vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 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: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: VA

Complaint narrative:
I submitted a dispute with Equifax, XXXX and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent Equifax a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This company refuses to complete an investogation to my concerns, I provided documentation that one item had been paid to the company before, it went to the collection agency, the next one I proved more documentation about the medical bill but Equifax refuses to address my concerns. 
PAYMENT HISTORY Note : Insurance paid {$510.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$120.00} XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX You have 100 % left to pay on this collection. 

Balance {$110.00} Highest Balance {$110.00} Opened Note Paid by XXXX PAYMENT HISTORY Note : Insurance paid {$450.00}. 
Date Amt Account Paid To Reference ID Status Processed Date Method Notes XX/XX/2020 {$110.00} XXXX XXXX XXXX XXXX XXXX Released, Cleared XX/XX/2020 XXXX The company refues to up date or dispute our accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!

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 2020-11-28 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: FL

Complaint narrative:
I my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted Navient customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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 my complaint is with my loan services XXXX. In XX/XX/XXXX. I experienced a hardship and found myself homeless. I was living online hotels and shelters with my XXXX  year old son. I was having such a difficult time that my loans fell out of deferment. In XXXX I contacted XXXX customer service and explained that I was homeless and need to request assistance. I was advised by the representative that I qualified for hardship and that she would retroactive the account status back to the initial time that I was evicted. The representative explained to me that she would send the request to the credit department and that my account would be brought back to current. I was asked to allow 30 days. The next month I checked my credit report and it was still showing the 90 day late status. I called again and was advised again that the credit department will update the status. This never happened. In XX/XX/XXXX. I submitted a good will dispute as advised by the respective to the credit department at XXXX. Never received a response. I made several phone calls to XXXX about this issue over the past almost 2 years. To no avail. The representatives are not helpful and they do a poor job of communicating and documents. I even uploaded my eviction documents as requested to the portal. I submitted 2 other disputes because I was told that they can not remove the lates payments. They have been servicing my loan since XXXX and my credit report shows several months of no reporting of data. They have never accurately reported the status of my loan. By law according to FCRA. They are required to report complete and accurate data. They have missed 6 months of reporting in most of the years of my loan. I also showing 3 different account numbers being reported on each of the Credit Bureaus, which is a clear violation of FCRA 609. I argued that how can you report a late payment on a hardship, but also not report accuracy each month on my loan? I'm asking that ALL inaccurate and derogatory entries be removed from my credit report IMMEDIATELY!

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 2020-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is trying to collect on bills ice already paid. They opened a case against me when I have not seen them in over 2 years. Their case was opened on XX/XX/XXXX and my last appointment with them after I paid for my appointments was in XXXX, before I fell off my dads insurance because I'm over 25. I never received any mailing notifications for this debt, they just opened a case against me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: LEXISNEXIS
State: TX

Complaint narrative:
hapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date XXXX XXXX XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: NC

Complaint narrative:
I opened an Amex Hilton Aspire card in XX/XX/2020 and paid my federal taxes ( like I and countless others do every year with a rewards earning credit card ) in XXXX. I met the minimum spend within the 3 month timeframe to earn the XXXX Hilton bonus points. 

After noticing it was taking longer than usual for my bonus points to post, I contacted Amex via chat on XX/XX/XXXX. The agent said to not worry because I met the minimum spend and to wait 8-12 weeks. I was told this again when I inquired later on XX/XX/XXXX. 

I contacted Amex again on XX/XX/XXXX via chat and was told my tax payment did not count towards the minimum spend and the time to meet the requirement had passed. 

In summary, Amex told me I met spend back when I contacted them in XXXX, then later told me I didnt when I contacted them at the end of XXXX. Also, they did not acknowledge that it was their fault that I didnt make spend. 

1. Their terms and conditions do not say paying taxes doesnt count towards minimum spend. And a simple XXXX search will show others have paid taxes and received the bonus. 

2. If the agent would have told me during our XX/XX/XXXX chat that minimum spend was not met, then I would have found a way to meet the requirement by the deadline. Instead, the agent told me I had met the spend. 

I have argued this with them to no avail since XXXX. Amex does not hold itself accountable for stealing what belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-28 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Back in XXXX, derogatory data appeared on my Experian Credit Bureau report. The trade line that was reported is Management Support. I advised Experian at the time, I had no idea who they were. Fast forward to present, the derogatory info still appears. I contacted Experian by phone, in part to complain I was never notified of the results of the XXXX dispute, after which I was advised that Experian was informed by Management Support, that their reporting was legitimate. I WAS NEVER INFORMED OF THIS! When speaking to the Experian rep, he advised they were representing XXXX. A ha - I fully know who XXXX is. It's an apartment rental community I lived in, back in 2017. Although I will provide you with detail - - the gist is, after living there for a few weeks, the apartment was infested with ants, and uninhabitable. I advised Experian of this in great detail. I attempted to submit compelling documentation electronically, however, the Experian website, had a technical difficulty in receiving it. Therefore, I proceeded to mail detailed to them in support of my case. The amount in question is {$2200.00}. As an aside, when contacting Experian again, the same day, a representative did not see a dispute lodged against Management Support. It was lodged against XXXX ( where I do not have a dispute ). The 2nd rep I spoke with rectified this on the bureau report. Hadn't I not called, a dispute would have been erroneously filed against XXXX. 
I'm writing to you in order to provide regulatory oversight and intercede to get this matter adjudicated.

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 2020-11-28 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: VA

Complaint narrative:
I submitted a dispute with XXXX, Experian and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent XXXX a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).

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 2020-11-28 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:
Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Harris Bank N.A . is claiming not to have received an XXXX payment that in fact shows received. I have been speaking with a representative in the compliant department since XX/XX/2020 and he too is having difficulty having the account reconciled. I have also filed a compliant with the XXXX XXXX XXXX. The XXXX closed the complaint as the business claimed to have sent me a letter. The letter I received was that I still owe a payment. Prior to this, I was speaking with Customer Representatives over the phone that were unable to figure out why the payment was missing. I have statements showing the business has taken the money from my account .... 

- XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$770.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$750.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$760.00} ( applied to the XX/XX/2020 amount due ; the statement received showed a balance owed of {$480.00}. The representative I spoke with claimed the account would resolve itself as I have been making the payments. So, just to make my normal payment. ) - XX/XX/2020 = {$720.00} ( applied to the XX/XX/2020 amount due ) - XX/XX/2020 = {$43.00} ( applied to the XX/XX/2020 amount due ; this was due to a Representative calling me and telling me if I paid this, I would be current, owing a payment for XX/XX/2020 ). 

I have yet to receive my XXXX statement ( and never received a XXXX statement ), which I was hoping to see the account reconciled. However, instead I received another letter stating that I missed my XXXX payment. I'm not sure if the bank is failing to apply the payment and keeping it in unapplied funds ( this was a theory of my Complaint Representative ), but this needs to be resolved. The compliant Representative XXXX XXXX has not returned any of my calls or emails since XX/XX/XXXX and his Manager XXXX XXXX has declined to get involved. Another email address that has fallen silent is XXXX. This is the email address Representatives keep giving to submit for review. I have emailed this email address four times to try and get a response. Just to be clear, I have emailed the XXXX address, made two complaints on the BMO website and two complaints on the XXXX with still no resolve.

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 2020-11-28 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: TX

Complaint narrative:
Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX 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 explanation
Consumer complaint received 2020-11-28 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolvedshow tooltip XX/XX/XXXX Responsibility Joint Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have been having issues making payments due to Covid-19 so On XX/XX/2020 I reached out to Wells Fargo for assistance with my XXXX XXXX line of credit. They told me they wouldnt help me since I had received help at the beginning of the pandemic. I was told this will go on my credit as CLOSED ACCOUNT and it would be a negative mark. This is absolutely ridiculous that Wells Fargo refused to help its customers during an ongoing pandemic. I will be posting my experience on social media!!! Im sure many others are experiencing the same problems with Wells Fargo.

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 2020-11-28 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: TN

Complaint narrative:
I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. 

XXXX - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX  - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN 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