vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: IN

Complaint narrative:
I received poor information that was not in my best interest that was used to manipulate me into a worse financial situation.  Illegal practices that were not in my best interest Follow the paper trail on Great Lakes End.  They advised be into forbearance instead of an income based loan where the government was picking up the interest.  They gave bad information and with held information that ultimately led to a higher principal which caused the interest portion to go up to the point that the government help was no longer covering the majority of it thus increasing my principal even more as I was told it would accrue on the side and not be tacked on.My documentation is that no common person would choose to add money onto their principal that leads to a higher interest payment when they have the option of an income based repayment where their income is showing XXXX.   I went from XXXX to almost XXXX in debt because of this manipulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Sam's Club advertises a card thru Synchrony Bank offering a return of 5% on gas purchases, 3% on travel and 1% on everything else. I called and made sure that if I booked a trip through XXXX XXXX I would receive 3% if I paid with the card. I was assured this was the case. On XX/XX/XXXX The trip I booked was paid Using their card. On my next statement I observed that they had given me 1% for this trip, not the 3% I was told I should have gotten.  I filed a verbal and paper claim. Their response was everything was correct.  I called them and complained to a manager. I was told that although I had used a national service, XXXX XXXX, they are registered as a car company and as such I was ineligible for the 3%. I told them of the previous assurance and was told that because they aren't listed as a "Travel Agency" there was nothing to change. 1% was proper. I then asked if I booked through Sam's Club for travel would I get 3% and even then was told probably not as they aren't a "Travel Agency".  I asked how I, as a consumer, would know if a company was registered as a "Travel Agency" They said I would not. I asked if I could call them and ask if a particular company was a "Travel Agency" and was told until the filing came through they could not.  This, in my opinion, is a bait and switch 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 2019-08-20 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:
I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $XXXX  XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - $XXXX (this is a duplicate account ||XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|TRANSUNION| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - 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 2019-08-20 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:
I have incorrect information on my credit file as a result of identity theft:|XXXX| | Inquiries:XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX || COLLECTIONS:XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX  XXXX XXXX XXXX - XXXX - XX/XX/XXXX - XXXX (this is a duplicate account ||EQUIFAX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX|XXXX| | Inquiries:XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2019-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We had a mortgage with Bank of America then it was sold to XXXX XXXX XXXX. At this time my husband was very ill with XXXX XXXX and wasn't able to work. He went on Social Security/XXXX and we were given a modification. We were told at the time that our interest rate would be 2 % as part of a government program. Then the loan was sold again and the interest rate went to 4 %. We couldn't afford the 4 % or the new loan amount they gave us. My husband was still on XXXX. He kept corresponding with the bank until we had a court hearing in XX/XX/XXXX. During that hearing we once again told the lawyer for the bank that we couldn't afford what they were proposing and we were still on a trial payment plan with them. They wanted to proceed with foreclosure at that hearing but instead filed a Voluntary Stipulation of Dismissal. My husband was handling the paperwork but he died while in the hospital on XX/XX/XXXX. I am now trying to get this all sorted out as I want to keep my house. The last statement I could find from The XXXX XXXX XXXX XXXX XXXX was for XX/XX/XXXX. Again, we have not been to court since XX/XX/XXXX, nor have I received an eviction notice. This past week I received a letter from a realtor saying we have to give her the keys. I did receive a letter from the banks attorney titled Section 3 Notice for Posting and Delivery. 
I need help sorting this out and when I do review the bank statements from XX/XX/XXXX, to try and figure out what is owed they are all different amounts but one this for sure is the mortgage interest is astronomical. Please see all scanned in letters that my husband wrote to the Bank. You will see that he was doing what t

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 2019-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
i allege on XX/XX/2019 Marcus by Goldman claimed to open a {$10000.00} savings account for me confirming with an email of the same date. However, for reasons within Marcus 's enrollment system my funds went missing for more than 16 days before after constant contact and follow up communication Marcus did nothing to assist me with the location and opening of my account for over 16 days.

I am filling this complaint as a matter of right, because I feel they ( Marcus ) disregarded my rights as a on-line depositor and they breached their fiduciary duty to inform me of the status of my {$10000.00} deposit which was lost or un locate-able for over 16 days despite my insistent contact with them to determine the whereabouts of my funds they claimed by email that they had received and opened my account. 

They refused to extend any customer service to me in my request for a reasonable accommodation since they both lost my deposit and subsequently failed to perform their fiduciary duty to alert me of the status of my funds and further failed to assist with the location of those lost funds for over 16 days despite my consistent contact requesting assistance in their location. 

I had to expend an exorbitant amount of time and phone calls and wait time, and drafting letters which took me away from other pressing matters. They never attempted to compensate of provide me with a courtesy with my account nor compensate me for my time and efforts to locate and recover my {$10000.00} deposit. 

Be on the look out for my fax in the next couple of days of three letters, two invoices and most of all my reasons for filing a detailed 7 page complaint.

Please assign me a case number in order that I may follow up with the status of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX- a debt collection agency said i was being sent an arbitration for an old account from wells fargo from XX/XX/XXXX and would have to go to court. it would be delivered to me XX/XX/XXXX between XXXX by a courier. They asked for my personal account info to send them money. I asked them for details on the account and they refused to send me info and stated it was a stall tactic. 

XXXX and XXXX with XXXX XXXX XXXX XXXX, XXXX ( caller ID shows this a a XXXX CA number ), XXXX 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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Sam's Club credit card sends no notice of payment due or overdue. They just keep adding penalties and interest.

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 monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an Experian Membership, I have been trying to sign on for months without success. I have tried everything possible. Experian does not provide a phone number for a Live Person, I have called numerous different numbers and all I get are prompts to reset password or username, I type in the required information and Experian. emails me a link to reset password and my username. I have tried this 6 times today, Yes 6 time with 6 different links, Nothing works. Experian has basically LOCKED me out from my Experian Credit report. I cant even pay for a membership or pay for my report. This is not a problem with XXXX  or XXXX. So it must be an EXPERIAN Issue. This XXXX   XXXX  do not provide a reasonable way to contact them and they have wasted hours and hours of my time. I have called from my personal phone number, from my landline hime number, from My daughters number, NOTHING WORKS TO REACH A LIVE REP.Alternately EXPERIAN has basically said XXXX  YOU to us consumers. How the XXXX  can any corporation who makes billions off my information, which they take without my permission and then make it so XXXX difficult,

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I filed a dispute on XX/XX/2019.  See attached.American Express misclassified my dispute and it was denied.My dispute was not for fraud it was filed because the ATMdid not dispense certain transactions.It has been 42 days as of this writing and I have not beenissued provisional credit in accordance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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:
None of these Hard Inquiries were done by me, why are they on my credit report:|TRANSUNION| |HARD INQUIRES:|XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX-XXXX  XX/XX/XXXXXXXX-XXXX   XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  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 2019-08-20 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: FL

Complaint narrative:
None of these Hard Inquiries were done by me, why are they on my credit report:|XXXX| |HARD INQUIRES:|XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX  XX/XX/XXXX||EQUIFAX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXX

XXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/XX/XXXX|

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
See Complaint #XXXX >> USAA cancelled my card -XXXX because they said it was "compromised". I was told a new one was sent. After a month I have not received. I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX and supervisor XXXX would not continue to resolve this problem.    I was finally able to reach the agents both XXXX and supervisor XXXX each of whom did not bother to listen to the problem. We have been sent a replacement card, but it is the card -XXXX which had not been compromised and is still valid. I had been very explicit that the card -XXXX in the name of XXXX XXXX had been cancelled, was supposedly replaced, but we had not received it. So, by not listening, these two agents instead had the wrong, still active card - XXXX sent us as a replacement and still the card -XXXX has not been replaced and is now voided.I also got a telephone call from someone at USAA "business" something, but this woman did not leave a return telephone number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief