vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-11 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for an aadvantage gold credit card with citibank that advertised a promotional offer of XXXX  bonus miles for spending {$750.00} within the first 3 months. I spent well over the required amount within the first month. More than 3 months later and I still have not received the bonus.
When I contacted citibank I was told I had received the promotion previously and was not eligible. I have never had an aadvantage gold credit card before.
I would like my bonus miles and an apology for false advertising.

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 2017-08-11 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: PA

Complaint narrative:
I received an alert in regards to my credit report that changes were made on my credit report and inquiries were made on my credit report. The following information below is fraudulent inquiries and changes that were made on my credit report without my knowledge.
INQUIRY - XXXX - INQUIRY MADE ON XXXX-17. I HAVE NEVER MADE AN INQUIRY TO THIS COMPANY. IMMEDIATELY REMOVE THIS FROM MY CREDIT REPORT.
THIS FRAUDULENT INFORMATION THAT IS ON MY CREDIT REPORT IS MAKING MY CREDIT SCORE GO DOWN. I WANT MY CREDIT REPORT CORRECTED IMMEDIATELY AND A FRAUD INDICATOR PLACE ON MY REPORT. IT MAKES NO SENSE HOW THESE CREDIT REPORTING COMPANY WILL PUT ANY AND EVERYTHING ON YOUR REPORTS AT ANY GIVEN TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
Optimum Outcomes has sent serverl invoices stating there is a outstanding balance of {$290.00}. I have reached out to this company asking for validation of this debt including a signed contract with their company, In turn I got a letter XX/XX/XXXX stating that this is all the validation they will give and that this is the last time that they will not send me any type of verification or validation. I still have not gotten a signed contract w/ this company or any identifying information that this is indeed my debt. No identifying character, DOB, SSN, account #, date of service, or a signed contract. I contacted the company on XX/XX/XXXX and spoke with XXXX. I asked for validaiton including a signed contract with this company. XXXX then stated that she does not have to prove anything to me and I need to pay this debt I then informed XXXX that I have been a victim of Idenity theft serveral times and I need validiation with a signed contract. XXXX then told me that I am a liar and that the debt needs to be paid or else and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: MO

Complaint narrative:
I cant qualify for a mortgage because Equifax refuses to delete inaccurate child support information from my credit report. My credit report shows that my account has been late and/or collections 9 times ( 9 months ). I have mailed in a copy of my child support orders for them to see how much I was ordered  to pay. I also included all my pay check stubs to show that I have paid on time since child support started in 2013. I submitted all my check stubs with the year-to-date information highlighted so they could see that I had never paid late nor that I was in collections, along with a print out of the Child Support Payment History, to show that the payments had been received by XXXX XXXX XXXX. I also sent in an administrative hearing court order and an official letter from the XXXX XXXX XXXX XXXX, stating that they had reported the account erroneously and that this account has never been past due and was never in collections and that they reported the account in error. I have been trying for over 12+ months to get Equifax to correct ( delete this account ) my report and they are refusing to do it, and they are continuing to report the erroneous/negative/delinquent information. I have sent all correspondences via certified mail to Equifax while disputing this account. I have tried numerous times to resolve this matter with Equifax and XXXX XXXX XXXX, to no avail. Dates Complained : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Quality Loan Service Corporation can not act as trustee as was never a contract to do so for the Fictional deed of trust, I XXXX XXXX have durable power of attorney with anyway my surname and any ways spelt and IRS has a copy of it, along with cusip, ssi, TDA accounts all can not be used, unless I give expression through approval, with a signed affidavit which i have not, to XXXX, Quality, nor any other company, also it takes two to sign a contract not Even XXXX XXXX XXXX have signed any docs. but on the hidden back of a paper, and non-disclosure, and signed my name, and id theft. Arrest warrants have been issued to all Ceo 's involved in this Fraud, Extortion, land piracy. Also a defaulted bill. You can not sell nor buy something that you do n't own by a null and voided contract before is even is one. Nor direct as a fraudster actor trustee, which violates the Constitution of the united States Of America Republic. If you need a copy of the arrest warrants and defaulted bill, request it, and not electronically, only by registered mail, and stating on the pink slip that what it is for and whom it is from, The bill is more that 90 days, ssi # is only for employment purposes, and slavery was abolished, Idenity theft is being used by the matrix system of banking and all we do on line and there is never another person on the other end to sign their name, all corporations have been foreclosed on more than once in the world, since XXXX XXXX XXXX, and XXXX, and XXXX and XXXX XXXX XXXX found XXXX XXXX guilty on all counts. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX 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 2017-08-11 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: AL

Complaint narrative:
On XXXX XXXX, XXXX, I went on XXXX online banking website to make a payment on my XXXX XXXX XXXX. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XXXX XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: IA

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX  XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong 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 2017-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XXXX/XXXX/XXXX I was approved for the Wells Fargo Visa Signature card. The card came with 2 bonus offers : 1. XXXX points ( worth {$200.00} in statement credit ) after spending {$1000.00} within the first 3 months. 2. 5x points on gas, grocery, drugstore net purchases for 6 months I successfully completed the first offer XXXX XXXX points XXXX by my XXXX/XXXX/XXXX statement on which it showed a balance of {$4500.00}. I continued to take advantage of the remaining offer of 5x points by making purchases at grocery stores. On XXXX/XXXX/XXXX I logged onto the WF mobile app after having a transaction declined to find that my account had been closed by Wells Fargo. At that time of closure I had XXXX points pending on my account equivalent to {$160.00} in statement credit and had yet to be rewarded for successfully completing the first bonus offer ( XXXX points ). Thus, I had XXXX in pending rewards that I had earned while the card was open. When I called the WF Executive Office on XXXX at XXXX EST the representative noted my account was closed for rewards abuse. WF misled me by indicating that rewards would be earned in the amount of 5x for all purchases made at grocery, gas, or drugstores for the first 6 months. WF never indicated a cap on rewards or that spending more than they deem acceptable would result in account closure. I never spent more than my credit limit and made on-time payments. I feel that I was misled and treated unfairly.

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 2017-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC
State: MD

Complaint narrative:
On XXXX XXXX I started business with AmCap LTD out of XXXX Tenn. XXXX XXXX was my  representative. On XXXX XXXX, XXXX, after going through the loan process and being told we were good to go and jumping through every hoop they required we were told they no longer can do my loan due to the company pulling their licenses in MD, DC  and Va. Closing was supposed to be on the XXXX. I was told this after an FHA inspector, cost of {$580.00}, that AmCap contracted and I paid was sent to the house we were buying and told us everything was ok and we did a pre-occupancy agreement and had to put money down to the seller to move in before closing. Now after discovery, we found the house has mold and an oil tank in the basement and are being told to vacate after only 18 days of residing in the house and after the seller taking XXXX of my money that was supposed to be sourced as down payment. My wife is XXXX and all parties knew of this. I do n't understand how a mortgage company can get so close to closing and all of the sudden say they ca n't complete the process because of licensing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I applied online for a credit card from Walmart through the linked website of XXXX XXXX, Creditor XXXX XXXX XXXX XXXX XXXX, FL XXXX I was denied due to an " insufficient credit history on file ''. 

It seems to me, if a credit history was needed, I could have been given the opportunity to provide credit references, as they do not appear on the XXXX Credit Report the Bank used for reference, nor on the initial application for the credit card.

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 2017-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Recently reviewed credit report stating that I owe a debt with XXXX XXXX that being collected by National Credit Adjusters. I have never been associated with the address they have listed/linked to report. I have never received notices about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: Hunt & Henriques
State: CA

Complaint narrative:
I will respond to Hunt and Henriques correspondence dated XXXX XXXX, 2017.  That was sent to your offices and forwarded to me. I demand they cease and Desist Collection activities. They have no legal right to file any motions or collect any funds for these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
Ocwen has claimed that it is passion of a claimed interest in the XXXX 's ( Petitoner ) property. Ocwen has falsely misled and used fraudulent actions to claim that they have and are in possession of an original note and mortgage but Ocwen 's records on numerous accounts have shown differently. Ocwen has fraudulently initiated foreclosure and debt collection proceedings falsely representing that it has the Original note and mortgage when Ocwen knew, should have known buy the account of its own records that it was not in possession of an original note or mortgage. XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed the mortgage document is marked - Unofficial copy '' XXXX/XXXX/XXXX - Ocwen records state - " collateral file reviewed - no original docs are present. "

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized XXXX XXXX accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX  credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX XXXX XXXX XXXX, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 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: IA

Complaint narrative:
I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department on XXXX/XXXX/XXXX regarding being a victim of identity theft and the fraudulent and unauthorized credit collection accounts and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit Report. The police report case number is : XXXX, the following account or collection accounts do n't belong to me : XXXX County County Courthouse, XXXX  XXXX, {$76.00}, XXXX XXXX for {$1400.00} and XXXX XXXX XXXX for {$26.00} and {$74.00}, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX. I been receiving harassing telephone calls and death threats from representatives from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX for a debt that 's fraudulent and do n't belong 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 2017-08-11 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: Navient Solutions, LLC.
State: ME

Complaint narrative:
I have spoken with Navient several times, I have been very confused about exactly what I owe and how many loans I have. My loan is confusing. I started off with 2 loans one for {$3500.00} the other for {$4900.00}. I was so hesitant to go back to school, this is why! I was divorced in 2007, I was raising XXXX kids on my own and working 2 jobs. One is as a XXXX in the XXXX XXXX, working with XXXX XXXX XXXX. I have done this job for 13 years. I thought I could become XXXX XXXX. Both Universities convinced me I would get all kinds of grants because I was a single parent. I did not receive much help at all. My ex husband paid no child support either. I saw the loans getting bigger and decided I could not pursue my XXXX XXXX because I could not afford it. My loan has been sold to different companies and now because of interest and several deferments I owe around {$20000.00}! Through the years I have spoken to people at Navient relaying this information, they kept convincing me to do deferment. I have had to constantly work 2 and 3 jobs in order to live so these loans were not priority. I recently went to apply for a small mortgage because I am trying to find something more affordable and on my credit report Navient has several negative reports also I thought I had 2 loans and it appears on my report as 3! It has brought my report down significantly! I have also asked several times with the job I do is n't there any sort of loan forgiveness? I work with XXXX XXXX XXXX in a XXXX XXXX! Now my loan to find a cheaper place to live is not going through! I am stuck, confused and very frustrated!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Time after time I have submitted a dispute about a fraudulent account on my credit report from Transunion about XXXX XXXX. I have disputed and had the account removed from both XXXX and XXXX but Transunion fails to remove the account no matter how much I try. The account was unable to be verified through XXXX and XXXX which is why it has been removed. I need this account removed from Transunion ASAP as it is hindering me financially.

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