vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On Monday, XX/XX/XXXX, I attempted to open a Home Equity Line of Credit through my Credit Union. I was told that they were unable to access my Experian credit report.

That evening I called Experian ( after researching on the internet how to get an actual person, because there is no way to get a live person through their numbers ) and was told by XXXX that the report was fine, and had been accessed twice by the credit union. 

On Tuesday, XX/XX/XXXX, I went again to the credit union. This time the back office was contacted and told me that the report was run but there was no credit history, and the address on file was actually the address of my ex-husband, where I never lived. 

I made several calls to Experian on Tuesday, but was unable to get a satisfactory result. I was told repeatedly that my report was fine. 

On Wednesday, XX/XX/XXXX, I called Experian again. I spoke with someone in Personal Solutions who began a report ( # XXXX ) and corrected my address. My credit history is still unresolved. I am still unable to obtain a home equity line of credit. The other two credit reporting agencies, XXXX and XXXX, have correct reports as of XX/XX/XXXX. I need this issue resolved. I have now spent countless hours on the phone and have no resolution.

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 2018-04-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
a Few years ago my car was broken into and my wallet was stole which had all my information like SSN etc. a few months after that I was getting calls and letter and bills in the mails from A few chains store saying I owed them money and stuff, I told them it wasnt me and I never order or bought anything from them inside the store or online they sent me a ID theft paper work I filled it out but nothing was ever dont because all the unpaid amounts went into collection and I told the companies it wasnt me. They didnt believe me and have not tried to fix me problem but I have tried to apply for my first home loan and I got denied because of my ID theft amounts that is still on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-16 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: Ability Recovery Services, LLC
State: NV

Complaint narrative:
I asked XXXX to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. XXXX XXXX did tried to get me to pay for an account they no is not mines

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 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Simply Right checking account under promotion to receive {$150.00} after direct depositing {$1000.00}. I opened the account on XX/XX/2017 and have had {$1000.00} direct deposited every month for the last 5 months. I have called Santander multiple times, usually being transferred from department to department, spending hours at a time without any resolution. I am very frustrated they are not holding to their terms and with the way they are treating their customers.

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 2018-04-16 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: AZ

Complaint narrative:
Hello, I have been a loyal American Express card customer for more than 20 years, and I have been accumulating membership reward points for many years now. So far I have around XXXX points in my account. I planned my trip with the points in mind to book my return flights. When I was ready to redeem the points to book the last leg of my flights, I got the message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. Why????? 

It has been 3 weeks, I am still getting the same message. I called the Membership Reward program 4 times, and the 3rd representative helped me file a complaint, saying they will get back to me in 7-10 days by phone or email. Its been 2 weeks since, and nobody has called or emailed. 
Our trip plan is on hold and we are at risk of losing my already-booked tickets and reservations because American Express is holding my points without providing any information or explanation. 

If we can not use the reward points why did you make them look available? We do use the points to plan trips, not just to look at them. And why are you holding all of my points? I only want to transfer some of the points that I accumulated a long time ago. Why cant I use them? Please explain! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: FC HoldCo LLC
State: NV

Complaint narrative:
On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit  companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help there.

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 2018-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank holds the mortgage on my homestead located at XXXX XXXX XXXX XXXX XXXX TX XXXX. Loan # XXXX. 


They raised my payment from {$2200.00} to {$2600.00} because of escrow calculation for the end of XX/XX/2018. I have lowered my insurance cost by 40 % and my taxes are not that much higher to justify an increase of {$5400.00} this year. 

They deny my request for another review on my escrow with the new information. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my  credit without my authorization.

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 2018-04-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I applied for a personal line of credit in the amount of {$5000.00} to make repairs to my home. I used USAA 's online application and was denied. The reasons cited were serious delinquencies on my account, which is incorrect. I do not have any outstanding balances on my account. There is a Bankruptcy from XX/XX/2014that was dismissed when I became unable to work, however, the small amount of debt that was placed in the Bankruptcy has since been paid when I began to receive my XXXX  payments. The bankruptcy was filed to save my home and all my accounts are in outstanding condition. Therefore, I believe that USAA is using incorrect information. I called and asked to speak with a senior representative and have gotten nowhere. I have banked with them for over 15 years and have not burned them on any payments or been delinquent on anything ( automobile insurance ) or checking account. I do not have a bankruptcy account listed with them and am just baffled about how they are getting this wrong information. My application was unfairly declined. I wand someone at the corporate level to relook at my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/18 I went to the XXXX XXXX website to research auto loans. I put in my name. It asked if I was a member of XXXX XXXX. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization.

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 2018-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Seller Beware. This is in regard to an XXXX auction that went horribly wrong- transaction dateXX/XX/XXXX.

On XX/XX/XXXX the XXXX buyer filed a complaint with XXXX stating they did not receive the auction item ; eventhough the package was sent through XXXX with signature required, and XXXX is showing the item as delivered on XX/XX/XXXX.

On XX/XX/XXXX, XXXX  sided on behalf of the buyer and initiated the refund process. In trying to navigate through the XXXX  refund process I inadvertently hit the " accept refund '' button. Hitting this button caused XXXX  to initiate an E-Check against my bank account through their partner PayPal in the amount of {$4000.00}.

On XX/XX/XXXXwe called XXXX   to try to get them to stop the refund, as there was clearly a mistake, and we needed to provide them with more information, as we strongly believed this to be a case of fraud. XXXX claimed they were not capable of stopping the refund, as all the controls relative to canceling or redirecting an electronic payment were on the side of PayPal. According to XXXX they are only the selling platform, and PayPal is the financial institution. We then called PayPal, and PayPal claimed there was nothing they could do, as XXXX had initiated the E-Check payment. We called XXXX back and they told us it was up to PayPal to pull back the funds. We called PayPal back, and they said there was nothing they could do. After getting bounced back and forth between PayPal and XXXX we called our bank and filed a dispute to stop the payment. Our bank launched an investigation and settled the dispute in our favor.

On 4/11/18 PayPal responded to the stop payment from our bank and returned the funds. Later that same day they issued a refund to the buyer in full ( {$4000.00} ).

We continued to work with XXXX  and PayPal to rectify this injustice, and on XX/XX/XXXX we provided the results of an internal XXXX  investigation showing the buyer received all items associated with the auction, to include copies of signatures and tracking details. We continued to be bounced back and forth between XXXX  and PayPal, as each continued to point the finger at the other as the party capable of providing some relief for the potential fraud. At this point there is absolutely no resolution, and PayPal is coming after us for the full amount of the refund they sent to the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: MI

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I sent certified letters requesting the removal of a US Bankruptcy from my Credit Report. I am protected by the FCRA laws and guidelines which protects consumers from misinformation being used against me. The credit bureau is not in compliance. I have asked for them to send me a copy with my signature giving my permission to report this on my report, or documents from The US Bankruptcy Court. In reply they have sent me letters stating my account has been updated which there has not been any change whatsoever nor have I received any proof of documentation from anyone.

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 2018-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I got a call on my cell phone, work phone, and a friend 's phone from a XXXX XXXX XXXX stating that, " I am with the legal offices of XXXX and XXXX, we have been retained, we have multiple infractions, several violations being filed against you in our office. At this point there is a pending services summons involved. If you wish to settle this matter before we seek appropriate relief before the courts of proper jurisdiction at all, I strongly suggest either you or your legal representing party return this call before XXXX XXXX eastern standard time this evening. My toll free number is XXXX. Thank you. '' I called the number and a XXXX with Client Services answered the phone. I asked what business I was calling and he said I was calling an attorney. I asked again, what business the attorney worked for and was told that he didn't want to re-hash everything. He wanted to know if I wanted to handle the debt I owed before they took legal action. He said I owe {$120.00} to Advance America which has been paid off for years. I asked who owned the debt and he said " XXXX XXXX ''. I AGAIN asked for their mailing address and was told AGAIN that he didn't want to re-hash anything. He asked my to confirm my phone number and DOB and wouldn't give me any info. When I told him I was going to report him to the FTC, he started SCREAMING at me to pay my debt. I hung up. This is clearly a scam and they need to STOP CALLING people. 

Please note that they called from a local number of XXXX but the call back number was out of state. 

Thanks!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In the month ofXX/XX/2018I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, XXXX and I visited Equifax still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 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: GA

Complaint narrative:
In the month of XX/XX/2018 I paid off two credit card balances, didn't close the accounts just paid the balances and the next day my credit score dropped 32pts. I emailed XXXX XXXX right away when I first saw my credit score had dropped.XXXX XXXX and I went back and forth between 8 emails and no one could tell me why my score drastically dropped. I proceeded to call all credit bureaus XXXX, Experian and I visited XXXX  still no one can tell me why my credit drastically dropped. Every factor each credit bureau ask me to consider or look at dose not apply to me. One factor was incorrect they said I have only had credit for 2yrs in fact I have had credit for 5 yrs. I have never had a derogatory complaint on my credit report, I have never missed a payment or paid a late payment on my credit report.

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 2018-04-16 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: Exeter Finance, LLC.
State: NV

Complaint narrative:
OnXX/XX/XXXX AND THEXX/XX/XXXX XXXX XXXX XXXX, and, EXETER FINANCE CORP, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX  and XXXX  credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX  which is located at XXXX XXXX XXXX XXXX XXXX XXXX NV I called and spoke to the manager no help there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Collection agency refuses to honor written agreement they accepted when they accepted payment

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