vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-13 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: FL

Complaint narrative:
See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, XXXX CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched EQUIFAX XX/XX/XXXX LETTER * CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to Equifax 2 times & TO NO AVAIL?? ( How can a credit score on me from Equifax be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD EQUIFAX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years XXXX on limited income XXXX XXXX XXXXXXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. ** EQUIFAX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE EQUIFAX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: IL

Complaint narrative:
Re American Expess acount : XXXX XXXX XXXX. 

In XXXX, I opened a Hilton AX card with a bonus of XXXX points after initial spending. The threshold was met on my first statement. 

Three months have passed, and the points have not shown up in my account, and today a rep on the phone told me my account was being reviewed. 

I have no idea what that means, but, frankly, I expected better service than this from American Express. 

Then again, maybe I didnt really expect better service, and thats why I made sure I printed out the chat transcript I had with one of the AX reps on XX/XX/XXXX to make certain the terms of the bonus offer were in writing ( I mistakenly cited XXXX points at the start of the chat and the agent even corrected me to point out I would be receiving XXXX points ). 

You will see from the transcript that at XXXX XXXX  on that date the bonus was confirmed and at XXXX XXXX, the time frame was confirmed again. 

Is this sort of game-playing the new normal from AX? 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: LA

Complaint narrative:
FTC VIOLATIONS FTC Returns more than {$14.00} XXXX to Consumers Deceived by Misleading Light Bulb Claims SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/XXXX TAGS : consumer refunds deceptive/misleading conduct Bureau of Consumer Protection Consumer Protection XXXX and XXXX XXXX XXXX The Federal Trade Commission ( FTC ) is mailing XXXX checks totaling more than {$14.00} XXXX to people who bought XXXX XXXX XXXX brand LED light bulbs. 

The FTC sued XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX for violating federal law by overstating the light output and life expectancy of their LED bulbs, and falsely comparing the brightness of their LED bulbs with that of other light bulbs. 

A federal court ordered the defendants to pay {$21.00} XXXX to the FTC to provide refunds and banned them from misrepresenting material facts about lighting products. People who bought XXXX XXXX XXXXXXXX XXXX light bulbs between XXXX and XXXX, and do not receive a check, can apply for a refund at www.ftc.gov/lights. The deadline to apply for a refund is XX/XX/XXXX. 

Check recipients are receiving full refunds. The average check amount is {$28.00}. Recipients should deposit or cash checks within 60 days, as indicated on the check. 

If consumers have questions about the refund program, they should contact the FTCs refund administrator, XXXX XXXX XXXX, at XXXX. 

To learn more about the FTCs refund program, visit www.ftc.gov/refunds. 

PRESS RELEASE REFERENCE : FTC Shines a Light on Company 's Deceptive Claims for its LED Bulbs FTC Action Leads to Court Order Barring Misleading Light Bulb Claims FTC Sends {$68000.00} in Refund Checks to Consumers Who Bought XXXX XXXX XXXX XXXX Light Bulbs and Filed a Claim Common violations of the FCRA include : Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer. Creditors give reporting agencies inaccurate financial information about you. ... Reporting agencies providing information to unauthorized persons or businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Debt is 22 years old and is time-barred

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 2020-05-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched FTC ID THEFT case XXXX. I began experiencing UNAUTHORIZED CHARGES on two credit card statements, USAA CREDIT CARD & XXXX CREDIT CARD XXXX XX/XX/XXXX. See attatched XXXX  XX/XX/XXXX LETTER XXXX CONFIRMING UNABLE TO LOCATE A CREDIT FILE. These requested documents were sent to XXXX 2 times & TO NO AVAIL?? ( How can a credit score on me from XXXX be ACCURATE WHEN CLEARLY THEY HAVE NO FILE ON ME?? ) ** I HOLD XXXX ACCOUNTABLE FOR THE ID FRAUD THEFT I HAD ON BOTH THESE CARDS JUST AFTER THEIR BREACH OF XXXX. ALL MY INFO IS SOLD ON BLACK WEB TO HAUNT MY FUTURE TRANSACTIONS WITH RISK. I am XXXX years old on limited income paralized hand XXXX I CAN NOT AFFORD THIS HUDGE LOSS. I AM A TARGET BY PROFILE WITH NO PROTECTION. XXXX XXXX PUT PROFIT OVER PRIVACY with GREED OVER PEOPLE XXXX NEEDS TO BE HELD ACCOUNTABLE AND PAY RESTITUTION TO CONSUMERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA HAS FAILED TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$37.00} TO MY CREDIT CARD # ENDING IN XXXX The Original Purchase for merchandise was in the amount of {$42.00}, as per the attached receipt from XXXX dated XX/XX/2020. 

The {$37.00}, was the Amount for a Return of Merchandise per the attached receipt dated XX/XX/2020. 

{$42.00} Purchase {$37.00} Return {$5.00} amount of my liability of the purchase after the return. Posted XX/XX/2020 On XX/XX/2020, USAA, posted a credit in the amount of {$37.00} for my merchandise return. 

However, on XX/XX/2020, USAA reversed my credit in the amount of {$37.00}. 

The Issue Remains That the Proof of the Return and Refund by XXXX by the Attached Receipt Was Not Refund to My Account. 

I Am Still Due the Credit in the Amount of {$37.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Collins Asset Group, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my XXXX report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2020 I recievied my BOA EDD card with my unemplyment benefits on teh card. I called to activate card, downloaded the app to see balance and hopefully tranfer funds to my bank account to pay my bills. Unfortunately you can not transfer funds via the app, so I tried to login on website, but the website is malfuncioning. I keep getting an error message when loging in, security information invalid, I tried another way by selecting need username as prompted, same message at the end. I trieid this 4-5 times to make sure it was not a user error, used same username and login, received same prompt. I called customer service, no answer for 1 hr. gave up On XX/XX/XXXX I tried again, talked to s customer ervice, they say the website is malfunctioning and they gave me the options to transfer me to technical support, or change my password to try again, or transfer me to the phone funds transfer. I chose tech support. The line they transferred me to was XXXX language, so after waiting 30min for a representative we were unable to communicate. I had to call back and wait longer to speak to someone. This time I chose option 3 ( transfer money to bank over the phone ). I waited on hold 25 minutes and the person says they do not do phone transfers currently. ( even though the automated system said otherwise. I pushed back and said i need to speak with a manager. they put me back on hold for 20 minutes. When they came back on they said they spoke with supervisor and were told that they are doing funds transfers after all. Now they transferred me to another person to actually do the transfer, Ii was placed on hold for another 15 minutes. no answer, it directed me back to the last person i talked to, now being transferred to a supervisor? I have been on hold for 15 minutes this go around still no help with transferring the money I need to pay my bills. I applied for UI on XX/XX/XXXX and it is XX/XX/XXXX, I am still unable to access my funds for the purpose I need 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 2020-05-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had only used this card on time - never missed a payment - needed a bed for my grand daughter and went to the store to find out that the Sychrony had closed my account. when I called they said the decided to close it and sent out a letter - which I have not received yet. 
I have done nothing wrong - I have paid on time and then they do this just to be XXXX  during this Corona Virus when I need it most. 
THEN - I call customer service to ask why they did this to me at this time - she put me on hold for 18 minutes and then hung up on me.

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 2020-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Account Services, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Bridgecrest Acceptance Corporation
State: WA

Complaint narrative:
Dear CFPB, I have submitted dispute for one of the inaccurate accounts on my credit reports. I did request all the information about account and XXXX hasnt provided them to me. I want them to provide all information as a proof that account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
unauthorized inquiries reported 1. The inquiry was not authorized XXXX   Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went on line to check out statement ( no paper trail ). I realized a charge of {$86.00} was added to account. I contacted my credit card ( Capital one ) and they explained this was a interest charge carried over a balance? I am charge monthly interest fees? In XXXX I am also charge a service fee of {$35.00} yearly. Back in XXXX of XXXX, I explained I lost my job I am going to pay minimum payments for a while till I get on my feet again. They said no problem as long as you make the monthly payment. I have never been late on payment, on top of that I paid always {$300.00} or more a month and my last big payment was {$3000.00} I think XXXX of XXXX to lower payments. I have been paying {$160.00} monthly and notice this charge of {$86.00} on XX/XX/XXXX. When I contacted them in XXXX to explain my misfortune they never mention that I would be charged this carried over balance? Never heard of this at all. Had many credit cards and no such problem like this. 
If you can look into this matter, and looks like I won't be getting my job any time soon. And have Capital One remove this charge, they already get monthly interest and service charge. Thank you in advance XXXX XXXX XXXX I just ordered new card so do not have number B/date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I noticed there are discrepancies in the status of the account for a balance from XX/XX/XXXX. The balance of {$6300.00} is showing closed with a {$0.00} balance on my XXXX and XXXX credit report but is showing still open when I pull my Transunion report. This debt is past 7 years old and is showing inconsistent reporting on my credit file. Please help me clear this issue.

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 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pankey & Horlock, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX we reached a settlement that the case would be dismissed. 

In XX/XX/XXXX. I received an invoice showing no fees fines. This was due to case being settled. 

I complied with all the terms of settlement. I mailed Certified mail with return receipt the settlement offer to debt collectors office. 

Without any notice After settlement was reached attorneys filed a motion for Default XXXX. After settlement was reached with no notice attorneys decided to proceed to trial. 

Debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ga XXXX. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Ga XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2020 I filed several disputes with Experian using the online disputes portal. On of those disputes included an account known as XXXX XXXX XXXX which was reporting as a charge-off/ collections account. In my dispute I provided Experian a letter which stated that XXXX XXXX XXXX account was paid in full and the account was closed. My dispute was a request to correct my XXXX Account. On XX/XX/2020, I received an email from the Experian Dispute Department which stated that based on the documents I submitted with my dispute # XXXX, an Experian Dispute Specialist modified the account information. When I logged into my Experian account I observed that my XXXX XXXX  XXXX account payment status was updated as now paying/ was a charge-off and I had multiple months of missed payments added to my payment history. I contacted XXXX XXXX XXXX who informed me that they were never contacted about my account, my account was never in a charge-off status, and the only late payment was XX/XX/2020 which was a 30 days past due. XXXX XXXX told me to contact Experian to have it correct was they could not change anything they didnt update. When I reviewed my credit report I observed that the Merchant Preferred Lease account was never updated and that the document I submitted for that account was applied to XXXX XXXX XXXX account. Because of this error my credit was impacted and now I am having difficulty getting it corrected both accounts corrected. Furthermore Experian is initiating disputes that I did not request.

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 2020-05-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express serve is claiming I owe them {$740.00}. I have a prepaid card with them so I'm so confused how I owe them. I do frequent a bar in my local neighborhood and they believe i purchased goods on XX/XX/XXXX. Multiple times which i haven't. They refuse to reverse the charges. I had money on the card from payroll funds as well as my tax refund. I dont owe them any money. As a matter of fact it is always something with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX CO, When looking at the contract the pay off was not applied to the loan company XXXX XXXX XXXX XXXX in the amount {$28000.00}. When I called about they claimed the check was sent XX/XX/2020 but the original loan does not have a record. When contacted XXXX XXXX they could not provide a check number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation