vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In all the years that I've been doing business with companies, I have never talked to anyone from these creditors. I did not purchase anything from them. I do not recognize these companies and I do not owe them, remove this from my credit report ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX   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 2019-08-10 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: CA

Complaint narrative:
The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Since 2016 I have contacted XXXX XXXX XXXX to tell the the balance is inaccurate and I had health insurance with a copay of {$300.00}. Radiant Solutions is telling me that they know I had insurance and that is the physicians bill. I have been to this hospital many times for this same treatment, my XXXX, always {$300.00}. XXXX XXXX XXXX used the old insurance I had on file and I have given them my new one at time of service and called them twice to take my new once which they did and now here we are 3 yrs later. I called each creditor to explain and all said it would be handled. Now I tried to make a settlement offer of {$300.00} with Radiant and they refuse to accept it. This debt is inaccurate and I do not own it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I bought tickets on XX/XX/XXXX by using XXXX from my bank XXXX XXXX  in XXXX.for XXXX XXXX XXXX   Concert the next day. I opened an account with XXXX to, electronically receive tickets but never got them from the seller XXXX XXXX or XXXX XXXX on XXXX XXXX.with the telephone number XXXX ; associated with XXXX The number he called me on was XXXX The amount was {$500.00} I am a XXXX XXXX at XXXX years old and find this is a fraudulent way to transfer money. Bank account numbers should be linked to XXXX not just mobile phones

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 2019-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Husband, XXXX Veteran, lost job. We got behind on payments. Mr. Cooper/Nationstar restructured the loan added {$600.00} to the monthly pmnts for 12 months. Husband got new job, but could not afford NEW $ 3000 monthly pmts. Mr. Cooper wanted full pmnt on arrears ( {$6000.00} ) to get back on regular pmnts ( {$2400.00} ). Asked Mr. Cooper/ Nationstar to move arrears to the end of the loan. REFUSED. We tried to make payments in other amounts. Mr. Cooper cancelled the restructured loan, and REFUSED to take payments demanding full arrears. Meanwhile, trying to get caught up on other accts. Listed the house for sale. Aprox 3 weeks after listing, neigbors tree fell in our yard causing non- estructural damages to the property. Had a potential buyer, but due to damages ( fence, gazebo, exterior, aprox $ 50k ) buyers offer was cancelled. Settlement for damages from XXXX XXXX aprox $ 25k. Repairs were done as required by Mr Cooper/Nationstar. Inspectors from Mr. Cooper came home on XX/XX/19 and prepared 100 % repairs completion report, inspector REFUSED to provide us with copy of 1 page report we signed, his name or contact number. WE NEED to provide XXXX XXXX ( per claims department ) with copy of the 100 % repairs completion report from Mr. Cooper to get $ XXXX settlement money released from claim. Mr. Cooper REFUSES to release the 100 % repairs completion report and for 2 weeks has been giving us all kind of excuses, still uploading, I see it, but cant download it, maybe this afternoon, call us again, its no longer available, will send a research request we might need to schedule new inspection unfortunately we dont do emails or fax, once report is available we will mail you a copy, etc .... Inspector from mortgage ( independent contractor ) explained to us report would be ready and avail within 24 to 48hrs. after Inspection. Two ( 2 ) weeks from inspection still no report, still no money from XXXX XXXX after 3 months. Foreclosure begins XX/XX/19. Husband requested a loan modification early XXXX they insist they will NOT have an answer BEFORE XX/XX/19!?!?? We wanted to use settlement money to pay arrears, get caught up, go back to regular payments and save our home where a XXXX and XXXX y/o grandparents live, and a kid in college, and 2 dogs, and a cat, husband and wife trying just about everything to save our home. Mr. Cooper/Nationstar has put all kind of obstacles and refuses time after time to help us in any way to save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: MA

Complaint narrative:
Around XXXX of 2019 I applied for the American Express XXXX XXXX Card. Due to my business travel it made sense to get the perks despite the card being {$450.00} annual fee. It also was advertised with XXXX bonus points which confirmed to me it would be the right choice. 
I had an existing American Express card ( no fee ), and there was never any indication that I wouldn't be eligible for this card or the XXXX points. 
The application process was easy, and I was approved right away. The terms and conditions language around the XXXX points was very vague, basically saying American Express could refuse the points if they wanted ( they keep pointing back to that language ) I was supposed to spend $ XXXX in the first 3 months to get the XXXX points, so I consciously made sure to make that ( I spent well over that amount ). 30 days after getting the card they applied the {$450.00} fee which I paid right away. 
3 months after I made sure I spent enough we inquired about where the points were. They said it takes a few weeks to get them. No follow up, and no indication that we weren't getting them. Same conversation a few weeks later. About a month plus later I called and someone finally said that we weren't getting the points. They also said we got a message during the application process that said that ( never happened ).

I called again to file a complaint. A case was created to research. I never heard back so called a week later. The rep told me that case was closed ( no reach out to me ) and that they couldn't do anything for me. This rep continued to push at that language in the T & C, but also said he could see no reason why this was denied and had never seen it before. I have since filed another complaint and I doubt I hear back. I also reached out to XXXX for support and there's nothing they can do. 
I feel like this is a complete scam. They got my {$450.00} and they forced me to spend $ XXXX in the first 3 months to get something that was never coming to me. I can't believe a company this large has to resort to these practices. I'm at a complete dead end here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: NJ

Complaint narrative:
In XX/XX/XXXX several of my credit card and bank accounts were compromised. In the course of addressing this issue I contacted XXXX XXXX XXXX and reported the identity theft and closed my account.Though I received correspondence the fraudulent charges were revered and the account closed, XXXX XXXX still reported to Transunion and XXXX the account was open and I had past due payments which were incorrect. After numerous phone calls and emails to XXXX XXXX and multiple attempts to dispute the incorrect information to Transunion and XXXX, XXXX XXXX finally closed my account and sent the correct information to my credit report that the account was closed and I was at a 100 % payment history. Just a few days ago now I received a change to my credit report with Transunion stating that once again the XXXX XXXX account is open and I am past due on the payment going back to XXXX of XXXX. I am at the end of my rope and don't know what to do anymore to fix this.

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 2019-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a purchase for {$12.00} in XX/XX/XXXX. In the midst of me changing banks the bill was overlooked. I immediately called and the late fee was waived as 1 time courtesy and I pd the bill XXXX ( XXXX fee which I dont know for what ) in XX/XX/XXXX. And now they say I owe {$41.00}? On a XXXX purchase which was paid. Ive messaged them but nothing is resolved. Ive looked them up ( comenity Bank ) on XX/XX/XXXXand there are a lot of complaints of them doing this to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-10 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: TN

Complaint narrative:
XXXX XXXX  says I owe them {$460.00} but when I went onto my account it says it was paid in XXXX I feel like everything on my account is incorrect I have XXXX XXXX  on there and it says I owe them {$1300.00} something like that but that's false my mother was living there in XXXX I was not living there I was living with my grandmother with my son she use my name I had just turned XXXX now that I'm grown I'm trying to find me somewhere to go because I am XXXX with XXXX children and I filled out so many apartment applications and I got denied because of my credit which is not updated then there is XXXX XXXX I do not owe them I went to my account is there was nothing there. Where is XXXX XXXX XXXX I paid that on the XXXX  of XXXX I think. I tried to dispute but it was declined I'm not sure if I did it correct. I have goals with my credit. My mother said she paid the XXXX XX/XX/XXXX balance of XXXX  in something I need that removed or it can go on her credit I have the manager of the apartments to vouch that I did not live there and that is damaging me getting a apartment.

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 2019-08-10 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: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I paid a settlement amount over two weeks ago and got a confirmation number, yet the amount is still showing as active and going up. When I called this creditor they claimed that they just sent proof of payment and the letter is on its way. I asked why I can't get a confirmation email and the collector states the don't send emails. I have not received a letter and the money came out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: CA

Complaint narrative:
The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information 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 2019-08-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, Experion XXXX, XXXX  XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, XXXX XXXX, Experion XXXX, I maybe denial an equity line of credit because of this misrepresentation

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 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This is from Midland funding for the amount 469 more or less this account has been open for years, and I been in and out of the hospital for serious contions. Someone has my info this is why I never made a payment on it. If you can please consider taking this of my acct I would gladly appreciate it. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio America Asset Management, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates, LLC ( PRA ) verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment and garnishment related thereto. PRA purchased the XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) XXXX XXXX credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$3700.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. The PRA account ending in XXXX was placed with the law firm of XXXX XXXX XXXX ( XXXX ) on or about XX/XX/XXXX. XXXX filed suit against you on or about XX/XX/XXXX and obtained a judgment on the account. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Superior Court, XXXX County, California bearing case number XXXX. In response to your disputes, PRA previously sent you the attached letters containing a fraud/identity theft affidavit and instructions for its completion and return as well as account validation. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
That is just one time!! There have been multiple times.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MS

Complaint narrative:
On XX/XX/XXXX I purchased " No Contract '' wireless service from XXXX. My account number was XXXX. I agreed to pay $ XXXX/mo for the " same great network without the hassle of a contract '' for an undetermined time. I stopped using XXXX 's service XX/XX/XXXX. In XX/XX/XXXX XXXX informed me that I owed them {$140.00} for " holding my number '' three months. I explained to them that I was not in a contract with them and I had made no request for them to " hold '' my number. 

At some point XXXX sold the erroneous debt to Enhanced Recovery of XXXX, FL. XXXX. 

On XX/XX/XXXX I began the process of purchasing a home. XXXX XXXX XXXX XXXX, TN preapproved me for mortgage loan. At that time my credit score was well above the required 620. I was set to close on my home XX/XX/XXXX. I had paid {$1000.00}. earnest money, {$350.00}. for a home inspection, and {$400.00}. for an appraisal. When XXXX XXXX ran my final credit check on XX/XX/XXXX it was discovered that Enhanced Recovery had reported the {$140.00}. collection on XX/XX/XXXX and dropped my score XXXX points. Their timing was impeccable and absolutely intentional, as they were fully aware that I in was nearly the end of home buying process. I paid their {$140.00}. in an attempt to recover my score and save my investment. It didn't work, I lost the home. All the bankers and realtors I've worked with informed me that this is common practice of debt collectors. That they are somehow alerted, so they know precisely when to go in for the kill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2019 all 3 credit reporting agencies, XXXX XXXX, XXXX  XXXX, TransUion XXXX report to XXXX those credit scores when I pull FICO it show XXXX XXXX, transUnion XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation

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 2019-08-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2019 all 3 credit reporting agencies, Equifax XXXX, XXXX  XXXX, XXXX XXXX report to XXXX those credit scores when I pull FICO it show Equifax XXXX, XXXX   XXXX, XXXX XXXX, I maybe denial an equity line of credit because of this misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
On XXXX I paid off my debt that has now gone into collections. I have the receipt and they still put it on my credit report in collections. It caused my credit score to drop 60 points

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I used TRANS UNION for a free once a year credit check and in doing so WITHOUT MY PERMISSION signed me up for a service at {$19.00} a month. I saw this on my statement and contacted my credit card to dispute charges I never authorized. I talked to a Trans Union representative who over the phone got all my personal information you need for identity theft to be able to stop charging for a service I never asked for. This is OUTRAGEOUS this is one of the main credit history agency 's that we should TRUST with our S.S.N, date of birth, passwords, address. I have seen the complaints other people have made addressing the same issue and expect the CFPB to do something about this!

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 2019-08-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received Equifax, XXXX, and XXXX need to correct this asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10 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: TX

Complaint narrative:
try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, transunion, and XXXX need to correct this asap

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 2019-08-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received XXXX, XXXX, and Experian need to correct this asap

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