vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 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: TX

Complaint narrative:
I submitted an online dispute with Experian on XX/XX/2021 for the OFFICE OF THE ATTY GENER that starts with XXXX as being late. Experian completed their investigations in less than 20 days. No way was this a thorough investigation process. In my dispute, I have requested contract with my signature to prove that this account is mine or its lateness. I suspected Experian requested public information from XXXX or sage stream. Please direct Experian to delete these account from my credit report as being late. Their lack of investigative process was not accurate. By FRCA law and FTC Law, my report must be accurate, no errors and verifiable. I have attached their online result for your reference.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for and received the American Express Hilton Honors Credit Card in XX/XX/XXXX. What prompted me to apply for this rewards card was the advertised promotion to receive XXXX Hilton points after spending {$1000.00} within the first 3 months of opening the account, then another XXXX points when you spend an additional {$4000.00} within the first 6 months of opening the account. I met each of these thresholds on XXXX XX/XX/2021 and XXXX XX/XX/2021 respectively. After several weeks passed by I never received any of the bonus points. After reading all of the fine print buried in the offer terms I found this statement : " Bonus Points will be credited to your Hilton Honors account 8-12 weeks after each Threshold Amount has been met. '' I feel this is poor placement of this information because its not co-located with the promotional advertisement material. 

Next, I waited for the 8-12 week period to expire at which time I still hadn't received the bonus points and called customer service. I was told that the points would be awarded during the next billing cycle. That billing cycle completed on XXXX XX/XX/2021 and the points were still not awarded. I contacted customer service again and was told that my account had been denied for the promotional offer from the time I opened the account and that I was never even eligible for the offer. I had no idea. I was completely mislead for over 4 months by American Express. I am now cancelling the account and wanted to make others aware so that they are not duped like I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gravamen Asset Management Group LLC
State: MD

Complaint narrative:
They have an account in collections along with another company with the same account so two separate collections for ONE account is now on my credit report. I have never used XXXX XXXX! I have also NEVER gotten any notice of this BEFORE collections. Two different amounts are showing.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Hello I had a charge on my file for XXXX XXXXXXXX as the original creditor on or around XXXX of XXXX. That was taken off of my credit file after disputing. 1 month later my credit file updated to a portfolio recovery as the debt collector and change the name of the original creditor from XXXX XXXX to XXXX XXXX XXXX. So it no longer shows XXXX  XXXX but XXXX XXXX  on my credit file. I have sent out several disputes letter to all 3 credit bureaus and portfolio recovery as well asking for original sign agreements that I supposedly have with them or XXXX  XXXX. They only sent out account balance sheet from XXXX XXXX. But hasn't sent me or the credit bureau proof of legal sign agreement with XXXX or portfolio recovery. Can you please investigate this issue and have them to send ORIGINAL SIGN DOCUMENTATION FOR AGREEMENT that I legally owe portfolio recovery or XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Responses from both XXXX and Equifax indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that XXXX and Equifax respond with a similar action and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.

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 2021-10-12 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: FL

Complaint narrative:
I have contacted the credit bureau regarding the incorrect information on my credit report. I was informed to submit my information. I uploaded my information as well as mailed it. The items are still showing and need to be removed.

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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FlexShopper, Inc
State: MD

Complaint narrative:
They have an account in collections along with another company with the same account so two separate collections for ONE account is now on my credit report. I have never used XXXX XXXX! I have also NEVER gotten any notice of this BEFORE collections. Two different amounts are showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lewis, McDonnell & Associates
State: MD

Complaint narrative:
XXXX XXXX has two companies on my report under collections looks like for one account. Ive never used XXXX I had a freeze on my credit for over a year after identity theft issue. I never received any notices about this prior to my credit score dropping due to not one but TWO collections for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
On XX/XX/ I deposited approximately XXXX XXXX in the Kraken exchange I have had my account for more than 1 year and have completed all of the verification levels. 

My deposit is listed as " on hold '' and my withdrawals are suspended. 

I created a ticket to deal with the problem. No representative of the exchange has contacted me to try to resolve the problem. I have made multiple phone calls and was only told " to watch my email. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/2021. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

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 2021-10-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/XXXX Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2021 I paid {$470.00} for Healthcare Insurance with a company called XXXX. 
XXXX mistakenly charged my card twice ( {$470.00} x 2 ) instead of just once. 
I contacted XXXX by phone and also by XXXX through an insurance broker called XXXX XXXX. XXXX says that on their end only one charge is showing. 
BUT on my XXXX Credit Card statement there is clearly TWO CHARGES that posted to the account. I only authorized ONE charge, so the other needs to be removed. 
The insurance broker at XXXX XXXX said two weeks ago that XXXX is going to remove the extra charge, but they have not done it. 
I opened a claim with the XXXX Barclays but they still have not resolved it despite the fact that its an obvious case of a mistaken double charge.

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 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I contacted HSBC on XX/XX/ because I was unable to add a credit card account ( with another institution ) to their bill pay service. As of XX/XX/ their bill pay service has not be fixed and I have not been able to link the bill pay service for credit card account. 

Additionally, I signed up for a promotional account opening bonus using a promotional link on XX/XX/. Terms stated that I would be required to make a direct deposit of {$5000.00} for three months ( XXXX, XXXX, XXXX ). The {$5000.00} direct deposit was made every calendar month from account opening to today ( XX/XX/ ) and I have not received the account bonus yet. I have contacted their customer support on XX/XX/ and they claim that I did not use a promotional link. I know I used a promotional link because when signing up for the account using the promotional link, I was able to save a PDF of the terms and conditions of the promotional account opening. I followed up on XX/XX/ with HSBC customer support and was still denied the promotional bonus. 

I have a transcript of my conservations with the customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Someone opened an account FRAUDULENTLY under my social security through their online system. When I received the first letter informing me of my new account I called right away to have it closed and inquire on how someone can open an account with NO IDENTIFICATION!!! IT was not me to open the account and now they will not close it and they will begin to charge me monthly fees! This company should be investigated for 1. Allowing fraud to happen as clearly they have no mechanism in place to verify identity with online account openings. 2. They have been giving me the run around for 4 months- this started in XXXX 3. They will NOT properly close the accounts even though they are NOT mine

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 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced my house with XXXX XXXX and the loan was sold on XX/XX/2021 to Shellpoint Mortgage Services and On XX/XX/2021 Shellpoint called me to collect a debt of the XXXX payment. However, I had paid the XXXX payment to XXXX. The agent for Shellpoint was demanding payment for XXXX payment not only was paid, but was not a debt to Shellpoint, as they didn't own the loan during XXXX. I believe this practice is in violation of RESPA and other laws.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
The phone calls were made by Ally Financial employees. 

Ive received a great amount of phone calls & voicemails within the last few months. The ones I have on record will be listed below. 
Voice mails XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Missed Calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XXXX calls XX/XX/21 XX/XX/21 Answered calls XX/XX/21 XX/XX/21 These are the calls I have access to at the moment but, XXXX be looking for more. 


Im not sure if Ill be able to request my call log from my cell phone company or not but I will attempt to. On the phone calls Ive noted that I have lost my job in XXXX due to covid and have been interviewing at different places and have been recently employed. Noting that Ive been struggling to pay. I wasnt offered any options other than to pay. I attempted to make arrangements but they werent helping. Theyve also failed to note my intentions. I have also been given extensions to the wrong phone number. Their dealings have been shady. Theyve called nonstop. Each day multiple times a day. Theyve repossessed my car without warning. They came in the middle of the night. This was the second time they did this. Now Im required to pay the full sum if I want it back as well as additional charges. Ally Financial is a shady company, and they do not care about their customers.

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 2021-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: SC

Complaint narrative:
Around XX/XX/XXXX, I submitted a complaint ( XXXX ) via CFPB regarding Aargon Collection Agency 's fraudulent collection practices. Included in this complaint was a cease and desist. I received a response and I followed up via email. 

On XXXX, I sent an email attaching my request for information for this alleged debt along with my identity theft affidavit. I received a response the same day : Email from Aargon Collection received XX/XX/XXXX around XXXX ( identifying information has been removed ) Thank you for reaching out to me directly. I have not seen a previous request to cease & desist calling, or allegations of identity theft with the open accounts before. We have had XXXX ****** accounts forwarded to our office to assist in collecting and 35 are currently open. Our office does not own the accounts and collects on behalf of our clients, which we have business agreements with. We obtained the itemized statements from our client for the 35 accounts and are in the process of mailing them to you with the verification letters in response to your CFPB dispute. The itemized statements show that medical insurance was used and paid- the remainder being co-pays. Are you wanting a theft packet to assist us and our client in the investigation into your current identity theft allegations? 


Around XX/XX/XXXX, I received two large envelopes addressed from " XXXX. '' BOTH ENVELOPES WERE POORLY SEALED AND OPENED WHEN I RETRIEVED THEM. I don't know who my personal health information has bee exposed to at this point. Upon opening these envelopes, I was shocked to find copies of my medical services received on various dates from my health care provider, a total of 35. These letters included my personal patient information, medical condition details, medical id, etc. The letters also state that they are " itemization of services '' and not a bill. Please explain to me how Aargon is collecting on UNVERIFIED DEBT. A summation of services is not validation of debt. 

This is not a duplicate complaint. I am submitting this report on my own behalf. Please forward this complaint to Aargon Agency.

I have never signed a HIPAA release form to release my private medical records to this company. This is a blatant Hipaa violation. HIPAA protects my privacy and medical records from being used without my consent and I plan to file every complaint within my right and file suit as appropriate. 

This company not only illegally possesses my personal health information, they have shared information to credit reporting agencies without my consent or verification of the alleged I am attaching an example of the mailed correspondences I received. 

I will pursue legal remedy for these violations.

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 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was checking my credit report and I saw that my credit score is low. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I learned on XX/XX/2021 that a company by the name of XXXXXXXX XXXX XXXXXXXX has placed a collection on my credit reports without proper notification and validation of debt. I have noted this to all the bureaus before and they removed but have re-inserted the debt without notification to me once again.

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 2021-10-12 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: Mountain Run Solutions, LLC
State: PR

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation