vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-15 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: UT

Complaint narrative:
I opened an American Express Platinum personal Card on XX/XX/2020 online with a marketing promotion of promising XXXX Membership Rewards points after spending {$5000.00} on purchases on the credit card in the first 6 months of Card Membership. Plus I would earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to {$15000.00} in combined purchases, during the first 6 months of credit card membership.

After 2 months of using the card at grocery stores and gas stations, I noticed I wasn't receiving my 10x points back on purchases as promised by the promotion so I reached out to the American Express support. They notified me I wasn't eligble for that promotion nor was I eligible for the 100,000 membership reward points even if I spent {$5000.00}. 

American Express claims when I applied for the credit card, I was notified I would be ineligible for the above promotion. I was NEVER notified I would be ineligible for the promotion and I was immediately approved for the credit card after I applied. I even received the card 2 days later and I've been using the credit card for every purchase since I was approved believing I would receive what was promised to me by their promotion. 

American Express refuses to fulfill on the promise of their offer which is an extremely dishonest business practice since I NEVER received any prompt that notified me I would not be eligible for the offer. I hope American Express will see their wrong doing and fulfill on their promise. OR refund me their exorbitant annual fee of {$550.00} which I've already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2020 around XXXX XXXX  I received an alert from XXXX XXXX  and XXXX XXXX about a new hard inquiry which i do not recognize. It was made to XXXX  by Barclays Bank Delaware. I have not solicited any credit services since XX/XX/2020. I tried contacting this bank via phone at XXXX but was unsuccessful after waiting on hold for 2 hours. I already placed a frod alert through XXXX  to all 3 credit bureaus. Since i was unable to contact barclays bank delaware, i need a report from ftc so that XXXX  can remove the fraudulent hard inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
ON XXXX THE XXXX I HAD GONE TO XXXX XXXX XXXX DEALER AND PURCHASED A XXXX XXXX XXXX, AT THE TIME THE SALESMAN TOLD ME TO JUST TAKE THE CAR AND LATER I COULD REFINANCE THE CAR TO A LOWER LOAN RATE, BUT THAT WAS NOT THE CASE THEY CHARGED ME DOUBLE FOR THE CAR THE CAR COSTED XXXX AND AS OF TO DATE ON MY CREDIT REPORT IT STILL SAYS XXXX I TRIED TO GET OUT OF THIS CAR AND EVERYWHERE I GO THEY TELL ME I WAS RIPPED OF FROM THE SALESMAN FROM THIS DEALERSHIP MY PAYMENT IS XXXX A MONTHLY WHEN THE MATH IS DONE I WOULD OF PAID OVER XXXX $ XXXX DOLLARS ON A XXXX CAR CAN SOMEONE HELP ME AND THE BANK IS SANTANDER CONSUMER THAT IS KNOWN FOR RIPPING PPL OFF AND THEY HAVE OUTSTANDING LAW SUITS PENDING HOW THEY TREATED THEIR CUSTOMERS, I NEED HELP DESPERATELY PLEASE I HAVE XXXX  XXXX AND I HAVE NOT WORKED SINCE XX/XX/XXXX HAVING LOTS OF PROBLEM AND THIS IS CAUSING ME LOTS OF STRESS ADDED TO MY LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: AES/PHEAA
State: GA

Complaint narrative:
Reached out to companies making them aware of the incorrect information on my report, asked them to verify and update my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: FL

Complaint narrative:
I'm a victim of identity theft I don't know how this person got a hold of my personal information but this is driving me crazy it's hurting me physically and mental also financially I would like this situation to be resolved thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: The CMI Group, Inc.
State: FL

Complaint narrative:
the following companies are reporting information on my credit reports that do not belong to me. i have been incarcarated and have not opened any of these accounts. 

1 ) XXXX XXXX # XXXX 2 ) CREDIT MGMT # XXXX And also the below listed company is reporting flase late payments on my credit reports which is false information. 
1 ) XXXX XXXX # XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On some accounts its showing that I had a late payment one month ago but the account have not been late in over a year and this one month reporting is dragging my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: KY

Complaint narrative:
Account has been on credit report unnoticed and do not know what this is or where its from. Could you please forward necessary documents with the actual account holder info so that I may resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.

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 2021-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
COLLECTION, CHARGE-OFF ACCOUNTS APPEARING ON CREDIT CLOSED AND CAN NOT HAVE LATE PAYMENTS. THESE COLLECTION ACCOUNTS MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THESE COLLECTION ACCOUNTS DOESN'T BELONG TO ME BUT THESE ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER THE ACCOUNT IS CLOSED. 
1. XXXX 2XXXX XXXX 3.XXXX XXXX  4.XXXX 5.XXXX IN THESE ACCOUNTS ARE REPORTING INACCURATE ALONG WITH DATE OF LAST ACTIVITY AND DATE OF LAST PAYMENT

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 2021-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
XXXX XXXX  XXXX  turned me into fidelity collections for medical bills that where paid by the XXXX that I have through my insurance. XXXX has repeatedly proven to fidelity that this money was paid but wont take it off my credit report because XXXX XXXX  will not respond to Fidelity about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 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: FL

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WA

Complaint narrative:
This had been an on going issues for three years. 
Original was from XXXX XXXX XXXX ( or they said they are XXXX XXXX  XXXX This cellphone account was opened at New Jersey, where I have never been and phone bill unpaid for up {$1500.00}. I have called XXXX XXXX XXXX and told them that was not me because it was not my name. XXXX XXXX XXXX tried to get my name and I would not tell them because if I have opened that account, they should have known my name. Therefore, they have transferred this bill along with my address to different collection companies. 
When I called XXXX XXXX XXXX, it couldn't get into the fraud account. It said there were passwords. It made me wondering because what kind of company will open an account that their own administrators can't get in? Maybe it is an inside job? Maybe XXXX XXXX XXXX is also an 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 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have always has high utilization on my Citi Credit Card for years and I pay on time for years. I sometimes pay this card down or off and charge again etc. I took out a consolidation loand and this week paid credit cards off and paid down other cards and this Citi card sent me an email and they reduced my credit limit. I was in process by consolidating lower credit usuage and improving my credit score when they go and do that and that will not hurt my credit score and show my utilization high. They obviosuly did it on purpose. I chatted with them and they claim by looking over account XXXX  they have to adhere by these things and it was out of their control. I filed a complaint and I was told they woudl take it to management. I understand that these things happen but I pay on time and I paid a decent amount this week and in past I have done that and to lower my credit limit is mean and it hurts me as the customer. I was trying to improve my financial position. I was told I could try to get it increased in the future and they always look at accounts. I also told them I just was approved for a large raise which will increase my income by XXXX more a year. This is upsetting and I know they can do this but I have not done anything differently than I have for all the years I have had this credit card. So that is what bothers me. I am very upset to think customers are treated this way and they want to damage people 's credit rating on purpose.

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 2021-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: MN

Complaint narrative:
Fed Loans and US Department of Education haven't provided original documentations when asked by the three credit bureaus ( XXXX, XXXX  and XXXX ). I submitted three disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX  has since removed these account from my file but it still remains on my XXXX and XXXX credit files. In the documents attached below, you will see when I first submitted my 609 letters and when XXXX  removed US Department Of Education file, but Fed Loan/USDept services remains on my accounts on XXXX  and XXXX. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
A written debt validation letter was sent to Phoenix Recovery Group and it was received by them on XX/XX/2020. I haven't received a response from them with any of the requested information for validation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CONDOR CAPITAL CORP
State: NY

Complaint narrative:
In XXXX of 2012, they financed my car XXXX XXXX XXXX XXXX. I was recently told the company no longer exist. I paid the car off in a year or less. I was unaware I was supposed to mail in the lien release since they were the ones who notified DMV I assumed they would do the same to release the lease. I also can not remember that far back if one was mailed to me. 
I recently requested a new title and was surprised the lien was still on it. I have tried contacting the company, but have discovered they no longer exist. I tried FDIC who directed me to XXXX  of State who directed me to a company XXXX  XXXX XXXX. XXXX  XXXX was not able to help me, and they said they have no such access to XXXX XXXX or loans outstanding or paid off. I then contact DMV Title Service who directed me to XXXX XXXX  to look up XXXX and was finally directed to you. 
Any help you can give me would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020 I sent out letters to the credit bureaus regarding accounts that should not be reporting on my credit. I havent received any documents in the mail or anything saying an investigation was started. I am thinking that the credit bureaus are ignoring me. I did a little research of my own and saw that if the credit bureaus do not complete an investigation within 30 days the accounts I disputed had to be deleted. So at this point all the accounts need to be deleted from my credit reports because the credit bureaus did not complete the investigation in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible

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