vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
This complaint is against Synchrony Bank. My spouse XXXX  on XX/XX/XXXX. Approximately XX/XX/XXXX I called to advise them of my husband 's XXXX  and they informed me the account would be closed as I was not the primary cardholder, but I could reapply. Due to a Social Security error, I was also reported dead. I had reapplied under my own name and the card was issued. I had made one purchase prior to the new card account being closed also. The card was rejected at a XXXX XXXX in XXXX OK on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX told me I could reapply but they could not reopen the account. This WAS the card I had reapplied for. After 3 hours on hold ( XXXX through XXXX ) and seven transfers I was told there was absolutely nothing they could do to reopen the account, but I could reapply a second time. They also couldn't say if a new account was protected from closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I had a credit card with this company that I ALWAYS PAID ON TIME and I paid it completely off at least once and made huge payments on a monthly basis. I'm a XXXX and my income was impacted by Covid ; I communicated those struggles to Amex and was eventually was offered to enroll in a Hardship program. I enrolled and have been current ever since. However my credit report is reflecting 30 days late for 4 months ( XXXX, XXXX, XXXX & XX/XX/XXXX ). My credit score was in the high 700 's and now I'm in the low 600 's. I've called Amex numerous times asking for help but received rude, poor customer service and no help. I've disputed with the credit agencies multiple times and have had little to now change. It would be nice to have them removed but at this point, I'm simply asking for the 30 days late to be changed to ND ( national disaster ) so my score isn't negatively impacted. I've attached a copy of my XXXX  payment history below for your review. Please help! 


Account Name : AMERICAN EXPRESS Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Status : Open. 

OK+ Show 2 more years Payment history guide 30 days past due as of XX/XX/XXXX to XX/XX/XXXX Contact Info Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/2021 I sent Midland a letter asking to validate debt, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, I received no response. 
On XX/XX/XXXX, XXXX I sent another letter I sent a follow up letter, regarding Fair Debt Collection Practices Act, 15 USC 1692g and also noticed the date on the account had been changed ( RE-AGED ). and I still have not received any response. But somehow the bureaus comments are updated that it meets FCRA requirements. 

On XX/XX/2021, regarding above mentioned items, and still have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA
State: CA

Complaint narrative:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the Fedloan Servicing and the XXXX the issue was not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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:
I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a replacement card for my Visa card which doesnt expire until 2015 and it was a MasterCard not a Visa. 
I called Capital One on XX/XX/XXXX and was told I needed to close my Visa account because I havent been using it at stores where Capital One makes money. I said I need Visa in order to shop at XXXX. The man repeated his statement. 
I have not activated the unsolicited card and I have continued to use my Visa card and will continue to do so until it expires. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.

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 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the experian. the issue was not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have 2 PROBLEMS with EXPERIAN that are ONGOING and EXPERIAN refuses to FIX THE PROBLEM AFTER NUMEROUS attempts. 

1. With the Pandemic Free Annual Credit report allows you to get a copy of your credit report weekly. EXPERIAN REFUSES TO ALLOW this and has my account targeted since contacting the CEO years ago. I want my file RELEASED FROM THIS SPECAL DEPARTMENT and the ABILITY TO VIEW MY CREDIT AND MAKE DISPUTES ONLINE. 
THIS IS RETALATION ON THE PART OF CONTACTING CEO XXXX XXXX. I'm being discriminated against and treated differently than every other person. 

2. I CAN NOT file a dispute online for the same reasons stated above. My file is in some secret department, with incompetent reps who have lied to me. I want my file released from this department TODAY. Whenever I want to file a dispute, I have to call in. When I call the number provided, they have to transfer me to another secret department when I'm on endless hold with incompetent reps. THIS WILL TURN INTO A LEGAL MATTER IF I CAN'T DISPUTE THE WRONG INFORMATION ON MY CREDIT REPORT ONLINE WITHOUT THE AID OF A HUMAN BEING, AND IF I CAN'T GET A COPY OF MY CREDIT REPORT WEEKLY LIKE EVER OTHER HUMAN BEING IN THE UNITED STATES OF AMERICAN. I WILL NOT ACCEPT A FORM LETTER REPLY AND WILL TAKE LEGAL ACTION IF THIS SCAM IS NOT LIFTED TODAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
This is the worse company EVER. I have been trying to get a BOE and title to my car for almost a year. Over the last several months, I've talked to 17 employees at the finance department. They make promises they do not keep. They submitted my bill of sale to CA DMV in the wrong amount and the CA DMV says I didn't pay the correct amount of taxes. They finally sent me a copy of the bill of sale Which had the wrong sale date and the wrong amount. omg, THEY ARE XXXX!!!! Every time I call I have to tell the story over and over again. They always have different information from my previous calls. I spoke to a supervisor, XXXX, operator # XXXX on XX/XX/2021. He gave my his word of honor he'd call me the following Friday, XX/XX/XXXX. I never received a call. When I called today, the first person I talked to said the " call was disconnected '' That's XXXX, I never received a call. They lie to customers. They are not organized. Seriously, their " customer support '' ( Laugh at Customer service ) There is nothing service orientated about this MESSED up company. Here it is over a year since my car was paid off. I can not get my pink slip, a correct BOS or BOE. I filed a complaint with the XXXX, consumer reports and any other agency I can find to do so. I need help please. I attached the wrong information they ( Kia ) sent me and the correct information of our payoff amount through my credit union.

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 2021-07-12 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is reporting private student loans late by 120 days. The loan was approved for deferment/forbearance in XXXX. 

Navient is reporting XX/XX/XXXX : 60 days, XX/XX/XXXX 90 days XX/XX/XXXX 120 days LATE XXXX  does not have any late payments. XX/XX/XXXX account was current. 

Approval letter for Forbaearance sent XX/XX/XXXX, for forbearance period XX/XX/XXXX to XX/XX/XXXX Navient responding XXXX XXXX stating that there was previous delinquency but myself and XXXX  do not see where these previous delinquencies occurred or are. 

Navient is stating they will not correct my credit report. This gross misreporting has hurt my credit score tremendously even after paying off one of my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have a well established record with the lessor ; this is my second lease with them. My payments are made automatically through my Bank 's Bill Paying Service - always on the same day, always on time. In XXXX, 2021, the lease payments increased by {$2.00} per month. I did not become aware of the change until a call from the lessor, in early XXXX. The employee who called me was congenial and understanding ; I immediately paid the difference and corrected my banking records to fix the small shortfall. But I never expected what came next - a notification from my Bank that my credit rating had been downgraded significantly. I called the lessor - after many years of perfect payment record, I expected they would understand my position that payment was made, but I neglected to include the additional {$2.00} until it was brought to my attention. Their response was positive at first, but according to XXXX, the lessor insists the entire payment was late. As a result, my credit rating has been harmed and with the car lease expiring soon, I will no doubt face a rate increase with the next vehicle. I am in my late XXXX 's, and although I read all my emails, I readily admit do not keep with all the promotions that show up on my in box ; many are for burial services, anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
Received an initial loan estimate with {$850.00} lender credits. A subsequent loan estimate was provided with only {$750.00}. I inquired why the credit was reduced was told it was property type. Asked it the original {$850.00} could be reinstituted. Representative XXXX XXXX said via email " That shouldn't be an issue, I will get that adjusted today. '' When I inquired about the {$850.00} on a third loan estimate I'm being told no, sorry, can not adjust the lender credit to {$850.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Velocity Portfolio Group
State: NJ

Complaint narrative:
I have these accounts that does not belong to me and i want them to be remove from my credit asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

4. Identity Theft XXXX  Account Number : XXXX This is 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 2021-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After filing a complaint with Consumer Financial Protection Bureau, Bank of America sent my complaint to their Debt Collection department despite my credit card account being current and I have paid as agreed. Bank of America sent me a letter indicating they would notify 3 credit bureaus I disagree with the disputed amount at the same time they indicated my dispute was going into arbitration with visa and they would fight on my behalf.

We've contacted the credit reporting agencies below to add a comment to your credit report stating you disagree with our decision on your claim. Please keep in mind it may take up to 60 days for the comment to appear on your credit file.

Attached are calls with Bank of America Representatives On XX/XX/XXXX On a call I was advised would be recorded by BOA ; I was told by BOA Claims Supervisor XXXX & BOA Claims Manager XXXX, that my case was in Arbitration and Bank of America does not make the decision of when the claim could be resolved. XXXX advised We ( BOA ) will present our facts so we are arbitrating to Visa why we would like this chargeback to the company and be refunded, and once visa reviewed the case, they will make a ruling. XXXX advised while you are disputing the charge you are not responsible for this part of the balance so I can minus {$1000.00} from my total balance.Claims Supervisor XXXX was very kind and professional however I wanted to speak with a Claims Manager regarding the merchant transaction remaining on my statement while the transaction is in arbitration when I am not expected to pay it. I wanted to get a better understanding of BOA Standard Operating Procedures. 

After Escalation to Bank of America Executive Client Advocacy Group On XX/XX/XXXX During a call I was advised would be recorded ; XXXX from Bank of America Executive Client Advocacy Group communicated my claim had been closed and she was sorry.

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 2021-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I received a letter stating I had unclaimed property ( money ) that Citibank is trying to return to me. The letter contained a separate sheet to be signed and notarized. The form did not ask for any personal information like an SSI number or birthdate.

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 2021-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I submitted a letter to Transunion and XXXX  regarding an account that is inaccurately reporting on my report, This account is paid in full and Ive requested for the account to be removed or remove the over two year old history which is within my FCRA rights and remove the status showing as 30 day late. 

I have received no response from either company.

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