vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-27 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: MI

Complaint narrative:
Someone applied for credit using my identity to buy a mattress which was delivered to a house that is not mine. After finding this on my credit report, I worked with XXXX XXXX fraud department ( XXXX XXXX purchased the debt ) and they concluded that I did not authorize this purchase. I have attached a copy of a letter from XXXX XXXX indicating that these charges were not authorized. 

As a result of their investigation, XXXX XXXX updated the credit agencies. These false accounts were removed from XXXX and XXXX ; however, they were not removed from my Experian Credit Report. 

I disputed these charges through Experians online dispute system. I was not allowed to upload an attachment to provide evidence. My dispute was denied ; however, I was not provided any evidence or rationale. 

I submitted a complaint to the Consumers Financial Protection Bureau ( Complaint Number XXXX ). XXXX XXXX once again confirmed that the debt was not mine ( see attachment ) and they re-sent letters to all 3 credit companies. 

Experian still has this fraudulent account on my report and it is preventing me from refinancing my student loan debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX  does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX  refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

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 2018-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
Hello, I contacted this agency earlier this year to assist me in getting my 2017 school taxes paid after my old mortgage servicer, XXXX of Virginia failed to do so. In working with my new servicer, Select Portfolio Servicing , Inc of Utah this was finally accomplished as SPS paid them. 

I recently received an escrow account analysis from SPS. They are claiming that when they received my account from XXXX the escrow account was short. They have raised my mortgage payment XXXX a month. After two phone calls with SPS totaling 90 minutes they are acknowledging that the shortage came from them have to pay the school taxes that XXXX didn't pay. 

Essentially I'm being made to pay those school taxes twice. I asked SPS why they don't go after XXXX for those monies. I was told " that's not what they do. '' I was also told that this is an " unfortunate situation '' How can I be responsible for the taxes XXXX didn't pay when I paid my mortgage every month and those taxes were part of my payment? 

More concerning is where are the monies that should have been used to pay my taxes if XXXX didn't use them to pay my 2017 school taxes. 

Maybe this should be looked at by the State Attorney General 's office. 

I look forward to your response. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 
I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 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: GA

Complaint narrative:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

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 2018-11-27 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: GA

Complaint narrative:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: GA

Complaint narrative:
2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.

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 2018-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My wife and I froze our credit in XX/XX/2006. We have been able to unfreeze it from time to time as needed. We recently unfroze it with Experian and now in order to freeze it again, they are demanding that we enroll in an expensive credit protection plan. We feel that this is a kind of extortion. We merely want our credit re-frozen the way it was before our last request to unfreeze it.

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 2018-11-27 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: MD

Complaint narrative:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber   incident monitoring service which identifies possible fraudulent activities on one or more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to Experian to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

Experian refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

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 2018-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I keep getting calls from this company - Portfolio Recovery Associatess- calling for my DECEASED EX-MOTHER-IN-LAW - XXXX XXXX XXXX 
She passed away over FIVE YEARS AGO. HER DEBT HAS NOTHING TO DO WITH ME. 
I DIVORCED HUSBAND 10 years ago. 
THEY ARE ALSO CALLING MY XXXX year old daughter. Which is upsetting her every time they call about her grandmother, who she misses dearly!!!! What is wrong with these people?!!! 
Do I need to hire an attorney?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
My American Express credit card payment was due on XX/XX/XXXX. I went onto the app to pay it and for some reason it did not go through. Not sure if the mistake was on my end or the company. On the XXXX i noticed the funds didn't come out of my account i went in and paid it. I was assessed a {$27.00} late fee. Because i have been a customer for a couple of years and have not had any late fees, i decided to call American Express on XX/XX/XXXX to see if they would consider rebating the fee. I spoke to a young man who told me it was absolutely no problem, i would have my money refunded to me in 24 hours. He then went on to try to sell me upgrades and products which i declined. 
On Friday, XX/XX/XXXX i noticed that the fee was not refunded so i called again and spoke to XXXX. She apologized for the previous representative and said that he never submitted a refund. She stated she would take care of it and the refund would be on my account in 24 hours. 
On Monday XX/XX/XXXX still no refund. I chatted ( online ) with customer service and and they told me that XXXX and the first rep submitted the rebates however they were declined. They said both reps knew they were declined and should not have told me they were approved. 
On XX/XX/XXXX i called again and spoke to XXXX who apologized profusely and said that she didn't know why they lied- however she believes its because they didn't want to upset me. She assured me that she was escalating to a supervisor and also filing a complaint. She told me the supervisor would approve the refund and i would see it by today, XX/XX/XXXX. There is no refund today. 
If they couldn't rebate the fee, they should have told me that and i would have accepted it. I don't believe it is ethical to lie to a customer just to get out of what you think is going to be a difficult conversation. It unethical. And given the fact that the first gentleman immediately went into a sales pitch after he lied to me, i believe the conversation was a UDAAP violation as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I opened a checking account and a savings account late XXXX, 2019 with citibank under a promotion they were running where you would get a {$400.00} bonus if you opened both accounts and put so much money in the account for 60 days. I did meet the requirements and had not received my bonus money so I called. I was told I had to wait another 90 days to receive the bonus money, so it should be in my account middle of XXXX. I just called today to inquire and the gal originally said I had to wait until XXXX for the bonus. After I explained to her what 60 days plus 90 days equals in months she proceeded to calm down and look into it further. After being on hold for 10 minutes she came back and said I should have been paid last week but for some reason I wasn't and she would have to transfer me to someone that dealt with online bank accounts. She proceeded to hang up on me. I would like my {$400.00} bonus money paid as agreed by 2 parties now that said I met the requirements for the bonus money, as well as a look into the poor customer service I received on the phone today. XX/XX/2019 roughly XXXX central time. Thank You.

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 2018-11-27 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2018, I received a notification from XXXX, an OMP cyber incident monitoring service which identifies possible fraudulent activities on one or  more credit reports. According to XXXX, on XX/XX/2018, someone reported use of an incorrect address ( XXXX, MD XXXX ) on my credit report. XXXX does not show the entire address but instructed the consumer to reach out to the credit reporting agencies to obtain said information and dispute any inaccurate information on report. 

On XX/XX/2018, I immediately reached out to XXXX to find out who reported this incorrect address, how it was reported, and a complete address to dispute. 

XXXX refused to provide this information or allow the consumer to dispute the inaccurate information contained in the consumer credit report with full knowledge if someone tried to report a new address most likely will attempt to commit a frauduent act. 

Under the FCRA the consumer is entitled to this information and afforded an opoortunity to dispute and have this information removed from my credit report. In addition, the consumer should be allowed to have said incorrect address immediately removed prior to any attempt of fradulent activities and should not have to place a fraud alert on their consumer report which is a major inconvience if the consumer in the process of obtaining additional lines of credit.

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 2018-11-27 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: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
In 2017 I opened a credit card with Navy Federay Credit union. The advertise a program for Senior enlisted Military personel where your transfer balances are intrest free for a year an purchases are intrest free for 6 months. I never checked behind Navy Federal to ensure that this was completed because Navy Federal is normally on point. It wasnt until it was brought to my attention by a Navy Federal loan representative after applying for a loan that I was not receiving my benefits. The representative immediately had me provide documentation of my rank an submitted the paperwork to have my account credited back the intrest I was charged. Navy federalcrefit card back office denied the claim an stated that since it had been over a year since the mistake they will not do anything an claimed that I opened the account online, when I spoke with a representative to open account because at the time, navy federal had allowed my exhusband had fraudulently added me on his account an we were fixing it on line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2018-A merchant advise ( XXXX Content ) that their company could conduct fine line editing and proofreading services. I was told to pay {$220.00} and to give them three days. The three days turned out to be a forgotten one month with lost documents which, the company states never received but, to the finding the company did not understand how to do proofreading or editing as suggested. The company also stated will do proofreading editing within 3days and have a 100 % customer satisfaction. I company lead me on for a month and could not do the job. I called paypal to dispute the transaction and paypal said I have a 100 % no liability and have knowledge that I went to XXXX  ( aka -XXXX XXXX XXXX ) company to get the document done. Paypal then on XX/XX/2018 after XXXX XXXX gave an inaccurate response stating it was a thesis editing and proofreading of over 6000 words which, they took my work including the reference and illegally tried to claim as their own. Paypal gave send XXXX  a letter stating XXXX XXXX was valid which, It was against federal law and their own policy to help a company like XXXX to deceive people for service.Paypal has a history of allowing merchant to fraud customers without taking actions against them as it was agreed in their terms and conditions of using paypal system.Paypal transaction number is XXXX -- - Detailed info -- Case details Seller information XXXX XXXX XXXX XXXX Invoice ID XXXX Transaction amount {$220.00} Transaction ID XXXX Disputed amount {$220.00} Dispute reason Item not as described Company I went to correct the error -- Was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My problem is with Equifax not providing me with my credit report. I have filed a dispute with them and they in return provided me with a dispute confirmation number. I am still unable to access my report even with their provided confirmation number. I enter in the confirmation number and all my personal information like SS # name address phone number then they start asking questions about accounts and loans that have nothing to do with me and in the end say they can't confirm my identity. If they have all this info and say they can't confirm my identity, then they are falsely representing who I am and my account activity if they can't verify who I am. So what I'm saying is their information is so erroneous they can't verify who I am then they can't accurately report my credit but because they won't give me access to my report I can't properly dispute the bad information they have in my file. According to FCRA they have to verify all information and remove any incorrect, incomplete or false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Automated Accounts Management Services
State: CA

Complaint narrative:
AAMS ACCOUNT NUMBER XXXX BALANCE OF XXXX THIS DEBT IS NOT MINE. I DONT OWE AAMS ANYTHING

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: S.O.S. Loans, Inc.
State: CA

Complaint narrative:
This company has continued to call me at work. I have told them multiple times that I can not take calls at work. The most recent call was by XXXX ( for the second time ) at XXXX on XX/XX/18. I told him previously this was not a good number and I can not take calls at work. He calls again and I say the same thing and he says " oh no this is a great number to call you at ''. He poses as a customer in order to be transferred to me.

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