vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-21 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: IL

Complaint narrative:
I contacted Equifax and explained that I have a chapter XXXX bankruptcy that was discharged XX/XX/2018. All debt on my credit report was included in the bankruptcy. I provide proof of case number XXXX. Equifax responded that there was no bankruptcy and the company says this {$200.00} bill with XXXX and XXXX is not included with a bankruptcy chapter XXXX. Not to mention when I call the customer service rep is refusing to transfer the call to a manager and stating to me several times, " I am trained to assist you with this matter. I also advised them that a company called XXXX XXXX  which is a  buy here pay here the company is reporting inaccurate information on my account. I have been making payments biweekly on the account, and they have forwarded me my payment history and Equifax is saying that they can't do anything they only report. I asked well what about protecting my rights. Equifax customer service is rude, and I recommend them to retrain or hire new people that can assist their customer. I requested them to remove XXXX XXXX off my credit report and XXXX XXXX XXXX, and all I am getting is people who are not speaking English well and taunting me and not removing this information from my report. I was unable to speak with a manager, and I was transferred to 3 supervisors who kept saying call back in 30 minutes to an hour because our systems are down and then I was told after the fourth time call back are system is updating. Equifax has had a data breach, and I don't trust this company. XXXX public schools have warned me of there data breach, so I do not trust how they do business especially since they let their customer service dispute center treat their customers anyway.I had two disputes and one was a reinvestigation which lets you know they are not doing their job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I receive a cash back offer from synchrony mastercard In XX/XX/2018. " Get {$100.00} cash back when you activate then spend {$250.00} on your Synchrony Mastercard between XX/XX/XXXX - XX/XX/2018 '' Cash back in the form of a statement credit. I spent well over {$1000.00} using the card during the period noted ( all paid up to date ). I have communicated with a representative on at least 3 occasions XX/XX/XXXX, XX/XX/XXXX and  XX/XX/XXXX. During each of the conversations I was told they had issues on their end and would need two more billing cycles before I would see the {$100.00} reward. Its now XX/XX/2018 and they still have not released the reward credit. I need help!

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 2018-11-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: OH

Complaint narrative:
XX/XX/2018 - 5 accounts through XXXX XXXX open. 4 at 6.8 %, 1 at 3.4 %. Refinanced at 4.49 % through XXXX serviced. 

XX/XX/2018 : checks for each account to close were instead bundled and fairshared. Now have 5 accounts with XXXX ( for smaller amount ) and 1 with XXXX XXXX. Making weekly payments XX/XX/2018 : caught error and called. Spoke with all 3 institutions to correct error check-by-check in conference call. Was told it would take 2 weeks XX/XX/2018 : nothing changed. Went ahead and paid off 1 loan ( {$300.00} ). By the following Monday, I had credits in 3 accounts at 6.8, a higher balancein 3.4, and over XXXX in one 6.8. Should have been under {$3000.00} total. Have spoken 11 times with the organization since and it is still incorrect. 

XX/XX/2018 : had spoken with an individual that they are issuing a credit to common bond and I would receive a credit for XXXX to the 3.4 account, making the balance XXXX. This was correct. Now have 4 accouns open again with credits and 1 account at XXXX. 

I have repeatedly tried to escalate throughout this process. I spoke with a tier 3 who has an extension. He has yet to return a call. Another escalation escalated to their supervisor who would not come to the phone and provided a 2 day business day turnaround. I received no call. My credit has since dropped 4 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; On XX/XX/2018. While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XX/XX/XXXX. The vehicle purchased in XXXX, according to GM Financial, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX  always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifax has a lock on my credit file that I did not put on, they also for some reason do not have my birth date on file or my current address. I just purchased a house last year and had no problem getting my credit report and now I can't get my report and My wife has XXXX and I need to refinance my house to help pay bills and equifax is holding me up. They gave me a fax number to fax information to them on Monday and the number was not working, I called them back and they told me they only have ONE fax machine for all of Equifax. I need my credit report and they are no help. I spoke with a supervisor named XXXX and she told me to have the credit file run with my old address but XXXX XXXX   could not do that due to underwriting thinking I don't live at my current address. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX it was reported that an late payment occurred on my XXXX XXXX account from XX/XX/XXXX. I called XXXX XXXX  and was advised to reach out to all three ( 3 ) credit bureaus Transunion, XXXX and XXXX. After reaching out to the credit bureaus, asking them to investigate I would only receive auto generated response stating my account was updated. No investigation was performed, no validation of my account being past due NOTHING. Just auto generated response. Attached is my bank statement, reflecting payment being made through XXXX XXXX on XX/XX/XXXX in the amount of {$430.00}. My due date was the XXXX of each month occurring late charges after the XXXX. Account past 30 days would be AFTER the XXXX of the following month. My payment was submitted On time with XXXX XXXX through their 3rd party collection by phone on the XX/XX/XXXX. Please see my attached bank statement.

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 2018-11-21 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
According to section 609 of the Fair Credit Reporting Act ALL information that is reported to credit reporting agencies must be 100 % ACCURATE. Inaccurate and incorrect information has been reported. 
An incomplete account number is posted. 
There are missing fields of monthly data from XX/XX/XXXX, XXXX of the balance, scheduled payments, past due and remarks. 
Incorrect date of last payment differs the summary states XX/XX/XXXX, the last payment was made XX/XX/XXXX. 
Late payments fees was applied to the account after the account was closed. 

I sent a notice of dispute on XX/XX/XXXX via certified mail, company received a letter of disputed on XX/XX/XXXX, I then sent another XX/XX/XXXX asking them to delete this account off of the Credit Report for inaccurate information and failure to provide me with viable evidence bearing my signature. I still had not heard anything in response to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MD

Complaint narrative:
On XX/XX/2018, it was brought to my attention that someone had committed a fraudulent act on my identity. I received a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX, where I have been informed that I have a {$520.00} delinquent debt. I called and inquired with this collection agency the reason for the debt. They told me that the delinquent account had originated from XXXX XXXX for a bed mattress that been purchased from XXXX XXXX, a company out of XXXX, Maryland. 

I explained to the collection agency, that I had never heard or purchased anything from this company. Additionally, I informed them that I had never received a bill advising me of the outstanding debt. I then contacted XXXX XXXX XXXX representative and they spoke with the manager concerning who opened an account with my data. They explained to me that for someone to be eligible for a leasing contract of the approval purchases any mattress ; the customer only required they provide two forms of identification. I am assuming that a person who used my identity was able to get a leasing contract approved fraudulently with XXXX company. 

I would like to file a complaint and request action to have this matter resolved. I am not responsible for the debt that was made and am willing to go to trial to show that I am not the person who opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: U.S. BANCORP
State: TN

Complaint narrative:
Around XX/XX/2018, I disputed 3 charges of {$250.00} from XXXX XXXX XXXX. I cancelled this warranty on around XX/XX/2018 when I put a claim in and they denied it I probably should filed with CFPB on this about them but didn't. I told them to cancel and on around XX/XX/XXXX, I disputed the charges with my credit card. when XXXX refused to refund all my money. They charged me {$750.00} for a {$500.00} warranty. They refunded me {$250.00} but I'm still waiting on the rest. US Bank claim numbers XXXX XXXX and XXXX XXXX. On XX/XX/XXXX, US Bank requested more information. I sent them all the information including emails I had with this company and contracts. on XX/XX/2018 by Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX it arrived at XXXX. On XX/XX/XXXX, US Bank reversed the provisional credits. Sent me 2 letters dated XX/XX/XXXX. and arrived here onXX/XX/XXXX. They say in the letter they didn't receive the additional information in time. It wasn't even 30 days. I have federal logs showing my location date and times that show I have not been home to respond to any of this as quick as they want. Request your assistance in getting my {$500.00} credited back to my credit card.

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 2018-11-21 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: MD

Complaint narrative:
I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; On XX/XX/2018.

While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  location around XXXX XXXX in the afternoon. I notified the salesman of this error and he ask the Manger,  XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue.

Second complaint with XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX  and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this.

Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.

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 2018-11-21 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: MD

Complaint narrative:
I am writing about the bad experience I had at the XXXX XXXX XXXX  Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the Federal government and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21 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: MD

Complaint narrative:
I am writing about the bad experience I had at the XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX ; On XX/XX/2018. 


While at work, I received a credit monitoring alert that my credit was ran at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX location around XXXX XXXX XXXX XXXX XXXX. I notified the salesman of this error and he ask the Manger, XXXX if this was done. She said yes, and they would correct it. However, I would have not known of this egregious error if I have not been alerted. I call the dealership requesting an at fault letter : XXXX, dealership manager on duty said that one would be sent, but never received. That was on XX/XX/2018. Thats really concerning. She violated the Federal Fair Credit  Report Act, by running my credit without my permission. They were very unconcerned with trying to correct this very important and urgent issue. 

Second complaint with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. My wife and I purchased two vehicles, one in XXXX and the other in XXXX. The vehicle purchased in XXXX, according to XXXX XXXX, they never received the payoff from XXXX. Because of this, my wife and I credit have been affected. Were both employees of the XXXX XXXX  and maintaining good credit is a must due to our security clearances. We have worked with a different manager at the dealership, which has been more helpful than the last. My wife and I are seeking punitive damages for these reprehensible acts. I have buyer remorse. This has taken a lot out of my already busy schedule to address this. 


Since we were recommended by a friend who said that XXXX XXXX XXXX always had a good reputation, thought youd like to know you just lost a potential customer because of these poor business practices.

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 2018-11-21 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/2018 I found a collection agency statement on my credit report. I had never been contacted by the collection agency ( XXXX XXXX XXXX ) nor by the original billing agency ( XXXX XXXX XXXX ). I contacted the collection agency and immediately paid the bill in full. I contacted XXXX XXXX XXXX  and they acknowledged that the billing had " slipped through the cracks '' and that this happens with some regularity. The account number ends in XXXX and the date of delinquency is XX/XX/2018. 
I contacted EquiFax and informed them that of the facts. They simply replied that it went to collections and is therefore reportable. 
This is a medical bill which was never sent to me, and is therefore not reportable. It was also immediately paid and by the law is also not reportable. 
This has negatively impacted my credit score and I want it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21 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: IN

Complaint narrative:
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, Experian & XXXX  ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of Experian dispute results from 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