vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-12 00:00:00
Product: Credit 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: GA

Complaint narrative:
On my American Express app I was given an offer bonus of XXXX Amex points to sign up for the Amex Gold card. I used an online point calculator and saw that this was worth around $ XXXX {$2000.00} dollars depending on redemption methods. I deemed that the application was worth it considering the XXXX XXXX  yearly card fee. I noted this offer and decided I would apply. I did not have time to apply immediately, but decided I would when I had the opportunity. 

Several weeks later I applied. I did so by googling the offer. The offer I found was XXXX. I did not remember that the previous offer I had received was for XXXX points. I simply remembered that there was a bonus offer of many thousands of points that were worth approximately $ XXXX {$2000.00}. 

After some webpage errors in the application process I decided to call in to apply by phone. The agent walked me through the phone application process and verified my XXXX bonus offer. At no point did he make it known I had an available XXXX point offer instead. I applied for the card and it was approved. 

Less than an hour later I logged into my app again and saw there was still an offer for the gold card, but it showed XXXX points instead of the XXXX points I had just signed up for moments ago. I called Amex phone support but then said the correct department was closed. I called the next day ( today ) and told them the situation. Both agents I worked with said it was impossible to change the offer. 

I do not believe it is impossible to change the offer. I made an honest, human mistake that I believe would be fair to have Amex correct, especially because the agent during the application process had the ability to correct me but did not. I am excited to have this card, but this first step has left a rather unpleasant taste that I believe is unnecessary and unfair. 

As of writing this complaint, the XXXX offer is still available on my account, and says it will remain available until XX/XX/year>. 

As I do not currently have my new accounts card number, I have placed the last 5 digits of another credit card I have with Amex to assist in locating my account for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed I had fraudulent accounts on my report. Please remove these accounts, they are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My name is XXXX XXXX I am keeping reporting my this issues over and over to yall for years and months and ages and no resolve still yet I didnt open a account with yall everything time I dispute the account account with yall and yall say I open the account when I never did I never authorized a account with yall or sign no paperwork or did a signature with yall to open a account and to get a card with yall or did business with one yall service or vendor my picture id was lost and stolen and used for yall and and ssn was used and I never did a hand signature with yall or yall service or vendor or a electronic one online or by device with yall or service or vendor my informations was stolen and lost and used without my permission and my first name dont match on yall record it is XXXX not XXXX and account information is XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX and credit card account number ending in XXXX dispute need to be reopen or investigative or reinvestigated or make into a new dispute for yall to investigate again and for any other accounts y'all open for no reason need to be disputed as unauthorized and fraudulent and charges disputes to {$0.00} because I am not responsible for this accounts and charges and dont open no new accounts for me when I didnt request it when I just report this issue as fraudulent unauthorized account open in my name without my permission and I want this to be favored in my end this is the last time I report this to yall I am tried of contacting yall about this and yall aint helping me next step I will take yall to XXXX XXXX XXXX and then take yall to court for a lawsuit if I have to after XXXX XXXX XXXX if yall dont favor this in my end etc Update I need yall to investigate this because yall decision in CFBP XXXX isnt truth I never open a account with yall and the name dont match on my picture id and this is fraudulent please reopen the investigation and investigate again etc Update this account Account ending in XXXX needs to be closed too as fraudulent open I never open and investigate and dispute as unauthorized and fraudulent and dispute the balance I am not responsible for for {$13.00} and waive it to {$0.00} and fully close the account out and stop opening new accounts up for me under new account numbers I didn't authorize for a account look at the attached below etc.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CARVANT FINANCIAL LLC
State: PA

Complaint narrative:
Carvant financial have repo a car from me 7 years ago and there still report on my credit report I ask them for several documents a 1099a to clear the debt I have not gotten any response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: TX

Complaint narrative:
I applied for an apartment in XXXX Texas. I was screened by a company called XXXX and they flagged me for Debt to a property that I never lived at, and was impossible to live at as I was not a Resident in that state at the time and the debt was placed in my name from XXXX to XXXX. It is hindering my ability to have a apartment lease to me, and I am facing possible homelessness. Hunter Warfield is the creditor and I flagged it with them but they have not done anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account XXXX # XXXX This debt has been XXXX by the XXXX creditor, which means, that the debt has been paid and is considered income. Since a XXXX is considered XXXX, it has to be removed. XXXX can not be reported on credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX XXXX Account Number # XXXX This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

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 2024-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citi Bank credit card. 
on XX/XX/XXXX i made my regular payment ooline and noticed fraud purchases. Ireported the items and on XX/XX/XXXX citi bank took XXXX dollars out of my bank by phone. UN-AUTHORIZED. that money was not credited to my account until after i called them and told them it was unauthorized then they credited it to my account even though i did not want it to be. i am on social security and XXXX is more than XXXX of my check. my bank charged me overdraft fees for the bills i paid because i did not authorize citi bank to take the XXXX dollars. well i received a check for XXXX dollars and bank advised me not to cash it. i did not. then i received a check for XXXX dollars and did not cash that one either. citi bank said i owed the XXXX dollars as payment which i did not. ended up they lowered my credit limit before while all this is going on and then kept charging me over the limit fee because they changed my limit. So Citi took my money, XXXX lowered my credit limit causing me to be over the limit now charging me a huge amount of money, causing my bank to charge me over draft fees and not even investigating or showing anything about disputed items. but still charging me those outragous fees. I have a bad XXXX and all this stress has been causing me XXXX XXXX trying to talk to them to get them to fix this. they refused. Can you help me and can you reccomment a good attorney that will help me sue citi bank? it is now XXXX and they will not even listen to me about it. they send me a new card but i have not activated it.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Upon reviewing my credit report Hard Inquiries were identified from : XXXX XXXX XXXX USA XXXX  XXXX XXXX  XXXX XXXX XXXX VA XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I just purchased my home in XXXX and my mortgage company has sold my loan to Shellpoint Mortgage. Shellpoint has sent me a demand letter stating they find my deductible amounts unacceptable and advising me to address the issue or face Lender Placed Insurance. I spoke to my insurance broker and he said what they are doing is not legal and that my insurance meets their demands. Very specifically he states The initial lender accepted as is, AND your true windstorm deductible is only {$2500.00}. The XXXX XXXX XXXX XXXX deductible only applies if a named hurricane causes damage. 


Shellpoint has had several class action lawsuits brought against them for similar practices in the past and they have always been found guilty. I feel strongly they are attempting to shake me down for an LPI event to squeeze more money out of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
We maintained a money market account at PNC with a balance over {$1.00} XXXX and decided to close the account primarily because of poor customer service over the years. I went in to the PNC branch ( XXXX NJ ) and met with a XXXX regarding closing the account. During the conversation with the XXXX I asked how much interest I would be receiving. The XXXX replied that since the closing was off cycle I would lose the interest. I told him that I did not want to lose over {$800.00} of interest and that I would wait until XX/XX/XXXX to close the account. He said that he had already initiated the closing ( I had not known this ). He asked if I wanted to reverse the closure and I replied yes. He then called his management and sought to reverse the closure. His management apparently replied that they couldn't technically reverse the closure but that he would escalate the interest issue and there was no reason for PNC to deny the payment of the interest. The next day, the " escalations '' person contacted me and told me the escalation was denied and interest of over {$800.00} was forfeited. At no point before the closure did I actually know that the account had been closed prior to discussion of the interest issue. At no point did the XXXX raise the interest issue until I raised it myself. The bank 's argument of course is that the account agreement which is multi page tiny type and " signed '' many years ago states that off cycle interest is forfeited. This is a contract of adhesion and PNC should not be permitted to hide behind it. The rep should have ( i ) himself mentioned the interest issue prior to closing and ( ii ) not initiated closure until the issue was discussed after I raised it. This is a significant amount of money that PNC should not be permitted to take from a customer. Does PNC not have an account closing checklist and process that deals with this issue, and through which the interest issue is discussed or does PNC just take the position that they will take a windfall from customers? Does PNC train their reps to mention the issue or do they train their reps NOT to mention the issue. In any case, I raised the interest issue BEFORE I was aware that the account had been closed and PNC should have either reversed the account closure or credited the interest. Any other result is a travesty and essentially a theft of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting 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:
Attempted to contact reporting agencies about injuries, they were no help. received many automated messages. Experian file was compromised with unrecognized/unauthorized inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have purchased multiple items with the online store from Ashley Furniture. We tried to return the purchase within 15 days due to missing parts and items damaged. We have reached out to the store and synchrony bank. They have told us in store and over the phone that they can not accept the return in store due to the size of purchase. Ashely has refused to accept the damaged items they sent and synchrony bank that is partnered with Ashely keeps sending us collection notices. We have had 3 disputes with them. Ashely 's response with Synchrony is that the items were delivered in good condition which is not the case and they were not signed for.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding the ongoing inclusion of inaccurate public records information on my credit report, which I have been unable to resolve despite multiple attempts to have the information removed. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must validate the accuracy of information on an individual 's credit report. 

Over the past several months, I have contacted XXXX and Experian numerous times, requesting the removal of inaccurate public records information from my credit report. However, my efforts have been unsuccessful. 

The inaccurate information in question appears to have been obtained by the credit bureaus through the XXXX XXXX XXXX XXXX XXXX XXXX ( PACER ) system. I have confirmed that the Bankruptcy XXXX has no interaction with these credit bureaus, nor do they have control over what the credit bureaus do with the information they obtain through PACER. In fact, I contacted the Bankruptcy XXXX to confirm whether they had validated the public records information listed on my credit report. In response, the court provided a letter dated XX/XX/XXXX, stating that they do not have contact with or jurisdiction over credit reporting agencies. 

Since the information obtained from PACER can not be validated or verified by the Bankruptcy XXXX, it does not comply with the FCRA 's requirements for accuracy. Despite this, the credit bureaus continue to report this information on my credit report. I have made numerous requests, including a recent submission on XX/XX/XXXX, asking that this public records information be removed due to its unverifiable nature. 

Given XXXX 's and Experian 's refusal to comply with my requests, I am seeking the CFPB 's assistance in enforcing the FCRA and ensuring that the inaccurate information is removed 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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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