vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-08 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had used my American Express credit card to purchase airline tickets in the amount of {$2000.00} on XXXX XXXX  for travel to XXXX in XXXX this year. In XXXX, when Covid-19 hit, the airline canceled all its US flights including mine. When I requested a refund from the airline, they refused saying that my ticket was a non-refundable one and that they can only give me a travel voucher but not a refund. However, U.S. law and Department of Transportation rules clearly state that all airlines have an obligation to refund passengers for flights canceled by the airline, regardless of any fare rules or whether the ticket was refundable or non-refundable. Airlines can offer travel vouchers only if the passenger chooses to accept them ; otherwise the airlines have an obligation to provide a refund. 
So when XXXX refused to refund me in accordance with the law, I went to my credit card company, American Express, to dispute and refund this charge. This was in XXXX. In XXXX, after almost 5 months, I was surprised to receive a letter from American Express in which they summarily rejected my claim and closed the dispute in the airline 's favor, without any real investigation or substantive reason. The reason they provided me : the merchant ( XXXX XXXX ) states that the services are non-refundable. They did not consider that this is an invalid reason since it was the airline, and not I, who canceled the flight due to Covid-19 suspensions and that U.S. law was clear on this topic. Having been an American Express customer for almost 20 years, I was shocked at their dismissive response. If American Express can not provide me justice in accordance with the law, then what good is the dispute resolution or any other consumer protection offered by their card? 
I believe American Express is derelict in its duties by siding with the merchant and forcing me to pay in the face of clearly established U.S. law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.

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 2020-09-08 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: CA

Complaint narrative:
I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.

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 2020-09-08 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: CA

Complaint narrative:
I settled my two XXXX XXXX credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.

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 2020-09-08 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: FL

Complaint narrative:
XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2020-09-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, XXXXXXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent outsourcing reported collection supposedly from XXXX on my credit report for the amount of {$2200.00} ... I contacted the collector who stated they " just '' purchased this debt from XXXX with whom I never had service with .... but after requesting validation for debt from convergent purchase date stated on their statement from XXXX showed XX/XX/2016 I contacted XXXX who had NO information to provide and NO accounts under my social. Again, convergent harassed me with calls to my cell work and my parents where I just agreed to pay the settlemetn amount just to make them go away and they agreed to delete this erroneous collection from my report. Now 2 months after I paid what I didn't owe in first place and never received a collection letter from convergent they are STILL reporting this on my report and bureaus are stating they " validated '' this collection so they will not remove ... please help this is unlawful ...

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 2020-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My mother and I have a safety deposit box in both of our names. I discovered this when she passed away on XX/XX/XXXX. I looked everywhere but was unable to find a key to the box. I want to open the box to see what is inside as well as close it afterwards permanently. I have discussed this box in four different face-to-face meetings with the Bank of America on XX/XX/XXXX, XXXX and XXXX XXXX. At each meeting I have stated that I would like to have the box opened and I will pay for the drilling. I was told the drilling would cost {$150.00} which I am willing to pay. At the conclusion of the second and third meetings I was told that the bank would look into drilling and get back with me. I waited several days and no word was received. At the last meeting on XXXX XXXX I again asked when the drilling would take place and this time I was told I would most certainly not be able to get into my box this year! Asking why I was told that because there was no key the bank was not willing to have other customers wait for access to their boxes by waiting to have my box drilled taking up to what they said would be an hour. I then told the assistant vice-president of the branch ( the person I have been meeting with ) that seemed totally unacceptable, inflexible, and keeping my property from me seems illegal. I am considering getting a lawyer, but that would cost me money. I have XXXX XXXX and having this type of stress on me is something I do not wish. Please help. I really don't know what to do. I was told by my tax preparer that I needed to see what was in that box because it may be if it goes on to the next year a special tax person would have to be hired ( and they are expensive ) to do taxes on my mother in a different year after her death.

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 2020-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX allowed Midland Credit Management to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. Midland Credit Management closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was booking a trip on XXXXXXXX on XX/XX/2020 and saw a banner advertisement for a XXXX XXXX Mastercard through Barclays, offering XXXX reward points, {$100.00} credit, and 0 % apr for the first year. When I clicked on the advertisement, it took me directly to the application page for the card, I went off what I saw on the banner as there was no landing page describing the terms of the card. The main reason I wanted to get the card was because of the 0 % apr for a year. 

I used the card to book the trip, received the XXXX reward points, and {$100.00} credit. For my first bill, to my surprise there is an interest fee, which I called Barclays about, and they waived it. They told me to check the terms of the card, which I saved the copy that was mailed, and in it, it states that I have 0 % interest for 12 billing cycles for balance transfers. I asked them, why would I get a card for a trip  that I'm booking for a balance transfer? That makes no sense. 

When I signed up for the card the banner advertisement said 0 % apr, which I thought was for purchases, I had no concerns or needs for a balance transfer when I'm booking a trip. They now have a landing page for the XXXX card that states the 0 % is only for balance transfers. This was not there at the time I signed up for the card. The banner advertisement I used to decide to sign up for the card was totally misleading as it did not state the 0 % apr was only for balance transfers, and that is why I am filing this complaint.

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 2020-09-08 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: TN

Complaint narrative:
I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX   has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX XXXX  are two of the four that have been blocked.

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 2020-09-08 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: TN

Complaint narrative:
I have submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy Equifax has been blocking my account so that my recent credit cards can not report. XXXX Bank and XXXX XXXX banks are two of the four that  have been blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I obtained a mortgage payoff for a refinance. I bought the home for {$59000.00} in XXXX. In XX/XX/XXXX I owed {$50000.00} on the mortgage. When the payoff arrived, it was inflated to {$64000.00}. Wells Fargo claimed this was for escrow. I have records where the payments were applied to escrow. So it's not possible that I owe {$64000.00} when the loan balance is {$50000.00}

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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I have my credit monitored. Whenever there are any changes, I receive email notifications. On XX/XX/2020, I received emails from both my XXXX  Credit monitoring and my XXXX  monitoring that a debt collector, I. C. System , Inc., flagged by credit report. I had never received any notification that a debt was attempted to be collected by any company. I didn't even have a reference number. I only had the name of the debt company trying to collect money owed because of my credit monitoring service. I immediately called I. C. System, Inc. and able to verify that its XXXX that wants to collect a payment of {$82.00} dollars. I ask the Debt collector why I had not received ANY notification of a debt owed. The customer service representative told me that they had the wrong apartment number so their letters were " kicked back '' to the company. Therefore, she acknowledged that I received no notification. I asked why they had not called me to verify my address or to inform me of the debt owed and they said that the Company did call my cell phone on XX/XX/2020. However, the company did not leave a voicemail. Also, I have no record of a phone call being received. The company did not have any record of trying to call me after XX/XX/2020. Therefore, the company did not notify me of my debt prior to reporting it and wreaking havoc on my credit report. Instead, the Company waited 90 days after having the account to flag my credit. Now, my credit has been compromised and my high score ruined because of an administrative error due to the company. I do not see how it's fair for a debt collector 's administrative error of trying to collect {$82.00} dollars results in years of hard work undone. I paid the debt immediately. The debt could have been easily settled in XXXX and there would have been no reporting on my credit if the Agency had officially notified me of the debt owed. It appears that the company purposefully waited to report it to credit reporting company so I would call them. The confirmation of payment is XXXX and the Reference number of the debt is 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 2020-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
When I was applying for a home loan it was brought to my attention that I had a new collection in the amount of {$1000.00} - original creditor was XXXX XXXX XXXX. I had not received any information from XXXX XXXX in regards to a balance owed. I also did not receive any notice from M Leonard & Associates. I contacted XXXX XXXX and they agreed to remove the account from collection upon payment of {$500.00} which I will be paying today. They also told me that I would need to contact the Collection company at XXXX which is the number my Loan Officer provided me from the credit report. I tried calling several times and the number rings busy or out of service.

Company response to consumer: Closed with explanation