vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express Travel does not disclose that it uses a third-party service, XXXX, to book their travel arrangements. 

American Express Travel committed to resolving an issue over the departure date of a recent vacation. The commitment was made on two calls which are logged from XX/XX/2021 and XX/XX/2021. 

As it turns out, that commitment was made by American Express ' non-disclosed third-party resource XXXX. 

Even though both calls are logged and I have provided proof supporting the revised check out date, American Express will not refund me for the revised departure and is unwilling to allow me to initiate a billing dispute. 

I have attached a full detail to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received my first and only letter from XXXX XXXX XXXX stating that my payment was past due. I was baffled because my payment was set to auto debit for the past XXXX payments. When I went into the bank and after extensive research they concluded that in XXXX of XXXX I had set up my auto debit for {$200.00} instead of the correct amount of {$200.00}. I stated that I was unaware as that was the amount that the system stated was due. They stated that I had made XXXX prior payments in the amount of {$210.00} so the system credited XXXX twice and it made the following payment show XXXX less. I had always understood that an installment loan would always show the appropriate amount due so when I set up the auto debit it only showed {$200.00} due. This continued for XXXX payments before I received a letter. I went in to the bank right away but they did not know how to credit it to my account and stated that they would have someone reach out to me. No late payments had yet been reported. I had thousands of dollars in my accounts and could have made the payoff in full. This could have been resolved then and there but they didn't know how. In XXXX they reported XXXX late payments and I paid the account in full. They did not act in good faith and never gave me the opportunity to correct this as they didn't know how. They took XXXX payments and never contacted me to tell me I was XXXX short at any point. I you look at the Delinquent Notice it shows {$6.00} late yet they could not take the payment. It clearly show on my account statement XXXX that they waived on the day I came in ( XXXX ) but did not show any other late payment. If I was XXXX short for XXXX payments then I should have been past due in the amount of {$28.00} and yet this does not reflect on the account summary. I worked in good faith and monitor my credit daily. I do not know who to turn to. I have paid off all accounts with XXXX XXXX ( Auto Loan, Credit Card and Equity Line of Credit ). I always had the capacity to pay but their inability to provide me with accurate detail as to what I owed led to a further delay and this did not have to happen. Please help as I feel that they had the due diligence of providing me with the ability to bring my account current before they reported it. You can see I went in on XXXX but they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: OH

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I disputed an amount that was showing on my credit report under Franklin Services inc. I have informed them that the person they are looking for a different person with a similar name as me. I have disputed it with the collections agencies such as XXXX, and the others. Many people at Franklin Services have stated that their records show that I disputed the amount and that it was going to be deleted. I have asked for a confirmation and updated on this, as I have continued to receive mail and other information after the dispute I submitted. They have informed me that they do not send out letters confirming this as per my request and have hung up on me multiple times. I have asked to speak to a higher person and they change the names and before giving me phone numbers, hang up on me. They also give me information at the beginning confirming everything Im saying and then go back and say they never said that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This said debt has been disputed once, and was removed. Now it is showing back up under a new collection agency. The accuracy, dates, and amount could not be validated. The collection agency did not try to contact me in any form of communication. They just reported to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: OH

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: AL

Complaint narrative:
There is an inquiry on my credit report from Factual Data on XXXX. I was advised that this was for a mortgage. I just purchased my home last year and would have no need to apply for a mortgage. I have not applied for any credit and did not provide consent for anyone to review my credit file for any credit offer since I was not applying for anything. This has lowered my credit score and that is a damaging factor as I am trying to build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
This is regarding my checking account with PNC bank. I mailed an {$1800.00} dollar rent check in XXXX of XXXX for XX/XX/XXXX rent. The check was lost in the mail. I stopped payment on the check. In XXXX of XXXX, the check was altered to {$4800.00}, the business name who I wrote the check to was scribbled out and an individuals name was written above the scribbled out original name. The dates were altered to as well to XXXX. I immediately contacted PNC to dispute the charge. I eventually spoke with a manager and said the money would be put in my account provisionally after two weeks. After a month of the funds not being returned I called back and was told that they do not put money back provisionally and that they had 4 months to settle the dispute. I asked for some specifics on the status and was told to contact the fraud department for that. I was given their number and was told it would be a voice-mail and to leave the requested information and I would get a call back. I have left XXXX voice-mails and no call back. I was also assured that a hold was on my account as I could not close it because of the fraud investigation. Low and behold another fraudulent transaction hit my account on XX/XX/XXXX. Evidently a hold was never placed. I spoke with another manager and she was able to tell me the original {$4800.00} altered check was fraudulently cashed at Bank XXXX XXXX. I again asked to speak with the fraud department. She said she had the same number as me for them, but she would contact them on my behalf. Today she called me back and said that she has not received a response from the fraud department and could not give me any updates. I have been scammed twice now. Once by a criminal who altered my check and again by my own bank that will not even do the simplest task of calling me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: GA

Complaint narrative:
TransUnion is showing a XXXX  point drop on my credit report and there is no justification for this. I already have a complaint against XXXX XXXX XXXX  for their massive failure to run the card in a legal and moral manner. I lost my job recently and would like to see my credit report reflect that factor. I would like to dispute most of the information TransUnion is showing for me currently.

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 2022-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
1 ) I filled out an online mortgage refinance application on or before XX/XX/XXXX. But *I did NOT click the apply button*. I had questions *before* I wanted to submit to avoid a credit inquiry. I intended to call them later. 

2 ) I got an automated email from them on XX/XX/XXXX with the subject : " Still thinking about refinancing? Finish your application. '' Body began : " Almost finished... 
Just a few more steps to finish your application. If you'd prefer to speak with a Loan Officer to continue your application, please give us a call at XXXX. '' ( See attached email printed to PDF ) 3 ) After a day or two they began calling me, but it was always at a bad time while I was in meetings and couldn't speak with them. I tried to call them back twice but then they didn't pick-up. 

4 ) On XX/XX/XXXX I was surprised to get an email from XXXX with the subject " Your mortgage application documents '' and text within the email saying " Mortgage application documents to sign ''. 
( See attached email printed to PDF ) BUT I NEVER SUBMITTED MY APPLICATION because I still had questions and didn't want a hard pull on my credit. 

5 ) When I logged into XXXX 's www.freecreditreport.com I could see that I had a credit inquiry on XX/XX/XXXX with a stated " Removal date '' of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ) XXXX This hard-pull decreased my credit score and may affect it until XXXX of XXXX! 

a ) While this is a minor issue compared to others, people with poor credit might be very adversely affected by this! 
b ) This smells very much like the XXXX XXXX scandal where they were opening accounts for people without their permission! 
c ) This type of pushy activity is particularly bad for the vulnerable, those without time, those without the clarity of mind to deal with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Due to the pandemic, I struggled to make my mortgage payments on time. With strained finances, a forbearance was offered. 

While in forbearance, I completed the modification application, submitting supplemental information as requested. After a couple of months, Fay Servicing proposed a trial period starting in XX/XX/XXXX. 
Although it was a struggle, I made the 3 ( three ) trial payments and continue to make payments. However, monthly mortgage statements are off. For example, the XX/XX/XXXX statement is showing XX/XX/XXXX was not being made. 

Likewise, Fay Servicing increased the interest rate from 4.8 % to 6. % which is a substantial increase. Instead of paying {$2700.00} per month. I am currently making a {$3000.00} payment per month. The overall balance is {$45000.00} more than it should be. The balloon payment amount is {$180000.00} which puts me upside down in this home. 
I am requesting an independent audit of my loan modification account. I do not understand the increase in interest rate when I was struggling to stay in my home. Below are the additional concerns : Ensuring that the principal balance is accurate after a deferral plan becomes effective ; Providing accurate information about loan status and relief options during forbearance ; Not imposing an inspection fee, late payment fee, or modification fee during a CARES Act forbearance period ; and Not accurately applying the post-forbearance payments, including after a servicing transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: PA

Complaint narrative:
O WHOM IT MAY CONCERN : Hello m name is XXXX XXXX and iI am writing to delete the following information in m file. The items I need deleted are listed in the report. 
I am a victim of identit theft and did not make the charge. I ask that the items be deleted to correct m credit report. I reported the theft of m identit to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identit Theft Affidavit. Please delete the items as soon as possible Baed, 15 U.S. Cde 1681c2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I ha bee 30 da ad ae VIOLATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2022-01-17 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

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 2022-01-17 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: CA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-01-17 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: NY

Complaint narrative:
On XXXX-2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had a previous Syncrony bank XXXX store financing account which I paid in full and closed. When I bought a new phone it would not allow me to register the new account because the old account existed on the same email. It is now impossible ( apparently ) for me to setup autopay for this card.

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 2022-01-17 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: CA

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I have a loan with nissian financial and they reported 30days late when i already traded my car in and I have paper work showing that my loan on the new car didnt go through two thats I was late but it was not my fault because the car dealership was suppose to pay it off

Company response to consumer: Closed with explanation