vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: WA

Complaint narrative:
Am a membership rewards member with American Express. Points have been frozen as my account is under review to make sure my purchases fall in-line with their guidelines.

On XX/XX/2018, I filed a complaint with CFPB. See, " CFPB Ref No : XXXX ''. American Express responded on XX/XX/2018 with a letter stating that all XXXX MR points have been released and are available for redemption and transfer. See letter, " Ref : XXXX ''. Called American Express customer service. Nothing they can do on their level.

Unfortunately, my points are still not usable as per letter. Filing a new complaint to get this resolved as soon as possible. This is my second complaint sent to American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/2018, my husband and I submitted the final pay off balance on our auto loan during business hours online on the exact same day late charges and additional interest fees WOULD HAVE BEEN CHARGED had the payment NOT been credited by midnight the same day. Our payment posted and was credited to the account the same day BEFORE midnight. The late charge and additional interest was also adjusted. 

Our issue is the company website forced us to submit a final payment that included the additional charges, but when our payment was submitted timely ( and charges adjusted ), it never refunded the additional money it collected back to us. 

We contacted the company in early XXXX to find out when we should expect the refund, and the company denied owing us anything. After further conversation, we were transferred to another department that indicated that a claim would be initiated, we would be assigned a representative ( who was suppose to contact us within 48 hours ),  and the account would be audited. It is now almost XXXX and we have heard from no one as of yet. So much for 48 hours.

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 2018-08-29 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: Avant Credit Corporation
State: IL

Complaint narrative:
I sent countless of forms of correspondence to credit bureaus and to Avant that this account is not mines. This account was open in XXXX and closed in XXXX. I have been battling this issue for years. I have requested documents to proved this accounts belongs to me and they only provided a billing statement. I requested signed documents requesting this accounts to be open and Avant provided a billing statement. I requested identification of the person who open this account, so I can filed a proper non emergency police report and Avant once again provided a billing statement. To make matters, since XXXX they have be reporting on closed unauthorized account damaging my credit scores. When I sought out legal advice, I was informed to place a complaint with CFPB, before administratively moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
IN XXXX my husband and I got a secured loan through XXXX XXXX XXXX that had four properties as collateral for this loan ( XXXX ). This mortgage was bought by Ocwen who we continued to pay for until XX/XX/XXXX when we paid off the loan in full. We never missed a payment, always paid on time, and paid all owed taxes in escrow as they asked. We PAID OFF this 16 % loan in FULL on XX/XX/XXXX. Recently, we are selling three of these properties ( XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, PA and XXXX XXXX XXXX ( XXXX XXXX, PA ). We have found that OCWEN FAILED to file satisfaction for any of these properties. We have a closing scheduled for within a week ; only to find that we can not close because Ocwen ( even though they have had a YEAR to file these MANDATED PAPERS ) has FAILED to CLOSE PROPERLY by not filling these satisfaction papers in either XXXX XXXX, PA ( where XXXX and XXXX are located ) or in XXXX XXXX, PA ( where XXXX XXXX XXXX is located ). My husband is having XXXX XXXX XXXX that we need these monies for and can not complete the closing because Ocwen ( even with NUMEROUS calls ) refuses to do. Infact even after getting TWO attorneies involved OCWEN refuses ( even though I granted permission for them to talk to these attorneies ) to return numerous attempts at resolving this issue. My understanding is that these satisfaction fomrs should have been filed in the appropriate county office within 90 days. It has been a YEAR ( 365 days ) and they are  still not filed. In addition, Ocwen is asking ME and my Attorney for information on my account ( claiming they can not find my loan information ). We have faxed, called, and tried to get this information to them ; with no response and no immediate action. We may very well lose these sales due to their not doing what is MANDATED for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TekCollect Inc.
State: GA

Complaint narrative:
On XX/XX/2018, I answered my company 's phone and was immediately talked to in a ugly manner. I stated that my AP manager was at the post office and my CEO was in a closed door meeting. He stated " woman get out of your chair and go open the door ''. He then proceeded to threaten to sue me personally and have papers served on me. I asked for his information ( name, number and the spelling of his company name ). He refused to give this information to me. I let him know that I would be able to help him without this information. I hang up the phone and he immediately called back. My AP Manager just walked back in to the office and was able to answer the phone. He told my AP that he was planning on suing me again. 

TekCollect XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
Back in XXXX of XXXX XXXX Louisiana had a flood and at the time I was employed at a car dealership the flood made it difficult to sale cars and I got in a bind with paying my mortgage. I reached out to freedom Mortgage to see what could be done to help with the situation and they asked all about the flood and whether or not i was affected by it. I answered all the questions and was given the opportunity to take a forbearance on the loan. It was explained to me that for 3 months I would have no payments due but would still acquire interest. The 3 payments would be put on the back end of the loan and I would assume regular payments at the end of that. At the end of the 3 months freedom mortgage told me the I had to pay all 3 of the months at the moment. I have been trying to get this fixed for over a year now and its making it very hard to catch up on my payments with late fees and all. please look into this all I'm asking for is to be allowed to opportunity to catch up like they told me I would be able to.

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 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
That account appear on my credit report XX/XX/2018, I am not aware of that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield has been calling me non stop over and over again. When I moved from my apartment complex in 2014 I gave notice paid them and I paid Hunter Warfield. Then four years after I move from the apartment complex and Hunter Warfield added a {$500.00} to my credit report when I sent the debt validation request all they sent me was a copy of my lease, not a claim or any other reason for charging {$500.00} because I never did anything.

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 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: NV

Complaint narrative:
On XX/XX/XXXX, I applied for an online loan. The only site to approve me was XXXX. I went through the verification process, received the loan and started the repayment process. I started to read reviews on this company and I found out this business is not licensed in Nevada, however they have been charging me outrageous fees. How do I get them to stop before they send wage garnishment requests to my employer?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Today, XX/XX/2018, I have been on this phone for 2 hours with Equifax. I have verified myself over and over and over. Equifax has placed a number of freezes that I did not request. This happened within the past 30 days because I was approved for a car loan with no problems. Now XXXX XXXX can not get into my account because of all of these different freezes that I did not authorize. Just three weeks ago, I got a car loan and no problems via Equifax report. Something happened and Equifax has tampered with my file without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Conn's, Inc.
State: TX

Complaint narrative:
My credit showed a delinquent amount with XXXX XXXX XXXX. I contacted them and they forwarded my call to XXXX XXXX. XXXX XXXX offered a settlement amount of XXXX from the total of XXXX to be settled in full with a XXXX  balance. This amount of XXXX was paid as agreed and documentation of receipt was provided. Conns and XXXX XXXX have no held their agreement in showing this account as settled in full with XXXX balance on my credit reports with XXXX, XXXX and XXXX. Instead, they have deducted the settled amount from the total and are now showing on my credit report a derogatory report with XXXX dollars due. 
Paid on XX/XX/XXXX File number XXXX Repeated contact with both companies have been a dead end as representatives from both state that the other company has to be the one to make the correction. 
I am currently under contract to purchase a home with an estimated close date of XX/XX/XXXX and this is negatively affecting my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
I borrowed money on a payday loan in amount of {$450.00} they said rates would be about 14 % I am now being charged 699 % and they ACH money from my account I tried to talk to person on phone and could not get a human. I called Pa Dept of banking and they could not help and they suggested I contact you I have already paid principle and probably 50 % in interest. Pennsylvania also said the XXXX interest rate 6 % in PA They claim the are an XXXX XXXX so are exempt from Federal Guidelines? ( posted on there website )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Collection Services, Inc.
State: OH

Complaint narrative:
Getting repeated/frequent calls from XXXX number. Finally answered today. A lady stating she was from RCS in XXXX Ohio asked if I was " my name '' and I told her yes. Then she wanted me to verify my address and wanted to verify my date of birth. All she would tell me is she was from RCS in XXXX. Kept pressuring me for the information. I told her I don't give out personal info on phone to strangers. She kept insisting and wouldn't tell me what it was concerning. I told her to try someone else and hung up. I searched RCS in XXXX and found a Regional Collection Services in XXXX Ohio. Since I am not past due on anything I owe I am not concerned and thought I should submit this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
Debt was removed from Credit Report on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX.XXXX XXXX XXXX keeps reaging debt and refuses to send validation as requested in writing. They are in violation of FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ). They are required to notify me of the reinsertion in writing within 5 business days since debt has been deleted from my consumer file on several dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Information Services, Inc
State: FL

Complaint narrative:
Was offered a position by insurance offices of XXXX On XX/XX/XXXX. Was sent a request for background screening authorization, potential employer requested I sign an authorization for consumer background check. However the 3rd party company listed was accufacts. After a week, I contacted accufacts who stated they had no relationship with XXXX, and after a search on the internet found out this company was used. GIS did not contact to get my consent for background screening. 

What is worse the former potential employer has escalated a series of adverse actions based on this report. Contacted this agency who has apparently been working on the report since XX/XX/XXXX. Start date pushed back twice, so I escalated my concern to a supervisor named XXXX in XXXX who committed to sending the report to XXXX on XX/XX/XXXX.  That did not happen. The employer sent threat disguised as an offer letter stating that I would be released based on the approval of a background check. 16 days. It presented an unacceptable hiring condition cost me my employer, and have now contacted an attorney to see how to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX some person or persons took a image of my tax customer & remotely deposted an amount of $ XXXX.Chase incorrectly honored an illegal check and deposited {$680.00} to my account ending in XXXX account. The criminals then withdrew two amounts one for {$400.00} & another for {$280.00} at XXXX & XXXX stores. I received no proceeds from the fraud and immediately as i recognized it I informed the local branch. Chase is refusing to honor the claim and has debited my account in the amounts of {$400.00} & {$280.00} TOTALING {$680.00}. effectively saying I had something to do with this fraud. They provided me with a complaint number and it is:XXXX. Hopefully tis csn be resolved with me having to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One continues to use my email address to send information and account updates for their customer XXXX XXXX XXXX despite my not being XXXX XXXX XXXX. I think its a simple matter of their customer having mistakenly entered my email address. Ive been receiving these emails for more than a year and Ive made three calls to Capital One informing them that I should not be receiving these emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Moneydart Global Services Inc.
State: MI

Complaint narrative:
I transferred {$2800.00} through XXXX on XX/XX/XXXX and the dollar exchange rate against XXXX was {$1.00} = Rs XXXX. As per them money suppose to available in XXXX on XX/XX/XXXX but amount available in my XXXX bank account in XX/XX/XXXX with the exchange rate {$69.00}. 
When i complain then they told you selected indicative rate while transfer instead of Guaranteed rate ( fixed exchange rate ) but as i transferred several times through the same XXXX and i know very well how to transfer through XXXX. 
Clearly they are cheating to customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 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: CA

Complaint narrative:
I placed a order on " XXXX '' on XX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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