vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 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: MS

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

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 non-monetary relief
Consumer complaint received 2023-03-27 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: MS

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I have a fraudulent debt from Helvey & Associates for {$210.00} placed on XX/XX/ that I was just made aware of as it caused a XXXX  point credit score drop. It stems from XXXX XXXX whom Ive had no debt with. I am completely on time with their payments and have not been contacted by XXXX for anything, nor is there any record of an outstanding balance that went unpaid. I have also not be contacted by Helvey & Associates. This debt is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NY

Complaint narrative:
I have reached out to American Express over 50 times about this matter and each time American Express has promised to correct their error and post my missing 140,000 points from an upgrade offer to their platinum card. It has been since XX/XX/2023 that American Express has been expressly promising to correct their technical issue and issue the points to me manually. They have promised it over a dozen times in writing over their chat feature. 

After their agents are improperly trained and escalations to managers fail, because managers fail to perform their tasks, I have filed a complaint with consumer protection buerau. American Express has promised to correct over 1 month ago. I have since reached out to their customer service over chat and again they are telling me that my points are coming and they are working on resolving. American Express terms and conditions stated 8-12 weeks at the maximum, and it has now been nearly 180 days, or 25 weeks. It seems that American Express has very poor internal processes so when a technical issue has caused the error and affected my account and failed to credit my account with 140,000 points, the employees and senior managers at American Express are either unable to execute due to poor training or they are purely negligent. 

Please escalate to higher levels as this is ridiculous. Please put pressure on American Express to deliver their end of the terms, which are no significantly outside of their terms and conditions. If Amex continues to fail to correct this, I will be looking to take further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I have two issues with a recent escrow analysis on my account that is causing my monthly payment to go up by {$800.00}. 

1. I requested that recent overage check ( issued XX/XX/23 ) be cancelled. I have not cashed this check and mailed in a response four weeks ago requesting that the check be cancelled and be refunded to my escrow account. I have received no action or response to my request. 

2. I have called the tax department of Freedom over four times in the past week and no one answers the phone. I requested call backs, but have not received a call back. The most recent ( XX/XX/23 ) escrow analysis says I make semi-annual payments of {$4700.00}. However, I make an annual payment of {$4700.00} for my taxes. This makes it seem as if I owe more in taxes than I do. 

This is urgent as I can not afford an additional {$800.00} per month in my mortgage.

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 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a complaint, wrong and false information because identity Theft, for Personal Identification stolen to Public Name and Person. 

Wrong Dispute, Never had Credit Card or Any Loans in any matter. everything paid with cash sells. particulary wholesale.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have a mortgage with US Bank. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from US Bank Home mortgage on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX  this morning and they told me that they can see the mortgage but it is suppressed by the lender 's 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 2023-03-27 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: FL

Complaint narrative:
This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. 

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 non-monetary relief
Consumer complaint received 2023-03-27 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:
This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX credit bureaus.

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 2023-03-27 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:
This account is paid in full the balance is {$0.00}. It should be reflecting on ALL XXXX credit bureaus.

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 2023-03-27 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: Velocity Portfolio Group
State: FL

Complaint narrative:
A cease and desist letter was mailed over to the CKS PRIME INVESTMENTS in which the recipient signed for on XX/XX/XXXX. I have yet to hear or see any changes occur on behalf of the company.

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 2023-03-27 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a couch from XXXX XXXX for {$3400.00}, and used my Discover Card. The couch was supposed to be delivered in XXXX weeks, which should have arrived between XXXX ( confirmation attached ) On XX/XX/XXXX, I received an email from the former CEO, XXXX XXXX, apologizing for the delay and changing my delivery date to XX/XX/XXXX. There was a link at the bottom of the email to fill out a form to cancel your order, but it was a simple XXXX XXXX  and I did not receive a confirmation/receipt for completing the form and no response after completing the form ( email attached ). 

On XX/XX/XXXX, I called Discover to dispute the transaction stating that the company was entering bankruptcy and that I had not received my couch and that it was beyond the original delivery time frame. 

On XX/XX/XXXX, XXXX XXXX avoided bankruptcy and entered an XXXX. Sold parts of the company to XXXX, but did not sell the past orders. ( News Story Attached ) Over the course of XXXX and XXXX there was a website, XXXX, to check the status of orders. Which finally ended with " CAN NOT BE PRODUCED '' ( All status updates attached ) I contacted Discover Card multiple times over the course of the two months and was asked to provide multiple forms of documentation to prove my case. I provided the proof of purchase, all status updates, the communication about the XXXX process, confirmation that my order would not be produced ( attached response letter from Discover showing all phone calls placed ). 

On XX/XX/XXXX I received notice from Discover that my dispute was settled in favor of the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter from XXXX, stating that effective XX/XX/XXXX Mr. Cooper will become my new Mortgage Server. Mr. Cooper was my mortgage server until XX/XX/XXXX. During that time frame, less than a year, I received over 100 letters from Mr. Cooper, harassing me to buy a new home, modify, or refinance. I called Mr. Cooper several times demanding that this company stop harassing me, because, I was not interested in buying, modifying, or refinancing. Often times, while speaking with customer service over the phone, regarding the harassment, I received XXXXXXXX XXXX and XXXXXXXX XXXX and I could hear, demeaning comments in the back ground. Even after I stated numerous times to stop harassing me about modifying, refinancing or buying a new home, Mr. Cooper repeatedly sent mail. In XXXX, I received some fraudulent documents in the mail claiming that in XXXX, Mr. Cooper own my loan. This is a Lie. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. The fraudulent documents had been whited out, blacked out, and my name and signature had been copied and pasted, even forged to these fraudulent documents. Mr. Cooper has continually, violated my civil rights. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. I had no dealings with Mr. Cooper in XXXX. And I have the documentation. Material that provides official information as my evidence, and my record. I have never done a home modification. These documents involving Mr. Cooper, were done with the intent to deceive, which is criminal deception. Mr. Cooper has violated my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
They never collected any correct information. 
All information is inaccurate at the time of being placed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Hello! I have never missed any payment for anything in my entire life. Due to an error of Navy Federal Credit Union, my credit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from Navy Federal Credit Union that has significantly impacted my otherwise perfect credit.

I opened a Navy Federal Credit Union Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. Navy Federal said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from Navy Federal Credit Union over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted Navy Federal and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more.

People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for Navy Federal Credit Union 's poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: DISCOVER BANK
State: KS

Complaint narrative:
I wrote a letter to the discover corporation informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XX/XX/ I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law FTCvsXXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a mortgage with XXXX XXXX. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from XXXX XXXXXXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX  this morning and they told me that they can see the mortgage but it is suppressed by the lender 's request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc.
State: GA

Complaint narrative:
I have attempted to rectify this debt with this company by through written communication by letter sent certified return receipt. The initial letter was sent to Tri-State Adjustments after reviewing my credit report and finding this company listed with a collection on my credit report. I sent a letter demanding they verify debt on XX/XX/2023. At which time, the collection agency sent a one page itemized bill not inclusive of any of the verifications I requested. on XX/XX/2023 I sent a second written letter certified return receipt informing them that they were in violation of my the no surprises act and to delete this account from the credit report. this account has yet to be deleted. I am asking for your assistance in holding this collection company accountable and demand that this account be deleted from my credit report ( XXXX, XXXX, and XXXX ). Attached you will find the documentation of the above mentioned correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: MD

Complaint narrative:
On XX/XX/XXXX I was notified that I had a late payment with XXXX XXXX  when I contacted XXXX XXXX  they admitted that they made a mistake when they purchased XXXX XXXX  and that is all automatic payments did not migrate to their system. I was under the impression that my payments to XXXX  XXXX are being deducted from my XXXX account as it was in the past with XXXX that turned out to be not the case on XXXX different occasions I talked with XXXX XXXX representative and they all admitted that the XXXX had made an error in the reporting but they kept telling me that I have to file a credit dispute with the credit agencies which I did in the credit agencies came back all XXXX  of them that the information is correct and the debt was late they never took the time to investigate this simply just reaffirmed the debt on XX/XX/2023 I talk to XXXX XXXX XXXX and her supervisor at XXXX XXXX XXXX XXXX XXXX who also admitted that the XXXX had made an error but she said that she couldnt do anything about it it is now in the hands of the credit agencies. If the credit agencies are reporting false information that is extremely damaging to my reputation and my financial well-being they should be held accountable I would appreciate your help in this matter as my credit score dropped by XXXX points because of the credit agencies actions as well as XXXX XXXX actions

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