vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-03 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: CO

Complaint narrative:
I was sent an invitation by a friend to apply for an XXXX XXXX card and if approved I would receive XXXX bonus points. Amex did not honor the points. They claim that I clicked yes to open the card without the points. Ive asked for them to provide proof of this and they could not provide any. Why would I open a new card if Im not getting the promised bonus points? Additionally, they charged me a {$95.00} annual fee. When I called to cancel the card they would not waive the fee and close the card. They forced me to move into a lower card in order to waive the fee but charged me a pro ration of the fee from when it was originally charged to the day I was put into the new card. They have been difficult to deal with at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
My loan was transferred to this new company a few months ago. I was in an active COVID-19 forbearance plan. During this time, I've been harrassed non-stop with certified letters threatening foreclosure due to the past due payments. I'm one payment behind because my tenants moved out, but I'm positioned to catch up before the federal COVID-19 protection period ( maximum one full year ) is over ; however, the current loan servicer will only allow me to extend my protection to the end of XXXX. At this point in time, they require me to submit full financial disclosures and go through a full loss mitigation process instead of allowing me the option to extend the full period. I request that this business is reviewed for their predatory practices against individuals protected by the CARES act. I also request that the business comply with the CARES act and allow me to extend my protection without supplying the additional documentation, per the law.

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 2021-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/2020 I mailed a dispute letter to Transunion and it was recieved on XX/XX/2020 and I waited 45 days before I contacted them to see why hasn't my dispute letter, disputing negative accounts has not been processed. Transunion verbally informed me over the telephone that my dispute letter would not be processed, I asked why? and was told to I was being transfered to a manager and the line disconnected. It has since been 60 days and Transunion has not responded, I have attachted the dispute letter and certified receipt that I sent to Transunion.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently received notices of the decision to close my credit card accounts for personal and business ( 2 of the 4 accounts ) : 27 year old, {$51000.00} credit line Account # XXXX 2 year old, {$10000.00}, Account # XXXX The reason stated Irregular authorized activity. Now my accounts are flagged as Bad Status. This is very disappointing for I have never had a negative implications or markers on these account or credit report. My credit history in impeccable. I pride myself on my established and strong credit reporting history and do not take this lightly of this unfortunate and abrupt termination of all my BofA accounts. 

It needs to be noted and high considered that this termination does impact my access to financial wealth, credit accessibility, and relationship with BofA. 

Permission to Add Authorize Users : To ensure I was not in violation of BofA credit card policy. On XX/XX/2020, I called and spoke to a representative named XXXX in the fraud department. I asked was the call being recorded and proceeded to ask for confirmation that it is permissible to add my described persons as an authorized user. She did confirm the call was recorded, and stated my intentions were permissible. 


In addition, I had more than {$400.00} Cash Rewards that is no longer available because BofA forfeited the funds. This too needs to be reversed, and a cash fund that I earned need to be allocated.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Merchant : XXXX XXXX XXXX XXXX Charge Total : {$1100.00} Charge Date : XX/XX/2020 I am trying to dispute above charge as fraudulent but the Citi bank portal is not allowing me to submit a dispute. Furthermore, it is impossible to get past their chat bot on the website and get actual person to discuss with. It seems like there are no way to upload documents to Citi on the portal either.

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 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE 1 INCORPORATION
State: MI

Complaint narrative:
Early to med XX/XX/XXXX I reached out to XXXX XXXX at Mortgage 1 to inquire about a re-fi on my existing mortgage with a cash out option for the purchase of a second home. We went over options and I explained my situation and that I had been with XXXX XXXX since I purchased my home through XXXX and Mortgage 1 in XXXX of XXXX and the mortgage got sold to XXXX XXXX. I told him I loved XXXX XXXX and was only interested in doing a re-fi if I could stay with them. He assured me that would not be a problem. I did not re-fi directly with XXXX XXXX because due to covid, they are not doing the cash out re-fi options at that time. So I proceed to re-fi with Mortgage 1 and XXXX and his staff. I regularly made it known that I wanted to stay with XXXX XXXX and each time be it text, email or phone call, I was assured that would not be a problem. At closing, I brought it up to the lady I signed with once again to see who I write my first payment to in XXXX as closing was XX/XX/XXXX. She said to call the office in 10 days to see if it is Mortgage 1 or not and we left. On XX/XX/XXXX, I received an email from XXXX 's office stating my mortgage was bought out by Mortgage 1 and all my online information was enclosed to access my account. I was furious. XXXX had lied to me over and over just to get my business, and I am not sure how much money his office made off my re-fi but he did not give me what he promised me over and over. I am so diasppointed and If it wasn't so much for closing, I would re-fi with XXXX XXXX now just to get away from Mortgage 1. I feel XXXX lied to me and made promises to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Submitted non-refundable {$500.00} application fee to Amerisave Mortgage in order to refinance my mortgage at a better rate. Once I paid the fee and competed the application process, my loan officer stopped communicating with me over the phone. What little phone communication I did have my officer ( XXXX XXXX ) kept telling me my loan was " 100 percent complete '' and he didn't need anything else from me. Then I would get email requests for insurance documents. The documents requested were confusing and unfamiliar to me. When I would call to ask questions, he wouldn't answer the phone or return my calls. When I finally did speak to him, he again would say he didn't need anything else and to ignore the requests for documents. Often after speaking, I would get an email from his " assistant XXXX '' asking for the documents he just told me he didn't need. This went on for a few weeks, until I responded to " XXXX '' ( who never spoke to me or answered questions and who I think was a robo ) that I had just spoken to XXXX who told me again to ignore the document requests and I was tired of going around in circles with them over the documents they wanted but wouldn't answer questions about. Right after that my loan status was changed to " cancelled '' without explaination. I lost my {$500.00} application fee to uncooperative finance company. Amerisave Mortgage are unethical thieves.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATEXXXX XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2021-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXXXXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a copy of two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS:XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ***** PLEASE REMOVE THIS ADDRESS FROM MY CREDIT FILE XXXX XXXX XXXX KY , XXXX XXXX XXXX , FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I just received an email from Chase Bank regarding my Chase Amazon Visa Card. They are updating their terms to roll in a new 'Penalty APR ' of up to 30 % if you are unable to pay the minimum balance due - this goes into effect on XX/XX/2021. Previously the maximum APR was 23.74 % I believe ( I got the agreement off your website, Chase does not make it available online ). 

They are also expanding the definition of a cash advance to apply to many different types of cash transfers that will impact a lot of people negatively. 

Seems like a way for Chase to capitalize on people struggling to make ends meet during the pandemic. I am very concerned about the effect this is going to have on people who have been less fortunate during these difficult times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XX/XX/2020 someone used my information to secure a line of credit or loan with XXXX XXXX. 
It is on my credit report and damaging my " Excellent '' credit rating. 
It was for {$1200.00} and has never been paid. I have never had a line of credit or loan with XXXX. This debt is fraudulent and not mine. 
There were aka names on my credit report that are not mine. 
There are address on my credit report that are not mine. 
There are phone numbers on my credit report that are not mine.

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 2021-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TN

Complaint narrative:
I paid my Discover card account XXXXwhich paid it off IN FULL XX/XX/XXXX. In XX/XX/XXXX I received an alert from XXXX that I had a 30 day late for Discover. They claimed that I owed XXXX worth of interest that was charged to my account. I never received anything saying that I still owed them money. So I went to the website to look it up. I paid it immediately. I don't think that it's fair to reflect a 30 day late on my credit report for less that XXXX in INTEREST that I didn't even know I owed. I thought my account was paid in full and was closed. This immediately dropped my credit score by 34 points. It does not show a true picture of my credit worthiness when the 30 day late is an error of only XXXX. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.

Complaint narrative:
I began receiving unsolicited email regarding a MoneyLion account with my email address. I do not have a MoneyLion account and had not heard of them until I started receiving emails yesterday. I have tried contacting them and received no response. 

Yesterday, they put {$50.00} into the account, today another {$25.00}. What is going on? I have not asked for this and do not want it. 

This is fraudulent use of my email details and I want it stopped and investigated. MoneyLion do not seem to be interested in helping me. 

The emails are being sent from XXXX and are address to me personally. Extract from the latest email below that was address to me : - Happy birthday month! To wish you a very special birthday, we're giving you {$25.00} extra in Instacash advances. Enjoy the boost to your XXXX limit now through XX/XX/2021. 
Thank you for being part of the MoneyLion family! 


My birthday is not in XXXX. For obvious reasons, I am not saying when it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
On XX/XX/XXXX Foster and Monroe was contacted in reference to this debt. I spoke with a gentleman named XXXX XXXX. He stated that the amount owed was {$13000.00} however with interest added the amount added up to {$37000.00} which dated back to XX/XX/XXXX. As of today I have not received any correspondence from the company. 
According to the FDCP act the company has not validated this debt, the account is well beyond the statute of limitations, they have re-aged the account and they have added a substantial amount of interest on the original debt which was originally {$13000.00} but now its {$37000.00}. There should be paperwork provided with what they are stating instead of a verbal response or written response to validate this. It is unfair for companies like this to abuse consumers let alone someone who served their country. This debt should be deleted immediately. This is an illegal tactic that collection agencies use. When this was purchased, the collection agency can not re-age the account to restart the clock. 
After filing one complaint the company responded on XX/XX/XXXX, stating that I had made no attempts to contact them. This is false information due to the fact that I have definitive proof that they were contacted. I am forwarding a letter to the State Attorney General and will be contacting the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I contacted my local branch office ( TD Bank ) on XX/XX/XXXX to pay off a personal loan in full. I was informed this could only be done in person. On XX/XX/XXXX I went to my local branch and made a payment for the balance of the loan. I returned home that night and checked my on-ling banking, the loan was no longer listed. Two days later I checked my on-line banking and saw the loan had been re-opened and an additional monthly payment ( {$390.00} ) was taken out ( XX/XX/2021 ). 
I called the bank to discuss this mistake. They explained it would take several days but the money would be returned to me shortly either by transfer or check. As of XX/XX/XXXX I had not yet received the surplus withdrawal back to my account. I called the bank again and was told the payment would be going out by check and I would have it within the week. 
As of XX/XX/XXXX I still have not received the payment. I called again and was told that the check was processed on the XXXX and I should receive it soon. 
While I hope this is the action that will occur I am unsure at this time. Having been lied to multiple times now by the bank and having them repeatedly change the date of the return of my money I decided to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently viewed my credit report and noticed inaccurate information and contacted Experian to update and correct my person information. After speaking with 2 representatives I was told that they could not remove any addresses and a wrong name from my credit report. I have never lived at the addresses that is reporting on my credit report. The addresses are showing three different states that Im not affiliated with nor have no knowledge of. I would like for these addresses and name to be deleted and removed immediately. 
Please delete to following addresses and name from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, LA 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