vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have maintained excellent payment history and in good standing on all of my accounts. My credit scores across XXXX, XXXX and Equifax were in the XXXXXXXX XXXX when I applied for a new credit card in XX/XX/XXXX. I experienced a small drop in my score of XXXX points but my score quickly bounce back with regular payments. In XX/XX/XXXX, I suddenly experienced a XXXX drop in my Equifax credit score from XXXX to XXXX. I did not experience any such changes with XXXX or XXXX. I pulled my Equifax online credit report XX/XX/XXXX and there was no incorrect information to explain the change. I thought maybe the information might be delayed in reporting and I reran my credit report on XX/XX/XXXX. While my credit score did go up to XXXX, there was nothing on my credit report to dispute that would have caused the critical XXXX point drop. I reached out to Equifax by phone on XX/XX/XXXX to inquire as to why I had such a significant drop and they also could not explain the change. I was told that it is how their credit scoring worked and there was no way to dispute it unless I found incorrect data on my actual credit report. This is a critical issue because I dropped from a rating that is consider " very good '' to " poor. '' and this impacts my ability to obtain a loan with a good interest rate or even able to get a loan at all. Their answer for me to " continue with making my payments on time and monitor for any erroneous information '' does not explain what happened and there is no repercussions for erroneous reporting by Equifax. I did request to speak to a manager but they were not available. I also filed a formal complaint with Equifax to investigate but they were not able to give me a reference # for my complaint. I was simply told that it had been documented and they would send me a report of it. I am outrage that I am being held hostage to Equifax and they have no responsibility to the Consumer. Specifically that I learned back in XX/XX/XXXX, the company reported a " coding glitch '' that impacted the Consumer 's credit scores and there appears to have been no steps taken to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: CA

Complaint narrative:
XX/XX/22 - chatted with Amex CSR through their chat function regarding offer of XXXX points to add authorized user ( husband to my account ) for annual fee of {$170.00}. She confirmed the offer and I signed up my husband. 
XX/XX/22 - {$170.00} annual fee was posted to my account No points to date. 

Separate issue : XX/XX/22 - saw offer in my online account to activate Pay Over Time feature for XXXX points and activated. Received email confirmation of activation. 

Numerous attempts to resolve the missing points issue with Amex via chat have been fruitless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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:
XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

XXXX still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

Sue all 3 fro still having incorrect information 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 2022-08-03 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: NY

Complaint narrative:
XXXX took off the information from the previous report with the consumer finance protection and than they put the information back on their. 

Transunion still has my name spell wrong. 

Both I would like to press statutory charges on. Each XXXX Who is XXXX XXXX XXXX I sent in a copy of my i.d . and 2 different froms of proof of address /. 

XXXX all XXXX fro still having incorrect information 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
My loans were transferred in XXXX from XXXX XXXX XXXX  to MyFedLoan, after I submitted a request to complete PSLF. My ending balance from XXXX when this transfer occurred was : {$100000.00} Upon further research, I requested a refund for payments made between XX/XX/XXXX and XX/XX/XXXX ( which was the last date I made payments towards my loan ). The amount equals, {$8600.00} towards loans that were NOT closed out. 

On XX/XX/XXXX, I requested to MyFedLoan a refund of these payments, they needed documentation from XXXX of my payment history, which I provided from XXXX, and highlighted the payments which qualified for this refund. I was told ( after calling several times ) I was eligible to receive {$7700.00} as a refund, which should take 2 weeks- 2 months. The amount was added back to my loan balance, equally {$110000.00} -- NOT " pending '' - simply readded back to my balance. 

After I kept calling, received SEVERAL different answers from several different reps, I was told this is normal and the refunds are taking more time due to an influx in requests. I then learned that one of my payments on XX/XX/XXXX of {$900.00} was not initially counted towards " payments I can get as a refund '' and I requested that one to be added in XX/XX/XXXX. I received a check for {$900.00} a few weeks later and my new student loan balance read {$110000.00}. I continued to call MyFedLoan with attempts to have this issue escalated in order for me to receive this payment of my refund, without a resolution. I was then told my loans would transfer to XXXX on XX/XX/XXXX ... and they still currently do not have my information until XX/XX/XXXX. 

I am submitting this complaint, as I am still owed {$7700.00} that was requested in XX/XX/XXXX. I am not sure where to turn at this point, but have been scammed out of this money - repayments will be resuming soon, with accruing interest, on this amount that I have not received back. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
A company called GC services has contacted both my son and my father saying that they're filing a claim against me in XXXX XXXX XXXX. They started calling me 4 times a day on Monday, XX/XX/XXXX. I have received nothing in the mail, there is nothing on my credit report. I have no idea who this company is, much less why they would be filing suit, or why they would be harassing me and contacting my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX I called Synchrony Bank customer service XXXX regarding my Amazon Prime Store Card account ending in XXXX. Discussed the following : My statement due XXXX shows new balance of {$1000.00} or total minimum payment due of {$53.00}. Within the new balance, {$570.00} charges on XXXX, were promotional 12 equal payments 0 % APR. However, no where on the statement does it provide the amount of the 12 equal payments nor show the adjusted balance. I am supposed to do the math myself. I was on auto payment and within the online payment resources, no where does it provide the adjusted balance. It offers the same amounts discussed in sentence two above. My phone call was a total of 40 minutes and included a regular rep and accelerated to supervisor. No one could tell me why the statement does not provide crucial payment information and balance adjustments. 

After the above phone call, I called Amazon to report Synchrony 's, I believe, illegal monthly statement. The rep, XXXX, told me he would transfer me to a Synchrony rep who is trained to deal with this problem. I accepted only because I asked the Amazon rep to follow up with me in two hours. I anticipated the same issue I had earlier, and that is what happened. No one can even tell me my adjusted balance. The rep, XXXX, told me I had to call Synchrony monthly for 12 months and ask the adjusted amount that is due. 

This is preposterous and disturbing management. I feel I was lured into a bait and switch situation. I have never seen a statement with monthly deferred payment presented like this, see attached.

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have previously submitted a claim to a bank of America for some fraudulent charges made on my account. However, the claim was unresolved. I am submitting an appeal because I have not made those charges and I am not responsible for them. Please reinvestigate this matter.

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 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2022 I checked my personal email. Upon reviewing the emails that were sent, I came across one from XXXX XXXX that my score had gone down by XXXX points! Wondering why so many points have been taken off of my score, I see that there was an unauthorized hard inquiry from XXXX XXXX Bank for a credit card request. This inquiry was requested via Transunion. 

After reviewing this information, I immediately contacted Transunion regarding this fraudulent activity. Transunion asked that I contact XXXX XXXX which I have done and to file a complaint with the FTC and request a letter. After speaking with XXXX XXXX they informed me that the account would be closed and the inquiry would be removed from my report. I do see that the card was closed, but the inquiry still remains and my points have not been returned.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I returned items to the store in XX/XX/2022 and part of the refund ( {$31.00} ) was credited to the credit card balance and part was a mailed tender of ( {$62.00} ) to my home. This has never happened with this company before. When the bill came in XXXX, a check for {$27.00} was sent for a purchase I made in XXXX and also the mailed tender of {$62.00} to pay the total on the card balance. The mailed tender was not used and I am now being billed for the {$62.00} and interest and late fees every month. I have spoke to people on the phone, sent multiple e-messages online and sent 2 letters with copies of my receipts and explanation of the payment asking to rectify error. Now I am being threatened to be sent to collection for items that were returned to the store.

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 2022-08-03 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: UT

Complaint narrative:
On XX/XX/2022, I received a notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX - CPU made on XX/XX/2022. I did not recognize this inquiry, and I had not used or applied for credit to make any purchases. I contacted XXXX 's on XX/XX/2022. The person I talked to could not help me but took down my information to have someone call me back. Nobody from the company ever called me back, and I received another notification that there was a second hard inquiry from XXXX 's on XX/XX/2022. I called XXXX 's again on XX/XX/2022, and they said someone had tried to buy a laptop on credit in my name on XX/XX/2022. I did not try to buy a laptop, and if I had, I wouldn't have needed to apply for credit to do it. I told XXXX 's that the person who was trying to get a laptop was not me. They said someone would call me back, but I have not heard back from them. 

I contacted Equifax, the company where the hard inquiry showed up, to ask them how to resolve this issue. They directed me to file a complaint with the Federal Trade Commission and to send in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have a XXXX XXXX Credit card that was charged off in XX/XX/XXXX. I started a payment plan with XXXX XXXX in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent Equifax credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my Equifax credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my Equifax credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
We applied to purchase some cars at XXXX of XXXX XXXX in XXXX XXXX. 


I was told that we as a company were approved for vehicles we wanted to purchase at their dealership. There was an error in the way they structured the deal ( their fault ) then realized they would need to submit that to their business customer support channel and would take days to get a response. They advised it would take approximately 2 days and get back with me to come and purchase cars. In the meantime they sold to highest bidder even though we had ordered cars for us, even though they pulled our credit. 

This is infuriating to say the least, why? Because we have worked for year to establish tier 1 credit, sweat equity, as well as a lot of things to figure out how to come up with large amounts of cash to pay off loans and sell our old inventory to bring in the new and literally just be left hanging because they made a few extra dollars on a deal. 

I don't mind them making money, the problem is pulling the credit, telling us we were approved and then blame it on " you weren't approved '' all the while cars were listed on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase is refusing and not honoring the sign up bonus of 150,000 points. I am suppose to get : 125,000 after spending {$3000.00} in the first three months, then an additional 25,000 points after spending {$5000.00} in the first six months. On XX/XX/2022 I received my Chase Marriott Bonvoy Credit Card. Chase had this promotion referenced above however while waiting for my points to post I noticed that Chase has me registered with the incorrect sign up bonus ; instead they gave me three 50K point vouchers for hotel stays. On XX/XX/2022 more or less I reported this immediately to customer service and they told me they will submit a claim to the promotion department to have this corrected. Today XX/XX/2022 I received correspondence from Chase that I am not eligible for the bonus offer. This is a major oversight with Chase. I have reached out to them numerous times to review and discuss this matter and all the representatives I speak to are all in agreement with me and have taken initiative to report this discrepancy to the responsible department, however they are not assisting or correcting this matter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/2022, I received a mailing from CITIBANK. It advertised that by opening a new CITI Miles Ahead Savings Account, I can earn AAdvantage bonus miles. The miles would be added to my CITI American Airlines Advantage Mastercard. The mailing clearly states that all I need to do is open the account, deposit {$50000.00} and maintain it for 60 days, and then wait 90 days for 40,000 miles to appear. Please look at the attached mailing. So on XX/XX/2022 I deposited {$50000.00} into a new Citi Miles Ahead Savings Account. Today is XX/XX/2022. The {$50000.00} is still on deposit. I've called CITIBANK 6 times over the last 3 weeks. When I ask how soon the miles will get credited, I get a different answer every time. The last time I called, I was told that they couldn't locate a promotion code attached to that account. So I mailed a copy of the actual literature to CITIBANK, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, along with a cover letter. Still waiting for a response.

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