vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late to my account that I should not have. My mortgage account was transferred over from XXXX and I was not informed of this, I did not receive any kind of letter or notification about the transfer of my account. I did try to make payments to them however they were declined and they would not accept it. I tried to pay my account on time and this late is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an email from American Express informing me that my card has been permanently closed for unknown reasons. The email, dated XX/XX/2020 stated that I violated section : 22D ( see email pasted below ). I have not used this card. The only thing that is auto payed through this card is my XXXX account. When I called AMEX the representative simply read my email back to me, but couldn't tell me what section : 22D was or how it was violated. Every single number I dialed for customer service dropped me off to a brainless automated system. I never got a live person to speak with the get some answers. If this is the way AMEX handles their business, I'm better off without them. I feel for the other unsuspecting fools out there that they are abusing. 

Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 
If you have any questions, please call Account Protection Services at XXXX. 
Thanks, The Bluebird Team Please reply back to my email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, Ditech, LLC made a flood insurance payment of {$3000.00} to a cancelled flood insurance policy ( " XXXX '' ). On XX/XX/XXXX, Ditech, LLC made a flood insurance payment to my current flood insurer for {$1300.00}. On XX/XX/XXXX, XXXX sent Ditech, LLC a refund check for XXXX. TO DATE, this refund check of {$3000.00} HAS NOT been credited to my escrow account. 

My insurance agent and I have REPEATEDLY tried to get Ditech to correct its error. On XX/XX/XXXX, Ditech claimed the refund would be credited in 7-10 business days. I have made several subsequent calls. To date, the monies have not been credited. On XX/XX/XXXX, Ditech transferred the mortgage to another servicer, XXXX XXXX. The escrow information Ditech sent them was incorrect. 

You will see from viewing the attachments that it is clear Ditech made the flood insurance payment, received a refund of the flood payment from XXXX and did not credit it. This is a great deal of money that I NEED. Please assist me in getting them to do their jobs properly and properly credit my escrow account. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding LLC # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of 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 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX FAILED TO PROCESS INSURANCE FROM ACCOUNT XXXX  AND A BENEFIT CLAIM FROM XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of 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 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
In XX/XX/2018 I filed a complaint with the department of Insurance of the State of Kansas against XXXX XXXX for not resolving a claim. 

Shortly after filing a claim with the DOI of Kansas we were hit with a phantom bill for {$6300.00}. We were never given notification for what the bill was and the amount was taken from our checking account. I forced XXXX XXXX to return the money and disputed that we owed them anything. 

I believe this was a tactic to get us to stop being a customer of XXXX XXXX by creating phantom charges because of the claim that was filed against them. 

When talking to a XXXX XXXX rep about these charges we were told they were due to an agent under reporting our employees payroll. When we looked at what our estimate was versus our actual amount paid was they were almost identical. 

We believe this was due to an error from the Insurance broker. 

This phantom debt was now passed on to Caine and Weiner a law firm that is trying to collect on this debt listed under the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/2020, PayPal/Bill Me Later showed up on my credit report and I did NOT apply for any credit cards through them. I called three ( 3 ) times, and all representatives were extremely disrespectful and refused to help me. Even the manager hung up the phone and told me I had the wrong number, when the number I called is listed on their website. I believe there is fraudulent activity taking place with this company, and I spoke with XXXX at XXXX XXXX. today and was told that PayPal has to issue me a letter of deletion. The PayPal number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When i was in vacation ( XX/XX/2019 to XX/XX/2019 in XXXX ), unauthorized transactions ( Cash withdrawal ) happened three times in XX/XX/2019 amount {$200.00}, XX/XX/2019 amount {$200.00} and XX/XX/2019 amount {$200.00} ( total {$600.00} ). I reported and filed case six times, but the Bank has been denied my case every single times without any specific reasons even i send them my personal statement and supporting documents. Bank is not helping me at all even i went branch. I would like to compliant and start investigate with CFBC. Hope i will get my justice.

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 2020-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
This is the second time Santander has reported a late payment incorrectly. The first time around, they completely ignored my request for a correction of reporting. I had to go through a credit repair company and pay to have the reporting corrected. Now after this debt has been paid off on XX/XX/2020, they report a delinquency on my credit on XX/XX/2020. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/XXXX I attempted to purchase XXXX XXXX through a website called XXXX. When attempting to check-out my payment would not go through. I tried two separate debit cards, and a credit card. None of which went through with a notice saying charges could not be complete. I was asked for all of my information, name, address, and card info. The total was just under {$150.00} including shipping. 

The next day I had a charge of {$130.00} to my debit checking account by a vendor of the name XXXX from Kentucky. The website I used the night before was marked for fraud all over blogs with similar experiences and the site was removed within the day no longer existing. I disputed the charge with seemingly no issues with Chase. This charge approved in my account on XX/XX/XXXX despite my instaneous reporting. I called Chase again, and this time the instant charge was reversed back into my account case had been opened. 

On XX/XX/XXXX my account was overdrawn with a re-reversal of the {$130.00}. I spoke to 6 different chase representatives before someone admitted that my address was sufficiently proven by this merchant, and that I had received services to my address on file, therefore case is closed without subject to re-opening. There was a tracking number issued to my name and address. I requested this proof they have on file, and am still waiting for this information. They said the bank can not do anything for me considering this is sufficient evidence that I used this merchants service, and because I have no proof of doing so or proving not doing so, it is no longer subject to dispute on the banks behalf, there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: DC

Complaint narrative:
Hello, I opened a XXXX XXXX XXXX credit card with American Express in XX/XX/2019. As a promotional offer for opening the account, American Express offered XXXX XXXX XXXX points after spending {$4000.00} within three months following the account opening date. This spending requirement was completed XX/XX/2019 in accordance with the terms and conditions outlined by American Express, and XXXX XXXX Points appeared on my XX/XX/2019 statement as points 'earned this period '. 

Neither the XXXX Points associated with the promotional bonus nor the points associated with the everyday spend have posted to my XXXX account. Attempts to resolve this issue with American Express have been unsuccessful. 

The XX/XX/XXXX statement that shows the XXXX points earned is attached. Please let me know if you require any additional information. I really appreciate your help. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I was told by XXXX that my mortage was denied because I have a credit score of XXXX. I was told this twice and then told I can look at my score on there website. It was a XXXX. I was told that it was denied because 5 mos ago my home equity payment was late after a male at XXXX told me in XXXX that my loan had already been paid for that month. I need clear information on my credit score and when my payments are due. 

Also I have been trying to correct an XXXX payment for a long time now and they will not work with me. I made an order and put it on my debit card. Several months later I got a statement from Chase card services saying my payment was late. Now they are charging me double the order. I am upset they put it on a chase credit card I never used so they can charge up fines instead of taking it out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had a business credit card with American Express. My business experienced some financial hardship and struggled to make the minimum payment for 4 months. I experienced extremely aggressive calls, and I'm not clear whether they from American Express or a debt collector, but I had to block communications because the callers either could not or would not discuss my business ' recovery plan and a new payment plan. I continued paying the card even though I could not always make the minimum. 

I'm happy to say the business started to recover. Because I had to block phone and email communications from American Express and companies representing them to avoid harassment, I sent communications to American Express by letter starting in XX/XX/2019 to attempt to resolve the account. 

American Express then put the business card on my personal credit report with a negative status. In XXXX I was served papers by XXXX XXXX XXXX filing a lawsuit against me personally, and it was filled with incorrect information including an incorrect balance. To me, this is escalated harassment. 

I contacted XXXX and negotiated settling the account. I specifically requested removing the business credit card account from my personal credit report. My business completed payment swiftly, by XX/XX/2019, but American Express still has not removed the account from my personal credit report. American Express incorrectly reports the account as settled in XX/XX/2019 and has changed the status to be even more negative. It has been 4 months and the negative report has devastated my credit score. 

I have tried to resolve this both by filing disputes with the credit bureaus and by sending letters directly to American Express ( both to the company 's credit bureau department and the company 's headquarters ). I keep receiving obtuse replies that the account status is updated with the credit bureaus. ( The account shouldn't be listed with the personal credit bureaus at all, that is the problem. ) I don't receive any direct responses to my specific request to meet the terms of our settlement and remove this business account from my personal credit report. 

I acted responsibly in my business and my thanks is a personal credit score that will not recover for 7 years, causing significant personal financial hardship. 

All of the letters I sent to American Express and other details are available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc.
State: NY

Complaint narrative:
In early XXXX, we reviewed lenders for a student loan refinancing. At that time, we spoke to a Sofi customer service agent who brought to our attention that Sofi offers competitive rate matching and did not include any caveats - just that you need the offer from the competitive bank and can submit for Sofi to match. 

On XX/XX/XXXX, we decided we'd like to move forward with Sofi, but their offer was 36 bps higher than the best competitive offer. Again, I spoke to a Sofi customer service agent, this time on their chat service, and he confirmed they offered rate match. He even walked me through the process of where to upload the competitive offer document. At NO point, did either agent state that Sofi still had to review the rate and evaluate IF they would mate. Just that they matched. 

Based on the agent 's information, we decided to place our formal application with Sofi and included a hard pull on my husband 's bureau, impacting his credit score. 

After the submission, we were told that Sofi would not honor the competitive rate as a new policy launched in early XXXX no longer allowed them to go below their lowest offered rate. This meant that they in fact did not rate match in our situation. 

I proceeded to call in and explain how this was misleading marketing and at no point, did the service agent explain this. In fact, they lead me to believe the competitor rate would be honored no problem. This feels 100 % as a bait & switch and predatory lending. 

If we had been told the company 's actual policy, we would not have submitted an application with Sofi and all would be ok. Instead, the company will not honor our conversation with their agents and after further review, has turned down our rate match. 

This is exactly what I believe the CFPB is here to help consumers with since they companies are more powerful than an individual person and I have no leverage to hold them accountable for this misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
HIPAA Violation : I did not give authorization, written or verbally to have my PHI shared with anyone. QUALITY ASSET RECOVERY needs to provide a copy of written authorization that releases my PHI to them. If an electronic transfer was conducted then they need to provide a description of how they recieved my ePHI to show their compliance with the HIPAA SECURITY RULE, specifically the HITECH ACT of 2009. Also, they need to provide a copy of their BUSINESS ASSOCIATES AGREEMENT ( BAA ) outlining their responsibilities to the covered entity pertaining to 45CFR 164.504 ( e ). QUALITY ASSET RECOVERY needs to prove the accuracy of the amount alleged to be owed by providing a full accounting in accordance with G.A.A.P. 
I have also submitted an Affidavit to QUALITY ASSET RECOVERY outlining these same points. ALL correspondence is to be considered evidentiary.

Alleged account XXXX**** my report does not provide a full acct # Alleged amount owed {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Check Resolution Inc.
State: IN

Complaint narrative:
XXXX Sold my debt to someone else and now they are calling my ex boyfriend that he is part of the debt that they are going to do an investigation process. The name of the company is national check resolution. 
This debt is from my business. They should stop calling anybody. 

Thank you!

Company response to consumer: Closed with explanation