vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
On XX/XX/20 I attempted to make an online payment using the American Express website. I had around {$75.00} posted to my account. When I clicked make a payment the only option that was available was to schedule auto pay for the due date. 
I contacted Amex, via their message system. They told me they didnt accept mid cycle payments and that I had to wait for the statement to post thus costing me daily interest. 
However, the card agreement states payments made online will post the same day. Amex intentionally removed payment options preventing me from paying my balance until after a statement is created. 
I demand the points I forfeited by closing the account, refund of the purchases made on false advertising practices by Amex, compensation for hurting my credit report by opening the account and closing the account, and the interest Amex made on this anti consumer practice refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: NY

Complaint narrative:
I am a victim of identity theft.

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 2020-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I received a letter from a supposed attorney working for Professional Finance Company. He only identified himself as XXXX XXXX. There is no law firm contact information at all. He only suggested me to call Professional Finance Company to pay the alleged debt. He threatened to take legal action on this matter and seek judgment against me. 

He states that he will not initiate any legal action until I have exercise my rights ; which I did a year ago ( XXXX, XXXX ). I requested a validation of my debt ( a detail statement and a copy of the contract which bears my signature ) the only paperwork that I received was a copy of a statement which included the name of the " original creditor '', interest rate, interest accrued including fees and total amount due. 

I sent them a second letter stating that I needed more information on the debt and they kept sending me the same statement. PFC said it was all they needed to provide to collect the debt from me. Which I didn't agree and they reported me to the credit bureaus. To stop this misleading information, I decided not to fight it with them nor the credit bureaus. 

After a year ( XXXX, XXXX ), they threaten me to take legal action against me but they keep sending me the same statement but now with a different account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.

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 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am XXXX XXXX and I would like to request you investigate my Discover bank account with account number XXXX. I am a victim of Identity Theft. I am writing to request that you block the following fraudulent information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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: NY

Complaint narrative:
I am a victim of identity theft.

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 2020-03-05 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: NY

Complaint narrative:
I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Credit Services, Inc.
State: MI

Complaint narrative:
I would like to why i have 3 different loans one of are close and there's two are the same and they did not send me a letter that they where taking my whole refund and i dont have {$17000.00} dollars to pay them back so how can i get rid of these loans for good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: CO

Complaint narrative:
I got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police 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 explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The following accounts should not be on my credit report. They do not belong to me and/or are inaccurate and incomplete XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX I request that you delete the above-listed tradelines and provide me an updated copy of a consumer report prepared by you that you maintain and publish concerning me to third parties. Inform any and all persons that you published the disputed information to that it has been deleted. If you conclude that the tradeline item is verified, I request details of your method of verification. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published concerning me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Accordingly, I may be contacted at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: CO

Complaint narrative:
I got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police 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 2020-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Lending Club Corp
State: OH

Complaint narrative:
On XX/XX/XXXX I signed a loan agreement with Lending Club to refinance my vehicle. The payoff check was supposedly was sent on XX/XX/XXXX. My payment for my lienholder XXXX XXXX XXXX XXXX XXXX is due on XX/XX/XXXX and Lending Club is asking me to make my first payment on XX/XX/XXXX. The lienholder has not received the check as of XX/XX/XXXX. Lending Club tells me that they sent out a new check overnight on XX/XX/XXXX and said it will take 5-7 business days for the lienholder to process. I asked that my first payment with Lending Club be changed so that I will not have to make two payments, as I was told that I need to continue making payments until my payment with the lienholder has been finalized. Lending Club said that they can not change the due date of the first payment. I have been lied to by their customer service reps as they told me that the first check was lost and a second one was sent out on XX/XX/XXXX. I confirmed with another customer service rep, that was not true and no second check had been sent out. I was told by a another customer rep that an extension could be done on the first payment, which was another lie. I talked to a supervisor named XXXX on XXXX and he promised he would " get to the bottom of this '' and promised to contact my original lienholder to see what the issue was, and would call me back later that day. I called back shortly before they closed after not receiving a call and was told that XXXX was no longer in the office. I have been getting the run around with them since day one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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 — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I Mailed a letter to SageStream LLC back in XXXX, XXXX requesting a security freeze and a copy of my consumer report and never received a response. In XX/XX/XXXX I submitted a second request for the same thing via their website and I did not receive a response or email confirmation that the request was even received. I sent a 3rd request Certified Mail that they received on XX/XX/XXXX with no response. I have called the phone number they have available XXXX & left several messages to resolve the issue but again it was to no avail. I have sent personal information such as ID and Social Security # to this company & I think it is very unprofessional of them to not even respond or acknowledge my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( BOA ) Sold and Invalid DEBT and Loan ( HELOC ) on my Primary home to XXXX XXXX XXXX ( XXXX  ). I have had an on-going and un-resolved dispute with BOA and even though your CFPB show the original dispute has closed - it was never actually resolved. I attempted to resolved with Bank of America of over 5 years now. 
Bank of America did not resolved the the matter rather sold the Loan in XX/XX/XXXX Servicing Released, which I believe was not a valid debt to XXXX and never resolved the original dispute. I have filed a complaint with CFPB on XXXX  as well.. 
XXXX is Relying and using Erroneous information provided by BOA to now Attempt a Trustee Sale on  XX/XX/XXXX. CA Foreclosure Law and other breaches are eminent. 
By both BOA and 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 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I got a random derogatory mark on my credit report for {$1200.00} and am being harassaed every day, being called every day, 5 times a day from a company I have no knowledge of AT ALL. 

I am XXXX years old and I have never missed a payment and had a 700+ score before this random derogatory mark on my credit. I am willing to do a " Pay to Delete '' if I absolutely have to even tho I have no idea where this charge is coming from. I NEED my credit back to XXXX to buy a house for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed onXX/XX/XXXXXXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing a complaint on Bank off America cause in XX/XX/2019 I had lost my debit card with them and I reported the fraud to BOA and they did not approve my claim. I moved from my address in XXXX XXXX XXXX XXXX NM to XXXX XXXX XXXX XXXX  XXXX I filed a police report and sent it to them attached with my social security number XXXX cause I did not have my account number heard nothing back and they had my account overdrawn cause of this fraud.

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 2020-03-06 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: GA

Complaint narrative:
Equifax, XXXX  and XXXX  are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything. 

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06 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: TX

Complaint narrative:
The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX  Closed Closed on XXXX  XXXX, XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed on XX/XX/XXXX XXXX  Closed Closed on XX/XX/XXXX submitted the ftc violations 30 days ago

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