vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA advertises special offers to credit card holders. They are called " Simple Cash Back '' offers. Customers can view their offers and enroll at bbva.usa.com. I enrolled for an offer on XX/XX/2021. The offer was to get {$50.00} cash back after making two purchases with XXXX XXXX XXXX wireless. I made the two purchases but because of the way that XXXX XXXX XXXX split up the charges, the offer was not automatically triggered. I have contacted BBVA seven different times by telephone and by online secure message to get this corrected. After spending hours on hold, and twice being told that a supervisor would call me back only to never receive the promised call-back, I have concluded that it will not be possible to resolve this issue through the changes that BBVA has made available. I have yet to speak with a single customer service representative who know what a " Simple Cash Back '' offer is. This is despite the fact that BBVA advertises these offers as a feature of their credit card products ( see https : //www.bbvausa.com/digital-banking-services/cash-back-rewards.html ). When I call the number listed on BBVA 's website for questions about these offers, I am told that I must call a different number and talk to the credit card division. When I call the credit card division I am told I must call a different number and talk to the rewards division. When I call the rewards division, I am told they can not see any offers on my account. I have submitted receipts and screenshots of the offer via secure message ( see attached screenshots ), and in response I was told, once again, that I must call the credit cards division. I have asked twice to have this escalated to a supervisor, and the representatives on secure message simply ignore these requests ( see attached screenshots 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 repair services
Issue: Fraud or scam — 
Company: 360 Credit Consulting
State: NC

Complaint narrative:
I began service with 360 Credit repair in XX/XX/XXXX @ $ XXXX/month for credit repair. During the first 3 months, this company admittedly did not send out any inquiries. From XXXX until XX/XX/XXXX, they assured me that things were being removed and would eventually update or show on my credit report. Needless to say that in XX/XX/XXXX, after months of no response from the rep XXXX XXXX XXXX, supervisor ) for 3 months, I called to cancel my service. I pulled my credit report and saw that everything that was supposed to have been removed, from the beginning, was still on my credit report. XXXX XXXX essentially lied & told me that 'mortgage companies don't look at medical bills '. Another lie to make up for the lie in XXXX that my medical bills were removed then. She tried to still charge me for another month, after admitting that she had no further work to do on my credit ( even though there was nothing done all together ). This company is a fraud. For months, she, as a supervisor, lied about work being done to repair my credit ; while no work was really done at all for the entire time ( 11 months = {$1100.00} ). I have emails from XXXX that confirm my disputes as well as my claims about the items not being removed, after she lied for months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to Ford Credit reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedFord Credit on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. Ford Credit expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL

Complaint narrative:
On the date of XX/XX/2021, Aspire Servicing center added a derogatory mark on my credit report ( XXXX  ) per XXXX XXXX. Upon further research, the debtor has not provided original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and not to mention that any one can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account from all three credit bureaus immediately.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigation or are they just automatically verifying things without conducting a investigation as required by law? No wonder XXXX XXXX wants to do away with the credit bureaus, they are useless.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accounts on my credit report that I do not recognize

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I contacted select portfolio servicing to make a payment on the phone since my draft payment did not process on XX/XX/2021 and when I contacted select portfolio servicing the representative said he could take my payment which was not the payment for XXXX because it already processed but it hadn't and I was trying to make the payment that was received before XX/XX/2021 and I XXXX the payment on Friday XX/XX/XXXX with a note to apply the payment for the XXXX payment which was returned to avoid reporting the payment late to the credit bureau since they couldn't process it over the phone and If I made the payment it would have applied to my XXXX payment instead of the XXXX payment because the mortgage system currently showed it was paid. I want the late payment removed from my credit report because the mortgage company system could not process the payment for the month of XXXX on XX/XX/XXXX which is not XXXX and they did not tell me I could do a wire transfer to note on the form this payment was for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My purse was stolen from my car & all my personal information was in it. I have now noticed that someone has been attempting to open accounts in my name.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in the beginning of XXXX I had a job offer that was a very high promotion ; a week and a half later I got denied the position and they told me it was based on my credit profile I havent checked my credit report in years and when I did I found major inaccuracies and accounts that I never opened or filed so I start contacting the creditors and also start contacting the credit bureaus on my behalf and I kept getting no progress this has not only been XXXX  for me having XXXX XXXX and XXXX XXXX but also XXXX  for my family because I didnt get the promotion that my family needed ; this is my last resort and try getting off the inaccuracies off my report and try to better my life and make ends meet after this terrible pandemic situation that hit us early of XXXX. Not only was my FCRA violation that they disclose my credit profile to an employer without giving me written consent and another FCRA violation of 15 USC 1681 I with the disputed inaccuracies after a few times disputed I dont know what else to do..

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX XXXX ) placed on my consumer report by XXXX XXXX and Transunion. Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX Student Loan ) placed on my consumer report by XXXX Equifax, and XXXX Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

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: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: TX

Complaint narrative:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( Great Lakes Student Loan ) placed on my consumer report by XXXX XXXX, and XXXX. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove Great Lakes Student Loan accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to Great Lakes regarding the alleged debt they say I owe. I do not owe Great Lakes any money. Great Lakes has yet to send me anything bearing my wet-signature proving that I owe them anything. Great Lakes does not have my consent to furnish my Consumer report or share information with anyone. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and XXXX  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. XXXX  and TransUnion are both inaccurately reporting a late payment in XXXX of XXXX ( XXXX  ) and XXXX of XXXX ( TransUnion ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.

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 status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. Equifax and XXXX  are both inaccurately reporting a late payment in XXXX of XXXX ( Equifax ) and XXXX of XXXX ( XXXX  ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX XXXX  XXXX  ) placed on my consumer report by XXXX XXXX, and Transunion. Dear debt collector/ credit bureau . I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. 
I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I do not owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX does not have my consent to furnish my Consumer report or share information with anyone.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as XXXX XXXX, and TransUnion  prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) THIS IS A DIRECT VIOLATION OF THE FCRA AND FDCPA

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