vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Dear Officer, I'm writing to complain about two issues pertaining to the XXXX Credit Card with BoA. 
1. I have not received the card opening bonus ( XXXX XXXX  points ). The phone representatives said the spending requirements have been met and should appear in my account soon, but it's been 3 months. 
2. BoA didn't match the Ad promotion ( additional {$100.00} statement credit ) I found out not too long after applying and requested. It's not reasonable that I fell prey to the tricky marketing strategies. 

As to issue 2, I've tried to contact BoA and explained : I applied for the XXXX Credit Card  via XXXX Website  on around XX/XX/XXXX because I wanted to fly with XXXX  and enjoyed the benefits it offered ( XXXX points ). But shortly when booking on the same websites, the same Ad popped up. But this time the promotion offered additionally {$100.00} statement credit ( along with XXXX points ). I then called to ask BoA to match the {$100.00} credit. They said they would process the request, but then never replied to me again. 

Going back to check the websites again, I then discovered that the Ads on the websites were manipulative/tricky and misleading. Here 's why. On the first XXXX  booking page, the Ad offered a XXXX points. And if you skip and continue booking, on the next few web pages, you will find another Ad there with additional {$100.00} credit on top of the XXXX. How would a customer like me know the difference? This was surprisingly unreasonable and misleading. I feel I fell prey for the first Ad and their marketing strategy. Here I attached two screenshots that show the different misleading/Ads on the same website. Thank you for your 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 explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : Experian I had placed a credit freeze on my account. I need to lift it to apply for a loan and a credit card. I was unable to do so through their web portal. It said that I needed to send them copies of driver 's license, social security card and other ID via mail to get the freeze temporarily lifted, which I did. I did not hear from them but on the portal it showed the freeze lifted. However, the banks I applied to said the freeze is still there. I call at least 8 different numbers for the company and all of them roll into an autobot system that makes you enter a lot of information and then eventually hangs up on you. You can not get to talk to a human. Now I can't get a credit card or a loan. I may sue. for damages.

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 2019-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After having to deal with endless hours battling transunion for them to remove an unauthorized fraud alert / credit freeze I run into another issue with them. 

I recently opened a new credit card account which raised my XXXXx and XXXX credit scores roughly XXXX points to about XXXX. My transunion score went down a huge XXXX points from XXXX to XXXX when it was supposed to raise that score. 

I call transunion and they will barely comment on it. I think something is fishy. 

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 2019-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: DC

Complaint narrative:
On XX/XX/19 I submitted a complaint relative to Amsher Collections Services ( hereinafter " Amsher '' ) a debt collector, relative to attempts to collect a debt not owed. On XX/XX/XXXX, AmSher provided a response indicating that AmSher requested validation and billing statements from the client XXXX XXXX XXXX. On XX/XX/19, AmSher provided a follow-up response advising that their client XXXX provided validation information that the claim was unsubstantiated. However, upon review of the documents provided, the documents do not validate the information by XXXX, rather XXXX merely provided four bills for services in my namebills that I have and continue to maintain were opened as the result of fraud. The existence of the bills in my name do not validate specific information supporting the authorization of the accounts. If XXXX can not validate that I expressly authorized the opening of these accounts, then I must be absolved from further liability and they must be removed from my credit reports immediately. To date, the AmerSher collection account remains on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I have Appealed this debt with my insurance and am waiting for the appeal process to complete. this creditor calls up to 12 times a day, even though I have asked for paperwork and paper billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
In XX/XX/XXXXI was working for a company and making XXXX a year ; the company folded in the midst of the economy crash and XXXX here in Arizona. I had a couple of credit cards at the time that this happened. I continued to try and pay those cards but eventually I couldn't afford to do that. I stopped making payments and let the cards lay as they may. I had no choice. I didn't want to file bankruptcy but things were aiming that way. When all was said and done I didn't have to file bankruptcy as I only had one company file a judgement against me. 

I contacted the company several times trying to work out a payment arrangement with them but they chose not too do so. They continued the judgement and somehow got it by default. I was never presented with paperwork or anything until after the fact and then it was too late for me to do anything. The judgement was placed in XX/XX/XXXX. 

They then sent a statement to my employer for garnishment. They started receiving garnishment in XX/XX/XXXX. Then about 3 months ago I started thinking that I should have paid that amount off by now. I asked my employer to print off the totals that had been taken from my checks. I then contacted them in XXXX and asked them to send me a complete report of all debits and credits in regards to my account. 

I heard nothing from them at all but coincidentally the very next paycheck their garnishment was stopped from coming out of my paycheck. I then followed up with a request to receive a complete report of all of my credits and debits from my account. They told me that I would have to contact them by phone. I contacted them and they still to date haven't sent me any reports. 

According to my records I have overpaid them and they owe me money. I have read several online reports about them and this seems to be a continuing process. They hire local attorneys to do all of the intimidating paperwork and don't reply or communicate with you until it is too late for you to reply and then take old debts that have gone away and keep them alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: DC

Complaint narrative:
O. XX/XX/19, I submitted a complaint relative to TrueAccord, a debt collector, regarding attempts to collect a debt not owed. On XX/XX/19 TrueAccord provided a response wherein they requested I provide them with an FTC affidavit to provide to the creditor for an identity theft investigation. On XX/XX/19, I provided via email a copy of the requested document and asked for an update as to the status of the three accounts. On XX/XX/19 XXXX XXXX replied on behalf of TrueAccord and advised that they could not find my information in the systemdespite reporting three accounts opened in my name. On XX/XX/19, I against emailed XXXX requesting a response. On XX/XX/19 XXXX XXXX on behalf of TrueAccord responded via email advising they were reaching out to their client XXXX and would provide an update within 7-10 business days. As of this date, a response had not been received, the accounts remain in my name, and I am no longer receiving response from TrueAccord. If TrueAccord and their client can not provide validation to substantiate that the accounts were in fact opened and authorized by me then they must be closet and I am to be absolved of any further liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Postpone sale date on our home We are interested on the different options that we have available to us. 

Let us know what we qualify for. 

Relocation assistance Deed in lieu of foreclosure Short sale. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX Account # XXXX XXXX XXXX pm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
The institution sent me a fraudulent letter ; in it they said I was pre-approved for a loan of up to {$8000.00} ; however after completing the application I was told I did not qualify for any amount. The problem is that I had to authorized them running my credit check, which deducts points. I always believed pre-approved meant already approved. I wouldn't have even applied if I were not pre-approved ; I was hopeful this loan would help better my credit not lower it. False advertising from part of a financial institution is a fraud and deceit of the worst kind ; because the damage to our credit is already done and all they say is sorry, you are not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
My husband called loan depot about a month ago to refinance our current va loan with them and we were told that it would be possible in a month and that we would get free refi through their company for the life of the loan. We recently called back to hopefully start the process and were told they no longer service manufactured homes and that they would not be doing a refi for us. They are rude, condescending, and hung up on my husband during one of the many phone calls to try to resolve this issue. We were never alerted to this as I feel we should have been.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: First Associates Loan Servicing LLC
State: TX

Complaint narrative:
School closed victim of predatory lending disputes through XXXX XXXX, student cu connect has discharged my loans but refused to erase credit lines on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One Visa CC # XXXX On XX/XX/2019, I reported my card as lost/stolen with a Capital One agent on the phone, immediately right after I received a text message from Capital One asking me to confirm a transaction, and I replied NO. Unfortunately, there was already a charge for the amount of {$3100.00} on the card, which I did not recognize and reported as unauthorized and fraudulent. I received a temporary credit for that amount on my card, after a few days, pending an investigation. Yesterday, XX/XX/2019, I also had a voicemail on the phone from a lady from Capital One, saying my dispute has been resolved, and I assumed in my favour, or I would have been contacted prior by the agent. Today, however, XX/XX/2019, I looked at my CC and noticed a charge for that same amount from XXXX Store again back on my card. I thought this was a mistake, and called the agent on the phone, wondering what is going on. The lady first told me that I have been refunded by XXXX for the charge, but she can not see on the statement, and neither could I. Then, after she placed me on a few minutes hold, she told me that this charge has been determined not to be fraudulent, and you have been re-billed by the merchant. I asked the lady on the phone, as to why I have not been contacted to provide more information or file a police report for the card that was lost/stolen, and I reported it promptly, and the lady had no answers for me other than the fraud claim has already been closed, and she can no longer do anything. She did not have any answers for me as to what information they have observed to conclude this charge was not fraudulent. 

What has happened here is absolutely absurd, and unacceptable. The card was lost/stolen in another country, while I was visiting, there was a charge on the card which was fraudulent, and was reported as fraudulent on the same day that the charge occurred. Nobody has ever reached out to me from Capital One to provide me with information on what new information they have received to deduce this charge was not fraudulent, or to ask me for more information to resolve this claim. This is a violation of my rights, and by law, for unauthorized charges made by a credit card, reported promptly, I should be reimbursed and not be held liable. Please assist me with this inquiry. Thank you for your time and consideration. 

-XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TitleMax LLC
State: MD

Complaint narrative:
TitleMax LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX was the Title/Settlement Company for our Land and Construction Loan settlement on a property in Maryland. We had our first settlement on XX/XX/2019, which was botched because the seller refused to sign the settlement paperwork. We had our second settlement on XX/XX/2019, and we thought we purchased a property with a clean Title. We have since learned now 4 months later that our Deed can not be recorded with the County because the sellers refuse to pay a Deed Transfer Tax and  the Title/Settlement Company is doing very little to resolve this matter. We have been following up with this Title/Settlement Company for 3 months to resolve the issue to no avail. We have paid a lot of money for a property, for which we do not have a clean Title or a recorded Deed because of this company 's negligence and possibly fraud. Because of this issue, the County will not issue any permits, which is delaying the construction of our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: I.C. System, Inc.
State: NC

Complaint narrative:
XXXX XXXX has violated HIPAA by sharing my person PHI to I. C Systems INC claiming that I owe amounts of {$1100.00}, {$1700.00}, and XXXX. I.C Systems has refused to remove these accounts from my credit report and have also refused to provide documentation supporting that these claims are mine. My credit score is now ruined due to this.

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 2019-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Date : XX/XX/2019 Transaction : XXXX Amount : {$80.00} I received a product that does not match the description. ( They claimed they were lobster gloves but they are not. ) Seller does not respond, so I tried to go via my credit card company, but there is no way to contact the credit card company. I tried to file a dispute online and on the app but it does not allow for it. I would like the credit card resolve this with the merchant and credit my card for the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My financial aid package, which was tediously setup by the financial aid office at XXXX XXXX XXXX, currently includes a remaining XXXX in private loans and just under 8k in federal loans. I pay {$160.00} ( federal ) and {$250.00} ( private ) consolidated loans to Navient ( formerly Sallie Mae ). I have just over 31k in remaining balance. If I continue paying at the prescribed monthly rates until the loan matures, I will have paid over {$190000.00} over the course of 40 years. This is an egregious amount to pay over most of my lifetime, for a degree that will no longer be recognized as an industry standard acceptable degree from a reputable school. As such, I am seeking some retribution from the company that defrauded me into believing that I was paying a reasonable price for an industry recognized degree in a marketable skillset provided by a well-recognized school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On or about XX/XX/XXXX I applied for a Walmart Mastercard and was offered for a first purchase, a one year interest free promotion. I took the promotion and purchased a TV set. Now the promotion is set to expire on XX/XX/XXXX. I received a statement stating that I still have a balance of $XXXX on the promotion. I called Synchrony Bank (the holder of the card) and talked to XXXX and asked if I send $XXXX for the promotion and $XXXXXXXX for the minimum payment the promotion will be paid off. She said absolutely, so I sent $XXXX. After I knew they received the payment I made a follow up call and was told the promotion has not been paid off only a $XXXX was applied to the promotion and the rest was applied to the rest of the account. I then talked to supervisor XXXX and wanted to know why the promotion was not paid off? She said their policy is to apply the money to the interest account and she refused to pay off the promotion. The terms of the promotion clearly states; To avoid paying Accrued Interest charges on Any DEFERRED INTEREST promotion you must pay at least your minimum payment due if any each month and the ENTIRE APPLICABLE PROMOTIONAL BALANCE BY THE EXPIRATION DATE!  she "REFUSED" to pay it off. And they are also in the process of selling my card to XXXX XXXX  in XXXX  I asked her what if they don't honor the agreement and she said she didn't know she doesn't work for them. Both conversations with them they have recorded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was fraudulently opened by a housekeeper I had who stole my identity. I called and filed a formal complaint with the police department immediately after I discovered that this account had been opened. I have attached a copy of the officers contact information. I did not open this account, nor did I authorize anyone to open this account. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation