vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-13 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: U.S. BANCORP
State: NY

Complaint narrative:
In early XX/XX/XXXX I received an offer from US Bank/REIMastercard with a limited time offer of {$200.00} gift card, 0 % introductory apr on purchases and balance transfer for 18 billing cycles offer made within 30 days of opening account, so XX/XX/XXXX I applied and was approved on XX/XX/XXXX so last week I go to do the balance transfer and once I hit the complete button I get a message to call customer service regarding completion of the request, so I called the number on the card and speak to a representative from US Bank and was told that I only had one offer and that was for {$100.00} dollars REI gift card not the intro balance transfer I was speaking about and the she told me that she could not assist me any further and transferred me to the underwriting department, who wanted to know why I was transferred to them I explained my situation again and was told to call back in three hour and they would be able to tell me if such an advertisement could be sent out, well I see I was going to get the run around so I decided to contact you agency for assistant.

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 2019-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lending Club Corp
State: VA

Complaint narrative:
I have addressed this fraudulent account previously with both CFPB as well as The Lending Club, unfortunately, the complaint is closed by CFPB immediately upon receiving a response from the company regardless if the issue remains unresolved. This is not an account opened by me. The company responded in XX/XX/2017, indicating that I have not provided them with the required documentation, which is FALSE. I have been in contact with your investigators and have submitted all the information above once again on XX/XX/2017. On XX/XX/2017, I was contacted via email by Mr. XXXX XXXX, who stated he had not received the requested affidavit, I reminded Mr. XXXX that the required documents were sent to his inbox ( XXXX ) on XX/XX/2017. Mr. XXXX responded and stated that he required an incident report be filed as well, I replied informing Mr. XXXX that an incident report was not something I could furnish as per my notarized agreement with the Individual responsible, ( which I provided to the Lending Club ), in exchange for her admittance, I would not file charges. I have not heard from Mr. XXXX, nor any representative from The Lending Club since. The Lending Club has a copy of the signed agreement and all documentation, so I am unsure why they are requesting me to violate a notorized statement. 

This situation has dragged on for many years, and I am desperate to put it behind me. I am willing to work with the company, as I've always been, to come up with an agreement to resolve this issue once and for all. The entire ordeal of having someone extremely close to me cause such chaos, and turmoil in my life financially, mentally, emotionally and professionally has been tough to move past, especially with the remnants of her actions lingering on my credit report, military, and XXXX XXXX record. I ask The Lending Club to work with me to come to an agreement that is both fair and satisfactory to both, the company and myself so this situation can be put to an end once and for all. 

I look forward to hearing from representatives of your company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We are victims of excessive Mortgage Fraud. It appears Attorney 's, Judges, Bank Officials, HOA Members and MANY other agencies are involved. Fraud on both Personal and Commerical Property. The Fraud as led us into Bankruptcy. The Trustee is not doing his job but appears to violate every law in order to liquidate assets ILLEGALLY. The Fraud was uncovered my spouse during XX/XX/XXXX-XX/XX/XXXX. EVERYONE is trying to cover their tracks. IT IS PATHETIC. False Bankruptcy Claims are being filed. So, you can imagine who's involved. We contact companies to validate a debt, you CAN NEVER GET THE CORRECT INFORMATION BECAUSE IT IS FRAUDULENT or they will never file a claim, but payments have been made and stolen and the " CREW '' are continuously brainstorming ways to take us out physically continuously.

ACCOUNT DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I went in store at XXXX XXXX to return an incorrect item I received via an online order ( incorrect item shipped ). The correct item was no longer available. Because the store did not have the correct item to scan for the return, they called customer service and the representative on the phone said she would credit my account the {$42.00} paid ( original charge date of XX/XX/XXXX ). However, that was NOT done. I have spoken to two representatives on the phone and an in-store associate at the XXXX XXXX XXXX location in XXXX, OH and no one has fixed this issue. When the correct item was sent, the receipt said I paid {$0.00}, so I cant even return that! 
When I tried to use their secure message center and typed my message THREE times, it said it was not sent due to an error. It said to call the number, and the number said their office was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I have been trying to make a payment with my mortgage company LoanCare. I haven't been able to pay online and have finally figured out that they transferred my loan to another company and I didn't receive notice that this was going to happen. I looked in my payment history and it says XX/XX/2019-XX/XX/2019 Loan Service Transferred and everything has a XXXX  balance. I have been trying to pay my mortgage for more than a week now and didn't understand why it kept giving me an error message. I have not idea who my new loan servicer is and I haven't been able to make my XX/XX/XXXX payment! I don't want to go into default for missing this payment. How do I figure out who my new loan company is and if they have everything to receive my XX/XX/XXXX payment?

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 2019-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I bought my first home in my early XXXX 's and was financed with XXXX. XXXX went out of business and I ended up with Ocwen. I recall during my application process an Ocwen representative coming to meet me in person. He was a XXXX  male with XXXX hair all combed backwards. I got a call once all my information was submitted to be financed and I was asked to change something on my bank statements by this individual so I could be financed. I said I didn't know how to do anything like that ; he then said he would do it. I get a call back days later that i'm approved and I signed for a 30 year term mortgage. I learn many years later that I'm in a 50 year term mortgage not a 30 year. Also my rate isn't fixed and I now pay over {$1000.00} more per month and the amount I'm paying per month is for a home double the cost of my home. I called Ocwen numerous times about this issue in past few years. I was referred to their affiliate XXXX to be refinanced but they will deny me over the phone and never provide written documentation of denial. I am the victim and fraud and predatory lending practices. I learned Ocwen has settled many of these claims but because I was living in other states in XX/XX/XXXX-XX/XX/XXXX I was never notified about this. Ocwen is presently giving me trouble with being paid for an insurance claim that I have sent them the check but they will not send me the money although all the repairs were completed. Presently I pay Ocwen about $ 4000/month for a home that was finance at XXXX. I would be willing to hire a forensic expert to review my documents to prove that fraud has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: CT

Complaint narrative:
I've tried multiple times since XX/XX/2019 to have my credit reports pulled by XXXX XXXX. They are attempting to do a 3-bureau pull, and resulting with no scores due to the fact that one of my reports is frozen. I believe my Experian report is frozen despite my repeated thaw requests. Both of the other credit bureaus report my status as not being frozen on their websites. The websites are well designed, user friendly, and informative, as I would expect from a company of this importance. Experian 's website does not offer the ability to query status of report availability, only the option to " freeze '' or " unfreeze ''. I have emails from Experian stating that my report has been requested to be unfrozen, but no real confirmation online. It's been five days. 

The complaint : The worst part of all this? There seems to be no possible way to talk with a human at Experian. All of their phone numbers are endless loops of automated prompts to information that can't help me. Every combination of answers leads to a dead end, with no ability to speak with a representative. Further, there seems to be no email address that I can find on the site for customer support. And there of course is no online chat capability. 

Am I missing something? This company has been entrusted with our most valuable personal information, and they are both unreachable and unaccountable. Can someone please help me simply contact a representative of this company?

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 2019-01-13 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: CA

Complaint narrative:
For over a year, I have been trying to get an issue with inaccuration and unverified information removed from my credit report with Equifax. My most recent correspondence to try to fix the issue was sent on XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

The issue stems with Equifax not conducting a " Reasonable Investigation ''. I have provided them information based on what they have sent to me " claiming '' to have investigated. 

The issue comes into place with Equifax stating they have verified information with XXXX. I have provided Equifax the information that XXXX is not reporting the information. I have recently requested additional information into the matter to try to get resolved so I requested another XXXX Report. Even in the report that I received, It's evident that there was no investigation into the matter as XXXX has documented there was " NO RECORDS FOUND '' to verify the information in the past 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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:
On XX/XX/XXXX I notified EQIFAX, XXXX XXXX and XXXX of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/19 requested that an executive member of management ( CEO, COO, CFO, Director, underwriting executive management, etc. ) calls me back directly. The message specifically stated not to have an analyst that handles escalations or a manger of an executive escalations analyst to call me. On XX/XX/19, an escalations analyst called me, in which I refused to continue the conversation. I have attempted numerous times to resolve this issue with an escalations analyst and management of escalations and as of XX/XX/19 still do not have any resolution to the issue. In addition to the horrible customer service experiences with Capital One, there seems to be a major training issue. While asking the same question to different Capital One reps, all have provided a different answer in regards to same question at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: SLM CORPORATION
State: NC

Complaint narrative:
XXXX XXXX has 4 accounts in which they receive 6 payments every month. 1 account has been receiving far too much money resulting in over-payment of {$1300.00}, while another account receives no payments. I have alerted XXXX XXXX  of the issue and told them that they need to reapply the money to the account that was overpaid to the account that was not receiving the proper payment. We have all the supporting documents from my Bank bill pay and they are willing to send them documents dating as far back as three years ago. We have called and spoken with several XXXX XXXX representatives and they have stated they were aware of the issue and that was a problem on their end and that they would fix it. However it has been a month and they have not fixed the issue nor called me back about it, and they absolutely refuse to send an email so that I may have further evidence on their statements.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I notified XXXX, Trans Union and XXXX  of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of 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 2019-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I notified XXXX, XXXX XXXX and Experian of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of 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 2019-01-13 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: OH

Complaint narrative:
These issues are with 2 of the 3 major credit reporting agencies Equifax, and XXXX.

Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX removed them from my report. I have had no success with Equifax and XXXX. 

The collection agency is : XXXX XXXX XXXX XXXX The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. 

Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-13 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: NJ

Complaint narrative:
I received a letter from Equifax on XX/XX/2109, stating that based on the contents of my Equifax credit file as of XX/XX/2019, my credit score is unavailable. I still have no valid current Equifax Credit Score. This is unacceptable and MUST be addressed immediately. I then called Equifax Customer Service and spoke to a supervisor named XXXX around XXXX XXXX. She stated her employee ID was XXXX. Despite answering a series of questions correctly, she refused to confirm my identity and was very unhelpful. Nothing was resolved. Finally, despite the enclosed confirmation from Equifax that they changed my name to XXXX XXXX, I continue to receive correspondence in my maiden name, XXXX XXXX. This is more than unacceptable. We also tried filing a complaint with the Federal Trade Commission. We will follow through once the government is funded. We have filed a complainant with the XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
There were 3 private student loans opened during the time of XX/XX/XXXX-XX/XX/XXXX. These Navient account has been delinquent since XX/XX/XXXX. They were originally Sallie Mae, when Navient took over in XX/XX/XXXX/XX/XX/XXXX they stated that i made a year of good payments and then charged them off. I have since disputed the good payments and had then removed however this will still be appearing on my credit bureaus till XX/XX/XXXX. these should have fallen off in XX/XX/XXXX. Per the fair credit reporting act these should have fallen off seven years after the date of first delinquency and not the date of last payment. Navient is trying to re age my accounts in order to keep them on my credit report longer, which is illegal. I fully give the CFPB permission to speak with Navient on my behalf about these student loans.

Company response to consumer: Closed with explanation