vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/2020 and several dates before this. XXXX is not acknowledging my correct address at XXXX XXXX way where I have lived for 3 years as a home owner. The FICO score on my AMEX erroneously shows XXXX. The score should be around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender XXXX XXXX XXXX ) at XXXX XXXX and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with XXXX which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 XXXX stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 XXXX said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called XXXX  XX/XX/2020 and spoke with XXXX XXXX to clarify where XXXX was getting information from and to dispute the status. XXXX stated that XXXX   received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found Transunion is reporting the information on my report incorrectly. However, Transunion makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
My credit hs dropped 80 points due to status " Affected By A Natural Disaster '' ; this is incorrect. The CARES Act should not drop my credit score. On XX/XX/2020 I contacted my lender ( XXXX XXXX ) at XXXX am and spoke with XXXX who checked my status. She said there was no record of a status of " Affected By A Natural Disaster '' and suggested I contact and start a dispute with the credit agencies. By noon on XX/XX/2020 I started a dispute with Experian which showed under " Status '' the incorrect information on my school loans " Affected By Natural Disaster. '' On XX/XX/2020 Experian stated that my dispute was closed, the information had been updated per their inquiry to my lender and the status remained " Affected By Natural Disaster. '' I then uploaded a copy of an email from my lender stating that the company has been incorrectly identified as changing loan holders tatus, but they have not been the entity relaying this information to the credit agencies and the information they have states that all loans they hold have not been given a status change. By XX/XX/2020 Experian said the reopening of my dispute was complete and again the status was not changed. On XX/XX/2020 I again contacted my lender and confirmed that there was no special status on their records. I then called Exerpian XX/XX/2020 and spoke with XXXX XXXX to clarify where Experian was getting information from and to dispute the status. XXXX stated that Experian received their information from my lender and the only way to change the status was for her to send a direct email to the lender questioning the status. I asked her to proceed with this action. I feel as though I am being given the run around between the two entities. I also found XXXX is reporting the information on my report incorrectly. However, XXXX makes it incredibly difficult to get your free credit report, and when I went to start a dispute the page comes up with error readings with no further way to contact or send the appropriate information. I can't buy a house or refinance my student loans until this situation is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I made a purchase using my Goldman Sachs Apple Card ( used Apple Pay ) in the amount of {$560.00} to XXXX XXXX ( order number XXXX ) on XX/XX/2020. Approximately 20 days later, I had yet to receive the items and filed a dispute in the that amount with my Goldman Sachs Apple Card company. Within a few days, I reviewed the items and withdrew my dispute. It turned out that the items did not fit and I needed to return them for a refund. I received an RMA number from XXXX XXXX and shipped the items back on XXXX XXXX via XXXX ( tracking number XXXX ). It shows that the return was received at the XXXX Sunglasses Warehouse in XXXX, Georgia XXXX XXXX at XXXX signed for by someone with the initials " XXXX. '' I waited about 10 days for my refund to appear. When it did not, I called the XXXX Customer service number at XXXX. Spoke with a gentlemen and he apologized and stated that they did receive the items and he will process the return. I waited another 7-10 days and no refund was issued. I called several times, and each time I was told the same thing ; wait another 7-10 days. 

I tried to dispute the charge again on my Goldman Sachs Apple Card, and was told that because I withdrew the original dispute, I can not redispute this charge. The dispute is for two separate reasons and now I have zero recourse for this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
Collection of XXXX Balance : {$370.00} Opened : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: FL

Complaint narrative:
XXXX hi good morning carmax closed the account at the balance {$6000.00} do i pay the balance or ask you guy to remove it off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX XX/XX/2020 a currency transfer of {$50000.00} was sent by XXXX of XXXX. XXXX to Citibank. New York These funds were acknowledged as arriving on XXXX XX/XX/2020. Please see part of the Transfer Confirmation attached. 'Transfer Confirmation - Funded XX/XX/2020 - Transfer number # XXXX - Limited sender details XXXX XXXX XXXX XXXX XXXX XXXX Transfer overview Amount paid by XXXX XXXX XXXX {$50000.00} USD and ultimately sent via Citibank to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Citibank transfer details as follows : - Routing No. - XXXX. - Bank account number - XXXX. Checking Address - XXXX XXXX XXXX. - New York, XXXX, United States The official document is attached. Having checked with XXXX  they advised the following : - after checking the details of the transfer as sent to CitiBank on XXXX XX/XX/2020, I checked your transfer number XXXX for the amount XXXX USD and I can confirm that this transfer is complete from our side as the money was sent to the recipient details that you provided. However, after double checking the recipient details, I found some differences in the account number and the account holder 's name that were provided while making the transfer. However under normal protocol, if there are mistakes with the details of the intended account, then the funds should be returned to the sender - XXXX. My complaint is that the money was not returned and after 17 days the money is still being held by citibank but they are denying having the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2020 citicards CBNA reported my account as being delinquent. I have paid off or settled every account that I have with them on XX/XX/2020. I have made several disputes about them report wrongfully on my credit report. They allowed the creditor they sold my account to report on my credit report, then they reported on my credit report, creating a double negative. I have been on hold for 3+ hours waiting for them to answer my questions and take their negative reports down. Then the phone automatically hangs up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
Collection of XXXX Balance : {$370.00} XXXX : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
Listen EQUIFAX ... how many times do we have to continue to do this ... I have proven that I have been a victim of IDENTITY THEFT and have supplied all supporting documentation..so explain to me why this same account which was already deleted has found its way back onto my credit report! I have NEVER lived in XXXX, GEORGIA ... .I LIVE AT XXXX XXXX XXXX XXXX XXXX XXXX GEORIGA XXXX and have been there for 5 years, and prior to that I was at XXXX XXXX XXXX XXXX XXXX Georgia XXXX ... PLEASE ... .PLEASE ... PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND PERMANENTLY! 

XXXX XXXX XXXX # XXXX {$2000.00} THIS ACCOUNT IS FRAUDULENT, IT IS NOT MINE, IT DOES NOT BELONG TO ME, AND IT IS KILLING MY CREDIT RATING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
There has been a theft robbery and burglary cases involving me lately. My XXXX   XXXX me with XXXX and XXXX my account several times. I made report to dispute the hard inquiries that are on my credit reports and the soft ones. I reported this to XXXX XXXX tx police dept. They made attempts to keep me safe. But this man came back an XXXX took my cards and finding some way of using it to get a room at XXXX XXXX and withdraws XXXX dollars from a store. Then with my identity he been trying pass it off as me and make out online or at stores and apply for loans to XXXX XXXX XXXX XXXX XXXX XXXX and a numerous others. Please as she remove these negative items.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I don't agree with the current balance. The current balance is more than 3X the amount borrowed. Navient can not show more than 10 years of payments I made. I have been paying for 20 years and the balance goes up and they can not shoe payments I have made for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AmeriHome Mortgage Company, LLC
State: OR

Complaint narrative:
Amerihome mortgage states were not current from XX/XX/XXXX to XX/XX/XXXX. When we in fact caught we were making our mortgage payment plus extra to catch it up, caught it up completely in XXXX. They never reported any of that or comment that we were working on it. Then they sold our account to XXXX  and they havent reported that they even have the account or that we've been making out payments and are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: GA

Complaint narrative:
Listen XXXX ... how many times do we have to continue to do this ... I have proven that I have been a victim of IDENTITY THEFT and have supplied all supporting documentation..so explain to me why this same account which was already deleted has found its way back onto my credit report! I have NEVER lived in XXXX, GEORGIA ... .I LIVE AT XXXX XXXX XXXX XXXX XXXX , GEORIGA XXXX and have been there for 5 years, and prior to that I was at XXXX XXXX XXXX , XXXX Georgia XXXX ... PLEASE ... .PLEASE ... PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND PERMANENTLY! 

XXXX XXXX XXXX # XXXX {$2000.00} THIS ACCOUNT IS FRAUDULENT, IT IS NOT MINE, IT DOES NOT BELONG TO ME, AND IT IS KILLING MY CREDIT RATING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
I was approached by Amerisave company to refinance my home .After they asked me all the questions about my finances check my credit score got the information about my annual income and my debt they told me that I qualify for the loss rate the only thing I need to do is be {$500.00} for an application fee. Once I paid the {$500.00} application fee and my home appraised higher than expected all Of the sudden they say I do not qualify for the promised rate. I only qualify for much higher rate and interest so I either refinance with them on theRe terms or they will not return my {$500.00} application fee. Even though I specifically made sure that I qualified before I payed and the assured me of that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One offers promotional interest rate cash advances from time to time. Every single statement I've received ( maybe for an entire year ) since accepting a special offer shows 0 % interest rate " SpecialTrans. '' NOTHING ELSE. 

This is extremely misleading as it leaves the consumer thinking it's 0 % forever. No other credit card company hides the date the promotional interest rate ends. Every single company except Capital One clearly states the expiration of the promotional rate on every statement. I don't know why Capital One is trying to hide it, probably so you forget it's not really 0 % forever and are surprised to find out the rate jacked up at some unknown point that the consumer forgot about after all of this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The bank won't let the loan company connect to my pnc checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I have called Navient XX/XX/2020, XX/XX/2020, XX/XX/2020. They have used my Social security number and birth date to get XXXX XXXX 18 loans. Navient sent me to the Fraud department they want me to file a fraud report, but as I was speaking to a woman from Navient on XX/XX/2020 her response was Navient made a huge mistake and it's a serious one. I said yes it is. So I made the report on XX/XX/2020 I spoke to a XXXX from the Fraud department with no other identifying information, he refused to take the report number and state police reporting number which is XXXX and his name is XXXX XXXX. I told him what the lady had told me about how Navient made this huge mistake. And I did not think it was fraud at all. This woman does not know me, I do not know her and there is absolutely no way for her to get my information. This debt totals XXXX dollars. XXXX placed me on hold and put me on with a manager of Navient which she was laughing when she answered the phone s her and XXXX talked before she got on the phone. I explained that carrying out illegal actions is not funny! She refused to work with me as well. I told them I had spoken to an attorney. She told me that Navient took XXXX XXXX 's name off my social security number and birth date and placed mine on this debt. I advised her that this was illegal to do. A loan or server can not just take someone's name off a debt and put someone else 's name on it! Period! This is a legal document you have to have consent or wrote out another loan and go through the process. What Navient did by taking XXXX XXXX 's name off a binding document and placing my name on it is extremely illegal can't happen that way. Thus has caused so much damage to my life. But XXXX XXXX is getting a free education by the looks of things. But not on my watch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: RI

Complaint narrative:
Experian refuses to address a valid credit scoring mistake they have made in conjunction with my loan at XXXX. Experian has refused to accept my documentation showing the error and now has set up a number of cumbersome obstacles to resolving this matter in a fair and honest way. Experian Report # XXXX for XX/XX/XXXX would not honor my request or a portion of it based on limited information. I have provided Experian all relevant information regarding a fraudulent report of credit reporting from XXXX. XXXX claimed that I did not pay my mortgage on XX/XX/XXXX when in fact their own statements show that I made the payment. However, XXXX chose to place my funds in an " unapplied funds '' account without explanation or notification. I have made several attempts and provided documentation regarding this " error '' or intentional fraudulent credit report on many occasions yet Experian continues to deflect, obstruct and obfuscate the matter in some attempt to avoid responsibility. 

I paid the mortgage payment on time and XXXX has of yet to acknowledge the payment or correct the problem. In addition, Experian has failed to thoroughly and fully investigate why XXXX provided them false statements about the credit report and instead has refused all of my attempts to correct this matter and address the error in credit reporting in my file. The attached documentation clearly shows my payment and XXXX and Experian 's fraudulent scheme of credit reporting. This is illegal, immoral and should be punishable to the greatest extent of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been trying to access my Transunion report for about a month or more now, and I do not have access, when before I did. Every time I call they said that the system is updating and I get the runarounds, I called again today and was given a number to try to fix the problem and the same thing. They said I need to pay for my subscription in order to get my own credit report when I was getting free before, I have requested through annual credit, and other free sources and all I get is " credit score unavailable '' I am in the process of purchasing a home and this has delayed the process. They are blaming the Government saying that they are the ones who have access to this report which we all know it's a lie. As a consumer, I have all the right to request my free credit report and for some reason, TRANSUNION will not comply. I have complained about this before and got a response that they will work on my complaint, but never heard any more from CFPB or The reporting agency.

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