vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: MA

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX XXXX XXXX, the holder of my mortgage since XX/XX/XXXXincorrectly reported 4 late payments on my mortgage payment. The attached Trans Union credit report clearly shows that each month there were payments made in the equivalent or greater than the scheduled payment. Each month although payments were made XXXX XXXX reported and Trans Union posted 30 day late payments. This has had a financial impact on me personally due to the significant credit score impacts.

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 2019-05-15 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: CA

Complaint narrative:
I was on XXXX website looking up tickets for XXXX to XXXX and an American Express offer popped up that if I apply and get approved for the Delta Skymiles card, I would get {$250.00} credit towards my XXXX ticket purchase if made within 30 days of account opening, also get XXXX miles if {$3000.00} in purchases was made within 3 months of account opening. I applied and followed the instructions on the prompt and was approved immediately with a welcome letter. I was given a {$1000.00} temp credit to purchase my ticket then and given my account number to use. I got the card in the mail with {$20000.00} credit line and spent {$4000.00} in first month and paid it in full. I never got the {$250.00} Delta airlines credit or the XXXX bonus miles. When American express was contacted regarding issue via phone on XX/XX/19, I was informed that I wasn't eligible for the offer and they will investigate further. I never received any letter or indication on the prompts that I was not eligible for the offer, especially since they gave me the temporary card number and {$1000.00} to use for my XXXX XXXX purchase. On XX/XX/19, I contacted American Express again and they had completed their investigation and said the same thing again. They could not provide me with any proof that I was not eligible for this offer, then why approve me? My welcome letter indicated no such information of ineligibility, which should have been if the case was such so. This is false advertising and I was scammed into opening their card and paying a higher fee for an airline ticket thinking I was getting credit when I could have bought with another airline for half the price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
There is account on my report from XXXX for {$3100.00} I tried calling XXXX and was unable to resolve the issue. 
I had closed the account back in 2018 - all devices were returned back. The amount being collected from XXXX is not correct. 
I want this account removed from my credit report. 

This credit company has never intended to contact me or send me any mail about this. this just showed up on my report. I tried calling this office : DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Very unprofessional could not provide me any information. This is a scam I want this off my report Or I will be contacting other agencies and the business bureau and other official offices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: GA

Complaint narrative:
I went to my bank to see apply for a loan to purchase a home for my family and my mom. My banker told me that I did not qualify because of my credit. She gave me a copy of my report and I also went a pulled it myself and there are items on my credit that are not mine. Please remove from my credit XXXX XXXX. XXXX XXXX XXXX XXXX  system. XXXX. Ere. XXXX. XXXX XXXXt and XXXX XXXX. I have contacted the FTC and my local police. Im doing this on my own behalf.

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 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I realized just about a month ago when my credit report was pulled that I had a collection for a medical bill that was fully paid by my primary insurance. The collection was from XXXX XXXX Medical Center in New York and the claim was for {$200.00}. As soon as I was made aware of this outstanding bill I had, I contacted my primary health insurance company to see if they had knowledge of a claim that was submitted and if I owed any sort of deductible payment. It wasn't even 12 hours later when I was contacted incessantly by Statewide Credit Services out of XXXX XXXX New York. I tried to make a good faith effort to resolve this issue and was met with such abusive and demeaning responses when they did reply to my communication. The other half of the time they completely ignored me and offered nothing but ultimatums basically threatening to make my life miserable and turn this into a vendetta. I am not used to such business dealings with unethical treatment. This was just probably something that was coded wrong by a health care biller and it has turned into an issue that has been stressing me out to the point of exhaustion. I really wasn't aware that collections agencies were immune to a code of ethics or could outright make threats, and handle business with outright abusive personnel. I really am unsure how they have a rating with the XXXX if they treat everyone like this. I really can't handle the downright duplicity in their claims and treatment of my account. I am asking that the CFPB intervene on my behalf. 
Respectfully,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PRA has violated ALL RIGHTS!!! I WAS NOT GIVEN THE RIGHT TO DISPUTE AN ACCOUNT THAT CLEARLY DOES NOT BELONG ME. THE FACT THEY MAILED THIS SO CALLED LETTER TO AN ADDRESS THAT I DONT LIVE AT AND THEN CLAIM IT WASN'T RETURNED SO THEREFORE ITS BELONGS TO ME ITS A COMPLETE DISGRACE AND MOCKERY OF MY RIGHTS. HOW CAN THEY GET AWAY WITH THIS?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: IL

Complaint narrative:
I have contacted Experian in the past and explained that these accounts do not belong to me. I have completed a police report as well as I have attached FTC identity theft report number XXXX. The following accounts XXXX XXXX account XXXX, XXXX XXXX XXXX/XXXX acct XXXX   {$5000.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3100.00}, XXXX XXXX XXXX/XXXX {$4300.00}, XXXX XXXX XXXX/XXXX {$6700.00}, XXXX XXXX XXXX/XXXX acct XXXX {$3700.00}. I have never lived at these address XXXX XXXX XXXX XXXX XXXX, IL & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. There are also two inquries that are being listed that I have not given permission to access my credit report & I did not do this for XXXX/XXXX XXXX XXXX XX/XX/XXXX & XXXX/XXXX XXXX XXXX   XX/XX/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 2019-05-15 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:
the following account two ( XXXX XXXX XXXX accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has been calling my husband 's work non stop for the past couple of months. They started calling my mother-in-law now and leaving voicemails as well. The message left yesterday from them was from someone named " XXXX '' at Bank of America and he left the number XXXX-XXXX-XXXX to call. My husband has asked them to stop calling his employer, but they haven't quit.

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 2019-05-15 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:
the following account two ( XXXX XXXX ) accounts are reporting under my name, which are not mine, these are someone elses information reporting under my name, and could be an ID theft issue which i have been disputing with equifax who have not been helpful at all. please as a consumer i need you r help to have these inaccurate two loans removed from equifax credit reporting, appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian in previous complaint opened in XX/XX/19 ( # XXXX ) they wrote and I quote " Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. '' It has already passed over 30 days and I have not received any replies for them .They are a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

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 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
During this time I had my account, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XXXX as my husband is in the finance industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It is reaching the statute of limitations. I am hopeful that you are understanding that the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of five to recover and remove this account from all three report. 
I do not think this company is still in business

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 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In late XX/XX/XXXX I opened my checking account with USAA. In late XX/XX/XXXX I got married and applied to add my spouse to my account so that she can have Atm debit for my spouse to use. I had submitted document and my spouse inorder to apply get debit card. I submited my marriage licence and ID card. Yesterday my account got closed and debit card blocked and I since I have told usaa to return money to my employer because I don't want to deal with bad USAA customer service anymore. I used lots of money to fax documents not only to be told it's wrong document which USAA send me to have my wife fax it. I asked if I can close my account since I'm US citizen and have my money because I need to pay my bills ... I have been denied access my money..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 - 30 days late mark I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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:
We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval. 

XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
on 2nd week of XXXX I was contacted by a rep XXXX XXXX that had been designed to help me do a Loan Modification the 1st modification was completed but told by this rep that I had been denied but that I was approved for the Obama program with lower payments and lower rate. but that I had to start another trial payment to which I disagree bcs I thought it was not fair and I never asked why I was denied. I started the 2nd LOAN MODIFICATION and assure that as soon as my first trial payment was done I will received the doc which were never received & these payment were process thru XXXX and send to various rep, stated they were DITECH attorney & also asked to buy XXXX  gift card to complete my first XX/XX/XXXX payment. On XX/XX/XXXX I reachout to DITECH and reported what had happed to XXXX XXXX XXXX XXXX I was transfer to speak to a supervision named XXXX she stated that I needed to make a police report which and did and was told that I was going to be contact by one of her staffs or I will receive papers by mail and she also stated that my doc were denied because they were late which is was not true but I have done is follow up with no success. Yesterday I received a call from a rep XXXX XXXX stating that I need to make a payment for the escrow for {$730.00} but since my acct is not active I need to purchase and XXXX gift card and and he also told me that my account w/b transfer to XXXX XXXX XXXX bcs DITECH has file for bankruptcy as of this Monday. I stated that I did have faith in what was going on an I took his contact # but told him I call will him. Then I received a call yesterday from also a rep that initially when I called to confirmed if XXXX XXXX was a rep with DITECH he transfer me to him when I called in early XXXX to make sure it was not a scam. Yesterday he told me that if I was looking for XXXX XXXX that he had information about him and I stated I was not looking for no one, e called but he stated what would be his benefit if he gave me information about him & I stated nothing but he called me I did not called him and hand up. ( payment proof w/b provided upon request ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: Conn's, Inc.
State: TX

Complaint narrative:
This involves Conns XXXX account number XXXX XXXX Cash Option Equal Pay No Interest ( EPNI ) offer. 

I purchased furniture and electronics for my new home at the total cash option price of {$6800.00} with an expiration date of XX/XX/XXXX with the ability to pay in full within 30 days of expiration date which would be XXXX/XXXX. 
I called Conns at number above as stated in there letter attached on XX/XX/XXXX to get the accurate payoff prior to making the final payment. The representative told me that it could take up to 3 days to get the payoff and told me she would request it and try to call on XX/XX/XXXX to try to get it. I therefore called on XX/XX/XXXX and requested the accurate payoff once again. The rep told me it was {$930.00}. I informed her to make a note in the file that I needed to make sure this was accurate to ensure I do not get charged the interest on the credit by paying it off within the time period. She informed me the amount was accurate. The payment was made on XX/XX/XXXX for the amount given by the rep as the accurate payoff. I called the following week to verify and was told I did not meet the terms of the agreement because the rep I spoke to failed to include a XXXX administrative fee to the total she provided me. I told the rep that they could review the notes as I specifically wanted to ensure the amount was accurate. The rep I called regarding my complaint did see my notes requesting that she add my concern that this needs to be the accurate amount and he agreed she did document that. I dont feel that Conns treated me fairly as their rep provided me the inaccurate payoff and due to their agents error the administrative fee was not added. I would have easily paid the {$100.00} administrative fee to avoid paying well over {$2.00} thousand in interest fees. I called on 2 different occasions trying to resolve this and was promised an email or call back from management and never received one. I would like this resolved fairly as I tried to comply with there terms and depended on their agent and requirements to call them directly for the accurate payoff.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
I had a debt with XXXX XXXX The amount owed is indispute based upon XXXX 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted XXXX amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I no longer have possession of car. Car was towed in 2008. The bank informs me that I can not close it because I owe them for the loan of the car. I wish to close my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: IL

Complaint narrative:
I contacted Transunion and told them that these accounts were not mine & I did not open them. I had no knowledge of these accounts, I have filed a police report & FTC identity theft report XXXX. I am asking to have these accounts off my report XXXX XXXX XXXX {$4.00}, XXXX, The XXXX XXXX XXXX {$650.00}, XXXX XXXX XXXX XXXX {$68.00}, Dept of Education/XXXX {$3700.00}, Dept of Education/XXXX {$4300.00}, Dept of Education/XXXX {$3100.00} Dept of Education/XXXX {$5000.00}, Dept of Ed/XXXX {$6700.00}. These inquires also do not belong to me from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived at the follow address as well 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 explanation