vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I had XXXX phone company since XX/XX/XXXX and stopped paying their services in the year XX/XX/XXXX because of added charges and fees that werent included at the beginning of my family plan. I stopped services with them and they ended up charging over {$3000.00} in debt harming my credit, and its an amount that I cant afford to pay especially when I did not use those minutes or time with their services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I have notified Ally Financial as of XX/XX/19 in regards to changing my payment date from the XXXX of each month to the XXXX of each month instead. I was advised by the representative that my original date was for the XXXX of each month. I explained to the representative why will I change my date from the XXXX to the XXXX it just dont make any sense. However changing my date to the end of the month is much convenient for me and to keep my car payment on track. I have asked to speak with a supervisor to rectify the problem and I was connected to another representative. Ally financial has very poor customer service and they are not willing to help their customers. I really need this problem to be rectified and to be handled in the appropriate manner.

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 2019-10-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello! My name is XXXX XXXX! 
Phone : XXXX / Email : XXXX I have a big problem with Chase Bank! Please, help me! 

This happened around 6-7 months ago! 
I have Chase Bank Credit Card, I did not use it around half year, it was all the time in my home. Also, I have Checking Account with them. One day, I went online to check my balance on the  Checking Account and saw {$25.00} amount on my Credit Card. I called to the Bank right away and told them, that I have not used CC around 6 month. They told me it was some XXXX purchase. As it was not me, they told me not to worry, they will make a report to fraud department and will remove this amount. In a few days it seemed fixed. That time I had Excellent Credit Score : XXXX! I always checking it through XXXX XXXX App. But, in month all of a sudden my Score went to average. Because Chase Bank put back on my account {$24.00} and make late fee on it ... I saw too late. I went to Chase Bank ( very good consultant helped me and called to fraud department. His name XXXX XXXX, NMLS ID : XXXX. Thanks for him a lot, he did everything he could. XXXX. They told they will fix it in one month.. Yep.. they did not. Now its Good, Score XXXX!!!! They lied. Because if spoiled Credit Score, I can't open CC in another Bank.. On top of that, Chase B closed my CC without my permission!!! .. Then they opened it again, because I started to complain. But my Credit Score still XXXX! I want exact XXXX score BACK AS IT WAS BEFORE. The consultant, who helped me went on vacation. So, I went to another branches, and in all of them, managers refused to help me.. Tried to sent me back to previous consultant ... 
More over, I am not who made that purchase on {$25.00} ... Maybe it was Chase Bank. I can't trust them. During all this time and before I made all payments in time, I did not open any CC last few years. So, there are no any other reason my Credit Score went down.

I spent so much my time & money on them and feel cheated by Chase Bank with Spoiled Credit Score! 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax is the only agency I havent been able to access and Im unable to access their system online. Im frozen out of their phone system and faxing/mail takes me back to an era Ive long forgotten. Im unable to do anything with my credit as long as Equifax fails is I work properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
On my account XXXX, I redeemed {$89.00} in rewards in XXXX. I closed my card in XXXX. A full two statements has passed and I never received my {$89.00} redemption. I have called repeatedly and nobody has been able to help me. 

I've attached the last statement showing I redeemed {$89.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.

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 2019-10-18 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: GA

Complaint narrative:
Owner INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 6 Balance {$7900.00} Date Opened XX/XX/XXXX Amount Past Due {$7900.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 48 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL 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 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
I attempted to purchase a home through XXXX back in XX/XX/XXXX. The Home I tried to purchase was XXXX XXXX XXXX in XXXX , TX , XXXX. The contract was written up and never thoroughly discussed with me, even when I asked specifics from the builder rep XXXX XXXX. I asked if the earnest money I placed with him would be retained for any reason. My response from XXXX XXXX was " XXXX does not keep earnest money ''. I went ahead and went through the partnering lender XXXX has, called Advisa Mortgage. The lender XXXX XXXX started to harass me by calling at inappropriate times at night. Due to this I complained and spoke with the lenders manager, XXXX XXXX. This resolved nothing but instead created more inconsistency between the home builder XXXX and I. I received an email from XXXX XXXX, XX/XX/XXXX stating " ..a DocuSign package from XXXX XXXX , this will have several documents that are required to process you loan. Currently your rate is not locked, we need you verbal or written communication regarding which option you want to move forward with. '' I did not agree to options given to me by Advisa Mortgage.I then received the DocuSign packages from XXXX XXXX on XX/XX/XXXX & the same one XX/XX/XXXX. The XXXX XXXX documents I did not sign due to wanting to discuss contracts and options in person with lenders.This was impossible with Advisa Mortgage. Advisa Mortgage company even wrote in an email to the home builder and myself on XX/XX/XXXX and said " Just keeping everyone in the loop, we are on track to close XX/XX/XXXX per the XXXX closing report '' .Communication with Advisa was completely unethical, the manager XXXX XXXX had approved a loan I did not agree to on XX/XX/XXXX. This created a " Default '' for me with XXXX home builder. XXXX sales rep XXXX XXXX failed to return any of my calls and did not reply until XX/XX/XXXX via email stating " XXXX XXXX is cancelling your contract and retaining your earnest money due to non-performance and default of contract ''. No specific action was explained to me as to why I defaulted. I still have no resolution for the evident inconsistency by XXXX and Advisa. I have attempted to communicate with both builder and Advisa Mortgage Services to come up  with a solution to our differences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-18 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-18 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: LA

Complaint narrative:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASION TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: FL

Complaint narrative:
Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.

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 2019-10-18 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:
Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello! My name is XXXX XXXX! 
Phone : XXXX / Email : XXXX I have a big problem with Chase Bank! Please, help me! 

This happened around 6-7 months ago!

I have Chase Bank Credit Card, I did not use it around half year, it was all the time in my home. Also, I have Checking Account with them. One day, I went online to check my balance on the Checking Account and saw {$25.00} amount on my Credit Card. I called to the Bank right away and told them, that I have not used CC around 6 month. They told me it was some XXXX purchase. As it was not me, they told me not to worry, they will make a report to fraud department and will remove this amount. In a few days it seemed fixed. That time I had Excellent Credit Score : XXXX! I always checking it through XXXX XXXX App. But, in month all of a sudden my Score went to average. Because Chase Bank put back on my account {$24.00} and make late fee on it ... I saw too late. I went to Chase Bank ( very good consultant helped me and called to fraud department. His name XXXX XXXX, NMLS ID : XXXX. Thanks for him a lot, he did everything he could. ). They told they will fix it in one month.. Yep.. they did not. Now its Good, Score XXXX!!!! They lied. Because if spoiled Credit Score, I can't open CC in another Bank.. On top of that, Chase B closed my CC without my permission!!! .. Then they opened it again, because I started to complain. But my Credit Score still XXXX! I want exact XXXX score BACK AS IT WAS BEFORE. The consultant, who helped me went on vacation. So, I went to another branches, and in all of them, managers refused to help me.. Tried to sent me back to previous consultant ... 
More over, I am not who made that purchase on {$25.00} ... Maybe it was Chase Bank. I can't trust them. During all this time and before I made all payments in time, I did not open any CC last few years. So, there are no any other reason my Credit Score went down.

I spent so much my time & money on them and feel cheated by Chase Bank with Spoiled Credit Score!

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: DISCOVER BANK
State: NJ

Complaint narrative:
My Discover credit card account was removed from all three credit bureau due to identity theft however within 30 days XXXX  put the item back on my credit report without even notifying me, which is a violation of the FCRA because this item is now back on my credit report, my Fico score has dropped 87 points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
I went on vacation as a single mom with XXXX little kids to the beach in the summer. I am a law abiding citizen and always pay tolls. While my children were yelling in the back of the car, the road split and I was in the far left lane and didnt realize there was a toll. I had a feeling that I had missed a toll but wasnt sure. The next day when I paid another toll, I explained to the attendant that I wanted to pay for my possibly missed toll the previous day. She said that was fine and I paid the retroactive toll of {$0.00} for my previous trip. I asked her if I would receive a ticket in the mail and she told me no and that she would update my missed toll in the system. I never received a ticket and three months went by. I figured it was resolved and updated when I made the retroactive payment with the attendant. Today I received a notice of collection in the mail for {$55.00}. I went back and verified that it was the exact place and toll I had missed, which it is. Not only did they never send me an original ticket which is unethical that they increased a {$0.00} sent toll to {$55.00}, but I had already paid it to the attendant. I did my due diligence when it happened and went to pay the toll I had missed right after it happened. I was guaranteed that it would be updated and now they are trying to turn a {$0.00} ticket into {$55.00}. Thats theft! Im frustrated and hurt by this. I live out of state and I just want this to be resolved. I have my receipt showing that I went back to pay the toll shortly after I missed it. This is so unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello - In XXXX of this year I opened a Checking and Savings Account with JP Morgan Chase ( Chase ) under a {$600.00} promotion offer. The terms of the offer clearly stated the following : " Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. '' I did not have existing accounts and I did not close accounts within the 90 days. Hence I went ahead opened the accounts, transferred {$15000.00} in my savings account, established direct deposit in my checking account and met all the terms of the promotion. It has now been several months since I have met all the terms of the promotion. However Chase has not credited the {$600.00} promotion credit to my account. After several secure messages, and calls to the Customer Service Department they are telling me that my accounts are ineligible for the {$600.00} promotion credit because of an " internal policy '' at the bank indicating that promotion credit can be obtained only once every two years.

However such " internal policy '' requirement was not disclosed to me when the Bank cheated me and took my hard earned {$15000.00} funds from me. Attached are the terms and condition of the promo code with all the published eligibility requirements and you will see for yourself that the Bank has not disclosed this ficticious " internal policy '' before accepting funds from a customer. On the contrary the Bank has knowlingly and deliberately lied to customers indicating they will be eligible for the bonus provided they did not close accounts in the past 90 days.

To say one thing in writing and openly to defraud a customer of their money and then turnaround and present another set of eligibility requirements based on undisclosed and fictitious " internal policies '' is out right cheating, daylight robbery, unethical, illegal, immoral and utterly shameful and shameless behavior!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
Paid for items not received. Seller will not refund. PayPal, the company, will not resolve issue despite filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: MI

Complaint narrative:
NEWINFORMATION:NOTADUPLICATESEEDATESOFLETTERSXX/XX/2019TRANSUNIONsentmeanewtheresultsoftheirinvestigation.AttachedNOTETHATTHEYREPORTINNACCURATELY.NOTETHATUNDERTHEFCRA,"IFNOTREPORTED100%ACCURATELYITHASTOBEREMOVEDIMMEDIATELY''EachaccountshowsaBALANCE.Balancecannothaveanamountonachargedoffaccount.ITHASTOREPORTASXXXX.

LettersfromXXXXXXXXdatedXX/XX/XXXX,XX/XX/XXXX,andXX/XX/2019allaskMEforsupportingdocumentationandstillcannotprovidemewithinformationI'verequested.

Furthermore,thedocumentssentfromthecourtswassufficientfortheotherbureausbutyetnotsufficientenoughforTransUnion.Maybethejudgewillloveawardingmemy{$1000.00}peroffense.

GETTHESEACCOUNTSOFFMYREPORTSTODAY!Youdidnotanddonotreport100%truthandthishasgoneonformonths!

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