vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I purchased a van through Sun Trust Bank in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

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 2019-02-12 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:
ATTENTION : EXPERIAN DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX This account was disputed on XX/XX/XXXX yet the date of status AFTER Experains investigation remains XX/XX/XXXX. How is that possible? Was there even an investigation performed? Failure to investigate is a VIOLATION! 

The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet Experian still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet Experian lists a past due of {$370.00} on this account. How is that accurate?

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 2019-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc.
State: CA

Complaint narrative:
After I leased my new vehicle on XX/XX/2018, I spoke with a person making sure what I had to do regarding insurance for both cars. I knew I could not return my XXXX at the end of XXXX. However, later I learned I could not return it until XX/XX/XXXX unless I wanted to pay additionall fees. 
So I kept it and paid for the month of XXXX knowing I would not be driving it. I called in XXXX to cancel the insurance with XXXX XXXX in because I changed insurance companies beginning XX/XX/2018, and found out the account had been closed. I assumed they were aware of my business with the new insurance company and new car. My sales rep had said I was also covered for several weeks so I was safe. Anyway, now I have this collection notice? I am confused. I called to cancel and could not, because the account was closed. How can this be fair? I feel I am not liable. 

Please help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I received a notice from Wakefield & Associates in regards to an account with XXXX XXXX XXXX. First, I have never heard of XXXX XXXX, nor do I know what this is in regards to. This letter ( also included with this complaint as Document 1 ) does not state what product or services were given ; only information is a date and amount. At this point I can not properly dispute what this is in regards to or ask the right questions to determine how this should be disputed. I would also like to point out that there is an interest owed section in this letter. Why would I want to pay interest on an account that I was never notified existed, and has taken over 25 months for someone to contact me about it. 
There are a few basic questions I can ask at this time ; but depending on the answers, further escalation with the CFPB may be required.

1. What products or services were given on the service dates mentioned?

2. If these were medical services, was financial aid available if requested?

3. What method of contact was used to notify about this account? Written letters ( statement and mailing dates needed )? Phone calls ( date/time needed, what number was called, was voice message left )? Was email sent ( what email address was it sent to, what domain did it originate from )?

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 2019-02-12 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I was approved for the American Express Gold Card. I used a referral link that would give me XXXX bonus American Express points for meeting a minimum spending requirement of {$3000.00}. I had a tax bill to pay, so I quickly met that payment. 

I met this minimum spending requirement on XX/XX/XXXX. See attached. 
The bonus points were not deposited to my account. 

I called American Express twice over this. On XX/XX/XXXX, I spoke to a customer service representative who said my points were on their way, and they were just waiting for my XX/XX/XXXX statement to close to see if I returned anything, and if so if I had met the minimum requirement. ( AMEX stated to me on the phone today on XX/XX/XXXX that they have this call recorded and would review ). I was promised that I qualified for the bonus and it was on its way. 

I called AMEX again on XX/XX/XXXX, and found out that I am, in fact, NOT eligible despite signing up for the card, being approved, and using the card to meet all of the requirements to meet the minimum spend. In fact, I was made aware that AMEX in fact, told me over the phone that I was not eligible, and I spoke to a supervisor about this. I can not emphasize enough that this is completely fabricated and made up. 
I never spoke to a supervisor regarding this and was never told I did not meet the eligibility for the signup bonus. AMEX is blatantly lying and committing " bait and switch '' and consumer fraud by denying me the bonus I have earned. 

This XX/XX/XXXX is in fact the first time that I was made aware that I did not qualify for the bonus. I was never informed when I signed up and was approved, and through the 4 months using the card. This is blatant consumer fraud and a textbook definition of bait and switch. 

Please contact AMEX, have them turn over all recorded phone call conversations with me and have them give the signup bonus I have rightfully earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: VA

Complaint narrative:
I purchased a van through XXXX  XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

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 2019-02-12 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: VA

Complaint narrative:
I purchased a van through XXXX XXXX XXXX in XX/XX/2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: VA

Complaint narrative:
I purchased a XXXX  through XXXX XXXX XXXX  in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.

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 2019-02-12 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: TX

Complaint narrative:
ATTENTION : TRANSUNION DISPUTE DEPARTMENT I am sending this dispute letter after submitting complaints with the CFPB regarding the following : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items XXXX XXXX XXXX XXXX : XXXX The terms are inaccurate. 
There should be no negative payment history reflected on a credit file once the account is closed yet TransUnion still shows negative payment history for this account being recorded monthly. 
There is no listing of the date of last activity on my credit report for this account. That is a FRCA violation. 
There should not be past due on a closed and/or charged off account yet TransUnion lists a past due of {$370.00} on this account. How is that accurate?

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 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I seek assistance in repairing my credit. The account for XXXX with a balance of {$57.00} was written off and was removed by credit repair help. I've noticed that the debt was purchased and now on my credit report again as of XXXX, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: KY

Complaint narrative:
XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
In mid-late XXXX I requested that XXXX do an investigation or thorough count on the number of payments I have made that count towards the 120 PSLF payments since I did not feel the number they gave me was accurate. In early XXXX, I believe XXXX or XXXX, I received a call from a representative at XXXX, asking if I still wanted the count completed and I indicated I did. I called roughly 6 months later ( and about a year after my original request ) inquiring about the status of the count considering one of my statements showed two different numbers for my two loans, one being in the 70/80 's and the other in the 30 's. I was told at that time that they hadn't even started the count until XXXX, and according to their false records I hadn't requested it until XXXX -- which is completely untrue but XXXX treats me as if whatever their records say is fact and could not possibly wrong. I spoke to someone in XXXX XXXX and inquired about the count since it continues to be incorrect on my statements, not to mention I've never been given any type of resolution or letter indicating their findings ; I was told it still isn't complete and they have no clue when it will be done. When I call XXXX for any reason, I get anxiety because of the lack of consideration, being told I'm essentially a liar because they don't see something I've said written in a note in their system, and inconsistent answers/recommendations between a representative and supervisor. I requested the count be done about 18 months ago and it has yet to be done. I fear that this will go on to effect my forgiveness and prolonging payments I have difficulty making. I consolidated my loans in XXXX and have been employed FT continuously since XXXX ; which stands to reason I should complete the PSLF payments in XXXX, which is the reason I felt the count was incorrect. I am beyond frustrated with XXXX and would like assistance in resolving since I have no way in doing so besides calling and asking ; which I do not feel should be expected for them to do their job in a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
On or about XX/XX/2012 my Ex-Husband purchased a vacuum cleaner in my name. The approximate price was about {$1500.00}. When he stopped paying on the vacuum cleaner my name was sent to the collection agency. Every year since then they have been adding more interest to the original {$1500.00} debt and changing the report date each time to reflect a earlier than later date of collection. I tried calling to dispute it but was told I needed to pay the entire amount or I would be brought to court. Soon after I would receive phone calls from Monterey Collection services every week to try and collect debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
I have never done business with the below listed company. Therefore my request is this account be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
XXXX XXXX i never applied and never have i ever gotten anything for them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CA

Complaint narrative:
MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company Equifax put 3 negative negative inquiry in my credit report like you see bellow i contacted Equifax and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # XXXX with Equifax Equifax Credit Report for XXXX XXXX XXXX Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit. 



AND THE SAME HERE WITH XXXX MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX put 2 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I have repeatedly tried to contact diversified consultants about a incorrect account on my XXXX, XXXX and XXXX  credit report. Its hurting my ability to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
I have repeatedly tried to contact CMI to remove an incorrect account off my XXXX, XXXX and XXXX credit reports. Its hurting my ability to apply for new credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NC

Complaint narrative:
CREDCO IS ON MY REPORTS ... AS A HARD INQUIRY ON XX/XX/2018 ... I HAVE ASKED REPEATEDLY REGARDING THEIR HARD INQUIRY DETAILS AND WHAT INFO AND DATA THEY ARE REPORTING TO BUSINESSES BEACUSE I WAS DENIED A LOAN I ASKED THEM REPEATEDLY TO SEND .ME MY INFO TO XXXX XXXX XXXX XXXX NC 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