vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: TN

Complaint narrative:
I was unaware that I owed a balance to XXXX XXXX XXXX. I was promised pay for delete for this account from XXXX XXXX and the supervisor XXXX. I paid {$10000.00}. They refused to email a receipt or letter of our approval. They continued to say because the calls were recorded that I didn't need it. I made this agreement with the collection company One Advantage LLC. It was paid in full on XX/XX/XXXX or XXXX. They agreed to remove this account from all 3 credit bureaus all they have done is updated the payment of the XXXX Now XXXX XXXX is saying that XXXX is on vacation until Monday even though she told me yesterday that she was going to have another supervisor to remove it and she was to call me back. She did not call me back when I called her back today she is giving me the run around and saying they will update. I need this corrected.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: MD

Complaint narrative:
I previously submitted a complaint ( XXXX-XXXX  ) stating that i never received a XXXX XXXX XXXX that I redeemed points for. I received an letter from American Express noting that they would re-process the XXXX XXXX XXXX and sent it to me. I received two seperate emails on XX/XX/2021 and again on XX/XX/2021 indicating that my redemption order has shipped. It has now been a month and i still haven't received it. I don't have any issues with my mail and I don't understand why this keeps happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote the three credit bureaus, XXXX, XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

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 2021-07-21 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 wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent them my updated Driver 's license, utility bill, and SSN card. However they are using stall tactics to keep errors on my report. They are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
The company called XXXX XXXX XXXX, a XXXX XXXX entity, marketed a credit builder installment loan to improve my credit. I paid all payments on time and it shows up on my credit as not paid in full with a balance. They also encouraged consumers to get a credit card in connection to this account. When I completed the 12 month program, they closed my accounts. This hurt my credit in two ways : ( 1 ) Closed account status and ( 2 ) incomplete installment payments. I intend on filing a civil complaint against them if not corrected immediately. 

SELF engages in deceptive and unfair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
Amerihomes listed on my credit report that I had 30 days late marks on their account XXXX, XXXX, XXXX XXXX and XXXX of 2020. Previously they said that I miss a payment in XXXX of 2020. I showed them proof of payment and had correspondence with their loan administration department to resolve the issue. A department person said that while we were trying to resolve where the missing payment came from, they gave me a 'Rolling 30 ' which means that even though I continued to make my payments on time, they were reporting that I was 30 days late and putting those marks on my credit report. 

This is an extremely unfair practice because I assumed that we were trying to resolve the issue together and Amerihomes was going behind my back and reporting negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I received a call for a family member regarding a debt owed. After explaining to the representative several times that she had the wrong line. She was very unprofessional and insisted that I leave a message for my family member or provide her with an alternative number to contact them directly. I eventually ended the call after asking her repeatedly not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
A worker 's compensation policy was cancelled on XX/XX/2021 with XXXX. XXXX charged our credit card without our authorization on XXXX, XXXX, and XXXX of 2021. We tried to solve the issue with the merchant and have called them multiple times to get a refund. Everytime, a XXXX Agent states that they are working on it, however, they do not follow through. We follow-up with them and they keep on transferring our call or stating that they are working on it, but it never happens. We also tried to dispute the charges with our credit card company, however, every customer agent that handles our case shares different information with us and treats it differently. On XX/XX/2021, we talked to our credit card company and they assured that our documentation would be reviewed as we provided a cancellation letter to them. Today ( XX/XX/2021 ), our credit card company stated that the time has lapsed for 2 cases and are going to resolve 1 in our favor. All of the 3 cases deal with the charges made in XXXX, XXXX, and XXXX. The letter proves that the 3 charges were made without authorization. The case ruled on our favor is XXXX so how come XXXX and XXXX are out of the time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-21 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:
Dear CFPB, I have sent in countless letters to Experian, TransUnion, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, TransUnion, and XXXX please delete the account before I seek litigation.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear CFPB, I have sent in countless letters to XXXX, XXXX, and Equifax, neither Consumer reporting agency has removed the XXXX Bank account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, XXXX, and Equifax please delete the account before I seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: HI

Complaint narrative:
I am the victim of identity theft, my debit card was used to make unauthorized online transactions, to XXXX XXXX. Dates of unauthorized transactions - XXXX, XXXX, and XXXX. XXXX = XXXX transactions for {$500.00}, totaling {$1500.00}. XXXX = XXXX transactions for {$1000.00}, totaling {$3000.00}. XXXX = 3 transactions, totaling {$4100.00}. All transactions total {$8600.00}. 

I did not authorize any of these transactions. Chime declined to reimburse my unauthorized transactions. 

I also filed a report with the Federal Trade Commission, stating that my identity was stolen and used to make unauthorized online transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
this is second time i write to this agency still my issue not solved! i don't know what to do i thought this agency have power to solve problem but it seems it isn't! 

I want to file complaint against capital one credit card, on XX/XX/2021 i purchase a ticket to fly to XXXX i bought a ticket from XXXX XXXX, using my pocket money and rewards miles which is XXXX miles rewards transfer to money became XXXX , finally after so many times calling sometimes on hold/phone for 3hrs! i have back my pocket money but never received my rewards miles back and worst, somebody from travel center put it in my account as i purchase something! which is not correct i didn't buy anything i canceled my flight should be easily all things come back to my account but with capital one never happen! i am afraid now these money which should be rewards come back as credit but it show as i buy something is goona affect my credit score for next statement. please this time solve my problem because this company simply ignore me doesn't help at all i don't know what is them problem!!! 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
NAVIENT is reporting incorrect information on my credit report. I went to school on a full-ride scholarship and someone obtained financial aid in my name. This issue is pending SUPREME court. NAVIENT is very well aware of this situation and you need to stop them from reporting fraudulent information on my credit profile. Under The Fair Credit Reporting Act ( FCRA ) there are procedures for correcting fraudulent information on your credit report and requires that your report be made available only for certain legitimate business needs. 

Under the FCRA, both the consumer reporting company and the information provider ( the business that sent the information to the consumer reporting company ), such as a bank or credit card company, are responsible for correcting fraudulent information in your report. To protect your rights under the law, contact both the consumer reporting company and the information provider. 

PLEASE STOP REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I signed up for a Citi XXXX Promotion through my Citi XXXX XXXX, promising {$700.00} if I added {$50000.00} or more ( new to Citi ) to a new Citi Priority Checking and/or Savings combined and hold them for 60 days. By XX/XX/XXXX, I deposited {$57000.00} into the Checking and Savings from non-Citi Banks, and maintained at least {$50000.00} combined since that date. I was supposed to qualify after 60 days from XX/XX/XXXX, however I did not get notified about my qualification, so I called and asked and they created an inquiry for me on XX/XX/XXXX. On XXXX/XXXX/XXXX they notified me that I did not qualify for the promotion because I did not maintain the {$50000.00} minimum balance, which was untrue. I called back on XX/XX/XXXX and the Supervisor agreed with me, and created a note to reopen the investigation due to his review that I qualified. I called back on XX/XX/XXXX because I had not heard back, and they had no record of the call that I had on XX/XX/XXXX and that all they could do was open another inquiry for me. Another inquiry was made on XX/XX/XXXX and on XX/XX/XXXX I was rejected again saying that I did not maintain the minimum balance, which was again untrue. On XX/XX/XXXX I called to submit a complaint and was promptly hung up on, and once I was finally able to connect with someone again, all they were able to do was submit another inquiry that would take another 5-10 Business Days. I still do not have a record of them even creating this inquiry, so I have come to the CFPB since Citi refuses to cooperate with me. I have the letters stating the terms of the promotion, all of which I complied with but they refuse to honor the promotion.

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 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had gotten behind on my XXXX XXXX Credit card through Commenity bank. I was contacted by them in XXXX and had set up a payment plan of {$20.00} per month until I could get caught up. I later found out that they had changed the payment plan to {$47.00} per month without my permission and then terminated the payment plan and proceeded to charge me outrageous over balance and late fees. When I accessed my account online I learned that not only had they done this but that someone had changed my contact/security number to that of my ex-wife who they would have no way of knowing or reason for contacting since this account was established several months after our final decree of divorce was issued. I changed the number back to mine. Funny thing is that they were able to contact me by phone prior to this time which was the same number I provided as my security number. When I attempted to report the mishandling of the account I was bounced back and forth between departments each time sent back to the payment collections department without any regard for the mishandling of my account or the consequences thereof. When I attempted to speak with someone in the fraud department she told me that no such payment plan of {$20.00} per month was done by them and when she promptly forwarded me to the payment collections department they subsequently offered to start a new payment plan of {$20.00} up to which point I had not mentioned to the woman I was speaking to. They were misrepresenting the facts and to add further insult the woman was gossiping to an associate about my irritated state when she thought that I could not here her and they were laughing. Please help me to remedy this situation. Thank you for your time and consideration in this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I accepted a promotional offer through XXXX to open a Credit Karma XXXX XXXX bank account after filing my joint taxes with my husband this year. Their was a monetary incentive. Our refund was to be deposited into this new account. I received my debit card shortly after opening the account ( XX/XX/2021 ). I did not deposit any additional money to the account being that my sole purpose for the account was to keep our refund separate from our income. 
Our tax refund finally deposited XX/XX/2021. When I tried to use the Credit Karma debit card it kept declining. I spoke with customer service on XX/XX/XXXX, and was informed my account had been frozen. They refused to give me any additional information or time frame for when this matter would be resolved. I have reached out and havent received any response or communication on their behalf. The customer service agent said they would expedite the issue and would send email confirmation. That did not happen. 
I linked an account on XX/XX/XXXX. On XX/XX/XXXX I received an email concerning new activity and the security of my account. They requested I send a front and back photo of my ID and bank statement for the linked account. Credit Karma Member Support said the issue would be resolved after they received these documents. I have sent two separate emails inquiring about my account status ( XX/XX/XXXX and XX/XX/XXXX ). They have not responded. My account has been frozen for 14 days and I have no clue why or how I can resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: TX

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

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 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Credit Bureau is showing me a score of XXXX after I provided documents ( receipts ) to show an old collection account had been settled. Applied for a refinance and Equifax reported a XXXX score to the lender. This is deceptive. 
I am aware that a mortgage score is calculated differently but my scores from XXXX and XXXX are in line with what shows when I log in. Why is Equifax different?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a check. It was a gift of {$5000.00}. I went to deposit the check on Friday the XXXX of XXXX. I received a notification that the check was put on hold due to the amount in the check is larger than I normally deposited so that was normal to me. On the XXXX of XXXX, I go to log in to my account because I just want to see how much I could spend on gas. The account was locked and I was not able to get in. Wednesday the XXXX, I called Bank of America to see what the problem was and why my account was locked and they told me that the check I had tried to deposit was a counterfeit check. I didnt know that. It looked like a real check from XXXX/XXXX. Now Im cant bank at Bank of America anymore and I having trouble trying to find a new 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