vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an American Express Delta Reserve card on XX/XX/XXXX and was approved. I opened it in large part because of the promotional offer with the card -- spend {$5000.00} in the first three months and other mileage credits if you spend certain amounts after that within the year. I opened it after much research and despite the {$550.00} annual fee because of these promotional offers. I was sent emails immediately letting me know I would receive the card within 3-5 business days. By XX/XX/XXXX, I still had not received the card so I contacted AMEX. I was told that they didn't know what had happened to the card but they reissued one and said it would be there by XXXX XXXX. I did not receive the card by XXXX XXXX and when I called that day and spoke to a customer service representative, they said that they weren't sure when it would be reissued because there was a " backlog '' in producing the card. I finally received a card on XX/XX/XXXX in the mail, but this card was the first one that hadn't arrived. When I called again, I was told that they could not reinstate this card and that they still had no ETA on the replacement card. 

AMEX should not be allowed to offer promotions to customers and then prevent them from earning the promotions. I now feel stuck -- I can't close the card and open a competitive one without hurting my credit. I have to pay a {$550.00} annual fee. And we are now 10 days into my three month period to earn the promotion with no ETA on when I will receive the card to use. I've called and asked for solutions. I've called and asked to speak to managers. I've gotten repeated run arounds and no resolutions other than a {$30.00} credit to my account. This seems like fraud and an unfair business practice, and I think AMEX should be forced to waive the {$550.00} annual fee and credit me the promotional amount now given the hassle and their many promises that have not been fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: LA

Complaint narrative:
I am requesting a freeze be placed of my XXXX XXXX, Innovis XXXX XXXX file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am requesting a freeze be placed of my Lexis Nexis, XXXX XXXX XXXX file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that  they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have submitted multiple complaints about ally financial and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a car fax and how they still sell cars that were in accidents without telling customers. 
Not giving a car fax was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. Ally didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: IL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
SSN : XXXX DOB : XX/XX/XXXX American express keeps on blocking my cards from usage, after successfully paying on time every single month also adding close friends from New York and California, embarrassing me with them. they now are asking for a financial review, i XXXX XXXX XXXX   currently, a XXXX XXXX, XXXX XXXX, and XXXX XXXX. i have more then enough money to pay these cards i even called asking about the black card they have but this relationship with America express has been rocky. i have attached copies of the bank accounts associated with my businesses statements. i was told to contact the CFPB by my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

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 2020-02-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to reach out several times to Experian & XXXX, to have the lates removed from my report, because XXXX erroneously reported me late, and after several months of this back and forth, its still showing on my credit report the incorrect data and payment history, which moneylion falsely recorded, and still hasnt corrected. enough is enough, i am looking to get mortgage financing in the next few months, and this erroneous reporting, is destroying my credit scores. I have tried several times to rectify this online & by calling, with both bureaus, enough is enough. Also, CFPB, if you refer back over the last several months, you shall see that i have submitted to claims of Moneylions erroneous & disastrous errors, which i provided to Experian & XXXX, and they disregard completely, especially, the part which reflects that XXXX was 100 % wrong, admiited it, and reported erroneously.

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 2020-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I just gotten my State Income Tax Refund into my Huntington National Bank Account and then a couple hours after that they closed my account and put it on hold for 14 to 21 days. I now can not get access to my funds nor to my online banking. I called them and they told me that my funds and the online banking would be available within 14 to 21 days from now. That means I don't have access to these funds until about to XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My original mortgage with XXXX was transferred to Mr. Cooper around XX/XX/2019. After taking the loan over, Mr. Cooper opened an escrow account without my authorization and started billing me, claiming I owed a balance of approximately {$330.00} due to a gap in my insurance coverage between XX/XX/XXXX-XX/XX/XXXX when my loan was with XXXX. I was never notified by XXXX  while they had my loan that I had a gap in insurance coverage, I never received any correspondence nor was I ever given the opportunity to be made aware of the gap or to buy the necessary insurance. Furthermore, XXXX  never billed me for such gap coverage, nor did my loan reflect such balance when my loan was transferred. After speaking to Mr. Cooper several times over the phone, they have not been able to provide me with any proof or confirmation that a policy was truly purchased on my behalf by XXXX. XXXX also has denied my requests for proof or confirmation that a policy was purchased on my behalf to justify the amount I am being charged. I continue to be billed for a policy I was never made aware of that was purchased on my behalf which is completely unfair and advantageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have submitted multiple complaints about XXXX XXXX and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a XXXX XXXX and how they still sell cars that were in accidents without telling customers. 
Not giving a XXXX XXXX was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. XXXX didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

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 2020-02-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NY

Complaint narrative:
I have tried to reach out several times to XXXX  & Equifax, to have the lates removed from my report, because XXXX erroneously reported me late, and after several months of this back and forth, its still showing on my credit report the incorrect data and payment history, which XXXX   falsely recorded, and still hasnt corrected. enough is enough, i am looking to get mortgage financing in the next few months, and this erroneous reporting, is destroying my credit scores. I have tried several times to rectify this online & by calling, with both bureaus, enough is enough. Also, CFPB, if you refer back over the last several months, you shall see that i have submitted to claims of XXXX erroneous & disastrous errors, which i provided to XXXX  & Equifax, and they disregard completely, especially, the part which reflects that XXXX was 100 % wrong, admiited it, and reported erroneously.

Company response to consumer: Closed with explanation