vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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 American Express Blue Cash card was offering a promotion for 8 % back on purchases made by using a special link for to XXXX XXXX website. The offer is good through XX/XX/XXXX On XX/XX/XXXX, I made 5 separate purchases using the link provided by AMEX ( XXXXXXXX ), totaling {$950.00}. A couple weeks later, I checked my account for the accrual of the 8 % in rewards and it had shown that I only earned 1 % instead of the 8 %. I called to advise their CS team that I had not been credited properly. They forwarded the complaint to their tech team which then responded by saying I did not use the correct link and therefore my purchases were not eligible. I didn't think that was true, but let it go at that. 

However, on XX/XX/XXXX, I decided to try it again with another purchase ( 1 transaction totaling {$490.00} ) and this time I was absolutely meticulous about using the correct promotional link and staying on the website all the way though to checkout and purchase. A couple weeks later I checked my account, and again only earned 1 % instead of 8 %. 

Another call into CS led to the same response from their tech team, which was that I ( again ) didn't use the correct link and my purchase was ineligible. I explained that this was unacceptable and I was then given contact info to complain to their executive office.

Today I was contacted by Ms XXXX from their " XXXX '', who told me the exact same thing, that their tech team investigated and said the " wrong link '' was used. She even mentioned she was familiar with this promotion and that her husband had used it. I pressed her by asking if she would check her husband 's account to see if he actually earned the 8 % in promotional rewards and she responded with a condescending chuckle and said she would not do that. I asked her to check anyone else 's account and she refused. She would not entertain the possibility that there might be a technical glitch that was preventing me from earning the promotion and kept repeating that the tech team investigated and found the promotional link was NOT used. She then said there was nothing that could be done and ended the conversation. 

I have been an AMEX cardholder for 21 years and my profession lies within the tech industry so I am closely acquainted with how these systems work and how complex they are. I know also when I'm being given the " run-around '' when someone doesn't want to do any digging or true investigative work. I believe there is a systemic problem with the redemption of this promotion and that it is not applying correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My account was transferred effective XX/XX/XXXX. As of XX/XX/XXXX I had not received a welcome package and when I called Shellpoint I was told they had no account with my name. 

I received a welcome package on XX/XX/XXXX. I again called to make a payment and was told they did not have full access to my account information and that once they did they could go over my account. 

I received a mortgage statement on XX/XX/XXXX and again called to attempt to make a payment. I was told they were not able to because they were missing disclose forms. I asked to speak to a supervisor and was told one was not available. 

The account was transferred without my input to a company that has demonstrated a lack of professionalism in processing new accounts in a timely manner or providing me with information on my account. I am attempting to purchase a new home and unable to bring my account current.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
IM A CONSUMER OF THE UNITED STATES AND TROMBERG MORRIS POULIN PLLC IS A DEBT COLLECTOR ATTEMTIMG TO COLLECT A DEBT WHICH FALLS UNDER THE FDCPA. 
This collection company is trying to collect an alleged debt caused by identity theft, I have try to request for validation, ( Tromberg Morris Poulin PLLC or XXXX XXXX XXXX ) did NOT Provide me with what was requested by federal law, There claim of investigation of this matter is hearsay and you ( Tromberg Morris Poulin PLLC and XXXX XXXX ) are in DEFAULT of my affidavit of Truth and Cease and Desist. ( Please complete the full cease and desist requested information ) letter Attached. 
You ( Tromberg Morris Poulin PLLC ) a third party debt Collector, is in multiple violations of the FDCPA. Your sue against me regarding this alleged debt obligation are in direct violation 15 USC 1692c ( 13 ) " False '' representation or implication that documents are legal process '' As you Tromberg Morris/ Povin , PLLC are also in violation of 15 USC 1692c ( 3 ) ''The false representation or implication that any individual is an attorney ''. 
I will not stop til I get my remedy, Next complaint to the XXXX and the General Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Claim to have no payments in 2020 I receive statements from two different companies. 
Escrow depleted without proper billing Increased insurance amount without authorization. 
There is another person on my loan docs but not the loan and it's not authorized Privacy breach Excessive billing tactics during automatic stay. 
Billing statements don't match what was mailed between both companies Billing doesn't match credit filling Company filed negatively during diferment which kept me from getting a lower interest rate. 
This company violates all kinds of federal laws

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 2021-10-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2021 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back on XX/XX/2021 and representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
First, I want to acknowledge that I am the Original creditor, consumer and natural person. On XX/XX/21 I received a letter from capital one stating that my account has been closed due to adverse past legal action. On XX/XX/21 I sent capital one a certified letter with return receipt asking them to provide with me with where and whom had given them this information on my credit file. As a consumer they have violated my right to credit in pursuant to 15 USC 1691D ( 6 ). I received a letter from capital one on XX/XX/21 validating the debt which I did not ask for. Capital one has failed to provide me with the proper documentary evidence which has led to my inability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After contacting Experian XXXX and monitoring services and XXXX several different occasion, and speaking with supervisors and representatives, they send have not corrected the error. The XXXX  XXXX XXXX XXXX minoring company say Experian and XXXX is not reporting in a timely manner to these monitoring companies in order for them to correct the error 's that's effecting my scores. I notice after paying my credit card billed over two months ago, it's still showing a balance and the reason being is the 2 credit reporting agency is not reporting timely and this should not be happening.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion XXXX XXXX XXXX XXXX, PA XXXX Im writing you out of frustration and desperation, your company is reporting inaccurate information on my credit report. Ive sent them multiple validation letters asking how the information was verified. Each time Transunion keeps saying that the information that provided to them has been verified as accurate but will not say who verified the information. Ive sent Transuntion several method of verification request and the ignore each one. 

The account in question is a 2 Bankruptcies Transunion continues to say that the information has been verified as accurate. I know Transunion havent investigated the 2 bankruptcies or verified this information as accurate, if they did they would not be reporting inaccurate information. On my Transunion report it say I filled both Bankruptcies in Florida which is not accurate only one the the Bankruptcies was filed in Florida, the other one was filed in another state. 

From doing my research I understand you all get this public records information from XXXX who is NOT FCRA regulated. On XXXX website they explicitly state XXXX does not match Bankruptcy information to Transunion. How can XXXX report anything to Transunion about a consumer if they arent being recognized as a reporting agency. 


Im demanding that you remove both of these bankruptcies since you are reporting inaccurate information and can not provide me with how you received this information. 

I have a letter from both of the Bankruptcy Courts saying they did NOT provide any credit reporting Agencies or 3rd party agencies with Bankruptcy information, the letter also stated that the Bankruptcy courts do not report to the any of the Credit Bureaus. Please understand my frustration your company is reporting inaccurate information and they arent investigating like they say they are. 

The Bankruptcy clearly has not been verified and needs to be deleted immediately. Im reaching out to you the CEO to insure this is done. Otherwise my next step would be to sue Transunion for multiple FCRA violations. 

If an immediate resolution isnt made within 14 days, Im preparing to file a claim with the FL Attorney General Office. 

I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. The Bankruptcy in question has not been verified and therefore its inaccurate. Its been over 30days. 


Please DELETE this item from my credit reports as it is NOT verified! 




Your immediate attention I would be greatly appreciate.

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 2021-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have tired for the last 3 months to set my mortgage up on auto draft. My most recent attempt in XXXX for XXXX payment seemed to have been set up successfully. I received my XXXX statement on XX/XX/XXXX and it showed a missed payment so I immediately paid the missed payment. On XXXX I received notice that I was delinquent on an account. Upon researching it turns out it was my My mortgage serviced by Penny Mac. I immediately called them an notified them of the error. Upon calling it seemed that several pieces of information was incorrect My phone number was not associated with my account and they were unable to even pull up my account by my name. The email address was incorrect etc. I spoke with XXXX a supervisor who indicated an issue with the online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
Ocwen had our mortgage and then it went to PHH. Everything was fine at PHH until my bill jumped by XXXX  $ + a month 2 months ago. Checking shows that my escrow went from XXXX $ to over XXXX  $ so i inquired as to why. They said that my property taxes jumped to over XXXX  $ a half year. I spoke to the escrow agents they agreed that my taxes had gone up that much. So i went to my local treasury office and got print outs. My taxes had increased from XXXX $ to XXXX $ a year, not XXXX  XXXX Not only that but payments had not been made from the mortgage company to the treasury office for over a year. The bill there is currently XXXX $ and if it isn't paid this half my house will be open to tax sale. I contacted PHH and they said they had disbursed XXXX $ and XXXX $ to the office. The office shows no record of this. An agent XXXX # XXXX has been in contact with me, but after faxing these documents to PHH and then emailing them to them, i have had no response as to rectification of this issue. Nor notice they have received these documents. If i don't get a quick resolution i will be forced to pay the XXXX $ out of pocket along with the raised mortgage payment and this is unacceptable. Perhaps this is some typo error in the company but i can not wait till this half ( along with fines and fees ) is not paid. I am having issues getting these phone files from emailXXXX XXXX  to the attachment upload, please send me an email addy i can forward them to?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To : The Office of Registered Agent for Credit Collection Services XXXX XXXX XXXX XXXX. 
CT XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, the original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private medical information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

I have the right to request this information due to the freedom of information act & equal opportunity act. 

The consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been desputing an account with XXXX XXXX through XXXX, XXXX and Experian. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.

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 2021-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax will not remove account XXXX that was placed on my credit file when my credit file should have been protected during COVID-19 in 2020. The balance is also inaccurate please assist by removing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: WA

Complaint narrative:
There is a 30-day late reporting on my son XXXX XXXX XXXX ( last four of SS # XXXX ), wife XXXX XXXX XXXX ( last four of SS # XXXX ) and my, XXXX XXXX XXXX credit reports due to a clerical error. 

We have a mortgage loan with XXXX XXXX XXXX ( XXXX ). There is a 30-day late that occurred in XXXX/XX/XX/XXXX. An auto mortgage payment to XXXX ( account # XXXX ) for the property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX, was missed in XX/XX/XXXX, because XXXX cancelled our auto-payment when XXXX shut down the old website and did not set the auto-payment back up when they launched their new website. 

Also, XXXX did not send an email specifically informing us to re-register our auto-payments on their new website. We received an email on XX/XX/XXXX with the title New Website is Coming Soon. Buried in the second paragraph of that email was the wording, you'll have to re-register even if you have a user account on our current site. It said nothing about our auto-payment being cancelled if we didnt re-register. It also did not specify exactly when the new site would be launched. On XX/XX/XXXX we received an email titled, Our new website is live! Check it out! Again, there was no mention of our auto-payment being cancelled. 

We purchased the home in XX/XX/XXXX. We made our first payment in XX/XX/XXXX and made every payment on time through the auto-pay feature, scheduled to pull from our account on the XXXX of each month. XX/XX/XXXX our auto-payment was made. The XX/XX/XXXX auto-payment was not made because the auto-payment had been cancelled by XXXX. We discovered the missed payment just seven days later, on XX/XX/XXXX. We made a one-time payment that day, then created a new account on the new website and set up a new auto-pay that is working great and no payments have been late or missed since. 

Because of the lack of clear communication from XXXX, both my son XXXX ( last four of SS # XXXX ), who is the owner of the home and my wife XXXX ( last four of SS # XXXX ) and my ( we are co-signers on the account ) credit took very big hits. Wed appreciate any help to remove the late payment from our credit reports. Thank you for your time and consideration.

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