vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in XXXX of 2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with Experian twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.

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 2020-01-03 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: NY

Complaint narrative:
In XX/XX/XXXX, I applied for American Express XXXX XXXX  credit card with the promotional offer of spending US {$1000.00} within the first 3 months of membership and receiving XXXX XXXX reward points. 

And In XXXX, I spent US {$2000.00}, in XXXX, I spent {$810.00}, far exceeded the requirement for the signup bonus, yet American Express denied my bonus claiming they have the ultimate say in bonus eligibility and they " decided '' that my intention was to get the sign up bonus and not use the card. 

In XXXX, I also applied for and got approved American Express XXXX EveryDay card with the condition of spending {$1000.00} within first 3 moths of account opening and receiving US {$100.00} bonus. By XX/XX/XXXX, I have spent {$1300.00} on the card, again, American Express denied my sign up bonus. 

I have been using American Express credit card with an annual fee constantly since XXXX, and I have been had a bank account with them since around the same time and that has been my main account. For American Express to claim I have not been giving them business in the past simply does not reflect the truth. 

I don't have a problem with what American Express said they can decide whether someone is eligible for the sign up bonus or not, but I have a HUGE problem with American Express not making that fact that an application is not eligible for sign up bonus clear in the application process, basically what happened was one party ( American Express ) silently altered the contract that without informing the consumer, and this is FRAUD. From other user group discussion, this happens to a lot of users too. American Express claims during the application process, there may have been a pop up window telling the user that they may not be eligible for the sign up bonus and if they wish to continue with the application. In both of my cases, that never happened. And if that indeed happened, I demand the evidence of user ( me ) clicking Yes to continue my application on the form that informs me that I would not be eligible for sign up bonus.

Also instead of making this critical step a mandatory user input in their online application process, the choice of using a pop up window is very dubious as American Express must be aware that lots of browser block pop up by default. This is at best gross negligence and possibly intended for it to be blocked. 

It is for this reason, I urge you to look into this predatory practice : by claiming the ultimate authority on deciding the bonus eligibility, by making the part that informs user their ineligibility obscure, then combined with advertising to the consumers with promotional offers, American Express has fraudulently profited consumers taking up on their advertised offer then deny what's promised. This is totally unfair and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I was made aware of the XXXX credit breach so i went on their site and found out my personal information was exposed during the breach. I then ordered my credit report and discovered there are accounts on my credit that I did not authorize. Please research the XXXX XXXX card that was opened in XXXX of XXXX, and the JPMCB Card that was opened in XXXX of XXXX, and the XXXX XXXX XXXX account that was opened on XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AK

Complaint narrative:
I went into my Carrington online account and increased my payment to pay off debt quicker. 
From that page, I increased my payment, saved it, and moved on. 

Then I missed a mortgage payment that was unknown to me. Please understand I have the money in the account. It was never short on money. I have been on auto pay with this mortgage since XXXX and never a missed payment, and I don't believe any have been late. 

I got a notice in the mail that I needed to contact Carrington mortgage because of this missed payment. I called them on XX/XX/XXXX. I talked to several people and they could not help me. They had reported me to the credit bureau on XX/XX/XXXX they said. Nothing they could do. This was the only mailing I got. No phone message or anything else. When I called them, I asked them if they called me. They said their records show they did. And their records were detailed enough to show them that they did not leave a message ( just as I said ). I asked why they did not leave a message on something so important and he could not give me an answer. 
After XX/XX/XXXX I received more mailing but it was too late to save my credit score. It dropped from XXXX to XXXX. I know that is still good, but this is so upsetting. I have been really trying to break 800. 

***I will attach a letter with more details. Please help me to contact this company and remove this from my credit report. I should have received several mailings and also received several calls and messages. Never a voicemail. That is shocking! 

***also, there is no other comment section, so I will add this here. You asked what type of mortgage it was. I checked Conventional. I actually believe it is a VA XXXX loan. But your section asked if it was a VA loan ( active duty or Veteran ) and I don't think it is the same. But I am not a veteran. I bought this property as a  foreclosure. I wanted to clarify so that you understood why I marked conventional. I did not want the system to start asking me questions about my documentation as being in the service, because I am not. 

Thank you in advance for your help.. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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:
Hello I have reached out to you all last year about some items on my credit I know nothing about There is still one account on my credit that I know nothing about Its from XXXX/XXXX. I XXXX  them and it looks like a student loan place. Please have this removed from my credit so I can help my mom get a car so she can have a better car to take my nephews and nieces to and from school. I have contacted the FTC twice and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My assumption process started way back in XXXX on the XXXX, XXXX. I am still waiting! I have made numerous calls and emails to company regarding this. I submitted all they asked for twice by email and once by fax. I received a letter dated XXXX XXXX saying they were denying my application for the following reason, Credit application incomplete they sent me a refund check for XXXX and said processing fee they were keeping of XXXX . I have NOT cashed check. Spoke to XXXX XX/XX/XXXX who said the processor could not give a straight answer as to why it was denied and would send to underwriting and would have them contact me. Called AGAIN XX/XX/XXXX Per XXXX it is on a first come first served basis! Called AGAIN XX/XX/XXXX Per XXXX should have had a status update by XXXX but the loan dept not open that day. Called AGAIN XX/XX/XXXX XXXX said to send her all the documents again that I sent over and she will personally handle it. CRICKETS!!!!! XX/XX/XXXX CALLED AGAIN Spoke to XXXX who said he will take hold of it and contact underwriting and corporate office. XXXX XXXX!!!! 
I am out XXXX $ FOR THIS???? I need to assume this mortgage for divorce reasons. I have been paying this mortgage for 2 years on my own already!! 
I NEED ANSWERS

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 2020-01-03 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: MI

Complaint narrative:
XXXX/XXXX XX/XX/XXXX {$6600.00} XXXX  XX/XX/XXXX {$9200.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX  XX/XX/XXXX {$8800.00} XXXX XXXX XX/XX/XXXX {$290.00} inquiries XXXX XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
in XX/XX/2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with XXXX  twice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.

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 2020-01-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
in XX/XX/2019, two debts were created by the Department of Veteran affairs for amounts of {$150.00} and {$3100.00} for education benefits. The debt was created by the college because someone made it look like I was unenrolled from a course without my knowledge. The debt went to collections and dropped my score 180 points. All the letters from the VA were going to an incorrect address and I was never properly notified of the debt. Once made aware of the debt I instantly disputed it with the VA as an error providing a transcript showing I completed the semester in question, a document I have attached here. After 6 months of fighting and proving the debt was an error they corrected the mistake and show the balance as {$0.00} and I have also attached the letter sent saying it was an error and it has been corrected. I disputed it with XX/XX/XXXXtwice trying to get it removed from my credit report because it was an error. They will not remove it because when it was reported back in XXXX they are saying it was an accurate debt. It was only after 6 months of proving that it wasn't that they closed the account but have not removed it from my credit. The accounts are closed and the balance is XXXX but are still having a significant negative effect on my credit and creating a finical hardship on my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: PA

Complaint narrative:
I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let the payments lapse on this account with XXXX XXXX ( XXXX XXXX XXXX ) but when I was able I paid the account off in full. Which was this year XX/XX/2019. I paid a total of XXXX for them to update this account to reflect positively for me and nothing has happened. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The XXXX XXXX ( XXXX XXXX XXXX ) account has been paid in full, I would like them to update the payment history or just remove the account please so my score can increase and I can move forward with helping my family properly. I will attach the paid in full receipt letter that XXXX XXXX ( XXXX XXXX XXXX ) sent me to this complaint. It's paid so please help me out and update the history of this account so I can better our future.

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 2020-01-03 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: OH

Complaint narrative:
Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC. Included with this complaint are : FTC Identity Theft Report, Letter to XXXX, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: ZIONS BANCORPORATION
State: ID

Complaint narrative:
In XX/XX/XXXX I purchased a second vehicle so my husband and I could have our own vehicles. In XX/XX/XXXX we got a divorce and I ended up with both vehicles and could not afford both payments so I did a voluntary repossession. In XX/XX/XXXX the company filed a judgement against me for an amount they say I owed, which is about XXXX more than the vehicle loan was for. I was not in a financial place at the time to pay off this balance. I did not hear from them again until XX/XX/XXXX at which time I made payment arrangements with them. I asked several times for them to provide me with a break down of the amounts owed, what the car was sold for, a balance after my payments were received. They could not provide this information to me. I made timely payments, and then I did not hear from them again and the payment was not taken out of my checking account. At this time the judgement was also removed from my credit report. As a consumer I assumed the company wrote the debt off. Today XX/XX/XXXX my employer called me and said they received a notice from them saying to garnish my paycheck. I again have not heard from them and have not received any mail notification before they contacted my employer.

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 2020-01-03 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I applied for a credit card with Synchrony using an authorization code. The Authorization code was received in the mail addressed to me. I was approved using this code and once I received the first statement, the promotional APR period was different than what was advertised using the promotional code. The promotional code was for 0 % APR through XX/XX/XXXX and my statement lists the promotional code through XX/XX/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 2020-01-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX i was trying out traffic system, they gave me something else .So i canelout i sent to company, and i went through XXXX  i made complaint, l they refused me too give me my money back.So i went to Capitalone told them.XXXX XXXX was posted.Cancel on XX/XX/2019 i got charge XXXX plus interest fees. Company XXXX XXXX, Capitialone gave me Refund.but Capitalone rebilled me recharge me {$18.00}, for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 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:
on XX/XX/XXXX I filed a report with CFPB ( XXXX-XXXX ) against this company for items on my report due to identity theft I provided a police report and an FTC report even though they removed the items they refuse to delete the inquiries that were also due to identity theft and fraud here are the items there are also new inquiries. When I called the company they gave me a line that they don't remove or dispute hard inquiries which are against the law you have to remove inaccurate information from my report they also claimed that I did not file the above-referenced report with you all I spoke to a Manager who also stated the same facts. This Credit reporting agency needs to be investigated. Inquiry details Miscellaneous Reptg. Agencies  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg.  Agencies XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX  XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, Old

Company response to consumer: Closed with non-monetary relief