vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-21 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I saw a solicitation online and called the acquisitions department to get further clarification. I spoke with an agent and they told me they couldn't advise if I was eligible without applying for the card. I asked to speak to the manager because that did not seem right. After a 15+ minute hold, the manager was unable to tell me if I would be eligible for promotion or not. He told me I must apply for a product that costs {$550.00} annually. When I asked if they could confirm the promotion and told me what made me ineligible, he responded " I don't have that information in front of me ''. I asked if he could look it up and he just repeated, " I don't have that information and I don't do that. '' I asked him to submit a UDAAP complaint which was not filed or any information taken for. When I asked if he could take my application, the manager said he doesn't do that and I can go online and apply. I asked the manager to please hold for me while I applied online and he promptly hung up. This was unfair and an extremely deceptive practice. 

This happened on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The main focus of the complaint is that Bank of America supposedly put a flood policy on my HELOC account on XX/XX/XXXX, AFTER they sold my original mortgage to XXXX on XX/XX/XXXX. The only VESTED interest Bank of America had in my property AT THAT TIME was {$18000.00}, with a max loan value up to around {$24000.00} total. 

They had a copy of the Elevation Certificate for which I had to pay out of pocket, but failed to use it when they supposedly obtained coverage. They allegedly obtained coverage for {$250000.00}, which they had absolutely no right to do since their vested interest was at a MAX {$24000.00}. 

The policy shows to have been in effect from XX/XX/XXXX, through XX/XX/XXXX, and yet they are wanting me to pay for a portion of the premium from XX/XX/XXXX, through XX/XX/XXXX. There was NO FLOOD POLICY on my property at that time. 

I also have documentation from XXXX showing that Bank of America told them the policy lapsed on XX/XX/XXXX. If that is truly the case, why am I expected to pay premium though XX/XX/XXXX??? 

Bank of America has been sued and has had to pay retribution for requiring everyone with a mortgage to have a flood policy. They were provided with documentation showing my property was not even in a flood plain, but they failed to drop the requirement. 

Bank of America also submitted varying amounts to me for their alleged coverage. I have tried to get them to provide proof of payment, and they refuse to do so. It is their standard practice to stop returning calls so the consumer will fade away. 

I am roughly {$760.00} away from paying off my HELOC account and need to have this money removed from the escrow account so my lien can be released free and clear. I have REPEATEDLY asked Bank of America to do the right thing since XXXX and still can not find anyone competent enough there to realize all of the fraud they have committed. 

I can provide any letters/documents you may need to pursue this complaint.

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 2021-03-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed accounts via certified mail. My letter was delivered on XX/XX/2021. As of XX/XX/2021 nothing has been done. I was also a victim of identify theft and have filed a police report which is being mailed to my current address and I have registered with identify theft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have been a card member with Synchrony Bank for over a year. I have four accounts with them but the one Im having trouble with is my XXXX XXXX account. ACCOUNT # XXXX On XX/XX/XXXX my account was closed, I was reported to the credit bureaus for being 30 days late. I was in the hospital for 19 days during that time and the day I got out I called immediately and paid my Bill. While in the hospital my sister tried to call to make a payment and let them know I was in the hospital with XXXX  but they refused to talk to or accept payment from her. To make the situation worse I have cardholder insurance with them which protects me in a situation like this but they refuse to acknowledge that I have it even though I physically have the police in hand which I will provide to you if possible. I spoke to them twice today and no one is will to honor any of their contractual obligations. Again from reporting me being 30 days late while I was in the hospital it was them refusing to accept payment, they refuse to honor their card hold insurance policy that is in force.. please help

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 2021-03-21 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: NY

Complaint narrative:
Inquiry date : XX/XX/2020Removal date : XX/XX/2020 Bank installment loan I went to XXXX in person to request information about availabilities regarding a loan, but i did not request any loan or line of credit and i did not authorize for them to pull up my credit - they never told me they would do this especially in a middle of a pandemic. Again, i just asked information, i did not request ANY line of credit, i just simply wanted to know information. I want this inquiry to be removed.

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 2021-03-21 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am currently in the process of obtaining a loan in order to buy a house. Per my mortgage company, they are unable to access my third credit score and suggested I contact Equifax to fix the problem. On XX/XX/2021 I spoke to an Equifax representative and was asked to provide both my social security card and driver 's license so my identify could be validated. On XX/XX/2021 I faxed these documents to Equifax. On XX/XX/2021 I spoke to my mortgage company and was told that my third credit score was still inaccessible. That same night I called Equifax and told them about my problem and was met with the same response : provide your social security card and driver 's license. I explained to the representative that I have already done this once so he suggested that I do it again and include my e-mail address in the cover letter so they could notify me once the documents were received and the problem was corrected. On XX/XX/2021 I faxed the documents to Equifax for a second time. On XX/XX/2021 both myself and my mortgage loan officer called Equifax together to see if the problem was rectified, but we were told the same thing ( provide the documents ). That night we spent 3 hours on the phone but kept getting told the same thing even though we explained that I already provided the documents twice ; we even got hung up on a couple of times. On XX/XX/2021 both myself and my mortgage loan officer called Equifax once again and we were still told to provide the necessary documents. We requested to speak to a supervisor and once we were connected, I was told that my mortgage loan officer was not permitted to stay on the line despite me wanting her on the call. I explained to the Equifax supervisor all of the trouble I have been encountering and he suggested that I fax over the documents again but to a new fax number. I asked him how I would know the problem was taken care of as I keep getting told that if I fax the documents, my problem would be resolved. He told me that the fax number he provided is to the highest department and that my request would be expedited. I was also told that my request would be processed and completed within 24 to 48 hours. That same day ( XX/XX/2021 ) I faxed both my social security card and driver 's license for a third time to Equifax, but to the new number the supervisor suggested. My mortgage loan officer also urged me to mail a hard copy of these documents just in case and this will be completed on XX/XX/2021 via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
To whom it may concern, I'm always very on top of making payments on time..

I have a auto lease with Gm Financial and my account was set up on auto pay ( conformation attached ) to make payments. The lease experience with GM ran smoothly until I got a email one day ( attached ) that my payment is past due. I was surprised as I knew that the payment was on auto pay and my bank account always had the funds available. After calling GM I was notified that my account was removed from auto pay by GM as it was past 30 months so GM resets the Auto pay setting. The problem is that I was never notified that my accounts auto pay will be disabled. If I would have been notified I would have been more on top of making the payment. The only notification I got from GM was only after my account was already passed due. I immediately made the payment once I was notified ( conformation attached ).

GM reported the late payment on my credit report which is severely damaging my credit score.

When I discussed it with a GM rep they did confirm that no notification was sent to me about this change they where not sure why. They said they will look into if they can remove the late mark from my credit report. But i Never heard back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: FL

Complaint narrative:
Experian said on its XX/XX/2021 Fico score report that I had NO balances or never used my credit cards from later part of XX/XX/2021 to first few weeks in XX/XX/2021. Why can`t these people do any right. I have been fighting with experian for going on over 2 years cause they can`t do anything correct. I have my proof ( as usual ) to say I did indeed use my credit cards PLUS I did have a balance on my XXXX credit card which experian REFUSED to acknowledge. I am starting to believe that they are a republican back scam artists to help the almighty banks make more and more money with lowering lots of innocent hard working americans Fico scores so the poor XXXX will pay more for loans. I watch experian people every month to make sure they DON`T XXXX up my account. Just think about ALL THE MILLIONS AND MILLIONS OF HARD WORKING AMERICANS that DON`T watch their Fico score.

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 2021-03-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I Sent in multiple letters to Transunion concerning my credit report about unauthorized hard inquires and debt that there are reporting. According to 15 USC 1692 G that have to abide by this law. I sent out multiples letters over the few months my last letter was sent on the XXXX of XXXX and haven't got a resolution from my complaints.

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 2021-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hey I was inquiring about an issue that I have with Chase Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 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: IN

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF THE WEST
State: NV

Complaint narrative:
My Ex-Wife and I recently went through a loan modification with Bank of the West. Per the terms of the modification, Bank of the West was to forgive all past due payments and roll them into the back end of the loan and consider the status of the loan current. I have filed disputes with all three credit bureaus ( 3 and 4 times each depending on the particular credit bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX are the dates for XXXX ) and each time Bank of the West comes back saying the info on my credit report is accurate. The loan is now considered current but they have not reversed the late payments and my credit is still being negatively impacted. I have the signed and notarized modification letter signed by both parties clearing stating the late payments will be forgiven and the loan will be considered current. I am writing this complaint to help have Bank of the West reverse the late payments as stated in the modification or remove the account from my credit report altogether. I have called and left messages with the loss mitigation department, the last date being XX/XX/XXXX but my calls do not get returned. The loan has since been paid off but the late payments, as stated previously are still negatively impacting my credit. I have done everything possible to get this corrected including filing a complaint with the XXXX XXXX XXXX on 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 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: KS

Complaint narrative:
On XX/XX/2020 I went to the hospital on a XXXX XXXX XXXX they seen me in the XXXX XXXX and looked at my shoulder and referred me to the XXXX XXXX XXXX who took XXXX XXXX and XXXX XXXX and determined i had XXXX XXXX in my left shoulder went to XXXX XXXX for several weeks and then was referred to a XXXX XXXXXXXX who treated me and more therapy was finally released back to work around XXXX to full duty and then in XXXX I received a bill for initial hospital bill told them it was a XXXX XXXX XXXX  and even called the insurance company handling my claim never thought any more about it till i checked my credit report to find this bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a unsolicited credit card from BBVA in the mail for an account I closed about 5-10 years ago. I called them up told them that I did not apply for this credit card. They said the plastic was a replacement card for a closed account and that it was due to an error in their system. The representative then proceeded to ask personal information like my phone number, home address, email address and drivers license number.

If the representative had stated that it was an error in the system and apologized and then ended the call with that, I wouldn't be so suspicious. But by asking me for personal marketable information indicates to me that this whole thing was an illegal marketing ploy to get updated marketing information from me. Why else would he ask for information to update a closed account? He ended the call telling me that BBVA is there to help if I wanted to open a new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.

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 2021-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The months of XXXX, XXXX, and XX/XX/XXXX have been excluded from calculation of my score. Due to this the score erroneously dropped from XXXX to XXXX in XXXX and has remained XXXX each month since. It is now XX/XX/XXXX. My score has remained XXXX in spite of on time payments on all accounts.

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 2021-03-21 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: NV

Complaint narrative:
Please reference Complaint # XXXX -- -- -- I have attached additional errors found on my credit file regarding ( XXXX XXXX XXXX XXXX - Account # XXXX XXXX ) as shown on the attached documents, the available credit is currently reported as $ XXXX when in all actuality it should have been reported as {$0.00} available. Going by this notion, this would indicate that the sum {$400.00} dollars is available ; however, this is incorrect since the charge off balance is currently reported as {$10000.00}. This is an unmistakable error that warrants a full account deletion, not to mention there are missing data for high credit, date of last activity, and the date of last payment which is reported as XX/XX/XXXX but as you can see by my credit report/credit summary that reports no data and referencing the document I've attached which was provided by EQUIFAX online. In addition to having missing data reported, the previous months of reporting are not entered correctly are are out of sequence, whereas, XXXX thru XX/XX/XXXX they are all reported as 60 days late which can not be possible. These and similar reporting errors by Equifax are a consistent issue which I have faced over many decades and still continues to violate the Fair Credit Reporting Act. I ask that the Consumer Financial Protection Bureau intervene having been given broad powers by the the United States Congress and other governing body to oversee the accuracy of information and fair trade pertaining to all American consumers. Having said that, I formally ask that this account be DELETED and removed from Equifax credit reporting database and any other credit repository which they may have or or potentially share data with. Thank you for your help concerning this matter. Regards

Company response to consumer: Closed with explanation