vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-18 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: CO

Complaint narrative:
I have had extreme difficulties in dealing with AmEx previously that were successfully resolved through the cfpb in XX/XX/XXXX. I was very happy with those results and felt that the outcome was very fair. However, when I had my credit score rechecked, AmEx now has deleteriously attributed a late payment from my husbands account to me. AmEx clearly states in their cardmember agreement that the primary card holder is the guarantor on the account and that any cards issued to other individuals are using those cards at the risk to the credit of the cardmember. I did have a card issued to me under his account back in XXXX although my card expired in XXXX. The payments in question are in XXXX. These charges and delinquency should never have been attributed to me and they have damaged my credit score to the point that we are unable to qualify for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX a person transferred {$1000.00} into my chase checking account via Chase XXXX. On XX/XX/XXXX my account was frozen due to it being reported as a fraudulent transaction. I was never contacted by the fraud department about the account being frozen, I always had to contact them. Their answers were always vague. I submitted all documents I could supporting my side of the situation. XX/XX/XXXX the fraud department removed the funds from my account. I received two letters, one stating it was an ATM issue and second stating it was due to an unpaid check. Both letters do not correspond to what actually happened. I contacted the fraud department to get a letter actually stating what happened and they said they couldn't because they can only send out computer generated letters. I asked if they could write me one and they said they can only send out computer generated letters that I already received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: VA

Complaint narrative:
I previously had an American Express XXXX XXXX credit card. I cancelled that card. American Express then offered me a sign up bonus for their new XXXX XXXX XXXX. I paid {$75.00} dollars XXXX annual fee ) to get this new card. The new card has a different name, different features, a new sign up fee, and also looks different ( XXXX, etc ). On the cards terms and conditions It states that the sign up bonus is not available to applicants who have had this product. XXXX is not giving me the sign up bonus for the XXXX card because they incorrectly claim that the XXXX card and the XXXX card are the same product. For the reasons stated above they are not the same product and American Express should give me my sign up bonus or refund the {$75.00} I paid for the new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I was in the process of buying a car and found out my birth date was wrong. It was shown that my birth date was in XXXX ( don't recall the date ) not my real birth date of XXXX XXXX. What I would like to know is how my birth date got changed and why I had to correct it with one of the credit reporting companies but I had to sent a copy of my drivers license to them to prove the correct date. I didn't like the idea of sending it to them possibly a way of my identity being stolen. How did this information get changed to begin with. Euquifax was the credit outfit I contacted and that was a production dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
My husband became ill in XXXX and we subsequently obtained a home equity loan in order to help pay some of his medical bills. We were able to continue making payments without compromising our other bills until he passed away on XX/XX/XXXX. I have been trying to sell the home ; however, I have not been able to secure a contract for its sale and I am struggling to make the payments now that I no longer have my husband 's income. I have tried numerous times to contact ditech at the number provided on its statement ( XXXX XXXX, but only wind up being placed on hold for hours on end only to either become disconnected or remain on hold for eternity. I'm at my wits end at this point and don't know what to do ; however, I will not be able to make any more payments on this loan. I really need to speak to someone at ditech to either modify this payment or assist in someway. I will also be mailing a letter of hardship to this company, but I wanted to try to reach out to someone first. 

My phone number is XXXX or you may reach my realtor at XXXX. You may contact either number anytime. 

The company that has this loan is as follows : ditech, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. 

Sincerely, XXXX 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 2018-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Collection Professionals, Inc.
State: MN

Complaint narrative:
I would Like to File a complain On ADVANTAGE COLLECTIONS AGENCY. On XXXX I sent In a certified letter to this company asking for debt validation This company have failed to attempt to respond. Per the FCRA & the FDCPA I have every right to ask for Proof that this debt they claim belongs to me. It's been 30 days I have not heard back from this company therefore I'm entitled to take XXXX action on this matter. If this company has Place this on any of the Major credit reporting agency I asked that this be deleted XXXX. 
XX/XX/2018 ORIGINAL LETTER SENT VIA CERTIFIED MAIL Dear Sir/Madame : I am writing to request additional information pertaining to your recent correspondence XX/XX/18. Please be advised that I am not refusing to take care of the account obligation, but as per the Fair Debt Collection Practices Act I am requesting a validation on the balance owed on the account. 
At this time, I am not requesting a verification of my current mailing address, I am seeking information about the obligation I have to the claims being made concerning an outstanding debt. I would like a written confirmation of the following information : The amount you claim is owed The detailed calculation of the balance you say is owned Copies of the signed agreements showing this account is my obligation Copies of judgments if applicable to the account Proof of the time/statute of limitations pertaining to this debt Proof of your companies licensing to collect debts in my state, as well as licensing numbers and your Registered Agent Any credit Application with my signed signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing this complaint because of deceitful if not illegal practices regarding the short sale of my property. 

1. OnXX/XX/XXXX after seven months in the short sale review and negotiation process, I received a written short sale counter offer from US Bank in the mail. 
2. The counter offer was to increase the purchase amount to no less than 95,000 and the facts in [ my ] application have remained the same. 
3. I accepted the counteroffer in writing and submitted as requested a valid Purchase Agreement [ ] byXX/XX/XXXX 
4. I included a settlement statement reflecting the conditions of the {$95000.00} price and all else remaining the same. 
5. The consideration for this agreement was an additional {$7700.00} in net proceeds to US Bank over my previous offer.

6. US Banks BPO on the property came back with a {$95000.00} valuation 7. OnXX/XX/XXXX I was informed that US Bank reneged on its own counteroffer noting an investor decision. 

In following up on this news, my attorney and I were told to call XXXX XXXX and discuss the issue with them. XXXX XXXX said because the short sale was in a foreclosure process, they could not talk to us. The agent said that an attorney needed to speak with another attorney at US Bank and referred us to the Legal Department at US Bank. They instructed me to call the toll free number for customer service and ask to speak with the Legal Department. We did that. The customer service agent at US Bank told me that she could not transfer me to the Legal Department because my account was flagged as mortgage assistance point, e.g. in loss mitigation. 

Instead, she transferred me to Loss Mitigation, who transferred me to another associate, who transferred me to one supervisor who transferred to another supervisor, who transferred me to a customer advocacy associate. The customer advocacy associate indicated ( as did the others ) that it was the negotiator who has the communication with the investor. We asked to speak with the negotiators supervisor and were told he would get back to us, but he would probably not be able to help because it was an investor decision. We were told the offer is rejected, but not denied. At that point, the customer advocacy agent advised me to file a complaint with the Consumer Advocacy Department. I did a week ago and have not received even an acknowledgment that the complaint was received. 

My position is that we have a legal and binding contract. US Bank sent me a counter offer, I accepted it and increased the price as consideration.

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 2018-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I have been disputing with Receivables Performance Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. My credit report, as of XX/XX/18, shows XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Receivables Performance Management at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get XXXX XXXX to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2016 a balance of {$13000.00} appeared on my Transunion Credit report. I am challenging Transunion to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.

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 2018-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This loan was over five years ago with Bank Of America. I finally managed to get a home loan modification with them but then they promptly sold my loan to another company with whom I have been making on time payments ever since.

I have asked and asked that the Bank Of America be taken off my credit report because at the time I fell in a hardship. My brother had died and I took in my mom who is the widow of a XXXX  XXXX vet. BOA refused to help me at all and I had to fight two years for the home loan modification. 

I have called and called about having this taken off my credit report due to hardship. Their customer service is very rude and refused to help me. 

I hired XXXX XXXX to help but they met with much the same response. 

All I want is this off my credit report. I really need help with this because every time I call in their customer service is quite rude to me. 
I no longer have the documents they should also have as it has been over five years.

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 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have filed a dispute quite a few times that the state lien on my credit report is not accurate in balance nor does it contain the required information to be reported on my credit report. The CRAs have agreed to remove tax liens from credit reports based on the " XXXX XXXX XXXX XXXX '', part of which includes a new policy to exclude from their credit reports any tax lien or judgment that does not identify the name, address, and at least the date of birth OR the social security number of the consumer. The lien information I have does not have the correct information nor is the balance on my credit report the same.

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 2018-02-18 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 — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX I paid off the balance of {$560.00} on my XXXX XXXX ( XXXX XXXX ) credit card. In XX/XX/XXXX I was charged a finance fee of {$12.00} which was also paid. So, In XX/XX/XXXX I  had a {$0.00} balance on my credit card. In XX/XX/XXXX, after I paid off my balance, I was charged a {$2.00} " minimum fee '' of which I was never notified. I was charged a Late Fee of {$27.00} ( for XXXX ), a Late Fee of {$32.00} in XX/XX/XXXX, along with {$2.00} " minimum charges '' for those Months. Finally in XX/XX/XXXX I received a voicemail from XXXX XXXX stating that I had an account that was past due. Needless to say I was surprised but I went ahead and paid my account balance of {$92.00} on XX/XX/XXXX ( all from a {$2.00} minimum fee ). I made up my mind to close my store card but before I could I received my updated credit report for XXXX. My credit score dropped 47 points! All from this matter with XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX to complain about this matter and hear what this {$2.00} minimum fee was about and all I was able to achieve was a credit of {$32.00} to my account. I have been watching my account closely and there has not been a {$2.00} minimum charge for XXXX, which has been charged the first or second week of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I dispute an account XXXX XXXX with all the bureaus. XXXX and XXXX deleted this account from my credit files due to my proof. On XX/XX/18 I faxed a follow suit letter and proof to Experian. On XX/XX/18 I called when I was at lunch, and was speaking to a XXXX, and told him that I wanted to know the status of the follow suit letter that I had faxed in. I did not give him the date yet, and he looked into my file and said " the dispute from XX/XX/18 '' at this point I got disconnected from hi, and boy I wish I didn't get hung up on. I immediately called back and got a different female rep. Told her that I was speaking to XXXX about a dispute and she said that Experian does not have a fax to a in dispute information. I than told her that I have faxed Experian many times and on my fax machine when sending the fax it even says Experian. She told me that she could dispute it with me over the phone, and send it over to the creditor. I am not trying to dispute with the creditor, XXXX XXXX, I am trying to get Experian to follow suit with XXXX and XXXX to delete from my report. I called XX/XX/18 again and spoke to XXXX and again was told that he could dispute it, I told him never mind because I did not want to dispute with company and I will just submit online and upload all my documents. I did this. I have not heard or got any notification that they have received my follow suit letter ro anything.

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 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2016 a balance of {$13000.00} appeared on my XXXX Credit report. I am challenging XXXX to verify this account Per ( Section 609 Of The Fair Credit Reporting Act ) This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting.This section of the FRCA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation ( Whatever I filled out and signed upon opening the account with the reporting creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX a balance of {$0.00} from XXXX XXXX XXXX   appeared on my Transunion and XXXX credit report. I am challenging Transunion and XXXX  to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

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