vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have written the following companies and I have not yet to receive any type of response. Im requesting to get these items removed because I did authorize these companies to pull my credit. Its going on 60 days since I write these companies. I requesting that these inquiries be deleted from my credit file/ all credit report/ credit ( Transunion, XXXX and XXXX ). Here  are the following companies : XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX/XXXX-XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XXXX ; XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX   XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX / XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2019-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had an XXXX  XXXX Platinum Plus credit card through Bank of America for quite a while. Several months ago, I applied to upgrade my status from Platinum Plus to Visa Signature card, which includes benefits such as the Companion Fare. I was approved for this upgrade, and was told that I was to receive the benefits of the card annually. 

However, when I tried redeeming the benefit of the card, I was told that I would not be eligible to redeem the rewards for an entire year. Their definition of 'annually ' meant that I'd have to wait an entire year for these benefits to go into affect. This nuance was never communicated to me, either by the staff member who I spoke to over the phone, or in the benefits summary sent to me. 

I feel that Bank of America has misrepresented the benefits granted by the card. They are refusing to grant me these benefits that I feel I am entitled to.

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 2019-09-19 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello It looks like there was a hard inquiry that impacted my credit score. 

I am concerned as it says I opened a new account / credit card with some bank called " synchrony bank. '' This is incorrect information. I did not apply for a new credit card -- and if SOMEONE did with MY security information, it was NOT me. 

Can you please get back to me so I can 1. fix the impact on my credit and 2. understand how to fix if this is 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 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.

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 2019-09-19 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This complaint is regarding the credit unions namely XXXX, Equifax and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

Equifax deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XX/XX/XXXX and XX/XX/XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX with classes starting in XXXX, I enrolled in XXXX  college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. 

I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. 

Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. 

Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the
{$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. 

I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at  the school, but they didn't do anything to help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
A loan company called GreenSky has been harassing me and my husband for payment on a loan we never applied for. My sister was the loan applicant. We agreed over the phone to be co-signers, but never signed anything and did not receive any documents describing payment terms. GreenSky says they do not have any paper copies of anything, only computer records. They told us they could not change their records to correct the wrong information. They also told us that the loan was denied to my sister, but they have been cashing her loan payment checks in addition to harassing us for payment. One person at GreenSky told us that the only way we could stop the harassment was to " pay off the loan and apply for another one under the correct name. '' Lately we have been getting two dunning calls every day from a number with no caller ID. My sister is also getting calls every day from this number. We blocked the number but she has answered it and says they are very rude to her, despite the fact that she is current on all of her loan payments. We have been trying to resolve this for two years. Two complaints to the XXXX   have yielded no result, as they simply refer the complaint back to GreenSky, and  GreenSky ignores it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This complaint is regarding the credit unions namely Transunion, XXXX  and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

Transunion and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.

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 2019-09-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This complaint is regarding the credit unions namely XXXX, XXXX and Experian. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX  deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and Experian did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

*******Acct number-XXXX- states a balance of {$820.00} WITH 2 DIFFERENT REPORT OPENED DATES FROM XX/XX/2017 TO XX/XX/2017 this also incomplete and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.

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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/XXXX received voicemail from XXXX that said unless I called back I would be served with a summons. They stated to call XXXX to resolve. When I called that number they stated I could pay XXXX over the phone or wait for the summons Monday and pay over 1000, the rep said the company name was XXXX XXXX. Called the bank they referenced and the bank stated my account was closed in XX/XX/XXXX in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: NY

Complaint narrative:
Contacted company XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about open account on my credit report. I called to indicate I have no knowledge of the account and opening the acocunt. The number listed on the credit report is for a customer service life alert where they try to sell you a product but no answers your questions about the account. The only number listed on the internet for XXXX is for XXXX  and located in XXXX XXXX. I have no knowledge of this account and wish to have it removed immediately from 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 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Im having false charges from XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX With XXXX XXXX I had signed up through XXXX and the agreement was $ XXXX/month but after the 2nd month the cost/month was {$90.00} and we didnt agree to that amount I have equipment of theres Im willing to return as long as postage is paid and Im incapable of getting their dish off of my roof is the other issue With XXXX & XXXX we bought cellphones from them and had cellphone service where the rates were changed on us as well The amounts they have of what amount I owe is much higher than what it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: NC

Complaint narrative:
On XX/XX/2019 I noticed that American Express was offering a credit card called Blue Cash Preferred. They offered {$300.00} cash back if I were to spend {$1000.00} in the first 3 months. See : https : //www.americanexpress.comXXXX  XXXX. 

This was the URL used but it is no longer working : https : //www.americanexpress.com/XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a Word document containing the screen shot of the offer. I took a screen shot on the day I applied. It clearly says {$300.00} back. 

I applied for the credit card on the day of the offer -- XX/XX/2019. Proof that I filed on the day and time the offer was made is the screen capture of the date of the word file which was stored by XXXX on my computer. See the attached file called, " This shows the date on the word doc which is XXXX the date I submitted ... '' My account with American Express shows that my account was set up on XX/XX/2019. 

Three months later when I fulfilled my obligation to spend {$1000.00}, American Express failed to meet their obligation. American Express did not credit my account with {$300.00}, the offer American Express made. Instead, they only credited me {$250.00}. 

When I filed a complaint with American Express, they said they would investigate. However, upon investigation, they denied my complaint. I told them I had a screen capture of their offer but they did not seem to want it. They never told me how to send the screen capture to them. 

They denied my complaint saying the application did not have the proper code -- some code I guess for {$300.00} -- on the application form. When I later read off the screen capture with the URL code on it for the very page showing {$300.00}, American Express still refused to credit me with the missing {$50.00}. 

I would call that false advertising. I suspect that few future customers make a screen capture of their offer. They should not get away with such a deceptive practice this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: RI

Complaint narrative:
Hi, this company keeps reporting inaccurate information to the credit bureaus such as " late payment '' every single month on a closed account, a " past due '' on the same closed account. How is this possible? I have sent them multiple letters and they never respond even when i point out factual errors and inaccuracies such as reporting a late payment for the same month and year that they report " on time '' to another credit bureau. This is hurting m ability to obtain a fair credit score and report and making it very difficult to obtain a mortgage. 

I have disputed with the credit bureaus which in turn sent me to this company and i contacted them but instead another company by the name of " XXXX XXXX XXXX XXXX XXXX XXXX '' responded saying that they are in charge of collecting the debt but they dont even show up in my credit file.

Company response to consumer: Closed with explanation