vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is a complaint regarding American Express opening a new account without my permission and not granting me XXXX bonus for that new opened account. 

Around XXXX last year, I called Amex to cancel my American Express Platinum Card, and was offered XXXX bonus points if I downgrade to Premier Rewards Gold Card. I accepted the offer. 

Few months later, I found out that the Platinum Card was still present in my account. I called up Amex. I found out, that instead of downgrading the Platinum to Premier Rewards Gold Card, Amex opened another Premier Rewards Gold Card, in addition to the Amex Platinum. I called up Amex to cancel that Platinum. They said they are going to investigate why this happened. They told me to go ahead and spent $ XXXX so I receive the XXXX bonus on the new Premier Rewards Gold. 

In XXXX, when I had spent $ XXXX, I called Amex to confirm the bonus once again. Instead of confirming, they said I wo n't get XXXX bonus, since I had this card with them ( long time ago ). I told them that was not what was promised to me for my troubles, and was not on the welcome letter I received from them. They refuse to bulge. 

I have been a long time loyal customer of Amex for a long time now, giving them plenty of my business, including having over XXXX accounts open with them. I feed swindled that they opened a new credit card instead of downgrading my existing card, causing my credit score to decline and lots of confusion. I also did n't get my XXXX points promised, even though I was told I would, over the phone and email. 

I have attached the following as proof : 1. Premier Rewards Gold Card offer confirming XXXX points if I spent {$2000.00} in three months 2. Letter confirming the new Premier Rewards Gold Card 3. Chat with Amex rep confirming that my account was opened in error, and not giving me XXXX points as promised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I paid {$3600.00} towards a credit card ; in which my ex-wife had in her possession, charged to the limit and stopped paying. The cashier 's check is dated for : XX/XX/XXXX. This account was awarded to her in the divorce, however, she did not take the judgement serious. Because the card was in my name, of course I had to make good by it. 

Once this account was paid in full, not too long after ; the account was removed from all XXXX credit reporting agencies. In looking at my XXXX report dated : XX/XX/XXXX ; XXXX added this account back on my XXXX credit report on XX/XX/XXXX ; it states it is paid ; but it is still affecting me. Also as of : XX/XX/XXXX ; the 7-year diary has been reached and this account should not be on any of my credit reports. 

I have contacted XXXX via email on : Twice, disputing their letter written to me on XX/XX/XXXX. Both emails are dated : XX/XX/XXXX I also sent the emails to them by regular mail. I have not heard back from them, nor have I heard back from XXXX, in which I mailed them a letter on : XX/XX/XXXX ; disputing this same account and asking why, once the account was removed, how did it get added back on my credit report???? I disputed the fact that they have this account on XXXX, stating it is paid, but they are refusing to remove it. It is not legal for a company to remove an account off of a report and then because they feel like it, add it back on ; without my knowledge and even after it was paid in full. Please help me with this issue. I want this account removed ASAP,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days past due as of XX/XX/2017

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I recently disputed XXXX credit card collections with XXXX to have them removed from my credit report because they came back verified. I requested documentation to prove these debts belong to me but I have not received any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I didn't/don't have a contract with them and I want it removed from all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Law Offices of Timothy E. Baxter & Associates, P.C.
State: MI

Complaint narrative:
I was garnisheed by Timothy E. Baxter & Associates for a balance of {$150.00} and I never received a notice that I was being garnisheed until after the money was taken from my savings account with my credit union when they sent me the notice. I never even knew this debt still existed until I was garnisheed by Timothy E. Baxter & Associates. The notice that they sent to my credit union was supposed to be received by me within 7 days of filing and I did n't receive the notice until today which is XXXX XXXX, 2016. I never received any communication about this debt until I was garnisheed i.e. the only communication I received was from my credit union after I was garnisheed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Hello Comenity, You guys are killing my Credit Score. I have been a XXXX customer since 2015. I recently requested a Credit Line increase, to which the system advised a letter would be sent within 7-10 days. We all know that means denied! 
I had no idea, you 'd be running a hard inquiry on my XXXX report that will of course stay there for 2 years. 
So, in regards to this limit increase reqiest First you place a hard inquiry on my report, since I requested a limit increase and then send me a letter via the account management center telling me that you can not contact me in regards to information in my credit report. That 's vague and foolish. 
Then, I just called your CS in regards to this letter and then, the agent tells me the same thing and says she will submit another request ... .without telling me that it will be another hard pull on my XXXX report. ARGHHHHHHHHH! 
Yes, I subscribe to the CRAs for up to date information on my report, whenever any changes are made, it will alert me right away! 

I need you guys to remove the hard inquiries on my report asap. Or provide me with the Credit Line increase. Here I am with an annual income of over $ XXXX a year and all you can dole out to me for XXXX is {$1000.00}. 
Not to mention, I have many other open and actively paid account -on time with Comenity and you treat me like this! I think it may be time for us to separate. 
... XXXX hard inquiries in the same time frame for the same thing, is uncalled for and very unprofessional. 
I am not going to live for 2 years with hard inquiries on my report, a credit score that is dropped for no reason and and your company does n't know why you can not contact me when my contact information has been the same since opening the account. Hello! 


-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Castle and Cookie Mortgage LLC
State: TX

Complaint narrative:
I purchased my home in XX/XX/XXXX. I recently received my XX/XX/XXXX Annual Escrow Account Disclosure Statement from my loan provider Castle & Cooke Mortgage. My current mortgage monthly payment is {$1400.00}. Upon reviewing the statement, I realized my new mortgage payment increased to {$2500.00}. I called Castle & Cooke for an explanation. The representative explained ... ..they did n't pay your XX/XX/XXXX taxes. She kept referring to they when assigning blame. When I asked who is they, she did n't answer me. I asked again and then she said the service provider. Then I asked ... ..are n't you the service provider? She finally admitted it Castle & Cooke failed to properly collect the funds for escrow. She did not provide means or options to resolve the issue. I had to ask for my options at resolving this issue. I am concerned because this is a problem generated by Castle & Cook, a problem, I believe they intentionally perpetrate. The representative stated this is a common occurrence. The representative stated I had up to 36 months to pay for the shortage of escrow funds. I asked if there would be a fee incurred and she stated no. I am leery of her statement but plan on proceeding with this option. Once I find out exactly how this works, I may submit another complaint or add to this one. During my research of Castle & Cooke, I found your organization has taken action against them for steering consumers to costlier mortgages. I feel I am being exploited and being taken advantage. I venture to say there are many consumers in similar situations who have not voiced their concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: KY

Complaint narrative:
I was charged because of equipment I had from XXXX. I was told I could send it back and would not owe for it. They sent me a return label and I sent it back. Now I 'm getting letters that it was sent to collection. I should not owe for this, I have tried to call and every time I get told it will be researched but it still has not been.

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 2015-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is against XXXX Information Services LLC because I do not agree with the investigation made by the company Information Services LLC, the accounts that I am disputing are XXXX and XXXX Credit Card. This accounts were opened without my permission or were authorized ( fraud ). Which the XXXX companies were reported in the last three months. How i have said before I made all the documents and evidence that I have which is the Affidavit, the police report and my ID. XXXX and XXXX made opposite results than Equifax , these results were correct and were made on my favor supporting the true statement that I am victim of fraud, following the federal law, which is FCRA 605B. I find it odd that Equifax gave a different result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
XXXX transferred my mortgage account to Seterus ( Servicer ) a few years ago and Seterus and XXXX have continued to report inaccurate information ( Delinquency ) to the XXXX major credit reporting agency. Seterus has insisted that my last late payment was in XX/XX/XXXX and that information is not correct. My last payment was made to XXXX back in XX/XX/XXXX while trying to work out a modification plan with XXXX that eventually did no work out. I will submit copies of my personal checks of my last 4 payment that were drawn through my routing number and clearly shows the date/time of my last payment to XXXX. Can you please pass the correct information to Seterus/XXXX so that in turn they can report accurate information to all XXXX credit reporting agencies. It has been over 7 years since my last payment to Seterus/XXXX which makes it illegal to report a late payment over 7 years old. Thank you so much, Your attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax would not remove an authorize user card on my recredit report XXXX by XXXX card and XXXX by XXXX card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I initiated a dispute on XXXX/2016 due to erroneous fraudulent information being reported on my credit bureau report, and I have a 7 year fraud alert with a police report filed. 
Also I recently filed a bankruptcy and there were a lot of accounts that was suppose to be included in that bankruptcy on my credit report that was not, and was reporting adverse action negatively as if I never filed a bankruptcy. XXXX, and XXXX had taken care of the erroneous fraudulent situation the first tI 'm I noticed and disputed the accounts, however equifax have not resolved the issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.

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 2017-02-16 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: TRANSCARD, LLC
State: NY

Complaint narrative:
We loaded XXXX onto a gift card to pay our XXXX cell phone bill and on XX/XX/2016 XXXX processed a payment of XXXX everything was fine until XX/XX/2016 when transcard filed a claim against att to have the XXXX returned to them witch att did and then put the amount back on our bill making us repay the XXXX after XXXX returned the XXXX to transcard the money disappeared we called transcard numerous times to asked where our money went and they said they paid att XXXX witch we ask for proof of and the only proof they are provided was for the payment on XX/XX/2016 for XXXX and that was returned to them on XX/XX/2016 leaving us with the bill of XXXX and a balance of XXXX on the card the XXXX is gone XXXX does not have it as it was returned and trans card has no proof of anything other then the one payment in witch they took back and left us out of XXXX stating it 's not their problem

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a Nordstrom card on XX/XX/XXXX16 because the customer service agent at the store said, repeatedly, that I would receive a {$20.00} statement credit as well as a {$20.00} certificate to be used for a later purchase. My husband heard her say this multiple times as well. I did not receive the statement credit, so I contacted their online customer service and was told " sorry, the agent who told you that was incorrect. '' I said that was not acceptable and that I had been given fraudulent information to open the account ( which I would not have opened if not for the supposed promotion of {$40.00} credit in total ) and the response was to give me the credit, but take away the certificate, so in essence still the same {$20.00} value - half of what I was told multiple times I would receive when opening the account. The sales rep who encouraged me to open the account was very persistent and was clearly getting some kind of bonus for signing me up as she announced it very loudly to her colleagues and also placed a phone call to let someone else know she was signing up a new customer. It is obvious that she is receiving a financial incentive for signing people up, and in my case used false information in order to get me to open up an account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ERC
State: KY

Complaint narrative:
I had a XXXX account and it was turned over for collections back in XX/XX/XXXX. I returned the equipment to them in XX/XX/XXXX due to finding them in storage because they were loaded on the moving truck with other stuff. XXXX turned me over to collection company called XXXX and I seen this on my credit report. I filed a dispute on this and explained to them that this had been resolved in XX/XX/XXXX. They removed this from by credit report in XX/XX/XXXX. The amount was {$1000.00}. On XX/XX/XXXX it reported back on my credit report again. I disputed it once again and now it is under a company called Enhanced Recovery Company. I called them and told them to remove this and she said no I cant do that you owe the debt. Explained to her that this was disputed in XX/XX/XXXX and once again XXXX has turned it over to another collection company after it being removed in XX/XX/XXXX because I did not owe the amount. They are falsely reporting account to a collection company and I would like something done about it. I called XXXX and they said they would have to look into the credit and they can not have the account pulled from this new collection company Enhanced Recovery Company. I want something done about this at once or I will be contacting an attorney and the FDCPA will be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed