vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I received a pre-legal notification letter from midland credit management on XXXX XXXX, XXXX. I owe a XXXX credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.

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 2017-09-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax said my information was breached in their security breach

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED XX/2013

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 2017-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I 'VE DISPUTED THIS FRAUDULENT ACCOUNT AND CONTACTED THE CREDITOR NOTIFYING THEM OF THIS FRAUDULENT ACCOUNT OPENED IN MY NAME WITHOUT MY CONSENT. THE ACCOUNT IS XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPENED 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 non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the XXXX XXXX XXXX all XXXX credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the XXXX XXXX XXXX to demand on my behalf that all XXXX credit bureaus remove all of this Consumer 's XXXX XXXX XXXXs, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX or similarly sensitive information. All relations with these XXXX credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all XXXX credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the XXXX XXXX XXXX for protecting XXXX XXXX information, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All three major credit bureaus have illegally hoarded consumer 's personal information without this Consumer 's expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the Federal Trade Commission to demand on my behalf that all 3 credit bureaus remove all of this Consumer 's social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similarly sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX XXXX from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. The consumer would also like to thank the Federal Trade Commission for protecting her/his Personal information, Family, and Household.

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 2017-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
When I was a student at XXXX XXXX in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX 's office pressured me to refinance consolidate my XXXX and XXXX loans to a XXXX XXXX loan where I would end up being required to pay over {$80000.00} to XXXX XXXX, now Navient, instead of the {$36000.00} to XXXX XXXX XXXX. I was out of work for a prolonged period to care for my daughter who was stricken with a very rare form of XXXX XXXX. XXXX XXXX and Navient pressured me, on several occassions between XX/XX/XXXX and today, to accept forbearance instead of deferment, and now the payoff amount is very high, and I feel that i was pressured and harassed, and that the lender did not work with me to provide me appropriate choices. Now I feel my families financial future is ruined, and I wo n't be able to pay medical bills for my daughter or save any money for my children 's college education. Now I am in default because I have been unable to negotiate an acceptable solution. I have paid the principal and quite a bit of interest, but feel it is unfair to pay Navient {$80000.00} for a loan of {$27000.00}. And it was unfair of them not to allow me to defer payments while my family suffered a catastrophic health care crisis. Please let me know how I can get some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I submitted for a loan modification with Ditech toward the end of XX/XX/XXXX. They sent a letter to my attorney ( because I had filed for bankruptcy XX/XX/XXXX ) dated XX/XX/XXXX. I assume this letter did n't get to my attorney until a few weeks later as I did n't sign and send back info untilXX/XX/XXXX ( they were asking for paystubs and a XXXX ). I called in a few weeks after that and they stated I filled out the XXXX incorrectly. I sent back but updated XXXX on XX/XX/XXXX. My bankruptcy XXXX XX/XX/XXXX. Nothing was rcvd until XX/XX/XXXX by my attorney. It was a letter dated XX/XX/XXXX that stated they would modify but they actually increased my payment not lower it and said payment was due XX/XX/XXXX! So from XX/XX/XXXX until XX/XX/XXXX no correspondence. I have received nothing from them in the mail since the XX/XX/XXXX correspondence. According to RESPA Ditech has violated the law : 1. " a creditor must provide workout options within 45 days of a missed payment '' 2. " a creditor must notify a borrower 30 days after submission of a complete loan workout application if there 's an option to save the home '' Both of these parts of RESPA were violated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XXXX XXXX, XXXX, I opened an account at the local branch of Bank of America near my how so I could get a safety deposit box there. When I signed up for the box, I agreed to allow Bank of America to charge a {$50.00} rental fee for a small deposit box. I never received a safety deposit box and despite several requests, I still have n't received a refund of the rental fee I paid over a year ago. 

I did n't get a box right away. The teller had me return to get a key to my safety deposit box. So I returned and then it was so busy that no one could help me get access to the safety deposit box. So returned on another day and when the staff finally accompanied me to the boxes, it turned out that a ) when I tried my key on the box, it did n't work ; b ) once management retrieved their key and opened the box, we found someone else 's property inside. XXXX promised to figure out the problem and get me a security deposit box. I did n't hear anything back. 

I called and did n't receive any information. I went back to the branch and was told I 'd receive a call. I did n't receive a call. 

I returned to the branch to request a return of the {$50.00} service fee and the XXXX, who was openly rude to me, finally said he could not reverse the fee but would see to it that the fee was reversed by Monday. It was n't reversed. 

I became tired of trying to get this money back from Bank of America. I probably spent XXXX hours over the course of months showing up to the bank, waiting for a teller, explaining the situation repeatedly. Finally, I gave up.

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 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I received a pre-legal notification letter from XXXX XXXX XXXX on XXXX XXXX, XXXX. I owe a jcpenny credit card debt of {$730.00}. I called to ask them for a lower settlement amount. On their website, I saw that it could be settled for {$300.00}. The person I spoke with told me, " there are no deals. I can put you on hold but we do n't make deals ''. I asked her why the website says there are settlement amounts. I told her I ca n't afford {$300.00}. I lost my second job. I told her I might as well file bankruptcy. It 'd be cheaper. She then began to tell me about my bankruptcy in XXXX and how I ca n't file again.. she was rude, vile, hateful and unethical. I called to settle a debt by payments or a settlement and I wound up berated. She asked me which attorney I will be using. I told her XXXX XXXX in XXXX XXXX, mo ... I called back later to talk to a different person but spoke with the same one. She said the account is now in litigation. How is this possible? How are they allowed to speak to people in the manner they do? They are ruthless.

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 2017-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you

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 2017-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
" Collection Agency '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX. XXXX XXXX XXXX claims to be Representing the best interest 's of the Creditor - Citibank N.A. ( Goodyear ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to XXXX XXXX XXXX XXXX which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with XXXX XXXX XXXX XXXX I am under " No '' Legal obligation to any collection agencies, and my written contract was with Citibank, N.A ( Goodyear ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.

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 2017-09-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved. 

I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came. 

My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls. 

As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.

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 2017-09-18 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: AL

Complaint narrative:
My name is XXXX XXXX and I was referred to the XXXX XXXX XXXX back in XXXX. The welcome offer was spend {$1000.00} in the first three months and receive XXXX Skymiles. Additional terms included make a qualifying XXXX purchase in the first three months and receive a {$50.00} statement credit. Lastly, the intro fee would be {$0.00} for the first year and {$95.00} each year after. I was approved for the card on XXXX XXXX XXXX. I met the spend requirements sometime in XXXX. I have called and chatted since then numerous times about not receiving the bonus after 6-8 weeks. I even opened a previous case here at CFPB ( XXXX ) about the same issue and was written by XXXX  corporate with an apology that recognized the issue and said they estimated a resolution on or before XXXX XXXX XXXX. I have waited and waited and waited for these bonus miles. In the mean time of waiting I have missed out on booking a vacation with Skymiles to Hawaii with my husband. I have missed out on booking a Skymiles ticket to go back home for my grandmother 's XXXX. I have been given excuse after excuse and promise after promise. At this point XXXX has breeched a contract and has violated its own terms. I can not and will not recommend XXXX to anyone anymore. It is absolutely atrocious the headache I have had to endure to get what should have been an automatic thing. I have waited now approx 4 months since meeting the spend requirement with no miles, no real explanation without forcing the issue, and no offers of other compensation. Instead each time I get the same tired excuse of, " We have escalated this to our marketing team and they are attempting to resolve this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18 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: FL

Complaint narrative:
I opened an American Express Credit card for my business and made a {$40000.00} purchase the first month ( XXXX, 2017 ). I am supposed to get one point in the Memberships Rewards Program for every purchase made. These XXXX points were never credited. I checked today, to use the points to get airline tickets, and noted the lack. The company refused to instate the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C&F MORTGAGE CORPORATION
State: VA

Complaint narrative:
C & F Mortgage Corporation and/or XXXX and XXXX Bank, XXXX XXXX, Virginia including all of it officers, employees, agents, assignees, successors whether past or present failed to provide notices regarding the consent order submitted in the " United States of America, XXXX XXXX C & F Mortgage Corporation, Defendant '' case no. : XXXX dated as received XXXX XXXX, XXXX and filed on XXXX XXXX, XXXX. The Objection on behalf of the XXXX XXXX XXXX XXXX XXXX 'XXXX attest to not receiving notices. Please attached to previously filed complaint XXXX and XXXX.

Company response to consumer: Closed with explanation