vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/2021 a card was opened in order to receive a promotional offer. This offer included XXXX XXXX XXXX miles and a {$250.00} credit, if applicant spent XXXX dollars in the first 3 months of opening card. 

This promotion was not honored- so costumer service was noticed ( 5 ) times. It appeared another account was made with the writers social security number. 

I was not able to dispute this account, as I was told that the bank needed to contact the other party to ensure it was not a typo. I have contacted the bank for updates and was told that they could not share the process for security purposes. At this time there is no resolution in my case. I was never given my promotion.

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 2021-11-02 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: TX

Complaint narrative:
These accounts do not belong to me, please remove under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: TX

Complaint narrative:
These accounts do not belong to me, please remove under 15 USC 1681c-2.

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 2021-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NAVY FCU ( Finance ) XX/XX/XXXX, XXXX Never been in the military XXXX XXXX XXXX XXXX - I have never worked there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used cash app to send a friend XXXX $ she never received it I reported it to cash app they said she had to do it from her app because it showed as complete. She also contacted them several times and they said I need to I reached out again and was given the same reason I also sent screenshots of her conversation on cash app where they said I had to and was told she had to contact them and although we both gave them photo proof she didnt get it they refused to refund my XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent Transworld Systems a letter requesting validation of a debt they claim I owe. My letter requested for evidence of this alleged debt including my signature. Transworld responded with insufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I Was Effected By Covid 19. I Lost My Job. Now I Have All These Late Payments On My Credit Report And Id Like Them Removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the response of XXXX, XXXX, and XXXX about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : 1. SHELLPOINT XXXX Balance {$320000.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from American Express ( AMEX Bonvoy ) with a partner offerIf I signed up for an annual membership with Clear they would credit me back the {$170.00} annual fee if I used my Bonvoy card. 

I opened up the annual membership on XX/XX/XXXX and then sat back and waited for AMEX to credit me back the {$170.00}, but after five weeks and an entire billing cycle had lapsed, I contacted them on XX/XX/XXXX. 

I opened a ticket and explained I followed the steps in the email but they closed the ticket and never sent me a notification of the cancellation. 

I called again today and after speaking with the department that handles " unfulfilled offers '' they told me that because I did not " add the offer to my card through my online account '' they could not credit me back the {$170.00}. I escalated it to a supervisor and told him the large type in the middle of the email said nothing about adding the offer to my card first, but he rebutted with " well, it's in the small print terms and conditions '' at the bottom of the email so those are the terms they stand by. 

Bottom line I have no recourse through that department. I called back to the regular customer service and demanded they give me a service credit for the inconvenience, and, shockingly, even after being escalated again, they did not grant that as well. 

I've been a member of AMEX since XXXX and have had 3-4 cards with them. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

This company is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Below is the erroneous account reporting on my Credit Report : 1. CAPITAL ONE XXXX Balance {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I've been contacting CAPITAL ONE BANK USA about their error. They are reporting an incorrect/false information. Account involved in litigation " an incorrect high balance and inaccurate date of last activity " REAGED ACCOUNTS '', " reinsertion without proper notice '' a charge off was listed. 

THEY HAVE TO DELETE FALSE INFORMATION AS IT IS HIGHLY DAMAGING ON MY CREDIT REPORT. THEY SHOULD DELETE IT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
report in accurate information says i had late payments XXXX and XXXX of XXXX & a repo in XXXX of XXXX. This is incorrect and wrong If you can see on my bank statements i have paid for XXXX in the XXXX statement I paid $ XXXX on XX/XX/XXXX and I paid $ XXXX, for XXXX on the XXXX of XXXX and XXXX i paid for that on the XXXX of XX/XX/XXXX I paid $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting unverified and unvalidated accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. There is no signed contract between myself and the alleged debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
XXXX XXXX stole my phone and made transfers to his friends from my account and stole my money. I contacted current bank right away and they checked into it and said there was no errors and I would not get the money back or anything done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: NE

Complaint narrative:
Today XX/XX/2021, I received a notice from Credit Corp Solutions that I owe {$940.00}, reference XXXX. It indicates the original creditor is " XXXX ''. I only charge {$78.00} for payment by XXXX, and have automatic payment on balance due. Credit Corp Solutions is trying to scam from me, a senior citizen ( XXXX years old ) out of the {$940.00}. I have contacted XXXX. I have been unable to make contact with Credit Corp Solutions. I have file complaint with Nebraska Attorney General. 

Credit Corp Solutions , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CFAM Financial Services, LLC
State: PA

Complaint narrative:
I opened a vehicle loan in XX/XX/XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!

Company response to consumer: Untimely response
Consumer complaint received 2021-11-02 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express moved me from paper statements to paperless billing without my knowledge or consent. I do not have an online account. I never signed up for paperless and I don't want to. As a result I receive NO bills and my payments are invariably delayed. 

I have tried multiple times to fix this situation with American Express by requesting a return to regular paper bills. American Express refuses to do this - even though the move to paperless billing was not authorized by me in the first place. 

Any help you can give would be appreciated

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I called the attorney that represent the agency and made an offer, because I was served on XX/XX/2021. They would not settle. The account was sold to a collection company and the amount is incorrect. Going to court will take time and money and will cause a bigger set back for me due to my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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:
I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : 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 2021-11-02 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: KY

Complaint narrative:
XXXX XXXX Transunion, XXXX, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!

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 2021-11-02 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: KY

Complaint narrative:
XXXX XXXX XXXX, Experian, XXXX... this company have done countless disputes some where answered and some they never even investigated. They have wrong information reporting for the last 5 years. They said it is accuracy and verified never investigated none of my complains. I only had one loan open at a time. And they made accounts that where good mixed them bad payments and on the other accounts that i opened with them they reported different information on accounts that's already closed. They refused to help me in this matter. XXXX deleted the whole accounts and then XXXX reported new information after 5years of disputing XXXX near. I wanted the accounts 100percent perfect payments. Its destroyed my credit and I cant even get a loan because of these people not doing there job. One lady at XXXX XXXX threated me and said the people that was helping me are amatures that she will make all of it bad or change the information to bad. They have dilibratly try to keep me i n the web of subprime and the world of bad credit. Please investigate!!!!!

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 2021-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, tried to reach the Credit Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent received an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Sequoia Financial Services
State: CA

Complaint narrative:
XXXX is reporting unverified and unvalidated accounts on my consumer credit report. I do not have a relationship with the alleged debt collector. There is no signed contract between myself and the alleged debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Dear Sir or Madam Under XXXX Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX & XXXX. 
I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 
I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX in the amount of {$8400.00} based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request.

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