vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit 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: OR

Complaint narrative:
I am writing to file a formal complaint against American Express regarding the Delta Gold Card promotion that I participated in. I believe there has been a failure on the part of American Express to fulfill the promised promotional offer. 

On XXXX, I applied for the American Express Delta Gold Card with the understanding that, upon spending {$2000.00} within the first 6 months, I would be entitled to receive XXXX bonus miles and {$300.00} cash back if I made a XXXX purchase in the first 6 months. I am writing to express my dissatisfaction and frustration as, despite meeting the spending requirement promptly, I have not received the promised bonus miles and cash back. 

I made purchases, particularly airline tickets through delta, an I have well exceeding the required {$2000.00} within the specified timeframe. Despite my efforts to resolve this matter by contacting American Express customer service on multiple occasions, the issue remains unresolved. I have spoken to numerous agents, and each time I am assured that the bonus miles and cash back will appear on my next statement. Unfortunately, this has not been the case, causing significant inconvenience and frustration. 

In my most recent conversation with an American Express agent, I was offered an additional XXXX bonus miles as a gesture of goodwill while I wait for the original offer to be fulfilled. While I appreciate this gesture, it does not address the core issue, and the delay in receiving the promised miles and cash back has adversely affected my travel plans, specifically my XXXX trip with my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting 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:
I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX I live in XXXX. I was shopping at ULTA Beauty Store back in XX/XX/2023 when a sales associate asked me if I wanted to open a credit card and I mistakenly said yes and I should have read reviews first. I made a HUGE mistake signing up knowing that I'll never get the card and I never received it despite having the account number. My Account Number is XXXX They kept charging me and they DID close my account. I was checking my credit score yesterday and somehow it was showing {$130.00} for COMENITY/ULTA on my credit score which is a scam, I did NOT buy anything for {$130.00}, my account is closed. please dispute and remove this fraudulent charge from my bank account. 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, Sallie Mae ACCT # XXXX Sallie Mae ACCT # XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX is reporting an inquiry from Milestone that is due to be removed at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In XXXX of 2023 there was XXXX medical bills supposedly owed to XXXXXXXX XXXX XXXX and professional collector corporation was collecting for them that was on my XXXX report. The bills couldnt be validated so they were taken off my credit report. So Equifax took one of the bills that was dated XXXX this one was already disputed and removed since it couldnt and wasnt validated. Theres another bill XXXX for XXXX again this bill was fake as well since I havent been to any part of XXXXXXXX XXXX XXXX for at least 5 months. The last time I went to XXXX was when I had a cold back in I believe it was XXXX of this year. Equifax decided to take these bills without varifying each of these bills. Then Equifax dropped the XXXX bill for XXXX. Equifax still left the other bill on my credit report for XXXX. This bill is false. There needs to be action taken since they must have gotten some type of kickback to take the chance of getting a fine by the ftc. I will make a complaint every single time they say XXXX  has done nothing wrong and keeping a fake bill that is not verified on my credit report. So until someone does something I will just keep making complaints against XXXX, XXXX  and the credit bureau if I have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I, XXXX XXXX, the consumer and natural person, were denied credit with a XXXX score and no counter offer by Credit Acceptance Corporation when I applied for a new XXXX XXXX for approximately {$50000.00}. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Credit Acceptance Corporation due to the response I received. I have attached it to this letter.

Credit Acceptance Corporation is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Credit Acceptance Corporation. Since you are the borrower and borrowed my application, I'm in demand for the borrower to retract/return my application ( security ). 

If Credit Acceptance Corporation fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Credit Acceptance Corporation criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations ( { {$10000.00} } per violation ).

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 2023-11-12 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I do not recognize these inquiries on my credit reports and the CRAs will not remove. I'm providing an Identity Theft report, as I have found out I have been a victim of identity theft. I'm requesting they be removed from my report as they are inaccurate and not mine. 

XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
New Rez Mortgage system fails to deduct payments from bank account. We specifically schedule payments to track them. Upon emailing them, they deducted the payment late. 

Again we decided to track and took pictures of the payment pages when scheduled. Still not payment has been taken out. When we try to login to their website, their website is down and certificate is expired. Trying to call no one answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In the past, my purchases with Home Depot were deferred promotional Interest. On XX/XX/XXXX, I was charged with interest in the amount of {$140.00} for a purchase in the amount of {$420.00} which was made on XX/XX/XXXX, last year. This purchase was paid in full over XXXX year ago on XX/XX/XXXX, the next month with my payment of {$580.00}. I have attached a letter and evidence.

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 2023-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I orginally had XXXX XXXXXXXX XXXX as my loan servicer. I did a loan modification in XX/XX/XXXX because of the pandemic. XXXX sold the loan Flagstar. Flagstar began servicing my loan in XX/XX/XXXX. Flagstar has reported to credit bureaus the loan modification as being XX/XX/XXXX. 
Also the Forbeasrence and loan mod during the pandemic was not to be reported to the credit bureaus which is why XXXX never reported it. 
I have contacted Flagstar and was told by their rep to dispute it with the credit bureaus which i did but but to no avail.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I just paid my XXXX XXXX bill at the beginning of XXXX, on time. Today I needed a part for my hot water tank and when I tried to pay my card was declined even though I knew i had available credit at least as if a few days ago. I called the toll free customer service number where I was immediately met with a message that my account was closed and after battling with their automated system I spoke to a live agent who reiterated the account was closed and that a letter was sent. I checked my email and sure enough XXXX XXXX ago I got an email saying I had a " digital letter '' from Synchrony and had a link to view it. The PDF-based letter outlined their justifications for closing my account, none of which had anything to do with my payment history on the account itself. They use their own proprietary credit scoring model on top of all that which is not accessible like XXXX and other scores.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have attempted to contact the companies to inform them that I did not authorize these inquiries, but they did not provide assistance. 

I did not authorize these companies to run my credit, this is fraudulent.

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 2023-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
AMSHER had been calling me demanding i pay a collection that doesn't belong to me. The name listed on the account is similar to mine, but it's not me. I asked them to show me a contract that signed by me with my name, obviously they can't produce it because I never had a XXXX account opened. 
They placed a collection account to XXXX and the other XXXX even though that is NOT my account. They have been calling me way too often, about 10 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but XXXXXXXX XXXX  site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

Transunion Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have attempted to dispute a debt on my report regarding a student loan that was rehabilitated, but Equifax 's site does not allow me to file a dispute due to technical issues. I am also unable to contact anyone over the phone despite my best efforts. XXXX XXXX. I have a letter from the department of education stating that my debt is to be removed from my report. 

XXXX Also closed a dispute without taking action as instructed by the department of education. I need these reports updated on my account to reflect the work I have put into rehabilitating my debts XXXX also has not allowed me to submit a dispute through their portal online. I would like to dispute the same loan through them.

Company response to consumer: Closed with non-monetary relief