vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: NC

Complaint narrative:
I applied for the American Express card on the website and there was no pop-up and mentioned I am eligible for the welcome offer on XX/XX/2020. The welcome offer is XXXX delta points after spending {$3000.00}. 

In XXXX I called American Express and verified I am eligible for the welcome offer and because of the XXXX, they extend spending time from 3 months to 6 months. 

After finished spending in XXXX, American Express told me it should take them 4-6 weeks to process the welcome offer and the last day I should receive the welcome offer is XXXX XXXX. 

I just called them today ( XX/XX/2020 ) to check on the welcome offer, but American Express told me I am not eligible because of the welcome offer from a different XXXX XXXX. 

I paid a {$190.00} annual fee and didn't receive benefits. I didn't receive a welcome offer after spending money, and American Express didn't tell me I am not eligible when I applied for this card and when I finished spending this card. As a consumer, I feel insulted and tricked by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management dba Encore Capital continue to call on a debt that was part of a class action suit for a payday loan. I received a settlement check for that and they insist that I owe the debt. I continue to receive calls and I sent over a fraud alert on my credit report due to reporting this on my credit report. This company is now texting and calling family for a debt that I do not owe. This is also past the statute of limitations of collections according to Colorado and Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}

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 2020-08-31 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX XXXX {$3400.00} DPT ED/XXXX XXXX {$3000.00} XXXX XXXX XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: IL

Complaint narrative:
not mine filed to the ftc XXXX XXXX XXXX XXXX XXXX. 3 of them XXXX XXXX XXXX us dept of education XXXX  XXXX XXXX  use

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 2020-08-31 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: NJ

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$3100.00} for the full balance of a promotional 6 month interest free offer from Home Depot. I had only missed the pay-in-full date to avoid any deferred interest by a few days. So I called and talked with a HD customer agent who agreed to waive any/all interest fees if I made a payment in full ( minus the interest charge ). That's why the payment was such a large amount.

This however, was not taken care of by Home Depot, and then additional interest charges and late fees kept accruing month after month. The late payment/delinquency has not been recorded to the credit reporting agencies and has negatively affected my credit rating.

I have spoken with numerous Home Depot and/or XXXX representatives who have assured me this would be taken care of, but as of XX/XX/31, it has not. There are numerous records on file from every conversation I've ever had with them. And every time, I was assured it'd be resolved and a letter to the credit agencies to restore my credit rating would be sent. It has not. It is now four months later and my Excellent credit rating has been dropped.

Home Depot needs to bring my account to a {$0.00} balance, restore my credit rating and offer an official apology for the amount of time and trouble I have had to endure over 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 monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We made an attempt to adopt a dog via an online site that claimed to have dogs available to us. 
XXXX XXXX XXXX The payments were made via XXXX XXXX on XX/XX/2020. 
Upon receipt, the company claimed that the animal was being transported via XXXX XXXX XXXX. Additional fees were requested which we provided again via XXXX XXXX  on XX/XX/2020. 
After trying to track and get the animal shipping status, it became clear that this was fraudulent. We made attempts to contact the " seller '' to no avail. 
We contacted XXXX XXXX  on XX/XX/2020 and they stated that in these types of fraudulent cases, we should reach out to our bank for getting out money back. We received confirmation of this direction on XX/XX/2020. 
We contacted Wells Fargo and after two calls and one online dispute claim, they stated that their system did not have any errors so this is a non-issue. We received official confirmation of this XX/XX/2020. 
Claim XXXX : Investigation Completed. No online form is available. The bank claimed they sent a hard copy, which I do not have. 
Since we did not receive the animal that we were promised via signed contract, we should be able to get our money back.

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 2020-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XX/XX/XXXXXXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent by regular mail correspondence to Experian and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SinglePoint GI
State: FL

Complaint narrative:
I have received multiple phone calls for a debt collection pertaining to someone not related to me in any way, shape, or form. These calls come to my work phone number and I have called repeatedly informing them I am not the debtor in question

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
When COVID struck back in XXXX, we ( XXXX XXXX ) were offered by Ally Financial and through no petition of our own deferred payments on the three loans we had with them for a period of six months at which time we were current on all loans. During regular collection calls we informed them that drivers had absconded with the vehicles and we were having difficulty locating them. Needless to say, when the period to resume payments came, we still had not located the vehicles and the police department told us that because of NC law we could not report them stolen, but they would be entered into the national data base to assist us in trying to find them given that our drivers were XXXX XXXX XXXX and last contacted in different states. We found one and resumed payments. We just receive notice from XXXX  on XX/XX/XXXX that the van had not only been obviously located by Ally, but appears to have been auctioned off without our knowledge or an opportunity to cure. We assert under penalty of perjury that we have not been served with any documents apprising us that this was going to happen. Now I look on my personal credit report ( even though the company is an LLC ) and see that I am asked to pay a debt of over $ XXXX which we presume to be some shortfall after the illegal seizure and sell of our vehicles. On those vehicles we put down over $ XXXX down payments and made ON TIME payments for over two years. We have been deprived of our rights and lost an inordinate amount of money as our property has now been sold. Ally stole our property given that the payment had just come due and was right at the 30 days delinquent mark. Our business has been crippled amidst COVID, but this was fraud in its simplest and most basic form, which only exacerbates our losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I charged some items to my Victoria Secret Credit Card {$90.00}. The cashier was on line with a representative because the cashier was having problems with the credit card. The representative spoke to me on the phone both the cashier and representative were taking to long to take care of me so I told the cashier to cancel my purchase and she did by phone and transaction. I asked the cashier if my transaction was canceled correctly she said yes. I did not take the items the items were left at the counter and I left. The following month the bank was charging me for something that I don't have and months went by now creditor 's want to collect {$300.00} they are harrasing me for money that I do not owe and my credit is bad becuase of this please help with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK
State: OH

Complaint narrative:
On both XX/XX/XXXX and XX/XX/2020 XXXX at XXXX  of Ohio requested a payoff from TCF Bank. Our closing date was on XX/XX/XXXX. There was NO response to her requests. I tried several times as well and there was no answers on any of the numbers leaving me on hold as long as 8 hours until I finally hung up the phone. Not just once but several times different days. 
I sent emails to all of the bank committee members including the president with no response. 
Finally I called the collections dept and did reach XXXX XXXX who tried several times over several days to try to get someone to respond regarding the pay off with NOTHING as well. 
I drove to the local branch and was told there was nothing they could do. 
On Thursday XX/XX/XXXX driving back home from XXXX  from signing our paperwork a XXXX or XXXX called me and in a nasty tone said " Can i help you with something? '' acting as though I did something wrong and she was aggravated she had to pick up a phone and talk to me. DISPICABLE CUSTOMER SERVICE! 
I explained the situation and also explained how XXXX was the only one who I was able to reach on the phone, how he tried to help even though it wasn't his dept. and she chuckled ... .SERIOUSLY? She then said she could see my file and that the payoff would be sent in 1-2 days as it needed another set of eyes, they were short staffed, having to hire people, can't keep up, blah blah, blah. Still no payoff and Barristers finally got through to someone after 3 hour hold time on Friday, XX/XX/XXXX, who told them it would be another 5-7 days  before someone could get to it. I am wracking up interest on this loan that could have been paid off last week. i have sent out more emails this morning and again the only one responding is this XXXX XXXX who said he has done all he can do as no one is responding to him either and that he would try resending his emails he sent last week. XXXX XXXX in the Collections Dept I was also told by XXXX XXXX has been trying to reach someone in regards to my payoff with no response. 
I went onto TCF XXXX XXXX to see if anyone else is having issues and OH MY GOODNESS there are hundreds of complaints! 
I feel as though my hands are tied. My money is being held up because of TCF and interest is building not only on the home loan but the loans that were to be paid off in XXXX ... which is obviously not happening. I have several emails that I have sent out. XXXX at XXXX  of Ohio also can provide her emails sent. 
This bank is poor at best and honestly a bit scary according to other dissatisfied customers on their site. 
I need a payoff immediately. the n

ew owners paid in cash and TCF is holding everyone up for title transfer, my proceeds, realtor commissions, etc. I would like to file a formal complaint against TCF Ba
nk.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are credit inquiries on my credit report that I did not authorize. I only allowed XXXX to pull my credit one ( 1 ) time and I'm not sure how they were allowed to pulled my credit numerous of times without my consent. I did not authorize the following inquiries and I want them removed immediately. It should have been a red flag with Transunion, XXXX  and XXXX. I want the following inquiries removed XXXX can not provide any infomation or signature stating I agreed to any of the following hard pulls on my credit file XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XX/XX/2020

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 2020-08-31 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 have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting XXXX is verifying a bankruptcy that does not exist. I have from all XXXX information and there is no way that any of the 3 major bureaus or XXXX could verify.. 

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from XXXX that is frozen.

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 2020-08-31 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: LEXISNEXIS
State: TN

Complaint narrative:
I have sent by regular mail correspondence to XXXX  and they have returned the mail two times. In addition, they keep reporting LexisNexis is verifying a bankruptcy that does not exist. I have from all LexisNexis information and there is no way that any of the 3 major bureaus or LexisNexis could verify..

In addition, it's taken longer than 30 days for the 3 credit bureaus to resolve the 9 inquiries that I did not consent to.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I would like written verification that the three major credit bureaus can verify the bankruptcy that does not exist and what information they are receiving from LexisNexis that is frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
These mortgage bankers at HSBC have been playing games with my approvals for months now, all while i could have closed with another service. They repeatedly ask for the same information i have already given them, and now it's been 3 weeks from " final approval '' and i have still not closed. they are hardly responsive and gave up as soon as i locked in my loan rate. All the while they know that i transferred in a significant some of money to their personal wealth management in order to access a lower rate. I was conned. I am losing time, money and energy dealing with them and believe they are doing something nefarious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: MO

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}

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