vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( 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 ) XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My grievance, specifically, pertains to American Express declining purchases made with my AMEX Gold card without just cause. 

I have been a member of American Express since XXXX. Specifically, in XXXX, I spent {$62000.00} using my AMEX Gold card, alone. I have no late payments documented on my account. Additionally, I have an outstanding payment history with my other credit cards, too. 

The declined charges have occurred numerous times during my membership to American Express, which are extremely inconvenient. I pay annually for the Gold card which, as I am beginning to learn, is not worth the inconveniences I encounter with declined purchases. Specifically, a purchase was declined yesterday ( XX/XX/XXXX ) which was unwarranted and placed me in an extremely difficult, embarrassing, and inconvenient situation. 

I visited a salon/spa in XXXX XXXX. At the conclusion of my appointment, I used my AMEX Gold card to make the payment, which was subsequently declined. I logged onto my account and saw that I had a XXXX balance of amount due and no delinquencies noted on my account. 

Because I only had my AMEX card with me, I had to leave the salon and walk several blocks back to my car in a parking garage, get my XXXX XXXX debit card, walk back to the salon and pay for the services at that time. 

I received a notification via e-mail of the declined payment ; when I proceeded to contact AMEX Customer Service, I was given an error message stating Our system is not responding message.

I use my AMEX Gold card as frequently as possible, as I try to earn points on purchases which are eligible for XXXX purchases. This is the last declined purchase experience I will tolerate, especially as a paying member. My FICO score recently lowered from XXXX only due to a medical procedure I took out a loan for ( which also has on-time payments ) and a new vehicle ( which also has on-time payments ). 
I will gladly close my account ( s ) and take my business elsewhere if American Express feels the need to continue to inconvenience me during purchases. 

XXXX XXXX XXXX XXXX XXXX XXXX, Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NY

Complaint narrative:
These are not my accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: CA

Complaint narrative:
I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by XXXX XXXX and have been using it for the last 6 months. 

My current problem with the XXXX XXXX right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to XXXX XXXX to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but XXXX XXXX is not reporting it correct right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am XXXX XXXX, an employee with XXXX. I have an XXXX Credit Card powered by Goldman Sachs and have been using it for the last 6 months. 

My current problem with the XXXX Card right now is the improper reporting of credit balance and the lack of periodic updates of my balance to credit bureaus every month leading the improper or invalid balances on my credit reports frequently, month after month. When I reach out to Goldman Sachs to get this fixed, I often get served with a cold response saying, " We are not obligated to report it every 30 days '', " We can not help you reporting the latest balance '', " We do not have an ETA when we will report the correct information '', " We reported the right information the last time, and we will report the right information next time but can not tell you when '' and so on. 

It has been a very unpleasant experience overall and has been significantly impacting my credit scores as my new balance is XXXX, but Goldman Sachs is not reporting it correct right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have contacted the new servicing company Shellpoint Mortgage several times because they did not credit me for 3 payments from XXXX, the old company. I have sent them copies of the cancelled checks and they still refuse to do anything about it. They will not even answer my emails or phone calls about this. I do not know what else to do! XXXX was a horrible company to begin with and have done some of the same things, but now I can't get the new servicer to take care of this! I don't see how it is legal to take my money and not credit the payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: NY

Complaint narrative:
Not my accounts reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: GA

Complaint narrative:
I'm a senior and a veteran that has been a victim of identity theft. On XX/XX/19, I received my TRANSUNION credit report that had the name and adverse info. of an identity thief, including several inaccuracies. I requested correction of 38 inaccuracies, including the fraudulent accounts opened by the identity thief. His delinquencies and new inquiries for credit caused my credit score to drop about XXXX points. TU has adamantly REFUSED to make adjustments and increases to my  credit score. The inaccuracies caused prejudice to my creditworthiness. The other two credit reporting agencies did not have damaging identity theft info. TU failed to alert me of the ID theft and fraud even though a fraud alert was on my credit report. I have been rejected for an auto loan as a result of TU 's obstinate refusal to correct the damage by this identity thief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: CITIBANK, N.A.
State: MT

Complaint narrative:
In XX/XX/2019 I was setting up my online password for my new Citibank credit card and having problems. I called Citibank to get help and it auto tells you your card balance. I got off the phone and had to call back about 15 minutes later. The automated balance info was over {$3000.00} higher over that span of time. 

I alerted them that something had happened within 15 minutes of it happening, which my cell phone records to citibank prove I made 2 phone calls within 15 mins of each other. The total amount was a  balance transfer to a discover card for {$3000.00} and a balance transfer fee of {$90.00}. 

Infuriatingly, they did NOTHING and allowed the transfer to go through and post several days later on XX/XX/XXXX. 

Since then I have called over and over and over and over again, each time being bounced around to 5-10 diffferent operators and then told " security is working on it. '' And to just wait.

At no time was it ever resolved or simply refunded while their security team figured out where THEY screwed up, and each call would be several hours of being on hold and transferred. At one point I thought the odyssey was over when a woman in fraud said she could see what happened and she would resolve it THAT DAY. She did NOT resolve it that day, though I did retain her phone number. 

Instead I was eventually blamed saying I had been mailed paperwork by the company to be filled out and I had never sent it back. ( I never got anything ). I was then emailed paperwork which I sent back. When it was still not resolved I went ahead and sent it back AGAIN without being asked to, but the balance is still shown on my card with no change. 

I have 0 faith this will ever be removed without 3rd party intervention and all the interest I've paid refunded etc. Fighting this from XXXX until XXXX when I never did anything wrong whatsoever! Countless hours on the phone for something I have 0 control over and continuously blown off and ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a credit card from XXXX XXXX in 2019. I have made only 1 purchase. Several months ago I began receiving a bill for some magazines they claim I ordered. I began calling them to dispute the charges. Every month my bill grows and show late fees and nonpayment, which is adversely effecting my good credit scores. I was even told to contact the magazine company, which I did. 1 month the charges were removed only to be replaced the following month showing further late fees. The bills started around {$40.00} and now is {$160.00} on the XXXX bill. No one has resolved the matter nor do they seem interested in helping me. They also go under the name Comenity Bank and Comenity- Stage

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Called ChevronTexaco customer service. Spoke with a person. Told her my issue. The person didn't understand. What I was trying to explain. I ask for a supervisor. They never came on the phone. Finally got disconnected. Date was XX/XX/2020. 
Then I tried XX/XX/2020, the company wanted me to chat online. That person wasn't helpful either, directed me to the dispute on to download but there isn't anything on for disputing late fees. I also tried to call and I was disconnected again. 
All I want is my {$28.00} late fee. I can show what I paid for the last 4 months. 
The payment is due on the XXXX You can see all payments were paid but not when ChevronTexaco credit card company says. 
This is what credit cards companies are doing now. 
You can't even look at your statement on line unless you request it. 
The company that takes care of ChevronTexaco is Synchrony Bank I pay my bill every month. I feel that they should care about their customers. 
I haven't used this credit card for a long time. 
I feel credit card companies don't care about customers at all. I don't think this company has dispute area. There wasn't a option.

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 monetary relief
Consumer complaint received 2020-03-15 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: CA

Complaint narrative:
I reviewed a recent copy of my credit report and noted an unauthorized inquiry. I have contacted XXXX XXXX and their fraud team completed an investigation and sent a letter to me, concluding that the application to XXXX XXXX was fraud, cancelling it. I have a letter attached from XXXX XXXX with the reference number. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. I have called Equifax multiple times and was told that all hard inquiries are legitimate and to file a dispute online. On XX/XX/XXXX, I filed a dispute with Equifax. However I was not allowed to attach any documents or a statement that would support my claim. After submitting my dispute, I was shortly given a response a few hours later denying my request to have the XXXX XXXX fraudulent inquiry removed. I called a few days later. Perhaps it was XX/XX/XXXX, only to be told by XXXX from a call center in the XXXX that hard inquiries are factual and could not be disputed. 

Per section 611 ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer I believe Equifax did not do a proper investigation ( on XX/XX/XXXX ) of the XXXX XXXX inquiry on XX/XX/XXXX. XXXX XXXX sent me a letter on XX/XX/XXXX, stating that the fraud team did an investigation and concluded that the XXXX XXXX application submitted on XX/XX/XXXX was in fact fraudulent. If an investigation was completed in less than a day, surely Equifax would have contacted XXXX XXXX to verify. 
Since there is no evidence that I initiated these requests, I request that this inquiry be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Equifax promptly delete the following item  from my credit report. 

The following inquiry was not authorized : 1. [ XXXX XXXX ] [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: LEXISNEXIS
State: MO

Complaint narrative:
30 days ago I sent a dispute to Lexis Nexis about some information I did not recognize. I was told by XXXX that LexisNexis verified some Bankruptcy information. I do not agree with this information and since it has been over 30 days according to the FCRA - LexisNexis has to delete this information. I am not sure why I did not receive a response from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with Speedy Cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened a Preferred Savings account with TD Bank in XX/XX/XXXX. This offers a preferred interest rate at 2.5 percent for the first 12 months. I had received interests at 2.5 percent until XXXX. In XX/XX/XXXX, I noticed on the account that the interest rate dropped to 0.2 percent. I have contacted the bank on XX/XX/XXXX, and I was told that there was nothing wrong. I urged the bank agent to investigate this problem, but I have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 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: LEXISNEXIS
State: MS

Complaint narrative:
I was working trying to buy a car and the strangest thing happen. I was told about a Bankruptcy from New York ; however, I live in the great state of Mississippi. I sent one of those dispute things to LexisNexis because the credit place said they used LexisNexis to verify this type of information. It has been over 30 days and I've heard nothing from LexisNexis. A lawyer told me they had 30 days to respond and if they do not that is a violation of the FCRA. I have not heard anything from them - and I need this negative information removed from my credit report and LexisNexis reprot.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX a young lady name XXXX who stated she was calling from Transworld System on behalf of XXXX XXXX XXXX XXXX XXXX. She went on to tell me this was an attempt to collect a debt. Confused as to what she was talking about I questioned, what debt? I have no outstanding debt and vacated the XXXX XXXX XXXX  XXXX XXXX accordingly back in XXXX, following the expiration of my lease. She was unable to provide me dates as she stated she did not have any supporting docs on file. I sincerely thought I was being prank called as she was unable to provide any validating information and not to mention, this was the first I had ever heard of this. I further asked IF this was true, why would they wait almost 5 years to attempt to collect. She stated theyve made attempts at contacting me but were unable to locate a number for me. Thats bogus I told her. Just as she was able to dial my number and get me, they would have been able to do the same but they didnt. As a matter of fact, my number has not changed its been the same for over 7 years, so that was a lie. 

She went on to tell me that XXXX XXXX XXXX XXXX XXXX is alleging I owe for missed payments/rent ( back rent ). I asked when did the miss payment take place? She was unable to provide me dates as she reiterated, she did " not have any supporting docs on file. '' Yes, I resided at XXXX  XXXX XXXX XXXX XXXX and vacated in XXXX when my lease expired, never having missed a payment. It's been nearly 5 years, of course I'm no longer in possession of rent receipts. I'm sure they expect this. Therefore, I requested from her an itemized statement. Instead, on Friday XX/XX/XXXX I retrieved a letter that they were collecting a debt and I had 30 days after receiving the notice to dispute. Surely, Im disputing this with Transworld Systems Inc but I also ask that The Consumer Financial Protection Bureau intervene as this company is threatening me with a falsified debt that is not only fabricated ( or possibly misdirected ) but outside Maryland statue of limitations ( 3yrs ) in which action can be brought.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX XXXX.

Company response to consumer: Closed with explanation