vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, American Express initiated contact with me. I received a gentlemen on the Credit Review team who proceeded to go over the status of my account. Within the parameters of the conversation, this individual was making veiled threats that seemed to point to negative credit reporting, the account being sent to an outside agency, and the likes thereof. Keep in mind, all of this even though I had made several apparent statements intending on paying the full minimum amount due by the week of XX/XX/XXXX. Relentlessly, that was not satisfactory to him ( or American Express ... I can not decide which ). This was followed by repeated unprofessional tones and outbursts by this individual who claims to maintain professionalism at all times. I do not and WILL NOT tolerate any behavior like this from anyone. As of the time of this writing, I am reviewing this incident with a lawyer who will direct me on what steps to take regarding this situation. Someone will be reaching out to American Express in the coming weeks to further establish the situation and I, the cardmember, demand a direct apology from this individual and American Express jointly. In the interim, American Express hardly maintains transparency between its employees and contractors. There are repeated discrepancies that continue to become a concern when trying to make attempts at making the account current. With regards to Payment Programs, many American Express handlers either do not know what exactly is required, or assume what is and isn't required in order to keep a Payment Program. In the aftermath of being removed from a Payment Program, at no time other than the date of this writing, did anyone mention that keeping Auto Pay on a monthly basis was required in order to keep the Payment Program. The individual whom I spoke with seemed to insist that instead of them acknowledging they made a mistake, that it all comes back to me taking ownership for the account. I will not take ownership of the account, until American Express starts maintaining consistency with respect to communication and fair use. I will not be held responsible for mistakes that American Express mistakes, and nor should I be made to feel that way. American Express is shamed in doing this and should admit their wrongdoing instead of attempting to turn everything back on me. If I, the cardmember, am not able to satisfy my debts, then that's on me. I'm still going to hold American Express solely responsible and liable for faults of their own regardless of the status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My name is XXXX XXXX, I have a property with Wells Fargo that I purchased with my I.T.I.N number and currently have a short sale offer for. In the past I applied many times for a loan modification but Wells Fargo never granted a modification ; Wells Fargo stated I was not eligible due to social security not matching, so continued to foreclose against me. How is it Wells Fargo allows me to purchase the property but will not allow me a work out option due to my I.T.I.N not matching? 
I decided to list my property for a short sale instead of having to go through a foreclosure. Once a submitted an offer, Wells Fargo suspended foreclosure against me on XX/XX/XXXX. In the final stages of the short sale review, XX/XX/XXXX, I was informed that the short sale buyer needed to submit bank statements to Wells Fargo by Sunday XX/XX/XXXX and Tuesday, XX/XX/XXXX, XXXX XXXX. I contacted him and he was out of town the rest of that weekend until XX/XX/XXXX. Then I contacted Wells Fargo, per XXXX ID # XXXX, I asked him if they would give us more time since the realtors office was closed ; he said to fax them in soon as possible. 
On XX/XX/XXXX the bank statements were faxed. The next day I called Wells Fargo to follow up and they told me the file was closed. When I asked why they said because they received the bank statements on XX/XX/XXXX instead of due date XX/XX/XXXX, XXXX XXXX. 
I pleaded with them and they still refused to continue the review for short sale. Shortly after my home was sold the same day I filed bankruptcy CH XXXX. 
For several months I worked on getting my home back from Wells Fargo, until finally I was granted on XX/XX/XXXX to stay in my home and work towards that short sale. I called Wells Fargo, customer care recovery, to start the process again but I was told it would take until XX/XX/XXXX for them to have an update on the rescission. I attached a letter with the same update. 
On XX/XX/XXXX, I sent the new short sale cash offer for review, I also attached to this letter for proof. On XX/XX/XXXX, I called Wells Fargo for an update on the short sale review, per XXXX ID # : XXXX, informed me that a letter was sent with stating documents were needed to continue the short sale review. I requested the letter to be emailed to my realtor but what we received were no way near asking for documents ( attached proof ). 
On XX/XX/XXXX I was informed by XXXX ID # : XXXX that I had a scheduled auction sale date for XX/XX/XXXX. 
On XX/XX/XXXX per XXXX, did not see any new notes on short sale review then she transferred to the re-entry team, per XXXX he said I was not eligible for a short sale review due to the sale date being so close! I do not understand why my file would be ignored if they had the short sale offer since XX/XX/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 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/2018 I sent this company a letter stating that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. I received nothing back from them and they removed this item from my credit report that was account number XXXX for {$1800.00}. Now they have placed this item back onto my credit report under account number XXXX. for {$1800.00}. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and I am demanding they remove all of these accounts from my credit report from all three bureaus.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Called IC Systems and spoke to XXXX XXXX. Explained that a debt had been reported to my credit bureau incorrectly.I explained I wanted the debt removed from my credit bureau due to me not being responsible for this debt. He told me he could not remove it, he said his client XXXX XXXX is who he is collecting on behalf of. He advised the only way to remove a debt was for the debt to be XXXX XXXX   out. Said he would send his client a letter to validate who the responsible party was for this debt, but could not remove any information until he heard back. When asked how long before I would hear back, he explained he didn't know. Then told me to call them back in a couple of weeks if I didn't hear from them or if I hadn't received any correspondence from their client, who was the original creditor. I asked why i had to wait, since I was not the one that owed them any money. He didn't know.

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 2018-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XX/XX/2013 I purchased a vehicle ( {$15000.00} ) financed by Ally financial. A few months after obtaining the vehicle i found out there was a class action lawsuit on ally for charging 4-5 percent more interest to minorities. I asked multiple times to lower the interest ( 15 % ) but i was told no they cant. After so many attempts i told them to get the car. Now ally auctioned off the car for ( {$7000.00} ) and now I have negative mark on my credit for ( {$7800.00} ). 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/

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 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: AZ

Complaint narrative:
I have been getting a large amount of phones call from multiple numbers for wedt asset management ( only reason i know its them is i googled the number ) never leave a vm. When i answer the call it says please hold and transfers or is an automated system. Previously i have advised this company to stop call me on multiple occasions. I have no clue why they are calling as i have never reicived a notice in the mail from them. I want the harassing to stop!

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 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: NY

Complaint narrative:
For the past 4-5 months I've been using this mortgage company called Intercontinental Capital Group for a short sale mortgage. I have complied with every documentation they required and I still havent heard from them. I have sign closing disclosures, commitment letters, etc. and still we havent closed the deal. I have paid 3 appraisal, XXXX certificates ( 2 ), and they had me and my fiance go for a grant that still havent even been funded. This company has been giving me and my lawyer the run around and till this day we still havent been able to speak to someone about my file and if I really been denied the loan. I have emails, text messages from people in this company stating the deal will be closed and still nothing. Im really scared they used my personal information for their use. Please help me investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi, I noticed back in 2017 I had no inquiries and now when I check my credit report they have reappeared back on there, which has caused my credit score to drop. That is a violation of the FCRA and are inaccurate and invalid.

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 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: OH

Complaint narrative:
Key Bank, XXXX Ohio. Account ending in XXXX On XX/XX/XXXX using a 3rd party ATM I withdrew {$100.00} from my checking account. What I did not realize was that this caused an overdraft of {$72.00} since this was not my main checking account. When I next attempted to withdraw money the ATM told me there were no funds available and I assumed that the account had gotten to the point that the monthly maintenance fees had used up any remaining funds. I did not attempt to use the account again. On XX/XX/XXXX Key Bank transferred {$100.00} from a Cash Reserve account to cover the shortage ( XXXX ) in the account and also charged a {$2.00} ATM withdrawal fee for the transaction on XXXX. This left a balance of {$24.00}. On XX/XX/XXXX a monthly maintenance fee of {$7.00} was charged making the balance {$17.00}. This {$17.00} was then applied as a payment to the XXXX XXXX account bringing the balance to {$0.00} in the checking. On XX/XX/XXXX a {$7.00} maintenance fee was charged and since the account was at XXXX another {$100.00} was transferred from the XXXX XXXX account. So {$100.00} transferred to the checking minus {$7.00} left {$93.00} back in the checking. Random dollar amounts were then taken out of this to pay the XXXX XXXX account. At no time was I receiving any statements to alert me to this. This went on until I began getting phones calls from Key bank that I had a past due balance. I ended up having to pay {$400.00} on XX/XX/XXXX to keep from getting any more late fees and late notices on my Credit Report

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an offer to apply for a XXXX XXXX XXXX credit card and if I spent {$2500.00} in 3 months ( I spent that in 1 month ), I would receive XXXX airline miles. I am told now since I had a card within the past 24 months, I am not eligible. I never received ANY notice of ANY kind that I was not eligible for the reward before or after applying. If, when I applied, I was told I would not get the reward, I would have cancelled my application. If, after receiving the card, I was told I would not get the reward, I would have never used the 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 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MT

Complaint narrative:
I paid off my AMEX card on XX/XX/XXXX, {$780.00}. The available credit has not shown up as of XX/XX/XXXX, I am leaving tomorrow to North Dakota, and planned on using it to pay for gas. I am also XXXX    XXXX, so i can chat, or email. I can not make a telephone call. When i chatted with support, they said they would be able to remedy the situation, but that I would have to call someone ( another agent ). When i told them that i couldn't do that, they said " well, you are going to have to wait another 4-5 days then. '' Basically, if the problem could have been solved by a person who did not have a XXXX   XXXX, but not by one who has, this is discrimination. They didn't even attempt to help me once I told them I can't XXXX. Game over. They quit. Now I am stranded, and have no money, because I spent everything to pay off that card. In the past, payments were applied immediately, and I was able to use them right away. Had I know this beforehand I would not have done that, I would have kept some cash to pay for my fuel. Now I have no money, a card that doesn't work, and can't get to North Dakota for my job. I feel totally helpless, and completely ignored and pushed aside. They have my money, hostage, and I can't get it back. Please help me, or at least make sure they can't do this to someone else in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I continue to get calls for loan taken out in my name in XX/XX/XXXX with XXXX XXXX. I called the company and police and reported as identify theft. They left a message on my cell XXXX ext XXXX ref # XXXX today XX/XX/XXXX. 4 months ago I called the loan company they said it was cleared and were going to notify collector to stop harassing myself and family. They are threatening with taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Was contacted by credit reporting agency of collection reporting. Never was contacted by Cedar Financial at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Seattle Service Bureau, Inc
State: ID

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX called after I got off a graveyard shift. He was trying to collect a debt. I explained I didn't have the money and not sure about making a payment arrangement due to my situation. He said I didn't seem to want to resolve the issue. I tried to probe further. My thoughts were how do you possibly know I don't want to resolve the debt. He said they would take further action, but didn't say exactly what that is and I feel that is a deceptive practice and dishonest. He also hung up, so I never got to ask what he meant by further action. Is it more calls to collect the debt, lawsuit, etc. I have no clue. Maybe he had no interest in resolving the debt with other means. I hope I can file a lawsuit for either harassment or deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I referred a friend to American Express. The terms and conditions clearly stated that once the referred person applies and gets approved, American Express will post the bonus points to my account within 8-12 weeks. In the past, American Express posted the bonus points immediately after the referred person gets approved. I didn't see any notifications from American Express after the person I referred got approved for 2 cards. They are as follow : XXXX points for American Express Hilton Aspire at XXXX XXXX XXXX XXXX XXXX points for American Express Blue Business Plus at XXXX XXXX XXXX XXXX XXXX The last name of the person I referred was XXXX. 

When I called to inquire about why the notifications weren't sent, the rep claimed that she already sees the email sent by American Express to my friend. This was not correct information as my friend received the link directly from. So, I asked to be transferred to a supervisor. This was on XX/XX/. The supervisor I spoke to was XXXX XXXX from Agent ID XXXX in XXXX XXXX. He claimed that in order for me to get the bonus points my friend needed to do the spending requirement, which was not mentioned in the offer 's terms and conditions. I read the T & C of the offer to XXXX, but he still claimed that my friend needed the do the spending requirement. I asked XXXX if he could read the T & C to me, but he kept dodging around claiming that Every referral offer has a different T & C!!! When I asked him to escalate, he refused. I demand a full investigation of this incident as American Express CS reps are clearly deceiving customers by purposely giving the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a balance of {$10.00} in my account and made a transfer using XXXX from another banking institution in the amount of {$25.00}. After I made the transfer I made a debit card purchase using my pin for {$32.00} and it successfully cleared. This morning I noticed my account had an overdraft fee of {$34.00} because the XXXX transfer was still pending. I feel that it is unfair to have been charged this fee because simply, if the money was not available to use, my debit card should have been declined. I called Chase bank and they explained that I did not meet the cut off time for funds to be available same day. While this explanation makes sense, what does not make sense is how I was allowed to use my debit card with my pin while the funds were not posted because I did not meet the cut off time. I am certain that many people have been in this situation before and it is unfortunate that Chase bank is taking advantage of customers with obscure transaction processing methods.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TN

Complaint narrative:
I lost my job in XXXX and started working again in XXXX, my pay was cut by 3/4 but I took what I could get. XXXX called me over and over and I explained all this to him and told him Id pay when I can. Last Friday I told him I was meeting with an attorney to file bankruptcy and provided him with the attorneys information. XXXX began to call me again yesturday 3 times and today twice within 5 minutes of each other. I have the voicemails saved including the times they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian will not delete a collection account that does not belong to me. I have disputed this item 4 times but nothing has happened I have asked for validation of this item with no cooperation in the matter. The account listed in collection is XXXX. The original creditor no longer owns the property so they refuse to help the collection agency is not responding to the request to validate this debt. I've sent paperwork from the court that proves this item is not mine which has been forwarded to experian for deletion

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