vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have contacted the credit bureaus XXXX Equifax, XXXX, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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:
I informed equifax multiple times I am a victim of identity theft and have had an extended fraud alert for years. They didnt respond after 60+ days so I came here and all they said was they could not verify my identity and send them my social and Id which I refuse to do anywhere but here and did such with my last complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: FL

Complaint narrative:
On XX/XX/2021 I sent letter to Experian regarding account from XXXX XXXX  as you can see its well pass 30 days and Ive not received a response. Attach is a letter I sent and copy of certified receipt. Certified mail receipt # 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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have contacted the credit bureaus XXXX XXXX, Transunion, XXXX  XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.

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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have contacted the credit bureaus XXXX XXXX, XXXX, Experian XXXX on multiple occasions asking them to remove the bankruptcy ( reference number : XXXX XXXX from my credit report. I have not given consent for them to report this information and 15 USC 1681 a 4 states that, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This information on my credit report is invading my privacy.

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 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This is a follow up of the following CFPB claim. My membership rewards account had been unfrozen. However, the 35 % bonus points did not shon in my MR account. I contacted Amex many many times via phone or chat, the agents always give me difference response. No one help me to solve the issue. 


CFPB Ref No : XXXX and XXXX Ref : XXXX and XXXX Account Ending in XXXX Dear XXXX XXXX, Were writing in response to your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). We processed your booking with pay with points. We can not restore your ability to redeem your Membership Rewards ( MR ) points at this time. 
We processed your booking with Pay With Points On XX/XX/2021 you booked your travel through American Express Travel. On XX/XX/2021, we processed the redemption of XXXX points towards your booking and issued a credit towards your account of {$11000.00} which is reflected in your enclosed XX/XX/2021 billing statement. 
We have temporarily suspended your ability to redeem MR points We have temporarily suspended your ability to redeem MR points while we review your MR account to ensure you complied with our offer terms, this includes the 35 % airline bonus when you use Pay with points to book your eligible travel or flight through American Express travel. We took this action within the terms of the MR program. If at the end of the promotion period we determine that you have complied with our offer terms, we will unfreeze your account unless there are remaining concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Hello I'm XXXX XXXX and I'm XXXX years old, I created a paypal account, but they permanently limited it. Telling me that I can't use paypal anymore after providing them with all of my details and SSN, I will like my account to be restored

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Attn : Consumer Finanncial Protection Bureau My name is XXXX XXXX and I am XXXX years old. I currently work as a XXXX XXXX in XXXX XXXX, Florida. Due to the XXXX XXXX, my hours were brought to zero, as the office was unable to operate. As I do collect social security, it has been my manstay of income during this crisis. I was forced to give up my previous living quarters, and now live with a friend in a mobile home. They have allowed me to reside there for free during my fiinancial crisis. 
I have always made a effort to pay all of my bills and even during this time am trying to make the payments. ' Upon review I have a credit card debt with Capital One, and am still making monthly miniimal payments. ' I spoke with them by phone, explained my current situation and they odffered no assistance. Their professional attitude was disgusting. 
I owe a total debt to Capital One of {$2500.00} dollars, an every month pay them $ XXXX on time. 
Theycharge a rate of 27 % or {$50.00} interest after my {$100.00} payment every month. 
I absolutely begged them to establish a rational manner of getting thhe debt paid off. 
I am in a terrible financial dilemma, and Capital One should be investigated for the manner they are addressing the needs of individual like myself duriing this awful time in the world. 
The conduct of Capital One needs to be addressed by an organziation like yours, as there are using XXXX to financially destroy all who deal with them, and this is not right. 
I ask for any assisttance you can offer as this is not a professional manner of treating me or others during a horrible time in the word. 
Sincerely, Ms. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to transunion regarding an account with XXXX XXXX  on my credit. I sent this letter by certified mail # XXXX its been more that 30 days and if theres no response the item must be deleted but yet this item is still reporting I attach copy of letter sent along with copy of receipt from usps that shows the certified receipt

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 2021-06-06 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: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX  continue to report the unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: TX

Complaint narrative:
My name is XXXX XXXX and have an XXXX  Amex card ending in XXXX, we bought some tickets last year before the pandemic to go from XXXX to XXXX and XXXX to XXXX in XX/XX/2020 on a XXXX leg of the trip. The XXXX leg was on XXXX XXXX and the XXXX was on XXXX  airlines. Due to the travel restrictions and airlines cancelations, XXXX XXXX refunded our money but we are having issues with the XXXX leg of the trip. Its been months that we are trying to get the refund on the XXXX to XXXX leg. When ever we call Amex customer service, its been a couple of times we are asked to call XXXX  airlines and have them send the refund. We are also told because your fee rules indicate there is no refund on this ticket. Nothing was clearly told to us that if pandemic hits and the flights are canceled we would not get the refund on that flight. We have XXXX little babies who were traveling with us and didnt want to travel with them and get sick. As we were uncertain of this travel we canceled the flight and did not wait to cancel it by the airlines. As it turns out XXXX  cancelled the flights itself a few days later. Now we have an email from XXXX  telling us we need to reach out to the reservation agent that is Amex to ask for the refund. Please advise how we can solve this?? We paid $ XXXX and no one is helping us fix this. We are so helpless and annoyed with this passing the buck between Amex and XXXX  airlines that we will never use your services again in the future to book our travel needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RSI Enterprises, Inc.
State: TX

Complaint narrative:
RSI Enterprises XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Account no : XXXX Amount {$130.00} Date : XXXX I told them that is wasnt mine and they need it to take me out of collection if its not yours it should be off like the law says. If its not i will file a small claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I tried disputing a transaction with XXXX XXXX XXXX. I paid XXXX membership fee for a credit line which would report to all of my credit reports ( {$10000.00} line ). 
When waiting from XXXX to now. Pend fed has pull my credit report several times I can confirm that I never received the credit line. 
The company currently doesn't have any physically store that are open. But the main purpose of me getting the account was for the credit line to report to my credit reports. 
I had to connect pen fed several times over the span of a few weeks in XXXX to dispute this charge. its was never properly handled. 
I originally received a letter after less than a we closing my first dispute attempt. The letter claimed I got a temp credit I never received the letter list a that they tried to reach out to me in though the never did. And the call back number on the letter wasn't even a working number. 
After reaching out the XXXX dispute attempt was closed in about a week or so. This time I actually received a temporary credit that was suppose to be taken back but is the still sitting in my checking account as of the time of writing this. 
They assigned the dispute back to Each and every time I called I was told by a baseline rep the was much they could see and attempted to get me to the dispute department. No one from the disputes department would talk to me or call back. 
I received an email and also was told I would receive copies of the contract and information of the dispute. I have yet to receive anything b mail and majority of the links in the email did not work.

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 2021-06-06 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: FL

Complaint narrative:
XX/XX/21 certified receipt # XXXX and never received a reponse I sent the letter with my identification because equifax always lies and sends theres no record for me if they cant validate the account I feel they should adhere to the rule of fcra which is deletion of account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
This is the XXXX time that Guaranteed Rate is refusing to pay my property taxes from my escrow account. I have paid every mortgage payment on time and they require a portion to go into an escrow account. By law, they are required to use these funds to pay my property taxes. For the XXXX time in a row, my property taxes are now listed as delinquent. On XX/XX/XXXX, I sent my property tax bill to Guaranteed Rate. They assured me that they would be paid on time. I have called and emailed multiple times with no answers. They have escalated my concern multiple times and there are still no answers. I can not continue to wait for them to pay my property taxes. After months of calling and emailing and a complaint with CFPB, they finally paid the XXXX property tax bill but then they charged me the late fee. It took another couple months to get that fee refunded to my escrow account. Now I am in the same boat ... filing a complaint. I will never use Guaranteed Rate for a mortgage again. I am currently working with a local bank and it is 100 % better. People have answers, and the mortgage won't be serviced by Guaranteed Rate. My rental property will be forever doomed ... I just hope they get their act together so I do no have to submit a complaint with the feds in order for them to make a simple payment twice a year. It is such a waste of my time and money to have to do Guaranteed XXXX 's job for them. So many other better company 's out there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: FL

Complaint narrative:
On XX/XX/21 I sent a letter to Experian about professional finance account I never received a letter about this account. Fcra indicates if company doesnt respond in 30 days accounts should be deleted the certified receipt # 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 2021-06-06 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: WV

Complaint narrative:
Below is a cut and paste of a letter sent to TransUnion. I tried calling and got a rep who couldn't do anything to help except try to sell me reporting service. It is serious to affect my credit this way and makes no sense XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX SSN XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA Gentlemen : I am writing to you due to the XXXX point drop in my credit report which makes NO sense. I had a credit card balance of over {$7000.00} related to my husbands funeral and final expenses. I had a credit rating in the high 700s. I finally paid it off and instead of my credit score going up since I had less debt, IT DROPPED XXXX POINTS. I also paid off my car. 
Well, that was very upsetting to say the least, so I started running my normal expenses through my XXXX card since it appeared to me you didnt like me having no debt. I paid the account off in full each month and figured that was what you wanted. So then I get a notice through one of the consumer credit monitoring pages that you dropped me again to XXXX because I was spending too much money on my credit card, even though it was paid in full each month. 
You cant have it both ways, drop my score because I paid off a large bill and then drop it again when I spent {$3200.00} buying necessary, one time purchases for my home which again, I paid in full. 
Something is wrong with your scoring method. It makes so little sense that even XXXX XXXX couldnt understand my credit dropping because I PAID OFF A BILL. Then to drop it again because I bought needed items and paid it in full is ridiculous and makes no sense. 
This letter is to request that you immediately return my score to the high 700s as I have done nothing to lower my score. Even my bank could find no rhyme or reason to this. 
Which is it, you like debt or you dont. 
I am sending a copy of this letter to both the Federal Trade Commission and to my congressional representatives as this makes no sense and is unfair. 
Disgusted, 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
Consumer complaint received 2021-06-06 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX  and XXXX  continue to report the unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I have requested debt validation proof more than 90 days ago. XXXX  was the only CRA who deleted the unverified and inaccurate account. XXXX and XXXX  continue to report the unverified debt.

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 2021-06-06 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: Consolidated Recovery Group, LLC
State: GA

Complaint narrative:
A transaction between me and a business partner was made through XXXX on XX/XX/XXXX. In XX/XX/XXXX I started to receive letters and phone calls from XXXX  claiming I'm responsible for the balance that XXXX XXXX didn't pay. XXXX XXXX is a business partner owner of XXXX XXXX XXXX XXXX, my business is XXXX XXXX XXXX XXXX representatives explained to me several times that the transaction was fronted to me, and when they went to issue a check to XXXX  XXXX XXXX it was rejected. We went back and forward for a week or two. Then I presented a transaction that showed funds leaving " XXXX XXXX XXXX XXXX account into my account '' XXXX XXXX XXXX XXXX' which was processed on XX/XX/XXXX, which clearly proves that they lied about fronting me the money, which is why I don't trust this company. I even filed a complaint with XXXX XXXX XXXX, XXXX never responded, actually then proceeded to call me after they exhausted the time frame for XXXX  to interfere. I have spoke to XXXX XXXX and he explained that several disputes were made and he did receive refunds that had nothing to do with my company. Now XXXX  have reported this transaction on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation