vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights : XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX  {$380.00} XXXX  XXXX {$630.00} XXXX {$910.00} XXXX  XXXX  XXXX  {$250.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  {$380.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX  XXXX  {$910.00} 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am an XXXX XXXX service member and have been since XXXX. For whatever reason when I opened my XXXX XXXX XXXX, specifically the XXXX XXXX and not the standard Platinum, American Express did not apply the Military Lending Act to that card. They have previously applied it to all other American Express cards with no problem, but for some reason did not do so when I opened this account. For the last two years I have tried several times to have them please apply the XXXX to my account with no success. Most of the attempts resulted in a response where American Express mistakenly attempted to apply the Servicemembers Credit Relief Act instead of the XXXX ( as I opened the account after entering XXXX XXXX this does not apply to me ), even when I specifically asked to be reviewed for the XXXX not the XXXX. The last XXXX attempts were successful in getting the account reviewed for XXXX eligibility, but I was then told that the XXXX database did not report I was eligible for XXXX coverage. As this confused me I logged into the XXXX database myself to check and found that I was in fact eligible for XXXX coverage according to the Department of Defense. I then proceeded to check the XXXX database to see if there was a clerical error there and found that I was also accurately reflected as being eligible for XXXX under that database as well. It was at this point I again attempted an XXXX account review with amex for my XXXX XXXX card, except this time I have not even been given a response. Can you please help me? I will attach my proof of eligibility that I received from both the XXXX and XXXX databases below. This is a dispute I have been attempting to put to rest for over two years now and would like it to be settled as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
American First Finance opened an account for someone else using my social security number but not my name. They would not provide me with any other information and now I am having to file police reports and complete affidavits for this. XXXX XXXX which handles credit for these " payday loans '' which I would never get, can not verify me so I now I have to send all this information through the mail. The fraud alert was found on XX/XX/22. I contacted American First Finance on XX/XX/22. I contact XXXX  on XX/XX/22.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The following accounts are inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX / XXXX / {$0.00} XXXX  XXXX  XXXX/ XXXX / {$840.00}

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: OH

Complaint narrative:
I have received several mailing notifications that started in XX/XX/2022 welcoming me to my new bank account with both XXXX XXXX XXXX  and Key Bank. I have also received debit cards to access the accounts. I did not sign up for either bank and I never gave these banking institutions my permission for an account to be opened in my name. I called Key Bank in the middle of XXXX and asked for information about who and how the account was opened. I was advised that the account was opened fraudulently and that it had been frozen due to suspicious activity. They explained someone tried to transfer {$2000.00} into the account. I was told I would need to come down to the bank to close the account. I have not yet been able to get to the bank to do this due to personal matters however I wanted to report the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: GA

Complaint narrative:
There's a late payment from XXXX from XXXX and and also over XXXX inquiries on my report that I don't have any knowledge of ..I 've reached out over a month ago but no response however... I don't comply to using XXXX XXXX at all .... this is the true meaning of malpractice and slander I've been unable to do anything financially please remove this from my account asap

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXX  / XXXX / {$850.00}

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 non-monetary relief
Consumer complaint received 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 



XXXX XXXX XXXXXXXX / {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
We purchased airline tickets with Amex XXXX. Due to XXXX we had to cancel the flight. On XX/XX/XXXX we cancelled the flight. When cancelling the flight Amex representative told us we would be refunded our {$6600.00} to our card. Additionally they sent an email on XX/XX/XXXX that shows it will be refunded to the card with 45 days. 

On XX/XX/XXXX I followed up to find out the status of the credit. Amex is now claiming they never said it would be credited to account. They stated they would review the call and provided case number XXXX. We have called now multiple times to follow up on the status of this case. Originally they said that review would be done in 7-15 days. We are now over 40 days and they still have not reviewed the call. We have emailed and called repeatedly and they all end in dead end calls where they say they can do nothing. 

Please assist as this is a significant amount of money promised to be returned both verbally and in an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a Apple credit card account with Goldman Sachs, and during the pandemic I faced several hardships that caused me to miss one payment. And under the CARES ACT 2020 I was eligible to pandemic assistance and Goldman Sachs never initiated the assistance after several calls. I have one late payment which they told me would be removed under the CARES ACT and a courtesy update removal. But nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: NAVY FEDERAL CREDIT UNION

Complaint narrative:
Navy Federal Credit Union is in direct violation of 15 U.S. Code 1692e false or misleading representations, 15 U.S. Code 1603g the consumer is the creditor, 31 U.S. Code 5118 2 public debt obligation guaranteed by United States to repay. 
NFCU is operating above the law and deliberately interfering with commerce which is causing harm and injury. And using false and misleading practices. When I log into the account online its says this information is not a attempt to collect a debt on the Home Screen. When I click the credit card a new screen opens and it says your one Payment pass due and available credit is {$0.00}. Clearly this is misleading, deceptive and theft, blocking of account credit which should be open end is definitely interfering with commerce All rights are reserved without prejudice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WFDS XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXXXXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.

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 2022-03-24 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:
XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX  XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX XXXX XXXX XXXX, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX XXXX, must remove ( never had this acct. XXXX XXXX XXXX, must remove both acct. ( never had this acct.

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 2022-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX, I opened a Citi XXXX Account with a deposit amount of {$50000.00} based on a 60-Day promotional offer to earn {$700.00}. After 60 days passed, I contacted Citi to ask the status of the bonus deposit and was told that the bonus would be deposited within 90 days. In XXXX I was also told that I had met the requirements for the bonus on XX/XX/XXXX. Additionally, Citi told me that the bonus would be deposited by XX/XX/XXXX, at the latest - taking the full 90 days after qualifying for the initial 60 days. 

Still by XX/XX/XXXX, Citi did not deposit the bonus. I called Citi on XX/XX/XXXX and it was confirmed a second time that I had met the requirements of the bonus offer and was instructed to file a promotional dispute, which I did. I was told Citi would reply in XXXX business days. They did not. On XX/XX/XXXX, I called again and was told a letter had been mailed to my home address, saying " wait for the letter. '' On XX/XX/XXXX, I called Citi to request the entire account funds be transferred to another bank and instructed Citi to close the account. I still have not received a letter from Citi. 

Where is the {$700.00} bonus?

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
My mortgage lender, Guaranteed Rate , Inc. made me pay for 4 months of Homeowners insurance payments in Escrow. RESPA states that the max should have been1/6 or 2 months. 

My insurance policy is only for any internal losses. The HOA insurance for my townhouse has a policy in place to pay for external damages and loss. 

In addition, I only financed 14 % of the cost of the home. 

I was also forced to pay for 12 months of insurance at time of closing besides the escrow amount. 

The lender 's closing disclosure says that they will charge me every month for my insurance policy. 

At the end of 12 months ( XX/XX/XXXX- XX/XX/XXXX ) I will have paid 28 monthly payments for this policy. They are not paying me interest for using my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: OK

Complaint narrative:
I emailed clientcare@cardinalfinancial.com the first time on XX/XX/XXXX at XXXX XXXX explaining the situation being that my property taxes were paid at closing but they had not been paid to the county yet and I paid the first half taxes to the county myself in error because I forgot they were in escrow. I explained that the second half is due at the end of this month XX/XX/XXXX and that I need the {$760.00} which is held in escrow for the first half tax refunded to me. 

XXXX XXXX XXXX XXXX XXXX and Virginia XXXX XXXX of Servicing | Operations both emailed me and confirmed the error and submitted payment to the county for the second half tax but neglected to address my multiple requests for a refund for the amount of tax that I paid and never provided telephonic contact info that I requested or called me as requested at the telephone number I provided. thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My electric service contract was ending XXXX. I started looking for a new provider with a better reputation and price. Applied online and they said I had to pay a {$250.00} deposit for each meter. ( 2 ) I have excellent credit. 1 late payment in 20 years. ( XXXX ) XXXX XXXX says XXXX score. But I know they are XXXX to XXXX points lower than than the agency scores. I've lived in this house since XX/XX/XXXX. ALWAYS had utilities. Deposits were returned in XXXX. I've not paid a deposit since. I called that service provider and they stated that Experian says I have NO credit history. I have XXXX store cards and a bank account. I've been with my bank since the XXXX 's. Had those cards for many years. So I start trying to contact Experian. What a joke. You CAN NOT reach these people. Yet they control aspects of your life ( utilities ). I found XXXX 's of complaints about the same thing and about their " Service '' they offer. They set people up for a service, they sell, XXXX, then don't deliver and you can't cancel because they won't answer the phone or won't respond to your emails. This needs to be investigated. They are out of control. I read about a man that had a high score ( other agencies ) a mortgage, utilities, and credit cards. He applied for something thru a company and apparently they checked Experian. They told that company that he had NO CREDIT. These people are playing games with peoples lives. Since when do THEY have the right to do this. XXXX " Experian complaints ''XXXX XXXX, XXXX report, XXXX XXXX and many more.

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 2022-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
This Item showing on my credit report on XXXX such as : LockHart, Morris & Mont XXXX # : XXXX oringinal creditor : XXXX  account type : collection date opened : XX/XX/XXXX oringinal balance {$1500.00} terms : XXXX XXXX payment history delinquent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Moreover, this account was deleted previously do to class action lawsuit reasons then it was later reinserted under a different balance amount? 
I therefore demand proper documentation of the litigation results to validate or verify this item?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I got this message from Discover. 


As a result of a recent review of the Discover it account referenced above, we will be closing your account as of the date of this letter or shortly thereafter. 

Keep in mind, any purchases or transactions made will still be posted to the account. However, the decision to close your account is final. 

This action will be taken for the following reason ( s ) : Inactivity on your account ( s ) % of balances to credit limits is too high on revolving accounts Length of time revolving accounts have been established I have revolving accounts that are more that is XXXX XXXX XXXX, using XXXX of XXXX of available credit on all accounts. Yes there was no activity but they never allowed me a change to increase the account activity. This now has a negative impact on my credit score since an account with history has been closed. How is this acceptable with the consumer not being given a change to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: IL

Complaint narrative:
Experian is in violation of the FCRA the company knowingly reports the wrong information on my credit profile. Experian has a grave responsibility to report accurately on a consumers profile but they don't, I continuously sent in letter after letter and Experian keeps ignoring my demands as a consumer. XXXX XXXX child support is beginning reported inaccurate because per 15 usc 1681e ( b ) and 15 usc 1681 ( 5 ) this account is in violation not reporting 100 % accurate it list child support as the furnisher that's forgery and misleading when the courts do not report this type of account. XXXX XXXX is a account that's reporting inaccurate as well it is reporting a higher limit then what was issued I only had a {$300.00} dollar limit but its reporting as I had a {$800.00} limit and that's misleading and forgery as well. This has been going on for over a year now and something need to be done

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