XX/2019. I am now in receipt of another denial letter dated XX/XX/2019 

Both letters provide the following reasons for denying my request for modification : 1 ) Monthly income of {$6600.00} is " insufficient to sustain any payments under any available loan modification program ''. The value of my home is {$650000.00} as determined by the lender. I do not understand how my income can possibly be insufficient to sustain any modified payment program. 
2 ) Current obligations are " excessive in relation to income ''. I do not understand what qualifies as " excessive '' and why it is a measurement for qualifying for loan modification. 
3 ) The amount of good faith payment is " insufficient to offer a loan modification ''. I do not understand why a good faith payment is a requirement for modification especially when it is not mentioned in the application for a loan modification. None of the lender 's documentation indicates that a good faith payment is required or what the minimum requirement is. I offered {$20000.00} from my 401k plan as a good faith payment with the second application. 

Along with the latest denial letter, I also received a letter stating that I can not make any more modification requests, that the lender 's decision is final, and that my only options going forward are a short sale or deed in lieu of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not been able to access my credit report for Equifax online through annualcreditreport, or directly through Equifax website. I have sent Equifax notices for 9 months verifying my identity. I set up an online account it constantly says contact Equifax customer service. I have done so over the past three months as well by phone and have been told it has been forward to the technical department, nothing has been done, nor has it been corrected. I can not access my credit report online to verify corrections to my credit reports, the credit bureaus have not sent me a hard copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX  Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with American Express. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a serious XXXX XXXX XXXX. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted American Express advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from American Express telling me that they had turned the matter over to a collection company by the name of XXXX XXXX. Since then I have received threatening correspondence from XXXX. Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies. 

According to the CCPA of XXXX as well as the XXXX XXXX   XXXX XXXX and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of physically XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by American Express and XXXX XXXX. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: NV

Complaint narrative:
identity theft

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 2019-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
Please see the attached validation of debt letter that was sent certified mail to United Revenue Corp on XX/XX/209 requesting validation that this debt belonged to me, specifically a document with my signature on it. The last name on the letter they provided is not my last name. Furthermore, the letter, which I have also attached, does not provide any information ( a document with my signature ) or proves this debt belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019 I redeemed 7250 points for three gift cards through US Bank FlexPerks Rewards Program. I received an order id number and confirmation e-mail from US Bank of my transaction. The XXXX Id XXXX. I never received the gift cards and I contacted US Bank Reward Card Services approximately 3 weeks later to find out the status of the gift cards. I was advised by the customer service rep that the cards were sent out. She also informed that she would start an investigation as to why I did not receive the cards. I then received a letter from Cardmember Services dated XX/XX/2019 that stated that US Bank would not reissue the cards, because the credit card account was closed. 

As I am a long time account holder with US Bank, and I frequent the branch on a regular basis, I went to the local branch on XX/XX/2019 and asked employee XXXX XXXX to look into the matter for me. She made calls to the Reward department and was advised by supervisor that they were unable to issue the cards because it was 30 days since the account was closed. 

She advised them that when the order was made the points were in the account and eligible for redemption and that the cards should be re-issued. The employee at the Reward Center refused. The branch employee also stated that she has encountered similar problems with the Reward Center in the past. 

Today, XX/XX/2019 I called the Reward center directly and spoke to supervisor XXXX and he also refused to issue the gift cards. 

It is unfair of US Bank reward department to refuse to issue the gift cards that I am entitled to. I earned the points using their credit card, and redeemed the points that were available to me in my active credit card account on XX/XX/2019. I subsequently closed the credit card account some time after I redeemed the points because I did not want to continue to pay the high annual fee on the credit card.. The points were available to me and the gift cards should be re-issued.

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 2019-10-10 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not been able to access my credit report for XXXX online through annualcreditreport, or directly through XXXX website. I have sent XXXX   notices for 9 months verifying my identity. I set up an online account it constantly says contact XXXX customer service. I have done so over the past three months as well by phone and have been told it has been forward to the technical department, nothing has been done, nor has it been corrected. I can not access my credit report online to verify corrections to my credit reports, the credit bureaus have not sent me a hard copy of 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 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Caine & Weiner just reported a {$150.00} collection account on my credit report. I have never been contacted by this company, and have no idea what it could be. When I call them, all they do is tell me that I can either pay it, or dispute it with the credit bureaus. They give me no details about the account, or where it came from. I recently found out that it is a violation of federal collection law to report a debt on someone's credit report, without first supplying them with a 30-day notice to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2019-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a collection on my credit report Numerous times with all three credit bureaus only to have them come back and see that it is verified. So today I finally called this collection agency. I asked them for original proof that this was something I entered in to prove my identity and signature something to prove that the account belong to me. Provide me anything at all not even tell me anything because they can not even collect this debt in the state I live in they are not license thats XXXX   XXXX amd XXXX XXXX la. Contact Experian XXXX and XXXX XXXX and they are very disrespectful when Im trying to explain this they want to cut me off and they are unable to hear reason that they have been violating my rights to report accurately verify the information when I dispute it because I have disputed it multiple times and if they cant give me the information this company they sure as heck cant give it to Bureau because they can not practice collections in the state of North Carolina. The company agreed supposedly to delete this item but I have yet to see

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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX running credit with out permission that I did not agree on. Was misled by a company called XXXX XXXX in XXXX XXXX. Was told they can go back 17 years in which is not allowed by las as was told by XXXX over the Phone. I was also told they was merge with Experian. I have also filed with the US Attorney office regarding this situation.

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