vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has not blocked the fraudulent accounts that are listed on my Experian Credit File, All they could tell me when I called to have these items blocked that were opened due to Identity theft was that, the creditor has provided " sufficient '' Evidence that these are my accounts. Yet that isn't possible, because for one the XXXX Account shows 2 payments in the amount of {$0.00} then it shows 2 deliquencies One in XX/XX/XXXX and one in XX/XX/XXXX, Which doesn't make sense because wheres 's all the other dates? We are here in XX/XX/XXXX.  Experian skipped all those months, and yet also this account was opened at a fraudulent address that EXPERIAN Fraud Department verified that they blocked in XX/XX/XXXX. Yet they have listed both a XXXX card account which again is on my FTC Identity Theft Affidavit which has been sent to the police, and a XXXX Account. You have to be a member of the military of have family in the military to join XXXX which I do not have either, nor have I ever been associated with the military. Again this account was opened at a XXXX XXXX address I never lived at its listed on my affidavit and yet Experian still reports these accounts knowing they are fraud. 

Account # 1 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$4600.00} Opened on XX/XX/XXXX. 
Account # 2 - XXXX Creditor XXXX XXXX XXXX XXXX Balance {$15000.00} Again This is fraudulent and only shows 2 payments of XXXX $ Obviously it's fraudulent and These two accounts were opened after my identity was stolen. The documentation for these accounts were sent to fraudulent addresses both account applications were fraudulent and Experian does not have any sufficient evidence besides an invalid license that the company is trying to provide them that doesn't actually match my license. These are fraudulent accounts and per law 603 ( B ) I have not materially misrepresented anything.

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 2019-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-10-16 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: CA

Complaint narrative:
Dear Sir/Madam, This is a verified complaint concerning Equifax 's erroneous credit report. i : reported to Equifax, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Equifax, Equifax wrote back to me in letter date XX/XX/2019, under report number XXXX, that the bankruptcy reports were obtained from XXXX XXXX   which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Equifax, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Equifax to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Equifax and its Co Parties Agent ( s ) Principle ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient Solutions. 

Pending lawsuit for illegal practices in claiming a debt is owed in which they can not provide legal proof. 

Requested documentation supporting the amounts owed and was not provided within the timeframe given via mail correspondences. Received one letter with nothing requested or satisfactory as required by law. 

Navient continued to harass the person via email while the account was being disputed and credit reporting despite requesting validation and harming the persons credit during a formal investigation requests into the validity of the debt and amounts owed. 

FTC, FDCPA, FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I currently have a 30 day delinquency reporting on XXXX  for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018. 

This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
Transunion Factual data XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of 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 2019-10-16 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: CORELOGIC INC
State: NV

Complaint narrative:
Was not aware of the hard inquires

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 2019-10-16 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: FACTUAL DATA CORP.
State: NV

Complaint narrative:
Was not aware of the hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Sarma
State: NV

Complaint narrative:
Was not aware of the hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Currently Freedom Mortgage Corporation is blocking me from submitting my payment online. I have had to pay my mortgages over the phone and work through their {$15.00} phone payment process. I have asked them to fix this since XX/XX/XXXX. Their tech, XXXX at extension XXXX was supposed to call me and work this out. He has several messages from me and the latest we set up a time for today, XX/XX/XXXX XXXX XXXX to resolve and he was a no show. I can only conclude that FMC is now blocking me from making electronic payments. This goes along with their threats, RESPA violation, refusing to pay their bills and refusing to send me the required closing docs I have repeatedly ask for and have not received. 

Thank you, 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 2019-10-16 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: FACTUAL DATA CORP.
State: TX

Complaint narrative:
XXXX Factual data XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Has cost me loans rates not being able to rent this is ridiculous Remove the fcra violation ftc inquires like 30 of them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
They didnt nothing about it they told me to call 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
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
XXXX Is misleading information fcra violation Gold man car and FTC violations

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi i disputed these items to experian XXXX and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/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 2019-10-16 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: FL

Complaint narrative:
Hi i disputed these items to XXXX XXXX  and transunion and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX   XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX XXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/1969

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 2019-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi i disputed these items to XXXX equifax and XXXX  and they have not removed this items and have not validated them and undr 15 usc section 1681i ( a ) XXXX -XXXX XXXX XXXX XXXX acct XXXX showing collection of XXXX. XXXX acct number XXXX chaged off XXXX. XXXX XXXX XXXX acctnXXXX showing XXXX all incur-rate info needs to removed they failed to provide the name address and contract bearing my signature and they are causing me harm my name is XXXX XXXX my social is XXXX XXXX XXXX my date of birth is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: CITIBANK, N.A.
State: HI

Complaint narrative:
I received a promotional offer from CitiAAdvantage that if I opened an account and charged {$3000.00} within the first 3 months I would receive XXXX award miles to my XXXX XXXX AAdvantage account. 

I charged the required {$3000.00} within the 90 day period, but never received the bonus miles. When I called the company to inquire when my Bonus miles would be credited, I was told I was ineligible to receive the XXXX bonus miles because I had a prior account, which was closed, within 24 months of opening this account. The company refused over the phone and sent a follow up notice stating they would not award the miles due to the previous ( long closed ) account. 

If I was ineligible for the bonus miles, the company should have advised me of that fact. Instead, they conducted a bait and switch by opening the account that I thought would earn XXXX bonus miles, only to tell me after I charged the required amount I was ineligible. This is patently false advertising.

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 2019-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried opening a bank of America account and was told I could not and had to call this 800 # to BOA when I called I was told I could never open an account with BOA because of an account that was closed in XX/XX/2006 by loss prevention I don't even remember having a accounts with bank of America they could not give me a reason why the account was closed or any details as to what happened. The girl got really short with me and just kept on saying " sorry you can't ever open an account '' if this was a fraudulent account should I not have the right to get more than just being band for life from a bank. are they discriminating against me because I'm XXXX or none American born.

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 2019-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account # -XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # 4XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account # XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY

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 2019-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/2019, PayPal made my remaining Account balance of {$1500.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email to : XXXX which is my Paypal account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
XX/XX/2020- Purchased American Express prepaid card from XXXX in XXXX XXXX Va. Card said it would automatically activate once used. 
Called customer service and asked if I could use overseas. They said yes. Time of call to customer service was XXXX eastern standard time. 
XX/XX/2020-attempted to make a purchase online for travel authority at XXXX. Purchase was declined. 
XX/XX/2020-attempted to make purchases in XXXX XXXX. Card was declined 8 times. Called customer service. They charged me a XXXX maintenance fee, made me give social security number, address, phone number, etc. To register the card even though the card said when purchased, that I didn't have to register it. Stayed on the phone from XXXX to XXXX. Results were that they cancelled my card and mailed a new one to an address I no longer live at. I asked what was I supposed to do? Customer service told me that I would have to wait. I had someone go by the post office daily. They got it. Paid money to send it to XXXX. I get it and try to use it. Declined. Call customer service to register it, again. They say card is activated. Try to use ATM in XXXX, per request of Customer Service. It declined. I contacted XXXX from XXXX via American Express and she told me that there is nothing I can do and they will take fees out monthly until the card closes and I will not get any of my money back. XXXX is the highest supervisor that anyone would let me talk to and she said her boss doesn't deal with customers. I can not attach documents. I'm over seas and do not have access to my money via American Express so I can't use a computer. This isfrom my phone and attatched to someones wifi

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: FL

Complaint narrative:
I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY

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 2019-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name  XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX  XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY

Company response to consumer: Closed with non-monetary relief