vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 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: CA

Complaint narrative:
On  X/X/17   , I paid for a meal at the restaurant,   XXXX   XXXX  , in the amount of {$790.00} located in the  XXXX   XXXX ,  XXXX   XXXX . I specifically used the   XXXX   XXXX   XXXX    American Express  card to pay for this meal based on its  10X M embership Rewards for restaurant purchases. When I received my statement, I learned that the charge was coded as " lodging '' instead of " restaurant '' and so I did not receive my anticipated bonus Membership Rewards,  10X  the amount of the charge, from  American Express,  but instead just the  1X M embership Rewards.     I called  American Express in  an attempt to amicably resolve the Membership Rewards discrepancy and was prepared to furnish copies of the restaurant receipt to verify that it was a restaurant charge and not a lodging charge. I was informed by  American Express  that they will be unable to correct the discrepancy and therefore I would not receive the bonus Membership Rewards because the restaurant,   XXXX   XXXX  , coded the charge as lodging. I was also told it was my responsibility to verify with the restaurant beforehand that the charge would code properly under the restaurant category on my credit card statement. This prerequisite is not listed under their   XXXX   XXXX   XXXX   Membership Rewards promotional terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: GREAT LAKES
State: CA

Complaint narrative:
I recently saw  the director  on  XXXX   XXXX  and it gave me the motivation to state my experience. Here it goes.     I graduated with a   XXXX   and went into a   XXXX   XXXX   /   XXXX   XXXX   under a paid grant service agreement because I 'm working in   XXXX   XXXX   .I h ave to work for 2 years for every year I went to school ( not sure if this is I had a loan during my  XXXX , but still was in school so it was in forbea rance. Stafford   Loan, OWED    Current Principle :  XXXX  Current Accrued Interest : {$1700.00} Total Balance : {$56000.00} Estimated Interest Accuring Monthly :  XXXX  Estimated Accrued Interest when your forbearance ends :  XXXX  ( Whoa!!!!, I just realized that they are taking advantage of me. ) Finished my   XXXX   XXXX  . in   XXXX   XXXX   and finished my units for my   XXXX   XXXX  , but still need to complete my units. Technically, I have 5 years to complete my thesis under my agreement. I 'm just finishing my second year of   XXXX   as a   XXXX   XXXX   XXXX       In   XX/XX/XXXX , I received a call from GREAT LAKES EDUCATIONAL LOAN SERVICES, INC. They let m e know that I have n't paid my loan for 3 months. I did n't receive a letter in the mail notifying that I owed anything. They said they have been emailing me at an old  XXXX  account. I got no letter, no phone call, I feel, until it was too late. When I did finally talk to them, I let them know what was going on and they approved my request for forbearance until    XX/XX/XXXX .       Meanwhile, I needed to move and get a new car because my car got totaled and ran my credit which is considered very poor, making my quality of life very hard. Plus, I 'm an   XXXX   XXXX   and needs a car to travel to my  XXXX  schools to   provide service to my   XXXX  .     Everything became very overwhelming and un-affordable.     I called Great Lakes after my credit check to ask them to help me fix my  credit score  issue because I needed a car. They told me there was nothing they could do because I did n't make a payment for 3 months. I begged talked to supervisor 's, no compassion. I feel hopeless because I want to move, but I ca n't because no one will accept me without a cosigner or high interest rates. Please help, not sure if this situation qualifies for your services. Thank you for all you do and giving people a voice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had  3  auto loans with   XXXX   and was late  one  x for 20 days on one xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  3  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

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 2017-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
On   XXXX   XXXX   XXXX    , I contacted in writing a collection agency called  American Accounts Advisors , Inc.  a Minnesota-based Company disputing an alleged debt owed that I noticed being reported to the credit bureaus that originated by a  XXXX   XXXX  named  XXXX   XXXX   XXXX   XXXX  (  XXXX  ), which I never heard of. I requested in my letter to American Accounts Advisors for multiple information to validate their alleged claim of me owing money to EPPA with no response. My letter to the collection agency is attached to this complaint. American Accounts Advisors are reporting to the credit bureaus ( 4 ) different dollar amounts allegedly owed to EPPA, so I contacted EPPA requesting validation of any debt owed to them and they informed me that they have no records as the account was charged off. I looked up American Accounts  Advisors, Inc.  with the  XXXX   XXXX   XXXX  and they have several derogatory complaints about their practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Hello, I have contacted TransUnion as well as the below companies, as I was instructed to do, MULTIPLE times about the following " credit inquiries '' that were absolutely unauthorized and are currently negatively affecting my  credit score. I  did apply for an auto loan in   XX/XX/XXXX   but this was through    XXXX   XXXX  /   XXXX   XXXX    only. I have received zero assistance or response from TransUnion custom er service, and to my knowledge they have NOT investigated this matter as they are obligated to do. AND its nearly impossible to get ahold of them, worst credit bureau out there and clearly not interested in protecting consumers Date :   XX/XX/XXXX   XXXX / XXXX    XXXX  / XXXX /  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , CO   XXXX   (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX  (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  (  XXXX  )  XXXX - XXXX    XX/XX/XXXX     XXXX  / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  (  XXXX  )  XXXX - XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  X, AZ 85038 (  XXXX  )  XXXX - XXXX   Please let me know if you have questions, and if any actions can/will be taken.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I made a paym ent    XXXX   XXXX   2017, whi ch  was 5 days late, along with extra money for the late payment. Unfortunately, I was a little over a dollar short on the late payment. The problem, they arbitrarily put the {$18.00} into the escrow instead of putting it towards the late fee. So, now, I have a past due amount of the {$19.00}. I will pay the {$1.00} and I want the rest applied to the late fee. I am struggling to make sure my payment is made, I do n't have anything left over to buy much food. I ca n't afford to pay frivilous mistakes that they make.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I 'm writing on behalf of my  XXXX  brother and his wife who is also  XXXX .   They took out a home equity loan  from TD Bank for {$55000.00} but somehow the bank rep managed to wire an additional $ 40k into their account. They never used the money and at some point the $ 40k was removed from their account, yet TD Bank is insisting and threatening foreclosure, saying their loan was for $ 95k when they only received and used the $ 55k. They were informed the rep was relieved of her position, but would n't release her name, yet still insist on the $ 95k. They have made numerous attempts and threats to foreclose. My   brother recently went into a TD branch and asked them for an extension. He was given a week to get caught up on payment ( by this coming Wednesda y ) or they would send a sheriff to evict them. I wired them the necessary money today but I do n't have the money to hire an attorney and get this mess straightened out. Two  older  XXXX  people with numerous health problems should not be consistently harassed and afraid of being thrown out of their home because of a  major error TD Bank made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had opened a new account  with Navy Federal Creidt Union a fter it had closed out. I knew I owed money so I asked the teller if I had to pay anything additional and I did. The amount was {$200.00} for an overdraft fee so I had paid for it. I also owed money for my car loan which was about the same {$300.00}. I paid for that also. After paying he said I 'm in good standing with the bank and there would n't be any issues going forward. So then I proceeded to put {$1500.00} in to my new accou nt. Two days lat er I was looking to pay for something and I noticed all of my funds was gone. I noticed this happened on  XXXX / XXXX /  XXXX  . They never gave me a warning and I never gave them the ok to take money out my account or have I signed any information saying that I ever will allow automatic transfers when I started the new account. I also never signed any paperwork starting this new account. This debit collector just took money without any of my acknowledgement and put me back on a few bills because of it even after me attempting to receive a portion of the money back to still put down on the amount that was lost. I talked to the head of the person that took the amount and they were extremely rude. She did n't care that I needed the money for my son and for rent. She literally told me that it did n't concern her and she have other people calling with more important issues then the one I 'm having then she hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Re : Inaccurate Credit Information To Whom It May Co ncern : I received a copy of my credit report and found the following item  ( s ) to  be errors. This item is to be updated with Equifax. Please do so immediately and send an updated letter to me. My account is being reported closed on  XXXX    XXXX  . Has been this way for  six months. Reporting credit card is late two times which is incorrect the account has been paid all payments have been made.

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 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I h ad 3 auto loans with  XXXX  and was late one x for 20 days on one  xloan but chase is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

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 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I ha d 3 auto loans with chase and was late one x for 20 days on one xloan but chase  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!

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 2017-04-29 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: AES/PHEAA
State: TX

Complaint narrative:
When I was in college a co-signed for a private student lo an ( AE S ) for  XXXX   XXXX  who is now  XXXX   XXXX . About 5 years ago I was told that I could be removed as a co-signer due to the primary account holder making timely payments. Apparently they did not remove me a co-signer and she 's is behind on her payments and now they are reporting me as delinquent as well which has negatively affected my  credit score by  dropping it more than  XXXX  points within the last two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I do n't have any loans with Navient and they keep sending letters and are putting negative information on my credit report. I have never signed anything or agreed to anything with Navient and every time I dispute them on my report or through a credit repair agency they keep saying my debt is accurate. I do n't have anything to do with them though. They have no paperwork or anything with my name or signature on it. Not sure why they wo n't leave me alone and now they are sending letters that I do n't want or need. These people are relentless and not in a good way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen failed to apply our payment received on  XX/XX/XXXX  in the amount {$3200.00} until  XX/XX/XXXX . When Ocwen provided my  XXXX  for  XXXX , Ocwen did not include any portion of my payment received on  XX/XX/XXXX  in the year end tax statements provided to me for interest and I did not receive any tax statements for property taxes for my escrow. I have repeated asked my relationship  manager  at Ocwen why the payment was not included in  XXXX  tax payments and why my payment received on   XXXX   was not applied until   XXXX   XXXX   XXXX  .  Ocwen  fails to respond to my question and has their law firm,  XXXX   XXXX , respond to my complaint.  XXXX   XXXX  provides a payment schedule, but fails to explain why the  XX/XX/XXXX  payment was not applied until   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I had reached out to  XXXX  to get an updated copy of my credit report to go over it after my ex had moved out.     I found out that he had take some of of my files and there were some credit reports that were missing. So when i went online to get my free reports, which i have not done in years to look them over and dispute them, i was given an error at  XXXX  advising me that the information provided could not be verified. WHAT INFORMATION? I did n't enter anything.     so when i called and spoke with the Fraud department, they stated that there was not any issues on their end, and that i should be able to order my report. So I tried again, and to avail, NOTHING. the same error. I asked to be to transferred to a supervisor in the dispute department to verify my account, but no one would help me there either. She gave me the run around, about the usua l 24-48  hr bit, knowing that i was just being thrown to the wolves. I am also having this issue with  XXXX  and Equifax where i can not get any of my free credit reports with some type of error stating that my information could not be verified and i would have to phone in my issues. THAT IS UBSURED. All of this drama did not start until someone decided that they would add a fraud alert to all my reports back in  XXXX  of   XXXX  .     All I would like to do is to be able to sign into my accounts, and do what i need to do, and not have disrespectful people talking to me in a rude manner and asking me rude questions. if there is anyone that will investigate this matter and follow up with me I would appreciate it greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
I 've had multiple problems with this company. The first is that the debt that they have listed on my credit reports is not valid, meaning I never owed  XXXX   XXXX   XXXX  any money. I cancelled my  XXXX   XXXX   XXXX   XXXX  account years ago and there was no money owed on the account when it was closed. The problem is, the agents at  AFNI ( debt collection agency )  refuse to investigate this issue and have only responded to my mail correspondence with form letters. Furthermore, they have " re-aged '' the debt illegally after I 've spoken with a phone agent ( this happen ed on two occasions ). When  I say " re-aged '', I mean that they reset the beginning date that the debt was incurred causing this account to appear on my credit reports much longer than the usual 7 year time frame. My understanding is that a collection agency can only do this if I agree to a payment arrangement ( which I have not ) and then default on said arrangement. The only thing I 've ever told them by mail or over the phone is that this debt is not valid ( not mine ). I 'm getting very frustrated with them and have hired an attorney to try to get them to remove this from my  XXXX  and  XXXX  credit files  (  does n't appear on my  XXXX  report ). I also will no longer call them due to their unscrupulous tactics. I 've uploaded the latest correspondence that I 've received from them which is essentially a form letter. They 've sent me this same letter each time that I 've written them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery  has not sent me proof of my obligation of this alleged debt as requested, and continues to report these  XXXX  trade lines to the  XXXX  major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowere d credit score.  I disputed these  XXXX  accounts on  XXXX   XXXX  of this year through  XXXX ,  XXXX  and   XXXX   to no avail. To date , Portfolio Recovery ha s continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? I have not received any verification for these accounts. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe th at Po  rtfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is  blatantly disregarding the law and consumer rights.

Company response to consumer: Closed with explanation