vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
THIS IS IN REGARD TO AMERICAN EXPRESS ACCOUNT # XXXX THAT WAS OPENED ON XX/XX/XXXX AND LAST REPORTED ON XX/XX/XXXX THAT IS SHOWING AN AMOUNT PAST DUE AND CHARGED OFF OF USD XXXX. WHEN I HANDED THE ACCOUNT OVER TO THE XXXX XXXX XXXX ASSIGNED CONSERVATOR, THE ACCOUNT HAD A XXXX BALANCE AND I HAVE NO IDEA WHO MADE CHARGES ON THE ACCOUNT ACCRUING TO USD XXXX OR IF THESE WERE THE RESULT OF ANNUAL FEES FOR THE AMERICAN EXPRESS PRODUCT. 

IN ANY CASE, I HAD NO ACCESS TO THIS ACCOUNT AFTER MR. XXXX XXXX FORWARDED ALL MY MAIL AND ANY REPLACEMENT CARDS SENT TO HIS OFFICE AT XXXX XXXX XXXX XXXX, XXXX MI XXXX AND SAID HE HAD CANCELLED OFF ALL MY CREDIT CARD ACCOUNTS AND SEIZED MY BANK ACCOUNTS. 

I WARNED THE AMERICAN EXPRESS REPRESENTATIVE I SPOKE WITH THAT THIS CARD COULD POSSIBLY BE ONE OF THE CARDS IN MY CAR THAT WAS AUCTIONED OFF AND THE REPRESENTATIVE INFORMED ME THAT NEW CARDS WILL BE RE-ISSUED AND THAT I AM NOT LIABLE OR RESPONSIBLE FOR CHARGES THAT I DID NOT MAKE OR ARISE FROM FRAUD. 

I HAVE NO WAY OF TELLING WHETHER THE BALANCE IS ACCURATE OR WHETHER THOSE CHARGES WERE MADE BY SOMEONE OTHER THAN MYSELF, FOR INSTANCE MR. XXXX XXXX AS ALL THE STATEMENTS GOT FORWARDED TO HIS OFFICE AND I WAS NOT ALLOWED TO VIEW THEM. 

I DO REMEMBER THAT THE FIRST THING I DID AFTER GETTING OUT OF THE HOSPITAL WAS TO MAKE PAYMENTS ON ALL MY CREDIT AND CHARGE CARDS FOR FEAR THEY WERE 1 MONTH LATE AND MIGHT AFFECT MY CREDIT HISTORY AND I USUALLY PAY ALL MY CARDS IN FULL EVERY MONTH AS SHOWN IN MY CREDIT HISTORY AND SO I AM NOT SURE WHY THERE IS A USD XXXX BALANCE ON THIS CARD AND IF THEY WERE DUE TO ANNUAL FEES OR CHARGES MADE FRAUDULENTLY OR BY MR. XXXX. 

IN ANY CASE, THE AMERICAN EXPRESS REPRESENTATIVE SAID I WILL NOT BE LIABLE OR HELD RESPONSIBLE FOR CHARGES NOT AUTHORIZED BY ME INCLUDING FRAUDULENT CHARGES AND YET THESE CHARGED AMOUNTS ARE APPEARING ON MY CREDIT HISTORY AND RECORD EVEN AFTER I TOLD THE REPRESENTATIVE THAT SOMEONE CHANGED THE ACCOUNT ADDRESS AND I AM NO LONGER IN CONTROL OR POSSESSION OF THE AMEX CARD. 

AS SUCH, I COULD NOT POSSIBLY HAVE MADE THE CHARGES THAT ACCRUE TO USD XXXX SINCE I LOST ACCESS TO THE ACCOUNT UPON MR. XXXX XXXX TAKING OVER SOMETIME IN XX/XX/XXXX. 

AS SUCH, PLEASE REMOVE THE PERIOD THAT I AM NOT RESPONSIBLE FOR THE ACCOUNT AND THE NEGATIVE ITEMS OFF MY CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Offices Howard Lee Schiff, P.C.
State: NH

Complaint narrative:
I am writing to you regarding XXXX XXXX XXXX and the offices of Howard Lee Schiff.  There are multiple issues with this company and they require more space than available here. First, Howard Lee Schiff has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the  complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection
State: TX

Complaint narrative:
A company by the name of Perfection Collection is claiming that I owe them {$780.00} from XX/XX/XXXX. I haven't had anything negative on my credit in many yrs. I wasnt sure what it was but upon further investigation it's an unpaid XXXX  debt from XX/XX/XXXXfrom when my alarm wasn't working. It shouldn't say XX/XX/XXXX. And I challenged it with XXXX XXXX of the situation. But the date is not my complaint its the amount of the debt and how this company lies and bullies consumers to get them to pay. The way they scheme is very dishonest. They added {$600.00} to the debt. The XXXX   balance was {$180.00}. I have documentation proving it. I even called XXXX to verify the write-off amount of {$180.00}. I then called Perfection again to confront them and they lied to me. They stated they didnt add anything towards the debt that they purchased from XXXX. So she was basically blaming them. But once I brought up that I already spoken to them she changed her tune. At one point she claimed I spoke to the wrong XXXX dept. But I actually had called them twice to verify the amount before calling Perfection back. Now Perfection Collection LLC is saying in my original contract with XXXX  it states due to nonpayment they can automatically add 12 more months of payments onto the outstanding balance if they want. Which is a lie bc I read the contract. It's also against the law to lie to me and to change the debt amount. I know it's a made up amount bc  I was paying {$39.00}. Which x12=XXXX. I was locked in on an old rate. The regular rate is XXXX so times that by 12 and it equals {$600.00}. So that proves they added this to the debt and I bet they do it all the time to other people. They will not work with me at all and just constntly cuss me out. The XXXX  Report Number I filed to dispute is XXXX The Date it was generated was XX/XX/XXXX. Please help me with these crooks. Thanks. 
Their address is Perfection Collection XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX, UT XXXX

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 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am writing to you regarding XXXX XXXX XXXX and the offices of XXXX XXXX XXXX. There are multiple issues with this company and they require more space than available here. First, XXXX XXXX XXXX has been filing lawsuits and citing exhibits which they do not attach to the complaint. They sent the complaint to the wrong address and tried to get a default judgement. I filed a request for production of documents to prove that I owed the debt and they stated that they could not produce the documents which violated my right to defend myself and they proceeded with the claim. THey had attorneys file claims stating they had personal knowledge of the debt when there is no way they could have which is in violation of XXXX XXXX 's agreement with the CFPB. In addition, one particular attorney, XXXX XXXX, made threats to defendants telling them he was giong to force them to do things. XXXX XXXX believes that he owns the people that owe money and he treats them without dignity and regularly makes threats to them.

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 2019-03-21 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: JPMORGAN CHASE & CO.

Complaint narrative:
I currently have over XXXX Chase Ultimate Rewards points, which are worth at least {$7500.00}. 

Around XX/XX/2018 ( 4 months ago ), when I tried to access my Chase Ultimate Rewards account ( or even activate the 5 % bonus on Chase Freedom ), I would get shown this page that says " We are unable to complete your request at this time '' ( image attached as well ) : XXXX : XXXX At first I thought it was just a temporary error ( which isn't uncommon for Chase ), but after 2 weeks this was still happening, so I called customer support. They opened a ticket, got escalated to their tech team, but when I would call back to find out what happened, they told me that the case had been closed. This happened 3 times, and each call has taken a lot of time to explain the situation and verify a bunch of information. 

Going from ultimaterewards.com and chase.com have the  same result. 

I'm not able to use these points by phone either, because the operators for the Travel Center are not able to access my account/points neither. 

I've tried every browser, both XXXX and XXXX computers, and the XXXX Chase phone application. They all send me to the page that says " We are unable to complete your request at this time '' On XX/XX/XXXX, I looked up some people that work in Ultimate Rewards on XXXX, and cold called a VP of Customer Relations. He acted like he was helpful at first, and we exchanged some emails. He eventually said I can buy a flight/hotel using Chase Sapphire and if I give him the details, he will deduct the appropriate points and credit my credit card for the purchase. 

Long story short, he wasn't able to fix anything. 

I can see that I'm still collecting points, but I haven't been able to access it. 

I travel a lot, and it's become a huge inconvenience that I'm not able to access these points which I intended to use for travel. I need to get this issue resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was charged XXXX for someone to repair my credit and remove the medical bills which my children had insurance for all of XX/XX/XXXX-XX/XX/XXXX There are also 2 evictions in my report i have reported because my id social and birth certificate was stole 2 different times in XX/XX/XXXX and XX/XX/XXXX. It seems like someone is trying orderstuff i never approved for such as credit cards. Ive been back and forth with Experian and XXXX XXXX XXXX deleted the collections. I need the evictions and all medical bills removed i have proof of identity theft and i have the beginning of the police report. My identity has been used for several years and nothing has been done about it. Please help. XX/XX/XXXX-XX/XX/XXXX my address was XXXX XXXX XXXX XXXX ca XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I WITHOUT MY KNOWLEDGE SENT ME AN EMAIL THAT SAID THAT THEY HAD TAKEN {$1.00} OUT ON MY DEBIT CARD. THE ONLY THING I KNEW WAS THAT THERE WAS A CREIT SCORE FOR FREE. I DID NOT SIGN UP FOR ANYTHING, I DID NOT EVEN MAKE A USER ID OR PASSWORD OR ANYTHING. I WAS NEVER ASKED! I WOULDN'T WANT IT ANYWAY I DON'T NEED IT. THIS WAS TODAY-XX/XX/XXXX. THE ONLY THING I GUESS WAS THE # 's OF MY DEBIT CARD. THERE WAS NO TALK OF A FEE OR ANYTHING ELSE DISCLOSED. I HAVE BEEN TRYING FOR HOURS TO CONTACT THEM BUT I CAN'T. THEY WANT ME TO SIGNUP & IN, I DO NOT WANT TO FOR SURE I WILL NEVER GET OUT. I TRIED EVERY CONTACT US THAT THEY HAD AND EVERYTHING WAS A NO GO. I JUST WANT OUT! I HAVE KNOW CLUE WANT THIS WHOLE THING ENTAILS. THERE IS NO UNSUBSCRIBE.I AM ILL AND DO NOT NEED THIS EXTRA PROBLEMS. PLEASE HELP?! I WAS TRILLED TO FIND YOUR SITE. I NEED TOI EMAIL, I DON'T HAVE A TEXT PHONE AT THIS TIME.

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 monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank 's Best Buy card claimed I was late on paying a bill - they had not sent me a bill and, as a result, I thought the small ( less than {$400.00} ) was paid. I received no notification from the company about a bill or an impending payment, as I do from all other companies. Then the company notified me I was past due by 30 days - throughout that 30 days, I wasn't notified. I immediately made a payment for the entire balance and asked that they remove the derogatory report from my credit bureaus. They complied. They removed the derogatory report from my credit reports and also reversed the late fee. I now have a credit balance on the account. 

They then, for some reason, reversed the changes they made. They reinstated the derogatory report - the only one I have ever had in my life - for no stated reason. They have not reversed the late fee, so I still have a credit balance.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PR

Complaint narrative:
I informed my credit card company I would be traveling overseas. At no time did they inform me that they levy an additional fee of 3 % against any foreign charges. While overseas on business travel I charged approximately {$15000.00} which I am now told will incur fees of {$450.00}. When I questioned why this wasn't explicitly disclosed to me when I called them I was told that it was in the " credit card agreement ''. In my opinion the PNC rep I spoke to when informing them of my travel plans should have disclosed to me the 3 % Foreign fee charge. This type of " gotcha '' approach is something I never expected from PNC. Had I known about the fee I would never have used the PNC card. I think PNC 's failure to explicitly disclose this fee is negligent at best and dishonest at worst. I have asked for them to refund the fees but have been told they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
This Midland " debt '' stems from a XXXX order back in 2010. I paid my bill with auto pay from my bank and can get those records again ... I sent them to XXXX and Midland to no avail. I have the original order records. The payments were set up by XXXX to come directly out of my bank account at XXXX XXXX. After that period of time was over I contacted to get the last payment and found out that they had taken out {$20.00} every month for 2+ years and then changed my account {$40.00} every month for being late. I never received a notice ... we were paperless ... and XXXX themselves set up the auto payment. I have tried several times to show the truth about this mess. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from Freedom Mortgage that my XX/XX/XXXX payment had not been paid. Since they had been closed for the holiday until XX/XX/XXXX I could not speak to them. On XX/XX/XXXX I called as soon as they opened and spoke to XXXX. He stated that they did receive my payment for {$920.00}, but that my interest rate had increased for XXXX of XXXX and I owed {$100.00}. I paid Freedom Mortgage over the phone the same day the amount that was due. 

I expressed my concern that I did not want it to effect my credit score and they said it would not. I also asked for proof that my rate went up and they said they sent a letter but had no proof it was sent to me or that I was notified. 

On XX/XX/XXXX I checked my credit report with my bank and found my FICO score had dropped from a XXXX to a XXXX because Freedom Mortgage had reported that I had a payment 30 days overdue. Again, I disagreed with that since they didn't notify me and they were not open on XX/XX/XXXX. If they were I would have been within the 30 days. 

I called on XX/XX/XXXX and spoke to XXXX and XXXX and a grievance was filed against Freedom Mortgage to remove this damaging report. I again called on XX/XX/XXXX and spoke with XXXX about my concern and that I wanted to speak to the decision makers who they would not let me talk to. I also complained about the lack of follow up that I had made the {$920.00} on time but they failed to let me know it was short. 

On XX/XX/XXXX, I received a letter from Freedom Mortgage stated they would not take the negative reporting off of my credit report. Again, they do not take into account that I paid the bill on time and even the additional payment would have been on time if they would have notified me or been open.

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 2019-03-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
HELLO AS IT WAS REVISING MY CREDIT SPACE AND I SAW THAT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT AND TRY TO COMMUNICATE WITH SUCH COMPANIES BUT DO NOT KNOW HOW TO GIVE ME A SPECIFIC ANSWER PLEASE REMOVE THE CONSULTATIONS THAT I DO NOT RECOGNIZE THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, Equifax and XXXX XXXX. I have been trying to work on my my credit scores since late XX/XX/XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
HELLO AS IT WAS REVISING MY CREDIT SPACE AND I SAW THAT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT AND TRY TO COMMUNICATE WITH SUCH COMPANIES BUT DO NOT KNOW HOW TO GIVE ME A SPECIFIC ANSWER PLEASE REMOVE THE CONSULTATIONS THAT I DO NOT RECOGNIZE THANK YOU.

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 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Over the weekend on saturday XX/XX/XXXX my card was swiped as a debit card transaction in XXXX for the amount of {$92.00}. I know the money was in there because before I went my husband asked how much was in the account and at the time I specifically remember there was {$140.00}. After XXXX I always check to see if it had come out of the bank and it did. On Sunday XX/XX/XXXX the card was used 4more times at the gas station for {$13.00}, XXXX for {$8.00} and XXXX   XXXX for {$15.00} and {$3.00} at the gas station again. By 6 Sunday night there was still a few dollars in there, not much but some. We had an accidental charge from XXXX happen Sunday night for {$74.00}. Which we immediately contacted XXXX and theyre refunding the money but like everything else it takes time. First thing Monday morning a recurring payment that we forgot about came out which was XXXX XXXX. When I checked my bank account THREE of the charges from Sunday had overdraft fees on them of {$35.00} but the XXXX XXXX and the XXXX purchases which were legitamitly overdrawn did not. When I looked into it someone reimbursed me for {$8.00} on the 3 overdraft fees. I have fees on things that were not overdrafted and no fees on the things that I am more then happy to pay fees on. I was told that once the money from XXXX went back in the account the fees associated with it would fall off. But there are no fees for that. I am more then happy to pay the fees for the things that were actually overdrafted but something needs to be changed. When I called about it they told me that not all charges post on the day they were made. Which is fine EXCEPT the three that have fees on them were debit purchases and even if they dont officially post that day it still comes out of the available balance. I would not have made those purchases if I didnt have the money in there. Someone I know who knows the banking system has informed me that these are in violation of regulation XXXX, and that Wells Fargo is taking part in unfair and deceptive acts when it comes to these fees. We have been with this bank for 10+ years and I cant believe they wont work with me to fix the problem.

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