vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-17 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX, I applied for the American Express Gold Card with the promotional offer ( spend {$2000.00} in the first three months and get 50,000 Membership Reward points. Also, get up to a total of {$100.00} restaurant tips reimbursed in the first three months ). Note that this credit card has a hefty annual fee of {$250.00}, and I sincerely believe that the promotional offer was one of the biggest reasons that I applied for the card and wanting to become a long-term AMEX customer. 

Yet, when I noticed that my restaurant tips were not reimbursed and contacted the consumer service ( on XX/XX/XXXX ), I was then notified that my card-opening promotional offer was declined and there's no way of re-approve my promotional offer. 

During my application, the application specifically stated that the application that I have submitted came with the promotional offer. In fact, the promotional offer was on the side both when I was typing in my application information and after submitting my application information. My application was instantly approved within 1 minute of submission. Yet, I was not notified of any rejection of my welcome offer either during the application or after the application approval. My notification of promotion offer rejection only came after I contacted the consumer service about it on XX/XX/XXXX. 

I find Amex way of promoting credit card applications fraudulent and misleading. I felt being lied to. Such behavior from AMEX is truly disappointing and insulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
Portfolio Recovery Associates XXXX has been contacting me about a debt they say I owe them, I have never done business with them, nor do I owe them any money, no credt has been extended nor any services ever rendered to me from this company. They have been calling my work place during working hours. Account # XXXX. I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between PFR XXXX and I that im responsible for the debt on this account. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

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 2018-11-17 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: IL

Complaint narrative:
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

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 2018-11-17 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: AZ

Complaint narrative:
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

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 2018-11-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America Credit Card & XXXX XXXX stolen 2+ years ago. Companies continue to attach fraudulent charges to my account. I have spent many hours on the phone disputing these charges. Most recently, B of A sent me a physical letter saying that they would reimburse me for {$33.00} worth of XXXX XXXX in XXXX. I live in XXXX. That was the only charge on the statement. They have not done so as of XX/XX/2018. Today I received a new bill for {$35.00}. I have good credit. I dont want this bad Credit Card policy to affect my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-17 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: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

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 2018-11-17 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: AZ

Complaint narrative:
These accounts are being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: VA

Complaint narrative:
I keep getting fraudulent information on my account even after they have the evidence. They remove it, then put it back on. They they let another company buy it and report the same inaccurate information. I've asked for copies of original contract with my signature. Payment history and all documents and also how the information was verified. They can't give me any documents because they don't exist. Remove, delete, and block those accounts. I've given several 30 day noticed and now am only giving 5 days  because you have supplied inaccurate information to companies requesting my credit report. I am now seeking civil damages for reporting inaccurate information. 
XXXX XXXX XXXX XXXX - {$17000.00} XXXX {$13000.00} XXXX- {$6200.00} XXXX XXXX - {$490.00} XXXX- {$700.00} XXXX XXXX- {$0.00} balance, paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Please remove this account from my credit report XXXX XXXX XXXX, here is a copy from XXXX XXXX XXXX asking you guys to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thaddeus Bechtle Attorney at Law, LPC
State: VA

Complaint narrative:
Attorney Thaddeus Bechtle, finally returned my call and immediately told me he did not have time for this XXXX, he told me, " I would not let you send a check to my office, I am going to file a law suit/judgement before the statue of limitations, you don't want to talk to my staff. I am going to sue you, and I will not take your money, I don't care if you pay or not. He also said " you can mail the money in but I a not going to take it. I asked Atty Bechtle to please stop cussing and being rude as I was trying to be professional and I needed information about how much I can pay and where to send the money. He just keep saying " goodbye Miss, goodbye and I don't care. Later that day I found out that he contact XXXX XXXX XXXX, whom he works for and told XXXX in collections that he will go to court. ***I contact Atty Bechtle 's office over a month ago when I found out about this debt, I first spoke to Ms. XXXX who was awful and I exercise my right not to speak with her which Atty Bechtle ageed to it was that point he agreed I would pay {$100.00} a month. I am terrified of what he will do to my credit, my personal information, my life. 
How do I pay this debt, if he will not take my money? I filed a compliant with OAG and XXXX. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: Innovis
State: NV

Complaint narrative:
Please remove XXXX XXXX XXXX from my credit report, here is a copy of the letter from XXXX XXXX XXXX asking the credit bureaus to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: TX

Complaint narrative:
This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Customer service would not help take care of these inquiries reporting to my credit report. 
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 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 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

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 2018-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
Was sent letter claiming to owe without any documentation of charges. I called them and demanded a full breakdown of charges and a copy of any signed approval document that I ever agreed to these so called charges. Company has Never provided proof of charges or even attempted to resolve these bogus demands. I recently sent another request for proof of charges and now this shows up on my credit report damaging my credit. This Company is a fraud for reporting illegal charges never approved by me. I even called the hospital and they referred me back to Helvey and Associates who has never tried to provide me documentation of debt, because they cant get any as the Dept is not owed and never was! I am asking to have this damaging disclosure immediately removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This company sent me a letter stating that they couldn't open a bank account due to information below. When I contacted the company they have yet to send me a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: TX

Complaint narrative:
Customer service would not help take care of these inquiries reporting to my credit report. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MRS BPO, LLC
State: TX

Complaint narrative:
This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
I am writing to you today regarding my account with BMW Financial Services. It would seem that BMW has a practice of not counting months as 30 days ; thus, use irregular months ( months that are 31 days ) to count from one month to the next ; thus, this unfairly creates 30 day late payments to their customers. For example, at BMW Financial if one pays XXXX the XXXX one month and XXXX the XXXX the next month is not 30 days they count it as 31 days. Ive never done business with a company who does this most companies Ive done business with uses a rolling thirty days no matter the irregular months ( which is wise ). Because of this practice, BMW Financial Services has negatively impacted my credit rating with a 30-day late payment on my credit report. Furthermore, if this is their practice they should inform customers of this fact : I never received any written correspondence that reflects this practice or formal notice of this policy. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies ( XXXX, XXXX & XXXX ). My car payments are due on the XXXX of every month and recently I changed to the XXXX of the month. There seems to be a technicality or a mistake with a late payment of 30 days for the month of XXXX on my credit reports. In the month of XXXX there was 31 days in the month ; thus, making my XXXX payment on XX/XX/18 resulted in being 30 days ; however, paying the same day ( XXXX ) of the month prior in XXXX ( XXXX payment ) resulted in being 29 days. This is an unfair a deceptive practice of credit reporting - especially for someone planning to make a payment on the same day every month. Further, extremely hurtful to customers intentionally or unintentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a dispute with Capital One and sent a rebuttal regarding the merchants responses with evidence the merchant XXXX XXXX XXXX XXXX XXXX XXXX did not observe local and federal laws in addition I am entitled to reimbursement. Capital One having failed or refused to respond or acknowledge receipt of the rebuttal within the time frame allowed in violation of state and federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo and my wife and sign a 15 year fixed 4.75 apr in XX/XX/XXXX, for 9 years We have made all payments on time and xtra principal payments to Wells Fargo, In XX/XX/XXXX they are staying that WE REFINANCE THIS LOAN!!! WE NEVER EVER DID!!! IT MAKES NO SENSE, WHEN WE WERE MAKING ALL OF OUR ORIGINAL LOAN PAYMENTS ON TIME, PLUS XTRA PRINCIPAL TOWARDS THE ORIGINAL LOAN, WE WOULD NEVER COME OF OUR 4.75 apr LOAN!! ... ... WE HAVE REQUESTED FROM WELLS-FARGO MY PAYMENTS HISTORY, AND HAVE YET TO RECEIVE IT. THEY ARE STARTING A INVESTIGATION ON THIS, BUT HAVE NO ANSWER TO HOW THIS HAPPENED. IF THEY WOULD HAVE APLIEAD THE XTRA PRINCIPAL PAYMENTS AS THEY CAME IN OVER THE FIRST 9 YEARS, IT WOULD HAVE CUT MY ORIGINAL LOAN TERM DOWN TO 12 YEARS!! But they are staying that a refinance on this loan was done in XX/XX/XXXX, for XXXX for 15 years, to XXXX at 3.65 apr. then applied the extra principal payments to this LOAN THAT. WAS FRAUD AND FAKE, TO MAKE THE LOAN TERM TO XXXX!!! THIS MAKES NO SENSE!!! AND THE TERMS OF THE ORIGINAL LOAN WOULD BE FINALIZED THIS YEAR, XX/XX/XXXX. I RELIZEAD THAT FOR 6 YEARS WE PAID A LITTLE LESS FROM OUR ORIGINAL LOAN, AND DID NOT CATCH THE MISTAKE OF THE LOWER PAYMENT, BUT WE SHOULD I FILLED THE ORIGINAL LOAN IF THE FAKE FRAUD WAS NOT PLACED ON OUR ORIGINAL MORTGAGE.

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