vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received an offer from Sam 's club pre-approved open a master card account and receive {$55.00} off your first purchase of {$55.00} or more on this order. My order was {$60.00} my account was approved. It had to be completed on line and I did that. 
I met all of the qualifications> I applied - approved i ordered - on line after approval II spent- on line {$55.00} Where is my {$55.00} credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: MO

Complaint narrative:
I am currently a victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09 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: TX

Complaint narrative:
I recently reported Identity theft and had someone else using my SSN to take out no credit loans. My SSN was used of someone to get a tax refund as well. I had 69 hard inquiries on my XXXX  as and about the same amount on XXXX and transunion as well. Ive reached out to all the credit Bureaus to get my credit report fixed. XXXX  and XXXX  removed everything that was incorrect within 30 days and without a problem. Transunion on the other hand I've paid countless times for there services and everytime I never can lot in again. In the last 60 days I disputed multiple incorrect items on my credit report and nothing changes. I just paying for another services last week and again still can see my credit report. Ive call and spoke with them and this last time they offer a free month for there services and it only lasted a week. My credit score has gone up about 80 points because of the other credit bureaus and it would be almost perfect if transunion would do what i paid for. They have or had not sure yet because i cant login a activated credit card account I have listed as closed. XXXX XXXX and XXXX XXXX XXXX had items collects and both companies have been removed from the other credit bureaus. I want my money back and for them to actually dispute incorrect information on 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 2019-12-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Upon review of my Credit Report I noticed company name : Portfolio Recovery has reported 3 collection accounts under my name. I do not have any binding agreement with Portfolio Recovery and was not aware or notified of this item being reported under a collection status. These said accounts are currently reporting in an open status with remarks stating Collection Account Chapter XXXX Bankruptcy dismissed. Please explain why this company is reporting these accounts as collection. Please attach copies and have company provide the following : Complete payment history, the requirement of which has been established Agreement that bears the signature of the alleged debtor Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) In addition, if this debt has been paid please remove this item as this is not a collection account and has been reporting under my name to XXXX, XXXX  and XXXX. There are several errors in reporting from Portfolio Recovery to my credit reports. This company also failed to validate this debt. Because Portfolio Recovery failed to verify this said debt and have not sent notice of said debt, the next course of action that I will accept is the removal of all 3 accounts report under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a Capital One auto loan and moved from XXXX to XXXX. Upon going to register my car ( which had a lien on ) I was informed that I would need to have the lienholder ( capital one ) send a copy of the title for registration. I was informed this process could take up to 2 weeks. After a couple months of waiting and capital one ( admittedly ) messing up on their end, I decided Id pay my car off. Then they would have to send me my title? Right? Wrong. I waited almost three months to get my car registered ... ..in XXXX. I couldnt wait any longer for a car that I couldnt drive because it wasnt registered. I was also upgraded to the presidents office or something like that so I knew my claim was actually being taken seriously. The last person I talked to was going to talk to someone to see if I could get those last couple payments back. Never heard from them again and that was over a month ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
To whom it may concern- I had an issue with the payoff of a Citizens One Bank XXXX term loan. My account was setup with monthly auto-payment and my last payment was due on XX/XX/2019. Citizens was unable to debit my account on the due date. I received an email on XX/XX/2019 stating that they were unable to process the payment. That same day I called to process a one time payment of {$50.00}. The next day I looked at my credit card statement and I had duplicate payments taken. I had completely paid off the loan and their system still debited my account after I made the one time payment. I have called Citizens Customer Service multiple times and I kindly asked for them to reverse the duplicate payment and it has been months with no refund. I am formally asking for my refund plus interest. It is important to note that the customer service representative said that this is an issue that impacts multiple borrowers and there is nothing they can do. In her words " I just have to wait ''. This has caused consumer harm. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
To whom it may concern, I am very concerned about whats going on with my property, RUSHMORE LOAN MANAGEMENT SERVICES approved a short sale on my property almost 4 weeks ago. RUSHMORE LOAN MANAGEMENT SERVICES agreed to sell the property at the current market value, Buyer paid for their own appraisal and now RUSHMORE LOAN MANAGEMENT SERVICES refuses to issue the short sale approval based on the licensed appraisal report.

RUSHMORE LOAN MANAGEMENT SERVICES told me that even though the value of the house is {$590000.00}.

RUSHMORE LOAN MANAGEMENT SERVICES and their investor want {$620000.00} as penalty to my family and I for my background and for applying for a short sale. 

This response came to my family and I as surprise since we never knew RUSHMORE LOAN MANAGEMENT SERVICES can penalize me because of my background and the history of my property. 

Now were in big trouble because Buyer spent money on the property and I don't have any money to pay the penalties that RUSHMORE LOAN MANAGEMENT SERVICES claims to  have. 


Please help me since I really don't want to have any issues with the buyer. all im doing is the right thing to short sale my home to avoid foreclosure and its not fair that RUSHMORE LOAN MANAGEMENT SERVICES is trying to take  advantage of the situation at the last minute. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: Nelnet, Inc.
State: NC

Complaint narrative:
Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am XXXX percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notice from the debt collection company Tate & Kirkland Associates that I could pay {$25.00} by XX/XX/XXXX to satisfy my total of {$75.00} saving me a percentage. It gave me three ways to pay. I chose to pay via online and received a receipt on XX/XX/XXXX. My entire debt should be considered closed and paid as per their agreement. 

Today, on XX/XX/2019, I received a letter from them stating I entered a payment plan ( I did not do so, as you will see in the letter they sent ) and they are claiming I owe the rest of the amount despite telling me the {$25.00} would satisfy the debt if I paid. I am reaching out and attaching all documentation. They are breaching their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: NC

Complaint narrative:
Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from XXXX. In XX/XX/2015, I noticed on my credit report that XXXX reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments  were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with Transunion in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am 100 percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: CA

Complaint narrative:
On XX/XX/19 I paid my current credit monitoring account the fee of {$29.00} to review my credit reports with XXXX, Experian and XXXX XXXX. I discovered there were  multiple unauthorized hard inquiries on my credit and I contacted each creditor via phone which took 4 hours of my time from work and nothing happened. I filed a dispute to each credit bureau on XX/XX/19 and sent each letter via certified mail with tracking numbers to monitor this process. On XX/XX/19 I refreshed my credit reports and further discovered that there are no changes nor any updates on the methods used by each credit bureau. Furthermore, there is an invalid late payment on one of my accounts that has always had perfect payment history and I submitted documentation to the credit bureaus as well to expedite this request since I am making sure my credit is in good order to purchase property. This is a blunt violation of my rights as a consumer and is costing me tremendous stress and hardship on my health because of this violation. I am reaching out to the consumer finance protection bureau for help since it has been more than 30 days since each credit bureau received my dispute packages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I leased an apartment from a company called XXXX XXXX XXXX XXXX XXXX XXXX and vacated in XX/XX/2017. I had email correspondence with the manager whereby I asked them to draw any remaining money owed from my security deposit. That manager confirmed, I returned the keys and then never heard from the company for about 1 year. Then I got a call from National Credit Systems saying I owed all this money. They never provided any proof as to why I owed any money. They just berated me for weeks upon weeks saying I needed to pay. When I showed them the email correspondence with the manager and asked for any proof that I owed money, they provided nothing. Email correspondence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: FL

Complaint narrative:
Some info is displayed more than once, same accounts appear after resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC
State: FL

Complaint narrative:
I got XXXX. on this matter in XX/XX/2019. To settle the debt. We settled for half what was owed. I was to get a letter from them about the agreement. I never get one have payed them as agreed. This has been going on since XX/XX/2019. Last month no one answered the phone. Payed online and it said approved but they say it doesn't work. They will not give what I owe. What to pay off. One Lady told me XX/XX/2019 that I owed XXXX but the bill was XXXX and settled for XXXX. I don't think it, s right to be paying on something with out proof. I know it will go into the credit bureau as payed less. I need help with them giving my proof. My ref. # XXXX with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My complaint is for XXXX  and XXXX  for removing the closed account Ally Financial account # XXXX and adding it back on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In XXXX of this year, I notified EQUIFAX, through Supervisor XXXX XXXX that the EQUIFAX CREDIT REPORT I RECEIVED HAD TWO, YES, TWO SOCIAL SECURITY NUMBERS!!!!! NO ONE HAS 2 SS # s ... He NEVER CORRECTED BECAUSE XXXX XXXX XXXX INITIALLY D E N I E D ME CREDIT BC I HAD 2 SOCIAL SECURITY NUMBERS ... ALSO A FRAUDULENT ADDRESS HAS S T I L L NOT BEEN TAKEN OFF ... MY ADDRESS WAS NEVER XXXX STILL XXXX XXXX, EQUIFAX SUPERVISOR, NEVER CORRECTS, NEVER RETURNS MY CALLS.

Company response to consumer: Closed with non-monetary relief