vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from XXXX, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between 700 and 733. XXXX is the score mentioned in the letter from XXXX. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect XXXX of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if XXXX participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from XXXX, I would not have applied due their past spurious business practice.

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 2017-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prospect Recovery Solutions LLC
State: CA

Complaint narrative:
In XX/XX/XXXX there was a loan taken on line using my personal information. When I found out about it was when a collection company called me and I stated that it was due to identity theft they called me a liar so I got in touch with the company where the loan was taken out and explained that it was due to identity theft. I forwarded them the police report and informed the credit bureau and I had to get a freeze on my credit and life lock. 
A week ago this collection company called me and threatened to garnish my wages and it put stress and fear in me. On XX/XX/XXXX they called my brother and told him they were looking for me and if I did n't pay this loan I would go to jail. XX/XX/XXXX I called XXXX XXXX to speak to them about this and I told them that the credit consumer bureau told me to lodge a complaint they said not to do that. And that they had nothing to do with the collection company. This is causing me to become sick from XXXX   at being harassed by this company. XXXX XXXX XXXX XXXX The amount they are stating I owe is over 1600.00 dollars. 
I have all the proof stating this is identity theft from the sheriff in XXXX, California

Company response to consumer: Untimely response
Consumer complaint received 2017-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My savings, money market, and checking accounts were all closed unexpectedly. The reason given was that I did not respond to an email about completing my account setup process. However, on XX/XX/XXXX I did call the bank and mentioned that I had received an email asking me to call in. I was told that everything regarding my account looked good, and that I did not have to do anything else. 

I also established online automated transfers, which later required me to submit my signature through the mail which I did. 

On XX/XX/XXXX my accounts were closed with no email confirmation, phone, or voicemail logs stating that this was going to occur on that day. The reason given after I called in was that I did not respond to the email that was sent. They said that I called the wrong number and spoke with the wrong department, however I called using the normal BMO Harris bank phone number. I was not told I needed to call back to get transferred to another department or anything else of that nature.

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 2017-10-27 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: GA

Complaint narrative:
I open opened this account XX/XX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XX/XX/XXXX for {$30.00} ( {$27.00} scheduled payment ) then on XX/XX/XXXX paid {$38.00} ( which would have paid off the entire debt ). I .. all payments were reported as paid. Until XX/XX/XXXX stating I was 30 days late, which is not true. 
On or about XX/XX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XX/XX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XX/XX/XXXX and payment was not credited until XX/XX/XXXX- though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I open opened this account XXXX/XXXX/XXXX while I was in the store checkout and the cashier stated she could get me approved for a credit card. I told her no several times but she insisted and I felt coerced into giving her my drivers license upon which she said it would not run against my credit. It would only be a soft pull she just wanted my ID to type in the name and my drivers license number. Well upon a pull of my credit report the hard pull was on my account! The instant approval and she put the items on the card, which was {$60.00}. I did n't get a statement that month of course because it was the end of the month and so I did n't receive a statement. I took it upon myself to go into the store and make a payment on my own XXXX/XXXX/XXXX for {$30.00} XXXX {$27.00} scheduled payment ) then on XXXX/XXXX/XXXX paid {$38.00} XXXX which would have paid off the entire debt ). I .. all payments were reported as paid. Until XXXX stating I was 30 days late, which is not true. 
On or about XXXX/XXXX/XXXX I called your customer service number to discuss this matter with no resolution, then again on XXXX/XXXX/XXXX when I spoke with XXXX who assisted me with obtaining the information to follow up to correct this error. I was assured it would be handled but when I disputed the entry on my credit report it said you verified the information to be accurate. If you look at the account you will see the reversal of late charges and my account is now also current and has a credited balance. 
Please make this correction so that it will not continue to adversely affect my family and me. This oversight and error has cost me harm and credit denial. This needs to be rectified immediately. I was told the account was to be paid on XXXX/XXXX/XXXX and payment was not credited until XXXX though I received not payment for the month due to paying more. THAT IS NOT 30 DAYS late.. These erroneous late fees which have been reversed due to this error is what would have been late because I no longer owed money for any merchandise.

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 2017-10-27 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: MO

Complaint narrative:
TransUnion has XXXX XXXX XXXX XXXXn my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want TransUnion to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

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 2017-10-27 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: MO

Complaint narrative:
XXXX has XXXX XXXX XXXX on my Credit Report as owing {$8000.00} and I owe XXXX XXXX XXXX nothing. I returned the Car I financed with them and the Fair Market Value of the XXXX XXXX XXXX was XXXX and XXXX XXXX XXXX sold the car at an auction for {$2500.00} and they want me to pay the balance. 

XXXX XXXX XXXX XXXX has the car in their possession and Therefore I owe them Nothing effective XXXX. 

I want XXXX to Delete XXXX XXXX XXXX from my Credit Report effective immediately. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: CA

Complaint narrative:
Spoke with Legal department and clarified that I had never received a validation of debt, have no clue the reason in XXXX 2017 they invaded my privacy and pulled my credit report without permissible purpose. My wife had made a complaint about them as well. This is fraud and a person should not be able to snoop or pry into a credit report unless given permissible purpose. Please have company state the reason and the debtor they were representing when they invaded into my account and the reason they never sent a validation debt letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called Experian, XXXX and XXXX. I was told by Experian that they verified the account and I can continue to dispute the same issue. Experian also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or Experian which stated to me that they do n't have to verify anything with me what Experian told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with XXXX different amounts on it they said it would be nothing that they can do.

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 2017-10-27 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have factual documentation regarding a dispute I filed with XXXX XXXX XXXX creditor and the bureaus still do not investigate correctly to remove the Charge Off of f my credit report. I have letters from creditors that state account was paid in full closed and total loan amount paid. because they said they already investigated the issue no further action can be done.i need help to resolve this matter my XXXX XXXX has dropped substantially XXXX XXXX to the XXXX 's due to that derogatory info. My father as well is impacted on this issue because he is a co signer.

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 2017-10-27 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: Global Lending Services LLC
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XXXX/XXXX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX XXXX and XXXX. I was told by XXXX  that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked Global Lending Services for a copy of my contract and to no avail did I get anything from Global lending or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: GA

Complaint narrative:
On XX/XX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XX/XX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX, Equifax and XXXX. I was told by XXXX that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Signed up and used XXXX XXXX XXXX credit card and was charged interest and late fees even though I made electronic payments through my bank on the due date indicated on the Billing Statement ( or the last working day prior to the due date if it was a weekend day ). 

I contacted American Express about this and the first time they reversed the interest change and late fee, the XXXX time they refused to reverse the late fee. I was given various reasons about why this happened but nothing I was told ( like I needed to send payment earlier than the due date ( should that be XXXX day or XXXX week or XXXX months prior ; made no since to me since I have always paid my bills on the due date without issue until now ). 

Resolution for me was to cancel the account and pay a final interest charge ( they had a very imaginative description for this charge ). 

This feels like a very predatory business practice that should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I have a XXXX XXXX XXXX store credit card offered by Comenity. I signed up for the card as it offers a 10 % " reward dollar '' for purchases. The way the program is structured, it requires new charges to the credit card or forfeiture of reward dollars anytime the reward is used. This is not disclosed on the credit card application, nor are XXXX XXXX XXXX associates well versed in how the program operates, leading to unfair and deceptive marketing practices. 

The incident that led me to understand how this program is not as advertised occurred on XXXX XXXX, XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

I had previously purchased and paid for more than {$600.00} in merchandise from XXXX XXXX XXXX in the prior billing cycle. This earned me {$60.00} in reward dollars. I purchased approximately {$30.00} in items with these rewards, expecting the remaining {$30.00} would be available for future use. Immediately following the completion of the transaction, the cashier informed me that the remaining {$30.00} balance was forfeited as I did not have a transaction of at least {$60.00} when I redeemed my reward dollars. I asked to void the transaction as I did not want to forfeit the reward dollars, but was told that was impossible. I spoke with the store XXXX, who contacted Cometity on my behalf to see if the remaining {$30.00} in rewards could be reissued, but was denied. In my conversation with the manager and cashier, I was informed that if I had a purchase in excess of {$60.00}, the only way I could use the reward was to charge any remaining balance on the XXXX XXXX XXXX credit card. This locks the consumer into the potential for a small balance and a new billing cycle, increasingly the likelihood that the consumer is late, incurring a late fee or triggering additional interest income for Cometity, should the account have a revolving balance. 

Surprised at the details for the reward program, I picked up a application on the counter. No where in the in storm information, or in the application, did the detail related to the limitations for the reward program exist. 

I am an educated consumer, who reads these disclosures, but I was not able to receive an accurate understanding regarding the rewards program based upon the materials provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
I have asked for proof of debt and have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 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: AL

Complaint narrative:
On XXXX XXXX I submitted a request to Transunion to review the new credit law information for removal of Public Records that was introduced in XXXX XXXX. Instead Transunion launches a investigation into XXXX XXXX XXXX XXXX Tax Liens being reported on my credit report. The results came back from Transunion as being verified but I received No proof of how or with whom the Tax Liens were verified. I contacted my Clerts Office here in XXXX Alabama and was informed their office DOES NOT report any information to credit bureaus ... the new credit law states The credit reporting agencies agreed to remove new or existing tax liens and judgments that dont contain at least XXXX out of the XXXX pieces of identifying information. Neither of The ( XXXX XXXX Tax Liens that are reporting on my Transunion file contain at least XXXX identifying pieces of my information..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all. 
Now Caliber is pursuing me in the courts

Company response to consumer: Closed with explanation