vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-12 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
A credit card account was fraudulently established with Continental Finance Company , LLC using my identity in XXXX, and subsequently reported to the credit reporting agencies as delinquent. Numerous attempts with Continental to establish the account as fraudulent and have it removed from my credit reports went unanswered. I submitted complaint # XXXX with CFPB in XXXX, and a rep from Continental responded with a Notification of Suspected Identity Theft form to submit. The form was promptly submitted, and a rep informed me over the phone that the form was received and the account would be removed from the credit reporting agencies and a confirmation letter mailed to me. As of XXXX the fraudulent, delinquent account is still being reported to credit reporting agencies and I have never received any letter from Continental confirming the removal of the account. I contacted Continental 's customer service over a month ago and was promised a " supervisor '' would contact me to help but have yet to receive any response. Continental repeatedly refuses to provide any contacts within the company that can resolve this issue.

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 2019-08-12 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: DE

Complaint narrative:
XXXX XXXX XXXX AKA XXXX..partial account number XXXX ) is a medical collection that does not belong to me. This is a medical procedure for a family member where I did NOT sign a financial responsibility agreement. The provider and collection agency placed it on my file in error. I disputed this with the credit bureau and they left it on my file.

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 2019-08-12 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On or around XX/XX/XXXX I applied and was approved for the American Express Platinum Card. The card normally carries a {$550.00} annual fee, for which I had it waived as I'm an XXXX XXXX XXXX XXXX XXXX. XXXX of the major benefits of the AMEX Platinum Card that was advertised was its monthly XXXX credit, for which it stated it would provide a {$15.00} credit each month and {$20.00} in XXXX. I was excited to begin utilizing the benefit as part of the AMEX Platinum Card 's various offerings.

Most credit card rewards and credits work by using the card to pay and then afterwards it being  reimbursed as a credit on the card statement - in fact every card I've ever had has worked in that way. However it wasn't until approximately XX/XX/XXXX that I noticed that I had been charged, without a statement credit or reimbursement, on my AMEX XXXX XXXX each month for the XXXX rides I had since taken with it. 

Upon research, I found that the AMEX Platinum Card 's terms were - in extraordinarily unclear and deceptive fashion - stating that the complex procedure for using the {$15.00} XXXX credit was to choose the XXXX cash as the option when booking a ride, rather than standard credit card practice of reimbursing for payment at the end of a statement cycle like how the American Express Blue Card even did.

In total I had been essentially tricked for months into thinking that I had been utilizing the AMEX  Platinum 's monthly XXXX " credit '' when in fact I hadn't been. It encouraged me to use the card even though it wasn't giving me the reimbursement it had represented it would be giving to me for those XXXX rides - meaning over the course of those 7 months or so I lost approximately {$100.00} in XXXX credit reimbursement that I otherwise should have received. 

As a card that normally charges an extraordinarily {$550.00} annual fee, this is a deceptive and abusive marketing tactic/ploy that equals the egregiousness of said fee. In trying to resolve this with American Express there was no easy option to contact the company, implying that the company makes it difficult for customers to try to resolve abusive practices that the company has inflicted upon their own customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: IL

Complaint narrative:
I've sent multiple letters to Equifax disputing items from ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) on my credit report that I have no knowledge of and they are refusing to remove accounts in question stating that the acounts were verified but they fail to furnish proof. I want the accounts removed off of my credit report. I also have two inquires that Equifax refuse to remove although I'm sent letters stating that I have no know of the inqiries. The inquires are from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 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: NC

Complaint narrative:
I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my 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 non-monetary relief
Consumer complaint received 2019-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX Card : XXXX XXXX inquiry not mine XXXX Card : XX/XX/XXXX inquiry not mine XXXX XXXX   XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized XXXX XXXX XX/XX/XXXX inquiry not authorized. Sales person pulled without my consent XXXX XXXX XXXX XX/XX/XXXX inquiry not mine XXXX XXXX XX/XX/XXXX pulled a 2nd inquiry in error. 

XXXX on XX/XX/XXXX inquiry not mine

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 2019-08-12 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: NC

Complaint narrative:
I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my 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 2019-08-12 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: NC

Complaint narrative:
I sent in all required documents by mail to the three credit bureaus in XX/XX/2019. They have failed to respond with in the stated requirements of the fair credit reporting act section 605b. I am a victim of identity theft and in desperate need of these items being removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: OK

Complaint narrative:
I have purchased prepaid cards from XXXX Visa. ( XXXX ) I have contacted XXXX by phone at XXXX and have faxed disputes to XXXX, twice each. 
Twice purchased and twice the card numbers have been hacked and balance of card has been used for unauthorized internet purchases. 

Card # 1 balance of {$150.00} was used for unauthorized purchases to XXXX XXXX  on XX/XX/19 {$67.00} XXXX XXXX on XX/XX/19 - 2 transactions, {$57.00} and {$32.00} Card # 2 balance of {$130.00} was used for unauthorized purchases to XXXX  XXXX  XX/XX/19 {$130.00} after reading XXXX complaints on this company, there are many other victims to XXXX prepaid cards. It is my idea that XXXX has inside hackers and I want their cards pulled off the shelves until they get their security under control. 

My Status : two weeks plus since first reported unauthorized use of cards. XXXX   keeps saying '' we havent '' received the dispute documents. 

I took it upon myself to call vendors that hacker used. XXXX XXXX on XX/XX/19 was able to return the {$67.00} to my card. However, XXXX has put a hold on the card ( which had also a {$.00} balance left on it ) until " they receive dispute documents ''. 

not happy with XXXX and will not be using ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-12 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: NV

Complaint narrative:
the comapnys transunion XXXX XXXX are not providing the right information of my creidt my credit to me and there are items in these agencies on my credit report that are not mine and they continue to place negative items on my credit reports that are not mine and making my credit report worse and worse each time and they are decieving me and making my credit worse and worse by placeing incorrect and fraudulant items on my credit report and not removing the fraudulant and invalid incorrect items from my credit report and making my credit report and credit score go higher elevate my credit score and becuae of these neglagences my credit score has gone down and i am not able to use my credit to purchase home items and all necessary items from my living cars grocery food electronics etc.

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 2019-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery is attempting to collect on a debt I don't owe. I've already paid this debt off and it should not be reflecting on my credit file. I am requesting that this debt be removed off of my credit file as it is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom 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 2019-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
I closed on my house today ( XX/XX/2019 ). 90 minutes before closing, I was told that I had an existing loan on the property I was selling for an additional {$31000.00}. The title company did not send over the ALTA documents until 90 minutes before closing. My net proceeds were reduced to {$5500.00} from {$36000.00}. I have an apartment complex that I was supposed to move into. Was told that if I didnt close on the house I would be sued and have to pay court costs and attorney fees. Then was told how the other people had just closed on their house and would be homeless unless I closed. Now I am homeless and was swindled out of my house. The title company delayed sending the ALTA and disclosed that there was a second loan on the property. I also contacted my mortgage company for a payoff amount and they did not inform me of this second loan. They told me and sent documentation stating I only owed {$100000.00}. I feel wronged and had my mortgage company disclosed that there was an existing second loan, I would not have listed my property in the first place for sale. I was told that there was no second mortgage or loan on the property. I lost everything today. And I feel that there was information not disclosed to me about what I actually owed on my property.

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 2019-08-12 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: EQUIFAX, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX / 2.XXXX/XXXX XXXX    XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX / 3. XXXX XXXX XXXX XXXX XXXX, FL XXXX i did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Social Finance, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 at appx XXXX hours, I tried to make an ACH payment on my SOFI Loan ending in # XXXX with my XXXX XXXX checking account ending in XXXX. I gave the proper routing and check number and SOFI said the transaction went through. On XX/XX/2019, I received word that the transaction did not go through. The same day at appx. XXXX hours, I called and gave the same baking information from XXXX XXXX over again. The transaction was said to go through again. It went through on XX/XX/2019 but was from my XXXX XXXX account ending in XXXX. I never gave SOFI permission to take anything from that account. The action left me in the negative on my XXXX   account and it has caused me adverse financial harm. I called SOFI to find a way to rectify this action and talked with XXXX at appx. XXXX on XX/XX/2019. He said they would call be but I have not heard from SOFI since. They had no right to take any money from the account and that needs to be rectified because that is criminal to take from an account without permission. All they had to do was take from the XXXX account like they had permission to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I received a letter on XX/XX/2019, dated XX/XX/2019 from Attorney XXXX XXXX of XXXX stating I had an outstanding debt for my HOA. I have previously made payment to my HOA to settle my debt, so on XX/XX/XXXX, I responded via Law Firms requested method of correspondence ( email ) requesting clarity on my debt, in which I received no response from the firm. On XX/XX/XXXX, at the 30 day mark, after hearing no response from the Attorney, I proceeded to pay the demanded amount of {$1400.00}. I followed up with a call to the number listed on my letter to demand a refund as my debt had been paid before receipt of the letter. The debt collector stated she would reach out to Attorney XXXX XXXX to secure a refund. A week elapsed in which I heard or received no email or written correspondence from the Law Firm, in which I again called and requested a detail summary of my debt and credits paid. I was told per debt collector to email Attorney directly. On XX/XX/XXXX, I emailed Attorney XXXX XXXX demanding a detailed summary of my owed debt, and requesting a refund from his law firm, since I paid more than actual amount of debt. As of today, I have no received a detail summary of my debt, or any correspondence from XXXX XXXX XXXX. My HOA has also indicated they have not received payment from XXXX. XXXX refuses to pay me back what they have no entitlement too.

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 2019-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a new XXXX XXXX through Mercedes Benz Finance. I set up auto pay to be sure the payment was never late. I paid on time for 24 months the term was 24 months. 
The vehicle was a gift for my aunt, at the lease end she turned it in. I wasn't aware of the lease turn in fee or property tax. Three months later i receive an alert from privacy guard saying i have a charge off for this lease. I contacted Mercedes to ask why wasn't i notified, and why didn't you charge the account you charged the previous 24 months. 
The answer was we sent a letter, the letter was to a previous address. I asked them if the letter was returned to sender, they said yes.The answer to why they didn't charge my account that was set up on auto pay was, they cant for the turn in fee or tax. 
Now after paying 24 months on time my credit score dropped 150 points. 
It should be illegal for companies to report you as a charge off if they don't have confirmation you received an invoice as well as the mail was returned to them. 

I paid the invoice to the collections company, i was told Mercedes would still report as paid in full late. Not paid as agreed. 
A gift for my aunt turned into bad credit. It doesn't seem fair.

Company response to consumer: Closed with explanation