vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
To Whom It May Concern : I am an authorized account manager and additional card user on an American Express Platinum Delta Skymiles credit card. Due to COVID-19, XXXX XXXX refunded flights totaling {$1800.00} to our American Express account. On XX/XX/XXXX I called into American Express to request a refund check be sent out to me for this amount. The check was never received. After waiting at least two weeks, I requested that a wire transfer be processed for my account. I provided the joint checking account and routing numbers and this was never processed. 

After waiting another week I called back and was refused to speak with a supervisor. When I eventually got a supervisor and desired to escalate further, I was hung up on and no one has called me back. 

After finally receiving my money back greater than 30 days after the initial request I thought all was fine. On XX/XX/XXXX, American Express processed another charge to my account in the amount of {$1800.00} making it appear that I owe them money. My billing statement closes on XX/XX/XXXX and my credit profile will be negatively impacted due to this. I am in the process of purchasing a house and this will potentially prevent me from doing so due to the negative impact to the reported amount. American Express claims to have sent another request to their refund team via a ticket and an email. I have been told things will be resolved within 48 hours to 7 business days, which is unacceptable. 

Now after spending at least 10 hours on the phone with American Express to resolve their mistakes they will not own up too. 

A prompt response is requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-16 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: TN

Complaint narrative:
THESE ACCOUNTS WAS OPEN WITHOUT ME EVER KNOWING OF THEM I AM WORKING WITH THE LOCAL POLICE TO FIND OUT WHAT HAS HAPPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS OPEN WITHOUT ME EVER KNOWING OF THEM I AM WORKING WITH THE LOCAL POLICE TO FIND OUT WHAT HAS HAPPEN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been attempting to get Experian to UNFREEZE my credit. They won't. 

I submitted my request in writing : Copy 's of my personal identification ( drivers license ), Social security card Auto insurance bill. JUST AS THEY ASKED! I even sent a copy of my birth certificate! 

I need to apply for a credit card to help me survive the Covid-19 lockdown. I believe it is racism. Experian knows I'm a XXXX man and they're attempting to make sure I can't use my credit. They changed my password OUT OF THE BLUE and will not allow me to log in to UNFREEZE my credit. 

Why does the CFPB continue to side with them? 

If I get another reply asking me to send my personal information in the mail I will hire an attorney. I will use these messages and mail receipt as proof. I will sue for discrimination.

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 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have Credence listed on my credit file, immediately I contacted Credence to report fraud. When I call in Credence can not verify my address or my name as I write it only my SSN and not my correct address. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them 1000.00 $ to remove from my credit file. I refused to pay a debt that doesnt belong to me. 

Credence refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is showing my name as XXXX XXXX date of birth XX/XX/XXXX This is incorrect my name is XXXX XXXX XXXX date of birth XX/XX/XXXX Because of this there are false collections being reported to my credit report damaging my credit score making me unable to get a job or a house please remove this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Financial has closed all of my accounts with no warning. I have paid my bills every month. One of the cards had XXXX balance. I logged into pay my J.C. Penney bill a few days ago and noticed that it said the account was closed. I then logged into my Lowes, Care Credit, XXXX, PayPal and other accounts and all are closed. I still have my job and have not been affected by Covid 19. I have had the J.C. Penneys Card for over 20 years. 

My credit score has been affected by this and I am not sure how low it will drop now. I have more credit used than what I have available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted XXXX XXXX XXXX on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been a victim of identity theft since 2007. I have been paying off debt that isnt mines for years to have them removed from my credit file. 

I pulled my credit file, I have XXXX listed on my credit file, immediately I contacted XXXX to report fraud. When I call in XXXX can not verify my address or my name as I write it only my SSN and not my correct address. 


After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a response of all they have to have is SSN. I call and get transferred overseas and a script read to me. I contacted them with all of my info. Today I called in and they said I could pay them XXXX XXXX to remove from my credit file. I refused to pay a debt that doesnt belong to me. 

XXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company with no debt validation investigation performed. I keep getting sent overseas. The information they are reporting is not mines. My FICO shows someone else other than me has been using my Information Im sure theres more fraud to come. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: IL

Complaint narrative:
This loan has been officially paid off as of XX/XX/XXXX. I was making payments every 2 weeks and it was been paid off. while looking at my report it hasn't shown any update to me making payments on this bill. Also when obtaining this loan I was given loan documents that I signed for payments to start later on in the year of XX/XX/XXXX. then I was sent an email stating those papers that I initialed were wrong but I never signed the updated versions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: AmerAssist A/R Solutions, Inc.
State: FL

Complaint narrative:
Amerassist AR Solution is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted amerassist ar solution on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted XXXX XXXX XXXX  on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: AFNI INC.
State: FL

Complaint narrative:
I received a notification that this company, AFNI reported a XXXX XXXX   balance on my credit Bureau file. I have not had an XXXX XXXX account in over five years and I did not have a balance with them! 
I never received a letter from this company or XXXX  to discuss this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Apparently, your customers are not " amazing '' as you claim. I have been a cardholder with you for almost 1 year and you abruptly shut out my Old Navy account because 2 payment was returned. I guess you guys want to be cold and heartless during this COVID pandemic. I hold multiple synchrony accounts and to be tossed like trash is not cool. I am on the phone right now with a representative and they even said I had a good payment history and don't understand. They charge late fees and that isn't sufficient enough. They punish the customer and shut the account out completely. They said they could not reopen the account. I would need to reapply. I told them I would never reconsider reapplying with them. I may go ahead a shut out my other accounts with them. I despise Synchrony Bank and do not trust them to meet my financial needs. The representative likes to talk over you. I wouldn't let her. You close the account out so you should listen to what I have to say. I see the reviews online and they did a lot of people like this. I just want this noted with CFPB so others will see they are not the only ones who they treat bad like this.

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 2020-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inquiries on my credit report that I havent made. Recently there have been a lot of false information reporting to my credit report please check records to confirm this. I havent applied to finance any vehicles for the past 12 months and there are collects on my report from dealerships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: AL

Complaint narrative:
So back in 2018 I have a missed payment in XXXX that I was NOT able to pay due to being in XXXX XXXX in the emergency room. Since then I have made all payments on time and have not MISSED one payment since then which 23 months of consistent online payments on time. 

With covid going on credit is incredibly important and I would like this late payment removed. It is affecting my credit which could get me lower car payments and much more. 

Money is hard to come by during this horrible time in America and I feel like it would only be right to get this completely removed from my credit. Just the late payment that was made back in 2018 in XXXX. So I can get the best loans possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I recently received an alert on my credit report and noticed an account I've never had or opened. The name of the account is listed as LVNV Funding. I have been is dispute with the credit bureaus over the past several months in regards to fraudulent accounts appearing on my credit file due to identity theft. Most of the accounts have been blocked from the bureaus but for some reason this account is now showing up on my report. I never received any initial 5 day notice in the mail as per the Fair Debt Collection Practice Act requires. At this point LVNV Funding is in violation and this account must be removed immediately from my credit file. I've never received any goods, services, or money in relation to this account from LVNV Funding or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
I checked my credit reports via XXXX XXXX and it shows two collection accounts owed by Resurgent Capital Services of XXXX South Carolina. 
I never received notice or the right to dispute by these new owners. 
The former owner was LVNV.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Dear Sir or Madam, We are very disturbed due to the COVID epidemic. And based on the Public information floating in various media, we decided to take all possible protections as recommended by the various Authorities and Experts. 

On the Mortage side, we were curious to explore the precautions. 

We tried to contact the Mortgage company SLS directly on phone to get full information. However on their website, it was clearly said that they are experiencing a very high volume of inquiries, so the only way to contact them in Via Email. 

The details of the Mortage Company are : Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX So we contacted via Email, sometimes in XX/XX/2020. 

And we continued making regular mortgage payments in XXXX, XXXX in time, and would continue doing so in the future, as per the contract. 

However, we were shocked to get an ALERT in the second week of XX/XX/2020, from our XXXX XXXX XXXX, that SLS has made public notings/comments on the Credit Reports. 

We have never defaulted on our payments and have always made payments to them in time. 

We immediately contacted them for the reasons for the notings as we never took any assistance and have been paying in time. 

They responded that " someone '' would get back to us in 7 to 10 days, and did not offer any explanations or clarifications for those Public  Notings on our account We find this behavior inappropriate and we are being unnecessary being given a hard time by them. 

We have NEVER missed a payment and all payments have been made in the right amount and time to date. We will continue making payments on time. 

We therefore request removal of the comments as they are causing us massive distress in these times, and we are being needlessly targeted, despite fulfilling all the terms. We are NOT taking any assistance from them, for paying our Mortage loan. 

Please freely contact us for any information/clarification. We shall be happy to provide the same promptly. 

Thanking you and looking forward to your help. 

Sincerely Shocked and Disturbed Mortgage Holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I filed a complaint and received a conclusion on XX/XX/XXXX. Of course, Chase did the investigation on elder discrimination and continue to ignore processed payments to them to state three months behind. Chase concludes the payment missed in XX/XX/XXXX. But I am still noted according to Chase three months behind this year XXXX. Chase did recognize my XX/XX/XXXX payment of {$640.00}, XX/XX/XXXX payment of {$640.00}, and XX/XX/XXXX payment of {$640.00} but ignores the payments on XX/XX/XXXX, payment & XXXX and XX/XX/XXXX. I want to understand why Chase continues to omit my XXXX and XXXX payments. I alleged Chase continue to ignore the payments to justify three months behind to foreclose on the home. The one-month payment behind was XXXX of XXXX and payments were given twice in XXXX. I am XXXX years old and one of the chase representatives did allege my house would be taken. I alleged Chase trying to go back few years to confused and create a lie. I do agree with going into XXXX one payment behind. I do not agree with missing three payments in XXXX. I alleged Chase is ignoring my XXXX and XXXX payments to put me three months behind.

Company response to consumer: Closed with explanation