vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX 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 2018-06-07 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: MO

Complaint narrative:
I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: MO

Complaint narrative:
I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX 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 non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX, a customer of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX. On XX/XX/XXXX, we applied for equity loan with the bank : I and my wife, XXXX XXXX. The bank responded with a letter asking us to complete so that it will be able to access our information through the IRS, form XXXX  ; however, we did response by signing and sending the information to the IRS as directed by the bank. Surprisingly, we received a letter from the bank the same day denying the equity loan when the information we sent had not even been processed either by the IRS nor the Annual Credit Repair Request Service. We filed a complaint with the XXXX XXXX XXXX questioning the abrupt suspicious stop of our application process contrary to the previous letter of the bank. The two officials of the bank investigating this matter are : XXXX XXXX XXXX, XXXX-XXXX-XXXX-XXXX and XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX. 
The XXXX XXXX claimed in the letter sent me that we applied for a credit program with TJX reward card. We never did, and had never done any business with this bank ever. However, this was intentionally done in order to sabotage our application with XXXX XXXX. XXXX XXXX is our mortgage company who even refinanced our house, our request for the loan is to repair our house. And we have other things placed into our credit report that are not true, but only used to disqualify our application. It's fraudulent, and should be investigated. You can reach me by phone : XXXX-XXXX-XXXX. Thanks.

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 2018-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have tried to resolve this from XX/XX/17 to the present. XXXX XXXX XXXX said they would pay my final months lease payment because I turned the car in one month early.They checked the car in and there was no damage. I leased a new car from them and 3 months later I get a bill for XXXX from a collection agent. I then started calling Hyundai Motor Finance and the dealership. I have emailed, and sent documentation proving that I am accurate and honest about the sequence of events. After 5 months of fighting with XXXX XXXX XXXX  they gave me XXXX. The entire time I was speaking with Hyundai Motor Finance. I then called them, and put in writing that I would pay the bill, but I wanted this off my credit report. They refuse to correct my credit report. The dealership that represents HMF lied and did not do what they said they were going to do and they damaged my credit. I have 30+ pages of documentation and numerous requests to have HMF remove this from my credit. HMF refuses to acknowlege that they are wrong. HMF has ZERO customer service, and they refuse to accept responsibility for their dealership that represents XXXX. All they want to do is trash my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Haven't been awarded the XXXX Miles in the T & C of the offer when I signed up for Delta Gold Skymiles card ending in XXXX. It hasn't been honored by American Express. We have confirmed that you are eligible to receive the promotional offer and show that youve met the required {$2000.00} spend requirement to receive the XXXX bonus SkyMiles. As a result, we issued XXXX bonus SkyMiles to your account on XX/XX/XXXX which will be available to view on an upcoming statement. However, we dont show that you have met the qualifying Delta purchase requirement as the purchase you made with Delta was for a Gift Card. Purchases that do not meet the spend requirement are disclosed in the screenshot you provided with your complaint with the header Up to XXXX Bonus Miles. We also dont show that youve met the additional {$1000.00} spend requirement in order to receive an additional XXXX bonus SkyMiles. You still have time to meet the spend requirement. For the {$50.00} statement credit, you have until XX/XX/XXXX to make a qualifying purchase with Delta. To receive the additional XXXX bonus SkyMiles, you have until XX/XX/XXXX to make an additional {$1000.00} in qualifying purchases. After the spend requirement has been met, the account is subject to a 6-8 week review before bonus SkyMiles may be awarded to the account. Thank you for your Card Membership. While this may not be the entire outcome you desired, I hope this letter has provided you with useful information. 

As of XX/XX/XXXX, I have met the requirements for the XXXX   Delta Miles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 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: DC

Complaint narrative:
On XX/XX/XXXX, I enrolled in an American Express Offers offer to earn XXXX Membership Rewards points for spending at least {$300.00} at a XXXX property on my Amex EveryDay card. On XX/XX/2018, I spent {$660.00} on my Amex EveryDay card at a XXXX property. Amex confirmed that the XXXX bonus MR points would post after my next statement closes on XX/XX/XXXX ( see attached screenshot of conversation ). That statement closed and the bonus points have not posted. I followed up with Amex customer service via chat on XX/XX/XXXX, and was told the points show as awarded, but not posted and they are refusing to do anything to have them posted to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIERRA PACIFIC MORTGAGE
State: VA

Complaint narrative:
Beginning in XX/XX/XXXX of this year we began working with a mortgage loan officer to secure an FHA loan. During this process we disclosed to the loan officer that we had a federal tax lien and that we had been on a payment plan with the IRS for over two years having never missed a payment. The loan officer assured us that as long as we could show a consistent payment plan for a year that we would satisfy the requirements of securing an FHA loan. Documentation was provided to the loan officer, including bank statements showing the IRS debit and IRS documentation about the payment plan. As we moved forward on the contract for the property, all documents required for the loan were submitted to underwriting. Underwriting came back, and as a condition said we had to pay our current year and back taxes ( tax year XX/XX/XXXX ). We believe we have been misled by the loan officer and as a result this has cost us a substantial amount of time and money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I only became aware of an alleged debt when it appeared as a derogatory mark on my credit report for {$54.00}. As far as I am aware, I paid in full what I owed to the original creditor. If in fact I do owe this money, I was never notified by the original creditor or the debt collector : Credit Service Company XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Late payments for XX/XX/XXXX and XX/XX/XXXX are showing on my credit report.

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 2018-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am attempting to pay additional principal on my car loan each month with Bank of America. My loan payment is approximately {$420.00} per month. I pay on average {$750.00}. Rather than applying my extra payment to principal, they are charging me future interest and extending my next due date. I have called multiple times and I have not received a valid explanation. Finally, they indicated I would have to go into a branch each month to request the extra be applied to principal. This is simply not feasible. They continue to overcharge on interest because their online system can not " process '' the extra payments correctly. This is simply BofA stealing money. Today is XX/XX/XXXX and I made another payment. My next due date is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank had charge off the account on XX/XX/XXXX and I contuined to make seven addition payments after the account was charged off on the amount of {$150.00} that were never included as part of the payments but the money was never returned. 

Payments collected after charge off date : 1. XX/XX/XXXX - {$150.00} 2. XX/XX/XXXX - {$150.00} 3. XX/XX/XXXX - {$150.00} XXXX. XX/XX/XXXX - {$150.00} 5. XX/XX/XXXX - {$150.00} 6.  XX/XX/XXXX - {$150.00} 7. XX/XX/XXXX {$150.00} The account was sold to a collection agency. I have requested that Synchrony Bank to submit validation of the amounts paid under the Fair Debt Collection ACT ( FDCPA ), they have not answered and have refused my request. This is clearly a violation of the the FDCPA laws and my rights.

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 2018-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have been receiving a LOT of calls from this company PORTFOLIO RECOV Its an ongoing issue with this company they call me after XXXX XXXX XXXX  XXXX ... I have listed the numbers involved XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX XXXX XXXX called XXXX XXXX   XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX called after XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX  XXXX called XXXX XXXXXXXX  XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX   XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX called XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX PORTFOLIO RECOV XXXX XXXX XXXX Called after XXXXXXXX XX/XX/XXXX PORTFOLIO REVOV XXXX XXXX XXXX called after XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MD

Complaint narrative:
XXXX XXXX failed to disclose : I hired XXXX to assist with negative claims on my credit report. I informed them directly that I was doing so to get a mortgage. They filed a set of disputes. When I continued my efforts to get a mortgage, 100 % of mortgage companies contacted said they couldn't proceed toward a mortgage with disputes showing on my credit report. As I had just moved, and was living temporarily in a hotel room, this waste of time and money was highly disconcerting. An even more significant trouble was getting the disputes removed. XXXX XXXX was no help, and as before, the credit bureaus have a highly difficult phone answering system to get through. The initial 3 phone numbers for the bureaus that XXXX XXXX provided took me several hours to get through, and ultimately dead-ended. I then received 3 new numbers from another source, and after an hour on the phone received confirmation that the disputes were removed. Then a week later a mortgage company tells me they're still showing! Frankly, I'm in mortgage and credit report XXXX-the credit system allows a company to file fraudulent claims for payment, and we the consumer are presumed guilty. There is a whole industry based upon this lapse in our system ... of which XXXX XXXX is a part. Companies now find it in their favor to make false claims, easily turn them over to collection agencies. They both know that the sums of money aren't enough for a consumer to hire an attorney. 'Credit Repair ' companies then feed the fraud, when there isn't a legal basis for their statements ... the basis for their 'credit repair ' is simply the hope and prayer that collecting entity will simply fail to respond within 30 days. This is fraud upon fraud. To make it worse, the credit bureaus are a money-grubbing effort,  unconcerned about the consumer. Today, XXXX sends me a email saying my dispute is resolved, and give a link to view it. It goes to their site, but when pushed, it simply returns to the home page. They're fraudulently indicating I can view the report without being a paying member, yet I can't see it! Another part of this whole fraudulent process!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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:
There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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:
There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.

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 2018-06-07 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:
There is an account reporting on my credit file that is not mine. It appears on all three bureaus it's with a company by the name of XXXX XXXX for a medical provider named XXXX XXXX XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX so this can not be mine. I have disputed it with the bureaus over 2 months ago and they never responded, yet it does appear on my XXXX XXXX. I did supply all the proper documentation that the bureaus requested and they have not even responded to my request.

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 2018-06-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
Springleaf finance in XXXX Ga. back in XX/XX/2015 I call Springleaf about a loan of XXXX dollars and to pay in full in 36 months, I was told to come in the next day bring my wife to co-sign on the loan which I could got on my own. Me and my wife was told the loan was for 36 months on the paper work was 36 months which we both read in full we e-sign to loan papers but the lady said there was a mistake on the paper work and had to reprint the loan paper work but was very, very nervous shaking with this new paper work I read and e-sign the loan of 36 months my wife read and e-sign the same paper on 36 months, the woman was shaking so bad after we had sign the papers when was giving them to us alone with the XXXX dollars. we got home we found out the there was a bait and switch on the paper work of 48 months which we both read before signing of 36 months please check the hard drive on there computers if they haven't erase it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA

Complaint narrative:
I was trying to purchase a XXXX XXXX cleaner, we did the paper work to run my credit on Thursday XX/XX/XXXX, and i was under the impression they had only one finance company. They have since ran my credit three times without my knowledge, and dropped my credit score drastically. I cancelled the purchase Tuesday XX/XX/XXXX. I don't know if its legal or illegal, but they did it without contacting me on the other inquiries.

Company response to consumer: Closed with explanation