vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account XXXX : XXXX 2. Validate Account XXXX XXXX Account XXXX : XXXX 3. I was never late. Send proof that you did a proper independent investigation XXXX XXXXXXXX Account Number : XXXX 4. I was never late. Send proof that you did a proper independent investigation XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX A Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX XXXX. Identity Theft XXXX XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. I was never late. Send proof that you did a proper independent investigation XXXX XXXX Account Number : XXXX XXXX. Validate Account XXXXXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Validate Account XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Why do investors have the right not to show their name on the consumers credit report. When the consumer has a Mortage with their company. Does the name of the investor have any effect on the consumer credit report. This has happened to me. XXXX who is the monitoring agency not Goldman Sachs. XXXX had to request permission to give me the company I am paying my money to every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: GA

Complaint narrative:
I have received dozens and dozens of email offers ( approaching XXXX ) from American Express over the past 2 years offering XXXX skymiles if I add an additional authorized user to my XXXX XXXX XXXX XXXX  account XXXX On XX/XX/XXXX, I clicked through one of these offers and added my wife to my account. In the offer it stated I had until XX/XX/XXXX to meet the minimum spend requirement of {$500.00}. I met this requirement within 1 month and have spent the last 4 months waiting on Amex to make good on their bonus miles offer. I have attempted to contact Amex support 4 times, and they keep stating that they dont have any record of active offers for my account, despite me having screenshot proof -- and while they continue to send me the same exact solicitation. On more than one occasion they just closed the case after the promise of an escalated follow up with no response. There is clearly some kind of error in their systems registering click throughs on these offers, but they are refusing to honor to the point it feels like bait and switch fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
This was a closed account at XXXX when PNC took it over. I had made a compromise agreement with XXXX to pay a balance on a closed account under their terms and at a lower interest rate. XXXX did not allow me to pay online, so I mailed all payments when required. The minimum payment for the last few months have been {$13.00} or {$14.00}. When PNC took over the account, they raised the minimum payment to {$27.00}. I called the bank and after a XXXX hold, a representative named " XXXX '' told me that I had been mailed a notice of the change in terms by PNC. I do not believe PNC can change the terms to which I agreed with XXXX on a closed account. I understand that if XXXX could force me to mail checks to Alabama, PNC can probably force me to mail checks to Pennsylvania, even though this costs both of us more money. But it would be nice if they were more customer-friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I was attempting to do a loan modification with PLANET HOME LENDING , LLC on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to XXXX and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both XXXX and planet homes that this was unlawful. I am victim of XXXX XXXXg.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( EQUIFAX, XXXX, AND XXXX XXXX these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On the XXXX of XXXX, 2021, I sent out a letter requesting Experian XXXX and XXXX XXXX XXXX XXXX to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( XXXX XXXX XXXX ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

Experian XXXX sent a response stating that " the company that reported the information has certified to Experian that the information is accurate ''.

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 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Comenity/Zales has on my credit report a debt that is not owed. I purchased merchandise XX/XX/2017 and paid CASH. See attached receipt. This is the only time I've ever purchased anything from them. I have had to dispute this with many collection agencies in which they did remove it as to proof of purchase with a XXXX balance. Unfortunately, Comenity/Zaes has not removed it from my credit report which has a huge negative impact. They even show that I had been making payments and that I opened an account back in XXXX. That information is incorrect and I am being penalized for inaccurate information..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I have contacted the mortgage servicer BSI 4 different times requesting correction, clarification and refund of late fees that were not accurate. I have been charged 3 times for payments that I know were not late beyond the per agreement date. The account has been paid off, it took BSI nearly a month to finalize the payoff and send my refund, I have not received a closing statement from them as I asked nor the refund of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian states it gets information from third party agency XXXX and the court. I am uploading documents from XXXX stating the bankruptcy was removed. Also court stating it doesnt report information to credit agencies. This is not mines along with the accounts associated with the bankruptcy. The accounts and the public record has been removed from XXXX and XXXX with the same information I am presenting to Experian. My question is why haven't Experian removed it when you state you get your information from XXXX and the court and I am presenting Experian proof it has been 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 2021-10-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.

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 2021-10-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( XXXX, XXXX, AND EXPERIAN bout these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.

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 2021-10-28 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: CA

Complaint narrative:
XXXX  PERSONAL LOANS IS REPORTING FRAUDULENTLY 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 explanation
Consumer complaint received 2021-10-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Exxon/ Mobil credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being 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 2021-10-28 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX XXXXXXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Verisk Analytics Inc
State: NJ

Complaint narrative:
I HAVE SENT SEVERAL LETTERS TO XXXX DISPUTING THE VALIDITY OF THE XXXX  THEY ARE REPORTING ON MY CONSUMER FILE AND REPORTING TO OTHER XXXX AND XXXX. THEY KEEP SENDING GENERIC LETTERS BUT NO PROOF OF THE VERFICIATION. THIS IS MAKING TO DIFFCULT FOR ME TO PURCHASE A HOME AND CAUSING ME TO PAY XXXX MORE IN INTEREST EVERY YEAR. 
THIS ITEM NEEDS TO BE DELETED FROM MY CREDIT REPORT IF IT CAN NOT BE VERIFIED WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX  XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2021-10-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being 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 2021-10-28 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: Bull City Financial Solutions, Inc
State: OH

Complaint narrative:
On the XXXX of XXXX, 2021, I sent out a letter requesting XXXX XXXX and Bull City Financial Services to validate a medical collection item for {$380.00}. 

In response to this letter, the collection agency ( Bull City Financial ) responded with a debt collection letter as well as a full copy of the bill with a full description of the services provided to me without proof that I signed an agreement to release my information to them. 

XXXX XXXX sent a response stating that " the company that reported the information has certified to XXXX that the information is accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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:
I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) I need validation and demand that the consumer reporting agencies abide by the federal law ( FCRA ). As a consumer, pursuant to 15 USC 1681 ( a ) ( 4 ) I have a right to privacy, Im being denied credit due to the reporting agency 's invalidated report, and pursuant to 15 USC 1681b ( a ) ( 2 ) reporting agencies must have my written instructions and consent to furnish my report.

Every time I filed a dispute, the reporting agencies keep telling that they are working on it and no result. I am submitting a " NOTICE OF FAULT '', before filing my lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 — Other problem getting your report or credit score
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
There are numerous inquiries on my account affecting my credit score. XXXX  XXXX XXXX did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My XXXX XXXX credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.

Company response to consumer: Closed with explanation