vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In early 2020 I opened a Delta Sky Miles credit card ( ending in XXXX ). The promotion was for XXXX Delta Sky Miles bonus miles if a minimum spend was met within a certain time period ( which it was ). Shortly after receiving the card, the pandemic struck and airline travel all but shut down. 

I recently called Amex to inquire about cancelling the card as there was no longer use for it. I am quite certain I requested verbal confirmation from the representative that there would be no repercussions regarding the bonus I received in my Delta account. Nor was anything disclosed by the representative that there would be a clawback if the card was cancelled. Today I received an e-mail that indeed the miles will be clawed back. Upon calling Amex, the representative ( XXXX ) informed me that an investigation will be made into the call and that the representative should have told me about the forfeiture due to account closure. I sincerely believe I was not informed and, in fact, recall being advised there would be no issue. The call validation request is XXXX. 

I have now received multiple versions of what would happen if the card were cancelled. Clearly this is problematic and needs to be investigated. What's most troubling is that, if indeed I am correct in my memory of the cancellation call, and the representative did not disclose or misrepresented the account closure implications, there would still be no reinstatement of award miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NJ

Complaint narrative:
There are some inaccurate accounts that do not belong on 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 non-monetary relief
Consumer complaint received 2020-07-29 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: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: NV

Complaint narrative:
On XX/XX/2020, I received a letter from CCCH stating that due to financial hardship, they are willing to let me settle my account for {$1900.00}, which will satisfy the debt in full. On XX/XX/2020, I made my last payment which fulfills my end of the agreement. On XX/XX/2020, I have received and email containing a receipt that states my account has been fully settled. To this day, my account is still being reported as delinquent despite all of the on-time payments that I have made based on the agreement. I see this reporting as fraudulent. Can you please look into this? I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NJ

Complaint narrative:
My credit report has a lot of accounts and personal info that needs to be deleted.

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 2020-07-29 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I entered into an agreement with Synchrony Bank to Settle Account with 2 exact payments, as follows : {$700.00} to be paid XX/XX/XXXX and {$700.00} to be paid XX/XX/XXXX. 
On XX/XX/XXXX, and after payment 1, I called this number XXXX and XXXX confirmed settlement was in progress, and final payment of {$700.00} was finalizing. 

Both payments were executed successfully and paid ( proof attached ). 

Synchrony did not update my account correctly. They show the XX/XX/XXXX payment ( final payment needed ) of {$700.00}, but FAILED to update my account to show {$0.00} and settled. 

Need immediate update to credit report to show this is a {$0.00} balance account now. 

I fulfilled my obligation per the XX/XX/XXXX agreement.

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 2020-07-29 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: MN

Complaint narrative:
I am requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX 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 2020-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: FL

Complaint narrative:
I obtained a loan from Omni Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted Omni Financial to work out a payment plan or alternative agreement, Omni Financial refused to work with me. The maximum interest rate that Omni Financial advertise is " from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX Omni financial is reporting a balance of {$13000.00}. The balance increases every month as well as updates to the three major credit bureaus as a charge-off with multiple errors ( date of last payment, loan start date, original balance, date of last activity ). Omni did not prominently display a full and accurate schedule of interest rates and other charges, in order for me to justify & understand a 185 % increase from the original balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I paid my balance to RMP collection last XXXX. During payment receipt they said they will delete the collection from my report. Seemingly they never did. I called them few times again and they have been telling me they sent the request again but Transunion still showing the collection. Because of this I am not able to take out new mortgage. 

There are few accounts ranging from XXXX to XXXX dollars. One of the account is XXXX On XXXX it shows up as RMP SERVICES LLC # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX It does show account paid in full, but it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NJ

Complaint narrative:
My credit report has inaccurate accounts and addresses that do not belong on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Lost job during Pandemic and XXXX XXXX issued a State of Emergency. Applied for Unemployment and did not receive any  payments until the end of the month. I have a Judgement that I have paid religiously since XXXX every month for XXXX dollars. Since my money was reduced drastically, I still continued to pay at least XXXX dollars a month, just to keep going and just not pay. I finally get a chance to get mail today and the XXXX County District Court placed a judgement on me. Instead of the XXXX a month, they now want all their money, and I am unemployed. I tried to work it out but they both refereed me to each other and would not make any attempts to discuss alternatives. This is illegal during the State of Emergency and should be exposed to other hard working  Americans that want to work. I am officially filling an Appeal in hopes that this can be reversed. 

I have all necessary communications from XXXX XXXX concerning this exact topic and its predatory debt collectors. Posted by Governor XXXX XXXX on XX/XX/XXXX, " Financial institutions will have expanded lending authority and debt collection activities will be suspended. '' This is illegal and will be presented to the Governor of Md concerning this predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: NJ

Complaint narrative:
There are several inaccurate accounts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I can't link my account to several online services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: MN

Complaint narrative:
I am requesting the following inquiries and account be removed for my credit report. 

Creditors Have Agreed To Remove Fraudulent/Unauthorized Inquiries : XXXX XXXX/XXXX  - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX & XX/XX/XXXX XXXX Account : Creditor Has Agreed To Remove. Fraudulent Account. 

XXXX XXXX XXXX Account number XXXX This account along with the inquiries have been removed from my XXXX & XXXX 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 2020-07-29 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: NJ

Complaint narrative:
I have several inaccurate accounts and personal info on my 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 2020-07-29 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:
There are several inaccurate accounts on 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 2020-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NE

Complaint narrative:
Ive received a letter stating I owe XXXX a {$100.00}. The company American Coradius International LLC.XXXX stats I can pay a reduced amount of {$75.00} that XXXX is willing to accept. Ive searched online looking into this company and they have terrible reviews of scamming people saying they owe money. I havent reached out to XXXX but from what Ive read XXXX doesnt do business with this company. All my XXXX accounts are current or paid when making any purchase. I dont have a XXXX credit card either. This company needs investigated and shut down before anyone gets taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Rooms to Go has charged me {$160.00} in late fees from XX/XX/XXXX thru XX/XX/XXXX even though I have been paying the bill monthly on time, the late fees are, what's happened is they are not posting the payment on the date that im paying the bill and incurring late fees on top of late fees. The problem started in XX/XX/XXXX, until then I have had no problem, and I have had the acct since XX/XX/XXXX. My outstanding balance in XX/XX/XXXX was {$370.00} and between XXXX thru XX/XX/XXXX I have paid {$100.00} which should leave an outstanding balance of {$270.00} minus the {$160.00} unfair late fees leaves an outstanding balance of {$110.00} which I am willing to pay. Rooms to Go uses Synchrony Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT phone XXXX, and Synchrony Bank  Reps are the people I have to speak with whenever dealing with the account. I also want no negative remarks on my credit report regarding this account.

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 2020-07-29 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: Nelnet, Inc.
State: PA

Complaint narrative:
I have a loan with DEPT OF EDUCATION/NELN. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and DEPT OF EDUCATION/NELN with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Unfortunately, I have fallen victim to a scam transferring funds to someone through Zelle from my bank account. Sunday XX/XX/XXXX I had sent {$1000.00} to someone I thought I could trust from XXXX who was claiming to be helping people become " XXXX investors '' by sending money to him in return, receive a larger payout. I was told there would be " XXXX meetings '' with the " investors '' in which they would send the payout through check by mail within a couple days. I was not thinking straight and I just wanted a quick way to earn cash so everything I was being told seemed legit about how the process worked. I only started to get worried when I wasn't receiving any XXXX  Call links that I was told would be sent to my email and they were responding very slowly until XX/XX/XXXX I was no longer able to send text messages or XXXX  messages to them. I then became worried and contacted my bank as soon as possible but reading the fine print, they do not offer any sort of protection against these disputes. I'm worried because I gave them my address that I thought they would be sending a check too and I live with children and I do not want anything to happen to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/2020, An employee of the computer Company with the name XXXX XXXX/XXXX XXXX XXXX, defrauded me out of {$740.00} by diverting my payment to his ( personal ) Paypal account the company is aware of this fraud and fired the employee, but has not refunded the money that there employee defrauded me out of. 

the Co. instead is giving me the run around concerning my refund of {$740.00}. 


i have supporting documents concerning this fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
Your website states that " Payments that are scheduled with an effective date after the first 10 days of your grace period will be charged a {$5.00} fee. '' I believe this constitutes a " pay to pay '' type of structure. 

Charging a fee to pay by web is a generally unallowable practice. I would like an explanation as to why PennyMac charging a fee is appropriate for using their online service based on what day of the grace period you schedule your payment for. I would expect I could pay online on the XXXX of the month ( within my grace period ) and not incur an additional expense. 

Potential UDAAP impact. This may be a stretch considering you do disclose the fee on your payment interface, but I wanted to add this considering the regulatory definition of UDAAP is rather vague.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 RE : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a zero balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX. 
And XXXX XXXX Monday through Friday, or between XXXX XXXX  and XXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A ZERO BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL  CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.

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 2020-07-29 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2020 XXXX : ACCOUNT NUMBER ENDING IN XXXX DEAR XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. This letter is in response to your communications regarding the above-referenced account. 

Per your written request, we have closed out your account. This account will be reported to the credit Reporting agencies as CLOSED AT THE CONSUMERS REQUEST with a XXXX balance. 

If you have additional questions, please call our Customer Service Center at XXXX between XXXX XXXX 
And XXXX XXXX. Monday through Friday, or between XXXX XXXX and XXXXXXXX XXXX on Saturday and Sunday ( Pacific Time ). 


Sincerely, XXXX XXXX XXXX  AS OF THIS DATE THEY HAVE CLOSED THE ACCOUNT BUT STILL REPORT A BALANCE TO ANY CREDIT REPORTING AGENCYS AS THIS BREIF LETTER STATED THE ACCOUNT WAS CLOSE AS PER MY REQUEST AND THEY STATED THAT THE ACCOUNT IN QUESTION HAD A XXXX BLANCE. THE REASON FOR CLOSING THE ACCOUNT THEY UNLAWFULLY CHARGED DURING THE SAME MONTH A LATE FEE AND OVER THE CREDIT LIMIT FEE, I POSTED A PAYMENT EARLY IN THE MONTH BEFORE THE MIMIMUM DUE DATE WAS PENDING ON THIS ACCOUNT AND THEY STILL CHARGED ME BOTH FEES THUS THATS WHY I ASKED THE ACCOUNT TO BE CLOSED AS SEEING i ONLY DRAW SSI EVERY MONTH AND COULD NOT AFFORD THAT MUCH MONEY ON A XXXX DOLLAR CREDIT LIMIT CARD. PLUS I HAD TO PAY AN ANNUAL FEE OF OVER XXXX DOLLARS.

Company response to consumer: Closed with explanation