vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have sent Portfolio Recovery 11 validation of debt letters, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.  Portfolio Recovery refuses to comply with my validation of debt requests. Instead of complying with my validation of debt requests and sending the documents that I have requested in my validation of debt letters, Portfolio Recovery sends the same computerized letters to me in the mail. Portfolio Recovery is reporting false information to the credit reporting agencies, since they refuse to send the documents that I have requested in my validation of debt letters to validate the debt claimed owed. I sent a cease of communication letter to Portfolio Recovery on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery continues to send letters to me everyday, after I have asked 11 times for them to stop contacting me by mail. I have received 4-5 letters from Portfolio Recovery every day, since I sent my first cease of communication letter to Portfolio Recovery on XX/XX/XXXX. I have copies of all validation of debt letters, email and written correspondences and cease of correspondence letters sent to Portfolio Recovery, as evidence. All evidence will be sent in the mail to the Consumer Financial Protection Bureau. The continuous harassment by Portfolio Recovery has caused me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax is reporting two addresses I never lived at and would like removed from my file. XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX I never lived at and XXXX XXXX XXXX XXXX XXXX New York XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.

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 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX , XXXX XXXX AND XXXX XXXX '' ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.

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 2018-04-29 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: FL

Complaint narrative:
Hello, I have a folowing situation - I just legally Immigrated to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but I kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 
I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry.

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history.

I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past.

But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!

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 2018-04-29 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: FL

Complaint narrative:
Hello, I have a folowing situation - I just XXXX XXXX to USA and I don't have any credit history, good or bad. 

I went to XXXX XXXX XXXXXXXX in XXXX with intention to apply for my first credit card. 
I didn't receive my credit card or answer so I went back to another office of XXXX XXXX XXXX in XXXX, to find out what happened. Teller told me that I wasnt approved for credit card, but XXXX kind of preapproved for prepaid credit card. So I agreed on trying to open that type of card. 

Right now I first time registered on XXXX XXXX and I start to learn how credit history work. 

I notice that I have 5 hard inquiry from XXXX XXXX XXXX ... But I requested only 1 credit card and I got 5 hard inquiry. 

Is there a way to fix that mistake? I think it is not fair to begin build a credit history with 5 hard inquiry when I just asked for 1 credit card to start building my history. 
I actually don't know what was 5 hard inquiry about if I haven't any history of credit in a past. 
But still they gave me a card. Why it wasn't possible from 1 inquiry to know that I don't have any credit history, why there was 5 request to approve me for 1 card  anyways?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WIT XXXX XXXX XXXX APPEARED ON MY EXPERIAN 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 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express Executive Platinum promises {$200.00} in credit on XXXX XXXX ancillary purchases each year. I made a {$50.00} qualifying purchase in late XXXX, and then canceled the card. They billed me for the purchase and refused to give me the credit. I filed a dispute in XXXX. I have asked several times about the status of the dispute, and all I am told ( with online chat ) is that the department that handles such problems can't be reached in person, either by me or by other AmEx employees. Today I was told that disputes are resolved in three billing cycles. It has been four. Every month I receive bills for {$50.00} stating " Pay Past Due Amount Immediately '' and " you may be charged a late fee of the greater of {$38.00} or 2.99 % of the past due Pay In Full amount if your payments is not received by the Next Closing Date. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29 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: AES/PHEAA
State: MA

Complaint narrative:
I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I did short sale on XX/XX/2010. I had the first mortgage and 2nd mortgage. The first was Chase and the 2nd was Chase Equity.  Chase took XXXX and Chase Equity {$3000.00}. 

Chase have kept charging me late charge and kept reporting the debt. I kept sent all short sale documents so many times to Chase but they have never replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: AES/PHEAA
State: FL

Complaint narrative:
I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Credit Karma, LLC
State: MA

Complaint narrative:
I ended up getting my XX/XX/2016 taxes compromised because they said my loans were in default status. The school closed and I was no longer responsible for the remaining debt on the account. Their has been an ongoing investigation for over a year and 2 months and my credit score is being effected because of it. US department of edu. is  showing a balance of {$3500.00}, and {$2100.00} when in fact I am not responsible for that. I would also like this and fed loan servicing taken off my credit report as those are both hurting my credit very badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have been repeatedly contacted on my home phone and cell phone for over two years now by Portfolio Recovery. I do not owe any monies nor do I have any debts. I do not publish my cell phone or use it for anything, only my home phone number. 

I have sent a certified letter asking for proof of a debt and to stop contacting me unless it is in writing. I have not received any communication in writing but the calls still keep coming. The calls are all robodialed with no message left. 

I have blocked calls from them on my cell phone and have had to purchase a message machine that blocks all calls on my home phone unless I allow them to come through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed a checking account from Chase bank in XX/XX/XXXX over the phone. They said they would mail me the remaining fund through a check. The check never arrived. I tried to resolve this over the phone, and visit the local bank branches many times. Now it's XX/XX/XXXX and I still haven't get my remaining fund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Portfolio Recovery, LLC
State: NE

Complaint narrative:
I am sorry that I keep opening a new complaint when I already have that is being investigated. I have sent numerous letters to this company and they keep sending me the same letter back in addition to the new letter just received that I have attached for your review. The new letter indicated they are requesting additional information from me and since they have not received it they are terminating this investigation. I don't have any additional information to provide to them. They are the ones reporting this information. Should I be contacting someone else? I would appreciate any help you can provide. 
Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-29 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have disputed this debt multiple times yet you keep saying its my de t. I need debt validation. Send me some kind of proof with my signature on it showing this debt is infact mines. Because I have no knowledge of this debt and it needs to be removed from all 3 credit bureaus asap n not to pop up again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a Corporate credit with Bank of America. I've heard that they and XXXX, are going to be denying banking services to companies and small businesses that are related to legal firearms and firearms related businesses. 

I'm in the process of lobbying my company, who owns the credit card accounts to close all of them, for all of our employees. I feel very strongly about this as do my company owners, but we have not made the decision to do so, yet. 

For Banks to take this approach is disgusting! These businesses are law abidiing! This approach denies our 2nd Amendment rights and is discriminatory and in violation of State and Federal laws. If Banks can arbitrarily impose these kinds of restrictions on law abiding persons and companies, whats next? 
Its also my understanding that these two bank received several billions of taxpayer dollars a short, ten years ago to bail them out of billions of dollars in debt that they were partially responsible for having created! How dare they stick their fingers in the eyes of millions of taxpayers and their customers with these faulty polices. 

I ask they these banks be reprimanded and forced to revoke these policies

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 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I tried to order XXXX tickets through Amex 17 months ago. They told me I had to open an account and would then be given early access to the tickets, but that there was no annual fee. I called and called, waited through the cue, but wasn't able to get the tickets. No card, no statements for a year. Then, in XX/XX/XXXX or XX/XX/XXXX, I received a statement with the only charge being the {$190.00} annual fee. I mailed the payment stub back with " please close account '' written on it. The next month I received the same statement with no mention of closure. My wife called and asked them to close the account, but they told her they wouldn't talk to her because her name wasn't on the account. The third month, I again wrote " Cancel Account '' on the stub and mailed it back. A few weeks later, I received a letter from American Express saying the account was closed, but that I would have to pay any charges that came through. When the next statement came, again with only the {$190.00} annual fee, I returned it with a copy of the letter I had received saying the account had been closed. Yesterday I received a different, shorter letter saying only that because I failed to close the account within 30 days of the first annual fee being charged, I was still required to pay the annual fee of {$190.00} on a card I've never used and can't use now because they closed it without telling me I'd be paying the fee without receiving any services. To date, I have not paid the fee and would like to avoid having it go to collections. 

Please note : because I never received a card ( or if we did, we've never used it ) and because Amex doesn't provide more than the last 5 digits on their billing statement or correspondence, I can't provide you the full account number. I can only say it ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank charged me {$95.00} annual fee for my Chase mileageplus explorer credit card on XX/XX/XXXX. And I always keep the card in a good condition without any late payment. However they closed my Chase mileageplus explorer credit card this XX/XX/XXXX without refunding any annual fee. I paid the {$95.00} annual fee for the annual service, but they just provided three months service without any refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: VA

Complaint narrative:
Before I applied for this loan, it was advertised that if I log into the mobile app everyday that I will not be charged a membership fee. It says thats the fee is usually {$29.00} a month but for logging in everyday the fee will me {$0.00} a month. After contacting customer service, I was told another story that was never explained before accepting this me loan. Once I reached out, I was told that I would be charged my loan payment every pay date and then a {$36.00} membership fee that will apply {$50.00} a month to my investment account, leaving the remaining {$29.00} to go towards my membership fee but logging into the app each day actually just makes it so that a dollar a day goes towards that same investment account instead of me paying {$0.00} for a membership fee as it advertised. I would have never known this information if I never reached out to the company about this so I feel as though this was very deceptive. I was told that there was nothing they could do because since I have the loan Im obligated to pay these fees until the loan is paid in full but I would have never agreed to this loan if I had the correct details in the first place. I have the screenshots that show how the loan is actually advertised but nowhere does it break down the actual process of the loan and the fees the way the agent I spoke with broke it down to me. It literally just says the membership fee is {$0.00} a month if you log in to the account every day, which I did. Ive never felt so deceived by a loan company in my life and even when speaking with the agent that explained it to me, he also agreed with me that the website does not accurately explain the way the loan really works so to me it seems like a very shady way to get people to get stuck into the the loan and have these fees come out of their checking accounts every single paycheck, thinking that the process would be different.

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 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian credit bureau has aliases and wrong information in my credit report i have no aliases

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