vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent Transunion CRA a identity theft report and letter stating I was a victim of id theft and referenced the fraudulent accounts. Under the FCRA 605B I asked that the fraudulent accounts be blocked and removed. Transunion notified me by mail that they were not going to honor my FCRA 605B request because they have determined that my request has either a ) been done in error b ) is a misrepresentation of material fact c ) you have obtained possession of good, services, or money as a result of the transaction issue.

I see no evidence that they have, for example, asserted that I have made any material misrepresentation. Transunion has not shown that my id theft report contained a material representation before they can legitimately decline to accept my id theft report.

I see clear basis for violation of the decline provisions under section 605B ( c ) and further indication of willful noncompliance, which subjects them to actual and punitive damages, and legal fees pursuant to FCRA 616.

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 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MN

Complaint narrative:
I had a line of credit with OneMain Financial and paid off my entire balance in the fall and have never missed a payment. In XX/XX/2018, I received a statement for {$50.00}. I called and talked to one of their Customer Care Representatives and was told it was an annual fee for having an open credit line. I told him I didn't want one and he advised he was going to remove the {$50.00} annual fee and close my line of credit. In XX/XX/XXXX I got another statement now showing that I was past due, again I called and spoke to a female. She apologized and stated she was going to bring this to her Supervisor and have it removed and assured me this was going to be taken care of. Now in XX/XX/XXXX, I got another statement and now I am being reported as past due. I called and spoke to XXXX another representative and she told me she didn't show a balance and couldn't help. She refused to give me to their credit dispute department. I finally asked for a supervisor, XXXX XXXX and she apologized and said the past reps actually didn't do anything even though it was showing why I called. She said it would be removed but takes 21 days and wouldn't help remove the negative reporting. I want a letter stating I have a XXXX balance and my credit updated immediately as I will be looking to relocate and need my good credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.

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 2019-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This is a request for postponement of trustee sale scheduled for XX/XX/2019 as sellers are in contract. Buyers need 18 days to close escrow. Estimated close of escrow is XX/XX/2019. 

Last Monday, XX/XX/XXXX, I sent email to the trustee and the loan servicing company, Shellpoint Mortgage of this request but until now have not heard anything. 

I need the confirmation of the postponement of the trustee sale in writing. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: CT

Complaint narrative:
I applied American express Delta platinum card in XXXX, 2018, for a promotional offer of earning XXXX miles after spending {$3000.00} in 90 days. At the time of application, I did not have this card previously which according to the terms would disqualify the promotional offer. During the application process there was also no pop up window indicating that I am not eligible for the promotion, which I believe is a system that Amex put in place in the past year to let applicants know if they are eligible before deciding to apply.

I met the spending requirements in less than 90 days but did not find the promotional miles posted to my account. After I called Amex I was told that the bonus was denied. The reason they gave me was very vague, just that they have an internal algorithm that makes decision based on account opening and closing history. I went ahead to ask what is the specific criteria but the agent does not seem to know nor willing to discuss. I asked to speak with a supervisor and got the same response. They basically said there is no explicit rules for customers to know if they are eligible, it is completely up to Amex to deny whoever they think should not be given the bonus.

I then asked them when is the decision to reject being made, which they won't gave answer. I also asked if they decide to deny the bonus, why the decision was never communicated to me in any way, because then I can choose to close the account and not paying the {$190.00} annual fee. Promotional bonus offer is one of the important factor to open a credit card, and if that is denied the customer should at least be notified and be given the option to cancel before the annual fee is due. Amex refuse to engage on this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: CA

Complaint narrative:
I have a CitiBank Citicard XXXX XXXX credit card. 
I paid off my balance of {$4300.00} on XX/XX/2019. 
Citicard accepted payment and my balance moving forward was {$0.00} Citicard send their reports to the Credit Bureaus on the XXXX of each month but did not report my XXXX payment and {$0.00} balance to the Bureaus on the XXXX XXXX. 
So as a consequence my credit report still shows an outstanding balance of, now, {$4500.00} and my credit has dropped to XXXX and is dropping 10 points a day because this large balance is showing unpaid. The last time Citicard reported my payment was XX/XX/2019. 
I have called them daily asking to get this resolved and have been disconnected multiple times. I have spoken with supervisors and they tell me to send a fax to Citibank Credit Resolution service explaining the situation. They will then try and resolve the problem with 7 - 10 days. 
If I am forced to wait that long my Credit rating will be below 600. 
I am trying to buy a car for my work at present and can not qualify for anything as my credit is not good enough due to this issue.

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 2019-03-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Received repeated phone calls concerning a XXXX account. Requested name and address of original creditor, copy of signed contract, delegation of authority, and a complete accounting / statement of payments, interest, and fees associated with the collection account. This information has not been received from the debt collector, yet I am repeatedly harassed with voluminous phone calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: AZ

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-03-06 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Why is it that I still owe whatever I had owe when you guys process the XXXX XXXX. EXAMPLE : : ; ; ; when SANTANDER reposesed the XXXX XXXX XXXX and after that in 5 days they where going to auction It Off and if it's so for XXXX or XXXX then I'll owe the remains witch would be XXXX ... Santander still and won't take it off my credit report they have it as write off I've been very patient and very crab rave and then even give me my daughters place card back are my other belongings so I had to go to the DMV and get her another placement card cuz they said it was going to be moved somewhere else within those FI 've days it's unfair that they did this me and they also says that I owe {$15000.00} on that car still when I have the paper where it says XXXX but I'm going to find it and I will upload it so that's why I think it's fair for them just to take it off because to report faulty claims on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: MI

Complaint narrative:
Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.

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 2019-03-06 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: MI

Complaint narrative:
Disputed inaccurate information on my credit XX/XX/2019. Names, address, phone numbers and date of birth is inaccurate. Accounts : All accounts are inaccurate, unverifiable.

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 2019-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Accelerated Financial Solutions, LLC
State: NJ

Complaint narrative:
Accelerated Financial Solutions, has once again added themselves to my credit report and as a result my score has went down and now my credit accounts that were in good standards as decreased my credit limit and I am very upset. I tried to to resolve this a year ago, it was removed off my credit and now put back on yet 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 2019-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I went to deposit cash at the XXXX XXXX US Bank drive up ATM, I was taken through the entire deposit process. Finally as I accepted the deposit and the machine went to verify the funds, it, spit out the pictured error receipt I attached. I called the XXXX number listed on the receipt and they opened up a claim that could possibly take over a month to verify and was also told that I could possibly be offered a provisional credit in 10 days. Right now Im left with no funds to get me by and no solution from US Bank.

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 2019-03-06 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: eCon Credit LP
State: NJ

Complaint narrative:
My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX

Complaint narrative:
I am disputing my Principal Mortgage Balance that Bayview Loan Servicing is reporting. There are three issues in question. 
First Issue : XX/XX/XXXX I received an alert from XXXX Credit Bureau that Bayview Loan reported a Balance Increase First Mortgage, to {$280000.00}, the previous balance was {$280000.00}. 
Second Issue : XXXX, XXXX, XXXX Bayview Loan Servicing - XXXX Mortgage Interest Statement stated the Outstanding Mortgage Principal was {$280000.00} - Principal applied {$2700.00} bringing the balance to {$280000.00} ending Balance. 
Third Issue : XX/XX/XXXX Mortgage Statement reports the Principal Balance to be {$280000.00} with Principal & Interest & Escrow total Amount Due {$1000.00}. 
XXXX I received a letter from XXXX  XXXX  XXXX  and learned that Bayview Loan Servicing transferred my mortgage to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting a negative escrow shortage of {$200.00} I want a full accounting detail to explain the mortgage increase that Bayview Loan Servicing reported to XXXX Credit Bureau. I want an full accounting detail to explain the Principal & Interest & Escrow Shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
I missed a couple of payments and now this company Cash call is sending multiple emails a day threatening to garnish my wages. They haven't even obtained a judgement so I am unsure how they would garnish me. I am willing to pay and have made multiple payments and my balance has not been affected because of the high interest rate. I don't believe that they are following the FDCPA and I want them investigated for threatening their customers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: NJ

Complaint narrative:
My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around

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 2019-03-06 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:
My account has been on auto pay since XX/XX/XXXX. XX/XX/XXXX I get an alert that my account had a missed payment, which was untrue. I tried to reach out to the company and it appears that they are out went out of business, the phone number doesn't work nothing, meanwhile all the major credit agencies have been notified and the was back on XX/XX/XXXX, I have yet to receive a update, I called them and they are saying I just submitted dispute which was a lie, I am getting the run around

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 2019-03-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019 an iquiry appeared on my report. I would simply like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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:
On XX/XX/2019 an iquiry appeared on my report. I would simply like it 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 2019-03-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019an iquiry appeared on my report. I would simply like it 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 2019-03-07 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
These 3 hard inquiries are on my credit report and I vehemently deny ever applying for these cards. I am despartely trying hard to repair my credit and none of these companies will work with me. With regards to the XXXX credit, I have used XXXX for over 10 years and have never tried for credit at XXXX. They will not help me remove this. 


AMERICAN EXPRESS Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX PO BOX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief