vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This Santander Consumer is reporting 90 days of being late, which is absolutely false. All payments were made on time or early as I had automatic payments. The account has been paid in full for a couple of years, but this still impacts my credit. The company needs to correct where they state I was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I had two negative debits in XX/XX/2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX XXXX  act # XXXX original amout owed {$3700.00} gave me a XXXX for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Now a company called Portfolio Recovery Assoc. LLC shows both as negative on my credit. I have reached out to them with proof of payments either with the XXXX and with the letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
Portfolio Recovery responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in XX/XX/2016 in agreements with other companies. I can submit proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: NY

Complaint narrative:
I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: NY

Complaint narrative:
I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the XXXX business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.

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 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Went to American Express Website to Open Card. 
Started Application for Delta Business Gold card. 
If you aren't eligible for the Signup Bonus, you will receive a Pop-Up message from Amex on the screen stating that you are not eligible. 
I didn't receive the Pop-Up message, meaning I was eligible for the bonus. 
I proceeded to fully submit the application, and was approved. 

Terms stated I had 4 months to meet the required minimum spend of {$3000.00}. I met the spend within the 4 months. 

I should have received XXXX Delta Miles, but did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a MasterCard gift card over a year ago, but didnt try to activate it until XX/XX/2019. To activate it, I had to visit XXXXXXXXowned by US Bank, the company that sells these cards. When I entered the account number and the 3-digit number on the back, I discovered it had already been activated by someone named XXXX XXXX, who made two XXXX purchases using my card number. The cards value was originally {$200.00}, and the XXXX purchases totaled about {$180.00}. There was {$8.00} in service fees, so the current balance is {$5.00}. The card was in my possession when XXXX XXXX activated it and made the purchases. 

I called the customer service number on the back of the card the next day, and spoke with XXXX about the fraudulent purchases. She said the only way I could report the fraud was to send a fax. She gave me the fax number, and I faxed my complaint. A representative called me back and left the original customer service number that I called. When I called back, I spoke with XXXX this time, and she told me to send the fax again. I told her that was ridiculous and wanted to speak with someone in the fraud dept. She told me the only way I could contact them was through faxno email or phone number. I sent another fax and this time, I didn't get a call back, so I called the customer service number again. When I entered my account number, an automated message said " this account has been closed '' and hung up on me. At this point, there's no way for me to even contact the company. 

I believe the fraudulent purchases were made by an employee of the company, since it was in my possession the whole time. I think that's why the company has given me the run around.

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 2019-02-13 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: MI

Complaint narrative:
A written complaint was sent XX/XX/2018 asking the company to VERIFY that the account belonged to me. The company responded on XX/XX/18 advising they didn't own the account and collection efforts would cease. I have recently received the same communication on this account ( which I did not request as the situation was handled previously ) and it has been added back to my credit report under this Agency. I am  requesting that this be removed in accordance to previous responses.

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 2019-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
We have reached out to Planet home Lending on several occasions regarding several inaccurate 30 day late payments being reported on my XXXX, XXXX, and XXXX credit reports for my wife and I. They have agreed to remove late payments but we have yet to see any changes in our reports. I have also disputed the inaccurate information with the credit bureaus and they comeback with the same auto generated response as verified. We have never missed a payment in the 4 years and just ask for them to update and remove the inaccurate 30 date late 's from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XX/XX/XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XX/XX/XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XX/XX/XXXX ( see XXXX 1098 issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is  depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX XXXX which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a loan with XXXX  XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX  when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX  and TransUnion credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and XXXX XXXX XXXX  XXXX with no successful resolution. XXXX, Equifax, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on Experian when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my Experian, XXXX   and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days late five times, and I was never 60 days late.

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 2019-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: MD

Complaint narrative:
I had two negative debits in 2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX bank act # XXXX original amout owed {$3700.00} gave me a 1099 for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency Professional Bureau of Collections of Maryland , Inc . 
Now a company called XXXX XXXX XXXX. XXXX shows both as negative on my credit. I have reached out to them with proof of payments either with the 1099 and with the letter from Professional Bureau of Collections of MD Inc with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
XXXX XXXX responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in 2016 in agreements with other companies. I can submit proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have use carecredit/synchrony bank at XXXX $ for my dental service. I had paid two time XXXX at each time. Now I still owe XXXX left. now, they want to charge me a penalty fee over XXXX $ dollar because it was over due.I have make too many phone call asking them please send me a bill atleast one week before due date even so I wrote a letter to them at my second payment. they never send a bill at all or email as I request. They lied to me when I talk with the manager. He said he send email in spam, but I check it was nothing in my spam email address at all. They also call and hang up on me. they also put me on hold so long while I m at work and kept ask me the same question name address and email address over and over. I am seeking a solution to resolve this matter or else they can report to collect agency which is decrease my credit score.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have a loan with CARRINGTON MORTGAGE SE XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and CARRINGTON MORTGAGE SE with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Starting around XX/XX/2018 I was unable to access the money in my account. There was over {$50000.00} in the account. The website indicated I needed to reset my password, which the website would not allow me to do. The website indicated that I needed to call customer service. I spent over 1.5 hours on hold across 3 phone calls to customer service to get my password reset. I tried to transfer money out of the account and again was blocked from movement of money in my own account. After another 4 phone calls and 2 hours of wait time. I was finally helped by someone via " CHAT ''. The {$10000.00} was removed from my account, but, never deposited in the account it was to be put into. I received another email indicating my account transfer ability had been suspended. So, where was my {$10000.00}? They took it out of my account, but did not deposit it in the other account as requested. After several more phone calls, they finally agreed to put my money in the correct account. But only after 7 days, so who got the interest on that money ... .no small sum, {$10000.00}, for 7 days? On XX/XX/XXXX, I sent a letter requesting that my account be closed and to transfer the remaining funds into the external account that was attached. This has never happened. I did transfer most of the money myself on XX/XX/2018.

Company response to consumer: Closed with explanation