vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This issue began with a charge in the amount of XXXX for basketball tickets in XXXX. 
Due to Covid the event was canceled. 

The company finally agreed to refund the charges and to date I have not been provided a credit from American Express. 
I have reached out to American Express directly by phone on several occasions and provided a reference number I received from XXXX XXXX. I have also submitted a request to the XXXX XXXX XXXX for help and no resolution. 

I requested a manger to contact me to review transaction history and I in return I get someone who is contacting me from an overseas number in which my phone will not accept. I explained this to one of the representatives. 

I asked for a breakdown of the balance detail to confirm the credit was received based on my review of activity and I continue to receive a statement which reflects the same information online. 

Based on my review I still have not been granted the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax has made an error on my birth date for some reason. As a result, impartial information appears on Equifax, with mortgage information missing, many, many accounts are missing, which put my credit rating lower at XXXX when it actually is above 800. 

I have called Equifax several times since XXXX. XXXX. Most recently in early XXXX. Each call was more than an hour. Each time the representative assured me it was fixed. It was not. 

I opened an online complaint with Equifax and sent my driver 's license, social security card and whatever they requested. They closed the dispute and said it was resolved. It was not. 

They all agreed Equifax had somehow changed my birth date from XXXX to XXXX and they needed to correct that and merge my files. It is still not done. 

XXXX I sent a detailed letter to Equifax Information Services, XXXX. XXXX XXXX, XXXX, Ga. XXXX. I wrote exactly what the representative told me to and again sent my driver 's license and Social Security card. No response. 

My final call was last week and after working with the representative for over an hour, he said the files were merged and it was fixed. It is not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: NY

Complaint narrative:
I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.

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 2020-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The credit company has called me several times over and over for the past couple years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX  XXXX  promised a bonus XXXX  signup bonus for transferring certain amount of assets to their brokerage XXXX  account for a certain period of time. This is the link to the offer which is live as of XX/XX/2020 : XXXX XXXX XXXXXXXX. 

I transferred sufficient assets and held it in the account for >6 months to qualify for the bonus. They did not honor the bonus. When I called in, there was a lot of back and forth and they made up some reason to not give it to me ( " you had to be sent the offer directly via email '' ). They offered to give it me if I held my assets for 12 months instead of 6. I told them no. Very dishonest bank and quite frankly why socialism is so appealing.

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 2020-10-20 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}

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 2020-10-20 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Amount : {$610.00} XXXX XXXX XXXX Past Due Amount : {$210.00} Dispute XXXX XXXX XXXX Past Due Amount : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: California Business Bureau, Inc.
State: OR

Complaint narrative:
I received a call from XXXX at California Business Bureau from a blocked number, she left a voicemail regarding a debt. I listened to it in my break room and many people are now aware of my debt. I was previously contacted by this company months ago. They did not disclosed they were a debt collector until i asked. I informed them I did not have any knowledge of this and had not got a first notice in the mail. She then said she would send one, still have not received anything in the mail. On todays phone call she verified my address she has on file in Oregon is correct. I asked for another copy of everything, she was RUDE and said " Ma'am i already sent it what's the difference '' I am trying to resolve this matter and she made it very difficult and talked over me many times. I feel degraded and harassed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT  ED Account # : XXXX Account Name : US DEPT ED Account # : 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 2020-10-20 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: AL

Complaint narrative:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX Account Name : US DEPT ED Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: VA

Complaint narrative:
On XX/XX/XXXX Lexis Nexis VALIDATED to XXXX  that a bankruptcy that appears on my credit report is accurate. I have asked Lexis Nexis to validate the bankruptcy they are reporting is actually mine, which they have failed to do so. Furthermore, my account with Lexis Nexis has been frozen and suppressed for over a year ( since at least XX/XX/XXXX I have proof ) My concern is that even though I have my information " frozen and suppressed '' Lexis Nexis is still fraudulently providing that information to other agencies or entities if they request it. 

My next issue is that Lexis Nexis has failed to provide me with the validity of the bankruptcy which is information I requested from them. They state the information is public information which is correct and true, however, without validating through the courts ( not PACER or an XXXX # ) how can it be confirmed that the bankruptcy is accurate?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: OR

Complaint narrative:
On internet advertising by XXXX XXXX terms of purchasing indicated 0 % interest for 48 months. XXXX  was {$1800.00}, terms {$39.00} a month for 48 months. Terms are rounded up to the even dollar. After reaching agreement to purchase said XXXX  on condition I get the no interest plan, I was referred to Synchrony bank to make application for the credit card necessary to obtain the above-stated terms. I was denied the card. I had been previously approved by them for a card in the purchase of a {$3900.00} guitar on similar terms. I cancelled that card because the guitar was backordered and Symphony would not guarantee the 48 month no interest terms at a later date. In my shopping, I see that Synchrony and most other national musical instrument retailers are advertising similar terms. 
Three days ago, I obtained my own credit report, which indicated more than 20 years of credit card purchases and mortgages. There are absolutely no defaults in payments in my history. I have always paid by credit card monthly balance in full, never using the bank 's high interest rates.

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 2020-10-20 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: MI

Complaint narrative:
I have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.

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 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.

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 2020-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
I have been repeatedly denied for a mortgage loan due to the wrong information being reported on my credit report. I have student loans and am currently in the Public Service Forgiveness Loan repayment program. According to government guidelines, a creditor ( mortgage company ) may use the payment that is reported on the credit report as the monthly debt. However, they are reporting my monthly payment as " XXXX  '' ( {$0.00} ) despite the fact that I make monthly payments. As a result, I have been denied a mortgage loan for the past two years. I have attempted to resolve this with the Federal Student Loan Servicing Agency and was told that the only thing they report to the credit bureaus is the balance and if it is paid on time. This is absurd. I have an auto loan and it clearly states what my balance is, what my monthly payment is, how long I have had the account, etc ... They are unwilling to change their practice of not reporting the actual monthly payment and as such, many of us are being denied mortgage loans. I have been attempting to resolve this issue over the past two years and it is wrong for them not to report a monthly payment amount. It makes no sense that I am paying on a loan that shows a XXXX  monthly payment amount. Does this mean that I don't owe anything every month? Of course not. Why? If I didn't pay because it says a XXXX   monthly payment, they would garnish my check and report it to the credit bureaus and my student loans would be in default. This practice of reporting a XXXX  monthly payment amount is hurting a lot of us who have student loans. We are being turned down for mortgage loans left and right despite having good credit and income. I need help as I have been waged in an uphill battle with this and can not get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I have been working on getting a loan from QuickenLoans since end of XXXX. On XX/XX/XXXX, I signed an application ( loan # XXXX ) to lock in a rate and buy a new build condominium. 

I have a closing date of XX/XX/XXXX at XXXX and after checking and loading documents to their website every other day, I get an email on XX/XX/XXXX saying : " we are unable to lend on new construction condos at this time ''. 

It is important to emphasize that I have received a document signed by both parties on the rate and cost of the loan which has been disclosed. 
There has been no changes to the down payment required My employment, FICO score and income has not changed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
In XX/XX/XXXXmy XXXX account was discharged and I paid taxes on it. I thought it was closed, but it keeps showing up on my account so Im trying to get this account closed and pay anything I need to close it and get it removed from my credit score because Im trying to buy a house and its affecting my credit. I called XXXX this is the number that is on the credit report, but they could not find any record of this account after consulting with several of their departments. Then I called synchrony banks recovery service, which is who sent me the 1099c form to pay the taxes for the discharge, to see if they could settle with me and I could get it paid off, but they also show no record for this account. The identifiable event date on the 1099c is XX/XX/2018 for the amount of {$1800.00} and the loan # is 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 2020-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ

Complaint narrative:
XXXX XXXX refused to speak to me during the mortgage closing process.

I called the main Annie Mac customer service number to complain  against XXXX XXXX, and I said I needed to speak to the owner. I was given to XXXX. 

When I called back to customer service, I told the female I needed the owner to complain, and I was told that was not an option.

I was then hung up on. The loan officer called me, and told me I could not speak with the owner, and he would relay the message. I told him this seemed weird and unprofessional. He said he would loop me in on a call. I told him that was unacceptable.

I still have not heard from the owner. 

new address is XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX, Processor, AnnieMac Home Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Email XXXX XXXX XXXX Ext. XXXX Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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