vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-10 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: MA

Complaint narrative:
Amex has slapped a charge of {$970.00} on my XX/XX/2020 bill, the charge is dated XX/XX/2020. This is for an order with merchant XXXX XXXX, for which was cancelled XX/XX/XXXX, and XXXX XXXX issued credits amounting to the total of {$970.00}. Therefor rendering this charge cancelled out. A rep by the name of XXXX with Amex, claimed it was what I had to pay for the dispute. Yet the merchant paid back the funds, to which should have closed out any dispute. Thus, making her statement senseless. I have included documents verifying my {$970.00} bill payment made in full to Amex from my banking institution, on XX/XX/2020, for my re-purchase of the washing machine appliance from vendor XXXX XXXX. That proves I should not be having to pay a second charge of {$970.00}, it is baseless and fraudulent. XXXX XXXX has also supplied documentation showing proof of transactions dates/receipt # 's, to demonstrate the honest truth that they issued credits back in the first week of XX/XX/2020, in the total of {$970.00}, for the XX/XX/XXXX cancelled order that never took place due to pandemic lock down. They also supply reciept # of my rightful payment made for the machine, that they received in my Amex bill for XX/XX/XXXX, processed XX/XX/2020 in the amount of {$970.00}. XXXX statement on Amex website is currently unavailable but again, XXXX XXXX is providing trans # 's proving credits issued and accepted to my Amex account. After all the deceitful practises, letter of lies, fraudulent misconduct and criminal activity that is baseless and completely unfounded, this card will now lay dormant and unused as Amex has caused me such extreme XXXX and XXXX XXXX that far reaches beyond any normal depths of human decency and healthy, trustworthy business relationship. I know this bogus " charge '' was thrown at me in retaliation for my filing of complaints calling for accountability. The work-from-home era of unmonitored reps., has resulted in outlandish and inappropriate behavior and illegal activity designed to victimize us as card holder. I earned a near perfect and impeccable credit history and do not have to succumb nor endure Amex abuse!! XXXX whom I spoke to on Monday XX/XX/2020, claimed the {$970.00} charge had to be legit yet could only provide a flimsy half -reply that it's my dispute charge?!? Yet she insisted its a legit charge. Strange when I told her to look at beginning XXXX to see the merchant credits for that amount and cancelled order, she oddly, " couldn't see them ''. Furthermore so convenient that my XXXX Amex statement that should show proof of my {$970.00} paid in full XX/XX/2020, is NOT a statement but a ridiculous letter stating changes to my account!! XXXX went silent and then eventually disconnected from the line. Crooks!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX XXXX is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$1800.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10 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: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae has incorrectly marked payments I made on time, as past due. They admitted their mistakes weeks ago and said it would be rectified come the next billing period, which it has not. As a result, my credit score has severely suffered. When I call Sallie Mae, they consistently transfer me to different people where I have to start from the beginning and explain my situation once again. I have requested tangible confirmation through email or USPS and they have refused each time. They tell me they will fix the situation by a certain date and then nothing is done and I have to start all over. It has been going on for months. I am at the will of their collection agents. I have made my payments consistently even in extreme financial hardships. They refuse to let me make payments based on my financial expenses and income and XXXX me with interest. At this point I just don't now what to do. I spend hours calling them each day and get no where. They disconnect my calls and I can never find my way back to the same agent. Please help me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
The account being reported by Portfolio Recovery is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and Portfolio Recovery is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX is in breach and XXXX XXXX is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XXXX XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and one XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state Rico and false claims act laws And state penile code laws. I request a written response

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 2020-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two issues with BBVA USA 1.My financial advisor XXXX XXXX and XXXX XXXX from BBVA Compass start managing two of my Life Insurance in XXXX XXXX.1 Insurance company XXXX, Policy number XXXX, Beneficiary XXXX XXXX Trust , Face amount {$15.00} XXXX XXXX 1.2 Insurance company XXXX  XXXX, Policy number XXXX, XXXX XXXX XXXX XXXX, Face amount {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / Tel. XXXX Building / XXXX XXXX XXXX, XXXX, CA XXXX / XXXX  XXXX XXXX, XXXX Senior Vice President | Financial Advisor III BBVA Compass INVESTMENT SOLUTIONS, a division of BBVA Securities Inc. 
Tel. XXXX XXXX XXXX - Fax XXXX XXXX XXXX - Mobile XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Right now financial adviser XXXX XXXX and XXXX XXXX any officer of BBVA Compass dont give my any informations about my Life Insurance They close my collateral account {$1.00} XXXX XXXX I did not receive any money back and they control my two Life Insurances Please help me return my Life Insurance 2.BBVA USA close my account XXXX stole {$710.00} and i filed complain to FDIC Here is email from FDIC XX/XX/XXXX Ref. No. : XXXX Re : BBVA USA ( XXXX XXXX  ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the Federal Deposit Insurance Corporation ( FDIC ). 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System. 

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXXSK-FDIC Fax : ( XXXX ) XXXX cc/enc : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.

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 2020-11-10 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: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
The account being reported by LMNV Funding, LLC is not valid. The XXXX XX/XX/XXXX credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XX/XX/XXXX who both billed for the insurance and offered it from the beginning. XXXX XX/XX/XXXXreceived notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XX/XX/XXXXis in breach and LMNV Funding, LLC is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: KS

Complaint narrative:
The account being reported by XXXX XXXX, XXXX is not valid. The XXXX XXXX  credit card for {$790.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX  XXXX  who both billed for the insurance and offered it from the beginning. XXXX XXXX  received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX XXXX  is in breach and XXXX XXXX, XXXX is attempting to collect a invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX, I refinanced my mortgage with XXXX XXXX ( XXXX XXXX XXXX ). The first payment was due on XXXX/XXXX/2020, and the payment was received by XXXX XXXX and processed on XXXX/XXXX/2020. On XXXX/XXXX/2020, my loan servicing was transferred to BSI Financial ( https : //www.bsifinancial.com/ ), however BSI has still not recognized the payment I made to XXXX XXXX, and show my loan as delinquent. Despite repeatedly calling them, they have made no apparent effort to contact XXXX XXXX to locate my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10 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: AR

Complaint narrative:
Experian has another person 's information on my credit report including another persons SSN. 

When I tried to get electricity set up at my new home, the electric company sent me a copy of the report from the soft credit check that showed no records found for my SSN. 

So now according to Experian, my SSN does not exist.

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 2020-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I did not apply for this loan, but the company, Mariner Finance, sent out " live '' check, that went cashed would be acceptance of the loan. I need cashed a check, but someone did. When I found out about this, I informed Mariner Finance. I filled out a police report and they were to investigate. But they put this on my credit with delinquent payments and now my credit score has went down. They were suppose to take this off my credit while they investigate, but they haven'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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both TransUnion and XXXX  have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntiXX/XX/XXXX Account NameXX/XX/XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/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 2020-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and Equifax have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXXAccount NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation