vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/XXXX at approx XXXX hrs I attempted to set up my mobile app for a care credit card, after three attempts of it not working I decided to call. On XX/XX/XXXX at approx XXXX hrs, I contacted synchrony credit card company. My first two attempts to call the number, resulted in the phone line ringing once then complete silence. My third attempt resulted in the company answering the phone, but will not release any information to me bc they say my date of birth is wrong and that I have to fax a copy of my drivers license. At this point Im very skeptical of their business practice, how can they issue credit cards to individuals when they arent verifying date of births in the beginning. They issued a credit in my name name with my information but wrong date of birth. They want me to except responsibility for all transactions on the credit card without allowing me to know the dob they entered into their system and used it and will not give me any information pertaining to me as the card holder ...

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 2019-01-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, XXXX, Experian, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below 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 2019-01-07 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: Great American Finance Co
State: OH

Complaint narrative:
I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. Great American finance XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX/XXXX  XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am trying to get a payoff statement from the company with the daily per diem and wiring instructions because I have secured another loan to pay off the company due to historical issues with Citizen 's not sending me statements. I have inquired several times to get statements and even filled out the proper paper work. Citizen 's is claiming that the issue is with my address. The property is at XXXX XXXX XXXX XXXX. There paper work states street -  they say when they call the tax office to have it corrected, the tax office confirms it is street.  Not true at all - I called the tax office myself and they advise it is XXXX XXXX and has always been XXXX XXXX. I believe they are purposely withholding information from me in order to charge me late fees. After securing the other loan, I have spent the past 2 weeks attempting to get a pay off letter sent to me without success. Every time I call the wait time is in excess of 10 minutes and then they put me on hold and do not come back to answer the phone. I believe this behavior is retaliatory in nature. All I want is a pay off letter from this company so I can pay them off and stop accruing late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HARBORONE MORTGAGE, LLC
State: NH

Complaint narrative:
The mortgage lender XXXX XXXX payments and processes division started an internal process to adjust past payments made on the loan. According to XXXX XXXX this started on XX/XX/XXXX. XXXX XXXX put the full balance of payments in suspense triggering multiple phone calls to me stating my loan was past due 6 months. According to XXXX XXXX 's own statements provided to me they show the loan has always been paid in full on the XXXX of each month. 

After 2 more phone calls with managers I was told the payments and processes division was completing the transfer of the money that was in suspense and the account would accurately show it was paid in full. As of XX/XX/XXXX XXXX XXXX miscalculated the amount in suspense by an entire months payment ( XX/XX/XXXX ) thus causing the automatic billing/paymenet for XX/XX/XXXX not to process. 

Currently the account still shows past due and XXXX XXXX has stopped the automatic billing. 

This issue seems to be linked to the original violation Harbor One Mortgage made in selling this loan to 3 debt collectors. Harbor One Mortgage addressed the violation and ensured me the loan would only be serviced by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: MI

Complaint narrative:
All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.

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 2019-01-07 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: FL

Complaint narrative:
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX   acoount # XXXX.I was never late.The information is incorrect.

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 2019-01-07 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: FL

Complaint narrative:
I have a 30 days late payment in XX/XX/XXXX and XX/XX/XXXX regions bank acoount # XXXX.I was never late.The information is incorrect.

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 2019-01-07 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ),  Equifax, XXXX, & XXXX  have not investigated or responded to disputes of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: GA

Complaint narrative:
I filed a proper dispute with Equifax on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX  with a dispute and request for validation on this unknown medical account as per instructions from Equifax on XXXX-18. I re-disputed to Equifax with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Equifax 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.Cabela 's Club card issued by World foremost bank.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to Cabela 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I have a store card with XXXX thru XXXX XXXX. I am set up for automatic payments. I received a phone call from XXXX saying I haven't paid in 2 months. This is the second time this has happened with XXXX ( I do have other accounts with XXXX ). Because of the first time my credit limit was lowered. I thought I would use it again and try to rebuild my line of credit with them. Whan I talked to the representative, she was being evasive when I asked if this was going to be corrected on my CBR. She would say it would show me as current. I had to get specific, even though she knew what I was asking, and see if the late payment would be removed from the CBR since there was a reasonable expectation for the payment to be made per the arrangement on the website. The rep stated that it did come out for the one month but it stops after 6 months. I never say this on their website, nor was I given an alert letting me know my auto payments were about to expire and would need action on my part. She even asked if I wanted to make my past due payments with the checking account on file!!! It is the same checking account I have had for 20 yrs and the money was always there so I agreed to the payment t be taken immediately. When I asked to speak to a supervisor about this situation I was put on hold and then the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: NC

Complaint narrative:
This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.

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 2019-01-07 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: U.S. BANCORP
State: OH

Complaint narrative:
I have called three times nothing been done but let it sit on my credit its only hard inquiry and soft that I didnt authorize. XXXX XXXX XXXX XX/XX/XXXX USBank XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017

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 2019-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My wife and I decided to open up a XXXX XXXX credit card. The main incentive and motivation to open a credit card was the rewards program that would assist us in purchasing items for our new home. On XX/XX/2018, we purchased various furniture and fixture items for our house totaling {$2900.00} before taxes and shipping fees ( see attached ). The promotion that store marketed to us was any purchased made through the XXXX XXXX weekend ending on XX/XX/2018 was eligible for double points. 

The issued occurred when the purchase of the dining room table and recliner was not charged on our credit card until after the promotional period. Their system could not recognize that the purchase was made within the promotional period and applied the points as if we had made the purchase on XX/XX/2018, the date of shipment, which is outside the promotional period. As a result, we lost out of {$170.00} worth of rewards dollars we were entitled to per the credit card and promotion agreement. 

After dealing with the store and corporate, they acknowledged that a mistake was made that should be correct but they indicated that we must go through the third-party credit card provider, XXXX XXXX, to correct the issue. The credit card company said they can not control or have insight to promotions by the store and correcting the application of rewards dollars. 

After going back and forth for two months getting nowhere, I finally requested to speak with a supervisor from XXXX XXXX. The supervisor indicated that there was no way I will ever be re-credited the misapplied rewards dollars cause no one has the power to do so. I then requested that I close my account because both XXXX XXXX and XXXX XXXX breached the terms of the promotional and credit card agreement and that I was mislead. 

The account was closed on XX/XX/2018. On XX/XX/20018,  XXXX XXXX sent a letter ( attached ) indicating that based on their investigation that they will re-issued the XXXX points that should have been applied in the first place. However, because my account was closed based on what the supervisor told me, I can no longer utilize the rewards dollar. When I asked the bank how I can use the rewards dollars, the bank just said that they will use my feedback to improve customer experience. 

The way I been treated should be taken note by anyone who plans on doing business with XXXX XXXX and their subsidiaries. I hope my issue can be resolved promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07 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: MI

Complaint narrative:
All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
All 3 credit bureaus have been putting my car loan as reposssed redeem and Late payment that shouldnt be on NONE of my reports. Ive sent in numerous complaints to consumer finance. This is my third time filing and will seek legal action if its not off my report within the same day of receipt of this complaint. This has hindered me from purchasing property. Very damaging to my score.

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 2019-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion have not investigated or responded to disputes of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, Experian, & XXXX have not investigated or responded to disputes of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: FL

Complaint narrative:
I have a XX/XX/2013 30 days late payment XXXX XXXX XXXX Account # XXXX.The information is incorrect.I was never late.

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 2019-01-07 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: GA

Complaint narrative:
I have been disputing inaccurate information since XX/XX/2018 - Here 's some of the report numbers : I noticed there were items that had been removed were back on my report so I called equifax to ask why they were re-inserting items on my credit report that were removed. The next thing I know everything was completely deleted from my credit report XX/XX/18 - Equifax claimed to have loss all of my information and suggested that I fax a letter with my missing information via fax- which I did. Now, they are putting items that were previously deleted and re-inserted them without a certified letter to me explaining why-which by law is required within 5 days. 

I'm so tired of dealing with Equifax its a game to them and they are responsible for me not being able to obtain credit. Equifax does not follow any of the 609 rules or anything!

Here 's a list of the reinserted items : Acctmanagement original XXXX XXXX XXXX XXXX {$340.00} ( hippa law ) XXXX XXXX  - {$12000.00} I have asked them to remove ALL ADDRESSES that are NOT associated with me and even sent an affidavit - they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known IDA Inc? 

I received a letter from XXXX XXXX XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.

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