vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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: ERC
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: T.S. Holdings
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: Nelnet, Inc.
State: IL

Complaint narrative:
These accounts were fraudulently opened and maintained. There are 3 discrepancies with account numbers that all begin the same numbers. I've contacted the company and communicated that they were fraudulent. To no avail as the account still reflects on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Hi, I initiated a transaction to send money ( {$50000.00} ) to my account back home in XXXX using Western Union online services ( XXXX : XXXX ). I have been following up with the representatives since then and have provided all the required information from my end. Now, after 15 days they have cancelled the transaction with out proving any reason for it. I have been on call with their representative for more than 15 hours in total during this time. 

Today I requested them to redo my transactions on the same rate as in XX/XX/2020, bu they said it can not be done and I will have to start a new transaction. Doing so with current exchange rate I will be losing more than XXXX XXXX 

This transaction has been no less than a metal harassment. 

I would like to raise a complain to ensure that no one else has to go thorough the same thing in future. 

Thanking you in advance! 


Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
- I filed an insurance claim guaranteed by my Amex card to Amex XXXX. My laptop was taken within my sight by a XXXX in a coffee shop and Amex is denying it saying it was negligience although the laptop was within my sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I paid the loan in full on XX/XX/XXXX. An escrow balance of over {$2000.00} was due to me within 30 days, based on the Real Estate Settlement Procedures Act. 

In late XXXX XXXX XX/XX/XXXX XXXX, I had still not received a check for that amount. I called and they said they sent it ( yeah right ) but would cancel it and send me a new one within 10 business days. 

Its XX/XX/XXXX and I still have not received a check. 

The fact that this company can operate is a wonder. This is one of many issues Ive had with this company. They mismanage money and are fraudulent.

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 2020-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
We are in a pandemic. My wife lost her job during the pandemic. We fell behind on out payments due to her loss of income. I tried working directly with Honda to fix this, they were supposed to help us and not have these lates hit my credit report and they are. 
Dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX should have all been part of this. I am a XXXX XXXX XXXXXXXX vet and we have been doing everything we can to make this work. At this time, all payments have been caught up. I am requesting to remove these lates from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda Motor Finance had a software glitch on their website that caused auto payment to turn off without my consent or approval. Late payments were charged as a result. Honda Motor finance has sent letter to my mortgage bank saying that the delinquencies have been lifted but they have failed to reflect that to the credit rating agencies which has resulted in a steep drop to my credit rating. Honda motor finance has several time admitted that the credit delinquencies were a mistake and a result of their website errors but has yet to reflect that to the credit bureaus. I have NEVER had a late credit/delinquency and my credit score prior to this event was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is regarding the rewards program for Chase Sapphire Reserve Credit Card. 

On XX/XX/XXXX, I made a rewards redemption for 10 charges on my account. The request was for a credit of {$340.00} for a debit of XXXX ( approx ) miles from my account. I was charged the miles but never given the credit of {$340.00} On XX/XX/XXXX, I called Chase customer service about this issue. They agreed with me and their solution was to give me my miles back. I agreed with that and the miles showed up in my account right away. 

On the same date ( XX/XX/XXXX ), since I was ok with what the service person had told me, I made a new rewards redemption for 12 charges on my account. This was for a credit of {$460.00} for a debit of XXXX miles to my account. This transaction went through fine - both the credit and the debit. 10 of the charges in this activity were the same as those on the earlier XX/XX/XXXX transaction. 

on about XX/XX/XXXX ( not sure of date ), I logged into my account and noticed a redemption credit reversal charge on my account of {$340.00}. This charge had a transaction date of XX/XX/XXXX but a posting date of XX/XX/XXXX. In other words, after my complaint on XX/XX/XXXX - I got the miles back - but was also debited XXXX i.e. was not credit XXXX on XX/XX/XXXX but debited on the transaction reversal. 

On XX/XX/XXXX, I called chase customer service to report this issue. The person agreed with me and promised to have their escalation department fix the issue i.e. give me the {$340.00} back. 

On XX/XX/XXXX, I called chase to ask about the issue. The person at the other end did not understand what I was trying to explain and kept confusing the XX/XX/XXXX redemption transaction which was incorrect with the correct XX/XX/XXXX transaction because they had some of the same charges. Even after another 30 minutes on the phone, I could not explain. When I requested a different agent, the request was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX through XXXX XXXX that there had been a change on credit report. I noticed that a company, Sunrise Credit Service, had reported late payments and was listed as a derogatory account on XX/XX/XXXX, and XXXX. I had never entered into a contract with Sunrise Credit Service nor had I ever received any mail, email, or phone calls from the company. 

On XXXX XXXX I answered a call from a representative from Sunrise Credit Services. The representative wanted to confirm my mailing address and I inquired about their business. They informed me that they were attempting to collect a debt from XXXX XXXX XXXX. This was surprising considering I had a current account in good standing with XXXX XXXX XXXX. They also informed me that they had emailed me on XX/XX/XXXX. Checking my email I did not see any email from Sunrise Credit Service and informed the representative of this fact. I objected to the debt and told the representative to have the company send me any information about this " debt '' by mail. They informed me that i could log into an account on their website, which I told them I refused because I had no verification that I owed this debt to Sunrise Credit Service and repeated that I want them to send me their contract and additional information about the debt by mail. They informed me that they would do so. 

As of XX/XX/XXXX I have not received any mail communications, or through other means, from Sunrise Credit Service. I sent a letter on XX/XX/XXXX requesting verification of the debt, proof of licensing in State of MI, and any contract they hold with XXXX XXXX XXXX to collect the debt. I have attached my letter to this complaint. 

As of now, I don't how Sunrise Credit Service was able to report late payments and a derogatory account on credit report without ever informing me nor verifying the debt.

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 2020-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank
State: FL

Complaint narrative:
First issue somebody write {$18000.00} check in somebody else company name had it delivery two another address and the bank denied my claim for no reason and would send us information i file XXXX that said that don't have to tell us why but not there money on the line it's my money and then that close my account in issue i should have been tell about something costing that much. Then on top of that I had made claim for XXXX charger because by them closing my account XXXX place hold on my account in i never got my order the bank wouldn't file a claim on my behind ever doe i was tell by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX  credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXXXXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXXXXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.

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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX credit card that I paid-off in two payments, one for {$300.00} on XX/XX/2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXXXXXX XXXX XXXX can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is XXXX balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXXXXXX XXXX XXXX  several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX Bank credit card that I paid-off in two payments, one for {$300.00} on XXXX 2020 and for {$21.00} on XXXX. For some reason, the bank had a billing issue and XXXX XXXX Bank can not verify the {$300.00} dollar payment. For that the bank decided to label my account as delinquency due to no payment received and later as charge off. 
First, they never send me a letter or notice to clarify the billing problem even when I paid off, I already probe it, they had the obligation to contact me to resolve this matter. Second, they should not just label and report to the credit bureaus my account as charge-off, that hits my credit score and credit liability ; this can not be a change off because, if the {$300.00} payment was returned -not the case- I made a second payment for {$21.00} dollars leaving the account in good standing. 
This is not confusing, the account received both payments on time and is zero balance, can not be a charge-off because it doesnt fit on the criteria to label an account as collection/charge off, such as delinquency and period of time without payments. 
I tired to resolve this issue with XXXX XXXX Bank several times but every time that I try the representatives get confuse and do not provide a real solution. I requested an investigation, in one call they told me a investigation was opened and in a different call they told me they can not open a investigation if I dont send bank statements to confirm the {$300.00} payment was made, in a different call they said they already made an investigation but not providing any results. I am tired of this and the worst is that the charge-off is hurting my credit score ; I am about to close escrow to purchase a home, this can prevent me to close it and losing thousands of dollars in home deposit.

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 2020-11-19 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2019, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: IL

Complaint narrative:
On XXXX 2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2019, CAPITAL ONE add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX Equifax - 1st Dispute letter for credit file discrepancies/inaccurate information XXXX Equifax - RE : Request to provide Method of Verification XXXX Equfax - 3rd and Final Notice to Cure XXXX XX/XX/XXXX -1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX XXXX RE : Request to provide Method of Verification XXXX XX/XX/XXXX XXXX XXXX and Final Notice to Cure XXXXXX/XX/XXXX-1st Dispute letter for credit file discrepancies/inaccurate information XXXX XX/XX/XXXX- RE : Request to provide Method of Verification XXXX XX/XX/XXXX - 3rd and Final Notice to Cure The credit reporting agencies have failed to removed inaccurate address, phone and account information, including bankruptcies public record that were reported by a 3 party and not the original creditor, that is hindering my ability to conduct commerce and re-establish credit for housing and job opportunities including my spouse ( XXXX XXXX XXXX XXXX whom has given me authorization to dispute items on her report as well. ( See Complaint # XXXX / # XXXX / # XXXX )

Company response to consumer: Closed with explanation