vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 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: SC

Complaint narrative:
Applied for Amex XXXX Surpass cc XX/XX/XXXX using specific link from a travel blog with a " XXXX $ statement credit and XXXX bonus points after XXXX spend in 90 days '' offer. Application approved, all seemed well. 

In mid-XXXX XXXX had not received card - wrote into Amex chat asking about delay, explaining I wanted to purchase airline tickets that would easily satisfy the minimum spend requirement I needed - agent replied " manufacturing of the cards was delayed but would be forthcoming ''. 

When I did not see the statement credit by late XXXX after having used the card, chatted again asking " what the date was I needed to have completed my minimum spend '', and " BTW, why am I not seeing that statement credit? ... this time agent replied that I " have no bonus offer attached to my XXXX Surpass  account and was not eligible for it '' ... that " upon application I would have received a popup message of non-eligibility ''. 

Total surprise! - believe me, I most definitely received NO such popup message when I applied or I would not have gone forward with the application. ( I mention my first chat in XXXX above because that was an opportunity for Amex to inform me of the bonus denial - and the agent did not do so. ) Asked if proof could be provided that a popup denial was directed at me ; agent did not address that. 

I am within Amex 's criteria for receiving a XXXX Surpass bonus - never held any XXXX card, hold only one other AMex card of years duration, never canceled any cards, have a credit score well above of 800, never miss paying off any balance in full. I hold reservations for at least 16 stays at XXXX properties over the next several months, and will be canceling every one of them over this. 

Requested on chat that a Supervisor contact me ; within a few days spoke with a rep who simply parroted the same denial and was " unable to provide any specific reason ''. We remained in the same circular argument, my insisting I never received any popup, and she insisting I could not have proceeded without it. I stressed the fact my XXXX chats - with my referrencing the bonus offer - did not spark any notice from the chat agent on the bonus offer being invalid, and that it was not disclosed to me until XXXX. She tried valiantly to convince me " Amex regards me as a valued client, but any reversal is out of her hands '' ... offering me a XXXX $ statement credit as a goodwill gesture. ( Which has not shown up yet ) I did some online research after the fact and find that there are multi reports of exactly this scenario - no evidence of non-eligibility for an bonus on a new-customer application, and persistant denial without specific reasons upon complaint. Add me to the list of reports you already have on this issue, and feel free to contact me anytime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I have no knowledge of this account with gulf coast collections. They have called me numerous times and this is not my debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts, I didn't authorize these inquiries listed, and the name is incorrect on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, I didn't authorize these inquiries listed, and the name is incorrect on my credit profile

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, I didn't authorize these inquiries listed, and the name is incorrect on my credit profile

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 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019 from American Coradius International stating that I owed a debt regarding my account with XXXX. I have an account with XXXX, but it has no balance. 

The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant emotional stress and caused me to undertake the time and expense of sending a certified letter disputing the debt. 

On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof. 

I have not heard back from them since. 

In trying to collect a debt from me regarding a XXXX account, when I have a XXXX account in good standing, American Coradius International failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) emotional harm, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts, nor are the addresses are mine, and I did not authorize these companies to pull my credit.

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent letters about this particular error on my credit report. In the Public Records section, it suggests I have a US Bankruptcy. I am asking for a method of verification for this. Please delete this error and provide me with the methods you use to report this information within 15 days. Thank you. 

Attached : Item in question

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 2020-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a repo for a car I never had they threatened to ruin my credit and it is not there business that the car was repo it was in my name. I need this account removed its not mines. I don't know who this is please I don't have no where to turn

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 2020-03-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a repo for a car I never had they threatened to ruin my credit and it is not there business that the car was repo it was in my name. I need this account removed its not mines. I don't know who this is please I don't have no where to turn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
This was a workman 's comp case, and they were aware of that. I submitted them the comp case number the insurance company and my attorney 's phone number, they still sent out a 30 day notice and then sent me to collections. This debt was paid in full by workman 's comp insurance company. The collections company is aware that it has been paid in full.and yet this still sits on my credit report. I need this to be removed ASAP,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Once again, I am getting burned thinking NFCU has changed their ways from the last issues I had. If I remember correctly, NFCU was fined because of their games. 
Monday XX/XX/XXXX I visited the NFCU branch on XXXX XXXX in XXXX, Az, to get a new debit card was lost. I was told I am unable to get help at the branch, only ATM and on the phone. Well, if I dont have a debit card, how can I get help, defies logic I know. 

I called the NFCU to find our why I cant get help in a branch and to get a card. It took over 30 minutes to find out the reason why I cant get help at a branch. Apparently, it was decided after a series of emails with NFCU my in-branch privilege was removed in XXXX, yes, XXXX. I am sure knowing NFCU, this was based on factless in morally corrupt decision processes by NFCU. I was told how to appeal the decision that is now almost nine years old. I sent an email to appeal this decision on Monday, XX/XX/XXXX, at XXXX hours ; I still havent heard anything even though the person on the phone said she was emailing the person she just talked to about my email. 
I decided to unfreeze my card so that I could access my money since I use XXXX XXXX. I found out when I tried to do that ; my card apparently has been deactivated since I could not use it anywhere I tried. 
Saturday XX/XX/XXXX I still have not received my card, just a PIN. 
I was attempting to use NFCU as my primary banking account and open a business account since there are local branches now. I dont think I should do that because NFCU is still in the game of denying members access to their money. 
This seems to be a common theme with NFCU, denying me access to MY MONEY. NFCU denies me access to MY MONEY. 
1. Not allowing me to get assistance at a branch 2. Not providing me a debit card in a timely manner 3. Disabling my debit card so I cant use with 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 2020-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a letter dated XX/XX/2019 from XXXX XXXX XXXX stating that I owed a debt regarding my account with PayPal. I have an account with PayPal, but it has no balance. 

The letter further stated that if I did not respond in writing disputing the debt that they would assume the debt is valid. This caused me significant XXXX XXXX and caused me to undertake the time and expense of sending a certified letter disputing the debt. 

On XX/XX/2019, I took time out of my busy schedule to physically travel to the post office and to send a certified letter disputing the debt, and undertook the costs thereof. 

I have not heard back from them since. 

In trying to collect a debt from me regarding a PayPal account, when I have a PayPal account in good standing, XXXX XXXX XXXX failed to exercise due diligence in identifying the person responsible for the debt, and in so doing caused me 1 ) XXXX XXXX, 2 ) loss of time, and 3 ) monetary cost. The company is therefore guilty of willful negligence, and of causing harm to me through that negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts, nor are the addresses are mine, and I did not authorize these companies to pull my credit.

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts, nor are the addresses are mine, and I did not authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am permanently opted out of prescreened credit card offers yet Synchrony Bank emailed me a prescreened credit card offer for Gap stores. I do not shop at Gap ; have not given Gap my email address in several years and did not ask for anything related to this offer.

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 2020-03-08 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: NJ

Complaint narrative:
I have a repo for a car I never had they threatened to ruin my credit and it is not there business that the car was repo it was in my name. I need this account removed its not mines. I don't know who this is please I don't have no where to turn

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts. Please remove them

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 2020-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Here us the Bank of America payments I made. All were before due. The bank lied and said I was late. Never was late. I also paid off the amount. The Bank of America never bothered to report to the 3 credit bureaus! 

This is an ongoing matter. The XXXX scored me badly from XXXX to under XXXX and accused me for not paying on time. XXXX  does have access to my bank! I paid it off!!! The BOA had to send me the rest of my amount from Secured Card. And BOA took the amount on what I owed and it s paid off but both were not reported to XXXX  or others.

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I asked Equifax to provide a method of verification for an alleged Bankruptcy in the Public Records section of my credit report. They responded saying that they used a 3rd party called " XXXX XXXX '' to verify the Bankruptcy. 

I contacted XXXX XXXX myself and they're saying I am not even in their database and that they did not report this. I also reached out to the Bankruptcy court in question and they said they did not report anything to the credit bureau. I've attached Equifax 's statement, XXXX XXXX ' response, and the US Bankruptcy Court 's response.

I am demanding that Equifax delete this item as soon as  possible or I will have to escalate this issue because Equifax provided a false statement suggesting that XXXX XXXX reported this to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wellls Fargo did continue to recharge me on late fees. They don't care whether I paid on higher amounts on some payments. They said I was late on XXXX, XXXX but I was only late that time so it means the charges fees should begin after XX/XX/XXXX. However, Wells Fargo charged me each fees per month since early XXXX. They don't care I'd I pay too much but if I am under {$500.00}, they charge me anyway and even after I paid over {$1600.00} ... they continue to charge me. 

I was late to pay but did call in and wrote that I d be late but would pay them full amounts on XXXX which was {$1600.00} but they charged me every month. They did not waive after I paid {$1600.00}. They kept charging me. 

I paid it off yesterday on XX/XX/XXXX but they DO OWE ME about {$500.00} to {$700.00} from wrongful charge fees. 

In pics, next to XXXX XXXX XXXX XXXX, XXXX shows you I was on time paying. I was never late except XX/XX/XXXX. The due is every XX/XX/XXXX or XXXX. I always pay first week of month ON TIME!

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 2020-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am looking to start a new business and I had to pull my credit and I seen addresses on my file that do not belong to me! I was a victim of fraud once and I want to make sure someone is not doing it again. My name is XXXX XXXX XXXX my SS XXXX DOB XXXX My CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX, OH XXXX. PLEASE REMOVE/DELETE THE FOLLOWING ADDRESSES AND PHONE NUMBERS : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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