vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-03 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: NJ

Complaint narrative:
I have placed several disputes for two accounts under my Equifax credit report that do not belong to me and I'm 100 % sure it's a fraudulent account. Equifax is hesitating in removing these accounts from my report and do not send me verified documents that show these accounts are verified as accurate and belong to me. 

Confirmation # XXXX XXXX XXXX XXXX XXXX - Assigned XX/XX/XXXX Original Creditor- XXXX XXXX XXXX Amount- {$2400.00} Balance as of XX/XX/XXXX Amount- {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX- Assigned XX/XX/XXXX Original creditor- XXXX  XXXX XXXX XXXX XXXX Amount {$160.00} Balance as of XX/XX/XXXX {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Service Company, INC
State: MD

Complaint narrative:
I was hospitalized XX/XX/XXXX at XXXX XXXX XXXX XXXX. At that time, I showed my insurance card to administration. On XX/XX/XXXX, when I checked my credit record, it showed my late payment went to collection agency. However, that amount of {$2900.00} is supposed to go to insurance company, not to me. I called to the hospital asked what happened. 
They explained me that my insurance company denied to pay that amount. It is strange enough because I already checked with Insurance company about this problem. 
I double checked with hospital all the information, then we found the hospital sent my bill to the different company. So I thought problem is over, but actually it continues. 

The collection agency doesn't report to the credit reporting company such as XXXX  about problem solved and they need to lift off their claim more than months until XX/XX/XXXX. So I complained them to repair my credit information. They did, but they repaired only 2 companies not for XXXX. I called to XXXX to dispute the claim XX/XX/XXXX, but they denied to dispute because Hospital or Physician are not to lift off the billing yet. I checked the hospital but they were okay, then They explained me that the amount is sent by Physician butThe company name XXXX XXXX XXXX which the physician belonged is not able to contact because all the information is incorrect. Even Hospital doesn't have information. The collection agency named XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, CO XXXX ( XXXX ) XXXX. Account # XXXX They never work for me to repair. They ALWAYS say We will repair your problem!, but never ever do. 

Since problem started since XX/XX/XXXX, It is already 2 years. I have no idea what I need to do. Please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I applied for American Express Every Day Credit Card on XX/XX/XXXX and was approved for XXXX Membership Rewards Points after spending {$2000.00} within 3 months as welcome bonus. Now after 3 months I didn't receive my welcome offer even though I've met the spending requirement. I tried to talk to American Express and they said my welcome bonus was declined with no reason. During the application process, there was no pop out window reminding me I would not eligible for this welcome bonus offer. I hereby request American Express to investigate my case and grant me the welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of america was adjusting my account for lowering the payments and did not post my sent payments to the loan to show the government that we are behind, but we paid all on time direct deposit from my account every month. So this account is paid is full and shows late payments from XX/XX/XXXX to XX/XX/XXXX. We have XXXX kids and this is hurting us whenever we go for a car loan or refinance a mortgage. Please kind help us and our family will be thankful to you

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 2019-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I applied for the XXXX XXXX XXXX XXXX Business Card on XX/XX/XXXX and was approved. There was a bonus offer of " A {$100.00} STATEMENT CREDIT after your first purchase on the XXXX XXXX XXXX XXXX Business Card within your first 3 months. Plus, earn XXXX XXXX XXXX  Bonus Points after you use your new Card to make {$3000.00} in eligible purchases within the first 3 months of Card Membership. '' I made my first eligible purchases with the card on XX/XX/XXXX, and completed {$3000.00} in eligible purchases on XX/XX/XXXX. 

On XX/XX/XXXX, I confirmed that these offers were in effect via the " American Express Chat '' online. However, I followed up on the status of the offer ( since I had not yet received either the {$100.00} statement credit or the XXXX bonus points ) on XX/XX/XXXX, and I was informed via the " American Express Chat '' online that the welcome bonus offer was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 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: NJ

Complaint narrative:
i never opened or applied for any of these accunts ever. its destroying my whole entire life XXXX XXXX   Reported : XXXX XXXX, XXXX {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$240.00} Needs AttentionXXXX Reported : XXXX XXXX, XXXX {$1500.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX {$0.00} XXXX XXXX & XXXX XXXX : XX/XX/XXXX {$0.00} Closed

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 2019-02-03 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had a fraudulent account on all 3 of my credit reports. I filed a dispute and both XXXX & XXXX  removed the derogatory account from my credit file. XXXX did nothing at first. I have submitted at least 5 to 7 XXXX online disputes and one through a phone call and they still refuse to remove the fraudulent account. I made contact with the company that is listed as the account that I supposedly owe and they checked and have NO history of me EVER having an account with them. I again submitted a dispute with XXXX with this information and after a " re-investigation '' the dispute was closed with the fraudulent account still on my credit report. 
XXXX refuses to remove this account and I can not get a loan to purchase a home because of this. The account that is listed as a delinquent account is GE Capital Retail Bank, the same bank the your agency has sued and held liable for {$34.00} XXXX for these same accounts that has been on my account since 2013. XXXX is not doing their due diligence in an appropriate investigation because if they did, they would get the same information that I did from Synchrony Bank ( formerly named GE Capital Retail Bank ) and that is ; that I never had an account with their bank.

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 2019-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Risecredit, LLC
State: SC

Complaint narrative:
Letter sent to Rise Credit on XX/XX/XXXX, which is the 2nd attempt to fix this problem : Attn : Customer Support XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Re : Loan # XXXX ; amount {$1900.00} Facts of Concern : 1. This is not a case of theft or fraud, because there is no evidence in my credit file or problems with any creditors that would indicate that either my identify or credentials have been compromised or breached. 
2. I never applied for a loan in the amount shown above ( {$1900.00} ) at any time. 
3. I will provide Rise Credit with any documentation upon request that is needed to expedite resolution of this matter. 
4. I have been paying on Loan # XXXX ( unknowingly ) which was [ erroneously ] assigned to me by Rise Credit since XX/XX/XXXX. 
5. Rise Credit knows that Money Movement between accounts of interest [ points of exit and entry ] is easy to track and trace. 
6. The funds were never deposited into any of my bank accounts. 
7. Rise Credit can not provide me with a 'Consumer Loan Agreement ' for funds that I requested and verified by any form of signature in XX/XX/XXXX.. 
8. Rise Credit owes me a full refund of all principal and interest payments that I made on [ Loan # XXXX ; amount {$1900.00} ] immediately. 
9. Rise Credit should remove any and all negative statements ( i.e. Lates, Write-off ... etc ) that they have sent to any of the 3 Credit Bureaus Associated with Loan # XXXX immediately. 
10. Upper Level Management ( High Pay Grade ) needs to conduct an investigation of this complaint to determine the cause of this significant Accounting Error ( i.e.Ethical/Moral misconduct of a Rise Credit Employee/Employees versus an unintentional Data Entry Error by any Rise Credit Employee/Employees ). 

Please be advised that I am forwarding a copy of this correspondence to both my attorneys and to the Consumer Financial Protection Bureau today. 

Your expeditious attention to resolving this credit dispute shall be greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
While talking with Experian on the phone on XXXX XX/XX/XXXX to get the freeze on my credit lifted. They asked me several questions to verify who I am and I provided all of the correct information ( monthly payments for my mortgage, current balance on my credit card, etc. ). They said the information was incorrect and I had to mail or fax my SSN card. 

However, I found out there was a link online with them to lift the freeze and the questions there were more specific. Examples are : Did you have an auto loan in XX/XX/XXXX? If so, which company was it with? 
Do you apply for a mortgage in XX/XX/XXXX? if so, was it with one of these companies? 

They are asking different questions on the phone which are impossible to answer. I asked the reps I spoke to what timeframe they were asking about for the auto loan and they said " at any point in time ''. But that wasn't the case apparently. 

They are making it impossible to lift freezes on your credit and they are conducting illegal activities by holding my personal information hostage. I must also point out, they were never authorized to hold my personal information to begin with. Experian must be dismantled and shut down in the name of customer protection.

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 2019-02-03 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX I noticed that there were several unauthorized charges to my card and I notified Regions Bank and XXXX. I was told to allow the pending charges to clear and I could dispute them along with the other charges that totaled {$930.00}. I received specific instructions from Region how to handle a situation of this nature in XXXX and the next month when I became victim I followed all the procedures I contacted the bank the same day I noticed. All the transactions occurred between the XXXX and XXXX of XXXX I cancelled my card contacted XXXX and informed them of unauthorized charges which had happened for the third time with their company. I was told by Regions I would receive paperwork as to why my dispute was denied over 5 times and as of today XX/XX/XXXX I have yet to receive any evidence that an investigation was ever attempted. XXXX admitted my account may have jeopardized yet refused to refund my money. This whole situation was even publicized on the Alabama news stations and other banks vowed to refund customers their money. Regions has been dishonest and unprofessional and violated their own written polices and procedures.

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 2019-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i got acletter from chase XXXX XXXX XXXX XXXX, ohio XXXX my email addy XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- absolutly zero help regarding two unauthorized no signature from me authorizing yhese two transfers ...

and both transfers sent to company named XXXX but both wire transfers using two diff banks um shady!

the one on XX/XX/XXXX for XXXX XXXX dollars. the second XX/XX/XXXX for XXXX XXXX dollars ... 

now when you buy with a credit card a signature is necessary to validate your purschase. debit card pin #. whherees the signature authorizing and for future why not require notorizer signatures. anyone can sign. 
you guys know my email address and whats XXXX dollars matter but if i robbed a bank suddenly swat seams abd chase does mot give a XXXX ... so i want my XXXX back the chase reference number for reporting this fraud/theft XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I contacted Equifax on XXXX to remove my fraud alert. I then received a letter from Equifax saying my request was forwarded to XXXX and XXXX. Surprisingly, both XXXX and XXXX created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Assured Financial Partners
State: TX

Complaint narrative:
Got a call on XX/XX/XXXX from a third party asking me to contact XXXX XXXX out of CA and ro provide a case #. I am told by XXXX XXXX that I have an lawsuit that is in prelit in regards to an a debt with XXXX XXXX from XXXX. That they have been sending me letters about this.I was told I could settle the claim at that time and if i did not pay that then they would take me to court and I will owe more then {$5000.00} including attorney 's fees and expenses. I have never received any letters from XXXX XXXX or XXXX XXXX about any money owed. I asked the company to provide me with statements or an account number to prove that I owed this money. The rep told me that they did not have to. That and document 's that they had would be provided to me in court. If i did not pay something like {$1200.00} at that time, they could sue me. I would not be able to negotiate and could garnish my income and or tax return. I kept asking for proof. She then asked me for my email address and that she would send me a letter about it. I gave it to her only wanting further information, thinking this was just a scam. Never did i agree to any of the claims. I called XXXX XXXX Recovery Dept and they do not have any accounts in my name. Current or past. The rep at XXXX XXXX told me to insist on the company provide me with proof of this debt. Even an account number and give it to XXXX XXXX to research. I do not owe this money. Nothing has ever showed on my credit report of any money owed to XXXX XXXX  or any other company. I have made major purchases and this would have showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I own and operate a small business. I had recently opened a PayPal account for added convenience for my customers. I have received incoming customer payments and sent funds from my PayPal account. I have been very diligent with my PayPal transactions and usage. I had recently processed credit card transactions manually inputting the card details. PayPal had placed a portion of these funds on hold. I contacted PayPal to ask the reasons why. I was informed the PayPal policy is any amounts to processed over {$500.00} in a one week period would be placed on hold. PayPal informed me they would release the funds as a courtesy because this was new and informative to me as a customer. I had called a few days later to follow up because they had not yet released my funds from the hold. The representative was rude and disconnected my call. Within one hour, I received a email from PayPal stating my account has been closed. 
I did not violate any law or terms of use in the PayPal terms and conditions. I have no chargebacks or bad transactions. I was not given any opportunity to explain my usage and given to opportunity to appeal this unjustified PayPal internal decision. PayPal representative I just spoke to, informed me PayPal is keeping my funds for 180 as standard PayPal punishment policy. I am aware of my state regulations and will contact my state regulators office because this is not fair business and treatment by PayPal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE 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 2019-02-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX  REFUSES TO DELETE UNVERIFIED HARD CREDIT INQUIRIES OFF MY CREDIT FILE 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 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NC

Complaint narrative:
On XX/XX/XXXX I rented a car with XXXX in XXXX FL airport. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ) Rental agreement XXXX Confirmation No. XXXX. 
It was a XXXX XXXX  XXXX XXXX. Paid with VISA. XXXX XXXX No. XXXX with 24335 miles. At that time I only received the contract ( included ) but nobody walk with us around the car to check for damages and I did not see any, nor I received a template with the car and damages if there were any. I returned the car on the XX/XX/XXXX at XXXX XXXX  at the same location. An employee greeted me, walked around the car like checking it and asked if I wanted a driver to take me to the airline departure door. I was pleased because my son was just released from the hospital and he wasnt feeling well. I sat in the passenger seat and the employee-driver transported us to the XXXX  terminal in the same car. He opened the trunk and proceeded to unload our luggage. Gave him a tip and he left. One month later I received a call from XXXX  XXXX XXXX   : XXXX informing that I was responsible to pay XXXX $ for damages caused to the vehicle I rented with XXXX   while in my possession a d that I should send the check to XXXX   XXXX XXXX. I was surprised because I did not even see the damage nor I was contacted by XXXX  to informed me of this problem. I said I was not going to pay unless they sent me a prove that the car was in my possession when the damage happen and no after the employee returned the car to their office. This driver could have seen the damage when he opened the trunk to retrieve my luggage. He never said there was any damage in the car. Included is the claim from XXXX  XXXX, XXXX XXXX, Claims Recovery Assistant. I never received a claim from XXXX. They sent me the bill and a picture of the damage. 
I will appreciate very much if you can guide me in what to do with this claim since I think is not how the rental companies should operate. Who can assure me that it was their employee returning the car to their office who damaged the car. 
Sincerely

Company response to consumer: Closed with explanation